Property ID: 3187347759
2322 Patterson Ave, Pittsburgh, PA, 15218
Pittsburgh, PA
Money Down: $40,560
CoC Return: 23.28%
Monthly Cash Flow: $787
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,800
Closing Costs
$6,760
Total Down
$40,560
Investment Snapshot
Purchase Price
$169,000
Money Down
$40,560
Cash-on-Cash Return
23.28%
Rent
$2,092
Monthly Cash Flow
$787
Annual Cash Flow
$9,443
Debt Service / Mo
$899
Property Tax / Mo
$162
Insurance / Mo
$34
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,092
Payment Standard
$2,583
Rent
$2,092
Insurance
$34
Property Tax
$162
Management
$209
Utilities Allowance
$491
NOI (Monthly)
$1,686
Debt Service
$899
Cash Flow After Debt
$787
Quality Score: 64.10%
Confidence: 95.00%
This 3-bedroom, 2-bath single-family appears cosmetically renovated and close to Section 8 rent-ready. Key positives: new-looking floors and paint, updated cabinets, kitchen plumbing present, and clean interior. Primary inspection risks that will need quick remediation before an HCV/NSPIRE inspection: install/verify smoke and CO detectors; install GFCI protection in kitchen/bath as required; confirm operational heating, hot water, and electrical panel; address uneven front walkway and improve/secure porch/guardrail. Roof shows moss/age and should be further checked for leaks. Missing kitchen appliances (stove/refrigerator) reduce tenant readiness but are not immediate safety failures. With 1–4 targeted fixes and verification of mechanicals, this property is likely to pass an initial HCV inspection within 30 days.
Section 8 Payment Standard
$2,583
Utility Allowance Total
$491
Guaranteed Section 8 Rent (PS - Utilities)
$2,092
Property Management
$209
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$169,000
Beds
3
Baths
2
Living Area
—
Lot Size
2,178 sqft
Year Built
1934
Days on Market
91
Capital Outlay
$40,560
Debt Service
$899
Property Tax / Mo
$162
Insurance / Mo
$34
Property Description
Fully renovated, beautifully remodeled home ready for you to move in! Everything has been done for you, including new floors, paint, and mechanical systems. The first floor is an open concept with a full bathroom immediately off the kitchen, optimizing convenience. Two spacious bedrooms on the second floor are perfect space, and the lower level bedroom is large enough to be a conjoined game room. This property features a large two tiered backyard, perfect for building a fence and enjoying some privacy. The seller is motivated to sell and has adjusted the asking price accordingly. All you could ask for is already done, come see your new home for yourself!
Utility Allowances
Heating
$82
Property details state 'Heating Features: Gas'. Selected 'natural_gas' from the schedule for a 3BR unit.
Cooking
$8
Property has gas heating, and kitchen photos show a gas-style range. Selected 'natural_gas' as the most consistent option for a 3BR unit.
Water Heating
$24
Fuel type inferred to be 'natural_gas' due to the presence of gas heating in the property. Selected value for a 3BR unit.
Other Electric
$75
Standard allowance for general lighting and miscellaneous tenant-plugged-in appliances for a 3BR unit.
Air Conditioning
$17
Standard allowance for tenant-provided air conditioning (e.g., window units) for a 3BR unit, as no central AC is mentioned.
Water
$101
Property details state 'Water Source: Public'. Selected the fixed allowance for a 3BR unit.
Sewer
$147
Property details state 'Sewer: Public'. Selected the fixed allowance for a 3BR unit.
Trash Collection
$0
The utility allowance schedule does not provide a value for trash collection for this unit type. It is often covered by municipal taxes.
Refrigerator
$19
Per instructions, as the property information does not explicitly state a refrigerator is provided, this allowance for a tenant-owned appliance is included.
Range / Microwave
$18
Per instructions, as the property information does not explicitly state a range or microwave is provided, this allowance for tenant-owned appliances is included.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf
https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf
https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/doing-business/landlord-resources/
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$253
DP3 Annual Estimate$565
DP1 Monthly Equivalent$21
DP3 Monthly Equivalent$47
Replacement Value$35,500
Basis625 sqft / 1934
Nearby Houses
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2314 Columbia Ave
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2318 Milligan Ave
off_market · 0.04 mi
Price: $17,000
— bd / — ba
Latest sale: —
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2326 Columbia Ave
sold · 0.05 mi
Price: $76,000
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Latest sale: $76,000
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2306 Milligan Ave
off_market · 0.06 mi
Price: $995
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Latest sale: $36,500
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2305 Patterson Ave
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Latest sale: $150,000
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7813 Lloyd Ave
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Latest sale: $116,000
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or CO alarms in photographed areas (required for pass).
- No visible GFCI-protected outlet at kitchen sink area.
- Roof shows moss and aged shingles — potential near-term roof replacement or leak risk.
- Cracked/uneven front porch and sidewalk creating trip hazard.
- Porch railings/guards appear incomplete/temporary and side slope guardrail is low — fall hazard on slope.
- No furnace, water heater or electrical panel photographed to verify operational status.
Assumptions
- Seller listing statement that 'mechanical systems' are new is partially accurate, but no mechanical equipment (furnace, water heater, electrical panel) was photographed for confirmation.
- Smoke and carbon monoxide detectors were not visible in images; assume not installed or not in rooms photographed and therefore likely need installation or relocation.
- Upper-floor windows provide adequate egress for bedrooms (not verifiable from photos but likely given house type).
- No active interior water leaks or severe mold exist because interior photos show clean painted surfaces and no visible stains.
- Utilities (electric, gas, water) are connected; however appliance hookups (stove/fridge) are currently empty or removed based on photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,891 | $45,100 | $45,100 |
| 2024 | $1,814 | $45,100 | $45,100 |
| 2023 | $1,836 | $45,100 | $45,100 |
| 2022 | $1,836 | $45,100 | $45,100 |
| 2021 | $1,791 | $45,100 | $45,100 |
| 2020 | $1,751 | $45,100 | $45,100 |
| 2019 | $1,717 | $45,100 | $45,100 |
| 2018 | $1,717 | $45,100 | $45,100 |
| 2017 | $1,717 | $45,100 | $45,100 |
| 2016 | $1,584 | $45,100 | $45,100 |
| 2015 | $1,584 | $45,100 | $45,100 |
| 2014 | $1,541 | $45,100 | $45,100 |
| 2013 | $1,712 | $45,100 | $45,100 |
| 2012 | $1,440 | $34,300 | $34,300 |
| 2011 | $1,387 | $34,300 | $34,300 |
| 2010 | $1,352 | $34,300 | $34,300 |
| 2009 | $1,352 | $34,300 | $34,300 |
| 2008 | $1,318 | $34,300 | $34,300 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-26 | Price Changed | $169,000 |
| 2026-01-08 | Listed | $199,000 |
| 2016-10-06 | Listing removed | $895 |
| 2016-09-15 | Price Changed for rent | $895 |
| 2016-07-28 | Listed for rent | $950 |
| 2016-03-31 | Listing removed | $950 |
| 2016-03-10 | Listed for rent | $950 |
| 2015-10-05 | Listing removed | $950 |
| 2015-09-11 | Price Changed for rent | $950 |
| 2015-08-14 | Listing removed | $995 |
| 2015-08-04 | Listed for rent | $995 |
| 2015-07-22 | Listing removed | $995 |
| 2015-07-13 | Listed for rent | $995 |
