Background Check & Safety Flow
Tiered verification escalates with risk level. Browsing is open; in-person contact requires full verification. Both buyers and sellers are verified before any physical interaction.
Progressive Verification Tiers
Buyer vs. Seller Verification (Side by Side)
Buyer Verification
Seller Verification
Safety Features During Showings
GPS Tracking
Opt-in GPS tracking during all in-person showings. Location shared with emergency contact and AdHome monitoring.
Check-In / Check-Out
Buyer and seller confirm arrival and departure. Missed check-out triggers automated wellness check within 15 minutes.
Emergency Protocol
In-app emergency button contacts 911 with location. Simultaneously notifies AdHome safety team and emergency contacts.
Real-Time Monitoring
When AdHome contractor is present: live status updates, showing duration tracking, post-showing safety confirmation.
Photo ID Match at Door
For contractor-assisted showings: agent verifies visitor's face matches uploaded ID before entry. No match = no access.
Showing History Audit
Complete log of every showing: who, when, duration, check-in/out times. Available to both parties and law enforcement if needed.
Go-to-Market Timeline
Month-by-month milestones from April 2026 through Year 2, with key decision gates, system launches, and funding milestones.
Year 1: Foundation to Bay Area Launch (April 2026 -- March 2027)
Year 2: California Scale (April 2027 -- March 2028)
LA Metro Launch
- Property Scan & Appraisal live (appraiser partnerships)
- Digital twin / Home Ownership Lifecycle
- 7-language multilingual support
- 100+ cumulative transactions
- Series A fundraising begins
Target: $50K+ MRR
San Diego Launch
- Lending marketplace live (RESPA-compliant)
- Vendor network launched
- Embedded insurance active
- 250+ cumulative transactions
- Engineering team: 8-10 people
Target: $100K+ MRR
Sacramento Launch
- Series A closed ($8-15M)
- Investment property support
- Advanced AI negotiation (learned strategies)
- 500+ cumulative transactions
- AI task completion: 85%+
Target: $150K+ MRR
Orange County Launch
- Data-as-a-Service product launched
- 750+ cumulative transactions
- First fully AI-managed transactions
- Statewide coverage plan finalized
- Out-of-state expansion evaluation
Target: $200K+ MRR (~$2.5M ARR)
Key Decision Gates
Funding Trajectory
Fee Structure Flow
How pricing works for sellers and buyers at every price point. Hybrid flat fee model with optional add-on services -- massive savings vs. traditional agents.
Transaction Tiers
Essentials
flat fee per party
- AI-guided listing + property scan
- AI appraisal + virtual showing
- Search & matching
- AI negotiation (3-agent architecture)
- Term sheet + purchase agreement
- Document management
- Multilingual support
Complete
flat fee per party
- Everything in Essentials
- Embedded lending marketplace
- Title & escrow coordination
- Inspection coordination + vendor scheduling
- Repair negotiation AI
- Closing document preparation
- Wire fraud prevention
Premium
flat fee per party
- Everything in Complete
- Dedicated human transaction coordinator
- Priority vendor scheduling
- Monte Carlo negotiation simulations
- First year HomeBase subscription included
Seller Fee Schedule by Price Bracket
| Price Bracket | AdHome Fee | Traditional (2.5%) | Dollar Savings | % Savings |
|---|---|---|---|---|
| Under $500K | $995 | $12,500 | $10,005 | 80% |
| $500K - $750K | $995 | $15,625 | $12,130 | 78% |
| $750K - $1M | $995 | $21,875 | $17,380 | 79% |
| $1M - $1.5M | $995 | $31,250 | $25,255 | 81% |
| $1.5M - $2M | $1,995 | $43,750 | $36,255 | 83% |
| $2M - $3M | $1,995 | $62,500 | $52,505 | 84% |
| $3M+ | $1,995 | $75,000+ | $62,005+ | 83%+ |
Buyer Fee Schedule by Price Bracket
| Price Bracket | AdHome Fee | Traditional (2.5%) | Dollar Savings | % Savings |
|---|---|---|---|---|
| Under $500K | FREE | $12,500 | $12,500 | 84% |
| $500K - $750K | FREE | $15,625 | $15,625 | 81% |
| $750K - $1M | $3,995 | $21,875 | $17,880 | 82% |
| $1M - $1.5M | FREE | $31,250 | $31,250 | 84% |
| $1.5M - $2M | $995 | $43,750 | $37,755 | 86% |
| $2M - $3M | FREE | $62,500 | $62,500 | 87% |
| $3M+ | $1,995 | $75,000+ | $65,005+ | 87%+ |
Savings at Key Bay Area Price Points
Add-On Services
Platform Evolution
How AdHome capability grows from MVP through full autonomy -- what humans handle in each phase versus what AI handles, and the learning progression that drives the transition.
