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Addendum D / Real Estate

Real Estate Addendum

Property identification, portfolio verification, appraisal support, and mortgage lending workflows.

Sector Agreements
5 sectors
01LE MSA

Law Enforcement

Criminal investigations, missing persons, and authorized agency workflows.

Open agreement→
02Addendum A

Insurance

Claims verification, fraud detection, SIU support, and CAT assessment.

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03Addendum B

Journalism & Media

Image verification, OSINT journalism, and misinformation research.

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04Addendum C

Security & Investigations

Corporate security, licensed PI, and civil litigation support.

Open agreement→
05Addendum D

Real Estate & Property

Property matching, appraisal support, and mortgage lending verification.

Open agreement→

Authorized Uses

  • —Match interior/exterior images to stated property address in mortgage origination
  • —Detect property fraud — confirm submitted images match the claimed property
  • —Detect occupancy fraud — verify owner-occupancy certification photos
  • —Support CMBS and bulk loan acquisition portfolio verification
  • —Confirm comp photos in appraisal reports depict the stated comparable properties

Required Disclaimer Language

Lending Use Disclaimer (Recommended)

“Property image verification for this file was supported by Oceanir's model-assisted Property Intelligence system. The analysis [CONFIRMED / RAISED A QUESTION ABOUT] the identity of property images submitted in connection with [LOAN / APPRAISAL / TRANSACTION] No. [NUMBER]. This verification was reviewed by [REVIEWER NAME, NMLS/LICENSE #] on [DATE] and is one component of the overall due diligence process.”

Appraisal Use Disclaimer (Required)

“Geographic and property verification of images included in this appraisal report was supported by Oceanir, an image analysis system built on machine-learning models. Verification results were reviewed by the undersigned licensed appraiser as part of the appraisal process and are not independently determinative of property identity, condition, or value.”

Regulatory Compliance Framework

  • —USPAP — disclose AI tools used in the appraisal process
  • —FIRREA — appraisal review requirements for lending
  • —FNMA/FHLMC — guidelines on property verification
  • —TRID — consumer disclosure if AI analysis affects loan terms
  • —Fair Housing Act — geo-verification must not be applied in a discriminatory manner

Pricing — Real Estate & Property

Tier
Volume
Annual fee
Effective rate
Individual Appraiser
300 verifications/yr
$900
$3.00/verification
Appraisal Firm / AMC
2,000 verifications/yr
$4,500
$2.25/verification
Mortgage Lender
Volume-based
$0.50-$1.50/loan file
per file
Portfolio / CMBS
Bulk transaction
Custom
per-asset or per-transaction
Property Intelligence API
Direct integration
Custom
contact enterprise@
Oceanir

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By Use Case

  • 01
    Crime Scene AnalysisGeo + Property workflow
  • 02
    Vehicle RecoveryStingray + Geo workflow
  • 03
    Claim VerificationGeo + Property workflow
  • 04
    Missing PersonsGeo-estimation workflow
  • 05
    Organized Retail CrimeStingray + Geo workflow
  • 06
    Media AuthenticationGeo-estimation workflow

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