| name | foreclosure-analysis-skill |
| description | Execute 12-stage Everest Ascent pipeline for foreclosure auction analysis from discovery to disposition |
Foreclosure Analysis Skill
Executes the complete 12-stage Everest Ascent™ methodology for foreclosure auction intelligence.
When to Use This Skill
- Analyzing upcoming foreclosure auctions
- Processing new auction listings
- Generating investment recommendations
- Creating property reports for bidding decisions
The Everest Ascent™ Pipeline
Stage 1: Discovery
- Monitor RealForeclose.com for new listings
- Extract: case number, plaintiff, property address, auction date
- Filter: Brevard County only, exclude tax deeds
- Output: candidate_properties list
Stage 2: Scraping
- BCPAO Scraper: Property details, valuations, photos
- RealForeclose Scraper: Auction specifics, judgment amount
- AcclaimWeb Scraper: Mortgages, liens, legal descriptions
- RealTDM Scraper: Tax certificates, delinquencies
- Census API: Demographics, neighborhood data
Stage 3: Title Search
- Parse legal description
- Identify all recorded instruments
- Build chain of title
- Flag gaps or issues
Stage 4: Lien Priority Analysis
CRITICAL STAGE - Use lien-discovery-skill
- Identify lien positions (1st, 2nd, 3rd+)
- Detect HOA foreclosures (senior mortgage survives)
- Calculate lien satisfaction amounts
- Determine what buyer inherits
Stage 5: Tax Certificates
- Check RealTDM for outstanding certificates
- Calculate tax debt
- Verify redemption status
- Add to cost basis
Stage 6: Demographics
- Census API: median income, vacancy rate
- Neighborhood score: rental demand, appreciation potential
- Target zips: 32937, 32940, 32953, 32903
- Flag: optimal for Third Sword MTR strategy
Stage 7: ML Prediction
- XGBoost model: third-party purchase probability (64.4% accuracy)
- Features: plaintiff, property type, judgment amount, location
- Output: probability score 0-1
- Brand as "BrevardBidderAI ML" in reports
Stage 8: Max Bid Calculation
Use max-bid-calculator-skill
- Formula: (ARV×70%) - Repairs - $10K - MIN($25K, 15%×ARV)
- ARV: After-repair value from BCPAO + comps
- Repairs: Conservative estimate based on age/condition
- Holding costs: $10K standard
- Profit buffer: $25K or 15% ARV (whichever less)
Stage 9: Decision Logic
- Calculate bid/judgment ratio
- BID: Ratio ≥ 75% (strong value)
- REVIEW: Ratio 60-74% (marginal, needs human review)
- SKIP: Ratio < 60% (insufficient value)
- DO_NOT_BID: HOA foreclosure with senior mortgage
Stage 10: Report Generation
- One-page DOCX format
- BrevardBidderAI branding (NOT Property360)
- Include: property details, BCPAO photo, max bid, decision, rationale
- ML prediction prominently displayed
- Lien analysis summary
Stage 11: Disposition Tracking
- Log to Supabase auction_results table
- Fields: property_id, decision, max_bid, actual_bid, outcome
- Track: won/lost/skipped
- Calculate: actual ROI vs predicted
Stage 12: Archive
- Store all data in Supabase historical_auctions
- Preserve: scraper outputs, ML predictions, decisions
- Enable: backtesting, model improvements, pattern analysis
Data Sources & APIs
RealForeclose: brevard.realforeclose.com (auction listings)
BCPAO: gis.brevardfl.gov/gissrv/rest/services/Base_Map/Parcel_New_WKID2881/MapServer/5
AcclaimWeb: Search by case number, parcel ID
RealTDM: Tax certificate search by parcel
Census: api.census.gov/data (demographics)
Decision Rules
Auto-BID if:
- Bid/judgment ≥ 75%
- No HOA foreclosure issues
- Clean title chain
- Target zip code (optional boost)
Flag REVIEW if:
- Bid/judgment 60-74%
- Minor title issues
- Unusual property characteristics
- High repair uncertainty
Auto-SKIP if:
- Bid/judgment < 60%
- Insufficient margin
- High risk factors
DO_NOT_BID if:
- HOA foreclosure + senior mortgage survives
- Title defects
- Legal complications
Output Format
{
"property_id": "2024-CA-001234",
"address": "123 Main St, Melbourne FL 32940",
"decision": "BID",
"max_bid": 285000,
"judgment": 320000,
"bid_ratio": 0.89,
"ml_probability": 0.72,
"lien_analysis": "Clean 1st position",
"reasoning": "Strong equity position, target zip, clean title"
}
Example Usage
"Analyze the December 3rd foreclosure auction using foreclosure-analysis-skill"
"Process new RealForeclose listings with the Everest Ascent pipeline"
Integration Points
- Triggers lien-discovery-skill at Stage 4
- Triggers max-bid-calculator-skill at Stage 8
- Uses bcpao-data-extraction-skill throughout
- Logs to Supabase at Stages 11-12
Best Practices
- NO GUESSING: Always use actual recorded documents
- Verify Everything: Don't trust automated data blindly
- Conservative Repairs: Better to overestimate than underestimate
- Document Reasoning: Every decision needs clear rationale
- Track Performance: Log actual vs predicted outcomes
