{"buyer_scenarios":[{"fit":"best_suited","scenario":"Borrowers whose condo fails agency rules because of investor concentration, pending litigation, insufficient reserves, commercial-space concerns, or similar project-level issues ."},{"fit":"best_suited","scenario":"Self-employed borrowers who may benefit from Bank Statement or P&L-only underwriting (, -1, )."},{"fit":"best_suited","scenario":"Borrowers seeking rate-term or cash-out refinance through a non-QM or portfolio-style program (, -2)."},{"fit":"best_suited","scenario":"Investment-property owners who may qualify through an Investor Cash Flow/DSCR program, subject to program restrictions (, -1, )."},{"fit":"not_best_suited","scenario":"A borrower who qualifies for a conventional agency refinance and is primarily seeking the lowest possible rate and fees (, -3)."},{"fit":"not_best_suited","scenario":"A borrower needing a HELOC or closed-end second lien secured by a non-warrantable condo; Angel Oak states those products are not eligible for non-warrantable condos (, grok:)."},{"fit":"not_best_suited","scenario":"A borrower whose HOA cannot provide the required questionnaire, project approval, insurance, budget, reserve, or litigation information (, -5)."},{"fit":"not_best_suited","scenario":"A borrower requiring transparent public pricing before submitting a complete application (, -3, )."}],"citations":{"source_mix":{"company_owned":19,"independent":17,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":4},"total_sources":36,"unique_domain_count":18},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Refinance Lenders for Non-Warrantable Condos","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok"],"predicate":"final_consensus_rank","qualifier":"Refinancing a condo that fails standard warrantability rules","subject":"Angel Oak Mortgage Solutions","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":4}],"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":7,"name":"Angel Oak Mortgage Solutions","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/non-warrantable-condo-refinance/angel-oak-mortgage-solutions.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/non-warrantable-condo-refinance/angel-oak-mortgage-solutions","report_type":"fit_review","study_id":"MCI-STUDY-181B7C49DDA8","title":"Angel Oak Mortgage Solutions Review for Non-Warrantable Condos"},"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.","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":"2026-09-29 16:56:03.34765+00","research_date":"2026-09-29","source_snapshot_sha256":"f138acaa23c067f7cf5b6744091b42408f63f626590d80cca1e0734cf8a63e65","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":33,"qualified_finalists":9,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Angel Oak Mortgage Solutions is a good fit for refinancing a condo that fails standard warrantability rules, according to the platforms that evaluated it. Two of six platforms named Angel Oak during the ranking stage, giving it a 33.3% share of included platform responses, an average listed rank of 4.0, and a best listed rank of 2. The strongest reason to consider it is explicit, advertised non-warrantable condo eligibility across multiple non-agency programs, including Bank Statement, Portfolio Select, Asset Qualifier, and DSCR (, -1, grok:, , , ). The main limitation is that Angel Oak does…","target_buyer":"A condo owner whose building does not meet standard agency warrantability requirements and needs a specialized refinance option.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["non-warrantable condo lending expertise","portfolio loan availability","rate premium for non-warrantable status","HOA documentation requirements"],"geography":"United States","slug":"best-refinance-lenders-for-non-warrantable-condos","title":"Best Refinance Lenders for Non-Warrantable Condos","use_case":"Refinancing a condo that fails standard warrantability rules"}}