Realtor + Insurer + Lender + HOA partner integration scaffolds

Phase 25 of the master plan calls for ecosystem partnerships: realtors who have a buyer who needs a remodel before close, insurers who need to route a first-notice-of-loss claim to a contractor, lenders who need to sequence draw disbursements against renovation milestones, HOAs who need an architectural-review-committee packet, property managers who need a contractor dispatched against a unit-level work order. Wave 293B is the scaffold for all five.

The implementation pattern is the same across the five categories: an adapter per partner, a registry that dispatches by partner ID, a typed normalized message that flows into the AskBaily matching engine. Each adapter lives in lib/ecosystem/{realtor,insurer,lender,hoa,property-manager}/ and tests live alongside in __tests__/ecosystem/.

Realtor adapters (Redfin, Compass, Realtor.com): when an agent flags a listing as "remodel candidate" or "buyer wants to remodel before close," the adapter creates an AskBaily project skeleton with the listing address (Wave 292G personalization auto-fills the parcel + year built + overlays), the buyer's contact handoff, and the realtor as a referrer. Closed-won attribution flows back to the realtor as a referral fee per the operator-side BD agreement.

Insurer adapters (State Farm, Allstate, USAA): the FNOL router takes a claim payload, normalizes it to the AskBaily project shape, and routes to a Lane A vetted GC who is licensed in the right jurisdiction and covered for the right claim type (water, fire, wind, mold). The router enforces insurance compliance — it will not match a claim to a contractor whose general liability is under the insurer's minimum, and it logs the match decision to the Trust Ledger for retroactive audit.

Lender adapter (draw-disbursement): a renovation loan typically pays out in milestone tranches. The adapter receives a draw schedule from the lender, ties each tranche to a project milestone in the AskBaily timeline, and signals the lender when the milestone is verified (contractor invoices through Stripe Connect Wave 295C, milestone marked complete). The lender releases the next tranche.

HOA ARC packet submitter: most HOA architectural-review-committee submissions are PDF-and-email-and-physical-mail nightmares. The adapter takes the AskBaily project + photos + permit references and assembles a structured ARC packet matching the HOA's published rubric. The HOA still reviews manually; we just remove the assembly burden from the homeowner.

Property-manager work-order router: PM firms (Yardi-style operations) generate unit-level work orders. The router takes a work order, infers the trade required, matches to a contractor by sub-trade graph (Wave 293C), and tracks completion. PMs running large portfolios get a dashboard at /for-property-managers/work-orders (Wave 294B).

100 tests cover the five adapter categories, the partner-specific shape edge cases (Redfin's listing schema vs. Compass's, State Farm's FNOL field names vs. Allstate's), the registry dispatch, and the FNOL router's compliance enforcement (refuse to match if GL minimum not met). The full path is operator-gated: each partner requires a separate BD agreement, API credentials, and a co-marketing handoff.