{"buyer_scenarios":[{"fit":"best_suited","scenario":"Borrowers seeking a national lender with FHA and conventional owner-occupied 2-4 unit options (openai:ccmhometypes)."},{"fit":"best_suited","scenario":"Buyers needing a low-down-payment route, including potentially 3.5% FHA, 5% conventional, or CCM ZeroDown if eligible (openai:ccmbooklet2026, openai:ccmfannie5down, openai:ccmzerodown)."},{"fit":"best_suited","scenario":"Eligible veterans considering owner-occupied multi-unit VA financing (openai:ccmva, openai:vamultiunithandbook)."},{"fit":"best_suited","scenario":"House hackers who want a lender that explicitly discusses duplex, triplex, and fourplex primary-residence purchases ."},{"fit":"not_best_suited","scenario":"Borrowers needing fully transparent, property-specific pricing and fees before submitting an application (openai:ccmdisclosures)."},{"fit":"not_best_suited","scenario":"Borrowers whose qualification depends on unusually flexible rental-income treatment or nonstandard reserves (openai:ccmhometypes)."},{"fit":"not_best_suited","scenario":"Investors seeking a pure non-owner-occupied multi-unit loan. CrossCountry's Signature Expanded Investor Cash Flow loan is directed at investment-property financing and generally cites higher down-payment expectations;…"},{"fit":"not_best_suited","scenario":"Buyers who need a lender with a public, dedicated house-hacking or 2-4 unit product page. DeepSeek's response states no dedicated public product page for owner-occupied 2-4 unit purchase loans was located…"}],"citations":{"source_mix":{"company_owned":38,"independent":23,"unclear":5},"sources_referenced_by_questions":0,"support_mix":{"direct":38,"partial":5},"total_sources":66,"unique_domain_count":39},"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 Mortgage Lenders for Multi-Unit Owner-Occupied Purchase (2-4 Units)","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"owner-occupied multi-unit purchase","subject":"CrossCountry Mortgage","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"CrossCountry Mortgage","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"CrossCountry Mortgage","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"CrossCountry Mortgage","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"CrossCountry Mortgage","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6666666666666665,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"CrossCountry Mortgage","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/crosscountry-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/crosscountry-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-8BAF73EF09C9","title":"CrossCountry Mortgage Review for Multi-Unit Owner-Occupied Purchase (2-4 Units)"},"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 12:59:27.632643+00","research_date":"2026-09-29","source_snapshot_sha256":"7580d8fcb35c4c1e74c9b267f538468b5db6133bdf21b075e2807e8f886a8c74","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":9,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"CrossCountry Mortgage is a good fit for an owner-occupant buying a duplex, triplex, or fourplex, with verification required. Six of seven platforms named it during the ranking stage (86% of included platform responses), at an average listed rank of 3.7 and a best rank of 1. Its strongest advantage is breadth of documented program paths: FHA 2-4 unit, conventional Fannie Mae 5% down multifamily, VA, and the CCM ZeroDown second-lien structure (openai:ccmbooklet2026, openai:ccmfannie5down, openai:ccmzerodown). The main limitation is transparency: CrossCountry publishes no borrower-specific…","target_buyer":"A buyer purchasing a duplex, triplex, or fourplex to live in one unit while renting out the others.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["multi-unit owner-occupied program availability","rental income qualification treatment","FHA and conventional multi-unit limits","reserve requirements","down payment options for multi-unit"],"geography":"United States","slug":"best-mortgage-lenders-for-multi-unit-owner-occupied-purchase-2-4-units","title":"Best Mortgage Lenders for Multi-Unit Owner-Occupied Purchase (2-4 Units)","use_case":"owner-occupied multi-unit purchase"}}