Property ID: 3116649985
208 W Main St, Leipsic, OH, 45856
Leipsic, OH
Money Down: $23,640
CoC Return: 13.98%
Monthly Cash Flow: $275
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,700
Closing Costs
$3,940
Total Down
$23,640
Investment Snapshot
Purchase Price
$98,500
Money Down
$23,640
Cash-on-Cash Return
13.98%
Rent
$1,003
Monthly Cash Flow
$275
Annual Cash Flow
$3,306
Debt Service / Mo
$524
Property Tax / Mo
$70
Insurance / Mo
$33
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,003
Payment Standard
$1,263
Rent
$1,003
Insurance
$33
Property Tax
$70
Management
$100
Utilities Allowance
$260
NOI (Monthly)
$800
Debt Service
$524
Cash Flow After Debt
$275
Quality Score: 65.90%
Confidence: 77.00%
This 3-bed, 1-bath home appears generally sound cosmetically with an updated kitchen and intact exterior siding; however several NSPIRE-critical items are unverified in photos (heating system, smoke/CO detectors, egress window sizing, GFCI outlets). Expect moderate repairs and documentation needed to meet Section 8 inspection: install/verify smoke and CO alarms, confirm functioning heating and hot water, verify egress compliance for upstairs bedrooms or add alternate sleeping room solutions, address worn flooring/carpet and install missing handrail. With 30–60 days of targeted repairs and verification this property could be brought into compliance.
Section 8 Payment Standard
$1,263
Utility Allowance Total
$260
Guaranteed Section 8 Rent (PS - Utilities)
$1,003
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$98,500
Beds
3
Baths
1
Living Area
1,356 sqft
Lot Size
6,316 sqft
Year Built
1900
Days on Market
226
Capital Outlay
$23,640
Debt Service
$524
Property Tax / Mo
$70
Insurance / Mo
$33
Property Description
1 1/2 story Leipsic home offering 3 bedrooms, 1 bathroom, updated kitchen, vinyl exterior siding. Storage building. Convenient location. Priced to sell - great opportunity for investor or homeowner looking for affordable housing.
Utility Allowances
Heating
$75
Selected 'Natural Gas' as the property information explicitly lists 'Heating Features: Forced Air, Natural Gas'.
Cooking
$12
Selected 'Natural Gas' as this is the most likely cooking fuel given the property has natural gas for heating.
Water Heating
$33
Selected 'Natural Gas' for the water heater as the property has natural gas service for heating, making it the most probable fuel source.
Water
$32
Included as property information specifies 'Water Source: Public'.
Sewer
$36
Included as property information specifies 'Sewer: Sanitary Sewer'.
Air Conditioning
$0
Allowance is zero as the property description does not mention air conditioning and the schedule allowance is null.
Other Electric
$39
This allowance for general lighting and miscellaneous tenant appliances is standard for all residences.
Trash Collection
$25
Included as a standard tenant-paid utility for single-family homes, as it was not specified as landlord-paid.
Refrigerator
$0
Allowance is zero because the property's appliance list explicitly includes 'Refrigerator', indicating it is landlord-provided.
Range
$8
Included because a range/oven is not listed as a provided appliance, so it is assumed to be tenant-owned.
