Home Zero · the flow

Onboarding → the compounding loop

The whole journey as screens, in order, on real North Fork Valley data (46 live listings). Two questions born a team; the board sells the extension; a zero rides back as a card; the loop compounds. Each stage notes who the market authored vs. what the advisor authored — the boundary that governs everything.

Market agent — the place / the home (public) Your advisor — you / the questions (private)
Stages 0 · Intro 1 · Place→Market 2 · You→Advisor 3 · Connect 4 · Birth 5 · The board 6 · Get extension 7 · Zero on Zillow 8 · Card lands 9 · Full briefing 10 · The loop
0

Intro — the front door (kept as-is)

The live intro screen, unchanged. A rotating real-listing card sets the tone: this is a team that watches homes for you.
Onboarding modal · screen 0 of 4
delta.homezero.md
Valley land that sold for what it was worth

Home Zero keeps you on top of every home you're watching.

Each morning, your advisor and the market agent read the public record on the homes you like — and brief you on what actually matters.

Who authors what
Nothing captured yet. The float is a market artifact (a real verdict headline), surfaced to signal competence before a single question.
Feedback hook: today the float can fall back to a text-only card when a listing has no image — the real-data rule wants it always real. The Stage 1 reflection fixes this for covered places.
1

Place → the market re-cut + new reflection

The first question's whole job is to nail down the market — not what kind of home you want (that's the advisor, Stage 2). The moment where resolves, the market reflects the place back; then you confirm or widen its boundary, and set the inventory range.
Onboarding modal · screen 1 of 4 · seeds the MARKET
delta.homezero.md

Where are you looking?

This is the one thing your team can't work without — it's how we know which place to read for you.

Your market · reading live
North Fork Valley
Colorado's organic heart — orchards, vineyards, the West Elk wine country, and a strong water-rights & homestead ethos. Buyers here pay for irrigated water and growing acreage, not square footage.
📍 46 homes for sale right now across Paonia · Hotchkiss · Crawford
$769k
Fair price
$300k
Good value
$915k
Real water
Step 1 of 4
Who authors what
Market. Everything here nails down the market — confirm the place, refine its boundary (the boundary is a hypothesis the market sharpens), set the inventory range. The reflection is the market agent's first act. What kind of home you want isn't asked here — that's the advisor (Stage 2) and what your zeros reveal. Budget is shared (market frame + advisor's budget-comfort).
Build truth: the reflection has no producer today — it needs a where→market resolver + a published market-summary doc. That's the same build as fixing the createIntake Delta-hardcode. For an uncovered place there's no count — it's an honest "we'll stand up an agent for your area."
2

You → the advisor re-cut

The second question is about the person — private, never published. This seeds BUYER.md and the advisor's custom yearnings (mother reasons them from these answers).
Onboarding modal · screen 2 of 4 · seeds the ADVISOR
delta.homezero.md

Now — who's this for?

A few things your advisor should know about you. This stays private; it's how it learns to brief you, not anyone else.

🏡Who's moving & why now✓
My partner and I are leaving Denver — we want land we can actually grow food on, room to breathe. No rush, but within a year.
🛠️How much project do you want?✓
Some work is fine — I'd take a solid older home over a flip. Not a gut job.
⏱️Timeline+
🚫Non-negotiables+
✍️Anything else, in your words
Owned water matters more to me than square footage…
Step 2 of 4
Who authors what
Advisor. Everything here is person/private. "Who's this for" is the screen's spine (the richest yearning fuel). A picked card with an edited note = a high-confidence yearning; the free-text is where mother reasons custom ones.
Feedback hook: is two filled cards + free-text the right weight, or do you want a tighter set? The loop is the real instrument — these are just the priors.
3

Connect — optional WhatsApp (kept as-is)

The side-channel. Optional; addable later. Finish → "Building your team…"
Onboarding modal · screen 3 of 4
delta.homezero.md
Get your briefing on WhatsApp

Want your advisor to text you?

Optional — add WhatsApp and your advisor sends live alerts and a morning briefing there. Add it later from your account anytime.

