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Train AI for 50-State Real Estate

Every state has different contracts, disclosures, and regulations. MergeOn standardizes state-specific forms into one unified schema, provides field-level guidance for all parties, and maps complete transaction workflows from offer to close — creating training data that teaches AI to handle real estate nationwide.

50 State Coverage

Unified Schema

Role-Based Guidance

Transaction Flows

States Mapped

One

Unified Schema

100K+

Forms Processed

98%

Accuracy Rate

Contract Processing

State Contracts → One Universal Schema

Transform 50 different state contract formats into a single, standardized training dataset that teaches AI to handle transactions anywhere in the country

Multi-State Contract Standardization

▲Universal Schema Active

RPA + 17 disclosures

TREC + 14 addenda

NYSBA + co-op forms

FAR/BAR + HOA docs

MAR + attorney state

PAR + lead paint

OAR + property disc

GAR + termite letter

{
  "transaction_id": "TXN-2024-CA-084712",
  "source_state": "California",
  "source_form": "RPA-CA Rev 12/23",
  "universal_fields": {
    "purchase_price": {
      "value": 850000,
      "state_field_name": "Purchase Price (3A)",
      "validation": "matches_loan_amount_plus_down"
    },
    "earnest_money": {
      "value": 25000,
      "state_field_name": "Initial Deposit (3B)",
      "state_requirement": "3% typical in CA"
    },
    "contingencies": [
      {
        "type": "inspection",
        "days": 17,
        "state_default": 17
      },
      {
        "type": "loan",
        "days": 21,
        "state_default": 21
      }
    ]
  },
  "state_specific": {
    "earthquake_disclosure": true,
    "prop_65_warning": true
  }
}

Field Intelligence

"Why This Matters" for Every Field

Train AI to understand not just what goes in each field, but why it matters to buyers, sellers, and agents — with role-specific guidance

Earnest Money Deposit

FINANCIAL

Initial deposit showing buyer's serious intent. Amount varies by market (1-3% typical) and impacts seller confidence in offer strength.

Buyer

Higher amount strengthens offer but ties up cash until closing

Seller

Larger deposit = more committed buyer, less likely to walk

Agent

Balance competitiveness with client's financial comfort

Inspection Contingency

TIMELINE

Days buyer has to complete inspections and negotiate repairs. Critical protection for buyers, potential deal-killer for sellers.

Buyer

More days = thorough inspection, but weaker offer

Seller

Shorter period reduces uncertainty and repair negotiations

Agent

Consider property age and market conditions when advising

Appraisal Gap Coverage

RISK

Buyer's commitment to cover difference if appraisal comes in below purchase price. Critical in competitive markets.

Buyer

Offering gap coverage wins deals but increases financial risk

Seller

Guarantees price even if appraisal is low

Agent

Verify buyer has funds; consider cap on coverage amount

Possession Date

LOGISTICS

When buyer takes possession - at closing, after, or rent-back scenario. Impacts moving logistics and liability transfer.

Buyer

Earlier possession helps with moving but increases liability

Seller

Rent-back provides flexibility for next home purchase

Agent

Document clearly; consider insurance implications

HOA Transfer Fee

CLOSING COST

Who pays HOA transfer fees and document fees. Small dollar amount but negotiation point that varies by local custom.

Buyer

Can add $500-1500 to closing costs unexpectedly

Seller

Local custom varies - know your market standard

Agent

Address early to avoid closing day surprises

Escalation Clause

STRATEGY

Automatic bid increase if competing offers exist. Sets increment amount and maximum price. Complex but powerful in multiple offer situations.

Buyer

Win without overpaying but reveals maximum price

Seller

Ensures maximum price but adds complexity

Agent

Requires proof of competing offer; check local regulations

Transaction Workflows

Offer → Escrow → Close Scripted

Complete transaction workflows extracted and mapped, teaching AI every step from initial offer to keys in hand

OFFER

CONTRACT

ESCROW

DILIGENCE

Stage 1: Offer Submission & Negotiation

Prepare Competitive Offer

Pull comps, determine price, select contingencies, prepare proof of funds

Submit with Supporting Docs

Pre-approval letter, proof of earnest money, buyer letter if applicable

Handle Counter Offers

Review changes, calculate impact, advise client, respond within deadline

Execute Final Agreement

All parties sign, deliver earnest money, start contingency clocks

AI Applications

What You Can Build With This Data

Real estate AI that handles transactions across all 50 states

Contract Automation

Train AI to generate state-compliant contracts, auto-fill from MLS data, and flag missing disclosures. Works across all 50 states with local requirements.

→ 75% faster contract prep

Transaction Coordinator

Build AI that manages deadlines, tracks contingencies, and ensures all parties complete tasks on time. Trained on thousands of successful closings.

→ Never miss a deadline

Compliance Assistant

Develop models that know every state's requirements and automatically flag missing disclosures or non-compliant terms before submission.

→ Zero compliance violations

Market Analysis

Train AI to analyze offer strategies, predict winning terms, and suggest optimal pricing based on local market conditions and competition.

→ Win more offers

Client Communication

Create AI that explains complex terms to clients in plain language, customized for their role (buyer/seller) and transaction stage.

→ Informed clients, smooth deals

Quality Control

Build systems that review every document for errors, inconsistencies, and missing information before problems delay closing.

→ First-time accuracy

Real Results

Real Estate Operations at Scale

▲

States Covered

All formats mapped

■

1000s

Contract Types

Standardized

◆

98%

Extraction Accuracy

Field-level precision

●

Every

Field Mapped

With context

□

100%

Traceable

Source to output

○

10x

Faster Processing

vs manual extraction

Scale Real Estate Without the Chaos

See how brokerages and proptech companies train AI with MergeOn-processed real estate data

See Real Estate Demo Get State Samples