Methodology · v1.3.0
HavenRify Score
A composite 0–100 for Nigerian diligence — title, documents, developer trust, and return. Decision-support only. Not legal advice, title insurance, or a valuation.
Four pillars. One composite.
composite = Σ (pillar × weight), clamped to 0–100. Flood, drainage, and neighbourhood-safety layers are not in this mix — they are Location & site risk (LV-1), read-only for Diligence and Desk buyers.
Title integrity
40%
Risk signals blend with document authenticity scores and forensic flags (sample/draft watermarks, editor metadata). Unauthentic or hard forensic hits hard-cap this pillar.
Doc completeness
25%
Share of this listing’s title-pack catalogue (land chain plus type/tenure preferred keys). Land files are not scored against building-only extras. Public documents earn a small completeness boost.
Developer trust
20%
Developer profile credibility (0–10 → 0–100). Unverified developers are capped. Missing score defaults conservatively.
Investment return
15%
Cap rate and 3-year ROI from the shared ROI engine, scored against type-specific bands: residential/mixed 6–10%, commercial 7–12%, industrial 8–14% (above 18% speculative). Land uses a holding-cost / appreciation path, not a rent yield.
Nigeria title pack
Completeness measures this listing’s catalogue (land chain plus preferred keys for type and tenure). Matching uses doc_type and title aliases. HCIS-0.6 publish gates compare plot acreage to the survey; floor area is not a second plot claim. Score methodology is v1.3.0 (type-specific return bands). Published snapshots keep the version they were sealed with.
- 01Certificate of Occupancy (C of O)
- 02Governor’s Consent
- 03Survey Plan
- 04Deed of Assignment
- 05Gazette / Excision (where applicable)
- 06Allocation Letter (where applicable)
How a score goes live
A published score is a public snapshot of the model. The Havenrified badge is a separate HavenRify counsel seal — publishing a score does not seal the listing.
01
Provisional
Score can compute when documents are ingested. Not shown as a live composite to investors.
02
Verified
Analyst or HavenRify counsel verifies due diligence. Admin may publish via the score API when appropriate.
03
Published
Investors see the composite and pillars. Until then: “Score pending verification.” HavenRify counsel applies the Havenrified seal.
Return assumptions
Score pillar defaults stay 8% yield / 6% appreciation on income listings (0% yield on land). Expert Base gross yield is 7% residential/mixed, 8% commercial, 9% industrial. Diligence unlocks Bear / Base / Bull. Negotiate/costs stay off unless the seller enables them on that listing.
- Score yield (income)
- 8% / 6%
- Expert Base yields
- 7 / 8 / 9%
- Score hold
- 3 yrs
- Expert horizon
- to 30 yrs
Who sees what
Negotiate/costs are a seller option, not a buyer-plan default. Asking price never changes when a listing owner turns the model on.
- Everyone
- On Havenrified listings: asking price and Base-case projection at that ask.
- Diligence / Desk
- Bear / Base / Bull at the same ask. Haircut sliders only if this listing’s seller enabled them.
- Developers / sellers
- Off by default. Enable “Allow negotiate model” on a listing in the provider console.
Decision-support under NDPR
We process property and document data to compute scores under Nigeria’s NDPR and our Privacy Policy. Always confirm title with your own licensed solicitor and the relevant Lands Registry before committing capital. HavenRify counsel seals the listing; they are not your personal lawyer by default. Projections are illustrative — not guarantees.
Platform
HavenRify counsel
Designated platform counsel. After the analyst, they re-read the pack and apply or withhold the Havenrified seal. That is HavenRify’s trust process — not personal representation unless you hire them separately.
Independent
Your solicitor
Your own licensed Nigerian counsel. They advise you on the purchase and confirm title at the Lands Registry. A Havenrified seal does not replace that work, a valuation, or title insurance.