| 2015-07-11 | Listing removed | $995 |
| 2015-06-23 | Listed for rent | $995 |
| 2015-06-20 | Listed for rent | $995 |
| 2001-03-12 | Sold | $30,000 |
| 1979-06-27 | Sold | $29,000 |
Photo Gallery
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"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "3187347759",
"generated_at": "2026-02-25T00:27:13.241443Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.1
},
"utility_allowance": {
"zip_code": "15218",
"home_photo": "https://ap.rdcpix.com/e28061b0a980994b067b1e8cb783f65al-b2237959795s-w1280.jpg",
"rent_price": 2092.0,
"loan_amount": 135200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2322-Patterson-Ave_Pittsburgh_PA_15218_M31873-47759",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 169000.0,
"loan_term_years": 30,
"annual_cash_flow": 20236.87,
"mortgage_monthly": 899.49,
"payment_standard": 2583.0,
"total_amount_out": 33800.0,
"additional_photos": [
"https://ap.rdcpix.com/e28061b0a980994b067b1e8cb783f65al-b2556163133s-w1280.jpg",
"https://ap.rdcpix.com/e28061b0a980994b067b1e8cb783f65al-b1293664540s-w1280.jpg",
"https://ap.rdcpix.com/e28061b0a980994b067b1e8cb783f65al-b83312675s-w1280.jpg",
"https://ap.rdcpix.com/e28061b0a980994b067b1e8cb783f65al-b3588263807s-w1280.jpg",
"https://ap.rdcpix.com/e28061b0a980994b067b1e8cb783f65al-b2749934987s-w1280.jpg",
"https://ap.rdcpix.com/e28061b0a980994b067b1e8cb783f65al-b503187343s-w1280.jpg",
"https://ap.rdcpix.com/e28061b0a980994b067b1e8cb783f65al-b3447182108s-w1280.jpg",
"https://ap.rdcpix.com/e28061b0a980994b067b1e8cb783f65al-b775821045s-w1280.jpg",
"https://ap.rdcpix.com/e28061b0a980994b067b1e8cb783f65al-b989159673s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 34.08,
"monthly_cash_flow": 1686.41,
"property_tax_rate": 0.0168,
"_utility_allowance": {
"sources": [
"https://hacp.org/app/uploads/2025/10/2026-HCV-Utility-Allowance-Schedule.pdf",
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property details state 'Heating Features: Gas'. Selected 'natural_gas' from the schedule for a 3BR unit.",
"utility": "Heating",
"allowance": 82
},
{
"note": "Property has gas heating, and kitchen photos show a gas-style range. Selected 'natural_gas' as the most consistent option for a 3BR unit.",
"utility": "Cooking",
"allowance": 8
},
{
"note": "Fuel type inferred to be 'natural_gas' due to the presence of gas heating in the property. Selected value for a 3BR unit.",
"utility": "Water Heating",
"allowance": 24
},
{
"note": "Standard allowance for general lighting and miscellaneous tenant-plugged-in appliances for a 3BR unit.",
"utility": "Other Electric",
"allowance": 75
},
{
"note": "Standard allowance for tenant-provided air conditioning (e.g., window units) for a 3BR unit, as no central AC is mentioned.",
"utility": "Air Conditioning",
"allowance": 17
},
{
"note": "Property details state 'Water Source: Public'. Selected the fixed allowance for a 3BR unit.",
"utility": "Water",
"allowance": 101
},
{
"note": "Property details state 'Sewer: Public'. Selected the fixed allowance for a 3BR unit.",
"utility": "Sewer",
"allowance": 147
},
{
"note": "The utility allowance schedule does not provide a value for trash collection for this unit type. It is often covered by municipal taxes.",
"utility": "Trash Collection",
"allowance": 0
},
{
"note": "Per instructions, as the property information does not explicitly state a refrigerator is provided, this allowance for a tenant-owned appliance is included.",
"utility": "Refrigerator",
"allowance": 19
},
{
"note": "Per instructions, as the property information does not explicitly state a range or microwave is provided, this allowance for tenant-owned appliances is included.",
"utility": "Range / Microwave",
"allowance": 18
}
],
"cash_on_cash_return": 0.6,
"down_payment_amount": 33800.0,
"property_tax_annual": 1947.73,
"property_tax_monthly": 162.31,
"property_tax_increase": 0.03,
"utility_allowance_total": 491.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf",
"https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/doing-business/landlord-resources/"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 9443.0,
"property_management_monthly": 209.2,
"monthly_cash_flow_after_debt": 786.92,
"cash_on_cash_return_after_debt": 0.28
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bedroom, 2-bath single-family appears cosmetically renovated and close to Section 8 rent-ready. Key positives: new-looking floors and paint, updated cabinets, kitchen plumbing present, and clean interior. Primary inspection risks that will need quick remediation before an HCV/NSPIRE inspection: install/verify smoke and CO detectors; install GFCI protection in kitchen/bath as required; confirm operational heating, hot water, and electrical panel; address uneven front walkway and improve/secure porch/guardrail. Roof shows moss/age and should be further checked for leaks. Missing kitchen appliances (stove/refrigerator) reduce tenant readiness but are not immediate safety failures. With 1–4 targeted fixes and verification of mechanicals, this property is likely to pass an initial HCV inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Listing and photos show recent cosmetic renovation: new flooring, paint, refreshed cabinets. Minor deferred items visible: cabinet bases/drawers missing or damaged, no stove/refrigerator present in photos, porch railing appears newly installed but unfinished, front concrete porch/walkway has cracking and settling. These are mostly cosmetic or modest capital repairs that can be addressed quickly and do not indicate structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE-relevant items are not visible or not present in photos: no smoke detectors or carbon monoxide alarms are visible; kitchen outlets are standard outlets (no visible GFCI near sink); egress windows for upper bedrooms are plausible but not confirmed; entry door hardware shows a knob but no clear deadbolt; there is a mounted fire extinguisher in the kitchen (positive). Exterior wiring and meter/satellite cabling are present but not obviously hazardous. Front walkway concrete is cracked and uneven (trip hazard) and side slope has a low/partial guardrail. Overall moderate risk: likely a few code-fix items (smoke/CO detectors, GFCI) are required prior to move-in."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "Listing states 'mechanical systems' were replaced; interior photos show floor vents suggesting forced-air distribution, but no furnace, water heater, or electrical panel is photographed. Roof shows moss and age which can indicate limited remaining life. Kitchen plumbing appears present but appliance hookups (stove, fridge) are missing; visible vent hood suggests prior range. Because major systems are claimed new but not documented in photos, there is moderate uncertainty — likely operational but require verification (heater, hot water, electrical panel, water heater)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior paint and siding appear recently painted and in good cosmetic condition. Foundation stonework looks intact. Roof shows moss and older shingles which could need attention in short term. Front porch concrete and sidewalk are cracked/settled. The property sits on a slope; a simple metal side guardrail exists but is low — fall risk if backyard slope is steep. Yard appears to need minor site work (fence suggested by listing). No obvious infestation or severe neglect visible."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photographed areas (required for pass).",
"No visible GFCI-protected outlet at kitchen sink area.",
"Roof shows moss and aged shingles — potential near-term roof replacement or leak risk.",
"Cracked/uneven front porch and sidewalk creating trip hazard.",
"Porch railings/guards appear incomplete/temporary and side slope guardrail is low — fall hazard on slope.",
"No furnace, water heater or electrical panel photographed to verify operational status."
