Property ID: 3322872069
432 E Bigelow St, Upper Sandusky, OH, 43351
Upper Sandusky, OH
Money Down: $41,280
CoC Return: -3.40%
Monthly Cash Flow: $-117
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$34,400
Closing Costs
$6,880
Total Down
$41,280
Investment Snapshot
Purchase Price
$172,000
Money Down
$41,280
Cash-on-Cash Return
-3.40%
Rent
$1,107
Monthly Cash Flow
$-117
Annual Cash Flow
$-1,404
Debt Service / Mo
$915
Property Tax / Mo
$138
Insurance / Mo
$60
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,107
Payment Standard
$1,422
Rent
$1,107
Insurance
$60
Property Tax
$138
Management
$111
Utilities Allowance
$315
NOI (Monthly)
$798
Debt Service
$915
Cash Flow After Debt
$-117
Quality Score: 63.60%
Confidence: 95.00%
This 4BR/1BA 1930 single-family house is generally habitable and would likely pass Section 8 / HCV initial inspection after a short punch-list: install/verify smoke and CO alarms, confirm/repair heating system venting and operation, add required GFCI protection in kitchen/bath as needed, replace missing outlet covers, address localized exterior siding/trim rot and garage roof corrosion, and ensure egress windows meet requirements. Major structural failures are not evident from photos, but mechanical equipment appears aged and should be verified on-site.
Section 8 Payment Standard
$1,422
Utility Allowance Total
$315
Guaranteed Section 8 Rent (PS - Utilities)
$1,107
Property Management
$111
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$172,000
Beds
4
Baths
1
Living Area
1,912 sqft
Lot Size
10,367 sqft
Year Built
1930
Days on Market
92
Capital Outlay
$41,280
Debt Service
$915
Property Tax / Mo
$138
Insurance / Mo
$60
Property Description
This four-bedroom, one-bathroom home sits on a nicely sized lot with a large backyard. It features an oversized two-car detached garage, off-street parking and an asphalt driveway. Conveniently located close to East School.
Utility Allowances
Heating (Natural Gas)
$95
Property information specifies 'Natural Gas' for heating. The allowance is based on the 4-bedroom rate for a single-family detached home.
Cooking (Electric)
$17
Property information specifies an 'Electric Range'. The allowance is based on the 4-bedroom rate for electric cooking.
Water Heating (Natural Gas)
$42
Water heater fuel type was not specified. Natural gas was chosen as it is consistent with the home's heating fuel. The allowance is based on the 4-bedroom rate.
Other Electric
$50
This is a standard baseline allowance for general electricity usage (lights, outlets) for a 4-bedroom home.
Water
$40
Property information indicates the property is connected to 'Public' water. The allowance is based on the 4-bedroom rate.
Sewer
$46
Property information indicates the property is connected to 'Public Sewer'. The allowance is based on the 4-bedroom rate.
Trash Collection
$25
Trash collection is a standard utility for a single-family home. The allowance is a fixed rate based on the schedule.
Air Conditioning
$0
The property includes 'Central Air', but the provided utility schedule does not specify an allowance for this utility.
Refrigerator
$0
The property information explicitly lists a refrigerator as a provided appliance. Therefore, there is no allowance for a tenant-owned refrigerator.
Range
$0
The property information explicitly lists an electric range as a provided appliance. There is no tenant allowance for the appliance itself; energy costs are covered under 'Cooking'.
