How do lenders calculate debt to income ratio for retired applicants who take sporadic capital gains distributions
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate debt to income ratio for retired applicants who take sporadic capital gains distributions
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
Fannie Mae Selling Guide capital gains income retirement sporadic capital gains Schedule D qualifying income mortgage Google ↗
Freddie Mac Guide capital gains income mortgage qualifying income retirement asset depletion Google ↗
- Capital Gains Income · selling-guide.fanniemae.com
- MPF Traditional Selling Guide · fhlbmpf.com
- Freddie Mac Single-Family Seller/Servicer Guide PDF · guide.freddiemac.com
- Mortgage Lending: Lending Standards for Asset Dissipation Underwriting · occ.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide capital gains income retirement sporadic capital gains Schedule D qualifying income mortgage OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac Guide capital gains income mortgage qualifying income retirement asset depletion OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |