{
  "id": "realtorToolkitAssumptions.v1",
  "name": "Realtor Toolkit public resources",
  "url": "https://copperstateit.com/realtor-toolkit",
  "lastReviewed": "Last reviewed: May 24, 2026",
  "positioning": "Real estate planning tools with the assumptions in plain sight. No ads. No paywalls. No hidden calculations. Utilities, not sales funnels.",
  "disclaimer": "Realtor Toolkit provides planning estimates and content assistance using stated assumptions and cited public sources. It is not legal, tax, lending, title, appraisal, broker compliance, or closing-disclosure advice.",
  "tools": [
    {
      "id": "mortgage-fha",
      "name": "FHA payment estimator",
      "inputs": [
        "price",
        "downPaymentPercent",
        "interestRate",
        "monthlyTaxes",
        "monthlyInsurance",
        "monthlyHoa",
        "closingCostAssumptions"
      ],
      "formulas": [
        "Base loan * 1.75%",
        "Base loan * annual MIP rate / 12",
        "Principal and interest + monthly MIP + taxes + insurance + HOA"
      ],
      "sourceRefs": [
        "HUD Mortgagee Letter 2023-05"
      ]
    },
    {
      "id": "seller-net-sheet",
      "name": "Seller net sheet",
      "formula": "Sale price - mortgage payoff - estimated seller costs",
      "note": "Arizona planning estimate. Confirm payoff, title, escrow, HOA, repair, concession, and tax details before relying on final seller numbers."
    },
    {
      "id": "buyer-intake",
      "name": "Buyer intake",
      "privacyBoundary": "Do not collect SSNs, birth dates, bank account information, pay stubs, tax returns, identity documents, or lender credentials."
    },
    {
      "id": "open-house-lead-sheet",
      "name": "Open-house lead sheet",
      "formats": [
        "xlsx",
        "pdf"
      ],
      "fields": [
        "First Name",
        "Last Name",
        "Email",
        "Phone (optional)",
        "Listing / Property Address",
        "Buyer or Seller Interest",
        "Timeline",
        "Notes From Conversation",
        "Follow-Up Preference / Consent",
        "Requested Next Step"
      ],
      "workflowPrompt": "Upload the filled lead sheet, reference a specific listing/property address, draft one short follow-up per visitor, and do not send anything until reviewed and approved."
    }
  ],
  "sources": [
    {
      "name": "HUD Mortgagee Letter 2023-05",
      "url": "https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf",
      "usedFor": "FHA annual MIP rates and the HUD 2023-05 MIP rate breakpoint at $726,200."
    },
    {
      "name": "FTC CAN-SPAM compliance guide",
      "url": "https://www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business",
      "usedFor": "Commercial email guardrails for follow-up prompt workflows."
    },
    {
      "name": "Arizona Department of Real Estate advertising guidance",
      "url": "https://azre.gov/sites/default/files/Forms/Licensing/ADRE-AdvertisingArticle%2003082022%20%281%29.pdf",
      "usedFor": "Arizona real estate advertising review context for generated listing and follow-up copy."
    }
  ]
}