Comprehensive House-Buying Evaluation

This prompt helps evaluate whether buying a specific house is a good decision by analyzing the property, location, infrastructure, safety, services, job opportunities, market value, financial risks, lifestyle suitability, and resale potential.

Model used:
GPT-5.5 Thinking

Prompt:
Act as an expert real estate analyst, property investor, urban planner, and financial advisor.

I want to evaluate whether buying a specific house is a good decision. Analyze the property as if you were personally considering buying it.

Take into account all relevant factors that could influence:
- Purchase price
- Fair market value
- Long-term value
- Quality of life
- Financial risk
- Legal risk
- Maintenance costs
- Resale potential
- Rental potential
- Future demand

Be critical, realistic, conservative, and data-driven. Do not assume the property is a good deal unless the available data supports it.

Before giving a final recommendation, ask me for missing information if needed, especially:
- Property listing
- Photos
- Asking price
- Exact or approximate location
- Size of the house
- Size of the land
- Technical condition
- Comparable houses nearby
- Recent sold prices or current listings
- My budget
- My goal: living, investment, rental, renovation, or resale

Evaluate the house using the following criteria:

1. Property details

Analyze the property itself, including:
- Asking price
- Estimated fair market value
- Size of the house
- Size of the land
- Number of rooms
- Number of bathrooms
- Layout and usability of the space
- Age of the building
- Construction quality
- Building materials
- Technical condition
- Roof condition
- Foundation condition
- Insulation quality
- Heating system
- Cooling system
- Electrical system
- Plumbing system
- Windows and doors
- Energy efficiency
- Energy performance rating
- Renovation history
- Required repairs
- Estimated renovation costs
- Maintenance costs
- Potential hidden defects
- Legal condition of the property
- Ownership structure
- Easements
- Liens
- Mortgages
- Legal restrictions
- Zoning rules
- Possibility of future extensions
- Possibility of redevelopment

2. Location quality

Evaluate the location and how it affects the house value:
- Country
- Region
- City
- District
- Neighborhood
- Reputation of the area
- Distance from city center
- Accessibility by car
- Accessibility by public transport
- Walkability
- Noise levels
- Air quality
- Green spaces nearby
- Flood risk
- Landslide risk
- Earthquake risk
- Other natural disaster risks
- Industrial pollution risk
- Nearby construction
- Planned development
- Future urban development plans
- Demand for housing in the area
- Long-term growth potential of the location

3. Infrastructure and transport

Analyze nearby infrastructure:
- Roads
- Highways
- Public transport availability
- Train connections
- Metro connections
- Bus connections
- Tram connections
- Commute times to major employment areas
- Parking availability
- Bike lanes
- Pedestrian infrastructure
- Internet availability and speed
- Mobile network coverage
- Water supply
- Sewage system
- Gas connection
- Electricity reliability
- Waste collection
- Street lighting
- Quality of local infrastructure

4. Safety and security

Evaluate safety factors:
- Crime rate in the area
- Types of crime reported nearby
- Police presence
- Fire department accessibility
- Emergency medical response time
- Street safety at night
- Risk of vandalism
- Risk of burglary
- Traffic safety
- Safety for families and children
- Community stability
- Social problems in the area

5. Social services and amenities

Evaluate availability and quality of services:
- Schools
- Kindergartens
- Universities
- Hospitals
- Clinics
- Pharmacies
- Dentists
- Shops
- Supermarkets
- Restaurants
- Cafés
- Banks
- Post office
- Government offices
- Sports facilities
- Parks
- Playgrounds
- Cultural facilities
- Libraries
- Senior care services
- Childcare services
- Veterinary services
- Community centers

6. Job opportunities and economy

Analyze the local economic environment:
- Nearby job opportunities
- Major employers in the area
- Average salaries
- Unemployment rate
- Economic stability of the region
- Business development
- Remote work suitability
- Coworking spaces
- Commuting options to business centers
- Future economic growth potential
- Risk of local economic decline

7. Market analysis

Compare the property with the local real estate market:
- Similar houses recently sold nearby
- Current listings in the area
- Price per square meter
- Historical price growth
- Rental demand
- Expected rental income
- Vacancy risk
- Liquidity of the property
- Buyer demand
- Time on market for similar houses
- Whether the asking price is overvalued, fair, or undervalued
- Negotiation potential

8. Financial evaluation

Evaluate the purchase from a financial perspective:
- Purchase price
- Property taxes
- Agent fees
- Legal fees
- Mortgage costs
- Interest rates
- Insurance costs
- Utility costs
- Maintenance reserve
- Renovation budget
- Monthly ownership costs
- Affordability
- Opportunity cost
- Expected appreciation
- Expected resale value
- Rental yield if rented out
- Return on investment
- Worst-case financial scenario
- Best-case financial scenario

9. Lifestyle suitability

Evaluate whether the house is suitable for living:
- Suitability for families
- Suitability for remote work
- Suitability for pets
- Privacy
- Noise
- Garden usability
- Sunlight exposure
- Orientation of the house
- Storage space
- Parking
- Accessibility for elderly or disabled people
- Neighborhood atmosphere
- Community quality
- Distance to family, friends, and daily needs

10. Risks and red flags

Identify all possible risks:
- Structural risks
- Legal risks
- Financial risks
- Market risks
- Environmental risks
- Neighborhood risks
- Infrastructure risks
- Future resale risks
- Hidden maintenance costs
- Overpriced listing
- Poor liquidity
- Bad location
- Unfavorable zoning
- Planned nearby development that could reduce value

11. Required output format

Provide the answer in this structure:

1. Executive summary
Briefly summarize whether the property looks attractive or risky.

2. Data quality rating
Rate the reliability of the analysis from 0 to 100 based on how much real data is available.

3. Missing information
List what important information is missing and how it could affect the decision.

4. Property analysis
Analyze the physical and technical condition of the house.

5. Location analysis
Evaluate the location, infrastructure, safety, services, and long-term potential.

6. Market analysis
Compare the house with similar properties and local market conditions.

7. Financial analysis
Estimate total ownership costs, renovation costs, monthly costs, future value, and investment potential.

8. Risk analysis
List the biggest risks and red flags.

9. Questions to ask the seller
Provide specific questions I should ask before making a decision.

10. Documents to request
List all documents I should request, such as:
- Ownership documents
- Land registry extract
- Building permit documentation
- Floor plans
- Energy performance certificate
- Utility bills
- Renovation invoices
- Inspection reports
- Zoning information
- Easement or lien documentation

11. Inspections to perform
List recommended inspections, such as:
- Structural inspection
- Roof inspection
- Foundation inspection
- Electrical inspection
- Plumbing inspection
- Heating system inspection
- Moisture and mold inspection
- Pest inspection
- Energy efficiency inspection
- Legal review

12. Final recommendation

Provide one clear recommendation:
- Buy
- Buy only if the price is negotiated down
- Avoid
- Need more information before deciding

Also provide:
- Estimated fair value range
- Suggested maximum purchase price
- Negotiation strategy
- Key advantages
- Key disadvantages
- Main risks
- Final score from 0 to 100

Important rules:
- Be critical and conservative.
- Do not invent data.
- Clearly separate facts from assumptions.
- Use comparable properties whenever possible.
- Prefer real sold prices over listing prices.
- If the available data is weak, say so clearly.
- Use tables where useful.
- Explain your reasoning.
- Show calculations where possible.
- Do not assume the property is a good deal unless the data supports it.