Property ID: 3205009554
3326 Spring Garden Rd, Pittsburgh, PA, 15212
Pittsburgh, PA
Money Down: $23,760
CoC Return: 40.63%
Monthly Cash Flow: $804
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,800
Closing Costs
$3,960
Total Down
$23,760
Investment Snapshot
Purchase Price
$99,000
Money Down
$23,760
Cash-on-Cash Return
40.63%
Rent
$1,634
Monthly Cash Flow
$804
Annual Cash Flow
$9,653
Debt Service / Mo
$527
Property Tax / Mo
$118
Insurance / Mo
$22
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,634
Payment Standard
$1,914
Rent
$1,634
Insurance
$22
Property Tax
$118
Management
$163
Utilities Allowance
$280
NOI (Monthly)
$1,331
Debt Service
$527
Cash Flow After Debt
$804
Quality Score: 64.30%
Confidence: 95.00%
Overall the property looks recently renovated cosmetically and could be made HCV/NSPIRE-ready with a short list of verifications and minor fixes. Primary actions likely required before inspection: install/verify charged smoke detectors and CO alarms in required locations, confirm egress compliance for the upper loft/bedroom (or classify it as non-bedroom), verify heating and hot water systems are present and operational, install or confirm GFCI protection in kitchen/bath, and add required appliances (stove/refrigerator) or disclose. Exterior driveway/grading improvements recommended but not inspection-critical unless causing water intrusion. With these items addressed the unit is likely to pass initial HCV inspection within ~30 days.
Section 8 Payment Standard
$1,914
Utility Allowance Total
$280
Guaranteed Section 8 Rent (PS - Utilities)
$1,634
Property Management
$163
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$99,000
Beds
1
Baths
1
Living Area
696 sqft
Lot Size
5,001 sqft
Year Built
1900
Days on Market
107
Capital Outlay
$23,760
Debt Service
$527
Property Tax / Mo
$118
Insurance / Mo
$22
Property Description
Beautiful renovated cozy home with an extra room that can be used as a office or as a small bedroom
Utility Allowances
Heating
$66
Property information specifies 'Gas' heating. Selected 'natural_gas' option from the schedule.
Cooking
$4
Fuel type not specified. Inferred 'natural_gas' as it is consistent with the property's gas heating system.
Water Heating
$12
Fuel type not specified. Inferred 'natural_gas' as it is consistent with the property's gas heating system.
Air Conditioning
$5
Property information indicates the presence of a cooling system ('Cooling: Other').
Water
$46
Property information specifies 'Public' water source.
Sewer
$68
Property information specifies 'Public' sewer.
Other Electric
$42
Standard allowance for general electric usage (lights, outlets, etc.) for an occupied dwelling.
Refrigerator
$19
Refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned.
Range/Microwave
$18
Microwave is not listed as a provided appliance, so it is assumed to be tenant-owned.
Trash Collection
$0
No allowance value is provided in the utility schedule for this ZIP code and property type.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
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
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$174
DP3 Annual Estimate$348
DP1 Monthly Equivalent$14
DP3 Monthly Equivalent$29
Replacement Value$14,900
Basis696 sqft / 1900
Nearby Houses
Photo unavailable
3320 Spring Garden Rd
sold · 0.01 mi
Price: $81,000
2 bd / 1 ba
Latest sale: $81,000 on May 07, 2021
Latest rent: —
Photo unavailable
3322 Spring Garden Rd
sold · 0.02 mi
Price: $70,000
4 bd / 2 ba · 1,840 sqft
Latest sale: $70,000 on Nov 30, 2021
Latest rent: $1,000 on Oct 15, 2014
Photo unavailable
3318 Spring Garden Rd
for_sale · 0.02 mi
Price: $199,900
2 bd / 2 ba · 1,346 sqft
Latest sale: $100,000
Latest rent: —
Photo unavailable
3356 Spring Garden Rd
sold · 0.07 mi
Price: $149,000
2 bd / 1 ba · 988 sqft
Latest sale: $149,000 on Nov 10, 2021
Latest rent: —
Photo unavailable
3362 Spring Garden Rd
sold · 0.08 mi
Price: $20,000
2 bd / 1 ba · 1,127 sqft
Latest sale: $20,000 on Mar 04, 2020
Latest rent: —
Photo unavailable
3364 Spring Garden Rd
sold · 0.09 mi
Price: $163,000
2 bd / 2 ba · 990 sqft
Latest sale: $163,000 on Mar 22, 2024
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Potential inadequate egress for upper-level sleeping rooms (small dormer windows) - risk of NSPIRE failure if used as a bedroom.
- No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE/HCV mandatory).
- No visible heating equipment or water heater shown in photos (must verify functional heating for inspection).
Assumptions
- The renovated interior photos are current and representative of overall unit condition.
- Central heating/forced-air system and water heater exist but are located in an unpictured area (basement/utility closet); their operational status is unknown.
- Electrical panel and service are present and intact but not shown in photos.
- No active roof leaks or hidden structural failures exist because no staining or sagging is visible in interior photos.
- Upper loft/attic space is presently being marketed as a small bedroom/office; bedroom egress compliance is uncertain from window photos.
- Appliances (stove and refrigerator) are not present in the kitchen photos and would need to be provided/installed before move-in unless the voucher/owner arrangement allows tenant-supplied appliances.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,369 | $34,900 | $34,900 |
| 2024 | $589 | $34,900 | $16,900 |
| 2023 | $570 | $34,900 | $16,900 |
| 2022 | $570 | $34,900 | $16,900 |
| 2021 | $570 | $34,900 | $16,900 |
| 2020 | $570 | $34,900 | $16,900 |
| 2019 | $570 | $34,900 | $16,900 |
| 2018 | $548 | $34,900 | $16,900 |
| 2017 | $536 | $34,900 | $16,900 |
| 2016 | $596 | $34,900 | $16,900 |
| 2015 | $596 | $34,900 | $16,900 |
| 2014 | $586 | $34,900 | $16,900 |
| 2013 | $669 | $34,900 | $16,900 |
| 2012 | $1,323 | $36,200 | $21,200 |
| 2011 | $1,287 | $36,200 | $21,200 |
| 2010 | $1,216 | $36,200 | $21,200 |
| 2009 | $707 | $36,200 | $21,200 |
| 2008 | $707 | $36,200 | $21,200 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2000-05-12 | Sold | $22,000 |
Photo Gallery
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"assumptions": [
"The renovated interior photos are current and representative of overall unit condition.",
"Central heating/forced-air system and water heater exist but are located in an unpictured area (basement/utility closet); their operational status is unknown.",
"Electrical panel and service are present and intact but not shown in photos.",
"No active roof leaks or hidden structural failures exist because no staining or sagging is visible in interior photos.",
"Upper loft/attic space is presently being marketed as a small bedroom/office; bedroom egress compliance is uncertain from window photos.",
"Appliances (stove and refrigerator) are not present in the kitchen photos and would need to be provided/installed before move-in unless the voucher/owner arrangement allows tenant-supplied appliances."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "The property appears mostly renovated cosmetically and would likely require only minor to moderate corrections to pass an HCV/NSPIRE initial inspection — estimated overall readiness: likely rent-ready with 1–4 weeks of targeted fixes. Primary inspection risks: unverified/absent smoke and CO detectors, questionable egress for the upper sloped rooms if they are used as bedrooms, missing kitchen appliances (stove/fridge), and lack of photographic evidence of mechanical systems (heating, water heater, electrical panel). Exterior driveway/site and drainage need attention but are not immediate blockers.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior appears recently renovated: new-looking vinyl flooring, painted walls, updated bathroom and kitchen cabinets/countertops. Minor finish defects visible (cabinet base/gap under kitchen counter, trim touch-ups). Major missing items: no stove or refrigerator visible in kitchen (space open). Attic/upper room has low sloped ceilings reducing usable area. Overall mostly cosmetic and finish repairs; missing appliances and some trim/fit-and-finish reduce score moderately."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several potential NSPIRE risks visible/uncertain: no smoke detectors or CO alarms are visible in photos (required). Upper-level rooms have very low sloped ceilings and small windows — egress adequacy for a legal bedroom is questionable (could be a fail if used as a sleeping room). Stairs have a handrail but are narrow; porch has railing. No exposed wiring or obvious electrical hazards seen. GFCI protection at kitchen counter not visible; bathroom appears updated but fan/venting not visible. These unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "No mechanicals (furnace, water heater, electrical panel) are photographed. Visible floor/room vents indicate a forced-air system may exist but not confirmed. Plumbing fixtures, tub, toilet and sink are present and look recent. Roof and attic structure are not fully shown but no sagging or active leaks visible in interior photos. Because critical systems are not documented, assume operable but unverified — moderate risk until verified."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 65.0,
"rationale": "Front porch and siding appear intact and recently painted. Porch has railing and lattice skirting. Driveway/approach is uneven brick/concrete and may create trip hazards; site slopes down alongside house which could cause drainage concerns if not addressed. No visible foundation cracking or major siding failure in provided photo, but yard/site finish is rough and needs attention."
}
],
"red_flags": [
"no_visible_heating_system_in_photos",
"potential_egress_window_non-compliance_for_upper_rooms",
"missing_kitchen_appliances (stove/refrigerator)",
"possible_trip_hazard_from uneven_brick_driveway/approach",
"no_visible_smoke_or_co_detectors_in_photos"
],
"confidence": 0.6,
"assumptions": [
"Heating system exists (floor/room vents visible) but furnace/boiler and water heater were not photographed; assumed functional until proven otherwise.",
"Smoke detectors and carbon monoxide alarms are not present in photographed rooms; assume they may be missing or not in required locations.",
"Electrical panel and appliance hook-ups are present but not shown; no visible exposed wiring in photos.",
"Upper-level rooms with sloped ceilings may be marketed as 'extra room' or small bedroom; assumed they may not meet egress/ceiling-height requirements for a legal bedroom without verification.",
"No active roof leaks or major structural sagging are present based on interior ceiling photos (no stains or collapse) and exterior view.",
"Bathroom has a working toilet, sink and tub/shower based on photos, but exhaust fan and hot water availability are unverified.",
"Missing kitchen range and refrigerator (no appliances visible) — these are assumed to be absent and would need to be provided before move-in."
],
"overall_score": 63.0,
"rubric_version": "ns-pgh-v1.0"
},
{
"summary": "This appears to be a mostly renovated small single-family home with good cosmetic condition and functioning fixtures visible. Key inspection risks that could prevent a Section 8 / HCV initial pass: (1) upper-level rooms may not have compliant egress windows for bedrooms, (2) no visible smoke and carbon monoxide detectors shown in photos, and (3) lack of documented mechanical equipment (furnace, water heater, electrical panel) and missing kitchen appliances. If egress is confirmed acceptable, detectors are installed, and mechanical systems are verified operational, the property is likely to pass after minor corrections (appliance installation, GFCI verification, smoke/CO installation, driveway trip-hazard mitigation). Estimated readiness timeline: 2–6 weeks to correct the likely minor items and provide documentation; if egress windows fail as bedrooms, more substantial remediation could be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears recently renovated: new-looking vinyl plank floors, painted walls, updated kitchen cabinets/counters and bathroom fixtures. Cosmetic wear at cabinet bases and minor finish defects visible. Several basic items not shown or missing in photos (no stove/fridge visible) which reduces turnkey readiness but are easy-to-fix. Overall surface-level condition is good; mostly cosmetic and minor finish repairs expected."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 55.0,
"rationale": "No visible smoke or CO detectors in the photos, which is a common automatic fail if absent. Upper-level rooms have small windows and low sloped ceilings; the egress windows may not meet NSPIRE/egress opening size for a legal bedroom — this is an inspection risk for any sleeping room upstairs. Stairs have a handrail on one side (meets minimum in many jurisdictions) but the stair runner and narrow treads could be a trip concern. No exposed wiring or obvious electrical hazards visible. GFCI presence at kitchen and bathroom counter outlets not clearly verifiable from photos."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 60.0,
"rationale": "Floor vents and ceiling registers visible indicate forced air HVAC distribution is present, suggesting heating system exists, but no furnace/boiler or water heater photo was provided to confirm operational condition. Kitchen and bathroom plumbing fixtures appear installed and in good cosmetic condition; hot water availability not verified. Electrical panel and service condition are not shown. Roof appears intact in exterior photo with no visible sagging or active leaks. Overall systems likely functional but not fully documented; moderate inspection risk until mechanicals are confirmed operational."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 65.0,
"rationale": "Exterior siding and paint look in reasonable condition; foundation is painted and shows no obvious large cracks in photos. Front porch and decorative railing appear intact but the height / guard detail is not fully verifiable. Driveway and approach use old brick and pavers and are uneven — a trip hazard and may require leveling. Property sits on a slope which could create drainage concerns if not managed, but no standing water or obvious major grading failures are visible."
}
],
"red_flags": [
"Potential non-compliant bedroom egress for upper-level rooms (windows appear small and may not meet minimum clear opening requirements).",
"No visible smoke detectors or CO alarms shown in photos (inspectors will check and require them if absent).",
"Uneven brick/paver driveway and approach creating trip hazards."
],
"confidence": 0.65,
"assumptions": [
"Photos are representative of the whole property and recent (no hidden damage outside frame).",
"Forced-air heating is present based on visible floor/ceiling vents; furnace/boiler exists but was not photographed.",
"No smoke or carbon monoxide detectors are installed because none are visible in the supplied photos.",
"Electrical panel, water heater and HVAC equipment are present but were not shown; their age/condition is unknown.",
"Stair handrail is assumed attached and structurally sound (single-side handrail present in photos).",
"Kitchen major appliances (stove, refrigerator) are not present in photos and should be considered missing/unverified."
],
"overall_score": 65.0,
"rubric_version": "ns_pgh_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3326 Spring Garden Rd, Pittsburgh, PA, 15212",
"aggregate": {
"summary": "Overall the property looks recently renovated cosmetically and could be made HCV/NSPIRE-ready with a short list of verifications and minor fixes. Primary actions likely required before inspection: install/verify charged smoke detectors and CO alarms in required locations, confirm egress compliance for the upper loft/bedroom (or classify it as non-bedroom), verify heating and hot water systems are present and operational, install or confirm GFCI protection in kitchen/bath, and add required appliances (stove/refrigerator) or disclose. Exterior driveway/grading improvements recommended but not inspection-critical unless causing water intrusion. With these items addressed the unit is likely to pass initial HCV inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Photos show a recent cosmetic renovation: new-looking flooring, painted walls, renovated bathroom and kitchen cabinets/countertops. Minor visible defects: cabinet base trim damage near appliance space, missing appliances (stove/fridge), uneven driveway/brick apron and some exterior finish touch-ups likely required. Overall appears cosmetically sound and mostly turnkey aside from appliance installation and minor exterior/site repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 66.7,
"rationale": "Exterior siding and roof appear intact from the provided front view; porch and decorative skirt are in place. Driveway and brick apron are uneven/missing portions and the lot slopes toward the side which could present drainage concerns. No visible major foundation cracks or standing water in photos. Overall exterior is functional but needs grading/driveway work and confirmation of roof flashing/drainage."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "No obvious exposed wiring, slip/trip hazards appear limited, stair has a handrail, bathroom and kitchen fixtures installed. However, no smoke detectors or CO alarms are visible in photos, GFCI protection locations are not clearly identified, and the upper sleeping/loft spaces have low-sloped ceilings and relatively small windows that may not meet egress requirements for a legal bedroom. These items create moderate inspection risk until verified/corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing)",
"score": 60.0,
"rationale": "Floor vents and supply registers are visible indicating forced-air HVAC or ducting present; plumbing fixtures and a functioning sink/toilet/tub appear installed. Water heater, furnace/boiler and electrical panel are not shown; absence from photos prevents full verification. No interior staining or water damage visible to suggest active leaks. Systems likely present but need verification (operation, safety, age)."
}
],
"red_flags": [
"Potential inadequate egress for upper-level sleeping rooms (small dormer windows) - risk of NSPIRE failure if used as a bedroom.",
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE/HCV mandatory).",
"No visible heating equipment or water heater shown in photos (must verify functional heating for inspection)."
],
"confidence": 0.95,
"assumptions": [
"The renovated interior photos are current and representative of overall unit condition.",
"Central heating/forced-air system and water heater exist but are located in an unpictured area (basement/utility closet); their operational status is unknown.",
"Electrical panel and service are present and intact but not shown in photos.",
"No active roof leaks or hidden structural failures exist because no staining or sagging is visible in interior photos.",
"Upper loft/attic space is presently being marketed as a small bedroom/office; bedroom egress compliance is uncertain from window photos.",
"Appliances (stove and refrigerator) are not present in the kitchen photos and would need to be provided/installed before move-in unless the voucher/owner arrangement allows tenant-supplied appliances."
],
"score_method": "mean_of_criteria",
"overall_score": 64.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3205009554"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.