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$702
DP3 Annual Estimate$734
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$61
Replacement Value$138,950
Basis1,912 sqft / 1930
Nearby Houses
Photo unavailable
432 Bigelow St
sold
Price: $105,000
4 bd / 1 ba · 1,912 sqft
Latest sale: $105,000 on Nov 15, 2019
Latest rent: —
Photo unavailable
412 E Bigelow St
sold · 0.04 mi
Price: $117,000
3 bd / 2 ba · 1,588 sqft
Latest sale: $117,000 on Jul 14, 2020
Latest rent: —
Photo unavailable
526 E Bigelow St
sold · 0.07 mi
Price: $96,000
2 bd / 1 ba · 1,236 sqft
Latest sale: $96,000 on Dec 09, 2019
Latest rent: —
Photo unavailable
422 Front St
sold · 0.07 mi
Price: $144,000
3 bd / 2 ba · 2,172 sqft
Latest sale: $144,000 on Oct 25, 2018
Latest rent: —
Photo unavailable
354 Front St
sold · 0.09 mi
Price: $115,000
2 bd / 2 ba · 1,187 sqft
Latest sale: $115,000 on Aug 16, 2016
Latest rent: —
Photo unavailable
309 N 3rd St
sold · 0.11 mi
Price: $39,900
3 bd / 1 ba · 1,568 sqft
Latest sale: $39,900 on Sep 14, 2018
Latest rent: —
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 interior photos — immediate NSPIRE failure if absent.
- Garage roof shows significant surface corrosion/rust — potential medium-term roof failure if not addressed.
- Exterior siding/trim rot at garage door base (peeling/exposed substrate) — potential deterioration and lead-paint hazard (pre-1978 construction).
- A wall-mounted space heater is visible—needs verification for safe combustion venting or electrical safety.
- Aged exterior AC condenser with visible rust — risk of HVAC failure / poor heating/cooling performance.
Assumptions
- No smoke alarms or carbon monoxide detectors are visible in photos; assume they are not installed or not visible and must be verified/installed.
- Central heating system and water heater locations and operational status are not shown; assume heating exists (wall heater + possible central) but must be tested.
- Electrical panel condition is unknown; assume intact but requires on-site inspection to confirm capacity and safety.
- Bedroom egress windows appear present but measurements/escape functionality are not confirmed; assume at least one adequate egress per bedroom until measured.
- Kitchen large refrigerator is not clearly visible in photos; assume tenant-supplied or missing (appliances do not alone fail inspection but will affect rental readiness).
- No evidence of active roof leaks was visible on interior photos; assume no active interior water infiltration at time of photos.
- House was built in 1930; assume lead-based paint risk exists and HUD lead rules/disclosures apply unless certified otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,608 | $152,770 | $53,470 |
| 2024 | $1,318 | $152,770 | $53,470 |
| 2023 | $1,318 | $118,370 | $41,430 |
| 2022 | $1,318 | $118,370 | $41,430 |
| 2021 | $1,214 | $104,200 | $36,471 |
| 2020 | $1,214 | $104,200 | $36,471 |
| 2019 | $1,212 | $104,200 | $36,471 |
| 2018 | $895 | $78,400 | $27,440 |
| 2017 | $909 | $78,400 | $27,440 |
| 2016 | $851 | $78,400 | $27,440 |
| 2015 | $935 | $85,710 | $29,999 |
| 2014 | $875 | $85,710 | $30,000 |
| 2013 | $619 | $85,710 | $30,000 |
| 2012 | $651 | $88,770 | $31,070 |
| 2011 | $651 | $88,770 | $31,070 |
| 2009 | $729 | $95,650 | $33,480 |
| 2008 | $677 | $95,650 | $33,480 |
| 2006 | $1,566 | $97,600 | $34,160 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-11-15 | Sold | $105,000 |
| 2013-10-18 | Sold | $80,600 |
Photo Gallery
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"source_name": "Findlay",
"price_change": -4000,
"days_after_listed": null,
"source_listing_id": "139532",
"price_change_percentage": null
},
{
"date": "2019-05-23",
"price": 129000,
"listing": {
"status": "sold",
"list_date": "2019-05-23T11:42:52Z",
"list_price": 112000,
"listing_id": "2350543039",
"last_update_date": "2019-11-15T20:27:00Z",
"last_status_change_date": "2019-11-15T20:40:30Z"
},
"event_name": "Listed",
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"source_name": "Findlay",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "139532",
"price_change_percentage": "+60.05%"
},
{
"date": "2013-10-18",
"price": 80600,
"listing": {
"status": "sold",
"list_date": "2013-07-31T07:00:00Z",
"list_price": 77000,
"listing_id": "556993389",
"last_update_date": "2013-10-18T11:00:00Z",
"last_status_change_date": "2013-10-18T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": 42.15481171548117,
"source_name": "Findlay",
"price_change": 3600,
"days_after_listed": "79 days",
"source_listing_id": "125643",
"price_change_percentage": "+4.68%"
},
{
