{"citations":{"source_mix":{"company_owned":23,"independent":12,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":20,"partial":9},"total_sources":36,"unique_domain_count":19},"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","deepseek"],"predicate":"final_consensus_rank","qualifier":"Tapping equity in a non-owner-occupied rental property","subject":"Spring EQ","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Spring EQ","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Spring EQ","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Spring EQ","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Spring EQ","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Spring EQ","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/investment-rental-property-heloc/spring-eq.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/investment-rental-property-heloc/spring-eq","report_type":"fit_review","study_id":"MCI-STUDY-6BAC00233EBA","title":"Spring EQ 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 19:48:42.472817+00","research_date":"2026-09-29","source_snapshot_sha256":"998f26fd19c12d6a65dbb90eeb5e4c7fe1950fbce2177a41d17ff3f5c77c5258","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":38,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Spring EQ is a good but conditional fit for tapping equity in a non-owner-occupied rental property. Two of seven platforms named Spring EQ during the ranking stage (anthropic, deepseek), and it finished 10th overall with an average listed rank of 4.5. The strongest reason to consider it: Spring EQ is one of the few national lenders whose published materials expressly accommodate investment-property borrowing, with potential CLTV up to 80% and program limits up to $500,000 per line . The main limitation: platforms disagree sharply on whether the flagship HELOC is even available for rentals,…","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"}}