RAG Test Results — openai/gpt-4o — 2026-03-26 20:56

Instance: fundloans-guidelines-search Model: openai/gpt-4o Mode: Chat Completions Result: 0/22 passed (0%)

Summary

#	ID	Result	Source Found	Score	Question
1	apex-oo-1	ERROR	No	—	What is the maximum LTV for a purchase on an Apex Alt Doc loan with 740 FICO, ow
2	apex-oo-2	ERROR	No	—	Can I get a cash-out refinance under Apex with a 660 FICO score and a $1.2 milli
3	apex-inv-1	ERROR	No	—	What are the LTV limits for an Apex investor loan with 700 FICO and $2.3 million
4	apex-pnl-1	ERROR	No	—	What LTV can I get on an Apex P&L Only loan for $1.8 million with 720 FICO, owne
5	apex-jumbo-1	ERROR	No	—	What are the Apex super jumbo LTV limits for a $4.5 million loan with 760 FICO,
6	montage-oo-1	ERROR	No	—	What is the max LTV for a Montage Full Doc purchase loan, 720 FICO, $900K, prima
7	montage-inv-1	ERROR	No	—	What are the Montage investment property LTV limits for a $1.3 million loan with
8	spectrum-1	ERROR	No	—	What is the maximum LTV for a Spectrum DSCR loan with 700 FICO, $1.2 million pur
9	spectrum-noratio-1	ERROR	No	—	Can I get a no-ratio DSCR loan under Spectrum with 720 FICO for $1.3 million? Wh
10	spectrum-fn-1	ERROR	No	—	What are the LTV limits for a foreign national borrower under the Spectrum DSCR
11	reserves-1	ERROR	No	—	How many months of reserves are required for a $600,000 Apex loan?
12	reserves-inv-1	ERROR	No	—	What are the reserve requirements for a first-time investor under Apex?
13	cashout-1	ERROR	No	—	What is the maximum cash-out amount if my LTV is 65%?
14	fico-min-1	ERROR	No	—	What is the minimum FICO score for any FundLoans loan program?
15	max-loan-1	ERROR	No	—	What is the maximum loan amount FundLoans will fund?
16	min-loan-1	ERROR	No	—	What is the minimum loan amount for a Spectrum DSCR loan?
17	borrower-1	ERROR	No	—	Are foreign nationals eligible for FundLoans programs?
18	housing-1	ERROR	No	—	What is the minimum housing history requirement for FundLoans?
19	dti-1	ERROR	No	—	What is the maximum DTI ratio allowed under FundLoans programs?
20	edge-boundary-1	ERROR	No	—	I have a 680 FICO and want a $2 million Apex investment loan. What is my max LTV
21	edge-na-1	ERROR	No	—	Can I get a cash-out refinance on a $2.8 million Apex investment property with 6
22	edge-casebycase-1	ERROR	No	—	What happens with Apex P&L Only loans over $3 million?

Detailed Results

apex-oo-1 — ERROR

Question: What is the maximum LTV for a purchase on an Apex Alt Doc loan with 740 FICO, owner occupied primary residence, loan amount $800,000?

Expected: 90% LTV

Error: Client error '400 Bad Request' for url 'https://api.cloudflare.com/client/v4/accounts/78c2ff4b863281b6ce4ba351c04527c8/ai-search/instances/fundloans-guidelines-search/chat/completions' For more information check: https://developer.mozilla.org/en-US/docs/Web/HTTP/Status/400 Tags: apex, owner-occ, ltv

apex-oo-2 — ERROR

Question: Can I get a cash-out refinance under Apex with a 660 FICO score and a $1.2 million loan amount on my primary residence?

Expected: 75% max LTV for cash out

apex-inv-1 — ERROR

Question: What are the LTV limits for an Apex investor loan with 700 FICO and $2.3 million loan amount?

Expected: 75% purchase/RT refi, 65% cash out

apex-pnl-1 — ERROR

Question: What LTV can I get on an Apex P&L Only loan for $1.8 million with 720 FICO, owner occupied?

Expected: 75% purchase/RT refi, 65% cash out

apex-jumbo-1 — ERROR

Question: What are the Apex super jumbo LTV limits for a $4.5 million loan with 760 FICO, owner occupied?

Expected: 65% purchase, 60% RT refi, 55% cash out

montage-oo-1 — ERROR

Question: What is the max LTV for a Montage Full Doc purchase loan, 720 FICO, $900K, primary residence?

Expected: 85% LTV

montage-inv-1 — ERROR

Question: What are the Montage investment property LTV limits for a $1.3 million loan with 680 FICO?

Expected: 80% purchase/RT refi, 70% cash out

spectrum-1 — ERROR

Question: What is the maximum LTV for a Spectrum DSCR loan with 700 FICO, $1.2 million purchase, DSCR >= 1.00?

Expected: 75% purchase

spectrum-noratio-1 — ERROR

Question: Can I get a no-ratio DSCR loan under Spectrum with 720 FICO for $1.3 million? What are the LTV limits?

Expected: 65% purchase, 65% rate/term, 60% cash out

spectrum-fn-1 — ERROR

Question: What are the LTV limits for a foreign national borrower under the Spectrum DSCR program?

Expected: 65% purchase, 65% rate/term, 60% cash out for loans up to $1.5MM

reserves-1 — ERROR

Question: How many months of reserves are required for a $600,000 Apex loan?

Expected: 6 months (>$500k-$1.5MM tier)

reserves-inv-1 — ERROR

Question: What are the reserve requirements for a first-time investor under Apex?

Expected: 12 months

cashout-1 — ERROR

Question: What is the maximum cash-out amount if my LTV is 65%?

Expected: $1.5MM (over 60% LTV cap is $1.5MM)

fico-min-1 — ERROR

Question: What is the minimum FICO score for any FundLoans loan program?

Expected: 660 for Apex and Montage, 660 for Spectrum

max-loan-1 — ERROR

Question: What is the maximum loan amount FundLoans will fund?

Expected: $6,000,000

min-loan-1 — ERROR

Question: What is the minimum loan amount for a Spectrum DSCR loan?

Expected: $200,000 (Spectrum min is $200K vs $300K for Apex/Montage)

borrower-1 — ERROR

Question: Are foreign nationals eligible for FundLoans programs?

Expected: Only under the DSCR/Spectrum program

housing-1 — ERROR

Question: What is the minimum housing history requirement for FundLoans?

Expected: 12 months minimum, 0x30x12 (no 30-day lates in 12 months)

dti-1 — ERROR

Question: What is the maximum DTI ratio allowed under FundLoans programs?

Expected: 50% max DTI

edge-boundary-1 — ERROR

Question: I have a 680 FICO and want a $2 million Apex investment loan. What is my max LTV for a purchase?

Expected: 75% (>$1.5MM to $2MM tier, 680 FICO row) for purchase/RT refi

edge-na-1 — ERROR

Question: Can I get a cash-out refinance on a $2.8 million Apex investment property with 680 FICO?

Expected: Not eligible (N/A) — cash out not available at that FICO/loan amount combination

edge-casebycase-1 — ERROR

Question: What happens with Apex P&L Only loans over $3 million?

Expected: Case-by-case review required; all loans >$4MM require prior submission review

Pass Rate by Category

Tag	Pass Rate	Passed/Total
apex	0%	0/8
owner-occ	0%	0/3
ltv	0%	0/9
cashout	0%	0/2
investor	0%	0/3
pnl	0%	0/1
super-jumbo	0%	0/1
montage	0%	0/2
spectrum	0%	0/4
dscr	0%	0/1
no-ratio	0%	0/1
foreign-national	0%	0/2
reserves	0%	0/2
fico	0%	0/1
eligibility	0%	0/2
loan-amount	0%	0/2
credit	0%	0/1
housing	0%	0/1
dti	0%	0/1
edge-case	0%	0/3
boundary	0%	0/1
not-eligible	0%	0/1
case-by-case	0%	0/1