Keepingly × NHSLA · Infrastructure Evaluator

NHSLA Infrastructure Command Center

Keepingly helps NHSLA protect homeowner outcomes across entry, preservation, resilience, recovery, and expansion — with the strongest immediate return in DPA and broader value across the portfolio.

Executive summaryScenario engineRisk driversCapital protectionAsset & wealth
Best near-term case · DPA / Entry
23.00x
ROI
DPA is the strongest near-term wedge: clearer household counts, clearer capital per household, clearest line from documentation continuity to protected outcomes.
Secondary
Blended portfolio ROI
14.15x
Across currently active capital lanes
Tertiary
5-year household value protection
$1.23M
Strategic upside
How to read the model
DPA = strongest immediate wedge · Portfolio = current infrastructure proof · 5-year value = strategic upside.
Best near-term
Wedge
23.00x
DPA / Entry ROI
Broader current
Proof
14.15x
Blended portfolio ROI
Long-term upside
Upside
$1.23M
5-yr asset + wealth value
Scenario
Time horizon
Active lanes
Operating surface
Active wedgeEntry / DPAGreenlineCalAssistNRG
Expansion surfaceRefi readinessInsurance proofTransfer / estateRehab continuityDisaster recoveryEquity withdrawal

Active wedge shows the strongest programs modeled now. Expansion surface shows adjacent NHSLA workflows Keepingly can support next.

Assumptions panel

Source: NHSLA Greenline DPA average award amount. A documentation failure voids the full grant — this is the direct cost of a failed file, not an administrative proxy.
Used for asset protection and homeownership preservation calculations. Separate from DPA capital amount.
A failed CalAssist / hardship recovery documentation file can forfeit up to $100,000 in program assistance. Source: CalAssist program guidelines.
A failed Senior Repair documentation file forfeits the repair grant. Source: NHSLA Senior Repair program anchor.
A failed NRG documentation file forfeits the energy resilience grant. Source: NHSLA NRG program anchor.
First-time DPA buyers refi at higher rates as equity builds within 3–5 years. 78% reflects this cohort's behavior. Source: CFPB first-time buyer refinance data.
Asset protection + wealth layer values documented improvements, maintenance continuity, insurance / refi / resale proof, and equity protection.

Entry / DPA economics

Strongest near-term wedge

DPA / Entry is the strongest near-term wedge because it has the cleanest household economics, the clearest documentation-continuity case, and the most direct path from protected records to protected homeowner outcomes.

Catastrophic inactionAt an 8% documentation failure rate, NHSLA forfeits an estimated 7.2 DPA grants per year — $252,000 in annual grant exposure. Keepingly pays for itself entirely by preventing fewer than 2 grant failures. Every other value category is upside.
Entry households90
Entry capital touched$3,150,000
Entry expected loss without Keepingly$252,000
Entry risk prevented$189,000
HMDA / fair lending compliance$60,750
Homeownership preservation value$31,500
Entry asset / proof value$73,191
Entry attributable cost$14,477
Entry break-even households3
Entry / DPA ROI23.00x
Return on infrastructure
14.15x
Strong
Value over 1yr
$717k
Cost over 1yr
$51k
Annual value
$717k
Per year, active lanes
Annual cost
$51k
Platform + variable
Capital touched
$7.17M
Across active lanes
Wealth protected
$196k
Cumulative over 1yr
Break-even households
23
To recover annual cost
Operational value
$24k
Hours saved + rework avoided
Compliance value protected
$405k
Documentation + delay risk
Asset protection + wealth
$175k
Long-horizon equity
✓
Mission-critical infrastructure case — 14.15x ROI over 1 year
Protects $196k in household wealth across 315 household-years over 1 year — equivalent to 6.2% of NHSLA's annual lending context. Break-even at 23 households — Keepingly pays for itself well within current NHSLA volume.

Blended portfolio case

This reflects the return across the currently modeled NHSLA operating surface. It validates the broader infrastructure case beyond DPA.

LaneHouseholdsCapital touchedValue at riskCompliance value protectedTotal value
Entry Capital
Greenline / DPA / purchase support
90$3.15M$252k$189k$241k
Preservation Capital
Senior repair / rehab / maintenance continuity
80$424k$64k$49k$95k
Resilience Capital
NRG / upgrades / claims readiness
100$300k$36k$27k$72k
Recovery Capital
CalAssist / hardship / recovery documentation
25$2.50M$150k$113k$187k
Expansion Capital
ADU / future value-building improvements
20$800k$17k$2,592$30k

Risk by program lane

Entry
$252k
Preservation
$64k
Resilience
$36k
Recovery
$150k
Expansion
$17k

Scenario engine

ScenarioROITotal valueReadinessDecision meaning
conservative6.42x$314k54/100Still viable
base14.15x$717k63/100Strong case
upside24.02x$1.27M72/100Expansion-ready

DPA remains the strongest near-term ROI lane across scenarios.

Decision outputs

Total value created$716,932
Net value after cost$666,262
Break-even households23
Wealth protected (horizon)$195,678
Share of NHSLA annual lending context6.2%
Capital governed per $1 cost$142

Readiness score

Reporting readiness68/100
Documentation continuity71/100
Asset protection91/100
Wealth preservation71/100
Compliance maturity72/100
Overall readiness74/100

Risk drivers

Documentation gaps100
Rework intensity90
Maintenance continuity risk34
Insurance / proof gap53
Coordination friction78

Asset protection & wealth

Documented improvements$32k
Insurance / refi / resale proof$29k
Preparedness uplift$9,702
Equity preservation capture$55k
Total asset & wealth value$125,971

Deployment timeline

Year 1 · selected
$717k
Cumulative through Year 1
Year 2
$1.48M
Cumulative through Year 2
Year 3
$2.29M
Cumulative through Year 3
Year 4
$3.16M
Cumulative through Year 4
Year 5
$4.08M
Cumulative through Year 5

The longer the record persists, the more value shows up through continuity, documented improvements, and future transactions involving the home.

NHSLA disburses an average $35,000 DPA grant per household. At an 8% documentation failure rate without Keepingly, 7.2 grants are forfeited annually — $252,000 in preventable losses. Keepingly's full program cost is recovered by preventing fewer than 2 grant failures. Risk mitigation alone returns 3.7× before operational savings, asset protection, or wealth generation are counted.
Public defaults sourced from NHSLA program disclosures (Greenline DPA, Senior Repair, NRG, ADU pathway, CalAssist). Mgmt-fill values are adjustable where current throughput is not publicly disclosed. Asset protection and wealth generation values are scenario-mod adjusted and intended for directional decision-making.
Updated · NHSLA 2024 disclosures