Item 19 is one of the most important sections of any Franchise Disclosure Document.
It's also one of the most misunderstood.
This is the section where a franchisor may choose to provide a Financial Performance Representation.
Plain English?
It's where a franchise may disclose certain information about sales, revenue, profits, income, cash flow, or other financial performance.
Some franchisors provide an Item 19.
Some do not.
Inspections Over Coffee does not provide a Financial Performance Representation in Item 19 of our Franchise Disclosure Document.
We know people want a number.
How much will I make? How fast will I break even? What does the average owner earn?
Those are fair questions.
But we would rather give you an honest explanation than a number that makes you feel good for ten minutes and creates unrealistic expectations for the next ten years.
Our Franchise Disclosure Document states that we do not furnish or authorize anyone to furnish oral or written information concerning actual, average, projected, forecasted, or estimated sales, revenue, income, profits, earnings, cash flow, return on investment, or financial performance of an Inspections Over Coffee franchise.
It also states that we do not make a Financial Performance Representation as defined by the Federal Trade Commission's Franchise Rule.
In plain English: we do not promise, project, estimate, or represent what you will earn as an Inspections Over Coffee franchise owner.
Because too many variables are outside anyone's control.
A home inspection business is not a vending machine.
You don't insert a franchise fee, push a button, and receive a predictable amount of income.
Your results may depend on:
That last one matters a lot.
The system works when people work the system.
It does not work by osmosis.
Unfortunately, buying a franchise agreement does not automatically upload business discipline into your brain. We checked. Still not a feature.
Not making an Item 19 claim does not mean we refuse to explain the business.
Quite the opposite.
We are happy to explain how home inspection businesses generally generate revenue, what expense categories matter, how ancillary services work, why average ticket size matters, and how owner-operators typically build relationships in their local market.
| Topic | What We Can Explain |
|---|---|
| Revenue Streams | How inspection companies earn revenue from home inspections, ancillary services, commercial inspections, maintenance inspections, and related services. |
| Startup Costs | The estimated initial investment disclosed in Item 7 of the FDD. |
| Business Model | How a home-based, owner-operated inspection business can be structured. |
| Marketing | How relationship-building, local SEO, coffee meetings, reports, reviews, and customer service support business development. |
| Owner Execution | Why consistent follow-up, communication, report quality, and Realtor relationships matter. |
We will not tell you:
If anyone gives you that kind of information about an Inspections Over Coffee franchise and it is not contained in the FDD, you should treat it as unauthorized.
Curtis Kloc has built inspection businesses in multiple markets, including Florida, Colorado, and Arizona.
That history matters because it explains where the Inspections Over Coffee operating system came from.
But historical experience is not a promise that you will achieve the same results.
Different owner. Different market. Different timing. Different competition. Different housing cycle. Different execution.
Same system does not mean same outcome.
That is not pessimism. That's just business.
Instead of asking only, "How much will I make?", we think better questions include:
We are not trying to dodge hard questions.
We are trying to answer them honestly.
The truth is, a franchise can give you systems, training, templates, coaching, support, marketing ideas, website work, SEO help, reporting standards, and a shorter learning curve.
It cannot guarantee that you will execute.
It cannot guarantee your local housing market.
It cannot guarantee agent relationships.
It cannot guarantee reviews.
It cannot guarantee profit.
Anyone who has actually built businesses knows that.
Item 19 is important because it forces a simple question:
Is the franchisor making a financial performance claim or not?
For Inspections Over Coffee, the answer is no.
We would rather teach you how the business works than sell you a dream number.
That may not be as exciting as a big income claim.
But it is much more honest.