How do mortgage lenders calculate my debt-to-income ratio if I have a mix of freelance side hustle income and a steady W2 salary?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do mortgage lenders calculate my debt-to-income ratio if I have a mix of freelance side hustle income and a steady W2 salary?
1 real search · 1 real-search pass
Fannie Mae selling guide self-employed income calculation two year average Schedule C debt to income ratio mortgageGoogle ↗
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 selling guide self-employed income calculation two year average Schedule C debt to income ratio mortgage Google ↗
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- Standards for Employment-Related Income · selling-guide.fanniemae.com
- Debt-to-Income Ratios · guide-selling.fanniemae.com
- DU Job Aids: DTI Ratio Calculation Questions · singlefamily.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Freddie Mac Single-Family Seller/Servicer Guide PDF · guide.freddiemac.com