LUCENT KISS Report · Confidential
Buyer KISS Report
Know what a home is worth, what it really costs each month, and where you have leverage.
48 Larkspur Lane, Glendale, CA (fictional listing)Generated Illustrative Sample Data
01
Executive summary
Total monthly cost
$10,293
Principal & interest
$8,343
Down payment
$330,000
Loan amount
$1,320,000
02
Property overview
Modeled value range · medium confidence
$1,585,000
$1,520,000$1,640,000
How was this calculated?
Midpoint of four sample comparable sales adjusted for size and condition. Market intelligence, not a licensed appraisal. Live valuations need a licensed valuation provider, which is not connected yet.- Type
- Single-family
- Year built
- 1974
- Living area
- 1,980 sf
- Beds / baths
- 3 / 2
- Lot
- 6,200 sf
- Parcel
- SAMPLE-0048
- Property tax / yr
- Data unavailable
- Transaction
- Asking $1.65M · 19 days on market
03
Market intelligence
Median sale price (90 days)
$1.58M
Median days on market
21
Active competing listings
9
Listings with price reductions
2 of 9
AddressSoldPrice$ / sfNote
Sample Comp A (fictional)0.3 miAug 2026$1,537,450$817Similar condition
Sample Comp B (fictional)0.5 miJul 2026$1,648,400$785Renovated kitchen
Sample Comp C (fictional)0.8 miJun 2026$1,474,050$760No pool, busier street
Sample Comp D (fictional)0.6 miMay 2026$1,600,850$809Comparable lot
04
Financials and assumptions
- Property tax / mo
- $1,650
- Insurance / mo
- $300
- HOA / mo
- $0
- Mortgage insurance / mo
- $0
- Illustrative closing costs (2%)
- $33,000
- Cash to close (down + 2%)
- $363,000
Inputs: price 1650000 · downPct 20 · ratePct 6.5 · years 30 · taxRatePct 1.2 · insuranceYr 3600 · hoaMo 0 · pmiPct 0.5 (user-provided or sample defaults).
05
Scenario comparison
Offer below asking
$1,584,000
Offer at asking
$1,650,000
Offer above asking
$1,683,000
06
Insights, opportunities and risks
The asking price is above the median of the selected comparable sales. Review differences in size, condition and location before deciding on an offer.
Why flaggedAsking $1.65M vs. comp median about $1.58M. · Sample data, updated Oct 2026.
- Asking price sits above the comparable median.
- Inspection, permit and insurance items require verification.
07
Recommended next steps
- Get a fully underwritten pre-approval
- Order inspection and permit review
- Set your walk-away price
08
Sources and methodology
- Modeled estimates: LUCENT calculators (standard amortization, NOI, cap rate on purchase price, cash-on-cash on total cash invested).
- User-provided: mortgage, fees, rent and cost assumptions.
- Sample data: property facts and comparables in this report are fictional.
- Live records: Regrid parcels and U.S. Census/USGS/FEMA power live reports at /analyze.
Market intelligence, not a licensed appraisal, legal, lending or investment advice. No outcome is guaranteed.
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Type or tap the microphone in her panel to speak. She uses your current assumptions.