Property ID: 3128426023
356 S Belmore St, Leipsic, OH, 45856
Leipsic, OH
Money Down: $29,976
CoC Return: 4.36%
Monthly Cash Flow: $109
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,980
Closing Costs
$4,996
Total Down
$29,976
Investment Snapshot
Purchase Price
$124,900
Money Down
$29,976
Cash-on-Cash Return
4.36%
Rent
$1,003
Monthly Cash Flow
$109
Annual Cash Flow
$1,308
Debt Service / Mo
$665
Property Tax / Mo
$87
Insurance / Mo
$42
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,003
Payment Standard
$1,263
Rent
$1,003
Insurance
$42
Property Tax
$87
Management
$100
Utilities Allowance
$260
NOI (Monthly)
$774
Debt Service
$665
Cash Flow After Debt
$109
Quality Score: 70.40%
Confidence: 94.00%
Overall this single-family home is close to Section 8 / HCV rent-ready but has a few moderate safety issues that must be corrected prior to passing an initial NSPIRE inspection. The interior and major systems appear serviceable (kitchen appliances present, HVAC evidenced by thermostat and vents), and most repairs are cosmetic or minor-capital. However, exposed electrical outlet boxes and deteriorated front porch steps/handrail are inspection-failing safety issues that should be remediated urgently. After addressing electrical cover plates, verifying/adding smoke and CO detectors in required locations, repairing the porch stairs/handrail and confirming electrical panel and water heater condition, the property is likely to pass within ~2–4 weeks.
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
$124,900
Beds
3
Baths
1.5
Living Area
1,654 sqft
Lot Size
—
Year Built
1980
Days on Market
45
Capital Outlay
$29,976
Debt Service
$665
Property Tax / Mo
$87
Insurance / Mo
$42
Property Description
Welcome to this charming 3-bedroom, 1.5-bath home located in the heart of Leipsic. This home offers a spacious living room filled with natural light, providing the perfect setting for relaxing or entertaining guests. The generously sized bedrooms offer comfort and flexibility for families, guests, or a home office. The functional layout includes a convenient half bath and a full bath designed to meet everyday needs. You'll appreciate the sense of space throughout, along with the opportunity to make this home your own. Whether you're a first-time buyer, looking to downsize, or searching for an investment opportunity, this property offers comfort, space, and value! New in box power washer & mower in shed, TV, and TV stand also included with the home.
Utility Allowances
Heating (Natural Gas)
$75
Property details specify 'Natural Gas' and 'Forced Air' heating. The allowance is based on the 3-bedroom rate for natural gas heating.
Water Heating (Electric)
$41
Property details list an 'Electric Water Heater'. The allowance is based on the 3-bedroom rate for electric water heating.
Cooking (Natural Gas)
$12
Property details specify a 'Gas Range'. The allowance is based on the 3-bedroom rate for natural gas cooking.
Other Electric
$39
This is the standard allowance for lights and miscellaneous electric use in a 3-bedroom single-family detached home.
Water
$32
Property details specify a 'Public' water source. This is the standard 3-bedroom allowance.
Sewer
$36
Property details specify 'Public Sewer'. This is the standard 3-bedroom allowance.
Trash Collection
$25
Trash collection is assumed to be a tenant responsibility as is standard for single-family homes. The allowance is a fixed rate.
Air Conditioning
$0
The property includes 'Central Air', but the provided utility schedule has no allowance value for this utility, resulting in a $0 allowance.
Range (Tenant-Owned)
$0
The utility schedule item is for a tenant-owned range. A 'Gas Range' is provided by the landlord, so the tenant allowance is $0.
Refrigerator (Tenant-Owned)
$0
The utility schedule item is for a tenant-owned refrigerator. A 'Refrigerator' is provided by the landlord, so the tenant allowance is $0.
