The Basis ScoreCBI · 300 – 850
A single forensic grade for an asset’s underwriting basis — built from six pillars, reconciled across 42 municipal corpora, and sealed by SHA-256 anchor before release.
The Basis Score (CBI)
The Calibrated Basis Index (CBI) compresses the entire forensic surface of a property into a single three-digit grade on a 300 – 850 scale. The shape of the scale is intentional: institutional capital already reads three-digit grades fluently from the consumer credit world, and the CBI inherits that legibility while carrying real-asset evidence underneath.
A score above 800 is Grade A · Institutional Quality — the asset’s title chain, tax posture, lien profile, and infrastructure surface are clean enough to underwrite without a discount. A score below 500 is Grade F · High Volatility — material drift in one or more pillars that capital must price in or remediate before close.
Every grade ships with the underlying evidence trail. The scalar is the headline; the dockets are the proof.
The 6 Forensic Pillars
The CBI is decomposed into six independent pillars. Each is scored on its own evidence chain and then composited — so a buyer can see not only the headline grade, but exactly which surface is distorting it.
Title Stability
Continuity of the recorded chain of ownership. We trace deed transfers, partial conveyances, and unresolved heirship across the public record to detect breaks, gaps, or fraudulent recordings.
Tax Equity
The asset’s standing against its own tax basis. We measure assessment drift versus comparable parcels, exemption integrity, and the trajectory of the next reassessment cycle.
Lien Noise
Noise on the title from active and dormant encumbrances — mortgages, mechanic’s liens, judgments, and tax warrants. Density and recency matter as much as gross dollar amount.
Resilience
Physical exposure of the asset to environmental and structural risk: flood envelope, climate drift, code-compliance trajectory, and open enforcement actions. A probabilistic liability with a dollar-denominated tail.
Connectivity
The asset’s relationship to the grid and the network that monetizes it: substation proximity, hosting headroom, feeder redundancy, and load-shedding history at the local node.
Zoning Integrity
The legal envelope around the asset: as-of-right use, setbacks, overlays, variance history, and the trajectory of the local zoning calendar. Zoning is invisible when stable and decisive when it shifts.
Data Provenance
Every Basis Audit is built from primary public records and vetted private dockets. Three streams converge into a single sealed instrument:
- 01ACRIS
The Automated City Register Information System supplies the chain-of-title spine — every deed, mortgage, and lien recorded against the parcel is harvested verbatim and hashed.
- 02DOF
The Department of Finance provides the tax-basis spine — assessment history, exemption posture, current liability, and grievance filings. We reconcile DOF against ACRIS to surface any divergence between recorded ownership and taxed ownership.
- 03Private Dockets
Federal, state, and municipal docket streams (FERC, EPA ECHO, BSA/BZA, building-code enforcement, UCC) are scraped and bound to the parcel by address, BBL, and grantor/grantee resolution.
The 42-corpora surface is reconciled by an autonomous Protocol Scan, conflicts are resolved by a Lead Analyst, and the composite is SHA-256 anchored before release. The anchor is a one-way fingerprint of the issuance corpus: change a docket, timestamp, or observation and the seal no longer verifies. The sealed record is the deliverable; the six pillar scores and the Basis Score are projections of it.
If a docket later disagrees with the sealed record, the seal does not move — a new revision is issued and the prior seal is preserved as a verifiable historical artifact.
The Standard
The Methodology described here is a proprietary standard designed to normalize disparate infrastructure data — produced by utilities, municipal regulators, federal agencies, and field instrumentation — into a single Transactional Intelligence metric capable of supporting underwriting, financing, and litigation workflows.
It is not a substitute for licensed engineering, architectural, legal, or investment advice. The Basis Score is a computational instrument; transactional decisions should be confirmed by a Professional Engineer or Registered Architect.