{"citations":{"source_mix":{"company_owned":22,"independent":8,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":4},"total_sources":31,"unique_domain_count":13},"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":["grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"DSCR loan for low credit score investor","subject":"Harpoon Capital","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-30","platform_support":["grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Harpoon Capital","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Harpoon Capital","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-30","platform_support":["openai"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Harpoon Capital","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-30","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Harpoon Capital","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Harpoon Capital","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/harpoon-capital.json","page_url":"https://mortgageconsensusindex.com/investment-property-and-non-qm-mortgage-lenders/dscr-loan-low-credit-score/harpoon-capital","report_type":"fit_review","study_id":"MCI-STUDY-473D62385742","title":"Harpoon Capital 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.","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 03:59:28.717579+00","research_date":"2026-09-30","source_snapshot_sha256":"1531b7b6413278af6532c59cce50541042a72d83ed72163dca26b02e2059bbde","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Non-QM or investment property lender"},"schema_version":4,"summary":"Harpoon Capital is a mixed fit for a DSCR loan for low credit score investor. Two of the seven platforms in this study named Harpoon Capital during the ranking stage, and those two placed it at an average rank of 3.5. The strongest reason to consider it is a published 600 minimum FICO on its main DSCR page plus advertised no-minimum-DSCR flexibility, which directly addresses a low-600s borrower with a cash-flowing rental. The main limitation is that Harpoon is a mortgage brokerage, not the funding lender, and it publishes no low-credit rate premium, no credit-tier LTV matrix, and no…","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"}}