{"citations":{"source_mix":{"company_owned":53,"independent":0,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":41,"partial":12},"total_sources":53,"unique_domain_count":7},"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":["anthropic","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"bank statement loan for self-employed rental purchase","subject":"Mbanc","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mbanc","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Mbanc","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-30","platform_support":["perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mbanc","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-30","platform_support":["openai"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Mbanc","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-30","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Mbanc","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Mbanc","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/investment-property-and-non-qm-mortgage-lenders/bank-statement-loan-self-employed-investor/mbanc.json","page_url":"https://mortgageconsensusindex.com/investment-property-and-non-qm-mortgage-lenders/bank-statement-loan-self-employed-investor/mbanc","report_type":"fit_review","study_id":"MCI-STUDY-601A17FD995C","title":"Mbanc 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.","No deduplicated independent citation was supplied; clearly identify the evidence base as company-owned or platform-reported.","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 02:52:09.348838+00","research_date":"2026-09-30","source_snapshot_sha256":"a5ad1478092bbb072487037186a930c6e1a31dd4263ddaf2539fc4cbb5b36ce5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":28,"qualified_finalists":10,"ranking_unit":"Non-QM or investment property lender"},"schema_version":4,"summary":"Mbanc is a plausible but not clearly strong fit for a self-employed investor who wants to buy a rental property using bank statement qualification. Three of the seven platforms that evaluated fit named Mbanc during ranking discovery, at an average listed rank of 4.0. The strongest reason to consider it: Mbanc publicly accepts 12- or 24-month personal or business bank statements and calculates qualifying income from deposits rather than tax returns (, -1). The main limitation: the reviewed public materials do not clearly publish investment-property maximum LTV, loan limits, reserves, or…","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"}}