{"citations":{"source_mix":{"company_owned":25,"independent":18,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":5},"total_sources":43,"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 Self-Employed Borrowers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Better.com","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Better.com","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":"Better.com","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":"Better.com","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":"Better.com","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Better.com","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/self-employed-income-documentation/better-com.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/self-employed-income-documentation/better-com","report_type":"fit_review","study_id":"MCI-STUDY-C65CE9CA82B0","title":"Better.com Review for Self-Employed Borrowers"},"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 17:58:14.340255+00","research_date":"2026-09-29","source_snapshot_sha256":"c80ce80d663078637e62e67b03d9e362a36a86b67faa70a02a9a753c82ba00e2","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Better.com is a good fit — not a unanimous best fit — for self-employed income documentation in a HELOC application. Two of seven platforms named Better.com during the ranking stage, and both ranked it first, but the seven fit evaluations split three \"strong,\" two \"good,\" and two \"uncertain.\" The strongest reason to consider it is the Bank Statement HELOC, which uses 12 or 24 months of personal or business bank statements instead of tax returns, P&Ls, or W-2s . The main limitation is a mandatory initial draw of at least $50,000 or 75% of the credit limit, whichever is greater .","target_buyer":"A self-employed homeowner or small business owner whose income does not fit standard W-2 documentation requirements for a home equity line.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["alternative income documentation options","bank statement or asset-based underwriting","approval speed","rate impact of non-W2 income"],"geography":"United States","slug":"best-heloc-lenders-for-self-employed-borrowers","title":"Best HELOC Lenders for Self-Employed Borrowers","use_case":"Self-employed income documentation for HELOC approval"}}