{"citations":{"source_mix":{"company_owned":22,"independent":7,"unclear":9},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":8},"total_sources":38,"unique_domain_count":15},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Bank Statement Loan Lenders for Self-Employed Investors Buying Rental Property","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-30","platform_support":["google","openai"],"predicate":"final_consensus_rank","qualifier":"bank statement loan for self-employed rental purchase","subject":"Acra Lending","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-30","platform_support":["google","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Acra Lending","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-30","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Acra Lending","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-30","platform_support":["openai","anthropic","deepseek","grok"],"predicate":"fit_rating_count","qualifier":"good","subject":"Acra Lending","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-30","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Acra Lending","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-30","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Acra Lending","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Acra Lending","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/investment-property-and-non-qm-mortgage-lenders/bank-statement-loan-self-employed-investor/acra-lending.json","page_url":"https://mortgageconsensusindex.com/investment-property-and-non-qm-mortgage-lenders/bank-statement-loan-self-employed-investor/acra-lending","report_type":"fit_review","study_id":"MCI-STUDY-639267A3D40D","title":"Acra Lending Review for Self-Employed Investors Buying Rental Property"},"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":"2026-09-30 03:04:01.752901+00","research_date":"2026-09-30","source_snapshot_sha256":"90064a67fff987431d0bcd22890e217f9e99cf34d5e0335fde7543997311acd6","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":28,"qualified_finalists":10,"ranking_unit":"Non-QM or investment property lender"},"schema_version":4,"summary":"Acra Lending is a good — not fully transparent — fit for a self-employed investor who wants to buy a rental property using bank statement deposits instead of tax returns or DSCR rental projections. Two of the seven platforms in the ranking stage named Acra Lending, at ranks 4 (Google) and 5 (OpenAI), for an average listed rank of 4.5. The strongest reason to consider it is a purpose-built 12-month bank statement program that accepts personal or business statements and advertises up to 90% purchase LTV. The main limitation is transparency: borrower-specific rates, investment-property LTV…","target_buyer":"A self-employed investor expanding a rental portfolio who wants to qualify using bank account deposits rather than DSCR-based rental projections or W-2 income.","topic":{"base_category":"Investment Property and Non-QM Mortgage Lenders","category_criteria":["bank statement qualification methodology","number of months required","leverage available on investment property","rate competitiveness","business versus personal statement acceptance"],"geography":"United States","slug":"best-bank-statement-loan-lenders-for-self-employed-investors-buying-rental-property","title":"Best Bank Statement Loan Lenders for Self-Employed Investors Buying Rental Property","use_case":"bank statement loan for self-employed rental purchase"}}