Skill: ivangdavila/property-valuation (version 1.0.0)

--- name: Property Valuation slug: property-valuation version: 1.0.0 homepage: https://clawic.com/skills/property-valuation description: Estimate property values using comps, income approach, and market analysis with adjustment calculations. metadata: {"clawdbot":{"emoji":"🏠","requires":{"bins":[]},"os":["linux","darwin","win32"]}} --- ## 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 `~/property-valuation/`. See `memory-template.md` for structure. ``` ~/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 ~/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 Install with `clawhub install <slug>` if user confirms: - `real-estate-skill` — Real estate transactions - `financial-literacy` — Financial concepts - `house` — Home management ## Feedback - If useful: `clawhub star property-valuation` - Stay updated: `clawhub sync`

path: memory-template.md
content: # Memory Template — Property Valuation

Create `~/property-valuation/memory.md` with this structure:

```markdown
# Property Valuation Memory

## Status
status: ongoing
version: 1.0.0
last: YYYY-MM-DD
integration: pending | done | declined

## Context
<!-- Market focus, property types, valuation purpose -->
<!-- Add as you learn from conversations -->

## Market Data
<!-- Local price/sqft averages, cap rates, market conditions -->
<!-- Update when user provides market intel -->

## Properties Analyzed
<!-- Brief log of valuations done -->
<!-- Format: Date | Address/Description | Value Range | Method -->

## Notes
<!-- Preferences: quick estimates vs detailed analysis -->
<!-- Data sources they have access to (MLS, etc.) -->

---
*Updated: YYYY-MM-DD*
```

## Status Values

| Value | Meaning | Behavior |
|-------|---------|----------|
| `ongoing` | Still learning | Gather context opportunistically |
| `complete` | Has enough context | Work normally |
| `paused` | User said "not now" | Don't ask, work with what you have |

## Key Principles

- **No config keys visible** — use natural language
- **Learn from behavior** — observe their analysis style
- **Update market data** — when user shares local insights
- Update `last` on each use


Security scan verdicts — ClawScan: clean | static analysis: clean | VirusTotal: clean | SkillSpector: suspicious (MEDIUM)