InspectForm
As described:StopNarrowed:NarrowNo as a home-inspection report writer. Go, small, as a Fannie/Freddie PCA report writer, only with PCA-industry access.
property due diligence · ~$400 a month per firm · last reviewed (next review by 29 Dec 2026) · 34 cited sources
Field-to-report software for small US firms writing property condition assessments for multifamily lenders, producing Fannie Mae 4099, Freddie Mac 1105 and ASTM E2018 reports
Odds of reaching each MRR level by month 24
| MRR by month 24 | ~15 hrs/week | Full-time |
|---|---|---|
| $1k | Reaching $1k MRR by month 24 at about 15 hours a week: ≈ 40 in 100 (40%, judgment estimate). | Reaching $1k MRR by month 24 at full-time: ≈ 55 in 100 (55%, judgment estimate). |
| $3k | Reaching $3k MRR by month 24 at about 15 hours a week: ≈ 25 in 100 (25%, judgment estimate). | Reaching $3k MRR by month 24 at full-time: ≈ 40 in 100 (40%, judgment estimate). |
| $5k | Reaching $5k MRR by month 24 at about 15 hours a week: ≈ 17 in 100 (17%, judgment estimate). | Reaching $5k MRR by month 24 at full-time: ≈ 30 in 100 (30%, judgment estimate). |
| $10k | Reaching $10k MRR by month 24 at about 15 hours a week: ≈ 8 in 100 (8%, judgment estimate). | Reaching $10k MRR by month 24 at full-time: ≈ 16 in 100 (16%, judgment estimate). |
| $20k | Reaching $20k MRR by month 24 at about 15 hours a week: ≈ 3 in 100 (3%, judgment estimate). | Reaching $20k MRR by month 24 at full-time: ≈ 7 in 100 (7%, judgment estimate). |
| $50k | Reaching $50k MRR by month 24 at about 15 hours a week: < 1 in 100 (<1%, judgment estimate). | Reaching $50k MRR by month 24 at full-time: ≈ 1 in 100 (1%, judgment estimate). |
For context: across 10,150 products listing verified revenue on TrustMRR, the median makes about $30 a month and about 5% make more than $8k (analysis, Sept 2026). The odds above assume the founder conditions below are met and the narrowed version is built, so they sit well above that all-comers rate. Why.
How many months at the plan’s pace
At $400/month per customer and 1.5% monthly churn, adding the customers the plan needs for its month-24 checkpoint. Change any of it in the what-if model.
| MRR | ~15 hrs/week | Full-time |
|---|---|---|
| $1k | 5 mo | 2 mo |
| $3k | 14 mo | 6 mo |
| $5k | 2 yr 1 mo | 10 mo |
| $10k | 5 yr 5 mo | 21 mo |
| $20k | not reached | 4 yr 3 mo |
| $50k | not reached | not reached |
This works only if you…
1. PCA-industry access. This is the moat, and the main risk(missing it: odds × 0.35)
You, a co-founder or a paid advisor must have written or reviewed at least 50 Fannie Mae or Freddie Mac PCAs, and be able to get 10 firm principals on the phone within 30 days. Fannie and Freddie set degree and experience rules for PCA consultants and field observers (research/10). Outsiders don't get meetings. Without this, multiply every recommended figure by ~0.35.
2. Sell before building(missing it: odds × 0.7)
3 firms paying ≥$300/month for a hands-on service ("send us your field notes and photos, we return a formatted 4099 draft and a pre-submission check") before any product code is written.
3. Hours in US business time(missing it: odds × 0.7)
At least 5 of your weekly hours must be live calls with firm principals and assessors during their working day.
4. Hours per week available(missing it: odds × 0.7)
, stated honestly up front. The two columns above are different plans, not one plan run faster.
Evidence ledger
9 research findings: 0 sourced, 0 inferred, 0 unproven, 9 not rated. Tags come from the analyst's own confidence label; how tags work.
- F1. Spectora: bootstrapped to ~$30M ARRNot rated
- F2. Spectora already includes the Florida insurance formsNot rated
- F3. The forms are mandated, revised in 2026, and widely coveredNot rated
- F4. Florida volume is real, but fees are lowNot rated
- F5. Sewer scope has no mandated form and is already an add-onNot rated
- F6. PCA reports for multifamily lenders follow mandated formatsNot rated
- F7. GSE PCA consultants are a credentialed, closed groupNot rated
- F8. PCA software today is generic assessment toolingNot rated
Sources
34 cited sources
- Indie Hackers, 2 Jan 2026 (indiehackers.com)
- Spectora pricing (spectora.com)
- Spectora add-on services (spectora.com)
- Spectora sewer scope article (spectora.com)
- Simpson Strong-Tie blog on Rev 04/26 (seblog.strongtie.com)
- HIP help: 2026 form (help.homeinspectorpro.com)
- ISN: Citizens 4-point template (inspectionsupport.com)
- Palmtech (palmtech.com)
- WindSurance store (windsurance.com)
- QuickFill (quickfillhomeinspectionsoftware.com)
- 4pointinspectionform.com (4pointinspectionform.com)
- Citizens wind-loss mitigation guide, Rev 04/26 (training.citizensfla.com)
- Citizens inspections (citizensfla.com)
- Citizens FAQ: 4-point age (securesupport.citizensfla.com)
- MSFH 2025 flyer (mysafeflhome.com)
- PropertyExemption: MSFH 2026 update (propertyexemption.com)
- ReportWalk blog (blog.reportwalk.com)
- Fannie Mae Multifamily Guide 404 (mfguide.fanniemae.com)
- Form 4099 redline 2022 (mfguide.fanniemae.com)
- Form 4099 redline 2024 (mfguide.fanniemae.com)
- Form 4099.G redline 2025 (mfguide.fanniemae.com)
- Form 4099 (2026) (multifamily.fanniemae.com)
- AEI sample streamlined 4099A (aeiconsultants.com)
- AEI sample 4099 (aeiconsultants.com)
- Partner ESI: Freddie or Fannie report (partneresi.com)
- Partner ESI: Freddie 1105 (partneresi.com)
- Cretelligent: PCA guidelines for multifamily loans (cretelligent.com)
- Layer ASTM E2018 (layer.team)
- Gordian Kykloud (gordian.com)
- HappyCo asset evaluation (happy.co)
- FHFA 2025 caps (fhfa.gov)
- FHFA 2026 caps (fhfa.gov)
- NAHB (nahb.org)
- Scotsman Guide (scotsmanguide.com)