{"citations":{"source_mix":{"company_owned":18,"independent":6,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":7,"partial":6},"total_sources":24,"unique_domain_count":6},"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":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Tapping equity in a non-owner-occupied rental property","subject":"Griffin Funding","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Griffin Funding","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Griffin Funding","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Griffin Funding","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Griffin Funding","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Griffin Funding","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/investment-rental-property-heloc/griffin-funding.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/investment-rental-property-heloc/griffin-funding","report_type":"fit_review","study_id":"MCI-STUDY-C53CE61642FC","title":"Griffin Funding 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 19:35:25.464091+00","research_date":"2026-09-29","source_snapshot_sha256":"dec078d7fcdd92b63cfd292764a9b453757bcbb497df439354a0227ce6e3d473","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":38,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Griffin Funding is a good fit for tapping equity in a non-owner-occupied rental property, with material verification requirements. Two of seven platforms named Griffin Funding during the ranking stage, at an average listed rank of 1.5 and a best rank of 1. The strongest reason to consider it is a purpose-built DSCR HELOC that qualifies on rental income rather than personal income, preserves an existing first mortgage, and supports LLC-held investment properties (, -4, ). The main limitation is that public materials do not reconcile the maximum CLTV for the DSCR HELOC — figures range from…","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"}}