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$444
DP3 Annual Estimate$562
DP1 Monthly Equivalent$37
DP3 Monthly Equivalent$47
Replacement Value$79,600
Basis1,654 sqft / 1980
Nearby Houses
Photo unavailable
504 S Eastom St
sold · 0.04 mi
Price: $175,000
4 bd / 2 ba · 2,691 sqft
Latest sale: $175,000 on Nov 05, 2021
Latest rent: —
Photo unavailable
318 S Eastom St
sold · 0.07 mi
Price: $115,000
3 bd / 3 ba · 2,500 sqft
Latest sale: $115,000 on Jun 02, 2017
Latest rent: —
Photo unavailable
511 S Poplar St
sold · 0.07 mi
Price: $119,900
4 bd / 1 ba · 1,826 sqft
Latest sale: $119,900 on Jul 15, 2020
Latest rent: —
Photo unavailable
322 S Belmore St
sold · 0.07 mi
Price: $42,000
3 bd / 1 ba · 1,572 sqft
Latest sale: $42,000 on Mar 10, 2021
Latest rent: —
Photo unavailable
303 S Poplar St
for_sale · 0.11 mi
Price: $229,000
4 bd / 2 ba · 1,821 sqft
Latest sale: $85,500
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Exposed electrical outlet boxes / missing cover plates in interior living/kitchen area (electrical hazard)
- Deteriorated front porch stairs and peeling/loose stair treads / compromised handrail (unsafe stairs / broken handrail)
- Unverified smoke/CO detector coverage in bedrooms (potential code deficiency)
Assumptions
- Electrical panel location and overall panel condition not photographed; assumed functional but unverified.
- Water heater and its venting are present and operational though not shown; assumed typical for a house of this age.
- Bedrooms have egress windows that meet NSPIRE size requirements; not documented in photos but likely for a 1980-built home.
- Entry door has a locking mechanism; presence of a deadbolt not confirmed and should be verified/installed if missing.
- Smoke detectors/CO detectors: one ceiling device visible near kitchen; assumed additional detectors may be missing in bedrooms and should be installed/verified.
- No signs of active roof leak or major foundation movement visible in photos; assumed no major structural defects but recommend physical inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,014 | $88,030 | $30,810 |
| 2023 | $1,020 | $88,030 | $30,810 |
| 2022 | $988 | $69,540 | $24,340 |
| 2021 | $969 | $67,830 | $23,740 |
| 2020 | $967 | $67,830 | $23,740 |
| 2019 | $771 | $56,170 | $19,660 |
| 2018 | $767 | $56,170 | $19,660 |
| 2017 | $724 | $56,170 | $19,660 |
| 2016 | $656 | $51,690 | $18,090 |
| 2015 | $645 | $51,690 | $18,090 |
| 2014 | $614 | $51,690 | $18,090 |
| 2013 | $949 | $51,690 | $18,090 |
| 2012 | $940 | $51,690 | $18,090 |
| 2011 | $949 | $51,800 | $18,130 |
| 2010 | $1,060 | $57,150 | $20,000 |
| 2009 | $1,060 | $57,150 | $20,000 |
| 2008 | $1,065 | $57,150 | $20,000 |
| 2006 | $974 | $52,120 | $18,240 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-23 | Listed | $124,900 |
| 2026-02-23 | Listed | $124,900 |
| 2025-09-04 | Listing removed | $0 |
| 2025-06-23 | Listed | $124,900 |
| 2007-05-22 | Sold | $58,760 |
| 1990-03-29 | Sold | $25,000 |
Photo Gallery
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1990-03-29",
"price": 25000,
"listing": null,
"event_name": "Sold",
"price_sqft": 15.114873035066505,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "3128426023",
"generated_at": "2026-02-24T23:26:33.169509Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 70.4
},
"utility_allowance": {
"zip_code": "45856",
"home_photo": "https://ap.rdcpix.com/6bcb3d87764d03311796f078279bfdc2l-m1761631874s-w1280.jpg",
"rent_price": 1003.0,
"loan_amount": 99920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/356-S-Belmore-St_Leipsic_OH_45856_M31284-26023",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 124900.0,
"loan_term_years": 30,
"annual_cash_flow": 9284.98,
"mortgage_monthly": 664.77,
"payment_standard": 1263.0,
"total_amount_out": 24980.0,
"additional_photos": [
"https://ap.rdcpix.com/6bcb3d87764d03311796f078279bfdc2l-m2689251115s-w1280.jpg",
"https://ap.rdcpix.com/6bcb3d87764d03311796f078279bfdc2l-m2862830317s-w1280.jpg",
"https://ap.rdcpix.com/6bcb3d87764d03311796f078279bfdc2l-m3595696975s-w1280.jpg",
"https://ap.rdcpix.com/6bcb3d87764d03311796f078279bfdc2l-m1700498874s-w1280.jpg",
"https://ap.rdcpix.com/6bcb3d87764d03311796f078279bfdc2l-m1568546021s-w1280.jpg",
"https://ap.rdcpix.com/6bcb3d87764d03311796f078279bfdc2l-m3968090756s-w1280.jpg",
"https://ap.rdcpix.com/6bcb3d87764d03311796f078279bfdc2l-m2163240786s-w1280.jpg",
"https://ap.rdcpix.com/6bcb3d87764d03311796f078279bfdc2l-m2269071671s-w1280.jpg",
"https://ap.rdcpix.com/6bcb3d87764d03311796f078279bfdc2l-m1692963639s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 41.92,
"monthly_cash_flow": 773.75,
"property_tax_rate": 0.009899999999999999,
"_utility_allowance": {
"sources": [
"https://hancockmetro.com/wp-content/uploads/2025/04/2025-Utility-Allowance-Schedules-effective-8-1-2025.pdf"
],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "Property details specify 'Natural Gas' and 'Forced Air' heating. The allowance is based on the 3-bedroom rate for natural gas heating.",
"utility": "Heating (Natural Gas)",
"allowance": 75
},
{
"note": "Property details list an 'Electric Water Heater'. The allowance is based on the 3-bedroom rate for electric water heating.",
"utility": "Water Heating (Electric)",
"allowance": 41
},
{
"note": "Property details specify a 'Gas Range'. The allowance is based on the 3-bedroom rate for natural gas cooking.",
"utility": "Cooking (Natural Gas)",
"allowance": 12
},
{
"note": "This is the standard allowance for lights and miscellaneous electric use in a 3-bedroom single-family detached home.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "Property details specify a 'Public' water source. This is the standard 3-bedroom allowance.",
"utility": "Water",
"allowance": 32
},
{
"note": "Property details specify 'Public Sewer'. This is the standard 3-bedroom allowance.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "Trash collection is assumed to be a tenant responsibility as is standard for single-family homes. The allowance is a fixed rate.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "The property includes 'Central Air', but the provided utility schedule has no allowance value for this utility, resulting in a $0 allowance.",
"utility": "Air Conditioning",
"allowance": 0
},
{
"note": "The utility schedule item is for a tenant-owned range. A 'Gas Range' is provided by the landlord, so the tenant allowance is $0.",
"utility": "Range (Tenant-Owned)",
"allowance": 0
},
{
"note": "The utility schedule item is for a tenant-owned refrigerator. A 'Refrigerator' is provided by the landlord, so the tenant allowance is $0.",
"utility": "Refrigerator (Tenant-Owned)",
"allowance": 0
}
],
"cash_on_cash_return": 0.37,
"down_payment_amount": 24980.0,
"property_tax_annual": 1044.42,
"property_tax_monthly": 87.04,
"property_tax_increase": 0.03,
"utility_allowance_total": 260.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hancockmetro.com",
"https://hancockmetro.com/wp-content/uploads/2025/10/2026-Payment-Standards.pdf"
],
"effective_date": "2025-12-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 1307.74,
"property_management_monthly": 100.3,
"monthly_cash_flow_after_debt": 108.98,
"cash_on_cash_return_after_debt": 0.05
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single-family home is close to Section 8 / HCV rent-ready but has a few moderate safety issues that must be corrected prior to passing an initial NSPIRE inspection. The interior and major systems appear serviceable (kitchen appliances present, HVAC evidenced by thermostat and vents), and most repairs are cosmetic or minor-capital. However, exposed electrical outlet boxes and deteriorated front porch steps/handrail are inspection-failing safety issues that should be remediated urgently. After addressing electrical cover plates, verifying/adding smoke and CO detectors in required locations, repairing the porch stairs/handrail and confirming electrical panel and water heater condition, the property is likely to pass within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior finishes appear mostly sound: newer-looking laminate floors, solid wood cabinets, functioning kitchen appliances (gas range, microwave, refrigerator) and washer/dryer visible. Cosmetic wear includes stained/worn carpeting, scuffed trim, peeling paint on porch stairs and some deck boards. No major interior finish collapse or visible water damage in photos. Missing minor items (outlet covers, thresholds, paint) are repairable and do not appear to be capital-intensive."
},
{
"key": "safety_code",
"label": "Life Safety & Code Risks (NSPIRE)",
"score": 58.0,
"rationale": "Serious visible safety issues: multiple interior electrical outlet/plate openings with no covers (electrical shock/fire hazard) and deteriorated front porch steps/painted rails (unsafe stair condition and broken/peeling handrail area). A ceiling-mounted smoke/CO device is visible in the kitchen area but bedroom smoke/CO coverage is not confirmed. GFCI presence at sink is not visible. Egress windows not fully documented in photos. These items create moderate inspection risk and must be corrected before/at inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Evidence of functioning HVAC (installed thermostat and floor vents) and laundry appliances. Gas range and microwave are present. No visible active leaks or collapsed ceilings. Roof shows aging/shingle discoloration but no obvious sagging or breach visible from exterior photos. Electrical panel and water heater were not photographed, so their condition is unknown and should be verified. Overall systems show probable operability but require verification/testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Vinyl siding and chain-link fence appear intact; yard and walkways are tidy. Front porch decking and stairs show paint failure and worn treads which create a trip/safety issue. Deck and porch railings need paint/repair. Driveway/sidewalk and perimeter drainage show no visible standing water. Overall tidy curb appeal but localized exterior repairs are required."
}
],
"red_flags": [
"Exposed electrical outlet boxes / missing cover plates in interior living/kitchen area (electrical hazard)",
"Deteriorated front porch stairs and peeling/loose stair treads / compromised handrail (unsafe stairs / broken handrail)",
"Unverified smoke/CO detector coverage in bedrooms (potential code deficiency)"
],
"confidence": 0.75,
"assumptions": [
"Electrical panel location and overall panel condition not photographed; assumed functional but unverified.",
"Water heater and its venting are present and operational though not shown; assumed typical for a house of this age.",
"Bedrooms have egress windows that meet NSPIRE size requirements; not documented in photos but likely for a 1980-built home.",
"Entry door has a locking mechanism; presence of a deadbolt not confirmed and should be verified/installed if missing.",
"Smoke detectors/CO detectors: one ceiling device visible near kitchen; assumed additional detectors may be missing in bedrooms and should be installed/verified.",
"No signs of active roof leak or major foundation movement visible in photos; assumed no major structural defects but recommend physical inspection."
],
"overall_score": 69.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "Overall this 3-bedroom single-family home presents as largely rent-ready with mostly cosmetic updates and functioning major systems visible. The property is likely to pass a Section 8 / NSPIRE initial inspection after addressing a short list of moderate safety items: verify and install required smoke and carbon monoxide alarms, install/confirm GFCI protection where required, and repair/replace deteriorated front steps and handrail. Confirming the condition and compliance of the electrical panel, hot water heater, and bedroom window egress is recommended prior to listing as a voucher unit.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior and kitchen photos show recent cosmetic updates (new counters, cabinetry, laminate flooring) and included appliances (range, microwave, refrigerator and washer/dryer visible). Surfaces are generally clean and intact. Observable deferred maintenance is limited to exterior porch/steps (peeling paint, worn/possibly rotted stair treads) and some minor cosmetic wear to porch railing and trim. Carpeting in living areas shows wear/staining that is cosmetic. Missing items: none major — appliances present. Overall condition is good with primarily cosmetic and small repair items that are easy-to-fix or capital-only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no visible active leaks, no standing water, no exposed wiring in photos). However several NSPIRE safety items are not shown or not clearly present: no visible smoke detectors on main level or near bedrooms in photos, no visible carbon monoxide alarm though the property has a gas range (CO alarm required), kitchen outlets near sink do not show a clearly labeled GFCI device, and the front entry steps show deteriorated treads and limited handrail coverage which is an egress/trip concern. Electrical panel, bedroom egress windows, hot water presence and plumbing function are not visible in photos and thus reduce score. These are moderate inspection risks that must be verified and corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Thermostat and floor/return vents are visible suggesting central heating/AC is present. Kitchen plumbing fixtures and appliances appear connected and in usable condition. Roof shingles show age and discoloration but no visible sagging or active leak staining from exterior photos. Electrical outlets have covers; no open junctions visible. Water heater and electrical panel are not shown. Given condition visible in photos, major systems appear present and likely functional, but unknowns (panel condition, age of furnace/HW heater, roof remaining life) create moderate risk and warrant verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Vinyl siding and foundation appearance look sound in photos; yard is maintained, chain-link fence present, and deck/porch surfaces generally in usable condition. Front porch and entry steps have peeling paint and worn wood treads that need repair or replacement. Decking on side/back shown appears serviceable. Walkway and curbside appear even with no visible trip hazards. No evidence of exterior infestation, major foundation cracks, or drainage/standing water from provided images."
