Property ID: 3040323772
400 Rosewood Ave, Findlay, OH, 45840
Findlay, OH
Money Down: $43,176
CoC Return: -2.10%
Monthly Cash Flow: $-76
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,980
Closing Costs
$7,196
Total Down
$43,176
Investment Snapshot
Purchase Price
$179,900
Money Down
$43,176
Cash-on-Cash Return
-2.10%
Rent
$1,207
Monthly Cash Flow
$-76
Annual Cash Flow
$-909
Debt Service / Mo
$958
Property Tax / Mo
$155
Insurance / Mo
$49
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,207
Payment Standard
$1,484
Rent
$1,207
Insurance
$49
Property Tax
$155
Management
$121
Utilities Allowance
$277
NOI (Monthly)
$882
Debt Service
$958
Cash Flow After Debt
$-76
Quality Score: 74.60%
Confidence: 92.00%
Overall the property appears to be in generally good, mostly cosmetic condition and likely to pass an initial HCV/NSPIRE inspection with limited work. Strengths: intact exterior, newer roof (per listing), recent furnace, safe-looking porch/steps and usable yard/garage. Primary uncertainties are interior-only NSPIRE items that cannot be confirmed from the exterior photo and listing (smoke/CO detectors, GFCI, electrical panel, hot water, interior plumbing, appliance presence). Expect a turnaround to rent-ready within 2–4 weeks if interior safety items and minor repairs/cleaning are addressed promptly.
Section 8 Payment Standard
$1,484
Utility Allowance Total
$277
Guaranteed Section 8 Rent (PS - Utilities)
$1,207
Property Management
$121
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$179,900
Beds
3
Baths
1
Living Area
1,026 sqft
Lot Size
9,148 sqft
Year Built
1960
Days on Market
50
Capital Outlay
$43,176
Debt Service
$958
Property Tax / Mo
$155
Insurance / Mo
$49
Property Description
Welcome to 400 Rosewood Ave in Findlay, Ohio-an inviting home offering comfortable living in a convenient location. Inside, you'll find a functional layout with some updated flooring and generous living spaces filled with natural light. The kitchen provides ample cabinetry and workspace, flowing easily into the main living areas for everyday living or entertaining. Major mechanicals include a roof approximately 9 years old and a furnace approximately 7 years old. A detached 2-car garage offers added storage and convenience. Enjoy a spacious yard and easy access to shopping, dining, and major roadways
Utility Allowances
Heating
$75
Property information specifies 'Natural Gas' for heating. The allowance is based on the 'natural_gas' option for a 3-bedroom unit.
Cooking
$13
Cooking fuel type is not specified. The property has a natural gas connection, but electric is also a common option. Per the rules, the more expensive 'electric' option was selected.
Water Heating
$41
Water heater fuel is not specified. The property has natural gas, but electric is also plausible. Per the rules, the more expensive 'electric' option was chosen.
Other Electric
$39
This covers general electricity for lights and outlets. The property is connected to electricity.
Water
$32
Property information states the water source is 'Public'. This allowance is for a 3-bedroom unit.
Sewer
$36
Property information states 'Public Sewer'. This allowance is for a 3-bedroom unit.
Trash Collection
$25
This is a standard utility for single-family homes and is assumed to be a tenant expense.
Refrigerator
$8
The property information does not list a refrigerator as a provided appliance, so it is assumed to be tenant-owned and its electricity cost is included.
Range
$8
The property information does not list a range/oven as a provided appliance, so it is assumed to be tenant-owned and its electricity cost is included.
Air Conditioning
$0
The property has 'Central Air', but the utility schedule provides a $0 allowance for air conditioning for all bedroom sizes.
Source References
Payment Standard Source
Effective Date:
Dec 01, 2025
Utility Allowance Source
Effective Date:
Aug 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$577
DP3 Annual Estimate$603
DP1 Monthly Equivalent$48
DP3 Monthly Equivalent$50
Replacement Value$106,220
Basis1,026 sqft / 1960
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325 Edinborough Dr
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363 Rosewood Ave
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421 Edinborough Dr
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320 Edinborough Dr
sold · 0.06 mi
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Latest sale: $155,000 on Feb 08, 2023
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400 Mona Ln
sold · 0.06 mi
Price: $140,000
3 bd / 2 ba · 975 sqft
Latest sale: $140,000 on Nov 19, 2020
Latest rent: —
Photo unavailable
410 Edinborough Dr
sold · 0.06 mi
Price: $177,000
4 bd / 2 ba · 1,632 sqft
Latest sale: $177,000 on Jun 05, 2020
Latest rent: —
Photo unavailable
364 Mona Ln
sold · 0.06 mi
Price: $132,500
3 bd / 2 ba · 1,259 sqft
Latest sale: $132,500 on Mar 15, 2019
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Photo unavailable
360 Mona Ln
sold · 0.07 mi
Price: $133,000
3 bd / 1 ba · 1,059 sqft
Latest sale: $133,000 on Aug 02, 2019
Latest rent: —
Photo unavailable
316 Edinborough Dr
sold · 0.07 mi
Price: $226,000
4 bd / 2 ba · 1,965 sqft
Latest sale: $226,000 on Mar 25, 2025
Latest rent: —
Photo unavailable
2605 Eton Pl
sold · 0.08 mi
Price: $239,900
3 bd / 2 ba · 1,800 sqft
Latest sale: $239,900 on Jul 25, 2023
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2613 Oxford Dr
sold · 0.08 mi
Price: $174,900
4 bd / 2 ba · 1,576 sqft
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430 Mona Ln
sold · 0.09 mi
Price: $121,800
3 bd / 1 ba · 999 sqft
Latest sale: $121,800 on Feb 06, 2026
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Photo unavailable
2613 Eton Pl
sold · 0.09 mi
Price: $318,000
3 bd / 3 ba · 1,706 sqft
Latest sale: $318,000 on Feb 09, 2026
Latest rent: —
Photo unavailable
2612 Hollybrook Dr
sold · 0.09 mi
Price: $172,000
4 bd / 2 ba · 1,584 sqft
Latest sale: $172,000 on Apr 30, 2021
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346 Mona Ln
sold · 0.09 mi
Price: $180,000
3 bd / 3 ba · 1,232 sqft
Latest sale: $180,000 on Apr 21, 2023
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- The listing details are accurate: roof replaced ~9 years ago and furnace ~7 years old and are functioning.
- Interior is in reasonable condition consistent with listing language (updated flooring, generous natural light).
- There are no active roof leaks or concealed structural failures (no visible external signs).
- Smoke and carbon monoxide detectors, GFCI protection, and functioning hot water are not visible in photos and therefore not assumed present; they would need verification/installation if absent.
- Electrical panel and wiring are intact and without visible exterior hazards, but condition must be verified during inspection.
- Bedrooms have legal egress windows typical of a single-story ranch; egress size not directly confirmed.
- Appliances (stove, refrigerator) are not pictured; presence is unknown — missing appliances would moderately reduce readiness but are not treated here as catastrophic.
- No evidence of severe mold, pest infestation, or standing water observed from provided images.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,810 | $162,850 | $57,000 |
| 2023 | $1,297 | $128,230 | $44,880 |
| 2022 | $1,288 | $128,230 | $44,880 |
| 2021 | $1,159 | $106,370 | $37,230 |
| 2020 | $1,159 | $106,370 | $37,230 |
| 2018 | $1,075 | $95,720 | $33,503 |
| 2017 | $1,076 | $95,720 | $33,503 |
| 2016 | $1,070 | $95,720 | $33,503 |
| 2015 | $893 | $83,370 | $29,180 |
| 2014 | $893 | $83,370 | $29,180 |
| 2013 | $893 | $83,370 | $29,180 |
| 2012 | $807 | $77,460 | $27,110 |
| 2011 | $807 | $77,460 | $27,110 |
| 2010 | $1,192 | $77,460 | $27,110 |
| 2009 | $1,230 | $84,600 | $29,610 |
| 2008 | $1,108 | $83,950 | $29,390 |
| 2007 | $1,104 | $83,950 | $29,390 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2010-11-17 | Sold | $88,000 |
| 1999-11-24 | Sold | $76,000 |
Photo Gallery
Show raw JSON (debug)
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{
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"assessment": {
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{
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"market": {
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"assessment": {
"land": 7700,
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{
"tax": 1159,
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"assessment": {
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{
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"market": {
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"assessment": {
"land": 7707,
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{
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"assessment": {
"land": 6423,
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{
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"market": {
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"assessment": {
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{
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"assessment": {
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{
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{
