Which first-time homebuyer loans currently allow business owners to use retained earnings for qualifying without showing massive personal W2 income?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Which first-time homebuyer loans currently allow business owners to use retained earnings for qualifying without showing massive personal W2 income?
4 real searches · 1 real-search pass
2026 current mortgage underwriting retained business earnings self employed Fannie Mae business funds income cash flow analysis selling guideGoogle ↗
OBSERVEDReason
2026 mortgage business bank statement loan retained earnings business owner qualifying income non-QM lender guidelinesGoogle ↗
OBSERVEDShort fact
Fannie Mae Selling Guide self employed income business liquidity distributions retained earnings personal qualifying incomeGoogle ↗
OBSERVEDShort fact
Freddie Mac Guide self employed business income retained earnings mortgage qualifying incomeGoogle ↗
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 (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
2026 current mortgage underwriting retained business earnings self employed Fannie Mae business funds income cash flow analysis selling guide Google ↗
2026 mortgage business bank statement loan retained earnings business owner qualifying income non-QM lender guidelines Google ↗
Fannie Mae Selling Guide self employed income business liquidity distributions retained earnings personal qualifying income Google ↗
Freddie Mac Guide self employed business income retained earnings mortgage qualifying income Google ↗
- Schedule K-1 Income · selling-guide.fanniemae.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- Self-Employment Income & Documentation · api.homebuyer.com
- Self-Employed Mortgage Loans | Bank Statement, 1099 & P&L Loans · nasb.com
- Bank Statement Loans · nasb.com
- 26-30: Non-QM Program Updates · corr.pennymac.com
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 current mortgage underwriting retained business earnings self employed Fannie Mae business funds income cash flow analysis selling guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2026 mortgage business bank statement loan retained earnings business owner qualifying income non-QM lender guidelines OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
Fannie Mae Selling Guide self employed income business liquidity distributions retained earnings personal qualifying income OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
Freddie Mac Guide self employed business income retained earnings mortgage qualifying income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |