The AI-powered platform that replaces real estate agents and manages the entire home buying, selling, and ownership lifecycle.
The Problem
Every layer is a cost center and point of failure. The process costs too much, takes too long, and is controlled by misaligned intermediaries.
5-6% agent commissions cost Bay Area buyers/sellers $66,000-$76,500 per transaction. On a $2M San Mateo home: $103,600.
No single system has consciousness of the entire transaction. Information is scattered across agents, lenders, title companies, and inspectors.
Agents are hungry for commission and make mistakes that cost clients. Agent NPS is -29. Only 21% would recommend their own profession.
The appraisal industry charges costs not proportional to home value. A commodity service with premium pricing that AdHome can automate.
Agents bring emotion, ego, and resistance to negotiations. Buyers and sellers can't be fully transparent with human intermediaries.
Coordinating inspectors, lenders, title companies, and escrow is a scheduling nightmare that frequently delays closings.
The Solution
Click any step to explore how AdHome handles it.
Progressive "slow drip" friction. Browse freely, qualify gradually.
Guided photo/scan creates property valuation, virtual tour, AND digital twin simultaneously.
AI generates marketing materials, staging advice, and market timing recommendations.
Both Rowans actively hunt. Buyer's Rowan learns, Seller's Rowan seeks qualified buyers.
Virtual tours from scan data, lockbox access, or contractor-managed showings.
Materials term sheet — neutral, plain language, AI-facilitated.
Agreed term sheet auto-generates purchase agreement.
Automatic escrow, AI coordinates inspections and lending in parallel.
Title search, wire fraud prevention, closing docs, and move-in coordination.
Digital twin, proactive maintenance, warranties, insurance — forever.
AI Architecture
Each transaction gets three AI agents. No one else has this.
Each Rowan operates behind a strict wall. Cannot access the other party's data.
AI handles everything it can. Escalates when needed. Learns from every resolution.
All agents speak the party's native language. 7 Bay Area languages supported.
AI agents never sleep. Negotiate async around the clock. Go live when both parties want.
Key Innovations
Nothing like these exists in the market today.
Buyer's Rowan + Seller's Rowan + Transaction Rowan with information walls. No one has commercialized this.
Neutral, plain-language deal summary that auto-converts to binding contract upon agreement.
One seller-guided scan creates three outputs: AI property valuation, virtual tour assets, and persistent digital twin.
No platform spans listing through closing through ongoing home ownership as a single system.
Async by default — AI negotiates around the clock. Sync option when both parties want to go live.
Scan data auto-generates required California disclosures, reducing seller liability and compliance burden.
Market Opportunity
Bay Area & California — highest prices, most tech-savvy, zero direct competitors.
SF: $1.8M | San Mateo: $2.0M
~370,000 annual home sales
Available to disrupt annually
Behavioral shift already happening
Up 67.9% YoY. AI share: 30-50%
Worst since 2019. Profession in crisis.
Go-to-Market
Build tools agents love. Learn from them. Replace them.
Build the best tools for agents and loan officers
AI handles more, humans handle less
The system IS the agent
Revenue Model
Transactional and recurring, across the entire lifecycle.
| Revenue Stream | Per-Unit Potential | Type |
|---|---|---|
| Seller platform fee | $995 (Essential) / $1,995 (Premium). Buyers: FREE | Transactional |
| Embedded lending | $3K-15K per mortgage | Transactional |
| Title/escrow integration | $1.5-3K per transaction | Transactional |
| Vendor marketplace (5-15%) | Per service booked | Transactional Recurring |
| Embedded insurance | $500-2K/homeowner/year | Recurring |
| Premium homeowner sub | $20-50/month | Recurring |
| Agent SaaS (transition) | $100-500/agent/month | Recurring |
| Data-as-a-Service | $10-50M ARR at scale | Recurring |
| Lead gen / referral fees | Variable | Transactional |
| Moving/relocation | $200-500 per move | Transactional |
Competitive Landscape
The market is fragmented. No one offers the full picture.
| Feature | AdHome | Homa | Rocket-Redfin | Opendoor | Houzeo |
|---|---|---|---|---|---|
| AI buyer agent | ✓ | ✓ | ✗ | ✗ | ✗ |
| AI seller agent | ✓ | ✗ | ✗ | ✗ | ✗ |
| Neutral AI mediator | ✓ | ✗ | ✗ | ✗ | ✗ |
| AI negotiation | ✓ | ✗ | ✗ | ✗ | ✗ |
| AI property valuation (scan) | ✓ | ✗ | ✗ | ~ | ✗ |
| Digital twin | ✓ | ✗ | ✗ | ✗ | ✗ |
| Lending marketplace | ✓ | ✗ | ~ | ✗ | ✗ |
| Post-close ownership | ✓ | ✗ | ✗ | ✗ | ✗ |
| Multilingual AI | ✓ | ✗ | ✗ | ✗ | ✗ |
| In-house legal docs | ✓ | ✗ | ✗ | ✗ | ✗ |
Platform Architecture
Each system has a detailed product specification.
Design Principles
Always in control, always informed. AI advises — the user decides. Full visibility into what's happening and why.
Full awareness of every transaction across all parties and stages. The complete story, not isolated tasks.
Every transaction makes the platform smarter. AI escalates, learns from resolution, handles it next time.
Guided UI, chat, voice. Seven languages. Meets users where they are. Scales to their capability.
Every feature reduces cost and friction. If a traditional layer exists, make it cheaper, faster, or unnecessary.
Progressive friction. Basic photos to professional LiDAR. Offer services to fill gaps. Never hit a wall.
Team
Development, lending, and law — covered from day one.
Platform architecture & engineering
Development + lending domain (thesis origin)
Real estate law, in-house counsel
Real estate lending & underwriting
Changelog
March 24, 2026 — Deep Dives + Testing
March 24, 2026 — Visual Upgrade + Research
March 24, 2026 — Full System Specs
March 24, 2026 — Initial Vision