Research & methodology
How HousingVest values, qualifies, and audits every property in the platform.
Valuation model
Gradient-boosted residential AVM trained on county-recorded sales and assessor rolls. Held-out MAE reported alongside the most common comparable AVM benchmark for the subject tract. Confidence band reflects model variance, not transactional certainty.
Opportunity Zone qualification
Tract-level qualification follows IRC §§ 1400Z-1 and 1400Z-2, made permanent under Pub. L. No. 119-21. Qualification is recomputed nightly from the canonical Treasury designation list.
Bias audit
Each valuation logs disparate-impact ratio across protected-class composition of the surrounding tract, per HUD Fair Housing Act Guidance on the Application of the Fair Housing Act to the Screening of Applicants for Rental Housing (HUD No. 24-098, May 2, 2024) and the Interagency Quality Control Standards for Automated Valuation Models Rule (adopted June 6, 2024; published 89 Fed. Reg. 64538 (Aug. 7, 2024); effective October 1, 2025). PASS, REVIEW, FAIL thresholds: ≤1.10, 1.10–1.20, >1.20.
Governance
Model lifecycle, monitoring, and incident response follow the NIST AI Risk Management Framework. Audit logs are retained for the life of the engagement plus seven years.