{"buyer_scenarios":[{"fit":"best_suited","scenario":"Borrowers seeking a national lender that publicly discusses owner-occupied multifamily or house-hack purchases ."},{"fit":"best_suited","scenario":"FHA borrowers prioritizing a potentially low down payment who will occupy one unit ."},{"fit":"best_suited","scenario":"Conventional borrowers whose property and finances satisfy agency rental-income and reserve rules ."},{"fit":"best_suited","scenario":"Veteran borrowers if New American Funding confirms current VA 2-4 unit origination in the subject state ."},{"fit":"not_best_suited","scenario":"Borrowers needing guaranteed access to a specialized 2-4 unit program, because current product availability and overlays are not clearly published (openai)."},{"fit":"not_best_suited","scenario":"Borrowers needing the lowest verified rate or lowest total cost without comparing written Loan Estimates (openai, )."},{"fit":"not_best_suited","scenario":"Buyers who require transparent, published multi-unit guidelines and pricing before contacting a lender (deepseek, kimi)."},{"fit":"not_best_suited","scenario":"Buyers needing rapid 15-day closings, since multi-unit files typically require additional documentation and reserve verification (anthropic)."}],"citations":{"source_mix":{"company_owned":18,"independent":31,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":44,"partial":4},"total_sources":49,"unique_domain_count":32},"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"],"predicate":"final_consensus_rank","qualifier":"owner-occupied multi-unit purchase","subject":"New American Funding","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"New American Funding","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"New American Funding","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"New American Funding","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"New American Funding","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"New American Funding","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/new-american-funding.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/new-american-funding","report_type":"fit_review","study_id":"MCI-STUDY-FA18F3F69651","title":"New American Funding 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.","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 13:12:58.007281+00","research_date":"2026-09-29","source_snapshot_sha256":"595a104145601c406bca1da65c519450642dd7cf4d1c7a8a658331262fad9c8c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":9,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"New American Funding is a good, but not fully verified, fit for an owner-occupied duplex, triplex, or fourplex. Two of the seven platforms in this study named it during the ranking stage, and it finished ninth overall. Its strongest asset is that its own public materials directly address buying a multifamily property while living in one unit and renting the others, and it publicly offers FHA, conventional, and VA programs that can apply to 2-4 unit primary residences . The main limitation is disclosure: New American Funding does not publish its multi-unit reserve overlays, rental-income…","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"}}