How do lenders calculate my debt to income ratio for a conventional loan if I have a side hustle and a car payment that eats up my monthly cash flow
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate my debt to income ratio for a conventional loan if I have a side hustle and a car payment that eats up my monthly cash flow
1 real search · 1 real-search pass
Fannie Mae Selling Guide debt-to-income ratio self-employment income Schedule C automobile installment debt conventional mortgage 2026Google ↗
OBSERVEDShort fact
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 debt-to-income ratio self-employment income Schedule C automobile installment debt conventional mortgage 2026 Google ↗
- Debt-to-Income Ratios · guide-selling.fanniemae.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com