How do I explain debt-to-income ratio calculations and credit score requirements to first-time home buyers with complex freelance income streams?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do I explain debt-to-income ratio calculations and credit score requirements to first-time home buyers with complex freelance income streams?
3 real searches · 1 real-search pass
Fannie Mae selling guide debt-to-income ratio maximum self-employed income tax returns calculation 2026Google ↗
OBSERVEDReason
Freddie Mac self-employed borrower income documentation guide debt-to-income ratioGoogle ↗
OBSERVEDReason
CFPB mortgage credit score requirements no universal minimum FHA minimum credit score official HUDGoogle ↗
OBSERVEDYes / no
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 debt-to-income ratio maximum self-employed income tax returns calculation 2026 Google ↗
Freddie Mac self-employed borrower income documentation guide debt-to-income ratio Google ↗
CFPB mortgage credit score requirements no universal minimum FHA minimum credit score official HUD Google ↗
- HUD 4155.1 Chapter 4, Section A · hud.gov
- Does my credit score affect my ability to get a mortgage loan or the mortgage rate I pay? · consumerfinance.gov
- Debt-to-Income Ratios · selling-guide.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 debt-to-income ratio maximum self-employed income tax returns calculation 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac self-employed borrower income documentation guide debt-to-income ratio OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB mortgage credit score requirements no universal minimum FHA minimum credit score official HUD OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 |