Can freelance income be counted toward our debt-to-income ratio when applying for a joint mortgage with my spouse?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can freelance income be counted toward our debt-to-income ratio when applying for a joint mortgage with my spouse?
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 self-employed income 2 years tax returns qualifying income debt-to-income joint mortgage freelance income Google ↗
Freddie Mac guide self-employed income one year two years tax returns mortgage qualifying income 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
- Tax Return and Transcript Documentation Requirements · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide self-employed income 2 years tax returns qualifying income debt-to-income joint mortgage freelance income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac guide self-employed income one year two years tax returns mortgage qualifying income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |