Property ID: 3262151023
110 Fulton Pl, Pittsburgh, PA, 15210
Pittsburgh, PA
Money Down: $29,682
CoC Return: 60.91%
Monthly Cash Flow: $1,506
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,735
Closing Costs
$4,947
Total Down
$29,682
Investment Snapshot
Purchase Price
$123,675
Money Down
$29,682
Cash-on-Cash Return
60.91%
Rent
$2,480
Monthly Cash Flow
$1,506
Annual Cash Flow
$18,078
Debt Service / Mo
$658
Property Tax / Mo
$41
Insurance / Mo
$26
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,480
Payment Standard
$2,952
Rent
$2,480
Insurance
$26
Property Tax
$41
Management
$248
Utilities Allowance
$472
NOI (Monthly)
$2,165
Debt Service
$658
Cash Flow After Debt
$1,506
Quality Score: 62.90%
Confidence: 89.00%
Likely a moderate-risk Section 8 candidate. The property is mostly intact and many issues are cosmetic or moderate repairs (carpet, paint, ceiling tiles, cleaning). Key inspection risks are missing/undocumented smoke and CO detectors, exposed wiring in basement/utility area, sagging/stained drop ceiling tiles suggesting moisture intrusion, and incomplete verification of major systems (electrical panel, furnace/water heater). With focused remediation (electrical repairs, install/verify alarms, replace damaged ceiling tiles, clear walkways, address minor plumbing/fixture items) this property could pass an initial HCV/NSPIRE inspection within 30 days. If any active water leaks or concealed electrical defects are found, repair scope would increase.
Section 8 Payment Standard
$2,952
Utility Allowance Total
$472
Guaranteed Section 8 Rent (PS - Utilities)
$2,480
Property Management
$248
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$123,675
Beds
3
Baths
2
Living Area
1,282 sqft
Lot Size
3,202 sqft
Year Built
1930
Days on Market
249
Capital Outlay
$29,682
Debt Service
$658
Property Tax / Mo
$41
Insurance / Mo
$26
Property Description
Welcome home to this lovely 3 bed/ 2 full bath home, with a wrap around porch and finished gameroom. Just waiting for your creative flair to call it home. This home boasts a newer furnace and hot water tank, and both bathrooms updated, ensuring your comfort year-round while also providing peace of mind. Say goodbye to maintenance worries and hello to hassle-free living! Step into the backyard oasis and discover a massive man cave/she shed that promises endless possibilities! Featuring a cozy loft area and a wood-burning fireplace, this unique space is perfect for hosting friends, pursuing hobbies, or creating a tranquil retreat away from the hustle and bustle of everyday life. Whether you envision a home gym, art studio, or a cozy lounge, this versatile space is limited only by your imagination. Minutes to the city and public transportation. Schedule your tour today. Would make a great addition to an investors portfolio with similar rentals at 1600 a month.
Utility Allowances
Heating
$82
Property information specifies 'Heating Features: Gas'. Selected the 'natural_gas' option from the schedule for a 3-bedroom unit.
Cooking
$8
Property information lists 'Gas Stove' under 'Inclusions'. Selected the 'natural_gas' option from the schedule for a 3-bedroom unit.
Water Heating
$24
Property has a 'hot water tank' and a gas furnace. Inferred 'natural_gas' as the most likely fuel source. Selected the corresponding value for a 3-bedroom unit.
Air Conditioning
$17
Property information specifies 'Cooling Features: Central, Window A/C'. Applied the fixed allowance for a 3-bedroom unit.
Other Electric
$75
Standard allowance for miscellaneous tenant-paid electric usage (lights, outlets). Applied the fixed allowance for a 3-bedroom unit.
Water
$101
Property information specifies 'Water Source: Public'. Applied the fixed allowance for a 3-bedroom unit.
Sewer
$147
Property information specifies 'Sewer: Public'. Applied the fixed allowance for a 3-bedroom unit.
