@ -83,60 +83,58 @@ comparisons (Berlin $333/mo vs Austin $1,500/mo).
---
## The Data Sources
### ACTRIS / Unlock MLS — January 2026 (Austin TX)
- 7 counties: City of Austin, Travis County, Williamson County, Hays County,
Bastrop County, Caldwell County, Austin-Round Rock-San Marcos MSA
- Provided by the developer — a licensed Austin real estate agent (ACTRIS member)
- Fields: ListPrice, DaysOnMarket, MonthsOfInventory, MedianRentMonthly,
CloseToListRatio, PendingSalesYoY, ClosedSalesYoY, AffordabilityScore
- Schema follows RESO Web API naming — live API swap requires zero refactoring
- Footer appended to every Texas response:
`📊 Source: ACTRIS/Unlock MLS · January 2026 · Verified by licensed Austin real estate agent`
**Key January 2026 figures:**
| Market | Median Price | DOM | Months Inventory | Rent/mo |
| ----------------- | ------------ | --- | ---------------- | ------- |
| 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
## Data Sources
**User's own property data** — stored in SQLite,
persists across sessions, full CRUD via natural language
**Ghostfolio portfolio API** — live investment holdings,
total value, performance data
**Federal Reserve Survey of Consumer Finances 2022** —
wealth percentile benchmarks by age group (public data)
**US Dept of Labor + Care.com 2024** — childcare cost
estimates for family planning feature (background data)
**ACTRIS/Unlock MLS January 2026** — Austin TX market
data available as background context when asked
(provided by developer, licensed Austin real estate agent)
---
## The Impact
A user asks: "I have a $150k offer in Berlin, I make
$120k in Austin, I have $94k invested, I want kids in
2 years — should I go?" The agent reads their live
portfolio, calculates real purchasing power of the Berlin
offer, shows the relocation runway, compares German
childcare ($333/mo) vs Austin ($1,500/mo), checks their
wealth position vs Fed Reserve peers, and returns a
complete recommendation with tradeoffs — in one
conversation using live data from three sources.
The app solves a real problem: most people have money
in both investments and real estate but no single place
to see the complete picture or run scenarios on their
own numbers.
A user adds their home (bought $400k, worth $480k,
mortgage $310k) and immediately sees $170k equity
tracked alongside their $94k investment portfolio —
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?
- 💰 Estimate my taxes
**Row 2 — Real Estate (when `enableRealEstate=true` ):**
**Row 2 — Property Tracking (when `enableRealEstate=true` ):**
- 🏠 Austin under $500k
- 📊 Austin vs Denver
- 🏘️ SF snapshot
- 🏠 Add my home to track equity
- 📊 Show my total net worth
- 💰 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?
- ✈️ Is my job offer a real raise ?
- 🌍 Cost of living in Tokyo
- ✈️ I have a job offer — is it worth it ?
- 🌍 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?
- 👶 Can I afford to have kids?
- 🏘️ What if I buy a house every 2 years?
---
@ -228,21 +226,17 @@ family_planner.py
## Evals & Verification
- **115 passing tests total **
- **100 fast-passing tests (deterministic, no network) **
- Tests by feature:
- Down payment power at $94k portfolio
- Small portfolio cannot afford safe down payment
- Seattle $180k offer is NOT a real raise vs Austin $120k
- SF $250k offer IS a real raise vs Austin $80k
- 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)
- 60 portfolio tests (holdings, performance, tax, compliance)
- 13 property tracker tests (full CRUD cycle, equity, net worth)
- 7 real estate strategy simulator tests (user assumptions, presets, disclaimer)
- 4 property onboarding tests (add, list, net worth, graceful empty)
- 6 wealth gap visualizer tests (Fed Reserve benchmarks)
- 5 life decision advisor tests (tool orchestration)
- 4 equity unlock advisor tests (3-option analysis)
- 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
- `/real-estate/log` observability endpoint
- Structured error codes on all tool failures (`REAL_ESTATE_PROVIDER_UNAVAILABLE`,
@ -255,28 +249,31 @@ family_planner.py
## New Files Added in This Submission
| File | Purpose |
| ------------------------------------------- | ------------------------------------------------------ |
| ------------------------------------------- | ----------------------------------------------------------------- |
| `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/relocation_runway.py` | Month-by-month stability timeline for any relocation |
| `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/family_planner.py` | Financial impact of children for 25+ cities worldwide |
| `agent/evals/test_wealth_bridge.py` | 8 tests for wealth bridge features |
| `agent/evals/test_relocation_runway.py` | 5 tests for relocation runway calculator |
| `agent/tools/realestate_strategy.py` | Multi-property buy-and-rent strategy simulator (user assumptions) |
| `agent/evals/test_wealth_bridge.py` | Integration tests for wealth bridge features |
| `agent/evals/test_relocation_runway.py` | Integration tests for relocation runway calculator |
| `agent/evals/test_wealth_visualizer.py` | 6 tests for wealth gap visualizer |
| `agent/evals/test_life_decision_advisor.py` | 5 tests for life decision advisor |
| `agent/evals/test_life_decision_advisor.py` | Integration tests for life decision advisor |
| `agent/evals/test_equity_advisor.py` | 4 tests for equity unlock advisor |
| `agent/evals/test_family_planner.py` | 6 tests for family financial planner |
| `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
| File | Change |
| ---------------------------------------- | -------------------------------------------------------- |
| ---------------------------------------- | --------------------------------------------------------------- |
| `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/graph.py` | Routes for all 5 new features + wealth bridge + property |
| `apps/client/.../ai-chat.component.html` | Row 3 wealth bridge chips + Row 4 life decision chips |
| `agent/graph.py` | Strategy simulator routing + assumption extraction + onboarding |
| `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 |
Priyanka Punukollu
1 month ago