Homes with majors issues like that have been extremely rare in our experience. When they come up, we've been able to catch them early (at least so far). In the future situation where we miss it, we have some back stops with our scope of work agreements. We would be okay eating losses in a lot of situations, to your point about taking a portfolio approach, and then updating our approach to avoid repeating those mistakes. This was something that worked well at Opendoor (buying/selling houses), where I previously worked.

We haven't met service professionals who have the capability to do that directly, but doing so delivers a much, much better homeowner experience.