Property ID: 3197964272
200 S Garrett St, Nevada, OH, 44849
Nevada, OH
Money Down: $31,176
CoC Return: 2.47%
Monthly Cash Flow: $64
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,980
Closing Costs
$5,196
Total Down
$31,176
Investment Snapshot
Purchase Price
$129,900
Money Down
$31,176
Cash-on-Cash Return
2.47%
Rent
$974
Monthly Cash Flow
$64
Annual Cash Flow
$771
Debt Service / Mo
$691
Property Tax / Mo
$81
Insurance / Mo
$40
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$974
Payment Standard
$1,242
Rent
$974
Insurance
$40
Property Tax
$81
Management
$97
Utilities Allowance
$268
NOI (Monthly)
$756
Debt Service
$691
Cash Flow After Debt
$64
Quality Score: 71.50%
Confidence: 91.00%
This 3-bed, 2-bath modular ranch appears generally well maintained and likely to pass Section 8 / NSPIRE inspection after a handful of straightforward checks and minor fixes. Strengths: recent roof (2020), new water heater (2024), new tub (2024), intact siding, attached garage with concrete floor, and functional-looking HVAC condenser. Primary inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection, unknown heating/furnace visibility, and unconfirmed bedroom egress windows. With 1–4 standard items addressed (install/verify alarms, confirm heating and electrical panel condition, supply missing refrigerator if needed, minor cosmetic repairs), the property should be rent-ready within ~30 days.
Section 8 Payment Standard
$1,242
Utility Allowance Total
$268
Guaranteed Section 8 Rent (PS - Utilities)
$974
Property Management
$97
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,900
Beds
3
Baths
2
Living Area
1,040 sqft
Lot Size
9,583 sqft
Year Built
1994
Days on Market
94
Capital Outlay
$31,176
Debt Service
$691
Property Tax / Mo
$81
Insurance / Mo
$40
Property Description
Enjoy small-town living in this well-maintained 3-bedroom, 2-bath ranch-style modular home offering comfortable, functional living spaces. The eat-in kitchen provides a welcoming spot for daily meals and gatherings, while the primary suite includes a private bath for added convenience. The main bath features a new tub installed in 2024, and the water heater was also replaced in 2024, offering peace of mind for the next owner. Major updates include a new roof in 2020.The 24x22 garage with a concrete floor is a standout feature, providing excellent workspace along with room for an additional parking bayideal for hobbies, storage, or extra vehicles. This home combines practical updates, efficient layout, and the charm of quiet small-town living.
Utility Allowances
Heating
$75
The property details specify forced air heating with 'Heating Fuel: Gas'.
Cooking
$12
Assumed to be Natural Gas based on the availability of gas for heating.
Water Heating
$33
Assumed to be Natural Gas, consistent with the property's heating fuel and the presence of a new water heater.
Air Conditioning
$0
The property has central A/C, but the utility schedule provides a null allowance for this utility, resulting in a value of $0.
Other Electric
$39
Standard allowance for general electricity usage (lights, outlets) in a 3-bedroom single-family home.
Water
$32
The property is connected to public water as per property details.
Sewer
$36
The property is connected to a public sewer system as per property details.
Trash Collection
$25
Standard allowance for municipal trash collection, assumed to be a tenant expense for a single-family home.
Refrigerator
$8
Assumed to be tenant-provided as it is not explicitly listed as an included appliance in the property description.
Range
$8
Allowance for the electric components of a tenant-provided range, separate from the cooking fuel cost.
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$475
DP3 Annual Estimate$496
DP1 Monthly Equivalent$40
DP3 Monthly Equivalent$41
Replacement Value$61,840
Basis1,040 sqft / 1994
Nearby Houses
Photo unavailable
215 S Main St
sold · 0.07 mi
Price: $189,900
4 bd / 2 ba · 2,772 sqft
Latest sale: $189,900 on Aug 29, 2025
Latest rent: —
Photo unavailable
222 S Garrett St
sold · 0.09 mi
Price: $106,000
3 bd / 2 ba · 1,720 sqft
Latest sale: $106,000 on Dec 04, 2020
Latest rent: —
Photo unavailable
200 S Main St
sold · 0.09 mi
Price: $111,900
3 bd / 1 ba · 1,168 sqft
Latest sale: $111,900 on Sep 09, 2020
Latest rent: —
Photo unavailable
204 S Main St
sold · 0.10 mi
Price: $190,000
5 bd / 2 ba · 2,240 sqft
Latest sale: $190,000 on Jul 05, 2022
Latest rent: —
Photo unavailable
105 South St
sold · 0.12 mi
Price: $187,500
3 bd / 1 ba · 1,232 sqft
Latest sale: $187,500 on May 13, 2024
Latest rent: —
Photo unavailable
212 S Main St
sold · 0.12 mi
Price: $105,000
3 bd / 3 ba · 2,208 sqft
Latest sale: $105,000 on Dec 01, 2016
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors and carbon monoxide alarms are not visible in photos; assume their presence is unverified and may need installation/verification.
- A heating system (furnace) exists but is not pictured; assume heating is present but unverified for operation or age.
- Electrical panel and GFCI outlets are not shown; assume GFCI protection in kitchen/bath is unverified and may require upgrades.
- A refrigerator is not visible in the provided kitchen photos; assume fridge may be missing or not pictured and plan for a moderate score impact if not provided.
- Bedroom egress windows are not photographed; assume typical modular home-sized bedroom windows but egress compliance is unverified.
- No interior evidence of active leaks, severe mold, structural damage, or major electrical hazards was observed; assume none present unless disclosed elsewhere.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $938 | $71,140 | $24,900 |
| 2024 | $830 | $71,140 | $24,900 |
| 2023 | $888 | $59,340 | $20,769 |
| 2022 | $934 | $59,340 | $20,769 |
| 2021 | $805 | $48,030 | $16,811 |
| 2020 | $792 | $48,030 | $16,811 |
| 2019 | $708 | $48,030 | $16,811 |
| 2018 | $883 | $59,080 | $20,678 |
| 2017 | $880 | $59,080 | $20,678 |
| 2016 | $719 | $59,080 | $20,679 |
| 2015 | $700 | $56,510 | $19,779 |
| 2014 | $750 | $56,510 | $19,780 |
| 2013 | $733 | $56,510 | $19,780 |
| 2012 | $915 | $68,830 | $24,090 |
| 2011 | $942 | $68,830 | $24,090 |
| 2009 | $1,021 | $73,480 | $25,720 |
| 2008 | $1,047 | $73,480 | $25,720 |
| 2006 | $1,835 | $71,650 | $25,080 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-05-27 | Sold | $115,000 |
| 2021-07-01 | Sold | $55,000 |
| 2021-05-06 | Sold | $24,000 |
Photo Gallery
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"last_status_change_date": "2021-07-14T03:07:51Z"
},
"event_name": "Listed",
"price_sqft": 62.98076923076923,
"source_name": "Mansfield",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "9048806",
"price_change_percentage": "-12.67%"
},
{
"date": "2005-10-20",
"price": 75000,
"listing": null,
"event_name": "Sold",
"price_sqft": 72.11538461538461,
"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": "3197964272",
"generated_at": "2026-02-19T06:15:49.613319Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 71.5
},
"utility_allowance": {
"zip_code": "44849",
"home_photo": "https://ap.rdcpix.com/6aad96d66b740a5bec4d3d8f8173c85el-m3813444168s-w1280.jpg",
"rent_price": 974.0,
"loan_amount": 103920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/200-S-Garrett-St_Nevada_OH_44849_M31979-64272",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 129900.0,
"loan_term_years": 30,
"annual_cash_flow": 9067.56,
"mortgage_monthly": 691.38,
"payment_standard": 1242.0,
"total_amount_out": 25980.0,
"additional_photos": [
"https://ap.rdcpix.com/6aad96d66b740a5bec4d3d8f8173c85el-m511433720s-w1280.jpg",
"https://ap.rdcpix.com/6aad96d66b740a5bec4d3d8f8173c85el-m1515568143s-w1280.jpg",
"https://ap.rdcpix.com/6aad96d66b740a5bec4d3d8f8173c85el-m829789063s-w1280.jpg",
"https://ap.rdcpix.com/6aad96d66b740a5bec4d3d8f8173c85el-m2780860521s-w1280.jpg",
"https://ap.rdcpix.com/6aad96d66b740a5bec4d3d8f8173c85el-m975670458s-w1280.jpg",
"https://ap.rdcpix.com/6aad96d66b740a5bec4d3d8f8173c85el-m3247872932s-w1280.jpg",
"https://ap.rdcpix.com/6aad96d66b740a5bec4d3d8f8173c85el-m1147585553s-w1280.jpg",
"https://ap.rdcpix.com/6aad96d66b740a5bec4d3d8f8173c85el-m3777842368s-w1280.jpg",
"https://ap.rdcpix.com/6aad96d66b740a5bec4d3d8f8173c85el-m3250841333s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 40.46,
"monthly_cash_flow": 755.63,
"property_tax_rate": 0.0084,
"_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": "The property details specify forced air heating with 'Heating Fuel: Gas'.",
"utility": "Heating",
"allowance": 75
},
{
"note": "Assumed to be Natural Gas based on the availability of gas for heating.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "Assumed to be Natural Gas, consistent with the property's heating fuel and the presence of a new water heater.",
"utility": "Water Heating",
"allowance": 33
},
{
"note": "The property has central A/C, but the utility schedule provides a null allowance for this utility, resulting in a value of $0.",
"utility": "Air Conditioning",
"allowance": 0
},
{
"note": "Standard allowance for general electricity usage (lights, outlets) in a 3-bedroom single-family home.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "The property is connected to public water as per property details.",
"utility": "Water",
"allowance": 32
},
{
"note": "The property is connected to a public sewer system as per property details.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "Standard allowance for municipal trash collection, assumed to be a tenant expense for a single-family home.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Assumed to be tenant-provided as it is not explicitly listed as an included appliance in the property description.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Allowance for the electric components of a tenant-provided range, separate from the cooking fuel cost.",
"utility": "Range",
"allowance": 8
}
],
"cash_on_cash_return": 0.35,
"down_payment_amount": 25980.0,
"property_tax_annual": 966.14,
"property_tax_monthly": 80.51,
"property_tax_increase": 0.03,
"utility_allowance_total": 268.0,
"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": 2025,
"annual_cash_flow_after_debt": 770.97,
"property_management_monthly": 97.4,
"monthly_cash_flow_after_debt": 64.25,
"cash_on_cash_return_after_debt": 0.03
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed, 2-bath modular ranch appears generally well maintained and likely to pass Section 8 / NSPIRE inspection after a handful of straightforward checks and minor fixes. Strengths: recent roof (2020), new water heater (2024), new tub (2024), intact siding, attached garage with concrete floor, and functional-looking HVAC condenser. Primary inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection, unknown heating/furnace visibility, and unconfirmed bedroom egress windows. With 1–4 standard items addressed (install/verify alarms, confirm heating and electrical panel condition, supply missing refrigerator if needed, minor cosmetic repairs), the property should be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 72.0,
"rationale": "Interior and exterior photos show a well-maintained modular ranch with intact siding, a usable deck and an attached garage. Interior finishes are dated (wallpaper, trim) but appear intact; carpeting shows some wear/wrinkling near seams. Kitchen has a stove but no refrigerator is visible in photos (missing fridge reduces score moderately). Listing notes new tub (2024) and water heater (2024) which reduces risk. No obvious collapsed ceilings, major drywall damage, or exposed subfloor observed. Overall mainly cosmetic and medium-effort repairs likely (paint, carpet seam repair, possible appliance replacement)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No visible active water intrusion, standing water, major trip hazards, or collapsed ceilings in photos. Exterior electrical meter and conduit look intact. However, smoke detectors and carbon monoxide alarms are not visible in interior photos (unable to verify placement/operation) and a deadbolt is not visible on the primary entry shown. Bedroom egress windows are not individually shown so egress compliance is unconfirmed. GFCI receptacle presence in kitchen and bathrooms not documented. Given the unknown status of required alarms and egress verification, moderate inspection risk exists that will likely require small fixes (installing/verifying detectors, CO alarms, adding deadbolt if missing, possible GFCI upgrades)."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 68.0,
"rationale": "Listing states water heater replaced in 2024 and roof replaced in 2020; photos show an outdoor A/C condenser unit, suggesting central cooling is present. These indicate relatively recent major component replacements and reduce system risk. The heating source (furnace/heat type) and electrical panel condition are not shown. No visible plumbing leaks or evidence of active roof leaks. Overall systems appear serviceable but lack of direct evidence for furnace and electrical panel prevents a higher score."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate hazards",
"score": 78.0,
"rationale": "Exterior photos show intact vinyl siding, metal roof (or updated roof), a concrete-floored garage (24x22 per listing), and a front deck in good visible condition. Yard is flat with clear walkways; driveway appears gravel but functional. Several large trees are very close to the structure which increases long-term roof/gutter/debris risk and falling-branch exposure; no immediate root/foundation distress visible. Overall the exterior and site are in good-to-good-plus condition with only moderate long-term maintenance considerations."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume their presence is unverified and may need installation/verification.",
