# Property Data Collection

> Property Data Collection tests whether the property can support the legal, physical, and market assumptions of the loan

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:collateral-underwriting:property-data-collection` |
| Family | Collateral Underwriting |
| Domain | Technology |
| Era | Institutional Age → Agentic Age |
| Kind | place-or-property |
| Archetype | The Ground |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Property Data Collection is a place or property in the Collateral Underwriting family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Property Data Collection tests whether the property can support the legal, physical, and market assumptions of the loan.

## 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:** Property Data Collection tests whether the property can support the legal, physical, and market assumptions of the loan
- **Gift:** Clarity about property data collection makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When property data collection 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 property data collection is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

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

## Divination

The Ground enters the reading through Property Data Collection. 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 relationships become visible when Property Data Collection is treated as a place rather than only an asset?

**Guidance:** Walk the physical, legal, financial, ecological, and human maps separately before recombining them.

## Game function

Occupies spatial capacity and generates use, cost, externality, identity, or cash flow. Initiative 1.

## Relationships

- **Manual Underwriting prices Property Data Collection.** Manual Underwriting prices Property Data Collection through a change in rights, information, cash flow, priority, timing, or physical use.
- **Value Acceptance prices Property Data Collection.** Value Acceptance prices Property Data Collection through a change in rights, information, cash flow, priority, timing, or physical use.
- **Property Data Collection documents Funding.** Property Data Collection documents Funding 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 Property Data Collection through the lineage of Collateral Underwriting: 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 Property Data Collection: a tactile architectural environment rendered in deep enamel, stone, vegetation, water, and fine metal lines; 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

- [Fannie Mae Selling Guide](https://singlefamily.fanniemae.com/media/document/pdf/selling-guide-february-4-2026) — Fannie Mae; loan eligibility, underwriting, appraisal, delivery.
- [Freddie Mac Single-Family Seller/Servicer Guide](https://guide.freddiemac.com/) — Freddie Mac; loan eligibility, Loan Product Advisor, servicing.
- [Uniform Standards of Professional Appraisal Practice](https://appraisalfoundation.org/pages/uspap) — The Appraisal Foundation; appraisal ethics, development, reporting, review.