💬
WhatsApp optional
✉️
Emailyou@gmail.com
Connected
Step 3 of 4
Who authors what
Plumbing. The number routes the buyer's DMs to the advisor through the bridge. The briefing (next) is the destination; WhatsApp is where the advisor reaches out.
4

Finish → the team is born (the wait)

One Finish births two agents. Births take minutes — so the board is alive immediately: the advisor greets first while the market comes online behind it.
Greet-first · "market coming online" · no async ping (decision 10)
delta.homezero.md/briefing
Home◎Zero
Briefing
Y
Welcome.
A
A Your advisor
Hi — I'm your advisor. I've read what you told me: leaving Denver, land you can grow on, owned water over square footage. I'm reading the North Fork now and pulling your first homes together.
Your team — being born
A
Your advisor
Knows you — leaving Denver, wants water + land
● Born · live
M
North Fork market agent
Coming online — reading 46 homes across the valley
◌ Coming online…
Who authors what
Advisor greets instantly from the intake alone. The market agent births/attaches behind the relationship. zero-mother seeds both from the two germs.
Build truth: this needs a reactive market-ready flip — when the market finishes, "coming online" → real teasers without a page reload. Without it, decision 10 ("no async ping") silently means a manual refresh. For NFV today the market must be birthed (never done before — gated behind the seed migrator + blockers).
5

The board — the empty state is the onboarding briefing

No tabs, no Saved screen. First sign-in with zero homes zeroed: the advisor introduces the market, shows what it'll learn about you (yearnings, empty bars), and hands you exactly one move.
The one signed-in surface · greet-first
delta.homezero.md/briefing
Home◎Zero
Briefing
Y
Your North Fork briefing
A Your advisor
You're set. Your North Fork market agent is live and watching 46 homes — orchards, water-rights ground, in-town walkables. I'll learn what fits you as you go. Here's how it starts ↓
A What I'm learning about you
Budget comfort
Town vs. land
Owned water — how much it matters
Fixer appetite
These sharpen every time you zero a home. Right now they're just what you told me.
◎
Add the Home Zero button to Zillow
Your briefing fills in when you zero a home — and you zero right where you browse. One click; you're already signed in.
Who authors what
Advisor hosts the surface (greeting, the "what I'm learning" panel). The market supplies the 46-home reality it introduces. The board's one CTA is the extension — because it's the energy source.
Build truth: the board is design (today's signed-in app still has the Saved tab). The "what I'm learning" bars need a public-safe projection of the cell-private yearnings — that projection must be specified or the panel can't render.
6

Get the extension — arming the loop

The board sent them here. Install inherits the web session (no second login). Web-first is canonical; the extension is the energy source, not a side feature.
Chrome Web Store · session inherited via Clerk sync-host
chromewebstore.google.com/…/homezero
◎
Home Zero for Zillow
Zero a home, get the brief. Your advisor + market agent, riding along.
★★★★★ · homezero.md
✓ You're signed in as you@gmail.com — the extension picks up your session automatically. No password, no token.
Who authors what
Neither agent — this is the buyer arming the loop. The session inheritance (Clerk sync-host) is already solved.
Origin caveat (load-bearing): the session inheritance is pinned to delta.homezero.md. The board must live on that same origin, or "install → it's already you" silently breaks.
7

Zero a home on Zillow — the round-trip starts

Browsing Zillow with the extension. The save button is now the ◎ Zero mark, and Home Zero overlays what the market already knows — the public part only. Tapping ◎ rings the market cell.
Zillow + the Home Zero overlay · /api/star writes the zero
zillow.com/homedetails/39865-Nelson-Rd-Paonia-CO
BuyRentSellSaved homes
◎ Zero
$769,000
4 bd · 4 ba · 3,942 sqft · 1994 ranch
39865 Nelson Road, Paonia, CO 81428
◎ Home Zero · what the market agent knows
An honest price on a roomy valley ranch
At $769,000 this 1994 ranch sits close to both the county's valuation and the automated market estimate — a fair, no-trap price. The catch: its headline selling points, water rights and a solar system, can't be confirmed from the public record.
Fair priceWater unconfirmedFreedom № $171k
Who authors what
Market only. The overlay is the market's public read — safe to show on Zillow for any extension user (the growth loop). No advisor, no question, no 👍/👎 here. Tapping ◎ writes savedListings + rings the cell.
This is also the metered moment: free brief quota → the wall → $25/mo. The overlay is the install pitch and the funnel, same spot.
8

