Residential portfolio intelligence

Every property.
Every sale.
Every signal—
on one chart.

Upload a CSV of addresses. Watch fifteen years of transactions arrange themselves into a story you can underwrite. Score it, stress it, see it—in five minutes.

Open the platform See what it does
16
Risk factors
9
Stress scenarios
73K+
Census tracts bound
● Live demo — 600 properties, 2008–2025
Hover any dot → sale detail
§ 01   Color by economic era

Distressed-sale clusters become obvious.

Toggle the era palette and a decade and a half of macro shocks paints itself across your portfolio—Pre-Crash blue, Crash red, Recovery green, Boom purple, COVID amber, Rate Shock orange.

Tracts that look fine in aggregate reveal pockets of stress no spreadsheet would surface.

  • Auto-bucketed: Pre-Crash, Crash, Recovery, Boom, COVID, Rate Shock
  • Full chain of title preserved—every sale, not just the latest
  • Anomaly clusters flagged by the false-signal detector

Portfolio composition by era

Pre-Crash<2008
Crash2008–10
Recovery2010–14
Boom2014–20
COVID2020–22
Rate Shock2022+
23%
Sold during Boom era
11%
Distressed in Crash window
$285K
Median Boom-era sale
+47%
HPI gain Recovery→Boom

Buyer mix — by haversine classification

Entity / Trust
18%
Married Joint
42%
Single
24%
Long-Distance Investor
11%
Local Non-Occupant
5%

Mailing vs property lat/lon → owner-occupant (≤1mi) / local (≤10mi) / long-distance (>10mi).

§ 02   Color by owner intent

Investor density predicts exit friction.

SSA-backed gender inference, entity-keyword matching, and haversine distance from the mailing address classify every owner into one of five buckets—automatically.

Tracts heavy on long-distance investors price differently, finance differently, and exit differently. We surface that the moment you upload.

  • 431K-name SSA dataset for gender confidence (80%+)
  • Entity keyword classifier: LLC, Trust, Corp, HOA, partnership
  • Mailing-address overlay separates tax owner from property owner
§ 03   Add a federal overlay

Macro context, baked in.

FHFA HPI quarterly. Freddie Mac PMMS weekly. CFPB HMDA tract-level annual. Census ACS vacancy. Cron-fed, calibrated, refreshed—then bound to your portfolio at the tract.

Every dot on the chart inherits the federal context of its tract. No manual lookup. No per-property API call.

  • Auto-geocoded to Census tract FIPS (zero-click)
  • Weekly mortgage-rate trace overlays the scatter
  • 13 trend overlays toggleable per chart

Federal pipeline — live

Freddie PMMS
30-Year Fixed
6.53%
▲ +0.02 wk
FHFA / FRED
HPI YoY
+3.6%
▼ -0.3 qtr
CFPB HMDA
Denial Rate (national)
12.9%
▲ +0.6 yoy
Census ACS
Tract Vacancy (med.)
10.1%
▼ -0.3 yoy

Cron-refreshed weekly (rates) · quarterly (HPI, HMDA, ACS) · calibration cube re-fit each quarter.

2847 Magnolia Dr — full chain of title

Mar 2024
$412,000
Hernandez Family Trust — entity
Investor
Aug 2021
$355,000
Patel, A. & Patel, R. — married joint
Arms-length
Jun 2014
$198,500
Coastline Holdings LLC — entity
Investor
Nov 2009
$94,200
Wells Fargo REO — bank
Foreclosure
Feb 2006
$268,000
Thompson, J. — single
Arms-length
§ 04   Click any dot

Get the chain of title.

Most tools dedupe to the latest sale. Postads keeps every transaction—so foreclosure cycles, flip patterns, and entity hand-offs become a readable timeline instead of a single data point.

The pattern above? A 2009 REO at the bottom of the crash, an investor pickup in the recovery, an arms-length sale during COVID, a trust transfer in the rate-shock window. Invisible in a one-row-per-property file.

  • Foreclosure / REO / short-sale auto-flagged
  • Entity vs. natural-person hand-offs detected
  • Cycle context: which era each sale belongs to

And then it gives you a full underwriting stack.

Seven product surfaces—each fed by the same upload, the same federal pipeline, the same calibration cube.

62 WATCH
Risk Engine

Foreclosure Risk Score

16 weighted factors—DTI, LTV, cashflow margin, owner type, life stage, HOA delinquency, vacancy, HPI trend—auto-reweighted when fields are missing.

9 Scenarios

Stress Test Suite

Rate Shock +2%, Income Drop 20%, Combined Recession, Insurance + Tax Shock, FHA Decertification—each re-scores the portfolio with deltas and severity labels.

CFPB HMDA

Exit Liquidity

Buyer composition, capital flow intensity, qualification pressure, transaction friction, absorption months—reverse-engineered at the tract from federal lending patterns.

12 Tiers

Refi Intelligence

Per-FICO ledger: refi propensity, prepayment risk, default probability, GSE/FHA/VA eligibility, rate-buydown scenarios—machine-learned with heuristic fallback.

100% AMI
AMI Tiers

Affordability Map

Required-income distribution, AMI tier mix (30/60/100/150%), affordability gap by era—the income-vs-price story per tract.

FHFA Quarterly

County HPI Atlas

County-level FHFA House Price Index trends, demographics, vacancy, household income—quarterly snapshots back to 2000.

CLUSTER
Anomaly Detection

False-Signal Detector

Cluster analysis flags appraisal-gap zones, distressed pockets, outlier pricing—tracts that deserve a second look before you bid.

What no one else has shipped

This is genuinely new.

Most portfolio tools stop at “here’s a list of properties.” Postads goes further—binding every address to tract-level federal data, scoring it against a 16-factor model, and stress-testing it against nine reusable scenarios. Built from public data. Calibrated quarterly. Auditable end-to-end.

01

Full chain of title preserved

Every transaction—not just the latest—so distressed-sale clusters and entity hand-offs become visible.

02

Tract-level exit liquidity from CFPB HMDA

Buyer composition, denial pressure, and absorption months reverse-engineered from public lending patterns.

03

Haversine investor classification

Mailing-address vs. property-address distance separates owner-occupants, local non-occupants, and long-distance investors.

04

Calibration cube

Empirical 3-D priors—price tier × property age × era—feed default, prepay, and sale probabilities into every score.

Built on public data, refreshed by cron
FHFA
House Price Index
Freddie Mac
PMMS Weekly
CFPB
HMDA Tract Aggregates
Census
ACS Vacancy
FRED
St. Louis Fed API
Census Geocoder
Tract FIPS

Methodology, factor weights, and data dictionary—available inside the platform.

Run your portfolio

Five minutes from CSV to defensible underwriting.

No setup. No integration. Drop a file with addresses and sale history—get the score, the stress tests, the exit liquidity, the chain of title, and the federal context. All on one page.

Open the platform