--- title: "Leveraging Artificial Intelligence to Enhance… — Ownify" description: "We leverage artificial intelligence to create a differentiated real estate investment portfolio with great customers and assets." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "@id": "https://ownify.com/#organization", "name": "Ownify", "alternateName": "Ownify Homeownership", "url": "https://ownify.com/", "logo": "https://ownify.com/favicon.png", "description": "Ownify is a fractional homeownership platform that helps first-time homebuyers buy a real home with as little as 2% down by partnering with long-term capital investors. 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With your consent, we may also use non-essential cookies to improve user experience and analyze website traffic. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy . You can change your cookie settings at any time by clicking “Preferences .” PreferencesDeclineAccept [![Ownify](/assets/ownify-logo-color-B9tRH5I9.png)](/) [Homebuyers](/homebuyers) [Investors](/investors) [Agents](/agents) [Markets](/markets) [Research](/research/ownify-university) [Blog](/blog) [About](/about) [Sign in](https://app.ownify.com/auth/magic/request)[Get started](https://app.ownify.com/applications/new) By Frank Rohde • June 27, 2024 # Leveraging Artificial Intelligence to Enhance Returns We leverage artificial intelligence to create a differentiated real estate investment portfolio with great customers and assets. Living in San Francisco - as I do - one can't order a sandwich without running into a conversation about AI. So I wanted to explain where and how we use AI as part of the Ownify platform. ## Underwriting Our Customers Ownify has built a powerful underwriting engine that leverages a set of models to a) prevent fraudulent customers from applying in the first place, b) assess their credit worthiness, and c) predict their available cash flow to support the monthly Ownify payment. As part of that, our platform ingests several hundred variables for each applicant and ultimately renders a decision that results in a "home budget" for each applicant. In order to train our models and set up constraints, we bought a 1M+ record set of historical performance data on low-down payment mortgages, solving for the "cold start" problem in machine learning. Our results thus far have been very encouraging, with zero late pays across our portfolio. ## Forecasting Home Valuations Once we've qualified an "Owni," we evaluate the appreciation potential for each home that the Owni submit to Ownify for potential purchase. To render a prediction here, we've built two sets of models: A) A macro-level model that scores the attractiveness of each of the 300+ metro markets in the US based on economic fundamentals such as housing supply / demand, job creation, household formation, regulatory friendliness, and other housing economics. This model helped us identify the Triangle region in NC as our launch market. B) A property level model that uses several hundred variables to assess the current value and appreciation potential for each individual home. As much as we trust data, we also conduct an in-person inspection of each home before we close. Our results have been encouraging, with an average 6% appreciation across the portfolio in 2023. ## Driving Internal Efficiency ## How We Mitigate Risk Of course, we recognize the potential risks of AI and the importance of mitigating bias in our models. We are proactively managing these risks by building inclusion directly into our technology; for example, our underwriting engine is able to underwrite small business owners, gig economy workers, and other non-W2 employees (where most traditional underwriting engines fail). We also keep a 'human-in-the-loop' when making key business decisions. At the end of the day, homeownership is a deeply tangible, physical, and emotional experience. However, when applied correctly, AI / ML can help us create better returns, higher efficiencies, and cost savings for our Ownis and investors. ## Interested in harnessing the power of AI to generate returns and impact? You can get started investing here by submitting your information and scheduling a meeting with a member of our team. #### Related reading - [our investor edge](https://ownify.com/blog/ownifys-real-estate-investor-guide) - [thesis](https://ownify.com/blog/why-were-bullish-on-investing-in-starter-homes) - [the underwriting stack in action](https://ownify.com/blog/how-much-can-i-afford-how-we-pre-qualify-you) - [invest with Ownify](https://ownify.com/investors) ### Homebuyers - [How it works](/homebuyers/how-it-works) - [Are you eligible?](/homebuyers/eligibility) - [Build my plan](/myplan) - [Ownify vs. mortgage](/homebuyers/vs-mortgage) - [Ownify vs. rent-to-own](/how-rent-to-own-works) - [Detailed calculators](/homebuyers/detailed_calculators) - [Ownify Mortgage](/mortgage) ### Investors - [Why invest](/investors) - [Investor FAQ](/investors/faq) - [North Carolina Home Fund](/investors/north-carolina) - [Colorado Home Fund](/investors/colorado-home-fund) - [Become a partner](/investment-partner) ### Agents - [How it works](/agents/how-it-works) - [Agent benefits](/agents/benefits) - [Get accredited](/agents/accreditation) ### Markets - [Colorado](/markets/colorado) - [North Carolina](/markets/north-carolina) - [Tennessee](/markets/tennessee) - [California](/markets/california) - [All markets](/markets) ### Company - [About us](/about) - [Our impact](/research/our-impact) - [Ownify University](/research/ownify-university) - [Reviews](/reviews) - [Blog](/blog) - [Ownify Tools & Tech](/tech) [![Ownify](/assets/ownify-logo-reversed-CShwpfYm.png)](/) [Terms](/legal/terms)[Privacy](/legal/privacy)[Contact](/contact)[Consent Preferences](#)[Do Not Sell or Share My Personal Information](https://app.termly.io/notify/50967156-fd3e-48cb-95dc-98f33b36600a)[Limit the Use Of My Sensitive Personal Information](https://app.termly.io/notify/50967156-fd3e-48cb-95dc-98f33b36600a) © 2026 Ownify, Inc. All rights reserved. Equal Housing Opportunity. Fractional ownership investments are provided by Ownify, Inc., 548 Market Street #25841, San Francisco, CA 94104. Real Estate Brokerage services may be provided by Ownify Real Estate LLC, NCREC C36616. Mortgage broker and loan processing services are offered through Real-Finity Mortgage, LLC, dba Realfinity. NMLS #2445766 and #2723220. Real-Finity Mortgage, LLC is a licensed mortgage brokerage and maintains its corporate headquarters at 929 Alton Road Suite 500, Miami Beach, FL, 33139.