{"citations":{"source_mix":{"company_owned":18,"independent":18,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":24,"partial":12},"total_sources":36,"unique_domain_count":20},"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 DSCR Cash-Out Refinance Lenders for Pulling Equity from Rental Properties","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-30","platform_support":["deepseek","google"],"predicate":"final_consensus_rank","qualifier":"DSCR cash-out refinance for rental equity","subject":"A&D Mortgage","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-30","platform_support":["deepseek","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"A&D Mortgage","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":"A&D Mortgage","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-30","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"A&D Mortgage","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-30","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"A&D Mortgage","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-30","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"A&D Mortgage","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"A&D Mortgage","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/investment-property-and-non-qm-mortgage-lenders/dscr-cash-out-refinance-rental-equity/a-d-mortgage.json","page_url":"https://mortgageconsensusindex.com/investment-property-and-non-qm-mortgage-lenders/dscr-cash-out-refinance-rental-equity/a-d-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-2E14E61DD2E6","title":"A&D Mortgage Review for Pulling Equity from Rental Properties"},"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.","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":"2026-09-30 04:12:30.357435+00","research_date":"2026-09-30","source_snapshot_sha256":"f80e72a0288581049dd0ca18cb2e60dc31f6a294a22e2cf60d8493c140e36d31","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":8,"ranking_unit":"Non-QM or investment property lender"},"schema_version":4,"summary":"A&D Mortgage is a good fit for a DSCR cash-out refinance on rental equity, but not a clear best-in-market choice without a written quote. Two of seven platforms named it during the ranking stage, at an average listed rank of 6.0 and a best rank of 4. Its strongest advantage is published cash-out leverage reaching 75% HCLTV for high-FICO borrowers on standard investment properties, with sub-1.00 DSCR options and LLC vesting. The main limitation is transparency: no public rate sheet, no published cash-out-versus-rate-term pricing spread, no confirmed title-seasoning rule, and no binding…","target_buyer":"An investor with an existing rental property who wants to refinance and pull out equity to fund additional acquisitions, qualifying on rental cash flow rather than personal income.","topic":{"base_category":"Investment Property and Non-QM Mortgage Lenders","category_criteria":["maximum cash-out LTV on DSCR refinance","seasoning requirements","rate on cash-out versus rate-term","DSCR minimum for cash-out","closing speed"],"geography":"United States","slug":"best-dscr-cash-out-refinance-lenders-for-pulling-equity-from-rental-properties","title":"Best DSCR Cash-Out Refinance Lenders for Pulling Equity from Rental Properties","use_case":"DSCR cash-out refinance for rental equity"}}