AI Valuation & Analytics Assessment
Property evaluations in minutes, not weeks
AIVAA is our in-house evaluation: twelve public and licensed data sources, three valuation approaches, and one transparent report a credit committee can read without an analyst translating it — delivered in under five minutes.
This is not an appraisal. AIVAA is an evaluation consistent with the Interagency Appraisal & Evaluation Guidelines. State-certified appraisals remain required for federally-related commercial transactions above $500,000.
Sample AIVAA report
Generated inUnder 5 min
- Subject GLA
- 4,603 sq ft
- Sales Comparison
- $1,031,068
- Cost Approach
- $1,092,349
- Liquidation floor
- $655,409
- AIVAA Valuation
- $1,092,349
12
Data sources
3
Approaches
22
Audit entries
The process
Address in. Credit-committee report out.
A traditional appraisal takes two to four weeks, most of it spent waiting on a vendor's calendar. Four steps run here instead, and none of them wait.
Under 5 minutesEnd to end
- 01
Address submitted
A borrower or analyst submits a commercial property address. AIVAA resolves the parcel, the ownership and the geography spine.
- 02
Twelve-source synthesis
PropertyRadar, ATTOM, FRED, BLS, Census ACS, FBI UCR, Shovels.ai, Cloud CMA, OpenStreetMap and our internal engines are pulled into a single record.
- 03
Three-approach valuation
Sales Comparison (IQR screen, clustered comps), Cost (Method B, BLS PPI) and Income (cap rate, DSCR). The liquidation stress case runs alongside.
- 04
Audit-ready PDF
Reconciled value, underwriting outputs (LTV, feasibility, loan sizing), compliance disclosures, and a full input-and-adjustment audit trail.
Contents
Twelve sections. Nothing hidden.
Three valuation approaches in one PDF, written so a credit committee can read it without an analyst translating — and so an examiner can retrace every number.
- 01
Property identification
Address, parcel ID, legal description, zoning, lot, flood zone, prior transfers.
- 02
Physical characteristics
GLA, beds, baths, year built, condition, waterfront and shoreline, permits, renovations.
- 03
Market analysis
Census tract, OSM and ATTOM N2 boundaries; ACS demographics; FBI UCR crime; absorption and luxury velocity.
- 04
Sales Comparison Approach
IQR outlier screen, k-means clustering, FHFA HPI time-adjustment, and GLA / lot / location / waterfront / view adjustments.
- 05
Cost Approach
Method B replacement-cost build-up on BLS PPI materials and construction services; depreciation across physical, functional and external.
- 06
Income Approach
Market rent, vacancy, operating expenses, NOI, cap rate, DSCR, and a direct-capitalisation conclusion.
- 07
Liquidation / stress case
A forced-sale discount calibrated by the Market Volatility Index, giving an orderly-liquidation floor for downside underwriting.
- 08
Final reconciliation
Weights and reconciles the Sales Comparison, Cost and Income indications into a single value with a risk-adjusted band.
- 09
Underwriting outputs
LTV, feasibility score, loan sizing and a flag list — handed straight to your credit committee.
- 10
Compliance & disclosures
Scope-of-work statement, data-source disclosures, and framing positioned explicitly as an IAEG evaluation.
- 11
Audit trail
Every input and every adjustment logged with its source and timestamp. Reviewable by examiners and credit committees.
- 12
Data transparency
Per-source lineage. When a feed is unavailable, AIVAA shows the gap rather than papering over it.
Data spine
Twelve sources, one record
Nine of the twelve are public record or licensed third-party data — you can check our working. The three we built ourselves are the ones we log most carefully.
Public record
5Government and federal statistical feeds. Free to verify, impossible to fudge.
- FRED — FHFA HPI
- Time-adjustment of comparable sales
- BLS PPI
- Materials and construction-services inflation
- U.S. Census ACS
- Tract demographics, employment, migration
- FBI Crime Data Explorer
- State UCR crime indexing
- OpenStreetMap
- Neighbourhood and administrative boundaries
Licensed
4Commercial property data, under contract.
- PropertyRadar
- Subject, parcels, transactions, comps
- ATTOM Data Solutions
- Property detail, permits, schools, N2 boundary
- Shovels.ai
- Independent permit feed, 20-year lookback
- Cloud CMA
- MLS-backed Quick CMA supplement
In-house engines
3Our modelling layer. Every adjustment it makes is logged in the audit trail.
- Comp engine
- IQR outlier screen and k-means clustering
- MSI / MVI composite
- Market stability and volatility indices
- View engine v1
- Heuristic view-quality scoring
Where it fits
How it differs from a traditional appraisal
AIVAA does not replace a certified appraisal above the federal threshold. It is the evaluation that fits below it, and the pre-underwriting layer above it.
| Traditional appraisal | AIVAA evaluation | |
|---|---|---|
| Turnaround | Two to four weeks — vendor scheduling, site inspection, draft, review | Under five minutes, end to end |
| Cost | $2,500 – $5,000+ per commercial appraisal | Flat platform fee |
| Transparency | A PDF deliverable; the working file is reviewer-only | Every input and adjustment logged in-report, with source attribution |
| Audit trail | Workpaper retention is the appraiser's responsibility | Immutable per-source lineage. Examiner-ready by default |
| Data freshness | Static as at inspection — often stale by the funding date | Pulled live at request time. Re-run any AIVAA in minutes |
| Regulatory framing | A USPAP appraisal — required above $500K commercial transactions | An IAEG-aligned evaluation — fits at or below $500K, and screens above it |
Compliance
The questions examiners ask
Scope, methodology and where the federal line sits. Answered plainly, because a compliance officer will find the caveats anyway.
Early access — coming soon
Be first on AIVAA when access opens.
AIVAA is the evaluation we already run in-house on CR Equity deals. We are opening it to a small group of brokers, sponsors and capital partners first — leave your details and we will reach out the moment access opens.
- Priority onboarding ahead of public launch
- Locked-in pricing before retail tiers go live
- A direct line to the AIVAA team for feedback
Run AIVAA on your next deal.
Submit a property and we will return a sample evaluation — the full report structure, the audit trail and the reconciled value — before you commit to anything.
AIVAA is an evaluation, not an appraisal. State-certified appraisals are required for federally-related commercial real estate transactions above $500,000.