…it lands back on your board as a card

Click something in Zillow → it shows up in your briefing. The market wrote the home; the advisor wrote your layer over it — the CliffsNotes lens, the one question, the 👍/👎.
The card = market body + advisor layer · co-authored across Convex
delta.homezero.md/briefing
Home◎Zero
Briefing
Y
Here's what you just handed me — the Nelson Road ranch.
Fair price
M North Fork market agent
An honest price on a roomy valley ranch
$769,000 · 4 bd / 4 ba / 3,942 sqft · 39865 Nelson Road, Paonia
Sits close to both the county's valuation and the automated estimate — a fair, no-trap price. The catch: its headline water rights and solar can't be confirmed from the public record.
A Your advisor · for you
This is the closest thing yet to what you described — room, a valley setting, an honest price. But it leans on water rights and solar the record can't verify, and water is the thing you said matters most.
So — how much does confirmed water matter here? Enough to make me chase down the ditch record before you fall for it, or would you take the seller's word?
Confirmed water is a must I'd take the risk for this
⤢ Open the full briefing
Who authors what
Market wrote the image, headline, blurb (the white card body — public). Advisor wrote the pink layer: the CliffsNotes lens, the one question (your weakest yearning × this home's loudest signal — water), and the 👍/👎. The question is always the advisor's.
9

Expand → the full briefing, with your CliffsNotes floating over it

The market's big document (verdict, scorecard, chapters, 34-layer appendix) — and your advisor's personalized CliffsNotes lens floating above it, where it can ask more.
Market = the briefing · Advisor = the CliffsNotes + questions
delta.homezero.md/paonia/39865-nelson-road
$769,000
39865 Nelson Road, Paonia, CO 81428
4 bd · 4 ba · 3,942 sqft · built 1994 · listed 47 days
M The market's read Fair
An honest price on a roomy valley ranch
At $769,000 this 1994 ranch sits close to both the county's valuation ($742k) and the automated estimate — a fair, no-trap price for the North Fork. The headline selling points, water rights and a solar array, can't be confirmed from the public record; the deed carries no documented ditch right.
Freedom №
$171k income to carry it
Price vs county value
+3.6% — fair
Water rights
Claimed, unconfirmed
Solar
Claimed, not in record
Chapter 1 · The price
No relisting games here — one price cut in 47 days, modest. Compared to the six-cuts-from-$725k pattern next door on Stevens Gulch, this seller read the market right…
A Your advisor · your CliffsNotes
The quick version, for you: fair price, real room, but the water story is unproven — and water's your line. If the ditch right checks out this jumps near the top of your list; if it doesn't, it's just a nice big house at a fair price, which isn't what you came for.
Want me to ask the market agent to pull the actual ditch record before you spend more time on it?
Yes — verify the water Not yet
Who authors what
Market owns the whole left column (the giant briefing + appendix). Advisor owns the floating CliffsNotes — a personalized condensation of that briefing + a follow-up question. Note it can ask the market over agent-comms to verify the water (read-only depth channel).
10

The loop — it compounds

A few zeros in. The board clusters them, the advisor narrates the pattern, and "what I'm learning" fills in — so the next question is sharper and the homes surface better-aimed.
Append · re-cluster + narrate · nightly dream
delta.homezero.md/briefing
Home◎Zero
Briefing
Y
Your North Fork briefing
A Your advisor
Six homes in, a pattern: your first picks were in-town walkables, but the last three reach for acreage with real water. Testing the trade, or did something shift? I've started weighting water-secure land higher.
Reaching for water + acreage
Real water
M Market
Real farm, real water — an ambitious price
$915,000 · 13.8 acres irrigated · senior 1886 ditch right · 42124 Lamborn Mesa Rd
A Your advisor
This is the water you keep circling — a senior 1886 right, confirmed. The price is a stretch and there's one bathroom, but the thing you said matters most is real here.
Is the confirmed water worth stretching budget + living with one bath?
Honest town homes · your earlier picks
Caution
M Market
A real walkable home, chasing the market down
$624,900 · 5 bd · walkable in-town · cut from $750k over 14 months · 57 Cedar Dr
A Your advisor
Walkable and low-hazard — but no land, and it's been chasing the price down for over a year. Reads like the old version of what you wanted.
A What I'm learning about you — sharpening
Owned water — how much it matters
Town vs. land
Budget comfort — stretches for the right land
Fixer appetite
Who authors what
Advisor owns the board's organization — the clusters, the narration, the sharpening bars, every question. Market keeps authoring each home (and its wiki of comps gets denser per zero). The "owned water" yearning has gone from 1 bar to 4 — that's the compounding.
Build truth: the board needs a write contract — single writer (the advisor cell); appends never lost; a re-cluster is a versioned replace that must preserve every card you engaged with.

That's the whole loop, end to end.

Two questions (place→market, person→advisor) → a team born → the board → the extension → a zero on Zillow → it lands back as a card → the loop sharpens. Every stage holds the boundary: the market authors the place & the home; the advisor authors you, the CliffsNotes, and every question. Spec: specs/the-flow.md (the through-line) + specs/surfaces/onboarding.md (the screens). Flags in red are the real build gaps — give feedback per stage.