}
],
"red_flags": [
"Front entry steps show deteriorated/peeling treads and limited handrail — potential unsafe stairs/handrail failure",
"No visible smoke detectors in photos (required on each level/near sleeping areas) — potential inspection fail",
"No visible carbon monoxide alarm despite presence of gas range — CO alarm likely required",
"No clearly visible GFCI outlet on kitchen sink wall — GFCI required for kitchen counter/sink areas",
"Roof shows age/discoloration; remaining life unknown and may need replacement in medium term"
],
"confidence": 0.6,
"assumptions": [
"HVAC exists and is operational (thermostat and vents visible) though mechanical service records and exact age were not provided.",
"Water heater and electrical panel are present but not shown; assumed functional unless inspection finds otherwise.",
"Appliances shown (range, microwave, refrigerator, washer/dryer) are included and operable as implied by listing photos and description.",
"No active roof leaks or interior water damage exist beyond what is visible in photos; roof shows age but no clear active failure.",
"Bedrooms have compliant egress windows typical for a house of this era, but window size/egress is unverified from photos.",
"No visible severe mold, major foundation movement, or collapsed structural elements beyond minor porch deterioration."
],
"overall_score": 72.0,
"rubric_version": "nspr-2026-v1"
},
{
"summary": "This 3-bed, 1.5-bath single-family property appears broadly rent-ready with cosmetic updates and functioning kitchen appliances visible. Major structural failures are not evident in photos. Primary inspection risks are safety items that should be corrected before a Housing Choice Voucher/NSPIRE inspection: repair/replace deteriorated front steps and porch treads/railings, confirm and/or install properly located smoke detectors and carbon monoxide alarms, and install/verify GFCI protection for kitchen outlets. Mechanical systems (furnace, water heater, electrical panel) are not photographed and should be verified operational. With the repairs and a quick systems check, the home is likely to pass an initial HCV inspection within 1–4 weeks; without addressing the step hazard and electrical/GFCI/smoke/CO issues, the property may fail.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears clean and mostly updated: newer-looking kitchen cabinets, counters, appliances (gas range, microwave, stainless refrigerator) and laminate flooring. Visible cosmetic wear: living room carpet shows staining/wear, trim and thresholds show scuffs, and several porch steps and railings have peeling paint and weathered/deteriorated wood that will require repair or replacement. No visible collapsed surfaces, large holes, or exposed subfloor. Missing minor items (outlet covers, touch-up paint) likely easy/quick to fix. Overall condition indicates mostly cosmetic and medium-scope repairs rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "No obvious exposed wiring, broken windows, or major structural sagging visible in photos. Entry door appears solid and there is a porch railing, but the front steps show significant surface deterioration creating a trip/splinter hazard (safety concern). I did not find clear photographic evidence of properly located smoke detectors or carbon monoxide alarms (one small ceiling dome is visible above the kitchen window but cannot be confirmed as a smoke detector). Kitchen countertop outlets visible do not show a GFCI receptacle/identified GFCI protection near sink in photos — potential NSPIRE/GFCI failure depending on local code/inspector. Bedroom egress windows are not clearly shown; upper window appears small but may be code-compliant — not verifiable from images. Plumbing fixtures seen (kitchen sink) appear intact. Because of the step hazard and possible missing GFCI / unverified detectors, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "No mechanical equipment (furnace, water heater, electrical panel) is visible in the photos. There is a thermostat on a living area wall and floor/wall vents which suggest central HVAC is present. Appliances in photos (gas range, microwave, refrigerator, washer) are installed and appear functional, but operation is unverified. Roof shingles show age and staining but no visible sagging or active leaks in interior photos. Because major systems are not documented in images, I score conservatively but positively based on visible evidence (thermostat, vents, installed appliances). A pre-inspection of furnace, water heater and electrical panel is recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Vinyl siding and general yard maintenance look adequate; chain link fence encloses yard. Covered porch and deck appear usable; deck boards look in good condition in some photos but front porch steps and some railing show weathering and peeling paint that require repair/replacement to remove trip/splinter hazards. Gutters/downspouts appear present. No visible standing water, major foundation cracking, or pest infestation shown. Landscaping is tidy. Overall minor exterior repairs recommended."
}
],
"red_flags": [
"Deteriorated/peeling front porch steps and treads creating a trip/splinter hazard and potentially unsafe stairs.",
"No clearly identifiable GFCI-protected countertop outlets visible in the kitchen — potential electrical/code failure.",
"No clearly visible/confirmed smoke detectors or carbon monoxide alarms in photos — possible NSPIRE safety deficiency if missing or improperly located."
