For investors

The operating system for the American homeowner.

Surf Local turns the largest, most fragmented consumer category in America — everything to do with owning a home — into one AI-native platform with multiple built-in revenue lines. National by design; launching in Florida.

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$34T

US homeowner equity — the largest store of household wealth in America

$657B

annual US home-services market Surf Local plugs into

$86B

projected US proptech market by 2035 (~15% CAGR)

92%

of leading real estate firms already run AI

Why invest in Surf Local?

Surf Local is building the operating system for the American homeowner — one place to buy, sell, finance, and maintain a home. It targets a multi-trillion-dollar category that today runs on a dozen disconnected apps, monetizes through an embedded mortgage experience and a home-services marketplace, and is built AI-native: MCP-enabled and governed, so it becomes the platform AI agents transact through as home management goes agentic.

The opportunity

A multi-trillion-dollar category, still run on disconnected apps.

US homeowners hold roughly $34 trillion in home equity, yet the tools to manage a home are scattered across listing sites, lender portals, spreadsheets, and one-off service apps. Surf Local consolidates that attention into a single operating system — and owns the homeowner relationship the whole category depends on.

Number	What it is	Source
$34T	US homeowner equity — the wealth Surf Local helps owners understand and use	Goldman Sachs Research, 2025
~$11T	tappable home equity at record highs across ~48M mortgage holders	ICE / Cotality, 2025
$657B	US home-services total addressable market — 665M projects a year	Angi TAM report
$842B	US home-service market in 2026, growing toward ~$989B by 2031	Mordor Intelligence, 2026
$21.5B→$86B	US proptech market, 2025 → 2035 (≈15% CAGR)	Precedence Research, 2026
92%	of leading real estate firms already running AI (up from ~5% three years ago)	industry reporting, 2026

Why now

AI just changed how homeowners find and choose everything.

An adoption inflection

92% of leading real estate firms now run AI, up from ~5% three years ago — the category is re-platforming around it.

AI sends higher-intent users

AI-referred visitors convert at multiples of traditional search. A platform AI agents can actually use captures that demand at the source — that's what MCP unlocks.

Capital is following

Proptech is a ~$50B market compounding around 15% a year, and a growing share of investors plan to increase AI-proptech exposure in 2026.

Equity is unlocking

Record home equity and an easing-rate cycle push refinance and improvement demand straight into Surf Local’s monetized surfaces.

Sources: industry AI-adoption reporting; AI-search referral conversion studies; Precedence Research / Mordor Intelligence (proptech market); Goldman Sachs Research (equity), 2025–2026.

How it compounds

Multiple revenue lines, one homeowner relationship.

Embedded mortgage

Mortgage originations from inside the homeowner journey through lending partners. A near-term monetization anchor.

Home-services marketplace

Everything Home connects homeowners to vetted pros in a $657B market — a reverse-auction the homeowner controls.

Agent subscriptions

Agents pay to live inside their clients’ Home Vault between transactions.

Embedded partners

Category partners pay to reach homeowners at the exact moment of intent.

MCP & AI governanceEmerging

Connector subscriptions and governed agent access via the Crittora Agent Authority Broker — a new revenue layer as commerce goes agentic.

Home Vault data

A living record of every home compounds into the category’s most valuable first-party dataset.

The agentic moat.

As homeowners hand more of their lives to AI agents, those agents need a trusted, governed place to act on a home. Surf Local is MCP-enabled and hosts the Crittora Agent Authority Broker — every agent action is cryptographically verified and time-bound. Surf Local isn’t a tenant on someone else’s AI platform; it’s the governance layer other agents route through. That position compounds: more homeowner data and more governed agent traffic make the platform harder to replace.

MCP-enabledCrittora-governedAgentic-commerce ready

The future of property technology

Real estate is moving from search to action — and MCP is at the center.

The next era of real estate isn’t just helping someone find a home. It’s helping people and their AI assistants understand the home, evaluate the opportunity, connect with the right professionals, and move forward — securely. Surf Local is built for a home journey where a buyer’s AI, a seller’s AI, an agent’s AI, and service-provider systems coordinate through one trusted, MCP-governed platform.

Buyer’s AI assistant

Searches, compares, and verifies homes on the buyer’s behalf — then acts.

Seller’s AI assistant

Prepares, prices, and positions a home, coordinating the sale.

Agent’s AI assistant

Runs the transaction end to end without jumping between disconnected tools.

Provider systems

Quote, schedule, and complete services securely — invited by the homeowner.

All coordinated through Surf Local’s MCP layer, governed by Crittora — cryptographically verified and time-bound.

“Real estate is moving from search to action. The next breakthrough is helping humans and their AI assistants understand the home, evaluate the opportunity, connect with the right professionals, and move forward with confidence.”— Stephen Sirop, Founder, Surf Local

Backed & secured

Backed by industry leaders. Secured by advanced technology.

Surf Local is backed by David Steward, founder and chairman of World Wide Technology — a leading global technology solutions provider — and secured by Crittora, a next-generation encryption and transaction-security layer that safeguards high-value data and sensitive interactions across the platform.

David Steward · World Wide TechnologySecured by Crittora

Rollout

National ambition, disciplined execution.

Built for 50 states

National architecture from day one; Florida is the beta, not the ceiling.

One focused wedge

A multi-partner model and a write-once platform keep execution tight.

AI-native, not retrofitted

Cynthia AI and MCP governance are core to the product, not features bolted on later.

Owns the front door

Surf Local sits upstream of every home decision — the position the whole value chain competes to reach.

Newsroom

In the news.

Press ReleaseJuly 9, 2026 · Boca Raton, FL

Surf Local Launches AI Platform Unifying the Full Homeownership Experience

Surf Local today announced the launch of its AI-native real estate platform built to become the front door to everything home — bringing home search, home intelligence, agent workflows, homeowner data, and service connections into one connected platform for consumers, agents, and service providers.

At the center is Cynthia, Surf Local’s AI real estate assistant, which helps consumers search for homes, understand property details, evaluate Home Score insights, and take next steps across the home journey. Surf Local is designed not only for today’s users, but for a future where a buyer’s AI, a seller’s AI, an agent’s AI, and service-provider systems coordinate securely through the platform.

“Real estate is moving from search to action. The next breakthrough is helping humans and their AI assistants understand the home, evaluate the opportunity, connect with the right professionals, and move forward with confidence.”— Stephen Sirop, Founder, Surf Local

Surf Local challenges the traditional pay-per-lead model — no pay-to-win placement, no lead-buying advantage, and no subscription barrier for real estate professionals. The platform is backed by David Steward, founder and chairman of World Wide Technology, and secured by Crittora, a next-generation encryption and transaction-security layer. Surf Local is launching in Florida, with plans to expand across additional markets.

Media contact: Stephen Sirop, Founder · steve@surflocalx.com

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More announcements coming soon.

See the full picture.

Request the investor deck for the model, roadmap, and detailed financials.

For informational purposes only. This is not an offer to sell or a solicitation of an offer to buy any security.