Some interpretations state in service can be as soon as you advertise it for rent, but run it by your tax professional @Anthony Gary.

My interpretation of your risk in your current situation.  

Contractors are not trained and many times they have experience that they have interpreted without proper education.

@Charles Kao,  different title companies will interpret this differently (they have different underwriters) and different procedures may be appropriate for different transactions (does one care if the assignment fee is visible to the seller or not?).

Moral of the story: spin, spin, spin...but at the end of the day it's your choice how you want to interpret the information!

You'll never learn how to close deals by letting the agent be your 'interpreter'.

There can be different interpretations.

A listener can interpret a lot out of a voice that has nothing to do with the words, such as inflection, tone, confidence, even gender.

That's not defined precisely in their documents, so the statement about "two tax returns" is how I've interpreted it, with input from my mortgage broker.

Yeah I see how all this could be very subtle as interpretation.