{"citations":{"source_mix":{"company_owned":29,"independent":9,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":8},"total_sources":38,"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 Short-Term Rental and Airbnb Properties","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"DSCR loan for short-term rental Airbnb property","subject":"Ridge Street Capital","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ridge Street Capital","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-30","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Ridge Street Capital","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-30","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ridge Street Capital","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-30","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Ridge Street Capital","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6666666666666665,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Ridge Street Capital","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/investment-property-and-non-qm-mortgage-lenders/dscr-short-term-rental-airbnb-loan/ridge-street-capital.json","page_url":"https://mortgageconsensusindex.com/investment-property-and-non-qm-mortgage-lenders/dscr-short-term-rental-airbnb-loan/ridge-street-capital","report_type":"fit_review","study_id":"MCI-STUDY-C62E97EFC9DF","title":"Ridge Street Capital Review for Short-Term Rental and Airbnb Properties"},"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 03:05:44.689191+00","research_date":"2026-09-30","source_snapshot_sha256":"34bdaeff2fe10acd5b8df68bac8a310c69b26bc3472dc9f84e4b1dd270d3ca1c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":9,"ranking_unit":"Non-QM or investment property lender"},"schema_version":4,"summary":"Ridge Street Capital is a good fit for an investor buying a U.S. Airbnb or VRBO property who needs projected short-term rental income used for qualification, with material verification requirements. Three of seven platforms named it during the ranking stage (anthropic, google, perplexity), and its strongest case is a publicly marketed Airbnb DSCR program that accepts AirDNA-based projections, advertises up to 80% purchase LTV, and states no rental history is required. The main limitation is that most program detail is company-published: pricing, minimum loan amounts, state coverage,…","target_buyer":"An investor purchasing a property specifically to operate as a short-term or vacation rental on platforms like Airbnb or VRBO rather than lease to long-term tenants.","topic":{"base_category":"Investment Property and Non-QM Mortgage Lenders","category_criteria":["acceptance of short-term rental income projections","use of AirDNA or similar projected revenue data","leverage on STR properties","HOA and municipal restriction handling","rate competitiveness"],"geography":"United States","slug":"best-dscr-loan-lenders-for-short-term-rental-and-airbnb-properties","title":"Best DSCR Loan Lenders for Short-Term Rental and Airbnb Properties","use_case":"DSCR loan for short-term rental Airbnb property"}}