How to Read Your BTD Report
Master your property intelligence report with our step-by-step guide. Learn to interpret scores, flags, timelines, and use stakeholder kits effectively.
1. Start with the Score Bar
BTD Total Score gives a quick feel. Most homes: 65–85. Check the two sub-scores to see why.
Example:
Key Points:
- BTD Total Score (0-100): Weighted combination of Integrity (60%) and Livability (40%)
- Integrity Score: Title, liens, permits, code compliance, HOA health, market behavior
- Livability Score: Hazards, environment, noise, crime, cost-of-living, access
- Green (80+): Excellent condition with minimal risks
- Yellow (60-79): Good condition with manageable issues
- Red (<60): Significant issues requiring attention
2. Scan Top 5 Flags
These are the highest-impact items. Click any flag to jump to the section with source links.
Example:
Assignment chain gap (2011–2013)
Verify release for HELOC #2008-xxxxx
Key Points:
- Flags are ranked by severity: Critical > High > Medium > Low
- Each flag includes estimated cost and time to resolve
- Categories: Title, Lien, Permit, Code, HOA, Hazard, Market
- Action Required flags need immediate attention
- Click 'Open Source' to verify any claim with original documents
3. Follow the Integrity Timeline
Walk the deed→lien→assignment→release sequence. Look for gaps or out-of-order events.
Example:
Warranty Deed
Property purchased by current owner
Key Points:
- Timeline shows chronological chain of title events
- Green dots: High confidence events
- Yellow dots: Medium confidence events
- Red dots: Low confidence or anomalies
- Anomalies are highlighted with explanations
- Each event includes parties, amounts, and source citations
4. Check Compliance
Compare Permits vs Assessor. Missing finals often just need an inspection—budget a little time.
Example:
Deck expansion - 200 sq ft
Permit #P-2019-77 • Building
Key Points:
- Permits show all building work and inspections
- Status: Finaled (✓), No Final (needs inspection), Expired (⚠️)
- Compliance Risk: Low, Medium, High based on permit status
- Missing finals can usually be resolved with inspection scheduling
- Contractor license verification included where available
5. Consider Context
Flood/wildfire/noise/air are livability factors. We summarize likely lender/insurance effects.
Example:
Flood Risk (FEMA)
Environmental
Key Points:
- FEMA flood zones and insurance requirements
- Wildfire risk levels and defensible space
- Earthquake zones and liquefaction risk
- Air quality and noise level assessments
- Environmental contamination sites nearby
- Insurance and lender implications clearly explained
6. Use Your Kit
Buyer? Try the Repair Ask template. Realtor? Use the Offer Risk Snapshot. Inspector? Start with the Pre-Inspection Brief.
Example:
Close deck permit final inspection
Key Points:
- Buyer Kit: Repair ask template with cost estimates and priorities
- Realtor Kit: Green lights, yellow lights, negotiation plays
- Inspector Kit: Pre-inspection brief and focus areas
- Lender Kit: Title requirements and underwriting flags
- All kits include relevant citations and source links
7. Verify Anything You Care About
Every claim includes a source link. Click 'Open Source' to view the original record.
Example:
Key Points:
- All data points include verifiable citations
- Source types: Recorder, Assessor, Permit, Court, FEMA, NOAA, EPA
- Direct links to original documents when available
- Confidence levels: High, Medium, Low for each citation
- Last checked dates for data freshness
- Book/page numbers and instrument IDs for recorder documents
8. Questions?
Chat with the BTD Companion inside your report. Ask 'Explain this flag,' 'What's a LOMA?' etc.
Example:
Key Points:
- AI-powered chatbot with report context
- Ask about specific flags, scores, or sections
- Get explanations of technical terms
- Generate stakeholder templates on demand
- Navigate to relevant report sections
- Available 24/7 for instant assistance
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