{"citations":{"source_mix":{"company_owned":28,"independent":9,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":31,"partial":5},"total_sources":37,"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 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":["anthropic","deepseek","google","grok","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"DSCR cash-out refinance for rental equity","subject":"Kiavi","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","deepseek","google","grok","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Kiavi","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-30","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Kiavi","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-30","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Kiavi","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-30","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Kiavi","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6666666666666665,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Kiavi","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/investment-property-and-non-qm-mortgage-lenders/dscr-cash-out-refinance-rental-equity/kiavi.json","page_url":"https://mortgageconsensusindex.com/investment-property-and-non-qm-mortgage-lenders/dscr-cash-out-refinance-rental-equity/kiavi","report_type":"fit_review","study_id":"MCI-STUDY-2EFD6A152C56","title":"Kiavi 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.","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 03:58:17.97619+00","research_date":"2026-09-30","source_snapshot_sha256":"80a0a037258d8019d947570a3c4d00d6a7448565fcf64aadd97c19ad7dcc2dd6","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":8,"ranking_unit":"Non-QM or investment property lender"},"schema_version":4,"summary":"Kiavi is a good fit for DSCR cash-out refinance for rental equity, especially for BRRRR investors and landlords who want to qualify on property cash flow rather than personal income. Six of seven platforms named Kiavi during the ranking stage, and it finished first overall. The strongest reason to consider it is a publicly advertised 90-day cash-out seasoning path plus up to 80% LTV marketing and DSCR qualification. The main limitation is disclosure: cash-out-specific maximum LTV, minimum DSCR, the cash-out rate premium versus rate-and-term, reserve requirements, and a guaranteed closing…","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"}}