"date": "2013-07-31",
"price": 77000,
"listing": {
"status": "sold",
"list_date": "2013-07-31T07:00:00Z",
"list_price": 77000,
"listing_id": "556993389",
"last_update_date": "2013-10-18T11:00:00Z",
"last_status_change_date": "2013-10-18T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 40.27196652719665,
"source_name": "Findlay",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "125643",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "3322872069",
"generated_at": "2026-02-24T22:54:27.362577Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 63.6
},
"utility_allowance": {
"zip_code": "43351",
"home_photo": "https://ap.rdcpix.com/26a4c7610ef8c6f3a018b6064530cfb6l-m4140216556s-w1280.jpg",
"rent_price": 1107.0,
"loan_amount": 137600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/432-E-Bigelow-St_Upper-Sandusky_OH_43351_M33228-72069",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 172000.0,
"loan_term_years": 30,
"annual_cash_flow": 9581.36,
"mortgage_monthly": 915.46,
"payment_standard": 1422.0,
"total_amount_out": 34400.0,
"additional_photos": [
"https://ap.rdcpix.com/26a4c7610ef8c6f3a018b6064530cfb6l-m2660219300s-w1280.jpg",
"https://ap.rdcpix.com/26a4c7610ef8c6f3a018b6064530cfb6l-m3666012268s-w1280.jpg",
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"https://ap.rdcpix.com/26a4c7610ef8c6f3a018b6064530cfb6l-m2532478414s-w1280.jpg",
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"https://ap.rdcpix.com/26a4c7610ef8c6f3a018b6064530cfb6l-m2198649966s-w1280.jpg",
"https://ap.rdcpix.com/26a4c7610ef8c6f3a018b6064530cfb6l-m6396942s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 59.83,
"monthly_cash_flow": 798.45,
"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": "Property information specifies 'Natural Gas' for heating. The allowance is based on the 4-bedroom rate for a single-family detached home.",
"utility": "Heating (Natural Gas)",
"allowance": 95
},
{
"note": "Property information specifies an 'Electric Range'. The allowance is based on the 4-bedroom rate for electric cooking.",
"utility": "Cooking (Electric)",
"allowance": 17
},
{
"note": "Water heater fuel type was not specified. Natural gas was chosen as it is consistent with the home's heating fuel. The allowance is based on the 4-bedroom rate.",
"utility": "Water Heating (Natural Gas)",
"allowance": 42
},
{
"note": "This is a standard baseline allowance for general electricity usage (lights, outlets) for a 4-bedroom home.",
"utility": "Other Electric",
"allowance": 50
},
{
"note": "Property information indicates the property is connected to 'Public' water. The allowance is based on the 4-bedroom rate.",
"utility": "Water",
"allowance": 40
},
{
"note": "Property information indicates the property is connected to 'Public Sewer'. The allowance is based on the 4-bedroom rate.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard utility for a single-family home. The allowance is a fixed rate based on the schedule.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "The property includes 'Central Air', but the provided utility schedule does not specify an allowance for this utility.",
"utility": "Air Conditioning",
"allowance": 0
},
{
"note": "The property information explicitly lists a refrigerator as a provided appliance. Therefore, there is no allowance for a tenant-owned refrigerator.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property information explicitly lists an electric range as a provided appliance. There is no tenant allowance for the appliance itself; energy costs are covered under 'Cooking'.",
"utility": "Range",
"allowance": 0
}
],
"cash_on_cash_return": 0.28,
"down_payment_amount": 34400.0,
"property_tax_annual": 1656.24,
"property_tax_monthly": 138.02,
"property_tax_increase": 0.03,
"utility_allowance_total": 315.0,
"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": -1404.11,
"property_management_monthly": 110.7,
"monthly_cash_flow_after_debt": -117.01,
"cash_on_cash_return_after_debt": -0.04
},
"section8_assessment": {
"runs": [
{
"summary": "This 4BR/1BA 1930 single-family house is generally habitable and would likely pass Section 8 / HCV initial inspection after a short punch-list: install/verify smoke and CO alarms, confirm/repair heating system venting and operation, add required GFCI protection in kitchen/bath as needed, replace missing outlet covers, address localized exterior siding/trim rot and garage roof corrosion, and ensure egress windows meet requirements. Major structural failures are not evident from photos, but mechanical equipment appears aged and should be verified on-site.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Overall the house appears structurally intact and cosmetically dated but serviceable. Interior finishes (paneling, ceiling tiles, carpet/laminate) show normal wear but no visible severe damage. Kitchen cabinets intact; range present but large refrigerator is not clearly visible in photos (possible missing). Exterior siding generally intact though there is localized rot/peeling at the garage door base and some wear on trim. Driveway has surface cracking and minor ponding. These are mostly cosmetic or moderate repairs (paint, trim/soffit, garage door base, driveway patching, possible appliance replacement) that are easy-to-fix and would not by themselves cause a full inspection failure."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "Several NSPIRE safety items are not visible in photos: there are no visible smoke detectors or CO alarms (required), GFCI locations are not shown, and outlet covers appear present in most rooms but a bottom-floor outlet cover appears missing in one image. The entry has a small step with no handrail shown (may be required depending on step height). Windows appear adequate for egress visually but bedroom windows/measurements are not confirmed. Interior wall heater is present (wall-mounted unit) which should be inspected for venting/combustion safety; central AC condenser is present outside but its condition is unknown. Because required alarms and some electrical safety verifications are not visible, this raises moderate inspection risk that is usually resolved quickly (install detectors, replace outlet covers, verify heater venting)."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 55.0,
"rationale": "An exterior AC condenser is installed but shows surface rust and age — it may be operational but likely near end-of-life. A wall-mounted heater is visible in the kitchen area (likely gas or electric) and central heating equipment/water heater are not shown. The detached garage roof and garage roof metal show significant surface rust; the main house metal roof appears in better shape but age is visible. Electrical panel and water heater condition are unknown. Given the age of the home (1930) and visible equipment age, there is moderate risk of mechanical work being required (repair or replacement of HVAC components, possible water heater/service)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Lot, driveway and detached two-car garage provide good rental amenity. Asphalt driveway has cracking and minor ponding but is serviceable. Siding mostly intact; some lower-sill damage/peeling near garage door and small areas of staining. Garage roof metal shows rust and surface corrosion — likely needs metal roof maintenance or replacement at medium term. Gutters appear present. Yard and walkways appear safe and free of obvious trip hazards. Overall exterior is functional but needs modest maintenance to be fully inspection-ready."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in interior photos — immediate NSPIRE failure if absent.",
"Garage roof shows significant surface corrosion/rust — potential medium-term roof failure if not addressed.",
"Exterior siding/trim rot at garage door base (peeling/exposed substrate) — potential deterioration and lead-paint hazard (pre-1978 construction).",
"A wall-mounted space heater is visible—needs verification for safe combustion venting or electrical safety.",
"Aged exterior AC condenser with visible rust — risk of HVAC failure / poor heating/cooling performance."
],
"confidence": 0.6,
"assumptions": [
"No smoke alarms or carbon monoxide detectors are visible in photos; assume they are not installed or not visible and must be verified/installed.",
"Central heating system and water heater locations and operational status are not shown; assume heating exists (wall heater + possible central) but must be tested.",
"Electrical panel condition is unknown; assume intact but requires on-site inspection to confirm capacity and safety.",
"Bedroom egress windows appear present but measurements/escape functionality are not confirmed; assume at least one adequate egress per bedroom until measured.",
"Kitchen large refrigerator is not clearly visible in photos; assume tenant-supplied or missing (appliances do not alone fail inspection but will affect rental readiness).",
"No evidence of active roof leaks was visible on interior photos; assume no active interior water infiltration at time of photos.",
"House was built in 1930; assume lead-based paint risk exists and HUD lead rules/disclosures apply unless certified otherwise."