"A heating system (furnace) exists but is not pictured; assume heating is present but unverified for operation or age.",
"Electrical panel and GFCI outlets are not shown; assume GFCI protection in kitchen/bath is unverified and may require upgrades.",
"A refrigerator is not visible in the provided kitchen photos; assume fridge may be missing or not pictured and plan for a moderate score impact if not provided.",
"Bedroom egress windows are not photographed; assume typical modular home-sized bedroom windows but egress compliance is unverified.",
"No interior evidence of active leaks, severe mold, structural damage, or major electrical hazards was observed; assume none present unless disclosed elsewhere."
],
"overall_score": 69.0,
"rubric_version": "ns-preset-2026-01"
},
{
"summary": "Overall this 3-bed, 2-bath modular home appears to be in the 'minor repairs' category for Section 8 readiness. Recent major capital items (roof 2020, water heater 2024) and generally intact interior/exterior conditions point toward a likely passable HCV/NSPIRE inspection after verifying/adding required detectors and confirming some system details. Primary near-term items to confirm or correct: presence/placement of smoke and CO detectors, deadbolt on entry door, GFCI protection in kitchen/bath, and functional verification of HVAC and electrical panel. Expect minor corrective items and cosmetic work; likely rent-ready within a few weeks once detectors and small code items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior and exterior photographs show a well-maintained modular ranch with recent cosmetic updates; carpet and finishes appear intact and functional. Kitchen has a visible range/oven; refrigerator not visible in photos but absence would be a moderate, fixable item. Minor cosmetic work (wallpaper removal or repaint, threshold scuffs) likely only. Deck and railings appear in good shape. No visible collapsed ceilings, major drywall damage, or exposed subfloor. Overall repair needs are minor and mostly cosmetic or small capital items."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos, and no deadbolt is evident on the primary entry (photo shows only a knob). Egress windows appear adequate (large living/bedroom windows), and deck has railings. No exposed wiring seen; exterior meter and conduit appear intact. GFCI outlets, electrical panel location/condition, and hot-water functionality cannot be confirmed from photos. Recent water heater (2024) reduces hot water risk. Because required detectors and GFCI/panel locations are not shown, there is a moderate NSPIRE risk that will need verification/fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Listing notes a new roof in 2020 and a water heater replacement in 2024, both positive indicators. Outdoor HVAC condenser is visible, indicating central cooling/heating likely present, but age/operation not confirmed. No visible plumbing leaks, active water intrusion, or roof sagging in photos. Electrical panel was not photographed so condition is unknown. Overall systems appear serviceable but require on-site verification for HVAC operation and panel/GFCI compliance."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Vinyl siding, windows, and attached garage look intact; garage concrete floor described as present. Front deck and steps with railing are in place. Mature trees are close to the structure which can present future root/fall risk and potential gutter/debris issues. Snow covers the ground and conceals walkways, grades, and drainage details so trip hazards, ice buildup points, or negative grading cannot be confirmed. No visible major foundation cracks or standing water in available photos."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior photos are representative of the rest of the unit (other rooms not shown are in similar condition).",
"HVAC system is present and operational; outdoor condenser visible is functional unless on-site inspection proves otherwise.",
"Electrical panel, GFCI outlets, and smoke/CO detectors may exist but were simply not visible in listing photos; absence will require straightforward corrections.",
"Windows pictured in living areas serve as bedroom egress or there are other compliant egress windows in bedrooms.",
"No active roof leaks or concealed water damage exist given the 2020 roof and lack of visible staining, but attic/ceiling inspection needed to confirm.",
"Fridge presence is unknown — range/oven is visible; if fridge is missing this is treated as a moderate, easy-to-fix capital item.",
"Snow in exterior photos conceals walkways, grades, and small trip hazards; these could require attention but no standing water was visible.",
"Attached garage door and interior garage condition are serviceable as suggested by photos, but opener/functionality not verified."
