How do lenders calculate debt-to-income ratio when you have both a standard W-2 salary and a side hustle from college?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate debt-to-income ratio when you have both a standard W-2 salary and a side hustle from college?
2 real searches · 1 real-search pass
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
Fannie Mae selling guide self-employed income two years tax returns Schedule C addbacks depreciation qualifying income DTI Google ↗
Freddie Mac guide self-employed income tax returns business income two years mortgage underwriting Google ↗
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- Standards for Employment-Related Income · guide-selling.fanniemae.com
- Fannie Mae November 2025 Selling Guide · cdn.lhfs.com
- General Information on Analyzing Individual Tax Returns · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide self-employed income two years tax returns Schedule C addbacks depreciation qualifying income DTI OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac guide self-employed income tax returns business income two years mortgage underwriting OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |