{"citations":{"source_mix":{"company_owned":17,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":5},"total_sources":36,"unique_domain_count":16},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best HELOC Lenders for Investment and Rental Properties","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok"],"predicate":"final_consensus_rank","qualifier":"Tapping equity in a non-owner-occupied rental property","subject":"Figure","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Figure","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Figure","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Figure","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.6666666666666667,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Figure","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/investment-rental-property-heloc/figure.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/investment-rental-property-heloc/figure","report_type":"fit_review","study_id":"MCI-STUDY-AE75B51C8E74","title":"Figure Review for Investment and Rental Properties"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-29 19:26:29.345056+00","research_date":"2026-09-29","source_snapshot_sha256":"91e12c126f31f19d8e04fe0e2a96e3535acc4cef06165fa8108506421ad792b8","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":38,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Figure is a good, but not clearly best, fit for tapping equity in a non-owner-occupied rental property. Three of the seven platforms in this study named Figure during the ranking stage (deepseek, google, grok), and all seven platforms that evaluated it rated the fit \"good\" except kimi, which rated it \"uncertain.\" The strongest reason to consider Figure is its explicit investment-property HELOC program: reported 70%–80% CLTV availability, LLC and revocable-trust vesting, rental-income qualification, and fast digital funding. The main limitation is disclosure: Figure's public consumer pages do…","target_buyer":"A landlord or real estate investor who wants to borrow against the equity in a non-owner-occupied rental property.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["investment property eligibility","maximum CLTV on rentals","rate premium for non-owner-occupied","portfolio lending options"],"geography":"United States","slug":"best-heloc-lenders-for-investment-and-rental-properties","title":"Best HELOC Lenders for Investment and Rental Properties","use_case":"Tapping equity in a non-owner-occupied rental property"}}