HomeZero
HomeZero · internal · how it works

Two agents, three
nouns, and how a
market finds its edges.

The plan for spinning HomeZero up almost anywhere in the country — what we stand up the moment someone signs on, what waits, and the one genuinely hard question underneath all of it.

A home tended by unseen helpers

The whole thing in five lines

01The shape

Three agents, three nouns

Every agent is bound to a durable, real-world thing — and the binding is the design. It says who follows you, who knows the place, and who keeps the house honest.

The advisor
The Advisor
bound to a person

Your single point of contact, for life. Follows you across every home you'll ever look at — and the one you'll live in. Knows you, not the market.

stands always
The market agent
The Market agent
bound to a place

The local expert for one market. Holds the public-record spine, knows what anything is worth, and analyzes a home the moment a buyer zeros it. Shared by everyone looking there.

stands always
The home twin
The Home twin
bound to a house

Bound to the building itself, not whoever owns it. The home's own resident intelligence. Born only when a buyer gets serious enough to go scan it.

born on a scan

The binding is also the governance rule: house-facts travel with the twin; person-facts stay private with the advisor.


02Two stand, one is born

Skills, not agents — by default

We used to reach for a new specialist cell every time a buyer needed something (water rights, land, financing). We've stopped. A new capability is a skill the two standing agents carry — not a new agent. Fewer agents is dramatically more manageable; the real cost of a cell isn't compute, it's coordination.

The one test that earns a capability its own agent

Something only becomes its own cell when it passes a single bar:

“Does it dream?”

Our cells consolidate memory nightly — they dream. If a capability has nothing worth sleeping on — no evolving model that gets better over time — it's a skill. A water lookup is a skill. A water desk that's tracked a whole basin all season might be an agent. Even then: build it as a skill first and let it earn promotion.

Its own memory
Something worth consolidating, that compounds.
Its own boundary
A scope that isn't any single market's.
Its own cadence
A clock of its own to run on.
Reuse
Many consumers, not a one-off.
Why this matters for mother The old reason “mother” was a smart Opus agent was to reason out which specialists a buyer needs. Kill specialists and the standing team is always the same two. Mother's brain gets repointed from “what specialists?” to “what place?” — and resolving a fuzzy place into a real market is the genuinely hard reasoning job that makes “spin up anywhere” work.

03Onboarding anywhere

Sign on in Paonia, San Diego, or “Florida somewhere”

The advisor spins up instantly anywhere — it's a person-bound chat agent with no local-data dependency. The market agent is the only heavy birth, and it's only instant where our scrapers already bind. Everywhere else it comes up partial and honest, and the gaps become the work queue.

The national onboarding sequence
the buyer

Sign up & “Where are you looking?”

Location is required — fuzzy is fine. “North County San Diego,” “out near Paonia,” “somewhere on Long Island.”

mother (reasoning)

Resolve the place to a market

Mother turns the fuzzy phrase into a market manifest — a real boundary, which is almost never a county. One market? Or does this split? (this is the hard part →)

mother → births

Birth the advisor

Instant, cheap, works on day one anywhere. Your lifelong point of contact comes online.

mother → births or attaches

Stand up the market agent

If a market cell already covers the place, attach to it. If not, birth one — the only expensive birth in the system.

market agent (at birth)

Run the readiness gate

“Can I actually work here?” It probes whether its scrapers bind to this jurisdiction's records and emits a green/flagged report. Flags = the backfill queue. We go live partial, never pretend a half-sourced market is covered.

the buyer

Get the extension, go zero homes

Install the Chrome extension and start starring (“zeroing”) homes on Zillow. That's the demand signal everything downstream runs on.

Two cells stand up at onboarding — advisor + market. That's the entire standing team. Everything else is a skill they carry.


04The hard part

What is a “market,” exactly?

This is the question the whole product rests on. A market agent obviously can't hold millions of homes — there's a technical ceiling and a logical one. But a county is the wrong unit, and so is a metro. So what bounds a market?

First: what's actually being bounded

The “millions of homes” fear assumes the market agent holds every home. It doesn't. Because we're demand-driven, it only deep-analyzes the homes buyers actually zero, and watches those. The heavy parcel/record data is a shared layer keyed to the record-keeper — queried, not held. So what really sizes a market is the comp model + the watch load: how rich a “what's anything worth here” model one cell can keep current, plus how many live homes it's tracking. Call it the attention budget — roughly a few hundred to a couple thousand active listings, not tens of thousands.

Two forces set every boundary — and they can disagree
Economic coherence

Do the same buyers actually weigh these homes against each other? Comps, schools, commutes, the feel of the place. Don't split a real market.

VS
Attention budget

Can one cell hold it in its head and keep it current and still sound like a local? Don't let it sprawl.

When a market outgrows the budget, it splits. When one goes idle, it merges with a neighbor.

The county is the wrong unit — three ways to see it

1 county (assessor) Coastal Inland
1 jurisdiction → 2 markets
San Diego County

Coastal North County (beach, premium, walkable) and inland (big lots, wildfire backcountry) are different buyer worlds inside one assessor.

