Field inspections + BPO valuations

Two answers about the same address.

Occupancy and condition from a field inspector. Value from a licensed local broker. One order, one coverage network, one week — so the two halves of the file agree with each other when the decision gets made.

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Order AO‑24817 Client Subservicer — default portfolio Received 07/20 09:12

Subject 1420 W GRAND AVE · PHOENIX, AZ 85007 Vacant

Condition Field verified

Vacant, secured, active roof damage

Inspected07/22 14:06 MST
Geo33.46612, −112.09821
Evidence26 geo‑tagged photos, 4 elevations
ExceptionTarped rear slope, no utilities

Value Interior BPO

$412,000 as‑is · $468,000 repaired

Prepared byAZ‑licensed broker, 0.9 mi
Comparables3 sold, 3 listed, 0.6 mi radius
Cost to cure$56,000 — itemized
Marketing60‑day strategy included

✓ Delivered 07/25 — 5 days from order Condition and value reconciled before submission QC pass: photo clarity, geo match, comp support

Why we built it this way

Most files contradict themselves, and nobody catches it until it costs money.

Condition gets ordered from a field services vendor. Value gets ordered from a valuation vendor. Two networks, two visit dates, two sets of photos, no shared record. The reconciliation lands on your asset manager — usually the week the decision is due.

Gap 01

The dates don't match

An inspection from the 8th reports the property vacant with a compromised roof. A BPO ordered on the 22nd prices it in average condition, because the broker drove by and saw a tarp that looked intentional. Both reports are defensible. Together they are worth less than either one alone.

Gap 02

The value ignores the exception

Exterior valuations price what a broker can see from the street. When the inspector already documented water intrusion, a failed HVAC, or an unauthorized occupant, that evidence should reach the person forming the opinion — before the number is set, not after a reconsideration request.

Gap 03

Nobody owns the discrepancy

Two vendors means two escalation paths and two people who can each explain, correctly, why their own report is right. The account that ordered both is the one holding the disagreement.

AOBPO runs both sides on one record. The inspector's findings are attached to the valuation assignment before the broker forms an opinion. Condition and value are reconciled in QC. One vendor manager answers for both.

Two lines of work

What we put on the ground, and what we put on paper.

Condition — field inspections

Someone stands at the property and documents what is true that day.

Occupancy verificationDelinquency‑triggered · exterior · door knock on request
Vacant property walk‑throughInterior & exterior · utilities · damage · security
Loss draft / repair progressScope verification · percent complete · workmanship
Disaster & catastrophe sweepPortfolio‑wide · expedited after a named event
Bankruptcy inspectionOccupancy & condition of record for counsel
REO condition reportPost‑conveyance · marketability · deferred maintenance

Value — BPO & valuation

A licensed local broker prices it against the market it actually competes in.

Exterior BPODrive‑by · as‑is and repaired · 3 sold + 3 listed
Interior BPOFull walk‑through · room condition · photo set
BPO update / recertificationRefreshed comps against a prior opinion
Repair estimate & cost to cureItemized · local labor and material rates
Value reconciliation reviewSecond‑set review when two numbers disagree
Rental analysisMarket rent and lease comps for held assets

Full service detail ›

The order type nobody else sells you

Paired orders: one address, both answers, one delivery.

Order condition and value together and we route them as a single assignment. The inspector goes first, the broker gets the findings, and the file arrives complete. You can still order either side on its own — most clients start that way.

Pair A

Occupancy + exterior BPO

The default first look at a delinquent asset. Confirms who is in it and what the street‑level number is, before anyone commits to a workout path.

Pair B

Vacant walk‑through + interior BPO

Once the property is confirmed empty and secured. Interior condition, itemized cost to cure, and as‑is versus repaired value from the same visit window.

Pair C

Disaster sweep + value impact

After a named storm or wildfire. Rapid condition triage across the affected footprint, then valuation on the assets that actually moved.

Order to delivery

Five steps. The sequence is the product.

Step 01

Intake

Order lands in the queue with your work code, reporting form, due date, and any client‑specific photo requirements. We confirm coverage on the zip before we accept it.

Step 02

Field assignment

Routed to a screened AOBPO inspector who covers that route. Exterior only when the property is occupied or status is unknown; interior once vacancy is confirmed and law permits.

Step 03

Valuation assignment

On paired orders, the inspection findings and photos are attached to the assignment before a licensed local broker forms an opinion. The broker prices the property that was actually observed.

Step 04

Reconciliation and QC

Every order is reviewed before it leaves us: photo clarity, geo‑tag against the parcel, form completeness, comp support, and whether the condition narrative and the value opinion tell the same story. They get fixed here, not in your escalation queue.

Step 05

Delivery

Returned in your format inside the agreed SLA — portal upload, secure transfer, or direct integration. Your vendor manager owns any follow‑up, rebuttal, or reconsideration.

How we stay auditable

Your regulator will ask about your vendors. Have an answer ready.

Servicers are accountable for the third parties who touch their collateral. We build the file assuming someone will pull it.

Day 90–120 The GSE window most delinquency inspections have to land in, then monthly after. We schedule to the window, not to our own convenience.

Screened Every inspector carries current industry‑standard background screening before a single order is assigned.

Licensed Valuations are prepared only by real estate licensees in good standing in the subject state, matched to the local market.

Evidence‑first Geo‑tagged, timestamped photos retained with the report so the finding can be defended years later.

Broker price opinions are not appraisals. Under federal law a BPO may not serve as the primary basis of value for originating a purchase‑money mortgage on a consumer's principal dwelling, and permitted uses vary by state. We scope every valuation assignment to what is allowed where the property sits.

Coverage & compliance detail ›

Start here

Two ways to work with us.

You have a portfolio.

Tell us your states, volume, order types, and the forms you report on. We come back with the routes we cover today, the routes we can build, and pricing. No portal signup, no discovery call before you know if we can serve you.

Request coverage ›

You work in the field.

Inspectors and licensed agents: we assign directly, we pay on a posted schedule, and we tell you what a route is worth before you take it. If you already carry industry background screening, onboarding is short.

Join the network ›