{"citations":{"source_mix":{"company_owned":15,"independent":22,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":13},"total_sources":38,"unique_domain_count":24},"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":["anthropic","google"],"predicate":"final_consensus_rank","qualifier":"DSCR loan for low credit score investor","subject":"Angel Oak Mortgage Solutions","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-30","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-30","platform_support":["deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-30","platform_support":["openai","anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.5,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Angel Oak Mortgage Solutions","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/investment-property-and-non-qm-mortgage-lenders/dscr-loan-low-credit-score/angel-oak-mortgage-solutions.json","page_url":"https://mortgageconsensusindex.com/investment-property-and-non-qm-mortgage-lenders/dscr-loan-low-credit-score/angel-oak-mortgage-solutions","report_type":"fit_review","study_id":"MCI-STUDY-687A2FCC33D8","title":"Angel Oak Mortgage Solutions 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.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","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 04:13:30.273303+00","research_date":"2026-09-30","source_snapshot_sha256":"fe0259281f80ddf837e4591715f006bad32e0a6f0e928f4fed71e2972c307d3c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Non-QM or investment property lender"},"schema_version":4,"summary":"Angel Oak Mortgage Solutions is a weak fit for a DSCR loan for a low credit score investor. Two of the seven platforms in this study named Angel Oak during the ranking stage, and both ranked it outside the top five (average rank 6.5). The strongest reason to consider it is that its Investor Cash Flow program qualifies borrowers on rental-property cash flow rather than personal income, and it markets DSCR below 1.00 and no-DSCR options . The main limitation is a published minimum FICO of 680 on the standard DSCR product, which excludes most low-600s borrowers; lower-score access appears…","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"}}