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AvenaTerminal · Est. 2026
AVM · Automated Valuation Model · v1.0

Underwriter-ready valuations
in under a second.

Bank-grade Automated Valuation Model. Hedonic OLS approximation calibrated to the live Avena corpus. Returns predicted value with confidence band, five nearest comparable transactions, and a SHAP-style adjustment breakdown so an underwriter can read the model's reasoning, not just trust the output.

±3% RMSE backtest·Cite DOI 10.5281/zenodo.19520064·Methodology·API POST /api/v1/avm/value
No valuation yet

Configure the property characteristics on the left and click Run valuation. Result lands in under a second.

Used by
Banks

Mortgage underwriting

Instant valuation reference at origination. Confidence band lets risk teams set LTV ceilings without waiting on physical appraisal.

Funds

Pre-acquisition check

Run an entire watchlist through the AVM in a single batch. Identify the deal where ask is materially below model.

Notaries / Tax

Reference value

Independent fair-market reference for fiscal valoración and conveyancing. Cited DOI, reproducible methodology.

Programmatic access
# Value an arbitrary property
curl -X POST https://avenaterminal.com/api/v1/avm/value \
-H "Content-Type: application/json" \
-d '{"inputs":{"town":"Marbella","type":"Villa","built_m2":280,"bedrooms":4,"beach_km":0.4,"sea_view":true,"pool":"private","energy":"A"}}'
# Value an existing Avena ref
curl -X POST .../api/v1/avm/value -d '{"ref":"AP1-TR-12345"}'

Procurement at /institutional · GET endpoint returns the schema