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{
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{
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"total": 27110,
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},
{
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"market": {
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"total": 77460,
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}
},
{
"tax": 1192,
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"market": {
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"total": 77460,
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"assessment": {
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"total": 27110,
"building": 20690
}
},
{
"tax": 1230,
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"market": {
"land": 16420,
"total": 84600,
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"assessment": {
"land": 5750,
"total": 29610,
"building": 23860
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},
{
"tax": 1108,
"year": 2008,
"market": {
"land": 16420,
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"assessment": {
"land": 5750,
"total": 29390,
"building": 23640
}
},
{
"tax": 1104,
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"market": {
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"total": 83950,
"building": 67530
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"assessment": {
"land": 5750,
"total": 29390,
"building": 23640
}
}
],
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{
"date": "2026-02-17",
"price": 179900,
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"status": "for_sale",
"list_date": "2026-02-17T20:18:35Z",
"list_price": 179900,
"listing_id": "2991646744",
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"last_status_change_date": "2026-02-17T20:18:35Z"
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"source_name": "NWOhio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "10004201",
"price_change_percentage": "+104.43%"
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{
"date": "2010-11-17",
"price": 88000,
"listing": null,
"event_name": "Sold",
"price_sqft": 85.7699805068226,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-8.24%"
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{
"date": "2010-11-16",
"price": 95900,
"listing": {
"status": "off_market",
"list_date": "2010-09-28T07:00:00Z",
"list_price": 95900,
"listing_id": "518848969",
"last_update_date": "2010-11-16T22:05:00Z",
"last_status_change_date": "2010-11-16T22:05:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Findlay",
"price_change": 0,
"days_after_listed": "49 days",
"source_listing_id": "118379",
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{
"date": "2010-09-28",
"price": 95900,
"listing": {
"status": "off_market",
"list_date": "2010-09-28T07:00:00Z",
"list_price": 95900,
"listing_id": "518848969",
"last_update_date": "2010-11-16T22:05:00Z",
"last_status_change_date": "2010-11-16T22:05:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "Findlay",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "118379",
"price_change_percentage": "+26.18%"
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{
"date": "1999-11-24",
"price": 76000,
"listing": null,
"event_name": "Sold",
"price_sqft": 74.07407407407408,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
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{
"date": "1994-04-22",
"price": 72500,
"listing": null,
"event_name": "Sold",
"price_sqft": 70.66276803118909,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
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],
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},
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},
"property_id": "3040323772",
"generated_at": "2026-02-24T23:17:22.939538Z",
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"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 74.6
},
"utility_allowance": {
"zip_code": "45840",
"home_photo": "https://ap.rdcpix.com/06dcdee943ba385494ccdb4ee7859d6al-m2956525705s-w1280.jpg",
"rent_price": 1207.0,
"loan_amount": 143920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/400-Rosewood-Ave_Findlay_OH_45840_M30403-23772",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 179900.0,
"loan_term_years": 30,
"annual_cash_flow": 10581.3,
"mortgage_monthly": 957.5,
"payment_standard": 1484.0,
"total_amount_out": 35980.0,
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"down_payment_rate": 0.2,
"insurance_monthly": 49.17,
"monthly_cash_flow": 881.77,
"property_tax_rate": 0.0103,
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],
"effective_date": "2025-08-01"
},
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{
"note": "Property information specifies 'Natural Gas' for heating. The allowance is based on the 'natural_gas' option for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 75
},
{
"note": "Cooking fuel type is not specified. The property has a natural gas connection, but electric is also a common option. Per the rules, the more expensive 'electric' option was selected.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Water heater fuel is not specified. The property has natural gas, but electric is also plausible. Per the rules, the more expensive 'electric' option was chosen.",
"utility": "Water Heating",
"allowance": 41
},
{
"note": "This covers general electricity for lights and outlets. The property is connected to electricity.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "Property information states the water source is 'Public'. This allowance is for a 3-bedroom unit.",
"utility": "Water",
"allowance": 32
},
{
"note": "Property information states 'Public Sewer'. This allowance is for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "This is a standard utility for single-family homes and is assumed to be a tenant expense.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "The property information does not list a refrigerator as a provided appliance, so it is assumed to be tenant-owned and its electricity cost is included.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property information does not list a range/oven as a provided appliance, so it is assumed to be tenant-owned and its electricity cost is included.",
"utility": "Range",
"allowance": 8
},
{
"note": "The property has 'Central Air', but the utility schedule provides a $0 allowance for air conditioning for all bedroom sizes.",
"utility": "Air Conditioning",
"allowance": 0
}
],
"cash_on_cash_return": 0.29,
"down_payment_amount": 35980.0,
"property_tax_annual": 1864.3,
"property_tax_monthly": 155.36,
"property_tax_increase": 0.03,
"utility_allowance_total": 277.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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"https://hancockmetro.com/wp-content/uploads/2025/10/2026-Payment-Standards.pdf"
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"effective_date": "2025-12-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -908.74,
"property_management_monthly": 120.7,
"monthly_cash_flow_after_debt": -75.73,
"cash_on_cash_return_after_debt": -0.03
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be in generally good, mostly cosmetic condition and likely to pass an initial HCV/NSPIRE inspection with limited work. Strengths: intact exterior, newer roof (per listing), recent furnace, safe-looking porch/steps and usable yard/garage. Primary uncertainties are interior-only NSPIRE items that cannot be confirmed from the exterior photo and listing (smoke/CO detectors, GFCI, electrical panel, hot water, interior plumbing, appliance presence). Expect a turnaround to rent-ready within 2–4 weeks if interior safety items and minor repairs/cleaning are addressed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior and visible components are in good cosmetic condition: intact vinyl siding, newer-looking roof (listing: ~9 years), updated flooring noted in description. Porch, steps and metal railings are present and appear sound. No visible severe cosmetic damage, peeling paint, or collapsed finishes. Interior appliances and some interior finishes are not shown; missing appliances are not assumed. Minor touch-ups and typical pre-rental cleaning/paint likely required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible from exterior photos: steps have a handrail, porch guardrail present, no visible exposed wiring or obvious structural sagging. Vinyl siding reduces exterior lead-paint risk. Listing states relatively recent furnace; roof appears intact with no visible leaks. However, critical NSPIRE items (smoke/CO detectors, GFCI outlets, bedroom egress confirmation, electrical panel condition, hot water functioning) are not verifiable from photos — these unknowns reduce score. No active water intrusion, standing water, or severe trip hazards observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 65.0,
"rationale": "Listing indicates a roof ~9 years old and a furnace ~7 years old, which suggests reasonable remaining life for those systems. No exterior AC condensing unit is visible in the provided photo (could be elsewhere) and water heater/electrical panel/plumbing condition are not shown. Because major system components are not fully documented/photographed, moderate risk remains though no visible evidence of failure was observed."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Front yard, walkway and driveway appear serviceable and safe; detached 2-car garage provides storage and off-street parking. Foundation visible above grade looks consistent and without visible large cracks. Landscaping is minimal but tidy. No signs of infestation or severe neglect. Minor grading/roof runoff details not visible but no standing water seen."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"The listing details are accurate: roof replaced ~9 years ago and furnace ~7 years old and are functioning.",
"Interior is in reasonable condition consistent with listing language (updated flooring, generous natural light).",
"There are no active roof leaks or concealed structural failures (no visible external signs).",
"Smoke and carbon monoxide detectors, GFCI protection, and functioning hot water are not visible in photos and therefore not assumed present; they would need verification/installation if absent.",
"Electrical panel and wiring are intact and without visible exterior hazards, but condition must be verified during inspection.",
"Bedrooms have legal egress windows typical of a single-story ranch; egress size not directly confirmed.",
"Appliances (stove, refrigerator) are not pictured; presence is unknown — missing appliances would moderately reduce readiness but are not treated here as catastrophic.",
"No evidence of severe mold, pest infestation, or standing water observed from provided images."
],
"overall_score": 72.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "Overall the property appears to be in good, mostly move-in condition from exterior evidence and listing notes (recent roof and furnace). Likely a Section 8 inspection pass with minor repairs/verification (smoke/CO detectors, GFCI, appliance presence, and routine interior touch-ups). Allow 1–4 weeks to address minor items and document system ages; if interior systems (electrical panel, water heater, or smoke/CO) are missing or nonfunctional, additional repairs could be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Exterior visible from photos is well-maintained: vinyl siding intact, windows intact, front door and concrete stoop in good condition, small landscaping. Listing states some updated flooring inside. No visible major cosmetic damage or collapsed surfaces. Missing interior photos prevent confirmation of kitchen/bath condition or appliance presence; assuming common minor interior touch-ups only. Missing appliances would moderately reduce readiness but are not evident in listing."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 75.0,
"rationale": "No visible life-threatening hazards on exterior: porch has a railing, steps are intact, no sagging roofline, no standing water or visible active leaks. Listing notes a 9-year-old roof and 7-year-old furnace which reduces risk. Interior-required items (smoke/CO detectors, GFCI outlets, egress window size, hot water, secure deadbolt) are not visible in photos; assuming owner has basic safety devices and functioning plumbing/heat given listing and condition. Because these cannot be confirmed, a moderate deduction was applied for unknowns."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Listing provides positive system data: roof ~9 years old and furnace ~7 years old which suggests acceptable remaining service life. No visible chimney or roof damage in photo. Water heater, electrical panel, HVAC functionality, plumbing integrity, and drainage cannot be confirmed from provided materials. Score reduced for unverified systems and typical unknowns in a 1960-built home."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 85.0,
"rationale": "Front yard, walkway, driveway and detached garage appear serviceable and safe. Siding and trim look intact; foundation top visible and appears even with no obvious large cracks or settlement. Yard is free of heavy debris or visible infestation. Small snow patches present but no drainage or erosion issues visible from photo."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior is generally in similar condition to exterior and listing note of updated flooring; no severe interior water damage or mold.",
"Basic safety devices (smoke detectors, and CO detector if required by local code) are present or will be installed prior to leasing.",
"Kitchen appliances (stove/refrigerator) are present or will be provided; absence would be a moderate but not catastrophic issue.",
"Furnace and roof ages stated in listing are accurate and systems are operational.",
"Electrical panel and plumbing are functional with no major safety hazards hidden behind walls.",
"Detached 2-car garage exists and is serviceable as stated in listing.",
"No recent rental events in last 5 years (rental history missing)."
],
"overall_score": 76.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "Overall the property appears to be in good condition from the exterior and the listing indicates recently replaced roof and furnace, so it is likely to be Section 8 / HCV rent-ready with minor repairs and verification of safety items. Expect a likely pass after addressing common checklist items (smoke/CO detectors, GFCI outlets, appliance presence/function, and any interior cosmetic fixes). Because interior systems (water heater, electrical panel, detectors, egress windows) were not shown, a short pre-inspection (1-4 items) is likely required; overall readiness is consistent with 'minor repairs' and likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photo and listing describe updated flooring and cabinetry; siding, windows, roof and front stoop appear intact and cosmetically sound. No visible major deferred maintenance. Missing interior photos prevent verification of kitchen appliances, outlet covers, minor cosmetic damage, and bathroom condition — these are assumed to be typical for a home marketed as updated. Missing/unknown appliances reduce score moderately but there is no visible major damage."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 70.0,
"rationale": "No obvious life-safety hazards visible from exterior photo: no sagging rooflines, no standing water, steps have a railing and entry is secure-looking. Listing indicates a relatively recent furnace (≈7 yrs) and roof (≈9 yrs). However, critical NSPIRE items (smoke/carbon-monoxide detectors, GFCI in kitchen/bath, bedroom egress, electrical panel condition, hot water availability) cannot be confirmed from photos. Because no active exterior hazards are observed but interior detector/GFCI status is unknown, I rate moderate risk — likely a few quick safety fixes may be required."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, roof, plumbing, electrical)",
"score": 75.0,
"rationale": "Listing states roof ≈9 years and furnace ≈7 years which suggests recently serviced major systems. Exterior roof looks even with no visible missing shingles. There is no photo evidence to confirm water heater, electrical panel condition, plumbing function, or A/C operation. Given the stated ages and no visible external issues, major systems appear serviceable but remain partly unverified, so score reflects good condition with some unknowns."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Front yard, walk path, siding, and foundation exposure look well-maintained; concrete path and steps are intact and safe, and railings are present. Landscaping is minimal but tidy. No visible drainage/erosion problems, standing water, or infestation signs. Garage presence (listing calls 2-car detached) and driveway access increase utility. Overall low exterior risk from the provided photo."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior rooms, appliances (stove, refrigerator), smoke detectors, carbon monoxide detectors, and GFCI outlets were not visible in photos; assume typical condition consistent with an actively listed single-family home unless otherwise noted.",
"Listing statement about roof (~9 years) and furnace (~7 years) is accurate and those systems are functioning.",
"No evidence of major roof leaks, structural sagging, or foundation movement from the exterior photo; assume no concealed severe structural issues unless discovered on in-person inspection.",
"No rental history in last 5 years (per snapshot) — rental_history_activity criterion excluded from overall calculation.",
"Water heater, electrical panel condition, and plumbing fixtures are unverified and could require minor work."
],
"overall_score": 75.0,
"rubric_version": "2026-02-24_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "400 Rosewood Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "Overall the property appears to be in generally good, mostly cosmetic condition and likely to pass an initial HCV/NSPIRE inspection with limited work. Strengths: intact exterior, newer roof (per listing), recent furnace, safe-looking porch/steps and usable yard/garage. Primary uncertainties are interior-only NSPIRE items that cannot be confirmed from the exterior photo and listing (smoke/CO detectors, GFCI, electrical panel, hot water, interior plumbing, appliance presence). Expect a turnaround to rent-ready within 2–4 weeks if interior safety items and minor repairs/cleaning are addressed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Exterior and visible components are in good cosmetic condition: intact vinyl siding, newer-looking roof (listing: ~9 years), updated flooring noted in description. Porch, steps and metal railings are present and appear sound. No visible severe cosmetic damage, peeling paint, or collapsed finishes. Interior appliances and some interior finishes are not shown; missing appliances are not assumed. Minor touch-ups and typical pre-rental cleaning/paint likely required."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 83.3,
"rationale": "Front yard, walkway and driveway appear serviceable and safe; detached 2-car garage provides storage and off-street parking. Foundation visible above grade looks consistent and without visible large cracks. Landscaping is minimal but tidy. No signs of infestation or severe neglect. Minor grading/roof runoff details not visible but no standing water seen."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 71.7,
"rationale": "No obvious life‑threatening hazards visible from exterior photos: steps have a handrail, porch guardrail present, no visible exposed wiring or obvious structural sagging. Vinyl siding reduces exterior lead-paint risk. Listing states relatively recent furnace; roof appears intact with no visible leaks. However, critical NSPIRE items (smoke/CO detectors, GFCI outlets, bedroom egress confirmation, electrical panel condition, hot water functioning) are not verifiable from photos — these unknowns reduce score. No active water intrusion, standing water, or severe trip hazards observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 70.0,
"rationale": "Listing indicates a roof ~9 years old and a furnace ~7 years old, which suggests reasonable remaining life for those systems. No exterior AC condensing unit is visible in the provided photo (could be elsewhere) and water heater/electrical panel/plumbing condition are not shown. Because major system components are not fully documented/photographed, moderate risk remains though no visible evidence of failure was observed."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"The listing details are accurate: roof replaced ~9 years ago and furnace ~7 years old and are functioning.",
"Interior is in reasonable condition consistent with listing language (updated flooring, generous natural light).",
"There are no active roof leaks or concealed structural failures (no visible external signs).",
"Smoke and carbon monoxide detectors, GFCI protection, and functioning hot water are not visible in photos and therefore not assumed present; they would need verification/installation if absent.",
"Electrical panel and wiring are intact and without visible exterior hazards, but condition must be verified during inspection.",
"Bedrooms have legal egress windows typical of a single-story ranch; egress size not directly confirmed.",
"Appliances (stove, refrigerator) are not pictured; presence is unknown — missing appliances would moderately reduce readiness but are not treated here as catastrophic.",
"No evidence of severe mold, pest infestation, or standing water observed from provided images."
],
"score_method": "mean_of_criteria",
"overall_score": 74.6,
"rubric_version": "ns_prep_v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3040323772"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.