Three-Phase Capability Growth
Months 1-6 (Apr-Sep 2026)
- Identity & onboarding
- AI agent core (3-agent architecture)
- Basic listing creation
- Buyer pre-qualification
- AI-assisted negotiation
- Agent marketplace (trojan horse)
- Materials term sheet generation
AI task completion: 40-50%
Months 7-12 (Oct 2026-Mar 2027)
- Search & matching engine
- Contract auto-generation
- Trust & security (wire fraud)
- Transaction narrative layer
- Showing coordination
- Escrow & inspection management
- Lending marketplace
AI task completion: 65-75%
Year 2+ (Apr 2027+)
- Property scan & AI appraisal
- Digital twin lifecycle
- Vendor network marketplace
- Insurance integration
- Investment property support
- Data-as-a-Service
- Agent-free transactions
AI task completion: 85%+
Human vs. AI: Task Transition by Phase
The Learning Progression
Vendor Ecosystem
How vendors interact with the platform -- from onboarding and vetting through assignment, service delivery, rating, and payment. Each touchpoint generates revenue and data.
Vendor Lifecycle Pipeline
Onboarding
Application, license verification, insurance check, background check
Vetting
Credential review, reference checks, sample work evaluation, pricing verification
Assignment
AI matches vendor to job by location, specialty, availability, rating, and price
Service
Vendor performs work. Status updates tracked in real time. Quality monitored.
Rating
Both parties rate. AI analyzes outcome quality. Performance score updated.
Payment
Platform processes payment. 10-15% take rate retained. Vendor paid within 3 days.
Vendor Types & Transaction Touchpoints
Pre-Listing
Showings
Due Diligence
Closing
Repairs & Improvements
Post-Close
Revenue Capture at Each Interaction
| Vendor Interaction | Typical Cost | AdHome Take Rate | Revenue per Event |
|---|---|---|---|
| Professional photography | $250-$650 | 20-55% | $50-$300 markup |
| 3D / Matterport scan | $400-$1,000 | 10-20% | $40-$200 markup |
| In-person showing | $100-$150 | 15-25% | $15-$40 |
| Home inspection | $400-$700 | 10-15% | $40-$105 |
| Repair services | $1,000-$10,000 | 10% | $100-$1,000 |
| Title & escrow | $2,000-$4,000 | Partnership referral | $500-$1,000 |
| Moving services | $2,000-$8,000 | 10-15% | $200-$1,200 |
| Insurance placement | $2,000-$4,000/yr premium | 10-15% commission | $200-$600/yr recurring |
| Ongoing home services | $3,000-$5,000/yr | 10% | $300-$500/yr recurring |
Vendor Quality Flywheel
AI Learning Loops
Detailed view of how each AI system improves through transaction data, agent behavior capture, and continuous feedback loops. Every interaction makes the platform smarter.
1. Valuation Model Training Loop
Property Valuation Accuracy Flywheel
| Scan Tier | Expected Median Error | 80% Within | Zillow Comparison |
|---|---|---|---|
| Basic (20-40 min) | 8-12% | +/- 15% | Zillow Zestimate: ~6.9% median error (off-market, no interior data) |
| Standard (60-90 min) | 5-8% | +/- 12% | |
| Comprehensive (2-4 hr) | 3-6% | +/- 8% | |
| Comprehensive + Pro | 2-5% | +/- 6% |
2. Negotiation Pattern Learning
Negotiation Intelligence Engine
What the AI Learns
- Which opening strategies work at which price points
- Optimal counter-offer timing (fast vs. deliberate)
- When contingency flexibility matters most
- Market condition impact on negotiation leverage
- Multi-offer scenario optimal response patterns
- Escalation clause vs. best-and-final effectiveness
Data Sources
- Every offer, counter-offer, and response
- Time between moves and final outcomes
- Terms that close deals vs. terms that kill them
- Agent overrides (what did the human do differently?)