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$323
DP3 Annual Estimate$461
DP1 Monthly Equivalent$27
DP3 Monthly Equivalent$38
Replacement Value$31,940
Basis1,356 sqft / 1900
Nearby Houses
Photo unavailable
125 W Ctr
sold · 0.04 mi
Price: $96,000
3 bd / 2 ba · 1,542 sqft
Latest sale: $96,000
Latest rent: —
Photo unavailable
304 W Main St
sold · 0.06 mi
Price: $27,000
4 bd / 2 ba · 4,472 sqft
Latest sale: $27,000
Latest rent: —
Photo unavailable
112 8th St
sold · 0.07 mi
Price: $170,000
5 bd / 2 ba · 1,914 sqft
Latest sale: $170,000 on Aug 05, 2022
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.08 mi
Price: $135,000
5 bd / 2 ba · 2,260 sqft
Latest sale: $135,000
Latest rent: —
Photo unavailable
19 S Poplar St
sold · 0.10 mi
Price: $89,750
2 bd / 1 ba · 1,209 sqft
Latest sale: $89,750
Latest rent: —
Photo unavailable
212 W Sugar St
sold · 0.11 mi
Price: $117,500
2 bd / 1 ba · 1,660 sqft
Latest sale: $117,500 on Oct 23, 2020
Latest rent: —
Photo unavailable
40 W Main St
sold · 0.12 mi
Price: $80,000
3 bd / 1 ba · 1,544 sqft
Latest sale: $80,000 on Sep 03, 2025
Latest rent: —
Photo unavailable
312 W Sugar St
sold · 0.13 mi
Price: $61,500
3 bd / 2 ba · 1,368 sqft
Latest sale: $61,500 on Aug 05, 2021
Latest rent: —
Photo unavailable
209 W Broadway St
for_sale · 0.14 mi
Price: $153,900
3 bd / 1 ba · 1,210 sqft
Latest sale: $37,900
Latest rent: —
Photo unavailable
31 Main St W
sold · 0.14 mi
Price: $190,000
3 bd / 2 ba · 2,146 sqft
Latest sale: $190,000 on Jun 23, 2022
Latest rent: —
Photo unavailable
225 W Broadway St
sold · 0.14 mi
Price: $23,500
3 bd / 2 ba · 1,560 sqft
Latest sale: $23,500 on Nov 22, 2016
Latest rent: —
Photo unavailable
109 W Broadway St
sold · 0.15 mi
Price: $35,000
2 bd / 1 ba · 1,140 sqft
Latest sale: $35,000
Latest rent: —
Photo unavailable
25 W Main St
for_sale · 0.16 mi
Price: $339,900
4 bd / 3 ba · 2,993 sqft
Latest sale: —
Latest rent: —
Photo unavailable
24 W Sugar St
sold · 0.16 mi
Price: $165,500
3 bd / 1 ba · 1,472 sqft
Latest sale: $165,500 on May 15, 2024
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.17 mi
Price: $112,000
4 bd / 2 ba · 2,062 sqft
Latest sale: $112,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible heating system in photos (major habitability/inspection risk)
- No visible smoke detectors or CO alarms in provided interior photos
- Potential inadequate emergency egress for upstairs bedrooms (windows appear small/possibly non-compliant)
- Porch/entry steps appear to lack a handrail (safety code issue)
Assumptions
- Heating system (furnace/boiler) and water heater exist in the house but are not shown in photos; their presence and operational status are unknown and must be verified.
- Electrical panel and circuit protection exist and are functional, though not pictured.
- Stove shown in kitchen is operable; refrigerator is not pictured and may be tenant-supplied or included — missing fridge would be an easy-to-fix appliance issue, not an automatic safety fail.
- No active roof leaks or major foundation movement are present; photos show generally intact roofline and foundation but detailed inspection was not possible from images.
- No obvious severe mold, peeling lead-hazard paint, or major pest infestation visible in provided images.
