My client owns a 2 family home which has served as his primary residence since he originally purchased the property.  Until recently a tenant occupied the second unit.  Five months after initially submitting a complete short sale package to MetLife, we finally received a decision.  The file was DECLINED because "rental income appears on both prior years' tax returns", citing FHA guidelines.  However, does this 18 month rental rule apply with a 2 family house which is the owner's primary residence?  We opened a ticket with HUD.  Any insights?