],
"overall_score": 63.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 4-bed/1-bath 1930 house appears broadly rent-ready with mostly cosmetic repairs and several moderate inspection risks. The property should be able to pass an initial HCV/NSPIRE inspection after straightforward corrective actions: install/verify smoke and CO alarms, replace outlet/switch covers, verify/repair heating and hot water systems as needed, service or replace aged HVAC components (AC and wall heaters) if nonfunctional, repair damaged lower siding/garage trim and address corrosion on the detached garage roof. Expect a short timeline (2–6 weeks) to fully comply depending on HVAC and roof repair needs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior and exterior show generally serviceable condition with cosmetic wear. Flooring, paneling, ceiling tiles and trim are older but intact. Kitchen has appliances (electric range visible) though a full-size refrigerator is not clearly shown; minor cabinet/finish wear is present. Exterior siding and trim are mostly intact but there is evidence of localized damage/rot at lower siding edges near grade and peeling paint on garage door/trim. Easy-to-fix items (paint, outlet/switch covers, minor carpentry, some flooring/ceiling patching) dominate; no broad collapse or major interior structural damage visible."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 55.0,
"rationale": "Visible inspection risks: no smoke detectors or CO alarms are visible in photos (mandatory for pass), at least one electrical outlet/switch plate appears missing (electrical hazard), and some window/egress details cannot be confirmed from photos. Interior stair/handrail conditions are not shown. The property is a 1930 build so potential lead-paint risk should be screened. No active ceiling collapse, standing water, or obvious mold staining were observed. These deficiencies are moderately serious for initial NSPIRE inspection but are generally correctable."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "An exterior A/C condenser is present (appears aged and dirty) indicating cooling; heating appears to rely on wall-mounted gas/electric heaters (visible in kitchen) rather than a modern central furnace — age/condition unknown. Electrical service drop and conduit are present but electrical panel not visible for condition check. Plumbing fixtures (kitchen sink) appear intact, water heater not shown. Roof on the main house appears to be metal and broadly intact; the detached garage roof shows significant surface corrosion. Systems show presence but several unknowns and some aging equipment reduce the score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.0,
"rationale": "Large yard, paved driveway and 2-car detached garage provide good site functionality. Asphalt driveway has some cracking and minor ponding but is serviceable. Detached garage exterior shows rusting metal roof, worn doors and some bottom-sill deterioration. Siding and gutters exist and appear serviceable on the main house. No obvious major foundation movement, severe grading/standing water, or infestation evidence in the photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms (required by NSPIRE) — fail risk until installed/verified.",
"Electrical hazard: at least one missing outlet/switch cover plate visible — creates an immediate inspector concern.",
"Significant corrosion/rust on detached garage roof and worn garage doors — risk of future leaks and structural/finish deterioration.",
"Aging heating/cooling equipment: wall units and an older exterior A/C condenser observed; condition/function unknown and could cause a fail if heating/hot water are inoperative.",
"Lower siding/trim deterioration near grade on garage and some house corners — potential for moisture entry/rot if unaddressed."
],
"confidence": 0.65,
"assumptions": [
"Utilities (electric, water) are connected and functioning at time of inspection.",
"Bedrooms have legal egress windows (double-hung windows visible) though exact dimensions were not measured; assume at least one conforming egress per bedroom unless otherwise found.",
"Smoke and CO detectors are not present (none visible in photos) and will need installation; this assessment treats them as missing.",
"Heating is provided by the visible wall-mounted units and possibly an older central system not shown; hot water system location and condition are unknown.",
"Electrical distribution (main panel) is present and intact but was not photographed; no obvious active arcing or severe exposed wiring was seen other than missing cover plates.",
"Kitchen has an electric range present; a full-size refrigerator is not clearly visible (a small unit appears), so tenant-ready appliance set may need verification.",
"Main house roof is assumed to be intact metal based on photos; detached garage roof shows more surface corrosion and will likely require closer review or repair."
],
"overall_score": 64.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "This 4-bed, 1-bath 1930-era single-family property appears rentable with mostly cosmetic and age-related repairs. The house shell looks sound and the yard/driveway and detached garage provide good functionality, but several inspection risks must be addressed before a Section 8/NSPIRE initial pass: install/verify smoke and CO detectors, confirm GFCI protection in kitchen/bath, verify heating, hot water and electrical panel condition, and repair/replace corroded garage roof and localized exterior trim. With targeted repairs and safety-device installations the property is likely to pass within ~2–4 weeks; if mechanical systems (furnace, water heater, electrical) need replacement, timeline extends.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 70.0,
"rationale": "Property appears generally intact with mostly cosmetic wear. Interior finishes (flooring, paneling, ceilings) are aged but serviceable; kitchen cabinets and counters are older but present and a stove is shown. Exterior siding and trim show localized damage at lower corners; driveway has cracking and minor ponding. Detached two-car garage shows peeling paint and notable roof surface corrosion. Missing minor items (trim repair, paint, lighting/cover plates) likely required but no large-scale visible demolition or collapsed elements. Missing appliances not clearly evident from photos but not assumed critical."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 55.0,
"rationale": "No visible smoke detectors or carbon monoxide alarms in interior photos (inspection requirement). GFCI outlets near kitchen sink not evident. Bedroom egress likely adequate due to multiple double-hung windows but exact window sill heights not shown. Porch and entry have railings but handrail condition not fully visible. No obvious exposed live wiring or collapsed ceilings seen. Presence of a wall-mounted gas-style heater requires verification of safe installation/venting. Overall moderate NSPIRE risk due to missing/uncertain life-safety devices and lack of visible GFCI protection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Mechanical systems show mixed signals: an exterior condensing unit is present but heavily rusted on top (age/condition unknown). Interior shows a wall-mounted gas/electric heater in the kitchen which suggests heating is present, but no central furnace or water heater visible in photos. Roof on main house appears metal and intact; detached garage roof metal shows surface corrosion which may leak. Plumbing fixtures not shown in bathroom; hot water availability unconfirmed. Electrical panel and plumbing drains not visible and must be confirmed. Given visible equipment and age, expect some mechanical servicing and verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Large lot, paved asphalt driveway and parking area provide off-street parking and appear functional though with cracking and minor ponding. Siding generally intact; small areas of trim/soffit wear and bottom-edge damage noted. Gutters and downspouts present. Detached garage with two doors provides covered parking but shows roof corrosion, peeling paint and localized base rot at lower door area. No obvious standing water adjacent to foundation in photos; yard appears level and usable."
}
],
"red_flags": [
"Missing or not-visible smoke detectors and carbon monoxide alarms (required for NSPIRE/Section 8).",
"No visible GFCI protection in kitchen area (required near sink/counter).",
"Detached garage roof shows heavy surface corrosion and peeling—risk of leaks and further deterioration.",
"Exterior A/C condensing unit shows heavy rust on top and may be non-functional or near end of life; mechanical reliability uncertain.",
"Potential lead-based paint risk due to 1930 build and observed peeling/peeling-trim areas (requires assessment)."
],
"confidence": 0.7,
"assumptions": [
"No working smoke or CO alarms were visible in interior photos; assume they are absent until confirmed.",
"A heating source is present (wall-mounted heater shown); assume it is operable but should be inspected and serviced.",
"Central HVAC (furnace/air handler) and water heater locations and conditions are not visible; assume they exist but require verification.",
"Kitchen has a stove (visible) and likely no full-size refrigerator in photos — appliance completeness will be confirmed prior to move-in but missing fridge would be treated as moderate, not fatal.",
"Electrical panel condition, circuit labeling, and AFCI/GFCI protection are unknown and assumed to need inspection; no exposed live wiring visible in photos.",
"Windows likely provide bedroom egress but sill heights and clear opening sizes are not confirmed from photos.",
"No interior bathroom photos were provided; bathtub/shower, toilet, and hot water supply are assumed present but should be confirmed.",
"Peeling paint on trim is localized; given 1930 construction, assume potential lead-based paint risk that requires evaluation and addressing per regulations."
],
"overall_score": 64.0,
"rubric_version": "NSPIRE-2026-02-24-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "432 E Bigelow St, Upper Sandusky, OH, 43351",
"aggregate": {
"summary": "This 4BR/1BA 1930 single-family house is generally habitable and would likely pass Section 8 / HCV initial inspection after a short punch-list: install/verify smoke and CO alarms, confirm/repair heating system venting and operation, add required GFCI protection in kitchen/bath as needed, replace missing outlet covers, address localized exterior siding/trim rot and garage roof corrosion, and ensure egress windows meet requirements. Major structural failures are not evident from photos, but mechanical equipment appears aged and should be verified on-site.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.7,
"rationale": "Overall the house appears structurally intact and cosmetically dated but serviceable. Interior finishes (paneling, ceiling tiles, carpet/laminate) show normal wear but no visible severe damage. Kitchen cabinets intact; range present but large refrigerator is not clearly visible in photos (possible missing). Exterior siding generally intact though there is localized rot/peeling at the garage door base and some wear on trim. Driveway has surface cracking and minor ponding. These are mostly cosmetic or moderate repairs (paint, trim/soffit, garage door base, driveway patching, possible appliance replacement) that are easy-to-fix and would not by themselves cause a full inspection failure."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 67.7,
"rationale": "Lot, driveway and detached two-car garage provide good rental amenity. Asphalt driveway has cracking and minor ponding but is serviceable. Siding mostly intact; some lower-sill damage/peeling near garage door and small areas of staining. Garage roof metal shows rust and surface corrosion — likely needs metal roof maintenance or replacement at medium term. Gutters appear present. Yard and walkways appear safe and free of obvious trip hazards. Overall exterior is functional but needs modest maintenance to be fully inspection-ready."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 56.7,
"rationale": "Several NSPIRE safety items are not visible in photos: there are no visible smoke detectors or CO alarms (required), GFCI locations are not shown, and outlet covers appear present in most rooms but a bottom-floor outlet cover appears missing in one image. The entry has a small step with no handrail shown (may be required depending on step height). Windows appear adequate for egress visually but bedroom windows/measurements are not confirmed. Interior wall heater is present (wall-mounted unit) which should be inspected for venting/combustion safety; central AC condenser is present outside but its condition is unknown. Because required alarms and some electrical safety verifications are not visible, this raises moderate inspection risk that is usually resolved quickly (install detectors, replace outlet covers, verify heater venting)."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 58.3,
"rationale": "An exterior AC condenser is installed but shows surface rust and age — it may be operational but likely near end-of-life. A wall-mounted heater is visible in the kitchen area (likely gas or electric) and central heating equipment/water heater are not shown. The detached garage roof and garage roof metal show significant surface rust; the main house metal roof appears in better shape but age is visible. Electrical panel and water heater condition are unknown. Given the age of the home (1930) and visible equipment age, there is moderate risk of mechanical work being required (repair or replacement of HVAC components, possible water heater/service)."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in interior photos — immediate NSPIRE failure if absent.",
"Garage roof shows significant surface corrosion/rust — potential medium-term roof failure if not addressed.",
"Exterior siding/trim rot at garage door base (peeling/exposed substrate) — potential deterioration and lead-paint hazard (pre-1978 construction).",
"A wall-mounted space heater is visible—needs verification for safe combustion venting or electrical safety.",
"Aged exterior AC condenser with visible rust — risk of HVAC failure / poor heating/cooling performance."
],
"confidence": 0.95,
"assumptions": [
"No smoke alarms or carbon monoxide detectors are visible in photos; assume they are not installed or not visible and must be verified/installed.",
"Central heating system and water heater locations and operational status are not shown; assume heating exists (wall heater + possible central) but must be tested.",
"Electrical panel condition is unknown; assume intact but requires on-site inspection to confirm capacity and safety.",
"Bedroom egress windows appear present but measurements/escape functionality are not confirmed; assume at least one adequate egress per bedroom until measured.",
"Kitchen large refrigerator is not clearly visible in photos; assume tenant-supplied or missing (appliances do not alone fail inspection but will affect rental readiness).",
"No evidence of active roof leaks was visible on interior photos; assume no active interior water infiltration at time of photos.",
"House was built in 1930; assume lead-based paint risk exists and HUD lead rules/disclosures apply unless certified otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 63.6,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3322872069"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.