@Josh E. 

Here's my situation though: I have enough cash for a 25% downpayment/points/closing costs, but my mortgage broker is unwilling (or doesn't know to try) to count any rental income towards my DTI because I don't have two years of Schedule E's.

the interest is treated as Schedule E rental expense rather than Schedule A itemized personal HELCO loan used to improve Primary residence. 

Attend the Wednesday webinars, listen to the free Podcasts (they can be found under the 'Education' tab) and read the Blog articles BP e-mails you.

Can she transfer incremental ownership interests to her own name and report the pro-rata expenses and income on a schedule E?

@Sebastian E. 

@Ryan E. the bottom floor has 4 beds, 1.5 baths, an office, and a living room.

@Bob E. - thanks for your comment. 

I'm filing my 2017 tax return and calculating the Schedule E depreciation deduction for a duplex that I purchased in mid-December 2017.

If you are going to be doing it frequently you might want to think about getting a R/E license yourself so you can do it.