How strictly do banks calculate debt to income ratio when considering overtime pay and freelance income for a tight budget mortgage approval?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How strictly do banks calculate debt to income ratio when considering overtime pay and freelance income for a tight budget mortgage approval?
3 real searches · 1 real-search pass
Fannie Mae selling guide overtime income history variable income self-employed income calculation debt to income ratio 2026Google ↗
OBSERVED
Freddie Mac guide overtime income history self-employment income qualifying income debt-to-income ratio 2026Google ↗
OBSERVED
CFPB mortgage debt-to-income ratio lender underwriting income overtime freelanceGoogle ↗
OBSERVED
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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
Fannie Mae selling guide overtime income history variable income self-employed income calculation debt to income ratio 2026 Google ↗
Freddie Mac guide overtime income history self-employment income qualifying income debt-to-income ratio 2026 Google ↗
CFPB mortgage debt-to-income ratio lender underwriting income overtime freelance Google ↗
- Debt-to-Income Ratios · guide-selling.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling · consumerfinance.gov
- Bonus, Commission, Overtime, and Tip Income · selling-guide.fanniemae.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · guide-selling.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 overtime income history variable income self-employed income calculation debt to income ratio 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac guide overtime income history self-employment income qualifying income debt-to-income ratio 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB mortgage debt-to-income ratio lender underwriting income overtime freelance OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |