I have a SBSF loan to an individual that is for purchasing a commercial R/E building for their business. The business's revenue was used in the credit decision, but the borrower also has a Sch E. Would I combine the gross rents of the borrower's Sch E and the GAR of the business to report for CRA? Or only the business's GAR since it's was used in the credit decision? Also, if the business that was used for the credit decision is not a guarantor on the loan, does that make a difference on if to report it or not since it's still affiliated? Thanks for helping!