- Storage shed condition is not required to meet unit habitability but may need repair if used by tenants; exterior bulkhead provides basement access and likely houses mechanicals.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $819 | $70,880 | $24,810 |
| 2023 | $844 | $70,880 | $24,810 |
| 2022 | $801 | $54,940 | $19,230 |
| 2021 | $806 | $54,940 | $19,230 |
| 2020 | $802 | $54,940 | $19,230 |
| 2019 | $640 | $45,370 | $15,880 |
| 2018 | $636 | $45,370 | $15,880 |
| 2017 | $582 | $44,910 | $15,720 |
| 2016 | $488 | $38,170 | $13,360 |
| 2015 | $481 | $38,170 | $13,360 |
| 2014 | $453 | $38,170 | $13,360 |
| 2013 | $701 | $38,170 | $13,360 |
| 2012 | $694 | $38,170 | $13,360 |
| 2011 | $699 | $38,170 | $13,360 |
| 2010 | $874 | $47,140 | $16,500 |
| 2009 | $874 | $47,140 | $16,500 |
| 2008 | $878 | $47,140 | $16,500 |
| 2006 | $859 | $46,000 | $16,100 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-03 | Price Changed | $98,500 |
| 2025-08-26 | Listed | $105,000 |
| 2017-11-08 | Listing removed | $31,900 |
| 2017-11-03 | Sold | $29,500 |
| 2017-08-18 | Listed | $31,900 |
| 2017-08-18 | Listed | $31,900 |
| 1994-11-29 | Sold | $35,000 |
Photo Gallery
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"Kitchen Dimensions: 13' x 12'",
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"category": "Kitchen and Dining",
"parent_category": "Interior"
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{
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"Lot Size Acres: 0.145",
"Lot Size Dimensions: 68x93",
"Lot Size Square Feet: 6316"
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"category": "Land Info",
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"parent_category": "Exterior"
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{
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"category": "Homeowners Association",
"parent_category": "Community"
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"High School: Leipsic",
"High School District: Leipsic",
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"County: Putnam",
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"Source Property Type: Residential",
"Parcel Number: 61-0740900000",
"Property Subtype: Single Family Residence"
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"Year Built: 1900",
"Construction Materials: Vinyl Siding",
"Levels: One and One Half",
"Property Age: 126",
"Roof: Shingle",
"Levels or Stories: One and One Half",
"Building Total Stories: 2",
"Architectural Style: Traditional"
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"category": "Building and Construction",
"parent_category": "Features"
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{
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"note": "Selected 'Natural Gas' as the property information explicitly lists 'Heating Features: Forced Air, Natural Gas'.",
"utility": "Heating",
"allowance": 75
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{
"note": "Selected 'Natural Gas' as this is the most likely cooking fuel given the property has natural gas for heating.",
"utility": "Cooking",
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{
"note": "Selected 'Natural Gas' for the water heater as the property has natural gas service for heating, making it the most probable fuel source.",
"utility": "Water Heating",
"allowance": 33
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{
"note": "Included as property information specifies 'Water Source: Public'.",
"utility": "Water",
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{
"note": "Included as property information specifies 'Sewer: Sanitary Sewer'.",
"utility": "Sewer",
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{
"note": "Allowance is zero as the property description does not mention air conditioning and the schedule allowance is null.",
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{
"note": "This allowance for general lighting and miscellaneous tenant appliances is standard for all residences.",
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{
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"summary": "This 3-bed, 1-bath home appears generally sound cosmetically with an updated kitchen and intact exterior siding; however several NSPIRE-critical items are unverified in photos (heating system, smoke/CO detectors, egress window sizing, GFCI outlets). Expect moderate repairs and documentation needed to meet Section 8 inspection: install/verify smoke and CO alarms, confirm functioning heating and hot water, verify egress compliance for upstairs bedrooms or add alternate sleeping room solutions, address worn flooring/carpet and install missing handrail. With 30–60 days of targeted repairs and verification this property could be brought into compliance.",
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"score": 68.0,
"rationale": "Interior photos show an updated kitchen and generally intact cabinetry; bathroom fixtures are present. Carpets look worn/stained in several rooms and some interior paint/trim shows wear — cosmetic work and flooring replacement likely. Enclosed front porch and interior ceiling fans are present. No obvious collapsed ceilings or major structural interior damage visible. Missing refrigerator is not shown; stove appears present. Overall moderate cosmetic deferred maintenance but no large visible structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in the photos (failure risk if absent). Bathroom and kitchen present functioning fixtures; no visible exposed wiring. Entry doors appear intact but deadbolt presence not confirmed. Upper bedrooms have windows, but some appear small/operable size may be borderline for emergency egress — potential egress compliance risk for upstairs sleeping rooms. No visible GFCI outlets in kitchen/bath photos. Porch steps appear to lack a handrail. No active water intrusion or collapsed ceilings observed. Overall several code-related unknowns that could cause inspector failures if not remedied or documented."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 45.0,
"rationale": "Exterior photos show intact vinyl siding and shingled roof with no visible sagging, but roof age and condition cannot be confirmed. No heating system, furnace, boiler, or forced-air registers are visible in photos and listing does not state heating type — absence of a visible heating system is a major inspection and habitability risk. Water heater, HVAC operation, electrical panel and plumbing integrity are not shown; presence/functionality must be verified. Basement bulkhead present which suggests access to systems but condition unknown. Because heating and other systems are unverified, mechanical risk is elevated."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Vinyl siding appears in good visual condition and gutters are in place. Yard is level and appears free of standing water or major trip hazards in the images. Storage shed exists but looks older and may need attention; exterior bulkhead and foundation brick are visible with no obvious large cracks in photos. Steps to porch may lack handrail; some landscaping/curb work likely. No evidence of infestation or major exterior neglect in provided images."
