# Single-Family Detached

> Single-Family Detached packages domestic space into a legally and financially recognizable asset

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

## What it is

Single-Family Detached 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

Single-Family Detached 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:** Single-Family Detached packages domestic space into a legally and financially recognizable asset
- **Gift:** Clarity about single-family detached makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When single-family detached 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 single-family detached is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

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

## Divination

The Tension enters the reading through Single-Family Detached. 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 Single-Family Detached 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 1.

## Relationships

- **House constrains Single-Family Detached.** House constrains Single-Family Detached through a change in rights, information, cash flow, priority, timing, or physical use.
- **Single-Family Detached enables Townhouse.** Single-Family Detached enables Townhouse through a change in rights, information, cash flow, priority, timing, or physical use.
- **Single-Family Detached enables Multifamily.** Single-Family Detached enables Multifamily 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 Single-Family Detached 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 Single-Family Detached: 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.
