Contact person: Business Client

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Location: Chicago, United States

Budget: Recommended by industry experts

Time to start: As soon as possible

Project description:
"HomeCars Platform – Developer Brief (Full Explanation)

Overview

HomeCars is a nationwide real estate and vehicle credit platform designed to handle large volumes of property data, generate automated credit values, and deliver pre-packaged property + vehicle credit deals to buyers across all 50 states.

The platform is not a mortgage system and does not involve lending or underwriting.
Instead, it uses credit-based incentives tied to property value differences and assigns those credits toward vehicles through HomeCars Charities LLC, a nonprofit organization.

The system must be scalable, fast, secure, and capable of managing large datasets from banks and institutions.

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Core Concept (Simple Explanation)

We acquire or receive access to bank-owned or distressed properties (foreclosures, REOs, etc.).

Each property has:
• Original purchase price
• Current foreclosure or acquisition price

The difference between those two numbers = equity value.

That equity value is converted into a “HomeCars Credit”, which can be used toward:
• A vehicle through our approved dealer network
• Or a vehicle provided through HomeCars Charities LLC

This credit is not financing and not a loan.
It is a value-based credit attached to the property sale.

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What the System Must Do (Core Functions)

1. Massive Data Handling (High Volume)
• Store and manage large datasets from banks (thousands to millions of properties)
• Support uploads via CSV, API, or direct database integration
• Handle high traffic from agents, admins, and buyers
• Scalable cloud-based architecture (AWS, GCP, or similar)

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2. Credit Calculation Engine (Core Logic)

The system must automatically calculate credits using this logic:

Example:
• Original purchase price: $150,000
• Foreclosure acquisition price: $75,000
• Equity difference: $75,000

The system converts that difference into:
• Vehicle Credit Value
• Invoice Credit (for repairs or materials if applicable)

Rules:
• Lower remaining equity = lower credit
• Higher equity = higher credit
• Credit values are displayed clearly on every listing

These credits are automatically generated and attached to:
• Property listing pages
• Offer summaries
• Closing documentation
• Buyer-facing dashboards

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3. No Mortgage or Lending Compliance Required

This system does not:
• Run credit checks
• Handle loans or financing
• Work with mortgage lenders
• Perform underwriting

Homes are sold with pre-attached credits, making transactions simpler and faster.

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4. Nationwide Agent Access
• Agents can log in from all 50 states
• Role-based access:
• Admin
• Agent
• Buyer
• Agents can:
• View listings
• Present credits
• Share property pages
• Submit deals for processing

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5. Buyer Experience (Front-End)

Buyers see:
• Property price
• Credit amount clearly displayed
• What the credit can be used for (vehicle, invoice credit, etc.)
• Simple explanation of how the program works
• No confusing financial terms

The experience should feel simple, clean, modern, and trustworthy.

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6. Charity Integration (HomeCars Charities LLC)
• Credits can be applied through HomeCars Charities LLC
• Supports vehicle assistance programs
• Adds community and charitable impact
• Tracks usage and reporting

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Three-Step Customer Experience (Website Copy)

Step 1: Choose a Home

Browse available properties nationwide.
Each home shows a clear purchase price and a built-in HomeCars Credit value.

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Step 2: See Your Credit Value

Every home comes with a pre-calculated credit based on its equity.
This credit can be applied toward a vehicle through our approved dealer network or HomeCars Charities.

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Step 3: Close & Drive Forward

Finalize your purchase, receive your credit, and drive away with value already built in.
No lenders. No approvals. Just transparency and opportunity.

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Technical Requirements for Developer

Backend
• Scalable cloud infrastructure (AWS / GCP / Azure)
• Database optimized for large datasets (PostgreSQL, BigQuery, or similar)
• API-first architecture
• Role-based authentication
• High-availability and redundancy

Frontend
• Clean, modern UI
• Fast loading
• SEO-friendly
• Responsive (mobile + desktop)
• Clear dashboards for each user type

Automation
• Automated credit calculation engine
• Automated document generation
• Automated listing publishing
• Data validation and error handling

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Security & Compliance
• Encrypted data storage
• Secure authentication (OAuth / JWT)
• Activity logging
• User permissions and access control

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Scalability
• Built to handle:
• Tens of thousands of properties
• Thousands of simultaneous users
• Nationwide expansion
• Easily expandable to new markets and programs

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Final Note for Developer

This system must be:
• Modular
• Scalable
• Easy to maintain
• Designed for growth and automation

We are building infrastructure, not just a website." (client-provided description)