INTERPRETING THE INDEX

THE USER MANUAL FOR HIGH-FIDELITY ASSETS

The Index scores represent a composite of Scarcity, Resilience, and Value. Use this legend to decode the data and understand the vocabulary of the Griffin Audit.

The Scoring Matrix

90+

The Unicorn (Defensive)

Irreplaceable assets. Scarcity (Point Lots, Deep Water) + Resilience (New Roofs/Impact Glass). Defensive stores of capital.

80+

Prime (Liquid)

The Griffin Standard. High velocity zones, fair pricing, structurally sound. A "Safe Harbor" purchase.

70+

Market Standard (Basis Risk)

Average listing. Hidden liabilities (older roofs, inflated comps). Requires aggressive negotiation to protect basis.

<70

The Liability (Equity Trap)

Negative asset. Cost to cure defects > appreciation potential. Burns cash flow. Avoid.

The Data Glossary

The Burn Rate

The true annual cost of holding the asset (Taxes + HOA + CDD + Insurance) as a % of purchase price.

Target: <1.5% | Warning: >2.5%

Tax Reset

The delta between the previous owner's taxes and your new bill. FL reassesses value upon sale.

Impact: +$5k to +$15k Annually

Water Tiers (1-5)

We grade waterfront on physics: Tier 1 (Open Bay) vs Tier 5 (Retention Pond). The value gap is huge.

Metric: Scarcity & Navigability

Velocity

The speed of inventory turnover. High velocity = liquidity. Low velocity = stale/overpriced.

Metric: DOM Trend

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Technical FAQs

Is a "Fail" score a hard no?

Not always. A low score often indicates a pricing mismatch. If the seller adjusts the price to account for the defects (Roofs, Flood Zone), the asset can become viable. The Index highlights the *risk* at current asking price.

How is "Burn Rate" calculated?

We aggregate the Property Taxes (post-reset), HOA fees, CDD fees, and estimated Flood/Wind Insurance. We divide this annual sum by the purchase price. A Burn Rate of 1.5% is efficient; anything over 2.5% suggests a "Lifestyle Asset" with heavy carry costs.

Does the Index replace an appraisal?

No. An appraisal is for the bank; the Index is for you. An appraisal justifies the loan value based on past sales. The Index predicts future liquidity and capital preservation based on asset quality.