Timely rent history is a key qualifying criterion, especially with FHA insured mortgages.
To prove rent history, you must provide the most recent 12 months of cancelled checks for rent as part of the documentation needed to qualify for a loan. Printouts from your bank's website are acceptable if the image shows front and back.
A letter from the landlord may be acceptable if the landlord is a property management company or holds a property management license in Indiana. You lender will require the landlord to complete a standard Verification of Rent form provided by the lender.
If you have paid a private inividual by cash, money order, or other instrument that is not clearly traceable to you, it will be more difficult.
We conduct FHA business in 48 states and deal with this sort of thing all the time. If you'd like to see about qualifying for a loan, get in touch with me and I can help you through the process.
Your rent payments are not considered a tradeline on your credit report, but it has a negative impact in underwriting if you have alot of lates on it. These kinds of things can go both ways, and it definitely depends on the lender you go with. If you have any questions, feel free to call me - I have guidelines for tons of banks all over your area and can place you in a loan.
The Indiana FHA Expert