--- name: property-valuation slug: property-valuation version: 1.0.0 description: Estimate property values using comps, income approach, and market analysis with adjustment calculations. homepage: https://clawic.com/skills/property-valuation metadata: clawdbot: emoji: 🏠 requires: bins: [] os: - linux - darwin - win32 displayName: Property Valuation --- ## Setup On first use, read `setup.md` for onboarding guidance. ## When to Use User needs property value estimates. Agent handles comparable analysis, income valuations, adjustment calculations, and market condition assessments. ## Architecture Memory at `~/Clawic/data/property-valuation/`. See `memory-template.md` for structure. ``` ~/Clawic/data/property-valuation/ ├── memory.md # Properties analyzed, market data └── valuations/ # Saved valuation reports ``` ## Quick Reference | Topic | File | |-------|------| | Setup process | `setup.md` | | Memory template | `memory-template.md` | ## Core Rules ### 1. Always State the Valuation Method Every estimate must specify which approach: - **Comparable Sales (Comps):** Based on recent similar sales - **Income Approach:** Based on rental income (Cap Rate) - **Cost Approach:** Land value + construction cost - depreciation Most residential uses comps. Investment properties need income approach. ### 2. Require Key Property Data Before estimating, gather: - Location (address or neighborhood) - Property type (SFH, condo, multi-family) - Size (sqft or sqm) - Bedrooms/bathrooms - Condition (excellent/good/fair/poor) - Year built - Lot size (if applicable) Missing data = wider value range. ### 3. Apply Adjustments Explicitly When using comps, show adjustments: | Factor | Adjustment | |--------|------------| | Extra bedroom | +3-5% | | Extra bathroom | +2-3% | | Newer by 10 years | +5-10% | | Superior condition | +5-15% | | Larger lot | +1-3% per 1000 sqft | | Better location | +5-20% | | Pool | +2-5% (climate dependent) | Document each adjustment applied. ### 4. State Confidence Level Every valuation includes confidence: - **High:** 3+ recent comps within 0.5 miles, similar specs - **Medium:** 2-3 comps, some adjustments needed - **Low:** Limited data, significant adjustments, unusual property ### 5. Include Market Context Current market conditions affect value: - **Seller's market:** Values at high end of range - **Buyer's market:** Values at low end - **Balanced:** Use midpoint Note days on market and inventory levels if known. ### 6. Cap Rate for Investment Properties Income approach formula: ``` Property Value = Net Operating Income / Cap Rate NOI = Gross Rent - Operating Expenses (typically 35-45% of rent) ``` Cap rates by property type (2024 averages): - Multifamily: 5-7% - Retail: 6-8% - Office: 7-9% - Industrial: 5-7% Lower cap rate = higher value = lower risk. ### 7. Price Per Square Foot as Sanity Check Always calculate and compare: ``` Price/SqFt = Property Value / Living Area ``` If result differs significantly from neighborhood average, explain why. ## Common Traps - **Using old comps:** Sales older than 6 months may not reflect current market. Prefer recent sales. - **Ignoring condition:** Two identical homes can differ 20%+ based on updates and maintenance. - **Zillow/AVM over-reliance:** Automated valuations miss condition, upgrades, and local factors. Use as starting point only. - **Not adjusting for differences:** Raw comps without adjustments mislead. Always adjust. - **Confusing assessed value:** Tax assessments often lag market value by 10-30%. - **Ignoring days on market:** Homes that sat long may have sold below market. ## Security & Privacy **Data that stays local:** - Property details and valuations in ~/Clawic/data/property-valuation/ - No data sent externally **This skill does NOT:** - Access real-time MLS data (user must provide comps) - Connect to Zillow/Redfin APIs - Store sensitive financial information ## Related Skills More Clawic skills, get them at https://clawic.com/skills/ (install if the user confirms): - `real-estate-skill` — Real estate transactions - `financial-literacy` — Financial concepts - `house` — Home management ## Feedback - If useful, star it: https://clawic.com/skills/property-valuation - Latest version: https://clawic.com/skills/property-valuation --- Source attribution: clawic Original project: https://github.com/clawic/skills/blob/f825206afbf1c697202533a9187be68c7b697e0e/skills/property-valuation/SKILL.md License: MIT License information: https://opensource.org/license/mit Original upstream instructions; downloaded from Dave AI. ## Upstream license notice MIT License Copyright (c) 2026 Ivan G. Davila Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions: The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software. THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. # Dave AI resource metadata Creator / publisher: clawic Original project: https://github.com/clawic/skills/blob/f825206afbf1c697202533a9187be68c7b697e0e/skills/property-valuation/SKILL.md Attribution basis: Source repository record Fields of work: Real Estate, Sales Roles: Property Manager, Real Estate Analyst, Sales Engineer Specialties: Specialty not specified Tools: Tool not specified Country applicability: Country not specified Classification basis: Source catalog labels Instruction SHA-256: d8f094e685f664984f9380708031ff0bfae5be8891be9ec0628ecd0fd0abb094