| 1 |
Attribute-level agreement with reference fields: cladding, roof covering, garage, basement finish, storeys, building type, kitchen counters/cabinets vs broker fields; storeys vs roll; confusion matrices, accuracy/κ/F1, abstention (not_visible) rates; error taxonomy from evidence strings |
img_* + text_* + frame |
T1 agreement table, F1 confusion heatmaps, T2 error taxonomy |
| 2 |
Visual vs text vs combined: information content of each channel for each attribute (coverage × agreement) and for cost inputs (grade, condition) |
same |
T3, F2 |
| 3 |
Image count (K = 1, 2, 4, 8, 10, 12 by truncation) and photo quality: stability of property-level attributes and of the cost indication |
img_haiku |
F3, T4 |
| 4 |
Expert agreement: not available (no human raters). Substitute: cross-model agreement (Haiku/Sonnet/Opus) per attribute, κ; disagreement cases catalogued; expert protocol proposed (docs/annotation_protocol.md) |
img_* |
T5, F4 |
| 5 |
Cost-component decomposition L / RCN / D / S by price tier, age band, CMA |
cost model |
F5, T6 |
| 6 |
Effect of visually inferred finish grade and condition on RCN and on the cost indication; B0 vs B2/B3 deltas |
cost model |
F6 |
| 7 |
Sensitivity to regional cost level (Altus band ±, StatCan CMA relative growth) |
cost model |
F7 |
| 8 |
Sensitivity to depreciation assumptions: economic life 50/60/75 years, condition→effective-age mapping strength, functional/external obsolescence scenario |
cost model |
F8, T7 |
| 9 |
MNAR photo selection: simulate scene-dependent missingness (drop basement/kitchen images with probability rising in poor condition) and measure bias of grades and cost; empirical MNAR check: listings without a basement/kitchen photo vs broker "Sous-sol" field |
img_* + text |
F9, T8 |
| 10 |
Geographic holdout (Québec CMA) and roll-vintage (2022/2023/2024 market dates) out-of-sample checks of the cost→assessor comparison |
cost model |
T9 |
| 11 |
Subgroup diagnostics: age band, price tier, building type, source, image count |
all |
T10, F10 |
| 12 |
Calibration of the extractor's stated confidence vs agreement with reference; abstention curves; selective prediction |
img_* |
F11, T11 |
| 13 |
Counterfactual renovation/condition scenarios (grade +1, condition +1, extensive renovation) on the cost indication — labelled scenarios |
cost model |
F12 |
| 14 |
Monte Carlo propagation: attribute posterior from confidence + cross-model disagreement; unit-cost band; economic life; land index → interval for the cost indication; coverage vs assessor building value |
cost model |
F13, T12 |
| 15 |
Market-value alignment (labelled as such): cost indication vs asking price; vs Vrai Prix est/cost_est; vs recorded sale price for units sold after listing (if n ≥ 30) |
frame + transactions |
F14, T13 |
| 16 |
Human-in-the-loop gains: not feasible (no raters); replaced by a cost-of-review analysis: how many listings would need review under confidence thresholds |
img_* |
T14 |