Can self-employed borrowers use net operating losses to offset other income streams when a lender computes the debt-to-income ratio?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can self-employed borrowers use net operating losses to offset other income streams when a lender computes the debt-to-income ratio?
2 real searches · 1 real-search pass
Fannie Mae self-employed net operating loss add back other income debt to income calculation Schedule C business income net operating lossGoogle ↗
OBSERVEDConsequence
Freddie Mac self-employed net operating loss offset other income qualifying income debt-to-income mortgage underwritingGoogle ↗
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 (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 self-employed net operating loss add back other income debt to income calculation Schedule C business income net operating loss Google ↗
Freddie Mac self-employed net operating loss offset other income qualifying income debt-to-income mortgage underwriting Google ↗
- analyzing business income and cash flow · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- Agency Guides > Fannie Mae Single Family > 2020 Selling Guide > Part B, Origination Through Closing > Subpart B3, Underwriting Borrowers > Chapter B3-3, Income Assessment > Income AssessmentIncome AssessmentIntroductionThis chapter describes the requirements for evaluating income stability, adequacy, and likelihood of continuance — key factors used in qualifying the borrower and assessing his or her capacity to repay the mortgage over the life of the loan.Agency Guides > Fannie Mae Single Family · f.hubspotusercontent10.net
- Freddie Mac Single-Family Seller/Servicer Guide PDF · guide.freddiemac.com
- Qualifying for a Mortgage When You’re Self-Employed · myhome.freddiemac.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae self-employed net operating loss add back other income debt to income calculation Schedule C business income net operating loss OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Freddie Mac self-employed net operating loss offset other income qualifying income debt-to-income mortgage underwriting OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |