Panoperty takes a residential portfolio tape, builds local buyer-demand evidence around every located asset each month, and returns an ordered queue of assets for analyst review.
Each stage produces a stored, inspectable output.
A CSV tape is validated, reconciled and committed as a snapshot.
OutAccepted and rejected rows, with reasonsEach asset is placed from its supplied coordinates and mapped to a market centre.
OutCoordinate and geocode sourceFive comparator pools per asset, six behavioural measures, compared with each pool's own history.
OutEvidence state and persistenceLTV, valuation age and weakening evidence combine into a stored, ordered queue.
OutRank with its components, CSV exportA tape is uploaded by an authenticated user within your organisation. Every row is classified as accepted, rejected with a stated reason (for example, a missing identifier, an invalid Eircode, a duplicate exposure or missing coordinates). Row counts and exposure totals are reconciled before the snapshot commits.
Re-uploading an identical file for the same portfolio and as-of date returns the existing snapshot rather than creating a duplicate.
Each asset is located from the coordinates supplied in the tape, which must fall within Ireland. Address and Eircode are validated and used to map the asset to its market centre. The geocode source is recorded with every evidence record. Assets without valid coordinates are rejected with that reason and are not monitored.
| Field | Use |
|---|---|
| Exposure identifier | Required. Unique within the snapshot. |
| Property identifier | Recommended. Links the same collateral asset across successive tapes. |
| Address or Eircode | At least one is required. |
| Latitude and longitude | Required for monitoring. Assets without valid coordinates are not monitored. |
| Loan exposure | Required. EUR. |
| Supplied collateral value and valuation date | Used for LTV and valuation age. |
| Property type, bedrooms, BER | Used to build the type, bedroom and BER comparator pools. |
| Portfolio as-of date | One date per tape. |
At each monthly period close, Panoperty recalculates evidence for every accepted, located asset in the current snapshot.
Five pools per asset, one each for location, property type, bedrooms, BER and price cohort. Each pool measures recent buyer engagement and participation behaviour observed around comparable residential listings from proprietary data sources.
Each pool starts close to the asset and widens only when local evidence is too thin. The distance actually used is stored.
Several behavioural measures per pool are compared with that pool's own history. The result is a weakening, stable, strengthening or insufficient-evidence state.
Loan exposure divided by your supplied collateral value. Panoperty never substitutes its own value.
Calendar months between your supplied valuation date and the monitoring period end.
The number of consecutive monitoring periods, and days, for which an attribute has held its current state.
Each asset's rank reflects three stored components: LTV, valuation age and the strength of weakening evidence across its attributes. Assets with no weakening attribute still rank on LTV and valuation age.
| Rank | Asset | LTV | Valuation age | Demand evidence | Persistence | Evidence quality |
|---|---|---|---|---|---|---|
| 1 | SYN-0417 Semi-detached · 3 bed | 84% | 31 months | Weakening Location, Price cohort | 3 consecutive reviews · 62 days | 5 of 5 attributes |
| 2 | SYN-1022 Apartment · 2 bed | 79% | 26 months | Weakening Property type | 2 consecutive reviews · 31 days | 4 of 5 attributes |
| 3 | SYN-0088 Terraced · 3 bed | 72% | 34 months | Weakening BER | First observation | 3 of 5 attributes |
| 4 | SYN-0310 Terraced · 2 bed | 74% | 20 months | Stable | — | 5 of 5 attributes |
| 5 | SYN-0631 Detached · 4 bed | 68% | 14 months | Stable | — | 5 of 5 attributes |
| 6 | SYN-0954 Semi-detached · 4 bed | 61% | 9 months | Stable | — | 1 of 5 attributes |
Component weighting and queue depth are calibration and governance decisions for each deployment. How ranking works.
Opening an asset shows why it sits where it does: its supplied value, LTV and valuation age, and for each of the five attributes the evidence state, persistence, pool size, realised radius, geocode source and baseline status.
Insufficient evidence is shown explicitly, never left blank. The evidence describes local buyer demand and is deliberately kept separate from any value figure.
The ranked queue can be exported as CSV by authenticated users. The queue export from the operational API includes rank, score and each rank component. Evidence history is retained by monitoring period, so a current state can be traced back through earlier reviews.
| Attribute | Evidence state and persistence | Pool size | Distance | Geocode source | Baseline |
|---|---|---|---|---|---|
| Location | Weakening Weakening · 3 consecutive reviews · 62 days | 9 | 2.4 km | Supplied | Valid |
| Property type | Stable Stable · 4 consecutive reviews · 92 days | 7 | 6.3 km | Supplied | Valid |
| Bedrooms | Strengthening Strengthening · first observation | 6 | 7.8 km | Supplied | Valid |
| BER | Stable Stable · 2 consecutive reviews · 31 days | 6 | 8.9 km | Supplied | Valid |
| Price cohort | Weakening Weakening · 2 consecutive reviews · 31 days | 5 | 3.1 km | Supplied | Valid |
A portfolio assessment shows how much of your residential book can be monitored and what the resulting monthly queue would look like.