Refrigerator
$0
The property's inclusions list 'Refrigerator', indicating it is provided by the landlord. Therefore, the tenant allowance is $0.
Range/Microwave
$18
A 'Gas Stove' is included, but a microwave is not mentioned. This allowance is for a tenant-owned microwave, as per schedule instructions.
Trash Collection
$0
The utility schedule does not provide an allowance for trash collection for any bedroom size, indicating it is not a direct tenant expense.
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$182
DP3 Annual Estimate$441
DP1 Monthly Equivalent$15
DP3 Monthly Equivalent$37
Replacement Value$17,700
Basis1,282 sqft / 1930
Nearby Houses
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119-121 Giffin Ave
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119-121 Giffin
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109 Onyx Ave
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103 Onyx Ave
sold · 0.06 mi
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211 Giffin Ave
sold · 0.06 mi
Price: $188,000
4 bd / 2 ba · 1,861 sqft
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213 Giffin Ave
sold · 0.07 mi
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— bd / — ba
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209 Onyx St
sold · 0.07 mi
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213 Giffin Ave Unit 1
off_market · 0.07 mi
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Latest sale: —
Latest rent: —
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218 Giffin Ave Unit 2
off_market · 0.08 mi
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Latest rent: —
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119 Margaret St
for_sale · 0.08 mi
Price: $119,900
7 bd / 2 ba · 1,770 sqft
Latest sale: $120,000 on Aug 20, 2025
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125 Margaret St
for_sale · 0.09 mi
Price: $299,900
5 bd / 5 ba
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100 Onyx St
off_market · 0.09 mi
Price: $65,000
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803 Brownsville Rd
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113 Margret 15210 St Apt 2
off_market · 0.09 mi
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5 bd / 1 ba · 1,400 sqft
Latest sale: —
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208 Onyx St
sold · 0.10 mi
Price: $16,000
3 bd / 1 ba · 1,950 sqft
Latest sale: $16,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Exposed wiring / electrical hazards visible in basement/utility area
- Sagging / stained drop ceiling tiles with evidence of past or possible active water intrusion
- No visible smoke detectors or carbon monoxide alarms (undocumented life-safety devices)
Assumptions
- Listing statement that furnace and hot water tank are newer is correct; units are operational though not pictured.
- A stove is not clearly visible in photos; assume tenant-grade cooking appliance may be present or will be provided by owner (missing stove reduces condition score but is not treated as an immediate safety failure).
- No visible smoke/CO detectors in photos means they are likely missing or not properly placed; assume none are reliably installed until proven otherwise.
- Roof condition is unknown (not shown); ceiling staining is assumed to be from past roof or plumbing leaks but active roof failure is not confirmed.
- Electrical panel location and condition are unknown; visible open wiring in basement indicates at least localized electrical safety issues but full panel hazards are not assumed without imagery.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $481 | $32,500 | $14,500 |
| 2024 | $441 | $32,500 | $14,500 |
| 2023 | $412 | $32,500 | $14,500 |
| 2022 | $408 | $32,500 | $14,500 |
| 2021 | $408 | $32,500 | $14,500 |
| 2020 | $407 | $32,500 | $14,500 |
| 2019 | $407 | $32,500 | $14,500 |
| 2018 | $407 | $32,500 | $14,500 |
| 2017 | $407 | $32,500 | $14,500 |
| 2016 | $650 | $32,500 | $14,500 |
| 2015 | $650 | $32,500 | $14,500 |
| 2014 | $647 | $32,500 | $14,500 |
| 2013 | $709 | $32,500 | $14,500 |
| 2012 | $1,460 | $44,100 | $29,100 |
| 2011 | $1,416 | $44,100 | $29,100 |
| 2010 | $1,416 | $44,100 | $44,100 |
| 2009 | $1,416 | $44,100 | $44,100 |
| 2008 | $1,416 | $44,100 | $44,100 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2009-07-20 | Sold | $20,000 |
Photo Gallery
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"year_built": 1965
},
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}
},
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{
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{
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{
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{
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{
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{
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{
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{
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"assessment": {
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}
},
{
"tax": 407,
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"market": {
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"assessment": {
"land": 14500,
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},
{
"tax": 407,
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"market": {
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"assessment": {
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{
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},
{
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},
{
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{
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{
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{
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{
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},
{
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},
{
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"assessment": {
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}
},
{
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"assessment": {
"land": 10600,
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"building": 33500
}
}
],
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"list_price": 123675,
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{
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"listing": {
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"list_date": "2025-08-03T14:30:39Z",
"list_price": 123675,
"listing_id": "2984969768",
"last_update_date": "2026-02-16T13:34:08Z",
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{
"date": "2025-08-03",
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"listing": {
"status": "for_sale",
"list_date": "2025-08-03T14:30:39Z",
"list_price": 123675,
"listing_id": "2984969768",
"last_update_date": "2026-02-16T13:34:08Z",
"last_status_change_date": "2025-08-03T14:30:39Z"
},
"event_name": "Listed",
"price_sqft": 108.17082683307332,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1714353",
"price_change_percentage": "+477.81%"
},
{
"date": "1987-10-29",
"price": 24000,
"listing": null,
"event_name": "Sold",
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"price_change_percentage": null
}
],
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}
},
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},
"property_id": "3262151023",
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"reason": "disabled",
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},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 62.9
},
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"loan_amount": 98940.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/110-Fulton-Pl_Pittsburgh_PA_15210_M32621-51023",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 123675.0,
"loan_term_years": 30,
"annual_cash_flow": 25977.07,
"mortgage_monthly": 658.25,
"payment_standard": 2952.0,
"total_amount_out": 24735.0,
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],
"down_payment_rate": 0.2,
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"monthly_cash_flow": 2164.76,
"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 information specifies 'Heating Features: Gas'. Selected the 'natural_gas' option from the schedule for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 82
},
{
"note": "Property information lists 'Gas Stove' under 'Inclusions'. Selected the 'natural_gas' option from the schedule for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 8
},
{
"note": "Property has a 'hot water tank' and a gas furnace. Inferred 'natural_gas' as the most likely fuel source. Selected the corresponding value for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 24
},
{
"note": "Property information specifies 'Cooling Features: Central, Window A/C'. Applied the fixed allowance for a 3-bedroom unit.",
"utility": "Air Conditioning",
"allowance": 17
},
{
"note": "Standard allowance for miscellaneous tenant-paid electric usage (lights, outlets). Applied the fixed allowance for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 75
},
{
"note": "Property information specifies 'Water Source: Public'. Applied the fixed allowance for a 3-bedroom unit.",
"utility": "Water",
"allowance": 101
},
{
"note": "Property information specifies 'Sewer: Public'. Applied the fixed allowance for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 147
},
{
"note": "The property's inclusions list 'Refrigerator', indicating it is provided by the landlord. Therefore, the tenant allowance is $0.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A 'Gas Stove' is included, but a microwave is not mentioned. This allowance is for a tenant-owned microwave, as per schedule instructions.",
"utility": "Range/Microwave",
"allowance": 18
},
{
"note": "The utility schedule does not provide an allowance for trash collection for any bedroom size, indicating it is not a direct tenant expense.",
"utility": "Trash Collection",
"allowance": 0
}
],
"cash_on_cash_return": 1.05,
"down_payment_amount": 24735.0,
"property_tax_annual": 495.43,
