# Fourplex

> Fourplex packages domestic space into a legally and financially recognizable asset

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:residential-property:fourplex` |
| Family | Residential Property |
| Domain | Economics |
| Era | Institutional Age → Collective Age |
| Kind | concept |
| Archetype | The Field |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Fourplex is a concept in the Residential Property family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Fourplex packages domestic space into a legally and financially recognizable asset.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access, certainty, control, value, continuity
- **Inputs:** place, people, records, rules, resources, time
- **Outputs:** rights, constraints, uses, relationships, consequences
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Fourplex packages domestic space into a legally and financially recognizable asset
- **Gift:** Clarity about fourplex makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When fourplex is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when fourplex is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where fourplex appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Fourplex reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Fourplex changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Fourplex changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Fourplex can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Field enters the reading through Fourplex. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What changes when Fourplex becomes the unit of analysis?

**Guidance:** Shift scale, clock, stakeholder, boundary, and claim layer before choosing a move.

## Game function

Creates a graph move that changes the active map. Initiative 3.

## Relationships

- **Household externalizes to Fourplex.** Household externalizes to Fourplex through a change in rights, information, cash flow, priority, timing, or physical use.
- **Triplex externalizes to Fourplex.** Triplex externalizes to Fourplex through a change in rights, information, cash flow, priority, timing, or physical use.
- **Fourplex amplifies Manufactured Home.** Fourplex amplifies Manufactured Home through a change in rights, information, cash flow, priority, timing, or physical use.
- **Fourplex amplifies Hotel.** Fourplex amplifies Hotel through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read Fourplex through the lineage of Residential Property: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Fourplex: one dominant symbolic mechanism with a restrained secondary counterforce; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [FHA Single Family Housing Policy Handbook 4000.1](https://www.hud.gov/hud-partners/single-family-handbook-4000-1) — U.S. Department of Housing and Urban Development; FHA approval, origination, underwriting, appraisal, servicing, quality control.
- [Fannie Mae Selling Guide](https://singlefamily.fanniemae.com/media/document/pdf/selling-guide-february-4-2026) — Fannie Mae; loan eligibility, underwriting, appraisal, delivery.
