{"citations":{"source_mix":{"company_owned":14,"independent":12,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":19,"partial":8},"total_sources":27,"unique_domain_count":12},"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","perplexity"],"predicate":"final_consensus_rank","qualifier":"DSCR loan for low credit score investor","subject":"RCN Capital","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"RCN Capital","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-30","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"RCN Capital","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"RCN Capital","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-30","platform_support":["openai","grok","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"RCN Capital","unit":"platforms","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-30","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"RCN Capital","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"RCN 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/rcn-capital.json","page_url":"https://mortgageconsensusindex.com/investment-property-and-non-qm-mortgage-lenders/dscr-loan-low-credit-score/rcn-capital","report_type":"fit_review","study_id":"MCI-STUDY-5FCD1129EBE9","title":"RCN 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.","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 04:08:00.299428+00","research_date":"2026-09-30","source_snapshot_sha256":"ad21c8576e32eebd5d0ca7357d6d3324f9fc3c4e7b27dd39f36a81a357d96be7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Non-QM or investment property lender"},"schema_version":4,"summary":"RCN Capital is a weak fit for a DSCR loan for low credit score investor. Only 2 of 7 platforms named RCN Capital during the ranking stage, and its published Long-Term Rental DSCR minimum FICO is 660, which excludes most borrowers in the low 600s or below. The strongest reason to consider RCN Capital is its property-cash-flow underwriting: DSCR loans qualify on rental income rather than personal income documentation, and RCN publishes a DSCR floor near 1.00. The main limitation is the credit floor itself, plus conflicting public information on whether the minimum is 620, 650, 660, or 680, and…","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"}}