@ -83,60 +83,58 @@ comparisons (Berlin $333/mo vs Austin $1,500/mo).
------
## The Data Sources## Data Sources
### ACTRIS / Unlock MLS — January 2026 (Austin TX)**User's own property data** — stored in SQLite,
persists across sessions, full CRUD via natural language
- 7 counties: City of Austin, Travis County, Williamson County, Hays County,
Bastrop County, Caldwell County, Austin-Round Rock-San Marcos MSA**Ghostfolio portfolio API** — live investment holdings,
- Provided by the developer — a licensed Austin real estate agent (ACTRIS member)total value, performance data
- Fields: ListPrice, DaysOnMarket, MonthsOfInventory, MedianRentMonthly,
CloseToListRatio, PendingSalesYoY, ClosedSalesYoY, AffordabilityScore**Federal Reserve Survey of Consumer Finances 2022** —
- Schema follows RESO Web API naming — live API swap requires zero refactoringwealth percentile benchmarks by age group (public data)
- Footer appended to every Texas response:
`📊 Source: ACTRIS/Unlock MLS · January 2026 · Verified by licensed Austin real estate agent` **US Dept of Labor + Care.com 2024** — childcare cost
estimates for family planning feature (background data)
**Key January 2026 figures:**
**ACTRIS/Unlock MLS January 2026** — Austin TX market
| Market | Median Price | DOM | Months Inventory | Rent/mo |data available as background context when asked
| ----------------- | ------------ | --- | ---------------- | ------- |(provided by developer, licensed Austin real estate agent)
| City of Austin | $522,500 | 82 | 3.9 | $2,100 |
| Travis County | $445,000 | 87 | 3.9 | $2,100 |
| Austin MSA | $400,495 | 89 | 4.0 | $2,000 |
| Williamson County | $403,500 | 92 | 3.5 | $1,995 |
| Hays County | $344,500 | 86 | 4.4 | $1,937 |
| Bastrop County | $335,970 | 109 | 5.8 | $1,860 |
| Caldwell County | $237,491 | 73 | 8.4 | $1,750 |
### Teleport API (global — 200+ cities, free, no auth)
- Endpoint: `api.teleport.org`
- Covers: cost of living, housing costs, quality of life scores for cities
worldwide including US, Europe, Asia, Australia, Canada, Latin America
- Functions: `search_city_slug()` + `get_city_housing_data()`
- Returns normalized schema compatible with Austin ACTRIS data structure
- Fallback: hardcoded data for 23 major cities if API unavailable
- Used by wealth_bridge for COL-adjusted salary calculations
### Ghostfolio Portfolio API
- Live portfolio holdings, total value, performance metrics
- Connected via bearer token auth (per-user, passed from Angular frontend)
- Used to calculate real purchasing power for down payment analysis
------
## The Impact## The Impact
A user asks: "I have a $150k offer in Berlin, I makeThe app solves a real problem: most people have money
$120k in Austin, I have $94k invested, I want kids inin both investments and real estate but no single place
2 years — should I go?" The agent reads their liveto see the complete picture or run scenarios on their
portfolio, calculates real purchasing power of the Berlinown numbers.
offer, shows the relocation runway, compares German
childcare ($333/mo) vs Austin ($1,500/mo), checks theirA user adds their home (bought $400k, worth $480k,
wealth position vs Fed Reserve peers, and returns amortgage $310k) and immediately sees $170k equity
complete recommendation with tradeoffs — in onetracked alongside their $94k investment portfolio —
conversation using live data from three sources.total net worth $264k in one view.
They then ask: "What if I buy a home every 2 years
for the next 10 years and rent the previous one?"
The agent asks what appreciation and rent assumptions
they want to use — because we do not guess at numbers
for markets we cannot verify. The user says "moderate
— 4% appreciation." The agent runs the projection using
their actual portfolio balance, their income, and their
assumptions — and returns a year-by-year picture of
what their net worth could look like at retirement.
This is a conversation people pay financial advisors
hundreds of dollars per hour to have. This app does it
in 30 seconds — honestly, with the user's own numbers,
and with clear disclaimers about what is a projection
vs a prediction.
No market data promises. No city comparisons we cannot
stand behind. Just the user's numbers, their assumptions,
and honest math.
------
@ -150,23 +148,23 @@ Four rows of suggestion chips, visible before first message:
- ⚠️ Any concentration risk?- ⚠️ Any concentration risk?
- 💰 Estimate my taxes- 💰 Estimate my taxes
**Row 2 — Real Estate (when `enableRealEstate=true` ):****Row 2 — Property Tracking (when `enableRealEstate=true` ):**
- 🏠 Austin under $500k - 🏠 Add my home to track equity
- 📊 Austin vs Denver - 📊 Show my total net worth
- 🏘️ SF snapshot - 💰 What are my equity options?
**Row 3 — Wealth Bridge (when `enableRealEstate=true` ):****Row 3 — Life Decisions (when `enableRealEstate=true` ):**
- 💰 Can my portfolio buy a house?- 💰 Can my portfolio buy a house?
- ✈️ Is my job offer a real raise ?- ✈️ I have a job offer — is it worth it ?
- 🌍 Cost of living in Tokyo - 🌍 How long until I'm stable if I move?
**Row 4 — Life Decisions (when `enableRealEstate=true` ):****Row 4 — Strategy (when `enableRealEstate=true` ):**
- ⏱️ How long to feel stable if I move?
- 📊 Am I ahead or behind financially?- 📊 Am I ahead or behind financially?
- 👶 Can I afford to have kids?- 👶 Can I afford to have kids?
- 🏘️ What if I buy a house every 2 years?
------
@ -228,21 +226,17 @@ family_planner.py
## Evals & Verification## Evals & Verification
- **115 passing tests total **- **100 fast-passing tests (deterministic, no network) **
- Tests by feature:- Tests by feature:
- Down payment power at $94k portfolio - 60 portfolio tests (holdings, performance, tax, compliance)
- Small portfolio cannot afford safe down payment - 13 property tracker tests (full CRUD cycle, equity, net worth)
- Seattle $180k offer is NOT a real raise vs Austin $120k - 7 real estate strategy simulator tests (user assumptions, presets, disclaimer)
- SF $250k offer IS a real raise vs Austin $80k - 4 property onboarding tests (add, list, net worth, graceful empty)
- Global city (London) comparison returns all required fields
- Full property CRUD cycle (CREATE → READ → UPDATE → DELETE)
- Net worth combines portfolio + real estate equity correctly
- Teleport fallback works when API unavailable
- 5 relocation runway tests (runway calculator)
- 6 wealth gap visualizer tests (Fed Reserve benchmarks) - 6 wealth gap visualizer tests (Fed Reserve benchmarks)
- 5 life decision advisor tests (tool orchestration)
- 4 equity unlock advisor tests (3-option analysis) - 4 equity unlock advisor tests (3-option analysis)
- 6 family financial planner tests (global childcare data) - 6 family financial planner tests (global childcare data)
- Additional async integration tests (wealth bridge, relocation runway,
life decision advisor) that require network access
- LangSmith tracing active at smith.langchain.com- LangSmith tracing active at smith.langchain.com
- `/real-estate/log` observability endpoint- `/real-estate/log` observability endpoint
- Structured error codes on all tool failures (`REAL_ESTATE_PROVIDER_UNAVAILABLE`,- Structured error codes on all tool failures (`REAL_ESTATE_PROVIDER_UNAVAILABLE`,
@ -254,29 +248,32 @@ family_planner.py
## New Files Added in This Submission## New Files Added in This Submission
| File | Purpose || File | Purpose |
| ------------------------------------------- | ------------------------------------------------------ || ------------------------------------------- | ----------------------------------------------------------------- |
