Real ChatGPT answer + Gemini simulation · index seedcROuAWjLyi8completeAI OverviewReal estate · buying a homehowto
Would an FHA loan or a conventional loan be more forgiving of my current debt to income ratio now that I am retired?
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search36 queries10/30/2026
Download run
Gemini unique queries
34
2 in ≥ half the passes · stability 35%
ChatGPT real searches predicted
0%
0 of 2 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
Would an FHA loan or a conventional loan be more forgiving of my current debt to income ratio now that I am retired?
34 unique queries · 3 passes
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. 34 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT2 real searches · gpt-60% predicted
2026 FHA mortgage debt to income ratio guidelines retirement income Social Security pension official HUD handbook 4000.1 Google ↗
2026 Fannie Mae selling guide debt-to-income ratio maximum 50 percent retirement income assets annuity Social Security Google ↗
- Fannie Mae Selling Guide March 4, 2026 · singlefamily.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- FHA Single Family Housing Policy Handbook · hud.gov
- FHA TOTAL | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · glb.hud.gov
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
34 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
fha loan vs conventional loan debt to income ratio limits REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct comparison of the maximum allowable debt-to-income ratios for FHA and conventional mortgages. | — | comparison_table | fha versus conventional dti | 2x of 3 | |
how do lenders calculate debt to income ratio for retirees IMPLICIT | Google ↗ AI Mode ↗ | Understand the specific mechanics of how pension, social security, and retirement accounts are computed into a DTI ratio. | — | web_article | calculating retirement dti for mortgages | 2x of 3 | |
fha vs conventional loan debt to income ratio retirement REFORMULATION | Google ↗ AI Mode ↗ | Find a direct side-by-side comparison of maximum DTI limits for FHA and conventional loans for retirees. | — | comparison_table | fha versus conventional dti | 1x of 3 | |
how do lenders calculate retirement income for a mortgage dti IMPLICIT | Google ↗ AI Mode ↗ | The user needs to understand how pensions, social security, and retirement accounts are calculated into monthly income for a mortgage application. | — | web_article | calculating retirement dti for mortgages | 1x of 3 | |
fha loan requirements for retirees ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to see all specific FHA guidelines and flexibilities designed or relevant for retired borrowers. | — | buyers_guide | fha loan requirements for retirees | 1x of 3 | |
fha loan requirements for retired applicants ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to know all specific FHA eligibility criteria that apply to retired individuals. | — | faq_page | fha loan requirements for retirees | 1x of 3 | |
conventional loan dti limits with social security income RELATED | Google ↗ AI Mode ↗ | Learn the exact debt-to-income caps permitted for conventional mortgages when relying on social security. | — | faq_page | conventional loan dti guidelines | 1x of 3 | |
conventional loan guidelines for retirees with fixed income ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to understand how conventional mortgage underwriters evaluate retired borrowers. | — | web_article | conventional loans for retirees | 1x of 3 | |
fha maximum debt to income ratio 2024 RELATED | Google ↗ AI Mode ↗ | Find the current maximum allowable DTI ratios for FHA insured mortgages. | — | product_spec_sheet | fha debt to income limits | 1x of 3 | |
conventional loan guidelines for retirees with existing debt ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to know how conventional lenders view retirees who carry ongoing monthly debt obligations. | — | buyers_guide | conventional loans for retirees | 1x of 3 | |
can asset depletion qualify me for a conventional mortgage RELATED | Google ↗ AI Mode ↗ | The user wants to know if large retirement savings can be used to offset a high DTI or qualify for a conventional loan. | — | faq_page | conventional loans for retirees | 1x of 3 | |
fha loan vs conventional loan approval requirements COMPARATIVE | Google ↗ AI Mode ↗ | Compare all major underwriting differences between FHA and conventional mortgages beyond just DTI. | — | buyers_guide | fha versus conventional dti | 1x of 3 | |
maximum dti for fha loan 2026 RELATED | Google ↗ AI Mode ↗ | The user wants to check the current benchmark DTI thresholds enforced by the FHA. | — | product_spec_sheet | fha debt to income limits | 1x of 3 | |
fha vs conventional mortgage comparison for low income or high dti COMPARATIVE | Google ↗ AI Mode ↗ | The user seeks a broader comparison of FHA and conventional loans specifically focused on leniency toward higher debt ratios. | — | comparison_table | fha versus conventional dti | 1x of 3 | |
mortgage calculator with retirement income and dti ENTITY EXPANSION | Google ↗ AI Mode ↗ | Use an interactive tool to estimate borrowing power and DTI using pension and investment income. | — | calculator/tool | calculating retirement dti for mortgages | 1x of 3 | |
is fha or conventional better with high dti COMPARATIVE | Google ↗ AI Mode ↗ | The user wants a summary conclusion on which loan program is more lenient toward higher debt-to-income ratios overall. | — | web_article | fha versus conventional dti | 1x of 3 | |
calculate my debt to income ratio for retirement mortgage PERSONALIZED | Google ↗ AI Mode ↗ | The user wants to compute their own DTI using retirement income sources to see where they stand. | — | calculator/tool | strategies to lower mortgage dti | 1x of 3 | |
can you use retirement accounts to lower dti for mortgage PERSONALIZED | Google ↗ AI Mode ↗ | Find out if asset depletion or IRA/401k balances can be used to offset high debt-to-income ratios. | — | forum/qna | calculating retirement dti for mortgages | 1x of 3 | |
mortgage options for seniors with fixed income and debt PERSONALIZED | Google ↗ AI Mode ↗ | The user wants mortgage solutions tailored to senior citizens living on fixed incomes while managing debt. | — | web_article | conventional loans for retirees | 1x of 3 | |
maximum debt to income ratio allowed for fha loans RELATED | Google ↗ AI Mode ↗ | The user wants to know the absolute ceiling for FHA debt-to-income ratios including back-end and front-end ratios. | — | glossary/definition | fha debt to income limits | 1x of 3 | |
fha asset depletion method for retirement income RELATED | Google ↗ AI Mode ↗ | Understand how FHA guidelines handle asset-based income approaches for retirees. | — | pdf_whitepaper | fha loan requirements for retirees | 1x of 3 | |
fha compensating factors for high debt to income ratio RELATED | Google ↗ AI Mode ↗ | The user wants to know what compensating factors can offset a high DTI on an FHA application. | — | checklist | fha debt to income limits | 1x of 3 | |
conventional loan max dti with compensating factors RELATED | Google ↗ AI Mode ↗ | The user wants to know if conventional loans allow higher DTI ratios if the borrower has strong compensating factors like cash reserves. | — | web_article | conventional loan dti guidelines | 1x of 3 | |
conventional loan asset dissipation guidelines fannie mae RELATED | Google ↗ AI Mode ↗ | Examine Fannie Mae rules regarding using retirement assets to qualify for a conventional mortgage. | — | web_article | conventional loan dti guidelines | 1x of 3 | |
conventional loan compensating factors manual underwriting dti RELATED | Google ↗ AI Mode ↗ | The user wants to understand manual underwriting rules and compensating factors for conventional loans when DTI is elevated. | — | pdf_whitepaper | conventional loan dti guidelines | 1x of 3 | |
are fha loans easier to get when retired REFORMULATION | Google ↗ AI Mode ↗ | The user wants a summary of whether FHA underwriting is generally more lenient for retired individuals. | — | forum/qna | fha loan requirements for retirees | 1x of 3 | |
tips to lower debt to income ratio before applying for mortgage retired IMPLICIT | Google ↗ AI Mode ↗ | Discover actionable strategies to improve DTI ratio when living on fixed retirement income. | — | checklist | strategies to lower mortgage dti | 1x of 3 | |
calculate mortgage dti with pension and social security income IMPLICIT | Google ↗ AI Mode ↗ | The user wants to know the gross-up rules applied to non-taxable retirement income like social security during DTI calculation. | — | calculator/tool | calculating retirement dti for mortgages | 1x of 3 | |
mortgage options for seniors with pension and social security income ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user is exploring all mortgage options available to seniors relying primarily on pensions and social security. | — | buyers_guide | conventional loans for retirees | 1x of 3 | |
is fha or conventional better for seniors with debt REFORMULATION | Google ↗ AI Mode ↗ | Get a summary verdict on which loan product favors older borrowers carrying existing debt. | — | review_roundup | conventional loans for retirees | 1x of 3 | |
can you get a conventional mortgage with a 45 percent dti in retirement REFORMULATION | Google ↗ AI Mode ↗ | The user wants to test a specific DTI percentage against conventional loan tolerances for retirees. | — | forum/qna | calculating retirement dti for mortgages | 1x of 3 | |
minimum credit score and max dti fha vs conventional COMPARATIVE | Google ↗ AI Mode ↗ | Compare credit score minimums alongside DTI limits for both loan types. | — | comparison_table | fha versus conventional dti | 1x of 3 | |
fha vs conventional mortgage underwriting differences COMPARATIVE | Google ↗ AI Mode ↗ | The user wants a high-level comparison of how FHA and conventional underwriting philosophies differ regarding risk and borrower forgiveness. | — | web_article | fha versus conventional dti | 1x of 3 | |
how to lower debt to income ratio before applying for a mortgage IMPLICIT | Google ↗ AI Mode ↗ | The user wants actionable strategies to reduce their DTI ratio if it is currently too high for mortgage approval. | — | how_to_steps | strategies to lower mortgage dti | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 923 / 1,530 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 923 / 1,568 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 923 / 1,613 |