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.

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Four pillars. One composite.

composite = Σ (pillar × weight), clamped to 0–100.

Title integrity

40%

Risk signals in title text — encumbrance, lien, dispute, court, caveat — invert into this pillar. Higher risk lowers the score.

Doc completeness

25%

Share of the Nigeria title pack on the listing. 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 Nigerian residential yield bands (~6–10%).

Nigeria title pack

Completeness measures these documents on the listing. Matching uses doc_type and title aliases.

01Certificate of Occupancy (C of O)
02Governor’s Consent
03Survey Plan
04Deed of Assignment
05Gazette / Excision (where applicable)

How a score goes live

Investors only see a live composite after diligence is verified. That is the publish gate behind Havenrified listings.

Provisional

Score can compute when documents are ingested. Not shown as a live composite to investors.

Verified

Analyst or counsel verifies due diligence. Admin may publish via the score API when appropriate.

Published

Investors see the composite and pillars. Until then: “Score pending verification.” Havenrified seals the listing.

Return assumptions

Defaults power the Investment Return pillar and Expert Projection on property detail. Investors can switch income, bare land, or land banking.

Rental yield: 8%
Appreciation: 6%
Score hold: 3 yrs
Expert horizon: to 30 yrs

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 licensed counsel and the relevant Lands Registry before committing capital. Projections are illustrative — not guarantees.