{"citations":{"source_mix":{"company_owned":31,"independent":24,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":5},"total_sources":56,"unique_domain_count":29},"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","deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"owner-occupied multi-unit purchase","subject":"FHA 203(b) 2-4 Unit Program (administered by HUD-approved lenders)","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"FHA 203(b) 2-4 Unit Program (administered by HUD-approved lenders)","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"FHA 203(b) 2-4 Unit Program (administered by HUD-approved lenders)","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"FHA 203(b) 2-4 Unit Program (administered by HUD-approved lenders)","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.333333333333333,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"FHA 203(b) 2-4 Unit Program (administered by HUD-approved lenders)","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/fha-203-b-2-4-unit-program-administered-by-hud-approved-lenders.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/fha-203-b-2-4-unit-program-administered-by-hud-approved-lenders","report_type":"fit_review","study_id":"MCI-STUDY-5C4E848F6924","title":"FHA 203(b) 2-4 Unit Program (administered by HUD-approved 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.","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.","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 13:07:33.74579+00","research_date":"2026-09-29","source_snapshot_sha256":"dba2b65e45710f3a433f938d261b0f7a68e759227bb20adceddf144a3e1d9831","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":9,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"The FHA 203(b) 2-4 Unit Program is a strong fit for an owner-occupant buying a duplex, triplex, or fourplex with limited cash, provided the property stays within county FHA limits and meets FHA property standards. Three of the seven platforms that evaluated fit named this program during the ranking stage. Its strongest advantage is a minimum required investment generally starting at 3.5% of adjusted value combined with rental-income qualification rules. The main limitation is cost and constraint stacking: upfront and ongoing mortgage insurance, county loan limits, post-closing reserves for…","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"}}