A method for providing real-time or near real-time insights or appliance identification and disaggregation using an advanced metering infrastructure (AMI) meter receiving energy usage data of a house and being in communication with a cloud-based processor, including: receiving at the cloud-based processor from the AMI meter, information identifying the AMI meter type or model or operating parameters; first energy usage data associated with the house; the cloud-based processor disaggregating at least some of the energy usage data, determining a home specific model (HSM); deploying the HSM on the AMI meter; receiving at the cloud-based processor information from the AMI meter indicating that the current HSM is not applicable to or capable of disaggregating second energy usage data; analyzing or disaggregating second energy usage data by the cloud-based processor; determining modifications or improvements to the HSM; deploying modifications or improvements to the HSM to the AMI meter.