ClearAVM™ —
automated valuation model

ClearAVM differs from other AVMs by integrating computer vision AI to score qualitative property condition and quality. While standard AVMs have blind spots regarding property upkeep, ClearAVM analyzes billions of interior and exterior photos to prevent under-valuing updated homes.

• Image-Derived AI: Ingests computer vision insights from Restb.ai, analyzing over 2 billion property images monthly.
• Standardized Ratings: Generates standard C1–C6 condition and Q1–Q6 quality ratings for both subject properties and market comparables.
• Higher Accuracy: Delivers 3.8% more valuations within 10% of fair market value compared to models relying solely on public tax and deed records.

An AVM provides an automated, instantaneous valuation using algorithmic data, while an appraisal requires an on-site physical inspection by a licensed human appraiser. AVMs serve high-volume lending and screening, whereas full appraisals are reserved for complex transactions or high-risk originations.

• Turnaround & Delivery: ClearAVM generates immediate reports via API or the CLEAR™ Portal; traditional appraisals typically take several business days to weeks.
• Cost Efficiency: AVMs cost a fraction of a full appraisal, making them ideal for prequalification, home equity lines of credit (HELOCs), and portfolio reviews.
• Inspection Depth: Human appraisers walk through homes in person, whereas ClearAVM analyzes image-derived data and comparable sales to verify condition remotely.

ClearAVM demonstrates lending-grade accuracy with a 2.3% median variance from sale values nationwide. Every report includes a proprietary Confidence Score based on the Forecast Standard Deviation (FSD), predicting the statistical reliability of the valuation.

• Zero-Cost Threshold Filtering: Set a custom Confidence Score minimum—if a property does not meet your required threshold, you do not receive or pay for the report.
• Benchmark Performance: Consistently places a higher percentage of properties within 10% of true market transactions due to its hourly data updates.
• Comprehensive Validation: Ranks and compares thousands of active listings and off-market comps against 60+ distinct property data fields.

ClearAVM is powered by hourly updated data covering more than 120 million U.S. properties across both disclosure and non-disclosure states. It blends verified public records, MLS feeds, deed transfers, and image-derived condition analysis.

• Coverage: Comprehensive national coverage spanning single-family residences, condos, and multi-unit properties.
• Non-Disclosure Solutions: Advanced modeling infers accurate values in non-disclosure states using surrounding transactional patterns and macro-market trends.
• Restb.ai Visual Analysis: Property photos supply architectural, room-level, and exterior quality signals that standard county recorders omit.

Lenders and investors use AVMs when they require fast, cost-effective, and objective property valuations across the loan lifecycle. Common use cases include mortgage loan prequalification, HELOC underwriting, loan-to-value (LTV) verification, and bulk secondary market portfolio pricing.

• Originations: Establish early LTV checks to avoid disruptions caused by late-stage appraisal shortfalls.
• Home Equity Lending: Support end-to-end decisions from initial prequalification through closing using a single, consistent valuation tool.
• Capital Markets: Screen and price bulk whole-loan portfolios rapidly by importing C1–C6 property condition ratings directly via API.

ClearAVM reports can be integrated directly into loan origination systems (LOS) via the Property Analytics API or generated on demand as a PDF through the CLEAR™ Portal.

• Instant Single Orders: Order standalone reports on demand via the web portal for immediate review.
• API Integration: Automated high-volume batch ordering and raw data delivery designed for underwriting workflows and capital market models.
• Report Contents: Every delivery includes the automated value, Confidence Score/FSD, C1–C6/Q1–Q6 scores, mapped comps, and supporting market trend data.