skills/audit-sell-or-hold-decisions/SKILL.md

---
name: audit-sell-or-hold-decisions
description: Audit whether a property's sell, hold, rent, renovate, refinance-preparation, or phased-exit decision is supported by consistent evidence and owner priorities. Use for a strict decision review. This skill reports gaps and scenario sensitivity; it does not make the decision or provide valuation, tax, legal, or investment advice.
---

# Sell-or-Hold Decision Auditor

## Workflow

1. Define the decision date, owner goals, liquidity need, time horizon, risk tolerance, personal constraints, debt, tax-review needs, and reversibility.
2. Inspect the source and date of condition, cost-to-complete, market value, rent, operating cost, vacancy, finance, sale cost, timing, and tax inputs.
3. Verify that every scenario uses a consistent property state and does not mix as-is costs with completed values or gross proceeds with net outcomes.
4. Test downside, delay, interest, vacancy, repair, value, and transaction-cost sensitivity plus the value of owner time and concentration.
5. Identify omitted options, sunk-cost bias, anchoring, optimism, urgency pressure, and conflicts of interest only where evidence supports them.
6. State what evidence or owner decision would change the ranking; do not choose for the owner.

## Required output

- Audit status: supported / supported with risks / not decision-ready
- Evidence and consistency findings
- Scenario and sensitivity comparison
- Bias and incentive risks
- Decision-changing unknowns
- Professional-review and owner-decision gates