I have had differing advice from the SFE help desk so hope you can clarify. We are getting ready to apply for finance for our daughter starting her course in 2017. I am retired but in addition to my pension I have a small part time self-employed income which consists of some freelancing work and a small income from a rental property; (about £3000 pa after mortgage costs). In one call to the help desk I was advised to total this all up and place my profit in section 12 /D /1 in application the form. The other advice was to take out the rental property and put that part of my business as a net income after mortgage costs in section 12 /D/4. Can you advise which the correct route is please?