Q. My wife and I live in a rent-stabilized apartment with a monthly rent over $2,000. In a couple of years, I will be 70½ and will be required to take a withdrawal from my I.R.A. That withdrawal will push us over the $175,000 limit and could jeopardize our rent-regulated status.

Since we don’t live in the apartment for four months of the year, is it possible for me to attribute a third of my income to my summer residence and thus stay under the $175,000 limit in New York?

A. Lucas A. Ferrara, a Manhattan real estate lawyer, said that rent-regulated apartments may be deregulated when the monthly rent exceeds $2,000 and when the tenant’s annual household income — that is, the federal adjusted gross income as reported on New York State income tax returns — exceeds $175,000 for two years running. “Under current regulations there is no formula for apportioning the household income in the manner proposed by the letter writer,” he said.