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Sample report
What you get back.
An example decision report for a move-up buyer evaluating a more expensive home while owning their current one.
Decision report · #00482
1228 Oak Ridge Lane, Austin TX
$1,225,000 · 4 bd · 3 ba · 2,840 sqft
Recommendation
Conditional Yes
“The home is a strong family and lifestyle fit, but only if financing is structured to preserve cash. Avoid retirement withdrawals and negotiate the price down 3–5% to absorb the likely HOA assessment.”
Scorecard
Weighted: 6.9 / 10Affordability62 / 100
Liquidity38 / 100
Lifestyle fit91 / 100
Risk74 / 100
Resale82 / 100
Top pros
- Strong school district aligned with your kids' ages over the next 8 years.
- Lot, layout, and storage solve every must-have on your family list.
- Comparable sales support the asking price within 2%.
- Resale demand has stayed positive through the last two market cycles.
Top cons
- Monthly payment consumes 38% of gross income — above your 32% comfort line.
- Cash-to-close drops emergency reserves below three months of expenses.
- HOA reserve study suggests a special assessment likely within 24 months.
- Roof and HVAC both within five years of expected replacement.
Before you move
- LenderQuote a 10% down scenario with no-PMI alternatives.
- AgentSurface last 60 days of comparable sales and DOM trend.
- InspectorRoof age, HVAC age, foundation, and drainage focus.
- PartnerConfirm comfort with 38% DTI and reduced reserves.
This is one example. Yours is built around your finances, your family, and the specific home you're evaluating.