- Market velocity at time of negotiation
- Property-specific factors (days on market, condition)
3. Matching Algorithm Refinement
Buyer-Property Matching Intelligence
4. Process Optimization from Transaction Data
Transaction Efficiency Engine
Problems Detected
- Where do deals get stuck?
- Which document requests cause delays?
- What inspection findings kill deals?
- Which lender conditions take longest?
- When do contingency deadlines get missed?
Prevention Actions
- Pre-collect documents AI knows will be needed
- Warn about likely inspection issues from scan data
- Route to faster lenders for time-sensitive deals
- Escalate before deadlines, not after
- Recommend contingency timelines based on actual data
5. Agent Behavior Capture (Trojan Horse Learning)
The Trojan Horse Intelligence Pipeline
Agents onboard onto the platform for its tools. Every action they take teaches the AI what it needs to learn to eventually replace them.
Routine Tasks
AI automates first. Scheduling, document prep, status updates, data entry.
~50% of agent work
Judgment Calls
AI learns next. Pricing advice, negotiation tactics, disclosure interpretation.
~35% of agent work
Relationship / Emotional
Hardest to replace. Hand-holding, crisis management, trust building.
~15% of agent work
6. Appraisal Learning Loop (Phase 2+)
AI-to-Appraiser Convergence
Every appraiser adjustment is a training signal. If the appraiser consistently adjusts condition scores upward for a certain renovation type, the model learns it was undervaluing that renovation. If the appraiser adds or removes comps, the model learns which comp selection criteria matter. Over thousands of appraisals, the AI converges toward appraiser-quality judgment while retaining its advantages in data richness and consistency.
The Compound Data Moat
Zillow
Has photos but no structured condition data, no system-level detail, no defect documentation
Matterport
Has 3D geometry but no condition scoring, no valuation integration, no outcome tracking
CoreLogic
Has public records and MLS data but zero interior condition data
Automax
Captures interior data for appraisals but has no listing platform, no transaction data, no digital twin
Rent-to-Own: The Secret Weapon
Alternative paths to homeownership for people who can afford a home but can't qualify traditionally. No competitor addresses this.
The Problem
Millions of renters pay more than a mortgage would cost — but can't qualify. AdHome bridges this gap.
The AdHome Graduated Pathway
Path A
Lease-to-Own
Rent with a portion going toward purchase price. Option to buy at locked-in price.
- 1-5% option fee (applied to purchase)
- 10-25% of rent credited toward price
- 1-3 year option period
- Price locked at signing
- AI manages the entire lease-option contract
Path B
Seller Financing
Seller acts as the bank. Buyer pays seller directly with negotiated terms.
- Dodd-Frank: 1 property/year safe harbor
- No ability-to-repay requirement
- AdHome structures the deal
- AI manages payments and compliance
- Deed of trust protects seller
Path C
Graduated Qualification
AI coaches the renter toward mortgage qualification while they rent.
- AI tracks payment history as evidence
- Credit improvement coaching
- Down payment savings plan
- Auto-connects to lending marketplace when ready
- Seamless transition from renter to buyer
The Graduated Qualification Flow
Why This Is the Secret Weapon
No Competitor Does This
Homa, Redfin, Opendoor, Zillow — none address the qualification gap. AdHome creates buyers that don't exist yet for other platforms.
Creates a Buyer Pipeline
Every renter in the pathway is a future qualified buyer. Predictable pipeline of transactions 12-36 months out.
Longer Relationships = More Data
1-3 year coaching relationships build deep user data, trust, and loyalty. Higher LTV than one-time transactions.
Social Impact Story
Making homeownership accessible to underserved communities. Powerful for branding, investor appeal, and press.
Seller Benefits
Above-market rent during lease period + guaranteed buyer at the end. Sellers get income now and a sale later.
5 Million Americans
Estimated number who would benefit from alternative credit scoring for mortgage qualification. Massive addressable market.