{"citations":{"source_mix":{"company_owned":26,"independent":28,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":11},"total_sources":56,"unique_domain_count":28},"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":["anthropic","perplexity"],"predicate":"final_consensus_rank","qualifier":"owner-occupied multi-unit purchase","subject":"Fannie Mae HomeReady lenders","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Fannie Mae HomeReady lenders","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Fannie Mae HomeReady lenders","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Fannie Mae HomeReady lenders","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Fannie Mae HomeReady lenders","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/fannie-mae-homeready-lenders.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/fannie-mae-homeready-lenders","report_type":"fit_review","study_id":"MCI-STUDY-1A3319635C4A","title":"Fannie Mae HomeReady lenders 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.","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 13:11:39.585033+00","research_date":"2026-09-29","source_snapshot_sha256":"24bd1f93952705ebce04ae40596c54ff79cda6a3bb93c8395ecc79315affefe5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":9,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Fannie Mae HomeReady lenders are a good fit for an income-eligible buyer purchasing and occupying a duplex, triplex, or fourplex, particularly when documented rents are needed for qualification and the buyer wants conventional financing with potentially high leverage. Two of the seven platforms named Fannie Mae HomeReady lenders during the ranking stage, giving it a 28.6% share of included platform responses, an average listed rank of 1.5, and a best listed rank of 1. The strongest reason to consider it is that HomeReady expressly permits two- to four-unit principal residences, allows…","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"}}