}
],
"red_flags": [
"No visible heating system in photos (major habitability/inspection risk)",
"No visible smoke detectors or CO alarms in provided interior photos",
"Potential inadequate emergency egress for upstairs bedrooms (windows appear small/possibly non-compliant)",
"Porch/entry steps appear to lack a handrail (safety code issue)"
],
"confidence": 0.6,
"assumptions": [
"Heating system (furnace/boiler) and water heater exist in the house but are not shown in photos; their presence and operational status are unknown and must be verified.",
"Electrical panel and circuit protection exist and are functional, though not pictured.",
"Stove shown in kitchen is operable; refrigerator is not pictured and may be tenant-supplied or included — missing fridge would be an easy-to-fix appliance issue, not an automatic safety fail.",
"No active roof leaks or major foundation movement are present; photos show generally intact roofline and foundation but detailed inspection was not possible from images.",
"No obvious severe mold, peeling lead-hazard paint, or major pest infestation visible in provided images.",
"Storage shed condition is not required to meet unit habitability but may need repair if used by tenants; exterior bulkhead provides basement access and likely houses mechanicals."
],
"overall_score": 60.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears in generally sound condition with cosmetic wear and a few likely code items to address. The home shows an updated kitchen, intact vinyl siding and roof in photo views, functional plumbing fixtures and appliances (stove present). Primary inspection risks are missing/undocumented smoke/CO detectors, unverified GFCI protection and bedroom egress sizing, plus unknown condition of major mechanical equipment (furnace/water heater/electrical panel). With installation/verification of detectors, confirmation/repair of egress if needed, basic electrical/GFCI checks, and routine cosmetic work (carpet, paint), the property is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. Estimated readiness: minor repairs; likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Exterior vinyl siding and windows appear in good condition; kitchen is described as updated and photos show intact cabinetry and a working stove; bathroom fixtures present and appear functional. Visible carpet is worn/stained in multiple rooms and some cosmetic work (carpet replacement/cleaning, paint touch-ups, possible porch step repair) will be needed. Missing refrigerator not evident in photos but a stove is present; missing appliances would be a moderate deduction only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible smoke or carbon monoxide detectors in photos; GFCI protection in kitchen/bath not shown. Bedrooms have windows but upper floor dormer/arched window egress size cannot be confirmed from photos — potential egress concern. Entry doors appear to be standard but deadbolt presence not visible. No obvious exposed wiring, active water intrusion, major ceiling/floor collapse, or severe mold visible. Overall some code items likely require quick fixes (install detectors, verify GFCI/egress) but no obvious life‑threatening hazards in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "No mechanical equipment (furnace, water heater, electrical panel) is shown; the exterior bulkhead suggests a basement where systems may be located. Roof appears generally intact from photos (no obvious sag or major missing shingles). Plumbing fixtures in bathroom and kitchen appear functional. Absence of visible HVAC registers/thermostat in photos lowers certainty. Given age (1900) but updated siding/kitchen, assume systems are present but will require verification and possible service."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 78.0,
"rationale": "Vinyl siding and gutters look intact; yard and walkways appear level and free of standing water in photos. Storage outbuilding is older and may need maintenance. Basement bulkhead is present and shows typical wear. No obvious foundation displacement or major exterior structural distress visible from provided angles."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide detectors visible in photos — must be installed prior to move-in/inspection.",
"Bedroom egress (upper dormer/arched window) not verifiable from photos — potential NSPIRE egress compliance issue.",
"GFCI outlets not visible in kitchen/bath photos — may require installation or verification."
