Add rental platform strategy document

rental-platform/strategy.md

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+# Vetted Renter Platform — Strategy
+**Date:** 2026-02-22
+**Status:** Idea stage — pressure-tested, not yet in development
+**Parent doc:** rental-platform/concept-brief.md
+
+---
+
+## ML Prediction Layer
+
+### The Cold Start Solution
+The model is trained on existing landlord-reported failure outcomes working backwards to identify upstream signals — solving the cold start problem before the platform has accumulated its own outcome data.
+
+**Data sources for reverse training:**
+- BiggerPockets forums: years of landlord-reported outcomes, failure patterns, red flags, and warning signs
+- Reddit (r/Landlord, r/PropertyManagement): same, less filtered
+- Court records: eviction filings are public in most states and provide structured outcome data
+- CFPB complaint database: financial behavior patterns at scale
+- Academic housing research: pre-cleaned and labeled datasets
+
+**What the model predicts:**
+Not just "will this person pay rent" — it identifies which specific risk factors contributed to failure in similar profiles. The output is actionable reasoning