Tradelining my credit score boosted it enough for an FHA loan, but my debt-to-income ratio is still too high for the houses I want in Austin—any legal workarounds?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Tradelining my credit score boosted it enough for an FHA loan, but my debt-to-income ratio is still too high for the houses I want in Austin—any legal workarounds?
3 real searches · 1 real-search pass
HUD FHA Single Family Housing Policy Handbook 4000.1 debt to income ratios manual underwriting compensating factors debts paid by others student loans 2026Google ↗
OBSERVEDInstruction
FHA mortgage DTI debts paid by another person 12 months documentation HUD handbook 4000.1Google ↗
OBSERVEDReason
Austin Texas homebuyer assistance programs 2026 official TSAHC TDHCA AustinGoogle ↗
OBSERVEDOther / navigational
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
HUD FHA Single Family Housing Policy Handbook 4000.1 debt to income ratios manual underwriting compensating factors debts paid by others student loans 2026 Google ↗
FHA mortgage DTI debts paid by another person 12 months documentation HUD handbook 4000.1 Google ↗
Austin Texas homebuyer assistance programs 2026 official TSAHC TDHCA Austin Google ↗
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
HUD FHA Single Family Housing Policy Handbook 4000.1 debt to income ratios manual underwriting compensating factors debts paid by others student loans 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Instruction | — | — | 1x of 1 | |
FHA mortgage DTI debts paid by another person 12 months documentation HUD handbook 4000.1 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Austin Texas homebuyer assistance programs 2026 official TSAHC TDHCA Austin OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |