AIVAA.
AI Valuation & Analytics Assessment.
Commercial property evaluations in hours, not weeks.
An in-house, audit-ready evaluation built on twelve public and licensed data sources. Three valuation approaches. One transparent report your credit committee can read.
Not an appraisal. AIVAA is a property evaluation consistent with the Interagency Appraisal & Evaluation Guidelines. State-certified appraisals are required for federally-related commercial transactions above $500,000.
Sample AIVAA Report
RadarID PD79DF06
- Subject GLA
- 4,603 sq ft
- Sales Comparison
- $1,031,068
- Cost Approach
- $1,092,349
- Liquidation floor
- $655,409
- Reconciled value
- $1,092,349
How AIVAA works
From submitted address to credit-committee-ready report in under two hours.
Address submitted
Borrower or analyst submits a commercial property address. AIVAA resolves the parcel, ownership, and geography spine.
12-source data synthesis
Pulls PropertyRadar, ATTOM, FRED, BLS, Census ACS, FBI UCR, Shovels.ai, Cloud CMA, OSM and CREquity internal engines into a single record.
Three-approach valuation
Sales Comparison (IQR + clustered comps), Cost Approach (Method B, BLS PPI), Income Approach (cap rate + DSCR). Liquidation stress case included.
Audit-ready PDF
Reconciled value, underwriting outputs (LTV, feasibility, loan sizing), compliance disclosures, and a full input + adjustment audit trail.
What's inside the report
Twelve sections, three valuation approaches, one transparent PDF — built so a credit committee can read it without an analyst translating.
Property identification
Address, parcel ID, legal description, zoning, lot, flood zone, prior transfers.
Physical characteristics
GLA, beds, baths, year built, condition, waterfront / shoreline, permits, renovations.
Market analysis
Census tract, OSM, ATTOM N2 boundaries; ACS demographics; FBI UCR crime; absorption and luxury velocity.
Sales Comparison Approach
IQR outlier screen, k-means clustering, FRED FHFA HPI time-adjustment, GLA / lot / location / waterfront / view adjustments.
Cost Approach
Method B replacement-cost build-up using BLS PPI materials + construction services; depreciation across physical, functional, external.
Income Approach
Market rent, vacancy, OpEx, NOI, cap rate, DSCR, USPAP-style direct capitalization conclusion.
Liquidation / stress case
Forced-sale discount calibrated by the Market Volatility Index. Orderly-liquidation floor for downside underwriting.
Final reconciliation
Weights and reconciles SCA, Cost, and Income indications into a single value with a risk-adjusted band.
Underwriting outputs
LTV, feasibility score, loan-sizing, flag list — handed straight to your credit committee or AI underwriter.
Compliance & disclosures
Scope-of-work statement, data-source disclosures, USPAP-style framing positioned as an IAEG evaluation.
Audit trail
Every input and every adjustment logged with source and timestamp. Reviewable by examiners and credit committees.
Data transparency
Per-source lineage. When a feed is unavailable, AIVAA shows it instead of papering over the gap.
Data spine
Twelve sources, one record
Every AIVAA report is built from these feeds. Public data, licensed APIs, and CREquity's internal modeling engines — all logged in the audit trail.
Why it's different from a traditional appraisal
AIVAA isn't an appraisal replacement above the federal threshold — it's the evaluation that fits below it, and the pre-underwriting layer that fits above it.
| Attribute | Traditional Appraisal | AIVAA Evaluation |
|---|---|---|
| Turnaround | 2–4 weeks (vendor scheduling, site inspection, draft, review) | Under 2 hours, end-to-end |
| Cost | $2,500–$5,000+ per commercial appraisal | Flat platform fee — see /pricing-policy |
| Transparency | PDF deliverable; reviewer-only access to the working file | Every input and adjustment logged in-report with source attribution |
| Audit trail | Workpaper retention is the appraiser's responsibility | Immutable per-source lineage. Examiner-ready by default |
| Data refresh | Static at point of inspection — stale by funding date | Live pull at request time. Re-run any AIVAA in minutes |
| Regulatory framing | USPAP appraisal — required above $500K commercial transactions | IAEG-aligned evaluation — fits ≤$500K + pre-underwriting screening above |
2–4 weeks (vendor scheduling, site inspection, draft, review)
Under 2 hours, end-to-end
$2,500–$5,000+ per commercial appraisal
Flat platform fee — see /pricing-policy
PDF deliverable; reviewer-only access to the working file
Every input and adjustment logged in-report with source attribution
Workpaper retention is the appraiser's responsibility
Immutable per-source lineage. Examiner-ready by default
Static at point of inspection — stale by funding date
Live pull at request time. Re-run any AIVAA in minutes
USPAP appraisal — required above $500K commercial transactions
IAEG-aligned evaluation — fits ≤$500K + pre-underwriting screening above
Frequently asked
Compliance, scope, and methodology — the questions credit officers and bank examiners actually ask.
Ready to see AIVAA on your next commercial deal?
Submit a property — we'll return a sample AIVAA evaluation so you can see the full report structure, audit trail, and reconciled value before you commit to anything.
AIVAA is an evaluation, not an appraisal. State-certified appraisals are required for federally-related commercial real estate transactions above $500,000.