],
"confidence": 0.6,
"assumptions": [
"A functioning heating system and water heater are located in the basement (not shown) and are operational or serviceable.",
"No active roof leaks or interior water intrusion exist beyond what is visible in photos (no stains or sagging ceilings observed).",
"Electrical service and panel are intact and grounded; no significant electrical hazards beyond typical older-home uncertainties.",
"Smoke and CO detectors are not visible in photos and should be assumed absent until verified.",
"Kitchen has a working stove (visible) but refrigerator may be absent; missing appliances would be provided or installed as needed by owner/landlord.",
"Bedrooms on the upper level have windows that may or may not meet egress sizing; assume potential borderline compliance until measured.",
"No evidence of severe pest infestation, peeling lead-hazard paint, or extensive mold was visible in provided photos."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely rent-ready with mostly cosmetic repairs and a few code-sensitive items to address. The kitchen is updated and the exterior siding and roof appear in serviceable condition. Primary inspection risks are likely: absence/verification of smoke and CO detectors, potential inadequate egress sizing for upper-level bedrooms, and unverified mechanical systems (furnace, water heater, electrical panel). With installation/verification of required detectors, possible upgrade/confirmation of bedroom egress, and routine mechanical checks, the house is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior and exterior photos show a generally maintained house with updated kitchen cabinets, intact vinyl siding, and an enclosed porch. Carpets appear worn/stained in several rooms and some cosmetic wall/ceiling touch-up is needed. No visible collapsed surfaces or major water stains. Missing refrigerator is not evident in photos; a stove/oven appears present. Overall repair needs are mostly cosmetic and moderate (cleaning, carpet replacement, minor paint/trim work) rather than structural."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No smoke detectors or CO detectors are visible in the photos (required). Upper-level bedroom windows visible (small arched and small casement-type) may not meet egress size requirements—this is a common fail item for 2nd-floor bedrooms and appears possible here. No exposed wiring or obvious electrical hazards visible; bathroom and kitchen images do not show GFCI receptacles (unknown). Bath and kitchen fixtures appear functional. Age of the house (1900) raises lead-paint risk even though no peeling paint is visible. Given these unknowns and likely repairs needed to meet NSPIRE (install/verify detectors, confirm/upgrade egress, add GFCI where required), safety/code risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 60.0,
"rationale": "Roof appears visually intact from exterior photos and gutters are present. No furnace/boiler, HVAC equipment, water heater or electrical panel are shown in listing photos; presence is assumed but unverified. Kitchen plumbing appears functional; bathroom fixtures look serviceable. Without confirmation of heating, cooling, water heater and panel condition a conservative moderate score is assigned. If mechanical systems in basement are present and functioning, this would improve quickly; if absent or failing, it would be a larger issue."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and immediate grounds",
"score": 80.0,
"rationale": "Vinyl siding, gutters and downspouts appear intact and reasonably maintained. Yard is clear and level; walkways and steps appear usable. Storage building on site is an asset. Basement bulkhead is present and looks functional. No visible standing water, significant foundation cracking, major vegetation contact, or pest/infestation evidence in photos. Overall exterior/site presents low to moderate risk."
}
],
"red_flags": [
"Potential inadequate egress for upstairs bedrooms (small/arched windows visible) — common NSPIRE fail.",
"No visible smoke detectors or carbon monoxide alarms in photos (required by NSPIRE/Local code).",
"Property built 1900 — potential lead-based paint hazard and required lead disclosure/inspection if occupied by families with children."
],
"confidence": 0.6,
"assumptions": [
"Heating system, water heater and electrical panel exist in basement or utility area but were not photographed; assumed operational unless inspection shows otherwise.",
"Stove/oven is present (partial stove visible in kitchen photo); refrigerator may be missing or not photographed.",
"No active roof leaks or interior water damage beyond what is visible in photos.",
"No peeling lead-based paint is visible in photos, but because the house was built in 1900 lead-based paint hazards are possible and require disclosure/inspection.",
"Porch contents (hot tub or similar item) are seller staging and not a fixed fixture impacting egress, but could impede a walkway if left."
],
"overall_score": 67.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "208 W Main St, Leipsic, OH, 45856",
"aggregate": {
"summary": "This 3-bed, 1-bath home appears generally sound cosmetically with an updated kitchen and intact exterior siding; however several NSPIRE-critical items are unverified in photos (heating system, smoke/CO detectors, egress window sizing, GFCI outlets). Expect moderate repairs and documentation needed to meet Section 8 inspection: install/verify smoke and CO alarms, confirm functioning heating and hot water, verify egress compliance for upstairs bedrooms or add alternate sleeping room solutions, address worn flooring/carpet and install missing handrail. With 30–60 days of targeted repairs and verification this property could be brought into compliance.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 72.7,
"rationale": "Interior photos show an updated kitchen and generally intact cabinetry; bathroom fixtures are present. Carpets look worn/stained in several rooms and some interior paint/trim shows wear — cosmetic work and flooring replacement likely. Enclosed front porch and interior ceiling fans are present. No obvious collapsed ceilings or major structural interior damage visible. Missing refrigerator is not shown; stove appears present. Overall moderate cosmetic deferred maintenance but no large visible structural failures."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 77.7,
"rationale": "Vinyl siding appears in good visual condition and gutters are in place. Yard is level and appears free of standing water or major trip hazards in the images. Storage shed exists but looks older and may need attention; exterior bulkhead and foundation brick are visible with no obvious large cracks in photos. Steps to porch may lack handrail; some landscaping/curb work likely. No evidence of infestation or major exterior neglect in provided images."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 58.3,
"rationale": "No smoke detectors or CO alarms are visible in the photos (failure risk if absent). Bathroom and kitchen present functioning fixtures; no visible exposed wiring. Entry doors appear intact but deadbolt presence not confirmed. Upper bedrooms have windows, but some appear small/operable size may be borderline for emergency egress — potential egress compliance risk for upstairs sleeping rooms. No visible GFCI outlets in kitchen/bath photos. Porch steps appear to lack a handrail. No active water intrusion or collapsed ceilings observed. Overall several code-related unknowns that could cause inspector failures if not remedied or documented."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 56.7,
"rationale": "Exterior photos show intact vinyl siding and shingled roof with no visible sagging, but roof age and condition cannot be confirmed. No heating system, furnace, boiler, or forced-air registers are visible in photos and listing does not state heating type — absence of a visible heating system is a major inspection and habitability risk. Water heater, HVAC operation, electrical panel and plumbing integrity are not shown; presence/functionality must be verified. Basement bulkhead present which suggests access to systems but condition unknown. Because heating and other systems are unverified, mechanical risk is elevated."
}
],
"red_flags": [
"No visible heating system in photos (major habitability/inspection risk)",
"No visible smoke detectors or CO alarms in provided interior photos",
"Potential inadequate emergency egress for upstairs bedrooms (windows appear small/possibly non-compliant)",
"Porch/entry steps appear to lack a handrail (safety code issue)"
],
"confidence": 0.77,
"assumptions": [
"Heating system (furnace/boiler) and water heater exist in the house but are not shown in photos; their presence and operational status are unknown and must be verified.",
"Electrical panel and circuit protection exist and are functional, though not pictured.",
"Stove shown in kitchen is operable; refrigerator is not pictured and may be tenant-supplied or included — missing fridge would be an easy-to-fix appliance issue, not an automatic safety fail.",
"No active roof leaks or major foundation movement are present; photos show generally intact roofline and foundation but detailed inspection was not possible from images.",
"No obvious severe mold, peeling lead-hazard paint, or major pest infestation visible in provided images.",
"Storage shed condition is not required to meet unit habitability but may need repair if used by tenants; exterior bulkhead provides basement access and likely houses mechanicals."
],
"score_method": "mean_of_criteria",
"overall_score": 65.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3116649985"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.