How does calculating home affordability budget using net operating income for a multi-family property compare to standard W-2 gross salary underwriting?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does calculating home affordability budget using net operating income for a multi-family property compare to standard W-2 gross salary underwriting?
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 selling guide rental income debt-to-income 2-4 unit principal residence rental income calculation Google ↗
Freddie Mac multifamily underwriting net operating income debt service coverage ratio commercial mortgage guide Google ↗
- Rental Income from the Subject Property · selling-guide.fanniemae.com
- General Rental Income Information · selling-guide.fanniemae.com
- DU Job Aids: Entering Income from Rental Property · singlefamily.fanniemae.com
- Income Analysis · mfguide.fanniemae.com
- Underwritten DSCR · mfguide.fanniemae.com
- Examination Manual - Multifamily Mortgage Underwriting and Acquisitions Module · fhfa.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide rental income debt-to-income 2-4 unit principal residence rental income calculation OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Freddie Mac multifamily underwriting net operating income debt service coverage ratio commercial mortgage guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |