How do I calculate my true debt-to-income ratio for a mortgage when my company's revenue fluctuates throughout the year?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do I calculate my true debt-to-income ratio for a mortgage when my company's revenue fluctuates throughout the year?
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
Fannie Mae self-employed borrower income calculation two years tax returns business income fluctuating revenue debt to income mortgage 2026 Google ↗
Freddie Mac self-employed income calculation fluctuating income tax returns mortgage guide Google ↗
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- Qualifying for a Mortgage When You’re Self-Employed · myhome.freddiemac.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · guide-selling.fanniemae.com
- Freddie Mac Single-Family Seller/Servicer Guide PDF · guide.freddiemac.com
- Income Calculator · singlefamily.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae self-employed borrower income calculation two years tax returns business income fluctuating revenue debt to income mortgage 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac self-employed income calculation fluctuating income tax returns mortgage guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |