Listing A · the bargain
$399K
Far out. Cheap on paper. The one the portals push to the top.
List priceLowest
Commute (drive, two earners)High
Energy + utilitiesHigh
Time-tax (hours/yr)High
True Lifestyle Cost to live in
+$270 / mo more
№ 01 · Pre-Seed Edition · MMXXVI · Confidential
The list price
lies.
True Lifestyle Cost
tells the truth.
CertiHomes is the Lifetime Financial OS for Homeowners — pre-certified homes, AI-powered mortgage, and the only engine that measures what a home actually costs to live in. Not the sticker. The truth: PITI plus the commute time-tax, energy, school logistics, and your net-worth trajectory. Know before you owe.
The Round
Pre-Seed
Raising
$750K
The Moat
True Lifestyle Cost™
Status
Licensed & Live
01The Moat · True Lifestyle Cost™
Two homes. The cheaper sticker
is the more expensive life.
A home's real cost isn't PITI. It's PITI plus HOA, maintenance, the commute cost & time-tax, school and activity logistics, energy, and your net-worth / 529 trajectory. Our GPU engine measures it — across 32 US & Canadian metros, with real fares, tolls, parking and fuel (measured, not modeled), in sub-second time. Here's what that reveals.
Listing B · by the train
$489K
$90K more on the sticker. Walkable to rail. The one buyers skip.
List priceHigher
Commute (rail)Low
Energy + utilitiesLow
Time-tax (hours/yr)Low
True Lifestyle Cost to live in
The cheaper life
The $399K home costs $270/month more to actually live in than the $489K home by the train — once commute and utilities are counted. Over a 30-year mortgage, that's roughly $97,000. The list price lies. True Lifestyle Cost tells the truth.
02The Engine · Geo AI Stack
Measured, not modeled. On our own GPUs.
Incumbents price time. We price dollars and time, every mode, for the whole household — door to door. A proprietary, on-prem GPU fleet reprices an entire metro in under a second, so the cost layer is live, not an annual batch report. No API tax. No vendor in the loop.
32
US + CA metros
723
transit fare feeds
38,061
OD fare pairs
40+
states of tolls
1,515
CBD parking garages
Sub-sec
GPU isochrones
Real fares, tolls, parking and fuel across the network — measured against independent routing oracles. Proof, not slideware.
03The OS · Eight Products, One Customer
We own the lifecycle, not a single transaction.
One shared credit pull, one CRM, one customer flowing across eight products. Each product lowers acquisition cost and lifts lifetime value for the next.
CertiHomes
Flat-fee brokerage + pre-certification + AI mortgage. The front door.
WealthWise
Net worth, 529, retirement and DTI — the financial spine of the journey.
Education
Schools, neighborhoods, commute + POI intel. This engine, in the search.
HomeRecord
CarFax for homes — the verified history record of every property.
Pro Network
The vetted service & partner layer around every transaction.
RE Marketing
Predictive seller identification via public records + voter files.
Sports & Ent
Christie's-grade athlete & talent relocation, white-glove.
Geo AI Stack
Proprietary GPU fleet + the TLCEngine affordability index.
04Competition
The only one with a Lifestyle Cost column.
| Company | Brokerage | Mortgage | Lifestyle Cost | Owns Lifecycle |
|---|---|---|---|---|
| CertiHomes | ✓ | ✓ | ✓ | ✓ |
| Zillow / Redfin | ✓ | — | — | — |
| Rocket | — | ✓ | — | — |
| Opendoor | ✓ | — | — | — |
| Curbio | — | — | — | — |
Brokerages broker. Lenders lend. Reno shops renovate. None of them price the whole cost of living somewhere — and none of them own the customer across the full lifecycle. We do both.
05The 7 D's · Targeting Moat
We know who's about to move.
Life events trigger home moves. Public records, voter files and our data stack surface them before the listing — seven moments that put a family in market.
DiplomaDiamondsDiapersDistrictDegreeDivorceDownsize
06Unit Economics
12+ revenue events per close.
Rocket monetizes one event per close: the mortgage. We monetize the brokerage, the mortgage, the move, the protection, the wealth plan, and every product downstream of one shared customer.
12+
events per close · CertiHomes
1
event per close · Rocket
07The Solution · Pre-Certified Homes
Carvana for real estate.
5
contingencies eliminated
15-day
close
$10K / 1%
flat listing fee · $0 buyer-side
08 · The Ask
$750K pre-seed.
Execution capital for a company that is already licensed, already live, and already shipping. Every dollar funds a vertical that is built, partly built, or licensed — none of it is exploration money.
40%
Mortgage Ops & Compliance
MLO buildout — NY, NJ, PA, MD, VA
30%
AI Engine & Data
the True Lifestyle Cost engine, at scale
20%
Go-to-Market
fill the top of the lifecycle funnel
10%
Reserve & key hires
runway buffer
Targeting Fifth Wall, MetaProp, Camber Creek, Moderne, Brad Inman, Spencer Rascoff, Y Combinator and Techstars.
09Why Now
Not a deck. A company that already runs.
Licensed & live
Active broker. NMLS #1875937. Real MLS data flowing, NYC → Northern Virginia.
Proven IP
TLCEngine — Inman Innovator winner, with a shipped Zillow integration.
On-prem GPU fleet
Proprietary compute. No API tax, no vendor in the loop, no data ceiling.
10The Founder
Krishna Malyala
Citi VP of Technology. HHS Presidential Innovation Fellow. Built and ran systems at New Jersey Transit ($55M+). Licensed broker and mortgage originator (NMLS #1875937). Builder of the proprietary GPU fleet and the TLCEngine affordability index behind True Lifestyle Cost.
11Proof