A computer program product, saved on a memory connected to a computer, to protect a purchase price of real estate to minimize liability risk associated with a loss of value of the real estate. The computer program product includes programs by which the computer executes a plurality of steps. The steps include selecting at least one inventory of real estate for processing and calculating a protected price of at least one unit of the selected at least one inventory. An exercise option for the at least one unit based on the start date and the protected price may be determined and an opt-out option based on the start date and the protected price may also be determined. At least one of (a) a first output or an exercise failure output based on the exercise option or (b) a second output or an opt-out failure output based on the opt-out option may be output.