{"citations":{"source_mix":{"company_owned":27,"independent":13,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":7},"total_sources":40,"unique_domain_count":14},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best DSCR Loan Lenders for Investment Property Purchase","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","google","grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"DSCR purchase loan for rental property","subject":"Kiavi","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","google","grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Kiavi","unit":"platforms","value":4},{"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","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Kiavi","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Kiavi","platform_mentions":4,"platform_share":0.6666666666666666}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/investment-property-and-non-qm-mortgage-lenders/dscr-purchase-loan-rental-property/kiavi.json","page_url":"https://mortgageconsensusindex.com/investment-property-and-non-qm-mortgage-lenders/dscr-purchase-loan-rental-property/kiavi","report_type":"fit_review","study_id":"MCI-STUDY-3381031A4777","title":"Kiavi Review for Investment Property Purchase"},"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.","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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","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 00:54:02.269216+00","research_date":"2026-09-30","source_snapshot_sha256":"edd12ba1d527ac23444f88ff282600ac56512d92d3bda4c154cbe44a3aa58d96","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":28,"qualified_finalists":8,"ranking_unit":"Non-QM or investment property lender"},"schema_version":4,"summary":"Kiavi is a good fit for a U.S. investor purchasing a non-owner-occupied rental property without W-2 income, based on the supplied research. Four of six platforms named Kiavi during the ranking stage, with an average listed rank of 2.0 and a best rank of 1. The strongest reason to consider it is asset-based DSCR underwriting: Kiavi qualifies on property cash flow rather than personal income, advertises up to 80% LTV, supports business-entity borrowing, and offers 30-year fixed, 5/1 ARM, 7/1 ARM, and interest-only structures . The main limitation is qualification uncertainty: Kiavi's public…","target_buyer":"A real estate investor without traditional W-2 income who needs to qualify for a rental property purchase based on the property's projected rental income rather than personal earnings.","topic":{"base_category":"Investment Property and Non-QM Mortgage Lenders","category_criteria":["minimum DSCR requirements","rate competitiveness","loan-to-value limits","closing speed","entity title flexibility","reserve requirements"],"geography":"United States","slug":"best-dscr-loan-lenders-for-investment-property-purchase","title":"Best DSCR Loan Lenders for Investment Property Purchase","use_case":"DSCR purchase loan for rental property"}}