I would count income that is regular (investment income, child support, etc). I also look at the amount that they have in the bank. I WILL NOT RENT to anyone that doesn't have at least 3 months of the rental payment in the bank (checking or savings). I like to see 4-6 months - especially if their credit is bad and they have a lot of other debt (cars, etc). I WOULD NEVER rent to anyone that is living pay check to pay check. Because, I promise you that YOU will be the first person that they can't pay. I also never use more then 25% of their gross monthly income for rent. If they earn 5,000 a month, then their total rent should never be more then 1,250 a month. PERIOD. And their debt per month (car, 2.5% of the credit card balances, student loans, CHILD SUPPORT, etc) should NEVER by more then 10% of their gross monthly income. If they earn 5,000 a month, then this debt shouldn't be more then $500 a month. Anything over 10% is taken away from their allowable rent income. For example: they earn 5,000 a month and have 700 a month in debt. They can spend up to 1,250 a month for rent MINUS $200 difference in debt = 1,050 MAX for the rent.