],
"confidence": 0.6,
"assumptions": [
"Seller listing statement that 'mechanical systems' are new is partially accurate, but no mechanical equipment (furnace, water heater, electrical panel) was photographed for confirmation.",
"Smoke and carbon monoxide detectors were not visible in images; assume not installed or not in rooms photographed and therefore likely need installation or relocation.",
"Upper-floor windows provide adequate egress for bedrooms (not verifiable from photos but likely given house type).",
"No active interior water leaks or severe mold exist because interior photos show clean painted surfaces and no visible stains.",
"Utilities (electric, gas, water) are connected; however appliance hookups (stove/fridge) are currently empty or removed based on photos."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 2-bath single-family appears cosmetically renovated and largely habitable but has several NSPIRE compliance risks that could fail an initial HCV inspection if not corrected before inspection. Major items to address before marketing for Section 8: install/verify smoke and CO alarms in required locations, confirm and/or install GFCI protection in kitchen/bath, ensure lower-level bedroom has compliant egress or reclassify space, upgrade/secure porch guardrail and any stair handrails, document HVAC/water heater/electrical service. With those corrections (and installation of missing kitchen appliances), the property is likely rent-ready within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently renovated: new-looking LVP flooring, fresh paint, intact ceilings and trim. Kitchen cabinets show cosmetic damage and missing toe/trim; missing major appliances (stove/fridge) visible/likely — listing does not show them. Porch concrete has surface cracking and staining. Porch posts/railings appear newly installed but are minimal/incomplete. Overall issues are cosmetic and finish-level; fix list would include installing appliances, repairing cabinet bases/trim, patching concrete, and upgrading porch rail/finish. These are easy-to-moderate fixes and do not indicate widespread deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE)",
"score": 55.0,
"rationale": "Multiple NSPIRE risk items are unresolved or not visible in photos: no smoke detectors or carbon monoxide alarms are visible in living areas/bedrooms (required). Kitchen shows no visible GFCI outlet at sink (possible fail in some local interpretations). Lower-level bedroom referenced in listing may lack compliant egress (no egress window shown). Porch guardrail/handrail is minimal and may not meet guard height/strength requirements where there is a drop. No exposed live wiring observed in photos; electrical panel and hot-water availability not shown. Plumbing fixtures appear present and functional. These unknowns reduce pass likelihood unless addressed prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Listing states 'new mechanical systems' and a supply vent is visible in living area suggesting forced air HVAC; no furnace, water heater, or electrical panel photos provided to confirm. Roof shingles show moss/aging but no active leaks visible inside. Kitchen sink and plumbing fixtures look intact; however dishwasher/oven/water heater locations are not shown. Given seller claim of recent mechanical updates, assume systems are functional but unverified — moderate risk until documentation or service records are provided."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "Exterior paint/siding was recently redone and looks serviceable. Roof shows visible moss and general aging which indicates limited remaining service life and elevated near-term maintenance risk. Front concrete porch and adjacent sidewalk have cracking and unevenness (trip hazard). There is a steep drop at the side/rear yard with only a short metal rail in place — rail may be insufficient. No clear driveway; street-front lot limits safe off-street parking. Overall the building envelope is intact but needs attention to roof, walkways, and guardrails."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (required for inspection).",
"Potential non-compliant egress for lower-level bedroom (no egress window shown).",
"Porch guardrail/handrail is minimal/incomplete and may not meet guard/handrail code (safety fail if drop present).",
"Roof shows moss and weathering — elevated near-term roof repair/replacement risk.",
"Kitchen lacks visible GFCI protection at sink and is missing major appliances (stove/fridge) in photos."
],
"confidence": 0.6,
"assumptions": [
"Seller statement 'new mechanical systems' is accurate; HVAC, water heater, and major electrical updates were performed recently though no photos/documents provided.",
"No stove or refrigerator are present in photos — assume appliances are not included and must be provided.",
"No smoke or CO detectors are visible in photos; assume none installed or not in required locations.",
"Lower-level bedroom existence per listing implies basement sleeping space; no egress window is shown so assume egress may be non-compliant until confirmed.",
"Electrical panel location and condition not shown; assume intact but unverified.",
"No interior water stains or active leaks visible in photos; assume no active interior leaks at time photos taken."
