Real ChatGPT answer · index seedxYWHIfet9ikcompleteParenting and family · family financesinformational
How do lenders calculate debt to income ratios for self employed applicants who use legitimate write offs to lower their taxable business income?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate debt to income ratios for self employed applicants who use legitimate write offs to lower their taxable business income?
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
Fannie Mae self-employed borrower income calculation depreciation add back business use of home nonrecurring expenses selling guide 2026 Google ↗
Freddie Mac self-employed income analysis depreciation add back business use of home mortgage guide Google ↗
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- Fannie Mae Selling Guide March 4, 2026 · singlefamily.fanniemae.com
- General Information on Analyzing Individual Tax Returns · guide-selling.fanniemae.com
- Analyzing Profit and Loss Statements · 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 self-employed borrower income calculation depreciation add back business use of home nonrecurring expenses selling guide 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac self-employed income analysis depreciation add back business use of home mortgage guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |