How to Use an AI Real Estate Contract Analyzer

Step 1 · Upload

Upload your purchase agreement

Open the Contract Analyzer and upload the purchase agreement as a PDF or a photo of the pages. It works with the standard state and association forms — Florida FAR/BAR, Texas TREC, California CAR RPA, Georgia GAR, New York and New Jersey attorney contracts — as well as custom or broker-drafted contracts.

The contract can be a draft, signed by one party, or fully executed. Include every addendum and rider you received: AS IS riders, HOA and condo addenda, lead-based paint disclosures, financing addenda. Terms that change the deal frequently live in the attachments rather than the main form.

• Upload the full document, not just the signature page
• Include all addenda and riders
• Make sure scans and photos are legible — blank or blurry fields get flagged as unreadable

Step 2 · Summary

Review the contract summary

The first thing the report returns is the form it detected and the state it belongs to, the property address and parties, and the execution status — draft, signed by buyer only, signed by seller only, or fully executed.

Under that you get a one-sentence plain-English summary of the deal and an overall risk rating of low, medium, or high. Start here. If the form or the address is wrong, you uploaded the wrong document. If the risk rating is high, read the red flags section before anything else.

Step 3 · Financial

Check purchase price and financial terms

The financial section itemizes every number in the contract: purchase price, earnest money with the escrow holder and the deposit due date, financing type and amount, seller concessions, how closing costs are allocated, and any commission terms written into the document.

This is where sellers most often find something they did not realize they agreed to — a large closing cost credit, a low earnest money deposit, or a commission obligation buried in the offer. Compare these numbers against your own estimate first.

Step 4 · Deadlines

Identify deadlines and key dates

Every date-driven obligation in the contract comes back as its own line: the effective date, inspection period end, financing and loan approval dates, appraisal deadline, title review, HOA or condo document review, disclosure delivery, survey, closing date, and possession.

Each one names who is responsible and what happens if the date is missed. Missing a deadline is the single most expensive mistake in a residential transaction — it can forfeit earnest money or hand the other party a free exit. Put every date from this section on a calendar with a reminder two days early.

Step 5 · Contingencies

Review contingencies

Contingencies are the exits. The report lists each one present in the contract — inspection, financing, appraisal, title, sale-of-home, HOA or condo, insurance, survey — with its length, which party it protects, and what can go wrong.

Read this section as a risk map. A long inspection period with a broad cancellation right favors the buyer. A waived appraisal contingency favors the seller. A sale-of-home contingency means your closing depends on a property you have no control over.

Step 6 · Key Clauses

Look at key clauses and addenda

This section surfaces the clauses that change how the deal behaves: AS IS riders, repair caps and limits, default remedies, dispute resolution through mediation or arbitration, assignability, FIRPTA, lead-based paint, and HOA or condo addenda.

These rarely get attention during negotiation and matter enormously if something goes wrong. An arbitration clause changes how a dispute is resolved. An assignability clause lets the buyer transfer the contract to someone else. A repair cap limits what you can be asked to fix.

Step 7 · Red Flags

Review potential red flags

The red flags section calls out anything that should make either party pause: blank fields, handwritten or initialed changes, missing standard contingencies, unusually short or long periods, unusual seller credits, escalation clauses, and terms that shift risk asymmetrically.

Nothing here is automatically a deal-breaker. Treat each item as a question to ask before you sign or before a deadline passes. If the section returns nothing, the analyzer says so explicitly rather than inventing concerns.

Step 8 · Act On It

Use the negotiation points and next steps

The report closes with two action sections. Negotiation points suggest specific things to push back on, ask for, or strike — the parts of the contract that are still movable. Next steps give you a short ordered list of what to actually do: schedule the inspection, confirm the earnest money wire, request HOA documents, order the survey.

This is what turns the analysis into a plan. Work the next steps list in order and the deadlines section stops being a threat.