{"buyer_scenarios":[{"fit":"best_suited","scenario":"DSCR-dependent borrowers. Investors whose personal income, tax returns, or debt-to-income ratio would weaken a conventional refinance application (openai, anthropic)."},{"fit":"best_suited","scenario":"LLC borrowers. Investors holding rentals in an entity, since LLC origination is standard (anthropic:citation15)."},{"fit":"best_suited","scenario":"BRRRR and value-add investors. Borrowers exiting a hard money or bridge loan after renovation, where seasoning may be waived or reduced once the property is stabilized (anthropic:citation8, )."},{"fit":"best_suited","scenario":"Short-term rental operators. Airbnb and VRBO hosts, subject to property-specific eligibility and a 700 minimum FICO for short-term rentals or first-time investors (anthropic:citation22, )."},{"fit":"not_best_suited","scenario":"Borrowers needing more than 75% LTV on cash-out. The cap is consistent across platforms (anthropic:citation9, , grok:, )."},{"fit":"not_best_suited","scenario":"Borrowers with FICO below 660. The credit floor is strict, and a strong property cash flow does not override it (anthropic:citation22, )."},{"fit":"not_best_suited","scenario":"Properties below 1.0 DSCR. If rent cannot cover full monthly debt service, the property does not qualify under the published minimum (anthropic:citation17, )."},{"fit":"not_best_suited","scenario":"Borrowers who need a fully transparent, binding rate and fee schedule before submitting a scenario. Public pricing is broad and not individualized (openai, perplexity)."}],"citations":{"source_mix":{"company_owned":36,"independent":3,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":36,"partial":3},"total_sources":39,"unique_domain_count":8},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Refinance Lenders for Investment Property Mortgages","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing a non-owner-occupied rental property","subject":"Ridge Street Capital","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ridge Street Capital","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Ridge Street Capital","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Ridge Street Capital","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","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":4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Ridge Street Capital","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/investment-property-refinance/ridge-street-capital.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/investment-property-refinance/ridge-street-capital","report_type":"fit_review","study_id":"MCI-STUDY-CAA4DCB90820","title":"Ridge Street Capital Review for Investment Property Mortgages"},"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":"2026-09-29 15:29:01.765103+00","research_date":"2026-09-29","source_snapshot_sha256":"ae0c045ee90c33bd38759b9c0e5844e0837c34757cfd33a739577faf0fddb822","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":32,"qualified_finalists":7,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Ridge Street Capital is a good fit for refinancing a non-owner-occupied rental property when the borrower wants DSCR-based underwriting, cash-out up to 75% LTV, LLC vesting, and fast pre-approval. Two of seven platforms named it during the ranking stage, at an average listed rank of 4.0 and a best rank of 2. The strongest reason to consider it is its published DSCR cash-out program with a 1.0 minimum DSCR, 660 minimum FICO, and advertised two-business-hour term sheets. The main limitation is pricing and contract transparency: rates, fees, and prepayment terms are only partially disclosed,…","target_buyer":"A real estate investor or landlord who wants to refinance the mortgage on a non-owner-occupied rental property.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["investment property rate premiums","cash-out limits for rentals","DSCR loan availability","portfolio lender flexibility"],"geography":"United States","slug":"best-refinance-lenders-for-investment-property-mortgages","title":"Best Refinance Lenders for Investment Property Mortgages","use_case":"Refinancing a non-owner-occupied rental property"}}