I'm not sure actuary table would work in such case. Actuary tables work when we're dealing with random events. House problems aren't random, and my wish as a se

I'm not sure actuary table would work in such case. Actuary tables work when we're dealing with random events. House problems aren't random, and my wish as a seller to hide the problems from the buyers is definitely not random. So each shortcut taken by the buyer allows an opening for me as a seller to cheat. Of course, 95% of people won't cheat. But we're talking about million-dollar deals, even 5% of cheating could lead to huge losses. Certified used car is under control of the certifier so their risk is minimal, and my risk is as much as I trust a big brand not to cheat me. There's a risk, but a known and identifiable one. When buying a house, there's no such control, so exposure is much bigger. Of course, if a big brand has a house and is willing to guarantee it, it'd be an attractive offer to me as a buyer, but they'd need to somehow reduce their own exposure to the risks first.