How do automated underwriting systems like Desktop Underwriter evaluate self-employed debt-to-income ratios when business deductions significantly lower net taxable income on tax returns?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do automated underwriting systems like Desktop Underwriter evaluate self-employed debt-to-income ratios when business deductions significantly lower net taxable income on tax returns?
2 real searches · 1 real-search pass
Fannie Mae Selling Guide self-employed income cash flow analysis add backs depreciation business use of home amortization 2026 Desktop UnderwriterGoogle ↗
OBSERVEDReason
Fannie Mae self-employed borrower income calculation Schedule C depreciation depletion business deductions qualifying income DTIGoogle ↗
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 Selling Guide self-employed income cash flow analysis add backs depreciation business use of home amortization 2026 Desktop Underwriter Google ↗
Fannie Mae self-employed borrower income calculation Schedule C depreciation depletion business deductions qualifying income DTI Google ↗
- Underwriting Factors and Documentation for a Self-Employed Borrower · guide-selling.fanniemae.com
- Fannie Mae November 2025 Selling Guide · cdn.lhfs.com
- Income Calculator Frequently Asked Questions · singlefamily.fanniemae.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · 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 Selling Guide self-employed income cash flow analysis add backs depreciation business use of home amortization 2026 Desktop Underwriter OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Fannie Mae self-employed borrower income calculation Schedule C depreciation depletion business deductions qualifying income DTI OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |