Read the fine print before you sign. Our AI rapidly analyzes your New York Transfer Disclosure Statement (TDS), Natural Hazard Disclosure (NHD), and HOA documents.
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Our hybrid AI checks for 40+ specific risk points in minutes, including handwritten notes and buried legal clauses.
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Texas is a highly regulated real estate market. Sellers must provide a mountain of paperwork, from the Transfer Disclosure Statement (TDS) to Natural Hazard Disclosures (NHD).
Buried in those hundreds of pages are critical details about wildfire zones, Mello-Roos taxes, and unpermitted additions. In a fast-moving market, you need to spot these issues quickly to negotiate effectively or protect your investment.
Unwildered acts as your assistant, scanning every page of your disclosure package to highlight the details that matter most to Texas buyers.
New York real estate—especially in the "Empire City" and its surrounding boroughs—is unlike any other market in the world. Between the complex landscape of "Co-ops" and "Condos" and the fact that New York is a strict "Attorney State," the due diligence process is both formal and formidable. Whether you are buying a pre-war walk-up in Brooklyn, a loft in SoHo, or a home in Westchester, the details are buried in thousands of pages of text.
In New York, real estate agents help find the home and agree on a price, but attorneys handle the contract and the closing.
• The Binder vs. The Contract: In NYC, you make an "Offer" (sometimes called a Binder), but nothing is binding until a formal contract is signed by both parties.
• The Due Diligence Gap: Between the offer and the contract signing (usually 5-10 days), your attorney is supposed to perform "Due Diligence." However, attorneys are busy. Unwildered acts as the "First Responder," scanning the massive Co-op board minutes and offering plans before you even write your attorney a retainer check.
In NYC, roughly 75% of apartments are Co-ops. You aren't buying the unit; you're buying "shares" in a corporation and a "Proprietary Lease."
• Board Minutes: This is the "Secret History" of the building. Unwildered scans these for mentions of:
• Bedbugs: Legally required to be disclosed in NYC.
• Noisy Neighbors: Ongoing "nuisance" complaints that could ruin your quality of life.
• Infrastructure Failures: Mention of a "boiler replacement" or "elevator modernization" that will lead to a Special Assessment.
• Financial Statements: We look for the "Building Reserves." If the building has no cash and a big tax bill coming, a "Maintenance Increase" is inevitable.
The Property Condition Disclosure Statement (PCDS) is the primary form for residential homes.
• The $500 Credit: Historically, NY sellers could pay a $500 credit to the buyer to *avoid* filling out this form. This was common in NYC but changed recently to favor more transparency. Unwildered flags if a seller is attempting to bypass disclosures.
• Lead Paint (Local Law 1): In NYC, for buildings built before 1960, landlords and sellers have strict rules. We flag any "Violation" history related to lead or mold.
• Offering Plan and Amendments: These are massive 300+ page documents. The "Amendments" are where the real news is—updates on building rules, budget changes, or changes in the management company. Unwildered abstracts these instantly.
• Flip Taxes: Many Co-ops charge a "Flip Tax" (a transfer fee) upon sale. This can be 1-3% of the sales price. We flag who is responsible (Buyer or Seller) based on the bylaws.
• Litigation History: Is the building suing a contractor for a leaky roof? Or is it being sued by a neighbor? Ongoing litigation can make a building "un-financeable" for many banks.
Real estate rules change the moment you cross the bridge.
• Mansion Tax: Any residential sale over $1 million triggers a 1% (or higher) tax paid by the buyer.
• HDFC Co-ops: These are income-restricted buildings. The price looks low ($300k for a 2-bedroom), but if you earn more than ~120% of the Area Median Income, the board will reject you.
• Peconic Bay Tax: A 2% transfer tax on most real estate transfers in the five eastern towns of Long Island.
• Rental Permits: Towns like Southampton are aggressive about illegal short-term rentals. We check the Certificate of Occupancy against the rental listing history.
• Well & Septic: Outside the city, you are likely on your own for water and waste. We look for "coliform bacteria" tests and "tank pumping receipts" in the closing docs.
Our NY-specific engine focuses on:
1. Co-op/Condo Board Minute Analysis: We turn 3 years of handwritten and typed meeting notes into a 1-page "Red Flag Summary."
2. Title Report Scrubbing: We look for NYC-specific liens (e.g., unpaid EBC/HPD violations) that must be cleared before closing.
3. Lease Abstracting: For investment properties, we scan the "Rent Roll" and "Proprietary Lease" for terms that limit your ability to sublet.
In New York, your agent or the listing's "Managing Agent" will provide the "Offering Plan" and "Board Minutes."
Ask your agent: *"Can you get me the 'Offering Plan with all Amendments' and the last 3 years of 'Board Minutes' as PDFs? I'm going to run them through Unwildered for a pre-attorney risk audit."*
Don't pay $800 for a 3-day attorney review. Get a forensic report in 10 minutes.
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