Running a small tech startup means my personal income fluctuates, so how are lenders currently calculating debt to income ratios for self employed entrepreneurs trying to buy a multi family investment property?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Running a small tech startup means my personal income fluctuates, so how are lenders currently calculating debt to income ratios for self employed entrepreneurs trying to buy a multi family investment property?
3 real searches · 1 real-search pass
2026 mortgage underwriting self-employed borrowers DTI conventional Fannie Mae guidelines rental income investment property DSCR loansGoogle ↗
OBSERVEDReason
2026 Fannie Mae Selling Guide self-employed income calculation two years tax returns debt-to-income ratio rental income investment property 2-4 unitsGoogle ↗
OBSERVEDReason
Freddie Mac Guide self-employed borrower income analysis rental income 2-4 unit investment property DTI 2026Google ↗
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
2026 mortgage underwriting self-employed borrowers DTI conventional Fannie Mae guidelines rental income investment property DSCR loans Google ↗
2026 Fannie Mae Selling Guide self-employed income calculation two years tax returns debt-to-income ratio rental income investment property 2-4 units Google ↗
Freddie Mac Guide self-employed borrower income analysis rental income 2-4 unit investment property DTI 2026 Google ↗
- Underwriting Factors and Documentation for a Self-Employed Borrower · guide-selling.fanniemae.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- Debt-to-Income Ratios · guide-selling.fanniemae.com
- Selling Guide · singlefamily.fanniemae.com
- General Rental Income Information · selling-guide.fanniemae.com
- Fannie Mae Selling Guide March 4, 2026 · singlefamily.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 mortgage underwriting self-employed borrowers DTI conventional Fannie Mae guidelines rental income investment property DSCR loans OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2026 Fannie Mae Selling Guide self-employed income calculation two years tax returns debt-to-income ratio rental income investment property 2-4 units OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac Guide self-employed borrower income analysis rental income 2-4 unit investment property DTI 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |