How much down payment do I actually need to buy a small multi-family property using house hacking to minimize my monthly housing expenses?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How much down payment do I actually need to buy a small multi-family property using house hacking to minimize my monthly housing expenses?
3 real searches · 1 real-search pass
2026 FHA minimum down payment 3.5% owner occupied 2-4 unit property self sufficiency test HUD officialGoogle ↗
OBSERVEDComparison
Fannie Mae eligibility matrix 2-4 unit principal residence maximum LTV 2026 officialGoogle ↗
OBSERVEDOther / navigational
VA home loan multi unit property 2-4 units occupancy requirements officialGoogle ↗
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
2026 FHA minimum down payment 3.5% owner occupied 2-4 unit property self sufficiency test HUD official Google ↗
Fannie Mae eligibility matrix 2-4 unit principal residence maximum LTV 2026 official Google ↗
VA home loan multi unit property 2-4 units occupancy requirements official Google ↗
- Loans | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
- FHA Single Family Housing Policy Handbook · hud.gov
- Maximum LTV/TLTV/HTLTV Ratio Requirements for Conforming and Super Conforming Mortgages · sf.freddiemac.com
- Purchase Loan · va.gov
- Chapter 4 Credit Underwriting · benefits.va.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 FHA minimum down payment 3.5% owner occupied 2-4 unit property self sufficiency test HUD official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Fannie Mae eligibility matrix 2-4 unit principal residence maximum LTV 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
VA home loan multi unit property 2-4 units occupancy requirements official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |