{"buyer_scenarios":[{"fit":"best_suited","scenario":"A landlord with a non-owner-occupied 1–4 unit rental, condo, PUD, or townhouse ."},{"fit":"best_suited","scenario":"A borrower who wants to preserve an existing first-mortgage rate and amortization ."},{"fit":"best_suited","scenario":"An investor with at least 680 FICO seeking a $50,000–$250,000 second-lien line ."},{"fit":"best_suited","scenario":"An LLC-owned rental, if the borrower establishes the required Business Membership Account ."},{"fit":"not_best_suited","scenario":"A borrower needing a second-lien line above $250,000 ."},{"fit":"not_best_suited","scenario":"A Texas property, where the product is unavailable ."},{"fit":"not_best_suited","scenario":"An ineligible co-op, leasehold, manufactured-home, or otherwise nonconforming property ."},{"fit":"not_best_suited","scenario":"A borrower seeking a fixed-rate product, since only variable rates are offered ."}],"citations":{"source_mix":{"company_owned":25,"independent":3,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":24,"partial":3},"total_sources":28,"unique_domain_count":12},"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","openai"],"predicate":"final_consensus_rank","qualifier":"Tapping equity in a non-owner-occupied rental property","subject":"Quorum Federal Credit Union","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Quorum Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Quorum Federal Credit Union","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Quorum Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Quorum Federal Credit Union","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Quorum Federal Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/investment-rental-property-heloc/quorum-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/investment-rental-property-heloc/quorum-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-64998F2D41FE","title":"Quorum Federal Credit Union 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 19:47:01.703794+00","research_date":"2026-09-29","source_snapshot_sha256":"f7270fdf9ff3ca2f94d0af1013b8e99d44453d260c6d75c8d1e7b71c21d0153a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":38,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Quorum Federal Credit Union is a good fit for tapping equity in a non-owner-occupied rental property, with meaningful verification requirements. Two of seven platforms named Quorum during the ranking stage, and its average listed rank was 3.5, with one platform placing it first. The strongest reason to consider it: Quorum expressly offers an Investment Property HELOC in second-lien position, accepts non-owner-occupied 1–4 unit properties and LLC ownership, and publishes an 80% CLTV ceiling . The main limitation: the second-lien line is capped at $250,000, fees are significant, the rate is…","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"}}