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How to Add Subject Property Rental Income

Learn how to add Subject Property rental income in SphereLOS for investment or 2–4 unit properties and see how it impacts DTI.

Sidebar (2025) Layout

  1. Open the loan file and go to Loan and Property.
  2. Double-click any field to switch into Edit Mode.
  3. Either click the Property Information tab or scroll down to the SUBJECT CASH FLOW section.
  4. Enter the income using one of two methods:
    • System-calculated: Set Calculated to Yes, enter the Gross Rent and the Rent % (e.g., 75% or 100%). The system will calculate the Net Rent Cash Flow automatically.
    • Manual entry: Set Calculated to No, then type in the Net Rent Cash Flow amount directly (positive or negative).
     5. Click Save when finished.

Sidebar (2023) Layout

  1. Open the loan file and go to Overview.
  2. Click the Edit pencil next to Subject Property.
  3. Go to the SUBJECT CASH FLOW section (right below PROPOSED HOUSING EXPENSE).
  4. Enter the income using one of two methods:
    • System-calculated: Set Calculated to Yes, enter the Gross Rent and the Rent % (e.g., 75% or 100%). The system will calculate the Net Rent Cash Flow automatically.
    • Manual entry: Set Calculated to No, then type in the Net Rent Cash Flow amount directly (positive or negative).
      5. Click Save when finished.

How This Affects DTI

💡 Tip: Hover over DTI in the summary bar to view the income and expense breakdown.

  • A Positive Net Cash Flow is counted as income in DTI.

  • A Negative Net Cash Flow is counted as an expense in DTI.

📌 Note: Subject property rental income must be entered under PROPOSED HOUSING EXPENSE → SUBJECT CASH FLOW for it to be counted correctly in DTI. Entering it in other areas (such as REO) may cause the cash flow to be missed or double-counted. Always confirm with your Lender’s Underwriter for guidance on how the income should be applied to your loan program.


Questions? Contact us at support@spherelos.com — we’re here to help.