# Show HN: Home-buying AI that rejects any finding it can't quote from the source > Source: > Published: 2026-08-11 16:08:26+00:00 [← Back to Vetta Home](/)DEMO REPORT Sold Price $1.40M List: $1.34M $873/sqft AI Fair Market Value $1.38M Suggested Offer Range $1.32M - $1.42M Based on 12 multi-family comps in 95125 zip code over past 90 days. Multi-family properties in this area averaging $873/sqft. Property sold for $1.4M (4.5% above list), indicating strong buyer demand. ### Monthly payment + cash to close On $1,340,000 list priceMonthly (PITI + HOA) $8,907 P&I $6,953 · Tax $1,396 · Ins $558 Cash needed at closing $301,500 Down $268,000 · Closing costs $33,500 (~2.5%) Defaults: California Prop 13 tax reset at purchase (1.25%), ~0.5% insurance (raise if the home is in a wildfire/flood zone). Edit any field with your actual prequal numbers. ## Disclosure Analysis This 1954 multi-family property shows typical age-related concerns. The dual-unit configuration requires careful review of rental income potential and zoning compliance. Foundation and plumbing are primary areas to investigate given the 70+ year age. ### Red Flags (4) #### Original Cast Iron Plumbing Main sewer line is original cast iron from 1954. Video inspection recommended before closing. Replacement cost if needed: $15,000-25,000 for trenchless, $30,000-45,000 for traditional. Source: Pest Report - Page 6 #### Foundation Crack - South Wall Horizontal crack noted on south foundation wall measuring approximately 3/16 inch. Seller states crack has been stable for 5+ years. Recommend structural engineer evaluation ($400-600). Source: TDS - Page 4, Section 8 #### Dual-Unit Permit Status Property listed as multi-family. Verify both units have proper permits and meet current ADU/rental regulations. Non-conforming units may affect financing or insurance. Source: SPQ - Page 2 #### Earthquake Zone Property is 2.3 miles from Hayward Fault. Standard seismic hazard zone. Foundation not retrofitted. Earthquake insurance recommended (~$1,200/year at this value). Source: NHD - Page 3 ### Recommendations - ✓Order sewer line video inspection ($300-500) before removing contingencies - ✓Get structural engineer evaluation of foundation crack - ✓Verify dual-unit permit status with San Jose Planning Department - ✓Request copies of current rental agreements if units are tenanted - ✓Budget for foundation retrofit ($8,000-15,000) if not completed ## Environment Analysis Overall Score 72/100 Safety 68/100 SafeNoise Level 68/100 Road: 55 Schools 85/100 3 nearby ### Risk factors on the map Sign in to load the hazard layers### Safety Details Jurisdiction: San Jose Incidents (1km radius): 156 in 365 days Rate: 8.2 per 1,000 residents • Crime rate slightly above San Jose average • Most incidents are property crimes (vehicle break-ins) • No violent crimes reported within 500m in past 6 months ### Nearby Schools Blackford Elementary School elementary • 0.5 mi Monroe Middle School middle • 1.9 mi Del Mar High School high • 1 mi Superfund Site: Lorentz Barrel & Drum (3.2km away) Risk Score: 8/100 (low) ## Feng Shui Analysis Overall Score 70/100 Facing Direction 225° Southwest Road Sha Score 75/100 1 issues Overall: Period 9 chart shows balanced energy for multi-family use Advice: Southwest facing favorable for rental income. Consider enhancing the front entry with plants. Water: No significant water features nearby - neutral impact Roads: Minor T-junction to north, place protective element near front door ## Market Comparable Analysis Avg Sold Price $1.38M Avg $/Sqft $875 Active Listings 8 Sold (90 days) 12 ### Market Insights AI Summary Property sold above asking, reflecting strong demand for multi-family homes in this school district. List price of $1.34M was below market - final sale at $1.4M aligns with comps. ## Offer Strategy Property already sold at $1.4M - use as comp reference For similar properties: Start 2-3% below list with strong contingencies Sewer inspection contingency is essential for 1950s homes Multi-family demand high - expect competition from investors Consider pre-inspection to strengthen offer competitiveness ## Questions to Ask What is the current rental income from both units? When was sewer line last scoped or repaired? Are both units legally permitted as separate dwellings? Has foundation crack been evaluated by structural engineer? What are current lease terms for tenants (if occupied)? ## Get this analysis for any listing Paste a Redfin or Zillow link to analyze any property instantly Enter the full address including city and state for best results Buying outside California? Disclosure forms are state-specific, so we're CA-only today. Leave your email and we'll tell you the day your state ships.