{"id":18577,"plugin_id":"plugins_6a8874a5fe5081919d0e22dacb040180","kind":"skill","collection_source":null,"comparison_source":null,"observed_at":"2026-09-30T23:14:51.721Z","digest":"23eaa4c0266affdafcc21d5858fe8c6f5b3ebde38e3200cf7d2bd7a1f56c51cb","against":null,"payload":{"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.","included_files":[{"relative_path":"agents/openai.yaml","size_in_bytes":266}],"name":"audit-sell-or-hold-decisions","skill_md_contents":"---\nname: audit-sell-or-hold-decisions\ndescription: 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.\n---\n\n# Sell-or-Hold Decision Auditor\n\n## Workflow\n\n1. Define the decision date, owner goals, liquidity need, time horizon, risk tolerance, personal constraints, debt, tax-review needs, and reversibility.\n2. Inspect the source and date of condition, cost-to-complete, market value, rent, operating cost, vacancy, finance, sale cost, timing, and tax inputs.\n3. 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.\n4. Test downside, delay, interest, vacancy, repair, value, and transaction-cost sensitivity plus the value of owner time and concentration.\n5. Identify omitted options, sunk-cost bias, anchoring, optimism, urgency pressure, and conflicts of interest only where evidence supports them.\n6. State what evidence or owner decision would change the ranking; do not choose for the owner.\n\n## Required output\n\n- Audit status: supported / supported with risks / not decision-ready\n- Evidence and consistency findings\n- Scenario and sensitivity comparison\n- Bias and incentive risks\n- Decision-changing unknowns\n- Professional-review and owner-decision gates\n\n"},"changes":[],"summary":"First saved snapshot. No earlier version is available for comparison.","summary_kind":"deterministic","summary_metadata":{}}