{"citations":{"source_mix":{"company_owned":17,"independent":12,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":5},"total_sources":31,"unique_domain_count":16},"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","kimi"],"predicate":"final_consensus_rank","qualifier":"owner-occupied multi-unit purchase","subject":"Lumen Mortgage","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lumen Mortgage","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lumen Mortgage","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Lumen Mortgage","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":"Lumen Mortgage","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Lumen Mortgage","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/lumen-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/lumen-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-CAE284E69456","title":"Lumen 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 13:10:27.763479+00","research_date":"2026-09-29","source_snapshot_sha256":"a376f465b5000c3650f941fb8e7605dbad19a86d2b633e72f46e2a0f28744f66","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":9,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Lumen Mortgage is a good fit for an owner-occupant buying a duplex, triplex, or fourplex in Oregon or California, but it is not a verified nationwide option. Two of the seven platforms in this study named Lumen Mortgage during the ranking stage, and those two placed it at an average listed rank of 4.5 (best rank 1). Its strongest draw is explicit marketing of owner-occupied 2-4 unit conventional, FHA, and portfolio financing with rental income counted toward qualification . The main limitation is that lender-specific rental-income treatment, reserve overlays, fees, and the apparent 3.5%…","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"}}