Disclaimer

Effective Date: May 1, 2026

PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE USING HOMEFASTCALC.COM.

1. Not Professional Advice

NestCalc.ai LLC dba HomeFastCalc.com is NOT a registered investment advisor. We are NOT registered with the United States Securities and Exchange Commission (SEC) or with any state securities regulator. We are NOT a broker-dealer. We are NOT a real estate agent, mortgage broker, attorney, accountant, or licensed financial professional of any kind.

No fiduciary relationship is created between you and HomeFastCalc.com by your use of the Service.

All content provided by HomeFastCalc.com — including calculations, projections, scenarios, charts, deal scores, PDF reports, and any text or visual output — is for informational and educational purposes only. It does not constitute investment advice, tax advice, legal advice, real estate advice, or financial advice of any kind.

2. Hypothetical Projections, Not Predictions

All calculations, projections, scenarios, and analyses generated by HomeFastCalc.com are entirely hypothetical. They are computed from the inputs you provide (purchase price, expected rent, operating expenses, financing assumptions, holding period, etc.) combined with publicly available economic data such as treasury yields and mortgage rate indices.

The accuracy of every output depends entirely on the accuracy of your inputs. Garbage in, garbage out — if your rent assumption is wrong by $200/month, every cash flow, cap rate, and IRR projection in your report is wrong. The Service cannot validate your inputs against real-world rental comps, real-world expense patterns, or real-world market conditions for the specific property you are analyzing.

Past performance does not guarantee future results. Historical appreciation rates, rental yields, and interest rate trends do not predict future appreciation, rents, or rates.

3. Real Estate Risk

Real estate investing involves substantial risk, including:

• Risk of loss of principal
• Vacancy and tenant default risk
• Property damage and liability risk
• Market downturn and depreciation risk
• Interest rate risk on financed properties
• Liquidity risk (real estate is not quickly sellable)
• Legal and regulatory risk (zoning, rent control, eviction moratoriums)
• Tax law changes that affect deductibility and depreciation
• Insurance availability and cost changes
• Natural disaster, climate, and environmental risk

You can lose part or all of the money you invest in any real estate transaction. Cash flow projections that assume full occupancy and on-time rent collection do not reflect the real-world experience of property owners during economic downturns, local market shifts, or property-specific problems.

4. Data Sources and Their Limits

HomeFastCalc.com displays publicly available economic indicators sourced from the Federal Reserve Economic Data (FRED) API, including treasury yields and mortgage rate series. FRED is a public data service operated by the Federal Reserve Bank of St. Louis. FRED data is not real-time; it is updated on the schedule published by FRED, which can lag market conditions by hours, days, or longer.

Address verification is performed via Smarty (smartystreets.com) and LocationIQ (locationiq.com). These services validate that an address exists; they do NOT verify property ownership, condition, zoning, occupancy status, or value.

The Service does NOT integrate any artificial intelligence, large language model, or machine learning service. All outputs are deterministic calculations from your inputs — there is no AI-generated commentary, no AI-generated valuation, and no AI-generated market analysis.

5. Verify Independently

Before making any real estate, financial, or investment decision based on a HomeFastCalc.com report, you MUST:

• Independently verify every input (price, rent, taxes, insurance, HOA, vacancy assumptions, repair budget) against primary sources or licensed professionals
• Verify rent assumptions against actual rental comps in the specific neighborhood (not city-level averages)
• Verify expense assumptions against actual operating data from a comparable property or from the seller's actual historical records
• Verify financing terms with a licensed mortgage broker or direct lender quote — not estimated rate ranges
• Verify property condition through a licensed inspector
• Verify legal and tax implications with a licensed real estate attorney and a licensed CPA in your jurisdiction

HomeFastCalc.com provides tools — you make the decisions.

6. No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. HomeFastCalc.com makes reasonable efforts to provide accurate calculations and current economic data, but does not warrant that the Service is error-free, uninterrupted, or current at any given moment.

Calculation methodology may be updated at any time without notice. PDF reports generated under one version of the methodology may produce different results when re-run under a later version.

7. Limitation of Liability and Indemnification

To the maximum extent permitted by law, NestCalc.ai LLC dba HomeFastCalc.com, its members, employees, contractors, and affiliates assume no liability for any investment decision made in reliance on the Service. You agree to defend, indemnify, and hold NestCalc.ai LLC dba HomeFastCalc.com harmless from any and all claims, damages, losses, or expenses arising from your use of the Service or any decision you make in reliance on its outputs.

See the Terms of Service for the full liability cap.

8. Contact

• Email: support@nestcalc.ai
• Mailing Address: NestCalc.ai LLC dba HomeFastCalc.com, 30 N Gould St Ste R, Sheridan, WY 82801
• Entity: NestCalc.ai LLC dba HomeFastCalc.com — a Wyoming limited liability company