最好不是必須，他是不是在逼你作假？

General Requirements for Documenting Rental Income

If a borrower has a history of renting the subject or another property, generally the rental income will be reported on IRS Form 1040,。。。。 the lender may be justified in using a fully executed current lease agreement.

https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income-Assessment/Section-B3-3-1-Employment-and-Other-Sources-of-Income/1032995141/B3-3-1-08-Rental-Income-05-04-2022.htm

Fannie Mae 的說法在這個鏈接裏麵。不是必須的。