How do lenders calculate my qualifying income for a mortgage when part of my business revenue is reinvested back into the company?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate my qualifying income for a mortgage when part of my business revenue is reinvested back into the company?
1 real search · 1 real-search pass
Fannie Mae self-employed income calculation retained earnings business reinvestment add backs depreciation lender guide 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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
Fannie Mae self-employed income calculation retained earnings business reinvestment add backs depreciation lender guide 2026 Google ↗
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- Self-Employment Income from Schedule C · api.homebuyer.com
- Analyzing Profit and Loss Statements · guide-selling.fanniemae.com