"property_tax_monthly": 41.29,
"property_tax_increase": 0.03,
"utility_allowance_total": 472.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"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/"
],
"effective_date": "2026-01-01"
},
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"annual_cash_flow_after_debt": 18078.07,
"property_management_monthly": 248.0,
"monthly_cash_flow_after_debt": 1506.51,
"cash_on_cash_return_after_debt": 0.73
},
"section8_assessment": {
"runs": [
{
"summary": "Likely a moderate-risk Section 8 candidate. The property is mostly intact and many issues are cosmetic or moderate repairs (carpet, paint, ceiling tiles, cleaning). Key inspection risks are missing/undocumented smoke and CO detectors, exposed wiring in basement/utility area, sagging/stained drop ceiling tiles suggesting moisture intrusion, and incomplete verification of major systems (electrical panel, furnace/water heater). With focused remediation (electrical repairs, install/verify alarms, replace damaged ceiling tiles, clear walkways, address minor plumbing/fixture items) this property could pass an initial HCV/NSPIRE inspection within 30 days. If any active water leaks or concealed electrical defects are found, repair scope would increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 65.0,
"rationale": "Interior shows lived-in wear but generally intact: carpets stained/worn, scuffed/patchy painted walls, mismatched ceiling tiles, cluttered rooms. Kitchen appears serviceable with cabinets and a refrigerator present; stove not clearly pictured (reduces score moderately). Bathrooms have been updated per listing and photos show functioning fixtures though one tub/shower enclosure looks makeshift. Basement finished with carpet tiles but low ceiling and cosmetic finishes. Most issues are cosmetic or minor repairs (cleaning, carpet replacement, ceiling tile replacement, paint, outlet covers, install missing appliances if needed) and can be corrected quickly. No widespread collapsed finishes visible."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several inspection-risk items visible or not verifiable: no smoke detectors or CO alarms visible in photos, exposed wiring and loose cabling in basement/utility area, multiple sagging/stained drop ceiling tiles (possible past/active water intrusion), single exposed bulb in basement, and some missing outlet/cover plates visible. Porch and front steps have a railing but vegetation encroaches on walk path (trip hazard). Bedroom egress windows appear present but not verified to meet size/egress code. GFCI protection in kitchen and bathrooms not visible. These are moderate to serious NSPIRE issues; many are fixable but will likely trigger inspector attention."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 60.0,
"rationale": "Listing states newer furnace and hot water tank; laundry machines present and dryer venting visible in basement. No furnace or water heater images to verify condition. Electrical panel not shown. Ceiling stains and damaged tiles suggest prior moisture that could affect HVAC/ducting or roof but there is no clear evidence of major roof failure. Plumbing fixtures and hot water presence appear likely (updated bathrooms). Overall systems appear functional but not fully documented; verification/inspection recommended (HVAC combustion venting, electrical panel condition, water heater)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior brick and porch appear intact; front steps and handrail present. Vegetation is overgrown and should be cleared. No visible major foundation cracks or roof collapse in photos, but roof is not shown closely. Backyard structure (man cave/she shed) mentioned but not photographed; wood-burning fireplace in outbuilding could require H&S/vent verification. Walkway has some wear but no collapsed sections visible. Overall exterior is functional with moderate maintenance required."
}
],
"red_flags": [
"Exposed wiring / electrical hazards visible in basement/utility area",
"Sagging / stained drop ceiling tiles with evidence of past or possible active water intrusion",
"No visible smoke detectors or carbon monoxide alarms (undocumented life-safety devices)"
],
"confidence": 0.7,
"assumptions": [
"Listing statement that furnace and hot water tank are newer is correct; units are operational though not pictured.",
"A stove is not clearly visible in photos; assume tenant-grade cooking appliance may be present or will be provided by owner (missing stove reduces condition score but is not treated as an immediate safety failure).",
"No visible smoke/CO detectors in photos means they are likely missing or not properly placed; assume none are reliably installed until proven otherwise.",
"Roof condition is unknown (not shown); ceiling staining is assumed to be from past roof or plumbing leaks but active roof failure is not confirmed.",
"Electrical panel location and condition are unknown; visible open wiring in basement indicates at least localized electrical safety issues but full panel hazards are not assumed without imagery."
],
"overall_score": 62.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed, 2-bath single-family appears generally rentable with mostly cosmetic and moderate repairs needed. Key positives: updated bathrooms and seller-reported newer furnace and hot water tank, functioning laundry, intact kitchen and basement usable. Primary inspection risks are exposed wiring in the basement, ceiling water damage/staining, and no visible smoke/CO alarms — these must be corrected before an initial HCV/NSPIRE inspection. Expect to be rent-ready within 2–6 weeks if electrical and alarm issues are addressed and the property is cleaned and minor repairs completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows moderate deferred maintenance and clutter: worn carpeting, patched/unfinished drywall, drop ceiling tiles (some stained/uneven), cosmetic wall damage, and scattered personal items. Kitchen appears mostly intact (cabinets, counters, tile floor) and refrigerator is present; a stove is not clearly visible in photos which reduces score moderately. Bathrooms appear updated but one ceiling shows peeling which suggests prior water damage that needs repair. Overall repairs are primarily cosmetic and moderate — likely days-to-weeks of work (cleaning, paint, ceiling patch, carpet/flooring touch-ups, finish closet doors) rather than major structural rehab."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 60.0,
"rationale": "Several safety compliance items are not visible or are potential issues: no visible smoke detectors or CO alarms in photos, exposed/bare light bulb and visible wiring in basement area indicating electrical hazard, drop ceilings with staining and peeling (evidence of past or current water intrusion), and window AC units used for cooling which is acceptable but should have secure installation. Handrail present on the approach steps but exterior vegetation and uneven step surfaces could be trip hazards. GFCI presence in kitchen/bath not evident. Plumbing fixtures and toilets appear functional in photos. Overall there are a few inspection-risk items (electrical hazard, missing/undocumented alarms, ceiling water damage) that should be remedied prior to an initial HCV inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 70.0,
"rationale": "Listing states 'newer furnace and hot water tank' and the basement shows a laundry area and utility sink; washer/dryer present. Photos show ducting in basement and a functioning water heater likely present (not pictured directly). Electrical panel condition is not shown; exposed wiring in basement reduces score. Roof condition cannot be verified from photos but exterior porch roof and brick facade look intact. No evidence of no heat/hot water in listing; therefore mechanical systems are likely operational but some electrical work and verification of panel, GFCI and proper venting/chimney (for wood-burning structure on site) are advised."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick exterior and wrap-around porch appear structurally intact; steps and concrete walk show cracking and some unevenness and paint/rail peeling. Vegetation is overgrown and will need clean-up. Yard and outbuilding (man cave/she-shed) appear usable; no visible standing water or extensive foundation cracking in provided photos. Porch columns and railings need cosmetic attention. Overall site is functional but needs basic exterior maintenance and landscaping."
}
],
"red_flags": [
"Exposed wiring/electrical hazard visible in basement (requires correction)",
"Ceiling water damage/peeling in at least one interior location (evidence of water intrusion)",
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE requirement)",
"Uneven/cracked front steps and overgrown approach creating trip hazard"
],
"confidence": 0.7,
"assumptions": [
"Seller's statement that furnace and hot water tank are newer is accurate and units are operational.",
"No active roof failure or large-scale foundation movement exists beyond what is visible in photos.",
"Stove/oven presence is uncertain — refrigerator is present; a missing stove would be a moderate, fixable item.",
"Smoke and CO detectors are not present or not visible in photos; they would be required for inspection.",
"Electrical panel condition and GFCI protection locations are not shown and assumed unknown; exposed/bare wiring in basement indicates localized electrical hazards.",
"No visible active standing water or major mold growth in provided photos; staining and peeling indicate prior water intrusion that needs evaluation.",
"Basement windows are small; no bedrooms appear to be in the basement (egress for sleeping rooms assumed compliant)."
],
"overall_score": 66.0,
"rubric_version": "2026-02-24_v1"
},
{
"summary": "This single-family property appears habitable with mostly cosmetic issues and some moderate safety concerns. Mechanical systems are likely present (seller states newer furnace and hot water tank) and laundry appliances are installed. Key inspection risks that could cause an initial NSPIRE failure are evidence of ceiling water damage (possible active leak), exposed wiring/open fixtures in the basement/laundry, and lack of visible smoke/CO detectors. With targeted repairs (address water intrusion, repair/cover electrical, install/verify detectors, replace/clean flooring, general cleanup), the property is likely to pass a Housing Choice Voucher initial inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 65.0,
"rationale": "Interior shows lived-in condition with worn carpeting, patched walls, clutter and cosmetic damage. Two bathrooms appear updated but there is at least one area of peeling ceiling paint and stained ceiling tiles. Kitchen cabinets and finishes are older but intact; major appliances (washer/dryer and refrigerator visible) are present though stove is not clearly pictured. Basement finished areas use loose carpet tiles. Overall mostly cosmetic and medium-scope repairs (deep cleaning, carpet replacement/repair, ceiling patch/paint, light fixture/outlet covers) — no obvious large-scale structural failure visible in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "Photos show some safety concerns: peeling/stained ceiling in at least one bathroom indicating prior or current water intrusion; exposed single bare bulb and visible wiring in basement/laundry area; no smoke or CO detectors visible in the living areas/photos. Window AC units are present in bedrooms (works for cooling but check outlet/GFCI). Handrails exist on the front steps but vegetation and trip hazards (thresholds at shower) are visible. GFCI presence at kitchens/baths not verifiable from photos. These issues create a moderate risk of an initial NSPIRE inspection failure until addressed."
},
{
"key": "systems_mechanical",
"label": "Major systems: heating, plumbing, electrical, roof, water heater",
"score": 60.0,
"rationale": "Listing states newer furnace and hot water tank (not photographed) and laundry appliances and utility sink appear present and connected. No active standing water or collapsed ceilings are shown, but ceiling staining suggests previous water intrusion that could affect roof or plumbing. Electrical panel condition not shown; visible wiring in basement/laundry needs tidy/covering. HVAC appears to be central heating (furnace claimed) but AC is by window units. Overall mechanical systems appear present but require verification (operation, electrical covers, GFCI, confirm furnace/HW install)."
},
{
"key": "exterior_site",
"label": "Exterior condition and site safety",
"score": 70.0,
"rationale": "Exterior brick and porch appear generally intact. Front walk and railing are present though vegetation is overgrown and the porch columns/paint show wear. No visible major foundation cracks, collapsed porches, or standing water in photos. Yard and walkways need cleanup and vegetation trimming to reduce trip/hide hazards. Detached outbuilding ('man cave') noted in description not pictured in detail; wood-burning fireplace in outbuilding may require separate inspection."
}
],
"red_flags": [
"Evidence of ceiling water damage/peeling paint in bathroom — possible active leak requiring repair and verification.",
"Exposed wiring/open electrical areas and bare bulb in basement/laundry — potential electrical hazard that must be corrected before inspection."
],
"confidence": 0.6,
"assumptions": [
"Seller-provided statement that furnace and hot water tank are newer is true though not photographed.",
"Absence of visible smoke/CO detectors in photos means they are likely not installed or not in photographed areas; inspectors will expect functioning detectors in required locations.",
"No major roof failure or foundation movement exists beyond what is visible in the photos (no collapse or large sagging observed).",
"Stove/range is either present but not pictured or will be supplied; missing stove would be a moderate issue but not an automatic safety failure.",
"Electrical panel location and condition are not shown; assume service is functional but some exposed wiring/junctions in basement need remediation."
],
"overall_score": 61.0,
"rubric_version": "2026-02-24-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "110 Fulton Pl, Pittsburgh, PA, 15210",
"aggregate": {
"summary": "Likely a moderate-risk Section 8 candidate. The property is mostly intact and many issues are cosmetic or moderate repairs (carpet, paint, ceiling tiles, cleaning). Key inspection risks are missing/undocumented smoke and CO detectors, exposed wiring in basement/utility area, sagging/stained drop ceiling tiles suggesting moisture intrusion, and incomplete verification of major systems (electrical panel, furnace/water heater). With focused remediation (electrical repairs, install/verify alarms, replace damaged ceiling tiles, clear walkways, address minor plumbing/fixture items) this property could pass an initial HCV/NSPIRE inspection within 30 days. If any active water leaks or concealed electrical defects are found, repair scope would increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 65.0,
"rationale": "Interior shows lived-in wear but generally intact: carpets stained/worn, scuffed/patchy painted walls, mismatched ceiling tiles, cluttered rooms. Kitchen appears serviceable with cabinets and a refrigerator present; stove not clearly pictured (reduces score moderately). Bathrooms have been updated per listing and photos show functioning fixtures though one tub/shower enclosure looks makeshift. Basement finished with carpet tiles but low ceiling and cosmetic finishes. Most issues are cosmetic or minor repairs (cleaning, carpet replacement, ceiling tile replacement, paint, outlet covers, install missing appliances if needed) and can be corrected quickly. No widespread collapsed finishes visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior brick and porch appear intact; front steps and handrail present. Vegetation is overgrown and should be cleared. No visible major foundation cracks or roof collapse in photos, but roof is not shown closely. Backyard structure (man cave/she shed) mentioned but not photographed; wood-burning fireplace in outbuilding could require H&S/vent verification. Walkway has some wear but no collapsed sections visible. Overall exterior is functional with moderate maintenance required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several inspection-risk items visible or not verifiable: no smoke detectors or CO alarms visible in photos, exposed wiring and loose cabling in basement/utility area, multiple sagging/stained drop ceiling tiles (possible past/active water intrusion), single exposed bulb in basement, and some missing outlet/cover plates visible. Porch and front steps have a railing but vegetation encroaches on walk path (trip hazard). Bedroom egress windows appear present but not verified to meet size/egress code. GFCI protection in kitchen and bathrooms not visible. These are moderate to serious NSPIRE issues; many are fixable but will likely trigger inspector attention."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 63.3,
"rationale": "Listing states newer furnace and hot water tank; laundry machines present and dryer venting visible in basement. No furnace or water heater images to verify condition. Electrical panel not shown. Ceiling stains and damaged tiles suggest prior moisture that could affect HVAC/ducting or roof but there is no clear evidence of major roof failure. Plumbing fixtures and hot water presence appear likely (updated bathrooms). Overall systems appear functional but not fully documented; verification/inspection recommended (HVAC combustion venting, electrical panel condition, water heater)."
}
],
"red_flags": [
"Exposed wiring / electrical hazards visible in basement/utility area",
"Sagging / stained drop ceiling tiles with evidence of past or possible active water intrusion",
"No visible smoke detectors or carbon monoxide alarms (undocumented life-safety devices)"
],
"confidence": 0.89,
"assumptions": [
"Listing statement that furnace and hot water tank are newer is correct; units are operational though not pictured.",
"A stove is not clearly visible in photos; assume tenant-grade cooking appliance may be present or will be provided by owner (missing stove reduces condition score but is not treated as an immediate safety failure).",
"No visible smoke/CO detectors in photos means they are likely missing or not properly placed; assume none are reliably installed until proven otherwise.",
"Roof condition is unknown (not shown); ceiling staining is assumed to be from past roof or plumbing leaks but active roof failure is not confirmed.",
"Electrical panel location and condition are unknown; visible open wiring in basement indicates at least localized electrical safety issues but full panel hazards are not assumed without imagery."
],
"score_method": "mean_of_criteria",
"overall_score": 62.9,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3262151023"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.