],
"overall_score": 63.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "Overall this 1934 single-family home appears cosmetically renovated and mostly turnkey for rental but has several NSPIRE-related safety items that require attention before a Housing Choice Voucher initial inspection. Positives: fresh paint, new-looking flooring, updated kitchen cabinets, seller-stated new mechanicals and no visible structural sagging or active water intrusion. Concerns that lower Section 8 inspectors will flag include lack of visible smoke/CO detectors, potentially inadequate egress for the lower-level bedroom, incomplete/low porch guardrails and missing kitchen appliances. Mechanical systems should be verified on-site (HVAC, water heater, electrical panel, hot water). With focused fixes (install code-compliant smoke/CO detectors, confirm egress or provide alternate sleeping arrangements, install/repair handrails, supply/secure appliances and address any GFCI needs) the property is likely to pass within 30 days; without those fixes it could fail on safety/egress items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior photos show freshly painted walls and new-looking vinyl plank flooring, indicating recent cosmetic work. Kitchen cabinets show wear and one cabinet/base missing; no stove or refrigerator present in photos (appliances appear to be missing). Porch concrete has visible staining and cracking; new-looking unfinished porch railings installed (appear temporary/unpainted). Exterior paint is fresh. Overall visible deferred maintenance is limited to finish carpentry, missing appliances, some cabinet repair and porch/driveway concrete cracks — easy-to-fix or capital-only items rather than structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Photos do not show smoke detectors or carbon monoxide alarms (none visible in living areas or kitchen) — required for inspection. Kitchen lacks visible stove and refrigerator (not a safety fail but affects habitability). Porch railing is low/incomplete and there is a lack of a visible handrail for the side steps/steep slope; this is an NSPIRE safety concern. The lower-level bedroom referenced in the listing may be below-grade and there is no clear evidence of compliant egress window from photos; potential egress noncompliance is a significant inspection risk. No exposed interior electrical wiring or obvious major water intrusion visible; a fire extinguisher is present in kitchen. Electrical panel and GFCI outlets are not visible in photos and must be verified. Because several required life-safety items (smoke/CO, egress, guardrails/handrails) are not visibly confirmed, safety risk is moderate-high."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Listing states 'new mechanical systems' which supports a positive score but specifics are not shown. Visible floor vent/register in living room suggests a working forced-air heating/vent system. No water heater, furnace, electrical panel or HVAC equipment is pictured for independent verification. Roof shows age and moss/algae staining; no active leaks or sagging are visible in photos but roof likely near mid/late life and will need inspection. Gas meter is present and appears intact. Given the seller claim of new mechanicals but limited photographic verification, assign a moderate score with recommendation to verify HVAC, water heater, electrical panel and hot water supply prior to tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 62.0,
"rationale": "Exterior siding and paint appear recently done and in good cosmetic condition. Concrete porch/driveway and adjacent sidewalk show cracking and uneven surfaces (trip hazard). Roof surface has moss/algae staining indicating aging shingles but no visible sagging or missing areas. Yard is sloped/terraced as described and has a metal handrail at the side but guardrail coverage is incomplete; vegetation and trees close to house may require routine maintenance. Foundation appears masonry/stone and looks intact in provided photos with no obvious settlement cracks. Overall exterior is functional but needs attention to walkways, porch guardrails and a roof inspection."
}
],
"red_flags": [
"Insufficient/low or incomplete porch guardrails and lack of a code-compliant handrail on the side steps (unsafe stairs/handrail issue).",
"Potentially inadequate emergency egress from the lower-level bedroom (lower-level sleeping area may not meet egress requirements).",
"No visible smoke detectors or CO alarms in staged photos (life-safety devices likely missing/unverified)."
],
"confidence": 0.6,
"assumptions": [
"Seller claim 'new mechanical systems' is accurate (furnace/HVAC and water heater were replaced or serviced recently) but equipment was not photographed for verification.",
"Heating system exists and is operable based on visible floor/register; no evidence of total lack of heat in photos.",
"Smoke and carbon monoxide detectors are not present or not visible in provided photos and should be treated as missing until verified.",
"Lower-level bedroom may be partially below grade (listing calls it 'lower level') and egress window adequacy is uncertain because exterior/basement windows are not shown.",
"Electrical panel, GFCI protection and appliance hookups are present but not visible in photos; their condition is unknown and assumed serviceable until inspected.",
"No active interior leaks, major mold or collapsed ceilings were visible in the photos; none assumed unless found on site.",
"Roof has surface moss/algae and is aged but not actively leaking based on lack of interior stains in photos; roof condition should still be verified in person."
],
"overall_score": 64.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2322 Patterson Ave, Pittsburgh, PA, 15218",
"aggregate": {
"summary": "This 3-bedroom, 2-bath single-family appears cosmetically renovated and close to Section 8 rent-ready. Key positives: new-looking floors and paint, updated cabinets, kitchen plumbing present, and clean interior. Primary inspection risks that will need quick remediation before an HCV/NSPIRE inspection: install/verify smoke and CO detectors; install GFCI protection in kitchen/bath as required; confirm operational heating, hot water, and electrical panel; address uneven front walkway and improve/secure porch/guardrail. Roof shows moss/age and should be further checked for leaks. Missing kitchen appliances (stove/refrigerator) reduce tenant readiness but are not immediate safety failures. With 1–4 targeted fixes and verification of mechanicals, this property is likely to pass an initial HCV inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.3,
"rationale": "Listing and photos show recent cosmetic renovation: new flooring, paint, refreshed cabinets. Minor deferred items visible: cabinet bases/drawers missing or damaged, no stove/refrigerator present in photos, porch railing appears newly installed but unfinished, front concrete porch/walkway has cracking and settling. These are mostly cosmetic or modest capital repairs that can be addressed quickly and do not indicate structural failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 62.3,
"rationale": "Exterior paint and siding appear recently painted and in good cosmetic condition. Foundation stonework looks intact. Roof shows moss and older shingles which could need attention in short term. Front porch concrete and sidewalk are cracked/settled. The property sits on a slope; a simple metal side guardrail exists but is low — fall risk if backyard slope is steep. Yard appears to need minor site work (fence suggested by listing). No obvious infestation or severe neglect visible."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE-relevant items are not visible or not present in photos: no smoke detectors or carbon monoxide alarms are visible; kitchen outlets are standard outlets (no visible GFCI near sink); egress windows for upper bedrooms are plausible but not confirmed; entry door hardware shows a knob but no clear deadbolt; there is a mounted fire extinguisher in the kitchen (positive). Exterior wiring and meter/satellite cabling are present but not obviously hazardous. Front walkway concrete is cracked and uneven (trip hazard) and side slope has a low/partial guardrail. Overall moderate risk: likely a few code-fix items (smoke/CO detectors, GFCI) are required prior to move-in."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 63.3,
"rationale": "Listing states 'mechanical systems' were replaced; interior photos show floor vents suggesting forced-air distribution, but no furnace, water heater, or electrical panel is photographed. Roof shows moss and age which can indicate limited remaining life. Kitchen plumbing appears present but appliance hookups (stove, fridge) are missing; visible vent hood suggests prior range. Because major systems are claimed new but not documented in photos, there is moderate uncertainty — likely operational but require verification (heater, hot water, electrical panel, water heater)."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photographed areas (required for pass).",
"No visible GFCI-protected outlet at kitchen sink area.",
"Roof shows moss and aged shingles — potential near-term roof replacement or leak risk.",
"Cracked/uneven front porch and sidewalk creating trip hazard.",
"Porch railings/guards appear incomplete/temporary and side slope guardrail is low — fall hazard on slope.",
"No furnace, water heater or electrical panel photographed to verify operational status."
],
"confidence": 0.95,
"assumptions": [
"Seller listing statement that 'mechanical systems' are new is partially accurate, but no mechanical equipment (furnace, water heater, electrical panel) was photographed for confirmation.",
"Smoke and carbon monoxide detectors were not visible in images; assume not installed or not in rooms photographed and therefore likely need installation or relocation.",
"Upper-floor windows provide adequate egress for bedrooms (not verifiable from photos but likely given house type).",
"No active interior water leaks or severe mold exist because interior photos show clean painted surfaces and no visible stains.",
"Utilities (electric, gas, water) are connected; however appliance hookups (stove/fridge) are currently empty or removed based on photos."
],
"score_method": "mean_of_criteria",
"overall_score": 64.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3187347759"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.