Hometeam Inspection Service vs Housemaster
Hometeam Inspection Service vs Housemaster: Hometeam Inspection Service costs $65K–$92K to open; Housemaster costs $69K–$113K. Hometeam Inspection Service has 200 units, Housemaster has 235. SBA loan history: Hometeam Inspection Service = 37 loans (16.2% default); Housemaster = 24 loans (8.3% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Hometeam Inspection Service vs Housemaster: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from FDD filings and SBA 7(a) loan-level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Hometeam Inspection Service requires the lower minimum capital commitment ($65K vs $69K for Housemaster), a 5% spread. Initial franchise fees come in at $55K for Hometeam Inspection Service versus $43K for Housemaster, Housemaster has the lower entry fee. Ongoing royalty load is 6% for Hometeam Inspection Service and 7.5% for Housemaster, giving Hometeam Inspection Service the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Housemaster operates 235 units to Hometeam Inspection Service's 200.
SBA Lending Profile
Hometeam Inspection Service has the deeper SBA lending track record with 37 historical 7(a) approvals versus 24 for Housemaster. Hometeam Inspection Service's peak SBA year was 2018 (8 loans); Housemaster's peak was 2024 (6 loans). Housemaster's more recent peak generally indicates fresher lender appetite. Geographically, Hometeam Inspection Service concentrates in MI (4 SBA-funded units) while Housemaster leads in FL (5). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Hometeam Inspection Service deals is $98K vs $138K for Housemaster, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 16.2% for Hometeam Inspection Service and 8.3% for Housemaster, Housemaster has the cleaner historical loss profile by 7.9 points. PeerSense FPI scores come in at 54 (Moderate) for Hometeam Inspection Service and 66 (Strong) for Housemaster, giving Housemaster the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 54/100 | 66/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Growing |
SBA Lending
SBA Loans | 37 | 24 |
SBA Volume | – | – |
Default Rate | 16.2% | 8.3% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $65K – $92K | $69K – $113K |
Franchise Fee | $55K | $43K |
Royalty Rate | 6% | 7.5% |
Ad Fund | 3% | 2.5% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 200 | 235 |
Franchised Units | 200 | 235 |
Company-Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | N/A | 1971 |
Franchising Since | 1992 | 1979 |
Years Franchising | 34 yrs | 47 yrs |
Headquarters | ELKRIDGE, MD | Somerville, NJ |
Category | Building Inspection Services | Building Inspection Services |
Website | ||
FDD Year | 2026 | 2026 |
Which Is Better, Hometeam Inspection Service or Housemaster?
Lower upfront capital required
Hometeam Inspection Service
Hometeam Inspection Service: $65K starting · Housemaster: $69K starting
More SBA lender confidence
Hometeam Inspection Service
Hometeam Inspection Service: 37 SBA loans · Housemaster: 24 SBA loans
Lower historical default rate
Housemaster
Hometeam Inspection Service: 16.2% · Housemaster: 8.3%
Larger system & brand presence
Housemaster
Hometeam Inspection Service: 200 units · Housemaster: 235 units
Lower ongoing royalty load
Hometeam Inspection Service
Hometeam Inspection Service: 6% · Housemaster: 7.5%
More lender financing options
Hometeam Inspection Service
Hometeam Inspection Service: 16 unique lenders · Housemaster: 8 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
Hometeam Inspection Service vs Housemaster: Franchise Funding Comparison
Comparing Hometeam Inspection Service and Housemaster is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $65K to $113K.
Both brands have active SBA lending histories, Hometeam Inspection Service with 37 SBA loans and Housemaster with 24. This means proven lender acceptance and established underwriting paths for franchise buyers.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Hometeam Inspection Service vs Housemaster, Frequently Asked Questions
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