Abstract: A platform comprising systems, methods, and computer programs for online property bidding, commission bidding, loan ranking, referring, and agent rating is disclosed. The platform provides seller or buyer ways to optimize selling or buying property on their own or using agent services. Seller can post property for auction directly or post property via an agent. Buyer can bid directly on property or bid via an agent. Seller's agent or Buyer's agent bids to offer highest rebate based on commission or fee. The platform also provides a loan ranking system, an agent performance rating system and a referral process.