3 counties North Fork Valley
3 jurisdictions → 1 market
The North Fork Valley

Paonia–Hotchkiss–Crawford is one market — orchards, water, off-grid, remote work — that crosses three county lines.

“county” — empty boundary the town keeps the records
the record-keeper isn't a county
Foster, Rhode Island

RI abolished county government in 1842. The town does assessment and deeds. The whole Colorado water layer is irrelevant; new local layers replace it.

“Recording jurisdiction” (who publishes the records — county, town, parish) is plumbing, shared. The market is the agent's identity, sized by attention, not by an administrative line.


05Finding the edges

You don't guess the boundary — you earn it

This is the move that dissolves the whole problem: spin up a skinny market agent fast on a rough boundary, then let the boundary sharpen over time. The edge is a living hypothesis, seeded cheap and proven by demand — across three timescales.

v0
seconds · at birth

Cheap priors

Mother guesses a provisional boundary — one Zillow region, a few ZIPs, a school district — plus a confidence. Good enough to start advising immediately.

confidence · rough
v1
days–weeks · structural canvass

Read the structure

A one-time, cheap pass over free national data — not a listing scrape. Price-series clustering, school zones, commute sheds, migration. Proposes a real manifest.

confidence · structural
v∞
ongoing · revealed by demand

The buyers tell us

The best signal no dataset has: which homes do the same buyers zero? Co-consideration is the market. The agent reshapes its boundary — splits, merges — from real behavior.

confidence · empirical

The v1 canvass, concretely — clustering ZIP price curves

The strongest purely-structural signal, and it's free and national: pull each ZIP's home-value time series and see whose curves move together. ZIPs that rise and dip in lockstep are one market; a curve that goes its own way is an edge.

ZIP-level price index over time — correlation reveals the market
ZIPs that move together → one market a ZIP on its own trajectory → a different market
Who owns the boundary Mother sets v0 from priors — she has to, before any cell exists, to decide birth-or-attach. The market agent owns v1 and v∞: refinement lives in its own manifest and memory, and it calls mother back only when a split or merge means birthing a sibling cell.

The other v1 layers stack on top of price clustering: school attendance zones (buyers substitute hard within a district, rarely across), commute and labor sheds (where people live-vs-work bounds “where else would I live”), migration flows (revealed substitution at the macro scale), and plain physical geography — a mountain pass, a coastline, a freeway is often the literal wall. Cluster them, propose a manifest, flag “this is really three markets.”


06From zero to twin

When does a home get its own agent?

Almost never at the moment it's zeroed. A casual Zillow star is the weakest possible signal and most never convert — birthing a cell for each would be madness. The market agent carries every zeroed home cheaply. A home earns its own cell only when the buyer goes to touch it in person.

The demand pipeline — where a cell is born, and where one isn't
Buyer zeros a home

Stars a listing on Zillow via the extension. A demand signal enters the system.

rings the market agent · no new cell
Market agent analyzes

One Zillow detail fetch + the public-record layers → a full Brief. The advisor turns it into a take that means something to this buyer.

watches the home · still no cell
Carried & watched

The market agent watches price, status, and distress until the home sells or delists. The buyer keeps looking. Could be one home or fifty — all cheap.

strong signal → a cell is born
Buyer scans the home

This is the birth. The buyer goes to walk it, photograph it, record it — collecting new ground-truth no scraper can get. Now the home twin is born: it ingests the scan and becomes the home's resident intelligence.

Why the scan is the right trigger The scan is the first moment a home has private data of its own — something to dream on. That's the same “does it dream?” test from up top. Before the scan there's nothing to consolidate; after it, there is. The “pass-off” you might imagine between market agent and twin is really just this: the market agent carries the home until there's a reason for it to have a mind of its own.

07Where we are today

The fleet, cleaned up

We just cleared the specialist cells and a duplicate. What's left is the two-agent spine plus the Delta County reference build we keep around to harvest skills from. The naming rule: everything in this project starts with zero-; anything else belongs to the platform or another project.

CellWhat it isStatus
zero-motherBirths the team; brain being repointed from “what specialists?” to “what place?”keep · redo
zero-delta-co-marketThe productized market agent — the template we'll stamp out elsewherekeep · redo
delta-marketThe rich Delta prototype (≈50 data layers) — reference; harvest its skillskeep · redo
zero-abstractorNational parcel-resolver (listing ↔ parcel join)keep
zero-pulseHeartbeat / scheduled wakeups for the zero fleetkeep
zero-delta-co-landSpecialty cell — the path we're abandoningkilled
zero-delta-co-water-rightsSpecialty cell — the path we're abandoningkilled
abstractorDuplicate of zero-abstractorkilled
mother · pulsePlatform / system cells (run the whole fleet)not ours
tend-advisor-peteA different project entirely (Tend)other project

The open questions worth chewing on