In regards to the VOR, if the brrw has no identity of interest with the landlord (i.e. they are not purchasing the home they are living in, they are not renting from a family member) then VOR on supplement is sufficient.  All non-traditional credit must be added to credit report & meet product guidelines.

Per HHM FHA product: 

Non-Traditional Credit – Requires Manual Underwrite (refer to manual underwriting requirements)

• Non-traditional credit must be documented using a Non-Traditional Mortgage Credit Report (NTMCR) from a credit reporting company or independently develop the borrower’s credit history.
• Non-traditional credit may be used when the borrower does not have the type of credit that appears on a traditional credit report or to supplement an insufficient number of trade items reported to generate a credit score.
• Non-traditional credit must include three credit references including at a minimum one of the following per FHA Guidelines:
  • Rental housing verification required if applicable;
  • Telephone service; or
  • Utility company reference (if not included in the rental housing payment), including gas, electric, water, television service, and internet service.
• If all three credit references are not available from list above, the remaining credit references may be obtained from the following list:
  • Medical, life, auto or renter’s insurance coverage that is not payroll deducted.
  • Payment to child care providers made to a business providing such services.
  • School tuition
  • Retail stores credit cards (for example: such as department, furniture, appliance and specialty stores).
  • Rent-to-own (for example: furniture, appliances)
  • Payment of any part of medical bills not covered by insurance
• Documented 12-month history of saving by regular deposits resulting in an increasing balance to the account that:
  • Were made at least quarterly;
  • Are not payroll deducted; and
  • Caused no NSF activity

• Automobile leases

• Personal loan from an individual with repayment terms in writing and supported by cancelled checks to document the payments.

• A documented 12 month history of payment by the borrower on an account for which the borrower is an authorized user.

Original question:
I have a potential borrower with true zero credit nothing on the credit report can we do this under FHA with 3 forms of alternative credit?  and if we can for verification of rent will a VOR be sufficient or do we need to see 12 months of cancelled checks?