What are the specific underwriting criteria lenders use when evaluating self-employed income from a single-member LLC for a conventional mortgage without two full years of tax returns?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the specific underwriting criteria lenders use when evaluating self-employed income from a single-member LLC for a conventional mortgage without two full years of tax returns?
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 self-employed borrower less than two years tax returns one year self employment income B3-3.2-01 2026 Google ↗
Freddie Mac Seller Servicer Guide self-employed income less than two years tax returns one year requirements Google ↗
- Underwriting Factors and Documentation for a Self-Employed Borrower · guide-selling.fanniemae.com
- Freddie Mac Single-Family Seller/Servicer Guide PDF · guide.freddiemac.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide self-employed borrower less than two years tax returns one year self employment income B3-3.2-01 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
Freddie Mac Seller Servicer Guide self-employed income less than two years tax returns one year requirements OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 |