How to Use Roommate & Rental Income to Qualify for a Mortgage

Summary

Podcast Summary: Earn Your Leisure – How to Use Roommate & Rental Income to Qualify for a Mortgage

Episode Date: November 1, 2025
Hosts: Rashad Bilal, Troy Millings
Theme: Leveraging roommate/border and rental income (including creative house hacking) to qualify for a mortgage, with a focus on real-life scenarios and practical documentation strategies.

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Episode Overview

In this episode of Earn Your Leisure, Rashad Bilal and Troy Millings break down lesser-known real estate strategies for homebuyers, specifically how to use income from roommates and rental units to more easily qualify for a mortgage. They discuss Fannie Mae guidelines, crucial documentation steps, and various “house hacking” approaches that can be applied whether you’re single, in a relationship, or just graduated from college. The episode is loaded with practical advice, insightful examples, and energetic banter, aiming to empower listeners with actionable wealth-building tools rooted in real estate.

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Key Discussion Points & Insights

House Hacking – Beyond the Basics

[02:03–02:33]

• Hosts discuss creative income sources:
  • Renting out your backyard or pool via newly popular apps to cover mortgage payments.
  • “You can run out your backyard. You can run out your pool…one of my mentees every year she rents out her backyard, her pool here in New York, and it pays her mortgage for the year.” (Real Estate Expert / Host, 02:09)

Using Roommate or “Border” Income to Qualify for a Mortgage

[02:33–04:35]

• Fannie Mae HomeReady program allows border (roommate) income:
  • Requires documented rental payments for at least 9 out of the last 12 months.
  • Must provide lease agreement and proof of receipt (e.g., Venmo/PayPal/Cash App transfers with memos noting “January rent,” “February rent,” etc.).
  • “If you do that nine months out of the past 12, then when you go qualify for your mortgage, you can use that rental income as part of your income to help you qualify for your mortgage.” (Real Estate Expert / Host, 04:19)

Real-World Scenarios – Relationships, Roommates, and Documentation

[04:47–08:00]

• The “boyfriend/girlfriend” example:
  • Often only one person is on the lease; the other contributes informally.
  • If the non-leaseholder is added to the lease, and payments are documented, their rent can be considered qualifying income for a mortgage.
  • “You’re legally single. This is your roommate. So if you do it that way, now that rental income can now be used to help qualify.” (Real Estate Expert / Host, 07:11)
  • Adds flexibility: If the couple splits after buying, the non-mortgage-holder can still buy property using their own credit, since their name isn’t tied up.

Applicability for College Graduates and Non-Traditional Applicants

[12:51–15:23]

• Roommate scenario extends to college grads:
  • “It could just be your college roommates…most of them have what, roommates for the majority.” (Real Estate Expert / Host, 12:53)
• College counts as work history:
  • “Did you know you can use your college education as your work history? You don’t need a two-year job history, you can use your college history as work history.” (13:09)
  • Present your offer letter and first pay stub from a new job to jump straight into home buying after graduation.
  • If college roommates are on the same lease and follow the payment/documentation strategy, the primary leaseholder can use their payments as qualifying income.

Stacking the Hacks: Multiple Roommates and Accessory Dwelling Units (ADUs)

[15:13–17:24]

• “Border” income can be multiplied:
  • Applies if you have multiple roommates, provided all are on the lease and payments are documented.
  • Everyone must move into the new home as roommates to continue using their income to qualify.
• ADUs as an income qualifier:
  • Rental income from an accessory dwelling unit can help you qualify, even if you don’t personally have a roommate.
  • “Now we’re going to use long-term rental income to help you qualify, but that does not mean you have to have a long-term tenant. You can now turn that ADU into an Airbnb play, VRBO…there’s so many different things.” (Real Estate Expert / Host, 16:37)
  • Strategic location: Target markets near airports, hospitals, or large construction projects for lucrative “midterm” rentals (3–9 month renters, e.g., travel nurses, consultants, or AI data center builders).

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Notable Quotes & Memorable Moments

| Timestamp | Quote & Context | |-----------|----------------| | 02:09 | “You can run out your backyard. You can run out your pool…one of my mentees every year she rents out her backyard, her pool here in New York, and it pays her mortgage for the year.” (Host, on unconventional house hacking) | | 04:19 | “If you do that nine months out of the past 12, then when you go qualify for your mortgage, you can use that rental income as part of your income to help you qualify for your mortgage.” (Host, on border/roommate income) | | 07:11 | “It’s a clean way of qualifying with using this roommate income because your roommates right at, at the end of the day, you’re not legally married. You know, you’re technically single in the eyes of the, of the law…This is your roommate. So if you do it that way now that rental income can now be used to help qualify for a mortgage.” | | 12:53 | “It could just be your college roommates...” (Host, on who can be considered for border income) | | 13:09 | “Did you know you can use your college education as your work history? You don’t need a two-year job history, you can use your college history as work history.” | | 14:18 | “Now if you freak it, you got that college history…during college you have a single family home that you was renting out…have them pay you…now you can use that border [income].” (On combining strategies) | 16:37 | “You can now turn that ADU into an Airbnb play…target midterm renters, like traveling nurses, like flight attendants, like depending on what city you live.” | | 17:10 | “Think about all the AI data centers that’s being invested and built…these people…might only be out there to do a job that’s going to take six months. So what do they need? A midterm rental. They don’t want to sign a year lease…So you got to really take the current events and everything that’s happening…” |

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Important Segments & Timestamps

• Creative house hacking & non-traditional income: 02:03–02:33
• Fannie Mae border income explained: 02:33–04:35
• Relationship/roommate documentation details: 04:47–08:00
• Why splitting the mortgage is good for scaling (post-breakup): 11:51–12:41
• Roommate strategy for recent college grads: 12:51–15:23
• Multiple roommates & ADU income stacking: 15:13–17:24

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Tone & Style

The episode mixes energetic financial insights with transparent, accessible explanations. The hosts maintain an upbeat, conversational style—often injecting humor and practical tips—making dense real estate finance topics approachable for beginners and seasoned listeners alike.

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Takeaways

• Roommate/border income is a powerful, but underutilized, lever for qualifying for a mortgage—provided you follow strict documentation steps.
• These strategies work for singles, couples, and groups—there’s flexibility and scalability, with potential to accelerate your homeownership timeline.
• College leavers can qualify for mortgages using their schooling as work history, combined with new job offers—no need to wait two years.
• ADU and midterm rentals, when targeted to the right markets and properly documented, can boost your mortgage qualifying income and diversify property revenue streams.
• Every hack discussed relies on diligent record-keeping, cooperation among roommates, and careful attention to lending policies.

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For Listeners

If you want to fast-track homeownership, especially in expensive markets, don’t overlook the potential of leveraging your roommate/rental situation. Start by getting every agreement in writing, collecting payments in verifiable ways, and maintaining clear documentation—small habits now can add tens of thousands to your buying power later.

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Hashtags: #EarnYourLeisurePodcast #HouseHacking #RealEstate #MortgageHacks #FinancialLiteracy

Transcript

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[Real Estate Expert / Host]

If you have a swimming pool, I'm not sure if you guys. Have you ever heard of a thing called swim?

[Real Estate Co-Host / Commentator]

No?

Is that when you rent the pool?

[Real Estate Expert / Host]

You can rent. You can rent your. You can rent out your backyard?

[Real Estate Co-Host / Commentator]

Yeah, yeah, yeah, right?

[Real Estate Expert / Host]

You can run out your backyard. You can run out your pool. Like I have one of my mentees every year she rents out her backyard, her pool here in New York, and it pays her mortgage for the year. Like it's, it's incredible, right? Because people treat that like an event space for the day, right? So you can have somebody's backyard for eight to 10 hours and you're paying two, $300 an hour for the full use of their backyard and their swimming pool. So there's so many different ways to house hack and generate money with a single family or a duplex to make it more affordable. Now also here's another thing that people don't really realize is that border income, AKA if you have a roommate. What people don't know is Fannie Mae will allow you to use this border income to help you qualify for a mortgage under the Fannie Mae Homeready program. Now, the requirements is the borrower must have a history of receiving that rental income for at least nine of the past 12 months. And you need documentation, such as your lease agreement and show proof of receipt that your roommate has been paying you to essentially live in an apartment together. And then you can use that income to help you qualify for a mortgage. So to break that down just in quick layman terms, it if you are living with someone right now and you have a lease and they're on the lease with you, if they're your bonafide roommate, not just someone who's just in the house and you say, hey, they live here, no, they have to be on your lease. If you know you are in position to qualify for a mortgage faster than they are, what you should do is collect the money, their portion of the rent money from them, tell them to sell it to you, cash app it, whatever it is, and make sure you put that is on the, on the memo. January's rent, February's rent, March rent. Right. So we can document it that they've been paying you and then you go ahead and pay your landlord from your account. If you do that nine months out of the past 12, then when you go qualify for your mortgage, you can use that rental income to as part of your income to help you qualify for your mortgage. Yeah, I got where I'm going with this.

[Real Estate Co-Host / Commentator]

I see, I see where you're going with this. Documentation is important. Making sure you're keeping records is important. And that goes for if you're buying an individual home, but even more so in this situation when you're trying to have investment property.

So you, you might not. You, you've unlocked something here. Let's go back a little bit. Oh, all right. If you're in a relationship with somebody, right. And we talk about 50, 50 a lot. Right on, on these different shows and podcasts. But there, that's a real thing though where somebody lives with somebody and they're contributing, they're contributing something, but most of the time they're just giving a person money. So it's usually either male or female. Somebody has a lease in their name and they meet somebody and after a while and then that person just kind of ends up living with that person. They may not never be on the lease. Correct. They're contributing financially on a certain level, but there's no real documented record of them contributing financially.

[Real Estate Expert / Host]

Correct.

[Real Estate Co-Host / Commentator]

You're saying that boyfriend, girlfriend, whatever, you're living with somebody, that that should be something that's documented. Because if it is documented, then what is it called?

[Real Estate Expert / Host]

So it's border income. Right. So if in that same situation you have the girlfriend just say the boyfriend and the girlfriend moves in.

[Real Estate Co-Host / Commentator]

Right.

[Real Estate Expert / Host]

Let's say that situation. The lease is in the boyfriend's name. But y' all splitting it 50, 50. As Rashad said, the girlfriend is not on the lease. Boyfriend is in position a year from now. He wants to go buy a house for them to live in. He should now put her on the lease of the apartment. And then now when she's making that contribution, don't make it on, make it cash. She should sell him a wire transfer, a cash app. Put on the memo. It's for her portion of the rent as long as we have that document. Nine out of 12 months. And then now the boyfriend goes to get pre approved and says that hey, this is my roommate. She is going to live in the house with me. Now from a lending perspective, I can use the portion of that rental income that she's paying. Let's just say it's a thousand dollars a month.

[Real Estate Co-Host / Commentator]

As I was gonna say, clean, clean number. A thousand dollars a month right on the member. I'm putting $500 in toward that.

[Real Estate Expert / Host]

Yeah.

[Real Estate Co-Host / Commentator]

At the end of the year. Let's say it's the 12 months now it's an additional $6,000 that you have in income.

[Real Estate Expert / Host]

Correct. That's now is going to be used for the boyfriend during his pre approval to help them qualify for more of a house. It's, it's a clean way of, of qualifying with using this roommate income because your roommates right at, at the end of the day, you're not legally married. You know, you're technically single in the eyes of the, of the law. Boyfriend and girlfriend is not a marital status. Right. Last time I checked. So you're legally single. This is your roommate. So if you do it that way now that rental income can now be used to help qualify for a mortgage.

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[Real Estate Expert / Host]

I know some people gonna say, why? Why won't she just go on the mortgage with him? This. Now we talk about divide and conquer. Let's just say now they move into this house, they get approved and they wind up separating. Right now she doesn't have a mortgage in her name. She can still go out here and buy a duplex, a single family and house, hack her life away as well. So just depending on your circumstances and your situation, if you understand real estate finance and these programs that are out there, and if you set your documentation up the right way, you can really go out here and scale at a very high level and reap all the benefits of wealth building with real estate. If you know exactly what you're doing.

[Real Estate Co-Host / Commentator]

That's a very vital play. Man, I never heard that. I'm glad you broke that down before.

It doesn't have to be boyfriend, girlfriend either, because there's a lot of scenarios where somebody lives with somebody.

[Real Estate Expert / Host]

It could just be your college roommates.

[Real Estate Co-Host / Commentator]

Or it could be, could it be parent, child?

[Real Estate Expert / Host]

No, it can't be parent and child, right? But let's think about college roommates. Think about what's just happened in May and June. We have all these college graduates, right? Most of them have what roommates for the majority. So first of all, if you just graduated college, congratulations, right? But did you know that you can use your, your college education as your work history? You don't need a two year job history, you can use your college history as work history. Did you guys know that?

[Real Estate Co-Host / Commentator]

Say that again.

[Real Estate Expert / Host]

So you just graduated from college, you did your undergrad, right? Four years, you're 22 years old, you're graduating, you just got a job offer from, you know, Earn your leisure Entertainment. You're going to start and you're going to be the marketing manager. You're making a base salary at a hundred thousand dollars and you have an offer letter from Earn your leisure Entertainment to start August 1st. You don't need to work at Earn your leisure Entertainment for two years. You have your college history for four years. That's your work history. You can now present that offer letter and your first pay stub and you can buy a house immediately.

[Real Estate Co-Host / Commentator]

So you can use college as work experience.

[Real Estate Expert / Host]

Absolutely. Absolutely.

[Real Estate Co-Host / Commentator]

Has that always been the case?

[Real Estate Expert / Host]

Absolutely.

[Real Estate Co-Host / Commentator]

Okay.

[Real Estate Expert / Host]

Absolutely. Right? And now if you freak it, you got that college history. Four years, you got your degree, but during college you have a single family home that you was renting out. And now your roommate is on a lease. If you do what we just said with the boyfriend and girlfriend scenario, now your roommate starts paying you and you know you have a better chance of get in the house faster than them, have them pay you. Now first of all, everybody gotta be on the same page with this.

[Real Estate Co-Host / Commentator]

Right?

[Real Estate Expert / Host]

Everybody. It got to be a team effort here. So now they pay you. Instead of paying their portion of the rent, you pay the landlord. And now you can use that border. Not only can use the offer letter from Earn your leisure Entertainment, you can also use that roommate income to help you qualify. Because now that roommate is going to move into your house with you as well and continue to be a roommate.

[Real Estate Co-Host / Commentator]

And that offer letter is kind of one of those things that you kind of need to have in order for this to work. You can't just go out.

[Real Estate Expert / Host]

We need to show that you got a job.

[Real Estate Co-Host / Commentator]

Right? Right.

[Real Estate Expert / Host]

We need to show that you have a job. And it's a start date and you can go ahead and get pre approved. But one of the pre approval conditions is going to be, hey, when you get into contract, we need to know that you just, you, you're working. Now we need to see pay stubs from Earn your leisure Entertainment as we use in that example to show those pay stubs. So that way now, and it matches up with the income from the offer letter. Then boom, you use that. As long as your credit is good, your DTI works, you don't have to wait two years to qualify.

[Real Estate Co-Host / Commentator]

Yeah, that's a good hack because there's a. There's plenty of college students who. There's three roommates, but there's the one person who gets the lease. Right. If that person now looks at those two and that you're just saying it for one roommate.

[Real Estate Expert / Host]

Yeah.

[Real Estate Co-Host / Commentator]

Essentially that could be two or three. Three roommates that are paying them. So that documentation port becomes even more important.

[Real Estate Expert / Host]

Exactly. But the key is everybody has to be on a lease. Right? Everyone has to pay you. And then everyone has to be moving into your house because now it's border income, roommate income, and we're using that to help qualify. So it needs to sustain to the new house, right? The key. So if everybody's on the same page, this could be a home run. But here's how we even go a little bit deeper with this pause. If you buy a home that has a adu, an accessory dwelling unit on it, right? Everybody type ADU in chat. If you have a adu, you can use rental income from an ADU and it can help you qualify. So let's just say, for example, you don't have the roommates, you live by yourself, but you just graduated college and you want to use that college degree hack, right? But you might be short with rent with income to qualify. You find a house that has an adu and we can use that rental income from the ADU to help you qualify as well. And when you get into the adu, now we're going to use long term rental income to help you qualify, but that does not mean you have to have a long term tenant. You can now turn that ADU into an Airbnb Play vrbo. You can make it a content studio. There's so many different things you can, you can target midterm renters, like traveling nurses, like flight attendants, like depending on what city you live. So if you live close to airports, you live close to hospitals, right? You should be targeting homes that are closer in proximity to these areas because the midterm rental income from corporations, right? You have people who travel for corporations. They may need someone to stay for six weeks because they're doing a corporate project in a certain city. Think about what's happening. And guys, I'm gonna tell you another hack. And we've, I've talked about this on my program and I know you guys talked about, look at all the AI data centers that's being invested and built all around the country, right? You got Texas, I think there was two or three half a billion dollar projects that was launched this year. Think about it. These people are not the people who are constructing this. They're not going to be long term residents of Texas, right? They're probably coming in from all different parts of walk of life. So what do they need? Rentals. They might only be out there to do a job that's going to take six months. So what do they need? A midterm rental. They don't want to sign a year lease or a two year lease. They may need only a six month leave, eight month lease and it's going to be cheaper than the corporations putting them into a hotel because that daily rate of the hotel, that shit going to add up. You know what I'm saying? So you got to really take the current events and everything that's happening. I know you guys talk about it at scale on market Mondays. That's why you need to tap in every Monday 8pm Eastern Standard Time to see what is moving and shaking. Because all of these moves that's happening in AI, those are also real estate plays too if you're paying attention.

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[Maggie Freeling (Journalist / Narrator)]

The murder of an 18 year old girl in Graves County, Kentucky was went unsolved for years until a local housewife, a journalist and a handful of girls came forward with a story.

[Real Estate Expert / Host]

America, y' all better wake the hell up. Bad things happens to good people in small towns.

[Maggie Freeling (Journalist / Narrator)]

Listen to Graves county on the iHeartRadio app, Apple Podcasts or wherever you get your podcasts and to binge the entire season ad free. Subscribe to Lava for Good plus on Apple Podcasts.

[Real Estate Expert / Host]

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[Real Estate Expert / Host]

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[Dr. Elizabeth Poynter]

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[Real Estate Expert / Host]

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Listen to Decoding Women's Health with Dr. Elizabeth Poynter on the iHeartRadio app, Apple Podcasts or wherever you get your podcasts.