],
"confidence": 0.6,
"assumptions": [
"Central heating/cooling system exists and is functional (thermostat and floor vents visible), but the mechanical equipment is not pictured.",
"Hot water system and electrical panel exist and are serviceable though not photographed.",
"Kitchen appliances shown (gas range, microwave, refrigerator, washer) will be provided operational as pictured in listing.",
"Bedrooms have at least one egress window each consistent with local code (not clearly verifiable from images).",
"The small round ceiling device visible near the kitchen window is not confirmed as a working smoke detector; assume smoke/CO alarms may need verification or installation.",
"No active roof leaks are present (interior ceiling photos show no staining or sagging), though shingles show age/staining externally."
],
"overall_score": 71.0,
"rubric_version": "2026-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "356 S Belmore St, Leipsic, OH, 45856",
"aggregate": {
"summary": "Overall this single-family home is close to Section 8 / HCV rent-ready but has a few moderate safety issues that must be corrected prior to passing an initial NSPIRE inspection. The interior and major systems appear serviceable (kitchen appliances present, HVAC evidenced by thermostat and vents), and most repairs are cosmetic or minor-capital. However, exposed electrical outlet boxes and deteriorated front porch steps/handrail are inspection-failing safety issues that should be remediated urgently. After addressing electrical cover plates, verifying/adding smoke and CO detectors in required locations, repairing the porch stairs/handrail and confirming electrical panel and water heater condition, the property is likely to pass within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Interior finishes appear mostly sound: newer-looking laminate floors, solid wood cabinets, functioning kitchen appliances (gas range, microwave, refrigerator) and washer/dryer visible. Cosmetic wear includes stained/worn carpeting, scuffed trim, peeling paint on porch stairs and some deck boards. No major interior finish collapse or visible water damage in photos. Missing minor items (outlet covers, thresholds, paint) are repairable and do not appear to be capital-intensive."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.3,
"rationale": "Vinyl siding and chain-link fence appear intact; yard and walkways are tidy. Front porch decking and stairs show paint failure and worn treads which create a trip/safety issue. Deck and porch railings need paint/repair. Driveway/sidewalk and perimeter drainage show no visible standing water. Overall tidy curb appeal but localized exterior repairs are required."
},
{
"key": "safety_code",
"label": "Life Safety & Code Risks (NSPIRE)",
"score": 61.0,
"rationale": "Serious visible safety issues: multiple interior electrical outlet/plate openings with no covers (electrical shock/fire hazard) and deteriorated front porch steps/painted rails (unsafe stair condition and broken/peeling handrail area). A ceiling-mounted smoke/CO device is visible in the kitchen area but bedroom smoke/CO coverage is not confirmed. GFCI presence at sink is not visible. Egress windows not fully documented in photos. These items create moderate inspection risk and must be corrected before/at inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Evidence of functioning HVAC (installed thermostat and floor vents) and laundry appliances. Gas range and microwave are present. No visible active leaks or collapsed ceilings. Roof shows aging/shingle discoloration but no obvious sagging or breach visible from exterior photos. Electrical panel and water heater were not photographed, so their condition is unknown and should be verified. Overall systems show probable operability but require verification/testing."
}
],
"red_flags": [
"Exposed electrical outlet boxes / missing cover plates in interior living/kitchen area (electrical hazard)",
"Deteriorated front porch stairs and peeling/loose stair treads / compromised handrail (unsafe stairs / broken handrail)",
"Unverified smoke/CO detector coverage in bedrooms (potential code deficiency)"
],
"confidence": 0.94,
"assumptions": [
"Electrical panel location and overall panel condition not photographed; assumed functional but unverified.",
"Water heater and its venting are present and operational though not shown; assumed typical for a house of this age.",
"Bedrooms have egress windows that meet NSPIRE size requirements; not documented in photos but likely for a 1980-built home.",
"Entry door has a locking mechanism; presence of a deadbolt not confirmed and should be verified/installed if missing.",
"Smoke detectors/CO detectors: one ceiling device visible near kitchen; assumed additional detectors may be missing in bedrooms and should be installed/verified.",
"No signs of active roof leak or major foundation movement visible in photos; assumed no major structural defects but recommend physical inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 70.4,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3128426023"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.