feat: add property assessor skill and web automation approvals docs

skills/property-assessor/references/underwriting-rules.md

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+# Property Assessor Underwriting Rules
+
+## Goal
+
+Turn messy property data into a fast investor or buyer decision without pretending precision where the data is weak.
+
+## Practical heuristics
+
+### 1. Use the most comparable comp set first
+- For condos: same-building active and sold comps first.
+- For houses or townhomes: same subdivision or immediate micro-area first.
+- Expand outward only when the close comp set is thin.
+
+### 2. Fixed carrying costs can kill a deal
+High HOA, insurance, taxes, or unusual maintenance burden can make a property unattractive even when price-per-sqft looks cheap.
+
+### 3. Waterfront, coastal, older, or unusual properties deserve extra skepticism
+Assume elevated insurance, maintenance, and assessment risk until proven otherwise.
+
+### 4. DOM and price cuts are negotiation signals, not automatic value
+Long market time helps the buyer, but a stale listing can still be a mediocre deal if the economics are weak.
+
+### 5. Unknowns must stay visible
+If reserve studies, bylaws, STR rules, assessment history, lease restrictions, or condition details are missing, list them explicitly as unresolved diligence items.
+
+## Minimum comp stack
+
+For each property, aim to collect:
+- target listing facts
+- same-building or same-micro-area active listings
+- sold listings if available
+- nearby similar properties
+- rent or lease signals when investment analysis matters
+
+## Carry framework
+
+At minimum, estimate:
+- P&I
+- taxes monthly
+- HOA monthly if applicable
+- insurance assumption or uncertainty note
+- effective carry range after maintenance / vacancy / property friction
+
+If the listing already provides an estimated payment, use it as the starting point, then explain what it leaves out.
+
+## STR / rental notes
+
+Never assume STR viability from location alone. Confirm or explicitly mark as unknown:
+- HOA restrictions
+- minimum stay rules
+- city or building constraints
+- whether the micro-location is truly tourist-driven or just adjacent to something attractive
+
+## Verdict language
+
+Use one of these:
+- `Buy` — pricing and risk support action now
+- `Pass` — weak economics or too much unresolved risk
+- `Only below X` — decent candidate only if bought at a materially lower basis
+
+## Suggested memo template
+
+### Snapshot
+- Address
+- Source links checked
+- Price / type / beds / baths / sqft / HOA / taxes / DOM
+
+### Market read
+- Same-building or same-area active inventory
+- Nearby active comps
+- Any sold signals
+
+### Economics
+- Base carry
+- Effective carry range
+- Rent / STR comments when relevant
+
+### Risk flags
+- HOA or fixed-cost burden
+- insurance / waterfront / age
+- reserves / assessments / restrictions if relevant
+- liquidity / DOM
+
+### Recommendation
+- Fair value range
+- Opening offer
+- Ceiling offer
+- Final verdict