Decivana — Think before you commit.

Know before you buy.

Decivana helps you understand the financial impact, property risks, tradeoffs, and possible outcomes before you make one of the biggest decisions of your life.

Start a Property AnalysisSee How It Works

Decivana doesn't make the decision for you. It helps you see the tradeoffs clearly.

412 Marlow Street

Illustrative property snapshot

Illustrative
Monthly cost

incl. taxes + insurance

$3,480
5-year cash outlay

assumption-based

$248,900
Maintenance reserve

estimated

$310/mo

Decivana Assessment

Overall

Proceed with caution

Reasons:

  • Monthly payment is manageable
  • Inspection identifies approximately $18K in potential repairs
  • Cash reserves after closing are below target
  • Property becomes more attractive if purchase price is $710K or less

Confidence

Moderate

Some assumptions have not yet been verified.

Illustrative example only — not real property data.

Buying a home is more than a monthly payment.

A mortgage calculator answers one question. A purchase decision depends on many at once — and they interact. These are the factors Decivana brings into a single view.

  • Purchase price

    What you pay is only the entry point of the decision.

  • Mortgage

    Rate, term, and structure shape decades of cash flow.

  • Taxes and insurance

    Recurring costs that often move faster than income.

  • Repairs and maintenance

    Deferred work becomes tomorrow's unplanned expense.

  • Property condition

    Roof, systems, and structure carry real dollar risk.

  • Location risks

    Flood, climate, and neighborhood trends affect outcomes.

  • Long-term financial impact

    How this purchase constrains the next ten years.

  • Alternative properties

    The option you didn't buy is part of the tradeoff.

How it works

  1. 1

    Enter the property

    Start with an address or listing details for the home you're considering.

  2. 2

    Add your financial information

    Down payment, income, rate expectations, and how long you plan to stay.

  3. 3

    Upload documents

    Inspection reports, disclosures, and estimates add depth to the analysis.

  4. 4

    Understand the decision

    Get risks, tradeoffs, assumptions, and scenarios laid out in plain language.

Everything the decision depends on

Six views of the same purchase, so nothing important stays out of frame.

Property Analysis

Review condition signals, location factors, and what they imply for long-term cost.

Financial Analysis

See total cost of ownership, cash flow, and how the purchase fits your finances.

Inspection Analysis

Turn inspection findings into prioritized issues with cost and urgency context.

Property Comparison

Put two properties side by side on the factors that actually change the outcome.

What-If Scenarios

Model different rates, timelines, and repair outcomes before you commit.

Decision Report

One structured summary of risks, assumptions, tradeoffs, and open questions.

Example / mock report

What a decision report looks like

The report below is a fictional illustration created for this page. It is not real property data and no analysis has been performed.

412 Marlow Street

Sample decision report — illustrative only

Not real data

Overall Assessment

Workable purchase, conditional on repair pricing.

The payment fits the stated budget, but two condition issues could move five-year cost by roughly $22,000 in this example.

Financial RiskModerate
Property RiskElevated
Maintenance RiskLow–Moderate

Biggest Concern

Roof is near end of service life and grading directs water toward the foundation. Combined worst case is significant relative to the reserve.

Biggest Opportunity

Priced below comparable homes on the street, leaving room to negotiate repair credits without exceeding the budget.

What Could Change the Decision?

  • A roof replacement quote below $14,000
  • A rate under 5.75% at lock
  • Seller credit covering the drainage repair
  • Staying in the home longer than 7 years

Example content for illustration. Figures are fictional and not based on any real property.

Decivana doesn't make the decision for you.

We show the facts, assumptions, risks, and tradeoffs so you can make a more informed decision.

  • Evidence-based analysis

    Every conclusion traces back to an input you can see.

  • Transparent assumptions

    Assumptions are stated, editable, and never hidden.

  • Scenario modeling

    Outcomes are shown as ranges, not a single confident number.

  • Clear uncertainty

    When something is unknown, the report says so plainly.

Start with a property analysis.

Free during early access.

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Early access pricing. Paid plans will be announced later.