],
"overall_score": 73.0,
"rubric_version": "2026-02-19-v1"
},
{
"summary": "This 3-bed, 2-bath ranch/modular appears broadly rent‑ready for Section 8 after a short checklist of verifications and minor repairs. Major systems are likely sound (roof 2020, water heater 2024, visible HVAC units), interior is cosmetically maintained, and there are no visible life‑threatening failures in the photos. Primary inspection risks to confirm before leasing: presence and function of smoke/CO detectors, GFCI at kitchen/bath, a keyed deadbolt on entry, and HVAC/heating operation. Remove or mitigate the large dead limb over the roof prior to occupancy. With those items confirmed/fixed, the home should pass an initial HCV/NSPIRE inspection with minor work (1–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior and finishes are generally well maintained: carpet looks recently replaced or in good shape, walls and trim show cosmetic wallpaper/paint choices but no major damage visible. Kitchen cabinets and counters are intact; electric range present. Listing notes new tub (2024) and water heater (2024). Minor repairs likely: touch-up trim/threshold at entry, wallpaper removal or repaint, minor cabinet/finish painting. Missing refrigerator not shown in photos (reduces score moderately). No visible collapsed ceilings, exposed subflooring, or extensive water damage."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, active leaks, or exposed high‑voltage wiring). However several NSPIRE items are not visible in photos: smoke detectors and carbon monoxide alarm locations not shown; GFCI protection at kitchen sink not confirmed; deadbolt on entry door not visible (interior view shows knob and chain). Bedrooms' windows appear adequate for egress but not verified. Presence of two exterior HVAC units indicates mechanical systems but CO/combustion safety (if any fuel appliances) not confirmed. Because required alarms/GFCI/lock items are not shown, there is moderate compliance risk until confirmed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states roof replaced in 2020 and photos show a metal roof in good visual condition. Water heater replaced 2024 per listing (positive). Exterior shows at least one split-system outdoor unit (cooling) and an additional unit nearby — suggests functional HVAC. Electric range present. No visible signs of plumbing leaks, furnace failure, or major electrical damage. Electrical panel not pictured; condition assumed typical. Overall systems appear serviceable but final pass requires verification of heating operation and electrical panel condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Vinyl siding and windows look intact; attached 24x22 garage with concrete floor is a strong positive. Front deck and handrails appear in good condition. Driveway/parking and walkways mostly snow‑covered but appear serviceable. Notable concern: a large tree with a dead/decayed limb adjacent to the roofline — potential for property/roof damage and a safety hazard that should be remediated. Foundation and grading are obscured by snow so drainage and minor settling cannot be fully assessed."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Heating system (furnace or heat pump) is present and functional though not pictured — outdoor units suggest forced air or heat pump heating.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume unknown until verified.",
"GFCI protection at kitchen and bathroom outlets is not visible and therefore assumed not confirmed.",
"Electrical panel exists and is intact (not visible in photos); no visible evidence of electrical hazards.",
"No significant foundation movement or active roof leaks (listed roof replacement 2020 and no visible sagging). Snow cover obscures some exterior detail (grading, small foundation cracks, walkway condition).",
"Refrigerator is not visible in listing photos; if fridge is missing it is an easy-to-fix, capital-only item and not a safety failure."
],
"overall_score": 73.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "200 S Garrett St, Nevada, OH, 44849",
"aggregate": {
"summary": "This 3-bed, 2-bath modular ranch appears generally well maintained and likely to pass Section 8 / NSPIRE inspection after a handful of straightforward checks and minor fixes. Strengths: recent roof (2020), new water heater (2024), new tub (2024), intact siding, attached garage with concrete floor, and functional-looking HVAC condenser. Primary inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection, unknown heating/furnace visibility, and unconfirmed bedroom egress windows. With 1–4 standard items addressed (install/verify alarms, confirm heating and electrical panel condition, supply missing refrigerator if needed, minor cosmetic repairs), the property should be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 76.0,
"rationale": "Interior and exterior photos show a well-maintained modular ranch with intact siding, a usable deck and an attached garage. Interior finishes are dated (wallpaper, trim) but appear intact; carpeting shows some wear/wrinkling near seams. Kitchen has a stove but no refrigerator is visible in photos (missing fridge reduces score moderately). Listing notes new tub (2024) and water heater (2024) which reduces risk. No obvious collapsed ceilings, major drywall damage, or exposed subfloor observed. Overall mainly cosmetic and medium-effort repairs likely (paint, carpet seam repair, possible appliance replacement)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate hazards",
"score": 73.3,
"rationale": "Exterior photos show intact vinyl siding, metal roof (or updated roof), a concrete-floored garage (24x22 per listing), and a front deck in good visible condition. Yard is flat with clear walkways; driveway appears gravel but functional. Several large trees are very close to the structure which increases long-term roof/gutter/debris risk and falling-branch exposure; no immediate root/foundation distress visible. Overall the exterior and site are in good-to-good-plus condition with only moderate long-term maintenance considerations."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 63.3,
"rationale": "No visible active water intrusion, standing water, major trip hazards, or collapsed ceilings in photos. Exterior electrical meter and conduit look intact. However, smoke detectors and carbon monoxide alarms are not visible in interior photos (unable to verify placement/operation) and a deadbolt is not visible on the primary entry shown. Bedroom egress windows are not individually shown so egress compliance is unconfirmed. GFCI receptacle presence in kitchen and bathrooms not documented. Given the unknown status of required alarms and egress verification, moderate inspection risk exists that will likely require small fixes (installing/verifying detectors, CO alarms, adding deadbolt if missing, possible GFCI upgrades)."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 72.7,
"rationale": "Listing states water heater replaced in 2024 and roof replaced in 2020; photos show an outdoor A/C condenser unit, suggesting central cooling is present. These indicate relatively recent major component replacements and reduce system risk. The heating source (furnace/heat type) and electrical panel condition are not shown. No visible plumbing leaks or evidence of active roof leaks. Overall systems appear serviceable but lack of direct evidence for furnace and electrical panel prevents a higher score."
}
],
"red_flags": [],
"confidence": 0.91,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume their presence is unverified and may need installation/verification.",
"A heating system (furnace) exists but is not pictured; assume heating is present but unverified for operation or age.",
"Electrical panel and GFCI outlets are not shown; assume GFCI protection in kitchen/bath is unverified and may require upgrades.",
"A refrigerator is not visible in the provided kitchen photos; assume fridge may be missing or not pictured and plan for a moderate score impact if not provided.",
"Bedroom egress windows are not photographed; assume typical modular home-sized bedroom windows but egress compliance is unverified.",
"No interior evidence of active leaks, severe mold, structural damage, or major electrical hazards was observed; assume none present unless disclosed elsewhere."
],
"score_method": "mean_of_criteria",
"overall_score": 71.5,
"rubric_version": "ns-preset-2026-01",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3197964272"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.