Chief Appraiser Says
Reading the actual guideline text below — never a general AI guess
What the Rent Schedule Section Actually Means
Here's what we're doing when we fill out the Rent Schedule in the Rental Information section: we're first making a yes-or-no decision about whether we, as the appraiser, actually developed a rent schedule at all—if we say yes, the whole Rental Information section shows up in the report; if we say no, it doesn't appear. For each unit in the subject property (including accessory dwelling units, or ADUs), we then decide separately whether to include that specific unit in the rent schedule using a yes-or-no answer. The rent schedule itself feeds into a larger Rental Information section that contains comparable rental properties, a side-by-side comparison grid of those comparables, and our analysis of what drives the rental value. FHA adds a separate requirement: when a property has an ADU and the borrower wants to count rental income from it, we must provide either a Fannie Mae Form 1007 or Freddie Mac Form 1000 (the Single-Family Comparable Rent Schedule) showing the fair market rent, and we should reference published GSE or government guidelines for how to handle ADUs specifically.
Straight from UAD 3.6 / URAR (FNMA) pages 280 and HUD/FHA Single Family Handbook 4000.1 page 680 — nothing added.
Here's what we're doing when we fill out the Rent Schedule in the Rental Information section: we're first making a yes-or-no decision about whether we, as the appraiser, actually developed a rent schedule at all—if we say yes, the whole Rental Information section shows up in the report; if we say no, it doesn't appear. For each unit in the subject property (including accessory dwelling units, or ADUs), we then decide separately whether to include that specific unit in the rent schedule using a yes-or-no answer. The rent schedule itself feeds into a larger Rental Information section that contains comparable rental properties, a side-by-side comparison grid of those comparables, and our analysis of what drives the rental value. FHA adds a separate requirement: when a property has an ADU and the borrower wants to count rental income from it, we must provide either a Fannie Mae Form 1007 or Freddie Mac Form 1000 (the Single-Family Comparable Rent Schedule) showing the fair market rent, and we should reference published GSE or government guidelines for how to handle ADUs specifically.
Straight from UAD 3.6 / URAR (FNMA) pages 280 and HUD/FHA Single Family Handbook 4000.1 page 680 — nothing added.
Read the actual document:
→ HUD FHA 4000.1 Single Family Housing Policy Handbook (Chief Appraiser Document Library)
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Rental Information Appendix F-1: URAR Reference Guide Page 280 of 375 Version 1.3 23 Rental Information The Rental Information section includes information about the factors that…
UAD 3.6 / URAR (FNMA) · Appendix F-1 URAR Reference Guide v1.3.pdf · Page 280
· View at official source (fanniemae.com/uad) →
Rental Information Appendix F-1: URAR Reference Guide Page 280 of 375 Version 1.3 23 Rental Information The Rental Information section includes information about the factors that influence rent and generate other income for the subject property and its rental comparables (comps). This section contains the following subsections (“gray bars”), which always display: • Rent Schedule • Comparable Rental Properties • Comparable Rental Analysis (“rental grid” or “rental comparison grid”), which provides a side-by-side comparison of comparable units to each unit in the subject property • Rental Analysis Commentary • Rental Information Exhibits This section displays when Rent Schedule Developed by Appraiser is Yes, and a subject property unit is included in the section when Include Unit in Rent Schedule is
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Rental Information Appendix F-1: URAR Reference Guide Page 285 of 375 Version 1.3 Rent Schedule: Opinion of Market Income - Rent Report Field ID Report Label When to Include…
UAD 3.6 / URAR (FNMA) · Appendix F-1 URAR Reference Guide v1.3.pdf · Page 285
· View at official source (fanniemae.com/uad) →
Rental Information Appendix F-1: URAR Reference Guide Page 285 of 375 Version 1.3 Rent Schedule: Opinion of Market Income - Rent Report Field ID Report Label When to Include Allowable Answers / Format Definition / Additional Guidance 23.01.20 N/A Required for each unit or ADU that is included in the Rental Information section Dollar amount Monthly Market Rent for Unit: The monthly dollar amount that is expected to be received as rental income at full market price for the single living unit. For the subject property, this information displays in the following subsections of Rental Information: • Rent Schedule – Opinion of Market Income (Monthly) 23.01.20 • Comparable Rental Analysis Summary 23.03.23 23.01.21 Subtotal Always required Dollar amount Total Monthly
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One-Unit with an Accessory Dwelling Unit The Mortgagee must verify and document the proposed Rental Income by obtaining a Fannie Mae Form 1004/Freddie Mac Form 70, Uniform…
HUD/FHA Single Family Handbook 4000.1 · HUD_FHA_4000.1.pdf · Page 680
· View at official source (HUD.gov — SFH Handbook 4000.1) →
· Last verified: 2026-10-10
One-Unit with an Accessory Dwelling Unit The Mortgagee must verify and document the proposed Rental Income by obtaining a Fannie Mae Form 1004/Freddie Mac Form 70, Uniform Residential Appraisal Report (URAR), and a Fannie Mae Form 1007/Freddie Mac Form 1000, Single-Family Comparable Rent Schedule, showing fair market rent and, if available, the prospective lease. History of Rental Income The Mortgagee must obtain the Borrower’s last two years’ Tax Returns with Schedule E. (iii)Calculation of Effective Net Rental Income Limited or No History of Rental Income To calculate the effective net Rental Income from other real estate holdings where the Borrower does not have a history of Rental Income since the previous tax filing, the Mortgagee must deduct the Principal, Interest,