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/install housing
Description
Buy, rent, or invest in property with market analysis, legal compliance, and cost estimation.
README (SKILL.md)
When to Use
User needs help with real estate decisions: buying first home, renting apartments, investing in property, or managing rentals as landlord. Agent handles research, analysis, comparisons, and compliance checks.
Quick Reference
| Topic | File |
|---|---|
| Buying checklist | buying.md |
| Renting guidance | renting.md |
| Investment analysis | investing.md |
| Landlord operations | landlord.md |
Core Rules
1. Verify Local Context First
- Real estate is hyperlocal — prices, laws, taxes vary by city/country
- Ask user's location before ANY market advice
- Never assume US-centric terms (HOA, closing costs) apply elsewhere
- Research local regulations: tenant rights, rent control, transfer taxes
2. Calculate Total Cost of Ownership
| Category | Include |
|---|---|
| Purchase | Down payment, closing costs, transfer tax, notary fees |
| Monthly | Mortgage, insurance, property tax, HOA/community fees, utilities |
| Hidden | Maintenance (1-2%/year), vacancy (rentals), capex reserves |
Never quote just the listing price — always estimate true monthly/annual cost.
3. Separate Roles Have Different Priorities
| Role | Primary concerns |
|---|---|
| First-time buyer | Affordability, mortgage approval, inspection red flags |
| Investor | Cash flow, cap rate, appreciation potential, tenant demand |
| Renter | Lease terms, rights, hidden fees, neighborhood safety |
| Landlord | Tenant screening, rent pricing, legal compliance, tax deductions |
Confirm user's role before advising.
4. Use Current Data Cautiously
- Real estate markets shift monthly — acknowledge data staleness
- Provide frameworks for analysis, not specific price predictions
- Recommend local sources: MLS, government registries, local agents
- Flag when information might be outdated
5. Financial Analysis Standards
For investment properties:
- Cap Rate = Net Operating Income / Purchase Price
- Cash-on-Cash = Annual Cash Flow / Total Cash Invested
- 1% Rule (quick filter): Monthly rent ≥ 1% of purchase price
- Always stress-test: what if vacancy doubles? rates rise 2%?
6. Document Everything
Transactions require extensive paperwork:
- Pre-approval letters, earnest money, inspection reports
- Title search, insurance, closing disclosure
- Lease agreements, move-in inspection, security deposit receipts
Create checklists for user's specific transaction type.
7. Red Flags to Surface
| Signal | Risk |
|---|---|
| Price significantly below market | Hidden damage, legal issues, scams |
| Seller rushing closing | Undisclosed problems |
| No inspection allowed | Major structural issues |
| Landlord avoiding lease | No legal protection |
| HOA financials unavailable | Special assessments coming |
Always recommend professional inspection and legal review.
Housing Traps
- Comparing unlike markets — Tokyo rent dynamics ≠ Austin ≠ Berlin; never apply one market's rules to another
- Ignoring opportunity cost — down payment could be invested; compare scenarios
- Emotional anchoring — "dream home" bias leads to overpaying; use comparable sales data
- Underestimating transaction costs — buying/selling costs 5-10% in most markets
- Assuming appreciation — property values can stagnate or drop; don't count on gains
- Skipping tenant screening — one bad tenant costs more than months of vacancy
- Missing lease clauses — break fees, renewal terms, maintenance responsibility often overlooked
Usage Guidance
This skill is instruction-only and appears coherent for housing advice. Before installing, note: (1) It recommends web-based local research — the agent will need network access to fetch current listings, laws, and comparables; ensure you’re comfortable with the agent’s web access and any data it may send. (2) The skill provides general legal/financial guidance but is not a substitute for a licensed professional; verify critical steps (contracts, inspections, tax strategy) with local experts. (3) It requests no credentials or system access, so there's no direct credential-exfiltration risk from the skill itself. If you plan to allow the agent access to your personal financial documents or accounts to perform deeper analysis, treat those permissions separately and limit scope.
Capability Analysis
Type: OpenClaw Skill
Name: housing
Version: 1.0.0
The skill bundle consists solely of markdown documentation and a metadata file. The `SKILL.md` explicitly declares `"bins":[]`, indicating no external binaries are required or intended for execution. All content across `SKILL.md`, `buying.md`, `investing.md`, `landlord.md`, and `renting.md` is purely informational, providing guidance, checklists, and financial analysis frameworks related to real estate. There are no executable scripts, no instructions for the AI agent to perform unauthorized actions, access sensitive data, make network calls, or interact with the file system beyond reading its own documentation. No prompt injection attempts, data exfiltration, or malicious execution patterns were found.
Capability Assessment
Purpose & Capability
Name and description match the included files (buying, renting, investing, landlord). All required materials are checklists, formulas and advisory guidance appropriate for housing-related advice.
Instruction Scope
SKILL.md directs the agent to ask for location, clarify the user's role, and perform local market and legal research. It does not instruct reading local files, environment variables, or exfiltrating user data. The scope is limited to research and advisory workflows.
Install Mechanism
No install spec and no code files — this is instruction-only, so nothing is written to disk or executed by an installer.
Credentials
The skill declares no required environment variables, credentials, or config paths. No secrets or unrelated service tokens are requested.
Persistence & Privilege
always is false and the skill is user-invocable; it does not request permanent presence or modification of other skills. Agent autonomous invocation is the platform default and is not in itself a red flag here.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install housing - After installation, invoke the skill by name or use
/housing - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.0
Initial release
Metadata
Frequently Asked Questions
What is Housing?
Buy, rent, or invest in property with market analysis, legal compliance, and cost estimation. It is an AI Agent Skill for Claude Code / OpenClaw, with 601 downloads so far.
How do I install Housing?
Run "/install housing" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is Housing free?
Yes, Housing is completely free (open-source). You can download, install and use it at no cost.
Which platforms does Housing support?
Housing is cross-platform and runs anywhere OpenClaw / Claude Code is available (linux, darwin, win32).
Who created Housing?
It is built and maintained by Iván (@ivangdavila); the current version is v1.0.0.
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