How do I factor my required minimum distributions from my IRA into calculating my debt to income ratio for a reverse mortgage line of credit?
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The searches the AI actually ran for this prompt.
SEED QUERY
How do I factor my required minimum distributions from my IRA into calculating my debt to income ratio for a reverse mortgage line of credit?
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
HUD HECM financial assessment IRA required minimum distributions income monthly qualifying income handbook 4235.1 Google ↗
FHA HECM financial assessment calculation income IRA distributions annuity asset depletion RMD Google ↗
- FHA Single Family Housing Policy Handbook · glb.hud.gov
- Effective Income Analysis, FHA Handbook 4000.1 II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 5. Performing the Financial Assessment of the Borrower · claudeforcompliance.com
- HECM FINANCIAL ASSESSMENT AND PROPERTY · hud.gov
- Help · entp.hud.gov
- HECM FINANCIAL ASSESSMENT AND PROPERTY · hud.gov
- HECM FINANCIAL ASSESSMENT AND · hud.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
HUD HECM financial assessment IRA required minimum distributions income monthly qualifying income handbook 4235.1 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FHA HECM financial assessment calculation income IRA distributions annuity asset depletion RMD OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |