{"citations":{"source_mix":{"company_owned":19,"independent":20,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":8},"total_sources":39,"unique_domain_count":23},"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","google","grok"],"predicate":"final_consensus_rank","qualifier":"Tapping equity in a non-owner-occupied rental property","subject":"TD Bank","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"TD Bank","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"TD Bank","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"TD Bank","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":"TD Bank","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.25,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"TD Bank","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/investment-rental-property-heloc/td-bank.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/investment-rental-property-heloc/td-bank","report_type":"fit_review","study_id":"MCI-STUDY-94FE538C82F4","title":"TD Bank 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.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","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 19:31:41.427155+00","research_date":"2026-09-29","source_snapshot_sha256":"6e3a77ad7e1d0c86597ed2cea30945e0b0c020781907ac684636e21362308724","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":38,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"TD Bank is a mixed fit for tapping equity in a non-owner-occupied rental property. Four of the seven platforms in this study named TD Bank during the ranking stage, and it finished first overall with an average listed rank of 5.25 and a best rank of 2. The strongest reason to consider it: TD publicly lists investment-property HELOC pricing and offers a revolving line with a reported 10-year draw and 20-year repayment period. The main limitation: TD does not publicly disclose a rental-property maximum CLTV, a numeric non-owner-occupied rate premium, or portfolio-lending terms, so buyers must…","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"}}