What are the best low down payment loan programs for house hacking a single family home with an accessory dwelling unit this year?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the best low down payment loan programs for house hacking a single family home with an accessory dwelling unit this year?
4 real searches · 1 real-search pass
2026 conforming mortgage guidelines ADU rental income Fannie Mae 1-unit principal residence 30% qualifying incomeGoogle ↗
OBSERVEDReason
2026 FHA loan ADU rental income underwriting guidelines accessory dwelling unit owner occupied 3.5% downGoogle ↗
OBSERVEDReason
2026 Freddie Mac ADU rental income mortgage guidelines Home Possible 3% downGoogle ↗
OBSERVEDOther / navigational
2026 VA mortgage ADU rental income guidelines accessory dwelling unit zero downGoogle ↗
OBSERVEDOther / navigational
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
2026 conforming mortgage guidelines ADU rental income Fannie Mae 1-unit principal residence 30% qualifying income Google ↗
2026 FHA loan ADU rental income underwriting guidelines accessory dwelling unit owner occupied 3.5% down Google ↗
2026 Freddie Mac ADU rental income mortgage guidelines Home Possible 3% down Google ↗
2026 VA mortgage ADU rental income guidelines accessory dwelling unit zero down Google ↗
- Rental Income from the Subject Property · guide-selling.fanniemae.com
- Selling Guide · singlefamily.fanniemae.com
- Accessory Dwelling Units (ADUs) · singlefamily.fanniemae.com
- Fannie Mae # Accessory Dwelling Unit Income and H · singlefamily.fanniemae.com
- Home Possible® · sf.freddiemac.com
- Accessory Dwelling Units · sf.freddiemac.com
- HUD Archives: Federal Housing Administration Expands Access to Mortgage Financing for Homes That Have or Will Include Accessory Dwelling Units · archives.hud.gov
- Revisions to Rental Income Policies, Property Eligibility, and Appraisal Protocols for Accessory Dwelling Units · hud.gov
- FHA Single Family Housing Policy Handbook · hud.gov
- Single Family Housing Guaranteed Loan Program-Income Producing Accessory Dwelling Unit (ADU) Provisions · thefederalregister.org
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 conforming mortgage guidelines ADU rental income Fannie Mae 1-unit principal residence 30% qualifying income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2026 FHA loan ADU rental income underwriting guidelines accessory dwelling unit owner occupied 3.5% down OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2026 Freddie Mac ADU rental income mortgage guidelines Home Possible 3% down OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
2026 VA mortgage ADU rental income guidelines accessory dwelling unit zero down OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |