M

[M @KOTSHY]

@nejatian What if @Opendoor didn’t just buy and sell homes—but maintained them too? A subscription maintenance package could boost property value, streamline resales, and build lifelong customer relationships. 🏡🔧
@morganb @lucmatheson

[M @KOTSHY]

@morganb Sell faster. move smarter

[M @KOTSHY]

@morganb “Click. Close. Move.”

[M @KOTSHY]

@maelan_sdmr @nejatian May you plz forward this idea to kaz

https://t.co/N4bq71ZDGa

[M @KOTSHY]

@nejatian
Hi Kaz — I have an idea that could significantly enhance Opendoor’s customer experience using AI.

Imagine an AI-powered real estate agent that can instantly engage with customers 24/7.

[M @KOTSHY]

@maelan_sdmr @nejatian @morganb @BradBonney @kianejatian What u say about this idea of an Ai bot act as a customer service for Opendoor

https://t.co/N4bq71ZDGa

[M @KOTSHY]

@nejatian
Hi Kaz — I have an idea that could significantly enhance Opendoor’s customer experience using AI.

Imagine an AI-powered real estate agent that can instantly engage with customers 24/7.

[M @KOTSHY]

@nejatian @Opendoor What i mean with agent is a bot act as customers support in a chatGpt style

[M @KOTSHY]

@nejatian @Opendoor Can you plz see this idea, couldn't post it on reply

https://t.co/N4bq71ZDGa

[M @KOTSHY]

@nejatian
Hi Kaz — I have an idea that could significantly enhance Opendoor’s customer experience using AI.

Imagine an AI-powered real estate agent that can instantly engage with customers 24/7.

[M @KOTSHY]

This could transform Opendoor from a transaction platform into a fully intelligent real estate assistant like chatGPT style.

Would love to hear your thoughts.

[M @KOTSHY]

@nejatian
Hi Kaz — I have an idea that could significantly enhance Opendoor’s customer experience using AI.

Imagine an AI-powered real estate agent that can instantly engage with customers 24/7.

[M @KOTSHY]

To take it further:
• Predict optimal listing timing based on local demand signals
• Suggest renovations that maximize property value before selling
• Provide dynamic pricing updates as market conditions change
• Integrate voice/chat interface for seamless interaction

[M @KOTSHY]

In theory, combining:
superior pricing data
real-time market liquidity insights
automated underwriting
could lower both the risk premium and the operational cost embedded in mortgage rates.

[M @KOTSHY]

@nejatian @marcuslemonis @maelan_sdmr @Nugget_Trades

One of the largest components of mortgage costs comes from risk premiums and operational inefficiencies. Traditional banks often price mortgages using broad regional data and relatively slow appraisal processes,

[M @KOTSHY]

Additionally, AI-driven automation could significantly reduce mortgage origination costs by replacing traditional intermediaries such as appraisers, underwriters, and loan processors.

[M @KOTSHY]

@nejatian As you scale the mortgage offering, is there a scenario where internal funding could materially increase capital requirements and introduce balance sheet risk, potentially limiting growth flexibility?

[M @KOTSHY]

@nejatian On the mortgage product — can you clarify whether the capital funding these loans is coming directly from Opendoor’s balance sheet, or primarily from third-party warehouse lines and secondary market investors?