| `agent/tools/teleport_api.py` | Global city COL + housing data (200+ cities) || `agent/tools/teleport_api.py` | Global city COL + housing data (200+ cities) |
| `agent/tools/wealth_bridge.py` | Down payment power + job offer COL calculator || `agent/tools/wealth_bridge.py` | Down payment power + job offer COL calculator |
| `agent/tools/relocation_runway.py` | Month-by-month stability timeline for any relocation || `agent/tools/relocation_runway.py` | Month-by-month stability timeline for any relocation |
| `agent/tools/wealth_visualizer.py` | Fed Reserve wealth benchmarks + retirement projection || `agent/tools/wealth_visualizer.py` | Fed Reserve wealth benchmarks + retirement projection |
| `agent/tools/life_decision_advisor.py` | Orchestrates tools into complete life decision verdict || `agent/tools/life_decision_advisor.py` | Orchestrates tools into complete life decision verdict |
| `agent/tools/family_planner.py` | Financial impact of children for 25+ cities worldwide || `agent/tools/family_planner.py` | Financial impact of children for 25+ cities worldwide |
| `agent/evals/test_wealth_bridge.py` | 8 tests for wealth bridge features || `agent/tools/realestate_strategy.py` | Multi-property buy-and-rent strategy simulator (user assumptions) |
| `agent/evals/test_relocation_runway.py` | 5 tests for relocation runway calculator || `agent/evals/test_wealth_bridge.py` | Integration tests for wealth bridge features |
| `agent/evals/test_wealth_visualizer.py` | 6 tests for wealth gap visualizer || `agent/evals/test_relocation_runway.py` | Integration tests for relocation runway calculator |
| `agent/evals/test_life_decision_advisor.py` | 5 tests for life decision advisor || `agent/evals/test_wealth_visualizer.py` | 6 tests for wealth gap visualizer |
| `agent/evals/test_equity_advisor.py` | 4 tests for equity unlock advisor || `agent/evals/test_life_decision_advisor.py` | Integration tests for life decision advisor |
| `agent/evals/test_family_planner.py` | 6 tests for family financial planner || `agent/evals/test_equity_advisor.py` | 4 tests for equity unlock advisor |
| `agent/data/` | SQLite database directory for property persistence || `agent/evals/test_family_planner.py` | 6 tests for family financial planner |
| `BOUNTY.md` | This file || `agent/evals/test_realestate_strategy.py` | 7 tests for strategy simulator (user assumptions, presets) |
| `agent/evals/test_property_onboarding.py` | 4 tests for property onboarding flow |
| `agent/data/` | SQLite database directory for property persistence |
| `BOUNTY.md` | This file |
## Modified Files## Modified Files
| File | Change || File | Change |
| ---------------------------------------- | -------------------------------------------------------- || ---------------------------------------- | --------------------------------------------------------------- |
| `agent/tools/real_estate.py` | Expose real ACTRIS data_source in responses + TX footer || `agent/tools/real_estate.py` | Expose real ACTRIS data_source in responses + TX footer |
| `agent/tools/property_tracker.py` | Full SQLite CRUD + analyze_equity_options function || `agent/tools/property_tracker.py` | Full SQLite CRUD + analyze_equity_options function |
| `agent/graph.py` | Routes for all 5 new features + wealth bridge + property || `agent/graph.py` | Strategy simulator routing + assumption extraction + onboarding |
| `apps/client/.../ai-chat.component.html` | Row 3 wealth bridge chips + Row 4 life decision chips || `apps/client/.../ai-chat.component.html` | Personal tracking chips replacing market data chips |
| `apps/client/.../ai-chat.component.scss` | Amber gold (Row 3) + purple/violet (Row 4) chip styling || `apps/client/.../ai-chat.component.scss` | Amber gold (Row 3) + purple/violet (Row 4) chip styling |
Priyanka Punukollu
1 month ago