What counts as recurring debt versus monthly obligations when an underwriter calculates my front-end and back-end debt-to-income ratios?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What counts as recurring debt versus monthly obligations when an underwriter calculates my front-end and back-end debt-to-income ratios?
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 debt-to-income ratio monthly obligations recurring debts excluded expenses utilities insurance Google ↗
CFPB mortgage debt-to-income ratio what counts monthly debt housing expenses Google ↗
- General Information on Liabilities · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Monthly Debt Obligations · guide-selling.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 debt-to-income ratio monthly obligations recurring debts excluded expenses utilities insurance OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
CFPB mortgage debt-to-income ratio what counts monthly debt housing expenses OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |