Which type of income is least likely to be considered as part of a loan applicant's stable monthly income?

Unemployment compensation is generally considered the least stable form of income among the options listed. Lenders assess an applicant's financial situation to determine their ability to repay a loan, and stable income sources are critical in this evaluation.

Salary represents ongoing, regular employment with an expectation of continuity, making it a reliable indicator of future income. Similarly, rental income can be fairly stable if the properties are consistently leased and the applicant has a history of successfully managing them. Child support, although contingent upon personal circumstances, is often considered a stable source of income as it typically has a legal obligation behind it and is expected to continue for a defined period.

In contrast, unemployment compensation is viewed as temporary support. It is granted to individuals who are currently out of work and often does not provide a long-term, reliable source of income. Since it can terminate once new employment is secured, lenders are less likely to factor this type of income into calculations of the applicant's ability to service a mortgage. This perception of instability makes unemployment compensation the least favorable income type when lenders assess the strength of a loan applicant's financial profile.