17.0%
Jacksonville agreements fell through in April 2026
NAVRA™Guide
How NAVRA™ Works
WhatNAVRA™Means
NAVRA™ stands for Navigate Valuation & Risk Analysis.
In plain English, NAVRA™ helps agents look ahead before a property goes live.
What NAVRA™ is
A pre-listing decision-support tool for real estate agents. It turns property condition inputs into a structured risk snapshot you can discuss with sellers before the home goes live.
What the score is for
The NAVRA™ score highlights where friction might show up early—inspections, insurance, financing, buyer confidence, and negotiation—not a prediction of what will happen.
Agent prep
What NAVRA helps you prepare for
- Identify pre-listing risk factors before the home goes live
- Prepare clearer seller conversations
- Spot insurance, financing, inspection, and negotiation friction
- Support your CMA and professional judgment without replacing them
- Create a cleaner pre-listing risk report for seller discussions
Scoring overview
How NAVRA scoring works
NAVRA™ uses a Florida-focused scoring framework to help agents spot likely deal-friction areas before a listing goes live.
Roof age, major systems, and property condition inputs
Insurance sensitivity and financing considerations
Inspection concerns, WDO/pest issues, and permits
Solar financing, odor, septic/well, pool/spa, and other deal-risk signals
NAVRA™ is not trying to predict the future or declare whether a property will pass inspection, qualify for insurance, appraise, finance, or close.
It helps agents prioritize what to verify, document, discuss, or investigate before the home is already under contract.
As Florida insurance, lending, inspection, and transaction conditions change, NAVRA's scoring guidance may be refined over time.
Think of the score as a prioritization tool, not a verdict.
Why pre-listing risk matters
Florida contracts do not always fall apart because of price. They often get shaky when late-stage issues surface:
- Inspection findings and repair negotiations
- Roof concerns and insurance questions
- WDO items, permits, and solar loan complications
- Financing sensitivity and buyer-confidence issues
Recent Redfin data showed that 17.0% of Jacksonville home-purchase agreements, 16.8% of Orlando agreements, and 17.4% of Tampa agreements fell through in April 2026. In a separate Redfin survey of agents who had handled cancellations, 70.4% said inspection or repair issues caused deals to fall through.
16.8%
Orlando agreements fell through in April 2026
17.4%
Tampa agreements fell through in April 2026
70.4%
Agents cited inspection or repair issues in canceled deals
NAVRA™ is designed to help agents move those conversations earlier, before the property is live, under contract, or already deep into negotiation.
Sources: Redfin contract cancellation analysis, April 2026; Redfin home-purchase cancellation report and agent survey, August/September 2025. April 2026 report · August 2025 report
Currently Florida-Focused
NAVRA™ scoring and report guidance are tuned to Florida real estate—how listings move, what shows up in inspections, and where financing can snag.
The product reflects Florida insurance realities, financing friction points, typical inspection callouts, and pre-listing deal-risk patterns—not a generic national average.
We expect NAVRA™ to grow nationwide over time. Until then, read scores through a Florida perspective when working Florida deals.
Built from Real-World Florida Transaction Experience
NAVRA™ was developed by a Florida real estate professional with a background as a former residential appraiser and as a full-time Florida REALTOR®. The ideas behind the tool came from sitting across from sellers, reading inspection comments, and watching where deals tend to slow down.
NAVRA™ is not meant to replace inspectors, contractors, insurance agents, lenders, or legal counsel. Those roles stay exactly where they belong.
It gives agents and sellers a structured way to think through repairs, insurance questions, financing sensitivity, and buyer-confidence issues before a property goes live.
The current model is especially shaped by Florida market conditions—where roof age, insurance underwriting, financing type, and major systems often show up early in how buyers, insurers, and lenders react to a listing.
Risk guide
How to Read a NAVRA Score
NAVRA™ is intentionally preliminary. Pair it with seller disclosure practices, inspections where appropriate, and professional opinions when something looks material.
Low
no major pre-listing condition flags were identified from the current inputs. Normal inspections, buyer due diligence, and underwriting review may still apply.
Moderate
one or more items may benefit from documentation, service records, disclosure review, or contractor input before listing.
High
one or more items could create insurance, financing, inspection, negotiation, or buyer-confidence concerns if not reviewed before listing.
Critical
one or more items may need immediate review before listing because they could materially affect insurability, financing, buyer confidence, or contract stability.
Why roof age and type matter
Roof age and type are often among the first questions buyers, insurers, and inspectors ask. Documentation and clarity can reduce negotiation surprises.
HVAC and water heaters: nuance matters
Age alone does not automatically mean a deal will fail. Condition, maintenance history, and documented service often matter more.
Electrical and plumbing
These concerns touch safety, leak history, inspection comments, insurance questions, and repair negotiation dynamics.
Financing sensitivity
Some financing paths are more condition-sensitive than others. NAVRA™ signals where underwriting conversations may intersect with visible condition items.
What helps reduce friction
- Clear disclosure and good documentation
- Service records where available
- Targeted contractor opinions when something is uncertain
- Spotting topics earlier—not replacing professional judgment
Not another CMA tool
The missing layer between the CMA and the inspection report
A CMA helps agents talk about value. NAVRA™ helps agents talk about the property issues that may affect the deal.
CMA / Pricing Tools
Help answer: “What is this property likely worth?”
- Market value and pricing context
- Comparable sales and list-price positioning
NAVRA™
Helps answer: “What could make this property harder to insure, finance, negotiate, or close?”
- Pre-listing condition and deal-risk signals
- Insurance, financing, and inspection friction
Use NAVRA™ alongside your MLS, CMA process, pricing tools, and professional judgment.
NAVRA™ is designed to support better listing conversations before issues become contract problems.
Ready to run a pre-listing risk snapshot?
Start a new NAVRA™ analysis or review the sample report to see how the final output is structured.
Disclaimer
NAVRA™ is a preliminary pre-listing risk review and decision-support tool. It is not a home inspection, contractor evaluation, insurance underwriting decision, lending decision, appraisal, seller disclosure statement, or legal opinion.
NAVRA™ may identify risk indicators based on property characteristics, selected inputs, and Florida-focused transaction considerations. Risk indicators are not the same as confirmed defects.
Sellers and agents should not use NAVRA™ to avoid, minimize, or replace required disclosure obligations. Sellers should complete any seller disclosure documents based on their actual knowledge, property history, repairs, reports, professional evaluations, and applicable legal requirements. Agents should consult their broker and/or legal counsel when questions arise about whether a known condition should be disclosed.
Current NAVRA™ scoring guidance is Florida-focused and may not reflect insurance, lending, legal, or market conditions in every state or transaction.