I need to figure out how to calculate my debt to income ratio accurately using my pension, social security, and part-time consulting income for a mortgage application.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I need to figure out how to calculate my debt to income ratio accurately using my pension, social security, and part-time consulting income for a mortgage application.
3 real searches · 1 real-search pass
Fannie Mae selling guide pension Social Security income gross up self employed income debt to income ratio qualifying incomeGoogle ↗
OBSERVEDReason
Freddie Mac guide retirement pension Social Security income gross up self employment income mortgage qualifyingGoogle ↗
OBSERVEDReason
CFPB debt to income ratio mortgage gross monthly income debtsGoogle ↗
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
Fannie Mae selling guide pension Social Security income gross up self employed income debt to income ratio qualifying income Google ↗
Freddie Mac guide retirement pension Social Security income gross up self employment income mortgage qualifying Google ↗
CFPB debt to income ratio mortgage gross monthly income debts Google ↗
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- FAQ: Top Trending Selling FAQs · singlefamily.fanniemae.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- Debt-to-Income Ratios · guide-selling.fanniemae.com
- CFPB's explanation of DTI · consumerfinance.gov
- Fannie Mae underwriting guidelines · selling-guide.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide pension Social Security income gross up self employed income debt to income ratio qualifying income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac guide retirement pension Social Security income gross up self employment income mortgage qualifying OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB debt to income ratio mortgage gross monthly income debts OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |