{"citations":{"source_mix":{"company_owned":27,"independent":12,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":3},"total_sources":39,"unique_domain_count":16},"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 Loan Lenders for Investors with Low Credit Scores","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-30","platform_support":["google","grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"DSCR loan for low credit score investor","subject":"A&D Mortgage","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-30","platform_support":["google","grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"A&D Mortgage","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"A&D Mortgage","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-30","platform_support":["openai","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"A&D Mortgage","unit":"platforms","value":4},{"claim_id":"claim-006","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":3.3333333333333335,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"A&D Mortgage","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/investment-property-and-non-qm-mortgage-lenders/dscr-loan-low-credit-score/a-d-mortgage.json","page_url":"https://mortgageconsensusindex.com/investment-property-and-non-qm-mortgage-lenders/dscr-loan-low-credit-score/a-d-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-E60EC264596B","title":"A&D Mortgage Review for Investors with Low Credit Scores"},"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.","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 03:41:24.670622+00","research_date":"2026-09-30","source_snapshot_sha256":"88b90a9a4422af62b6be06f7b5b3da75408aa86b3a162f0327af83acc7384c40","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Non-QM or investment property lender"},"schema_version":4,"summary":"A&D Mortgage is a mixed fit for a DSCR loan for low credit score investor. Three of seven platforms named it during ranking discovery (google, grok, perplexity), and its published DSCR materials show a 620 minimum FICO with cash-flow qualification rather than employment income . The strongest reason to consider it is that 620 floor, which can accommodate some investors in the low 600s. The main limitation is that scores below 620 are not supported by the published standard program, and DSCR below 1.00 requires a 680 FICO (, grok:). Rate premiums and leverage reductions for 620–659 credit are…","target_buyer":"An investor with a credit score in the low 600s or below who wants to qualify for rental property financing based on cash flow despite their credit history.","topic":{"base_category":"Investment Property and Non-QM Mortgage Lenders","category_criteria":["minimum credit score accepted","rate premium for low credit","leverage reduction for low credit tiers","compensating factor flexibility","approval speed"],"geography":"United States","slug":"best-dscr-loan-lenders-for-investors-with-low-credit-scores","title":"Best DSCR Loan Lenders for Investors with Low Credit Scores","use_case":"DSCR loan for low credit score investor"}}