The financial document
your home has been missing.
A 60+ page institutional report on your home as a financial asset — built on the same forecasting frameworks used in commercial real estate underwriting, adapted for the single-family home.
60+
Pages
30
Chapters
12mo
Refreshes
What's inside
30 chapters, organized into 5 parts.
Every chapter is structured around a single decision your household will face in the next 5–25 years. Skim the Executive Layer in 5 minutes; live in the Capital Plan for the next decade.
- 01Cover + Asset Snapshot
- 02Executive Summary
- 03One-Page Decision BriefNew
- 04Confidence & Data Quality IndexNew
Sample pages
A look inside the dossier.
Six representative chapter layouts — real headings, real numbers, real visuals. Every page is print-optimized so the full PDF reads like a 60+ page institutional document.
10-Year Money Bleed
Peak year
2031 · $14.8K
Monthly reserve
$702 / mo
Monthly + cumulative exposure curve calibrated to your home's age, region, and quality tier.
Reserve Adequacy Stress Test
HVAC + Roof same year
Envelope failure (40%)
Emergency premium pricing
Three shock scenarios stress-test your reserve. Verdict drives the action plan.
5-Year Capital Calendar
Events
4
Low-water
$3,420
Month-by-month: planned spends, sinking-fund draws, and reserve balance trajectory.
Repair vs. Replace Matrix
The 50% Rule applied per system. Your decision call, defended by ratio.
Vendor Question Bank — HVAC
- What's the Manual J calc? (Refuse vendors who skip.)
- SEER2 / HSPF2 rating + parts AND labor warranty?
- Replacing the line set, or reusing it?
- Pulling permits + scheduling city inspection?
- Year-2 and year-5 callback rate?
Printable per-trade sheets. Question quality predicts contractor quality.
Glossary, Sources & Versioning
Primary sources
DOE · NAHB · ENERGY STAR · IRS §25C/§25D · FEMA · HomeScore Replacement Curve™
Every framework named. Every data source cited. Version + valid-through date stamped.
Numbers shown are illustrative. Your dossier reflects your home's actual inputs.
How it compares
Where the Asset Dossier sits in the market.
A home inspection tells you what's broken today. A financial planner tells you how to save in general. The Asset Dossier is the only deliverable built specifically around your home as a 25-year financial asset.
Asset Dossier | Home Inspection | Financial Planner | Online Calculator | |
|---|---|---|---|---|
| Typical cost | $79 | $400–$600 | $400–$800 | Free |
| Pages delivered | 60+ | 20–40 | Verbal / 1-pg memo | Single screen |
| 5-year cost forecast | Estimate only | |||
| 25-year lifecycle plan | ||||
| Per-system sinking fund | Generic | |||
| Reserve stress test | ||||
| Resale & buyer-perception report | Partial | |||
| Negotiation leverage score | ||||
| Vendor question bank (printable) | ||||
| 12-month refreshes | ||||
| Shareable read-only link |
Comparison ranges based on 2026 national averages for residential inspection services and fee-only financial planning consultations.
Methodology
Four proprietary frameworks. Zero AI guesswork.
Every number in the dossier is deterministic — derived from named, citable frameworks built on NAHB lifecycle benchmarks, regional cost indices, and 516+ component-level cost models.
Lifecycle Model™
Maps every major system to its expected service life, regional climate exposure, and replacement curve.
Replacement Curve™
Translates remaining useful life into dollar exposure year-by-year, smoothing for clustered failures.
Reserve Adequacy Index
Stress-tests your sinking fund against simultaneous failures and worst-case cost overruns.
Confidence & Data Quality Index
Scores every input — strong evidence vs. inferred — so you know what to trust and what to verify.
Early-access members
"I forwarded it to my realtor before I was halfway through reading. The reserve stress test alone changed how I thought about the offer."
"This is the document I wished existed when I bought my first house. It's the closest thing I've seen to a Bloomberg terminal for residential real estate."
516+
Cost models
50
U.S. states
100%
Deterministic
FAQ
Questions, answered.
Built once. Refreshed for 12 months.
The most serious financial document
ever written about your house.
$79 — anchored against $400–$800 for a financial planner consult, $500+ for a pre-listing inspection consult, and $1,500+ for a commercial property condition assessment.
14-day refund if the dossier doesn't deliver on the spec
Begin intake
Build your Asset Dossier.
Nine quick steps. About 15 minutes. Save and return anytime within your 12-month entitlement.
Property Basics
Tell us about your home so we can personalize your financial health report.
How old is your home?