RESIDENTIAL REAL ESTATE ADVISORY
Make your real estate investment smarter, not riskier.
Liberty Clear serves as your strategic advisor — providing independent counsel and a clear financial roadmap built around your specific goals, with institutional-grade modeling behind every decision. We are happy to work with your other advisors, agents and brokers to bring together the full range of complex information that you need to consider.
CLIENT SITUATIONS
USE CASE 01
HOME PURCHASE
"Was the asking price actually fair?"
First-time buyers, Denver CO. Pre-approved for $800K. Two competing properties. Agent pushing for a quick offer.
A couple had found two homes they loved but had no independent way to assess whether either was fairly priced — or what their true long-term cost of ownership would look like once taxes, maintenance, HOA, and future rate adjustments were factored in.
WHAT LIBERTY CLEAR WOULD DO
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Built a comprehensive buy-vs-rent model for both properties, incorporating 10-year ownership cost projections
Modeled local property tax trajectories, HOA escalations, maintenance reserves, and future mortgage rate scenarios
Benchmarked both asking prices against recent comparable sales and projected appreciation curves
The higher-listed home was overvalued by ~$50,000. The couple made a confident offer on the better-value property and negotiated an additional $15,000 off the asking price.
USE CASE 02
INVESTMENT PURCHASE
"Is this duplex a real investment or just a good-looking deal?"
Buy-and-hold investor, Los Angeles CA. First investment property. Relying on agent's pro forma.
A buyer was convinced a duplex was a strong investment but had only seen the agent's simplified pro forma. He wanted an independent view of cash flow, vacancy risk, and long-term return before committing — without the bias of someone who earned a commission on the sale.
WHAT LIBERTY CLEAR WOULD DO
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Built a full P&L and cash flow model with dynamic toggles for vacancy rates, maintenance reserves, and rent growth
Conducted a rent comp analysis against comparable units in the submarket and adjusted for realistic expense growth
Modeled three holding period scenarios (5, 7, and 10 years) with IRR and equity multiple outputs for each
The break-even point was two years later than the agent's pro forma suggested. The buyer restructured the purchase terms and entered the investment with accurate expectations — and a dynamic model that could be updated as conditions changed.
USE CASE 03
CUSTOM HOME BUILD
"How much house can we actually afford to build — and still sleep at night?"
Growing family, Pacific Northwest. Custom build on purchased lot. Competing contractor bids. Scope creep concerns.
A family was designing a custom home and facing a rapidly expanding scope — bigger square footage, higher-end finishes, optional add-ons at every turn. They needed an independent financial model to understand what different decisions actually cost, and how each choice affected their long-term financial picture and resale value.
WHAT LIBERTY CLEAR WOULD DO
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Built a dynamic model comparing four build configurations — size, finish level, optional upgrades, and layout changes
Layered in interest rate scenarios, construction cost contingencies, and post-build appraisal projections
Maintained and updated the model throughout the build as quotes, timelines, and specs evolved
The family identified $180,000 in optional upgrades that added minimal resale value and redirected that capital into structural and energy improvements with stronger long-term returns. Liberty Clear stayed with them through to completion.
USE CASE 04
SHORT TERM RENTAL
"The Airbnb income projections looked great. But were they based on anything real?"
Couple, Scottsdale AZ. Three-bedroom near resort corridor. Agent projecting $85K annual STR income. STR vs. long-term rental decision unmade.
A couple was eyeing a Scottsdale property for an investment as a short-term rental (STR). Their agent projected $85,000 in annual Airbnb income — but the number was built on optimistic occupancy assumptions with no operating cost detail and no comparison against a long-term rental alternative. They wanted the projections independently stress-tested before committing.
WHAT LIBERTY CLEAR WOULD DO
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Sourced real STR performance data for comparable Scottsdale properties — actual occupancy rates, average daily rates by season, and platform fee structures
Built a full STR model incorporating all costs agents typically exclude: platform fees, management, cleaning, furnishing capex, insurance uplift, and seasonal maintenance
Produced a direct STR vs. long-term rental comparison across net yield, cash flow, and IRR — and modeled a regulatory downside scenario if STR licensing became restricted
The agent's projection assumed 78% occupancy — well above the submarket average of 61%. Realistic net income was materially lower. The couple negotiated a $35,000 price reduction, budgeted correctly for setup costs, and entered the investment with accurate expectations and a contingency plan.
USE CASE 05
HOME RENOVATION
"We have three contractor quotes. Are any of them actually reliable?"
Homeowner, Austin TX. Major kitchen and primary suite renovation. $300K+ budget. Concerned about overruns.
A homeowner was juggling three contractor quotes with significantly different line items and no way to benchmark what was reasonable. She was also worried about mid-project surprises — the kind that turn a $320K renovation into a $450K one — and wanted financial visibility throughout the process, not just at the start.
WHAT LIBERTY CLEAR WOULD DO
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Consolidated all three quotes and benchmarked every line item against current Austin market rates for comparable work
Modeled overrun scenarios based on local construction cost trends and flagged high-risk line items likely to expand in scope
Projected post-renovation value using comparable listings and built budget toggles for optional items throughout
A $45,000 scope gap was identified in the lowest-bid quote before work began. The homeowner selected a different contractor, locked a cleaner scope, and stayed within 4% of her original budget through completion.