What is the maximum debt-to-income ratio allowed for retirees applying for a conventional mortgage when most of their income comes from a pension and IRA withdrawals?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the maximum debt-to-income ratio allowed for retirees applying for a conventional mortgage when most of their income comes from a pension and IRA withdrawals?
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 maximum debt-to-income ratio 50 percent Desktop Underwriter pension IRA distributions retirement income conventional mortgage 2026 Google ↗
Freddie Mac maximum debt-to-income ratio 50% conventional mortgage retirement income pension IRA withdrawals guide Google ↗
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Selling Guide · singlefamily.fanniemae.com
- Annuity, Pension, or Retirement Income · selling-guide.fanniemae.com
- General Income Information · selling-guide.fanniemae.com
- Fannie Mae Selling Guide · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae maximum debt-to-income ratio 50 percent Desktop Underwriter pension IRA distributions retirement income conventional mortgage 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac maximum debt-to-income ratio 50% conventional mortgage retirement income pension IRA withdrawals guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |