Florida DSCR Cash-Out Refi Intelligence: Dormant Equity Aggregate

# Dormant Equity Aggregate

**Dormant Equity Aggregate** is the anonymized analytical companion to the record-level **Dormant Equity Reactivation** listing.

It helps lender data teams evaluate the Florida DSCR cash-out refinance opportunity before purchasing identity-level investor records.

This product summarizes approximately **95,000 Florida rental investors** with:

- **Deep modeled portfolio equity**
- **Low modeled portfolio leverage**
- **Low modeled distress exposure**
- **No trailing-12-month transaction activity**
- **Rental-shape portfolios**

Unlike the record-level product, this aggregate listing does **not** expose investor names, investor IDs, mailing addresses, mailing city/state/ZIP, or individual investor rows.

Instead, it provides **banded, grouped, suppression-protected analytical views** that support market sizing, cohort composition review, and campaign planning.

## What This Product Helps You Answer

Use Dormant Equity Aggregate to evaluate:

- How large is the Florida dormant-equity opportunity?
- How much modeled portfolio equity exists in the cohort?
- How many investors sit in high-equity / low-LTV bands?
- Are these meaningful rental operators or small one-off owners?
- How does the cohort distribute by entity versus individual ownership?
- How clean is the cohort from a distress and exit-propensity standpoint?
- How would the cohort break into campaign tiers before buying record-level data?

This is not a raw property table, contact file, or identity product. It is an anonymized cohort intelligence product built from InvestorScope.

## Included Aggregate Views

This product includes seven Snowflake objects:

- DORMANT_EQUITY_AGG_OVERVIEW<br/>Executive snapshot of the full Dormant Equity cohort.
- DORMANT_EQUITY_AGG_EQUITY_LTV<br/>Distribution of investors by modeled portfolio equity band and portfolio LTV band.
- DORMANT_EQUITY_AGG_PORTFOLIO_SCALE<br/>Distribution by property-count band and modeled portfolio-value band.
- DORMANT_EQUITY_AGG_INVESTOR_TYPE<br/>Distribution by investor type and mailing-location bucket.
- DORMANT_EQUITY_AGG_BEHAVIORAL_SEGMENTS<br/>Distribution by capital readiness, distress exposure, and exit propensity tiers.
- DORMANT_EQUITY_AGG_CAMPAIGN_TIERS<br/>Campaign-priority tiers for DSCR cash-out audience planning.
- INVESTORSCOPE_CODE_DICTIONARY<br/>Reference view defining exposed codes, labels, descriptions, and sort orders.

Each aggregate view is designed around a specific buyer question. The goal is to make the data easy to understand and query, not force buyers to reverse-engineer one giant multidimensional table. Humanity has enough puzzles.

## What Is Included

The aggregate views include banded and grouped metrics such as:

- Modeled portfolio equity bands
- Modeled portfolio LTV bands
- Property-count bands
- Modeled portfolio-value bands
- Entity versus individual investor segmentation
- In-state versus out-of-state mailing-location bucket
- Capital reinvestment readiness tiers
- Distress exposure tiers
- Exit propensity tiers
- DSCR cash-out campaign priority tiers
- Investor counts
- Median modeled portfolio value
- Median modeled portfolio equity
- Median portfolio LTV
- Median properties owned
- Total modeled portfolio equity

Where coded fields are used, the views include human-readable labels. The product also includes an INVESTORSCOPE_CODE_DICTIONARY view so buyers can understand code meanings directly inside Snowflake.

## What Is Not Included

This product does **not** expose:

- Investor names
- Investor IDs
- Mailing addresses
- Mailing city, state, or ZIP
- Property-level records
- Parcel-level data
- Florida county, MSA, CBSA, or property-level geography
- Individual investor rows
- Contact data

All views are anonymized and aggregate-only.

## Anonymization and Suppression

All aggregate views are built from the qualified Dormant Equity Reactivation cohort and use suppression rules to reduce re-identification risk.

Rows are only exposed where the segment contains at least **50 investors**. Segments below that threshold are suppressed.

This product is intended for **cohort evaluation**, **market sizing**, **segment analysis**, and **campaign planning**. It is not intended to identify individual investors.

## Relationship to the Record-Level Listing

This aggregate product is the companion to:

**Florida DSCR Cash-Out Refi Intelligence: Dormant Equity Investors**

Use the aggregate listing to evaluate cohort composition before purchasing record-level investor data.

The natural buyer path is:

**Aggregate companion → understand the opportunity → buy record-level Dormant Equity Reactivation**

The record-level listing includes identity-level investor records, exact values, InvestorScope codes and scores, mailing fields, and cross-recipe qualification flags. The aggregate companion provides a lower-cost analytical entry point without exposing identity-level records.

## About InvestorScope

This product is derived from **InvestorScope**, Leadflow’s investor behavioral intelligence engine.

InvestorScope classifies real estate investors using portfolio ownership, transaction activity, modeled equity and leverage, holding behavior, liquidity events, distress exposure, exit propensity, and asset-class composition.

Dormant Equity Aggregate summarizes the same qualified cohort used in the record-level Dormant Equity Reactivation listing, but presents the information as anonymized, banded, suppression-protected analytical views.

## Responsible Use

This product is designed for **lender intelligence**, **market analysis**, **audience segmentation**, and **origination strategy**.

This product is **not a consumer report** and is **not intended for use in determining eligibility** for credit, insurance, employment, housing, tenant screening, or any FCRA-regulated purpose.

Modeled values are not appraisals, underwriting values, credit decisions, or guarantees of lendable equity.

The product does not guarantee:

- Borrower intent
- Loan eligibility
- Application volume
- Contactability
- Funded-loan outcomes

Buyers are responsible for complying with all applicable marketing, privacy, telemarketing, do-not-call, email, and consumer-protection laws.

原始信息汇总

数据集概述：Florida DSCR Cash-Out Refi Intelligence: Dormant Equity Aggregate

该数据集是 Leadflow 提供的匿名化分析产品，旨在帮助贷款数据团队在购买投资者级别记录之前，评估佛罗里达州 DSCR 现金再融资机会。

核心内容

• 数据规模：汇总了约 95,000 名佛罗里达州租赁投资者的信息。
• 投资者特征：这些投资者具有深度建模的投资组合净值、低建模投资组合杠杆、低建模困境风险、无过去12个月的交易活动以及租赁形态的投资组合。
• 数据属性：匿名化、聚合级别，不包含个人身份信息（如投资者姓名、ID、地址等）或房产级别的记录。

主要用途

此数据集旨在帮助回答以下问题：

• 佛罗里达州休眠资产机会有多大？
• 该群体中有多少建模投资组合净值？
• 有多少投资者处于高净值/低 LTV 区间？
• 这些是有意义的租赁经营者还是小型个人业主？
• 群体在实体与个人所有权之间如何分布？
• 从困境和退出倾向来看，该群体有多“干净”？
• 在购买记录级别数据之前，群体如何划分活动层级？

数据结构与视图

产品包含以下 7 个 Snowflake 对象：

视图名称	描述
DORMANT_EQUITY_AGG_OVERVIEW	完整休眠资产群组的执行概要快照。
DORMANT_EQUITY_AGG_EQUITY_LTV	按建模投资组合净值区间和投资组合 LTV 区间划分的投资者分布。
DORMANT_EQUITY_AGG_PORTFOLIO_SCALE	按房产数量区间和建模投资组合价值区间划分的分布。
DORMANT_EQUITY_AGG_INVESTOR_TYPE	按投资者类型和邮寄位置区间划分的分布。
DORMANT_EQUITY_AGG_BEHAVIORAL_SEGMENTS	按资金准备情况、困境风险和退出倾向等级划分的分布。
DORMANT_EQUITY_AGG_CAMPAIGN_TIERS	用于 DSCR 现金再融资受众规划的活动优先级等级。
INVESTORSCOPE_CODE_DICTIONARY	定义所有暴露代码、标签、描述和排序顺序的参考视图。

数据聚合与匿名化

• 包含的指标：建模投资组合净值区间、LTV 区间、房产数量区间、建模投资组合价值区间、实体与个人投资者分类、州内外邮寄位置、资金再投资准备等级、困境风险等级、退出倾向等级、DSCR 现金再融资活动优先级等级、投资者数量、中位数建模投资组合价值、中位数建模投资组合净值、中位数投资组合 LTV、中位数房产拥有量、总建模投资组合净值。
• 排除的内容：投资者姓名、ID、邮寄地址、城市/州/邮政编码、房产级别记录、地块级别数据、佛罗里达州县级/ MSA/ CBSA 地理信息、个人投资者行、联系数据。
• 匿名化规则：所有聚合视图均应用了抑制规则以降低重识别风险，仅当某个分群包含至少 50 名投资者 时，该行数据才会被暴露。

与其他数据集的关系

此聚合产品是其记录级别产品 “Florida DSCR Cash-Out Refi Intelligence: Dormant Equity Investors” 的配套产品。用户可通过此聚合产品了解群组构成，再购买记录级别的投资者数据。

数据使用与责任声明

• 设计用途：用于贷款机构情报、市场分析、受众细分和发起策略。
• 不作为：消费者报告、信用/保险/就业/住房/租户筛选等 FCRA 监管用途的决策依据。建模价值不代表评估价值、承保价值或信用决策。产品不保证借款人意向、贷款资格、申请量、可联系性或贷款结果。
• 合规责任：购买者需遵守所有适用的营销、隐私、电话营销、禁止来电、电子邮件和消费者保护法律。

访问与定价

• 试用访问：提供有限功能，允许评估产品的结构、架构和分析价值。试用用户可能只能看到部分聚合视图或有限的数据行。
• 付费访问：提供完整的聚合配套产品，包括所有视图和 InvestorScope 代码字典。
• 交付方式：Secure Share（安全共享）。
• 更新频率：每月。