What is the exact formula lenders use to calculate front-end and back-end debt-to-income ratios when the borrower has fluctuating commission-based income?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the exact formula lenders use to calculate front-end and back-end debt-to-income ratios when the borrower has fluctuating commission-based income?
3 real searches · 1 real-search pass
Fannie Mae Selling Guide commission income variable income calculation two year history monthly average declining incomeGoogle ↗
OBSERVEDReason
Freddie Mac Guide commission income fluctuating income calculation average 12 24 monthsGoogle ↗
OBSERVEDReason
FHA handbook commission income 2 year average 12 months variable income debt ratioGoogle ↗
OBSERVEDReason
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 commission income variable income calculation two year history monthly average declining income Google ↗
Freddie Mac Guide commission income fluctuating income calculation average 12 24 months Google ↗
FHA handbook commission income 2 year average 12 months variable income debt ratio Google ↗
- Bonus, Commission, Overtime, and Tip Income · selling-guide.fanniemae.com
- Bonus, Commission, Overtime, and Tip Income · guide-selling.fanniemae.com
- FHA Single Family Housing Policy Handbook · hud.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide commission income variable income calculation two year history monthly average declining income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac Guide commission income fluctuating income calculation average 12 24 months OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FHA handbook commission income 2 year average 12 months variable income debt ratio OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |