Housemaster vs The HomeTeam Inspection Service
Housemaster vs The HomeTeam Inspection Service: Housemaster costs $69K to $113K to open; The HomeTeam Inspection Service costs $65K to $92K. Housemaster has 235 units, The HomeTeam Inspection Service has 9. SBA loan history: Housemaster = 24 loans (8.3% default); The HomeTeam Inspection Service = 9 loans (22.2% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Housemaster vs The HomeTeam Inspection Service: Capital, Scale & Lending Analysis
Analysis based on 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
The HomeTeam Inspection Service requires the lower minimum capital commitment ($65K vs $69K for Housemaster), a 6% spread. Initial franchise fees come in at $43K for Housemaster versus $55K for The HomeTeam Inspection Service, Housemaster has the lower entry fee. Ongoing royalty load is 7.5% for Housemaster and 6% for The HomeTeam Inspection Service, giving The HomeTeam Inspection Service the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Housemaster operates 235 units to The HomeTeam Inspection Service's 9, roughly 26× the system size. Housemaster has been operating 55 years (founded 1971) versus 34 for The HomeTeam Inspection Service (founded 1992), a 21-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Housemaster has the deeper SBA lending track record, with 24 7(a) approvals compared with 9 for The HomeTeam Inspection Service.
Risk Signal
SBA default rates are 8.3% for Housemaster and 22.2% for The HomeTeam Inspection Service, Housemaster has the cleaner SBA loss record by 13.9 points. PeerSense FPI scores come in at 66 (Strong) for Housemaster and 23 (Fair) for The HomeTeam Inspection Service, giving Housemaster the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 66/100 | 23/100 |
Health Tier | Strong | Limited |
Confidence | N/A | N/A |
Lending Trend | Growing | Declining |
SBA Lending
SBA Loans | 24 | 9 |
SBA Volume | – | – |
Default Rate | 8.3% | 22.2% |
Peer Tier | growing | emerging |
Investment & Costs
Total Investment | $69K to $113K | $65K to $92K |
Franchise Fee | $43K | $55K |
Royalty Rate | 7.5% | 6% |
Ad Fund | 2.5% | 3% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 235 | 9 |
Franchised Units | 235 | 9 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 1971 | 1992 |
Franchising Since | 1979 | N/A |
Years Franchising | 47 yrs | N/A |
Headquarters | Somerville, NJ | Milford, OH |
Category | Building Inspection Services | Building Inspection Services |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better, Housemaster or The HomeTeam Inspection Service?
Lower upfront capital required
Tie
Housemaster: $69K starting · The HomeTeam Inspection Service: $65K starting
More SBA lender confidence
Housemaster
Housemaster: 24 SBA loans · The HomeTeam Inspection Service: 9 SBA loans
Lower SBA default rate
Housemaster
Housemaster: 8.3% · The HomeTeam Inspection Service: 22.2%
Larger system & brand presence
Tie
Housemaster: 235 units · The HomeTeam Inspection Service: 9 units
Lower ongoing royalty load
The HomeTeam Inspection Service
Housemaster: 7.5% · The HomeTeam Inspection Service: 6%
More lender financing options
Housemaster
Housemaster: 8 unique lenders · The HomeTeam Inspection Service: 2 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
Housemaster vs The HomeTeam Inspection Service: Franchise Funding Comparison
Comparing Housemaster and The HomeTeam Inspection Service is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $65K to $113K.
Housemaster has 24 SBA loans on record and The HomeTeam Inspection Service has 9. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
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.
Housemaster vs The HomeTeam Inspection Service, Frequently Asked Questions
Which is a better franchise investment, Housemaster or The HomeTeam Inspection Service?
How much does a Housemaster franchise cost compared to The HomeTeam Inspection Service?
Can I finance Housemaster or The HomeTeam Inspection Service with an SBA loan?
Which has a lower SBA default rate, Housemaster or The HomeTeam Inspection Service?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman