How do lenders calculate debt-to-income ratios for sole proprietors who write off a lot of business expenses, and how does this affect my mortgage rate options?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate debt-to-income ratios for sole proprietors who write off a lot of business expenses, and how does this affect my mortgage rate options?
3 real searches · 1 real-search pass
Fannie Mae Selling Guide self-employed income Schedule C depreciation add back 2026 debt to income ratioGoogle ↗
OBSERVEDConsequence
Freddie Mac self-employed borrower income tax returns Schedule C depreciation add back guideGoogle ↗
OBSERVEDReason
CFPB debt-to-income ratio mortgage how calculatedGoogle ↗
OBSERVEDInstruction
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Fannie Mae Selling Guide self-employed income Schedule C depreciation add back 2026 debt to income ratio Google ↗
Freddie Mac self-employed borrower income tax returns Schedule C depreciation add back guide Google ↗
CFPB debt-to-income ratio mortgage how calculated Google ↗
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · guide-selling.fanniemae.com
- What is a debt-to-income ratio? · consumerfinance.gov
- Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling · consumerfinance.gov
- DU Job Aids: DTI Ratio Calculation Questions · singlefamily.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide self-employed income Schedule C depreciation add back 2026 debt to income ratio OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Freddie Mac self-employed borrower income tax returns Schedule C depreciation add back guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB debt-to-income ratio mortgage how calculated OBSERVED | Google ↗ AI Mode ↗ | — | Instruction | — | — | 1x of 1 |