As a retiree on social security, I want to know how lenders calculate my monthly debt-to-income ratio if I still have a small car payment when applying for a new mortgage.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
As a retiree on social security, I want to know how lenders calculate my monthly debt-to-income ratio if I still have a small car payment when applying for a new mortgage.
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 debt-to-income ratio Social Security retirement income gross up car payment monthly obligations mortgage Google ↗
Freddie Mac Social Security income qualifying mortgage debt to income ratio retirement benefits gross up Google ↗
- Social Security Income · selling-guide.fanniemae.com
- Debt-to-Income Ratios · guide-selling.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- Monthly Debt Obligations · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae debt-to-income ratio Social Security retirement income gross up car payment monthly obligations mortgage OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac Social Security income qualifying mortgage debt to income ratio retirement benefits gross up OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |