How do lenders calculate self-employed business income for mortgage qualification when there are significant write-offs and depreciation expenses on the tax returns?
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The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate self-employed business income for mortgage qualification when there are significant write-offs and depreciation expenses on the 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 income depreciation add back business tax returns cash flow analysis 2026 Google ↗
Freddie Mac Guide self-employed income depreciation add back business tax returns 2026 Google ↗
- Underwriting Factors and Documentation for a Self-Employed Borrower · guide-selling.fanniemae.com
- Analyzing Returns for a Corporation · selling-guide.fanniemae.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- General Information on Analyzing Individual Tax Returns · guide-selling.fanniemae.com
- Fannie Mae November 2025 Selling Guide · cdn.lhfs.com
- Analyzing Profit and Loss Statements · guide-selling.fanniemae.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 income depreciation add back business tax returns cash flow analysis 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac Guide self-employed income depreciation add back business tax returns 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |