Property ID: 3344774813
257 S Main St, McComb, OH, 45858
McComb, OH
Money Down: $40,776
CoC Return: -2.03%
Monthly Cash Flow: $-69
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,980
Closing Costs
$6,796
Total Down
$40,776
Investment Snapshot
Purchase Price
$169,900
Money Down
$40,776
Cash-on-Cash Return
-2.03%
Rent
$1,216
Monthly Cash Flow
$-69
Annual Cash Flow
$-826
Debt Service / Mo
$904
Property Tax / Mo
$202
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,216
Payment Standard
$1,484
Rent
$1,216
Insurance
$56
Property Tax
$202
Management
$122
Utilities Allowance
$268
NOI (Monthly)
$835
Debt Service
$904
Cash Flow After Debt
$-69
Quality Score: 72.80%
Confidence: 93.00%
This all-brick 3BR/2BA home appears generally well maintained and would likely pass a Section 8/HCV initial NSPIRE inspection after addressing a few minor items. The property shows only cosmetic and minor exterior-site issues; major structural problems or active leaks are not evident. Key unknowns are the operational condition of major mechanical systems (furnace/AC, water heater), presence of required CO detectors and GFCI protection, and full condition of kitchen/bath appliances. If those systems are functional and required detectors/GFCIs are installed, the property is likely rent-ready within 1–4 weeks with minor repairs.
Section 8 Payment Standard
$1,484
Utility Allowance Total
$268
Guaranteed Section 8 Rent (PS - Utilities)
$1,216
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$169,900
Beds
3
Baths
2
Living Area
2,172 sqft
Lot Size
12,632 sqft
Year Built
1930
Days on Market
49
Capital Outlay
$40,776
Debt Service
$904
Property Tax / Mo
$202
Insurance / Mo
$56
Property Description
Welcome home to this charming 3-bedroom, 2-bath all-brick residence located in the desirable McComb School District. This property offers a welcoming front porch perfect for relaxing evenings and a huge fenced-in backyard ideal for entertaining, pets, or play. Inside, you'll find three generously sized living areas, providing plenty of flexibility for family gatherings, a home office, or additional entertainment space. The separate den/dining room located at the rear of the home offers privacy and versatility. The first-floor does offer a bedroom with convenience, as you will find the other two bedrooms upstairs. Attached two-car garage provides ample storage and parking. This home offers space, comfort, and functionality all in one package.
Utility Allowances
heating
$75
The property is listed as having Natural Gas heating. The allowance is based on the 3BR rate for Natural Gas from the schedule.
cooking
$12
Natural gas was selected for cooking as it is consistent with the property's primary heating fuel. The allowance is based on the 3BR rate for Natural Gas.
water_heating
$33
Natural gas was assumed for water heating, consistent with the property's heating fuel. The allowance is based on the 3BR rate for Natural Gas.
other_electric
$39
This is a standard allowance for general electricity usage (lights, fans, outlets) not covered by other specific utility categories, based on the 3BR rate.
air_conditioning
$0
The property uses window AC units. However, the utility schedule provides a null allowance ($0) for this utility.
water
$32
The property is listed as having a public water source. The allowance is based on the 3BR rate.
sewer
$36
The property is listed as being connected to a sanitary sewer. The allowance is based on the 3BR rate.
trash_collection
$25
Trash collection is a standard utility for a single-family home and is assumed to be a tenant expense. The allowance is a fixed rate from the schedule.
refrigerator
$8
The refrigerator is not explicitly listed as a landlord-provided appliance. This allowance is for the electricity to run a tenant-owned unit.
range
$8
The range/oven is not explicitly listed as a landlord-provided appliance. This allowance is for the electricity to run a tenant-owned unit (e.g., for clock and ignition).
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$618
DP3 Annual Estimate$738
DP1 Monthly Equivalent$52
DP3 Monthly Equivalent$62
Replacement Value$113,270
Basis2,172 sqft / 1930
Nearby Houses
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256 South St
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236 E South St
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232 E South St
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243 E South St
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220 E South St
sold · 0.08 mi
Price: $94,000
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231 E South St
sold · 0.09 mi
Price: $159,900
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219 South St
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Price: $106,000
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Photo unavailable
219 E South St
sold · 0.12 mi
Price: $106,000
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Latest sale: $106,000
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement and photos reflect current condition; no unseen recent damage.
- Forced-air heating exists and is functional (floor vents visible), but no service records were provided.
- Water heater and plumbing supply are present and not actively leaking (no stains visible).
- Kitchen and bathrooms are functional though not shown; missing appliances would be replaced if required by owner/manager.
- Smoke detector seen in living area indicates tenant-level detectors likely present elsewhere but additional units (bedrooms/CO) may be needed.
- Backyard is fenced as described in listing despite limited backyard photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,359 | $168,630 | $59,020 |
| 2023 | $1,777 | $128,720 | $45,050 |
| 2022 | $1,809 | $128,720 | $45,050 |
| 2021 | $1,570 | $100,750 | $35,263 |
| 2020 | $1,376 | $100,750 | $35,263 |
| 2018 | $1,374 | $96,340 | $33,720 |
| 2017 | $1,382 | $96,340 | $33,720 |
| 2016 | $1,282 | $96,340 | $33,720 |
| 2015 | $1,207 | $88,880 | $31,109 |
| 2014 | $1,221 | $88,880 | $31,109 |
| 2013 | $1,060 | $88,880 | $31,109 |
| 2012 | $1,314 | $105,150 | $36,810 |
| 2011 | $1,313 | $105,150 | $36,810 |
| 2010 | $1,564 | $105,150 | $36,810 |
| 2009 | $1,531 | $106,230 | $37,190 |
| 2008 | $1,634 | $106,230 | $37,190 |
| 2007 | $1,642 | $106,230 | $37,190 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-18 | Listed | $169,900 |
| 2023-07-28 | Sold | $164,850 |
| 2023-06-20 | Listed | $159,900 |
| 2020-07-24 | Sold | $84,100 |
| 2014-09-19 | Sold | $73,000 |
| 2014-07-31 | Price Changed | $72,000 |
| 2014-04-07 | Price Changed | $76,500 |
| 2014-03-14 | Price Changed | $79,900 |
| 2014-02-04 | Listed | $85,000 |
| 2012-09-04 | Listing removed | $79,500 |
| 2012-06-23 | Price Changed | $79,500 |
| 2012-06-03 | Listed | $85,000 |
| 2007-07-24 | Sold | $69,000 |
| 2005-11-16 | Sold | $101,000 |
Photo Gallery
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},
{
"tax": 1809,
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"land": 5410,
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},
{
"tax": 1570,
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"assessment": {
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},
{
"tax": 1376,
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},
"assessment": {
"land": 5404,
"total": 35263,
"building": 29859
}
},
{
"tax": 1374,
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},
"assessment": {
"land": 3861,
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"building": 29859
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},
{
"tax": 1382,
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},
"assessment": {
"land": 3861,
"total": 33720,
"building": 29859
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},
{
"tax": 1282,
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"assessment": {
"land": 3861,
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"building": 29859
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},
{
"tax": 1207,
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"assessment": {
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},
{
"tax": 1221,
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"assessment": {
"land": 3308,
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},
{
"tax": 1060,
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"assessment": {
"land": 3308,
"total": 31109,
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},
{
"tax": 1314,
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"assessment": {
"land": 3310,
"total": 36810,
"building": 33500
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},
{
"tax": 1313,
"year": 2011,
"market": {
"land": 9450,
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"assessment": {
"land": 3310,
"total": 36810,
"building": 33500
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},
{
"tax": 1564,
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"market": {
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"assessment": {
"land": 3310,
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"building": 33500
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},
{
"tax": 1531,
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"assessment": {
"land": 1790,
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"building": 35400
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},
{
"tax": 1634,
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"market": {
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"assessment": {
"land": 1790,
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},
{
"tax": 1642,
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"land": 5100,
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"assessment": {
"land": 1790,
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}
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},
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},
"processing_status": {
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"min_score": 60.0,
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/257-S-Main-St_Mc-Comb_OH_45858_M33447-74813",
"bedroom_count": 3,
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"insurance_monthly": 56.5,
"monthly_cash_flow": 835.42,
"property_tax_rate": 0.0103,
"_utility_allowance": {
"sources": [
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],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "The property is listed as having Natural Gas heating. The allowance is based on the 3BR rate for Natural Gas from the schedule.",
"utility": "heating",
"allowance": 75
},
{
"note": "Natural gas was selected for cooking as it is consistent with the property's primary heating fuel. The allowance is based on the 3BR rate for Natural Gas.",
"utility": "cooking",
"allowance": 12
},
{
"note": "Natural gas was assumed for water heating, consistent with the property's heating fuel. The allowance is based on the 3BR rate for Natural Gas.",
"utility": "water_heating",
"allowance": 33
},
{
"note": "This is a standard allowance for general electricity usage (lights, fans, outlets) not covered by other specific utility categories, based on the 3BR rate.",
"utility": "other_electric",
"allowance": 39
},
{
"note": "The property uses window AC units. However, the utility schedule provides a null allowance ($0) for this utility.",
"utility": "air_conditioning",
"allowance": 0
},
{
"note": "The property is listed as having a public water source. The allowance is based on the 3BR rate.",
"utility": "water",
"allowance": 32
},
{
"note": "The property is listed as being connected to a sanitary sewer. The allowance is based on the 3BR rate.",
"utility": "sewer",
"allowance": 36
},
{
"note": "Trash collection is a standard utility for a single-family home and is assumed to be a tenant expense. The allowance is a fixed rate from the schedule.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "The refrigerator is not explicitly listed as a landlord-provided appliance. This allowance is for the electricity to run a tenant-owned unit.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "The range/oven is not explicitly listed as a landlord-provided appliance. This allowance is for the electricity to run a tenant-owned unit (e.g., for clock and ignition).",
"utility": "range",
"allowance": 8
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 33980.0,
"property_tax_annual": 2429.77,
"property_tax_monthly": 202.48,
"property_tax_increase": 0.03,
"utility_allowance_total": 268.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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"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": -826.32,
"property_management_monthly": 121.6,
"monthly_cash_flow_after_debt": -68.86,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "This all-brick 3BR/2BA home appears generally well maintained and would likely pass a Section 8/HCV initial NSPIRE inspection after addressing a few minor items. The property shows only cosmetic and minor exterior-site issues; major structural problems or active leaks are not evident. Key unknowns are the operational condition of major mechanical systems (furnace/AC, water heater), presence of required CO detectors and GFCI protection, and full condition of kitchen/bath appliances. If those systems are functional and required detectors/GFCIs are installed, the property is likely rent-ready within 1–4 weeks with minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible Condition & Repairs",
"score": 75.0,
"rationale": "Overall the home appears well maintained cosmetically. Brick exterior and windows look intact, interior hardwood floors present and in generally good condition, and rooms are clean and staged. Visible minor deferred items: porch step paint/chip at concrete edge, raised brick planter with some mortar loss, some cosmetic wear to interior trim and wallpaper, and ceiling tile panels in some rooms that appear dated and could require refinish or replacement. No major interior finish demolition or exposed subfloor observed. Missing kitchen/bath photos prevent confirmation of appliance condition; absence of visible major damage keeps score in the minor-repairs range."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE Safety & Code Risks",
"score": 70.0,
"rationale": "No life‑threatening hazards visible in photos. A ceiling-mounted smoke detector is visible in the living area (positive). Windows in living areas/upper floor appear intact and provide likely egress. Entry door and storm door present. No exposed electrical wiring or obvious electrical hazards in visible rooms. Potential concerns: CO detectors not observed in photos (required where fuel-burning appliances present); GFCI presence in kitchen/bath not shown; front porch railing is present on part of porch but steps do not show a continuous handrail (may be acceptable depending on riser count); minor trip hazard risk at cracked sidewalk/porch edge and raised brick planter. No visible mold, active water intrusion, major foundation cracks, sagging ceilings, or collapsed elements. Because several required devices/safety items (CO alarms, GFCIs, dedicated bedroom smoke detectors) cannot be confirmed from photos, a moderate deduction applied."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Roof covering appears in good visual condition with even shingle lines and no visible sagging or missing areas from exterior photos. Interior floor vents visible indicating forced air system and functioning distribution (presence inferred). No visible evidence of active plumbing leaks or water stains in ceilings or walls. Electrical panel and water heater not shown; functional condition unknown. Given age (1930) some mechanical components may be older but there is no photographic evidence of failure. Because critical system verifications (operational furnace/AC, water heater, electrical panel condition, hot water availability, plumbing operation) are not shown, score reduced to reflect inspection risk rather than observed failure."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 80.0,
"rationale": "Brick masonry exterior in good repair, attached two-car garage looks structurally sound, driveway and parking present. Front porch slab and covered porch appear solid. Yard is level and listing indicates a fenced backyard (not fully visible in photos but description supports). Gutters/downspouts visible and connected; one downspout extension seen on ground (may need securing/drainage attention). Mature street tree near house is present (monitor for root impact and falling limbs). No visible evidence of infestation, standing water, or major drainage/grading issues in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement and photos reflect current condition; no unseen recent damage.",
"Forced-air heating exists and is functional (floor vents visible), but no service records were provided.",
"Water heater and plumbing supply are present and not actively leaking (no stains visible).",
"Kitchen and bathrooms are functional though not shown; missing appliances would be replaced if required by owner/manager.",
"Smoke detector seen in living area indicates tenant-level detectors likely present elsewhere but additional units (bedrooms/CO) may be needed.",
"Backyard is fenced as described in listing despite limited backyard photos."
],
"overall_score": 72.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "This all‑brick 3BR/2BA house presents as well‑maintained cosmetically and is likely to pass an initial Housing Choice Voucher/NSPIRE inspection after routine pre‑move‑in checks and a few minor fixes. Visible strengths: intact brick exterior, sound roof appearance, working thermostat, a smoke detector, and generally good interior condition. Likely required pre‑inspection items: verify/replace smoke and install CO alarms per local code, verify deadbolt on main entry, confirm functioning heating and hot water, test electrical panel and install/verify GFCI in kitchen and bathrooms, and supply/confirm kitchen appliances if the voucher program requires them. Expected readiness timeframe: minor work only; typically rent‑ready within 1–4 weeks depending on appliance/system verifications and any minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Exterior brick is intact and in good condition; porch concrete and planter show minor wear and a chipped corner; painted wood posts and metal porch railing have surface wear but are serviceable. Interior photos show generally clean, intact hardwood floors with normal wear, finished walls and ceilings (some older ceiling tiles visible) and well‑kept living spaces. No major interior damage visible. Listing/photos do not show kitchen appliances or bathrooms — missing appliances were assumed and reduce the score moderately. Overall: mostly cosmetic/maintenance items; repair list likely limited to paint, porch concrete touch-ups, minor trim/threshold work and installation/verification of appliances if required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "A ceiling smoke detector is visible in the living area (good). Windows are plentiful and look large enough for bedroom egress, though bedroom photos are limited. Entry door and storm door shown; a deadbolt is not visible in photos (assumed present but should be verified). No exposed wiring or obvious electrical hazards are visible; a thermostat is present indicating heating controls. GFCI outlets are not visible in kitchen/bath photos (not shown) so must be verified. Porch has metal railing but step area shows railing only on one side and small step(s) with no continuous stair handrail — likely acceptable for low riser count but should be verified for code depending on step height. No visible mold, active leaks, collapsed ceilings, or foundation separation observed. Carbon monoxide alarm not visible; if fuel‑burning appliances present a CO alarm will be required."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Roof shingles appear in good condition in multiple exterior photos with no visible sagging or active leaks. Interior shows a thermostat, indicating a central heating system, but no HVAC unit, water heater, electrical panel or appliances are pictured — their presence and operational status are unconfirmed. Drainage improvements (downspout extenders) are visible at one corner. Because critical systems (furnace, water heater, electrical panel) are not shown, score is conservative but leans positive based on visible indicators (good roof, thermostat, intact exterior). Functional testing of heating, hot water, electrical panel, and plumbing will be required at inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site & safety",
"score": 75.0,
"rationale": "All‑brick exterior and foundation appear sound with no visible large cracks or settlement. Attached two‑car garage and driveway provide parking; driveway is gravel/dirt and may need grading/cleaning but is serviceable. Front yard has some leaf/debris accumulation and the raised brick planter shows a damaged corner that should be repaired to avoid tripping. Large trees near the house exist but don’t show obvious damage to the roof or foundation in photos. Listing references a huge fenced backyard (not pictured) — assume fencing is present but should be confirmed. No visible evidence of infestation or standing water."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Bedrooms have appropriately sized egress windows though not all bedroom photos were provided.",
"A heating system exists and is connected (thermostat visible), but its operational condition is unverified.",
"Water heater and electrical panel are present but were not photographed; assumed functional until proven otherwise.",
"Listing statement about a 'huge fenced‑in backyard' is accurate though fence not shown in supplied photos.",
"Kitchen and bathroom fixtures/appliances are not shown; assume appliances may be missing or are seller‑owned and should be confirmed — missing appliances reduce readiness but are not an automatic fail.",
"No visible active roof leaks, major foundation movement, or severe mold observed in photos; absence of photos of some areas (attic, basement, behind appliances) means hidden issues cannot be ruled out."
],
"overall_score": 75.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "This 3-bed/2-bath all-brick 1930 home appears generally sound and likely to pass an initial HCV/NSPIRE inspection after a short punch-list of minor repairs and verifications. Visible issues are mostly cosmetic and low-cost (peeling paint, worn thresholds, minor concrete staining, planter damage). Key verification items before listing for Section 8: confirm working heating system and hot water, locate/install CO detector(s) and required GFCI protection in kitchen and bathrooms, confirm electrical panel condition, and remediate any peeling painted surfaces to address potential lead-paint hazards. With those verifications and minor fixes the property is likely rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Property shows generally well-maintained interior and exterior finishes: intact brick exterior, sound-looking roofline, solid porch and concrete surfaces. Interior wood floors are in usable condition with normal wear; ceilings use tile panels with visible seams but no sagging or active stains. Minor deferred maintenance observed: peeling paint on porch posts/trim, algae/green staining on concrete edges, worn threshold/door bottom, and a damaged brick planter. Kitchen and baths were not shown; missing appliances cannot be confirmed from photos and were treated as neutral. These are mostly cosmetic/low-capital items and should be easy to repair within a short timeframe."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 65.0,
"rationale": "Visible safety items: a smoke detector is present in living area; windows appear operable and likely meet egress for upstairs bedrooms. No exposed wiring or obvious electrical hazards are visible; entry doors look secure and garage attached. Missing/unknowns: carbon monoxide detector not visible in photos, GFCI protection in kitchen/baths not shown, electrical panel not pictured, and plumbing fixtures/hot water availability not verified. The house was built in 1930 — small areas of peeling painted wood exist (porch posts/trim), creating a potential lead-paint risk that must be addressed for NSPIRE. No active roof leaks, standing water, collapsed ceilings, or unsafe stairs were observed. Overall there are some compliance risks that require verification/quick fixes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Major visible systems show no obvious failures: roof shingles look in serviceable condition with even coverage, gutters and downspout with an extension are present. Interior photos show a thermostat and supply/return vents (indicating forced-air HVAC), suggesting heat/AC equipment is installed. Water heater and electrical panel are not pictured and could not be confirmed. No visible signs of active leaks, water stains, or degraded foundation. Because critical system components (furnace, water heater, electrical panel) were not shown, a conservative mid-high score reflects likely functionality but requires verification and possibly routine maintenance."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.0,
"rationale": "Brick envelope and foundation appear sound with no visible major cracking or settlement. Front porch, steps and metal railings are present and appear stable. Driveway is unpaved/gravel but serviceable; attached two-car garage present and garage door looks intact. Yard is reasonably maintained; listing states a large fenced backyard (fence not shown in provided photos). Minor site issues include worn planting beds, some leaf/debris accumulation, and a small broken section of the front brick planter. Drainage mitigation (flexible downspout extension) is visible and routed away from foundation. Overall the site presents low risk to inspection readiness."
}
],
"red_flags": [
"Potential lead-based paint hazard (house built in 1930) — small peeling paint visible on exterior trim/porch posts; requires assessment and remediation per HUD rules.",
"No carbon monoxide detector visible in photos — if fuel-burning appliances exist (furnace, gas stove), CO alarms are required.",
"GFCI protection in kitchen/baths not visible in photos — must be verified and installed where required.",
"Major systems (furnace, water heater, electrical panel) not shown — condition unknown and must be verified before inspection."
],
"confidence": 0.65,
"assumptions": [
"Heating/air system is present and operational (thermostat and vents visible) but not physically inspected; functioning HVAC assumed until verified.",
"Water heater and main electrical panel exist and are in working order though not shown in photos.",
"Kitchen and bathroom fixtures/appliances are present but not photographed; missing appliances would be considered moderate repairs but not automatic inspection failures.",
"Listing description statement about a 'huge fenced-in backyard' is accurate though fence is not visible in provided photos.",
"Minor peeling/paint loss observed on porch posts and trim is superficial; no extensive underlying rot or structural compromise inferred from photos.",
"No active roof leaks or interior water damage are present; ceiling tiles show seams but no staining or sagging."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-v1-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "257 S Main St, McComb, OH, 45858",
"aggregate": {
"summary": "This all-brick 3BR/2BA home appears generally well maintained and would likely pass a Section 8/HCV initial NSPIRE inspection after addressing a few minor items. The property shows only cosmetic and minor exterior-site issues; major structural problems or active leaks are not evident. Key unknowns are the operational condition of major mechanical systems (furnace/AC, water heater), presence of required CO detectors and GFCI protection, and full condition of kitchen/bath appliances. If those systems are functional and required detectors/GFCIs are installed, the property is likely rent-ready within 1–4 weeks with minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible Condition & Repairs",
"score": 75.0,
"rationale": "Overall the home appears well maintained cosmetically. Brick exterior and windows look intact, interior hardwood floors present and in generally good condition, and rooms are clean and staged. Visible minor deferred items: porch step paint/chip at concrete edge, raised brick planter with some mortar loss, some cosmetic wear to interior trim and wallpaper, and ceiling tile panels in some rooms that appear dated and could require refinish or replacement. No major interior finish demolition or exposed subfloor observed. Missing kitchen/bath photos prevent confirmation of appliance condition; absence of visible major damage keeps score in the minor-repairs range."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 77.7,
"rationale": "Brick masonry exterior in good repair, attached two-car garage looks structurally sound, driveway and parking present. Front porch slab and covered porch appear solid. Yard is level and listing indicates a fenced backyard (not fully visible in photos but description supports). Gutters/downspouts visible and connected; one downspout extension seen on ground (may need securing/drainage attention). Mature street tree near house is present (monitor for root impact and falling limbs). No visible evidence of infestation, standing water, or major drainage/grading issues in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE Safety & Code Risks",
"score": 71.0,
"rationale": "No life‑threatening hazards visible in photos. A ceiling-mounted smoke detector is visible in the living area (positive). Windows in living areas/upper floor appear intact and provide likely egress. Entry door and storm door present. No exposed electrical wiring or obvious electrical hazards in visible rooms. Potential concerns: CO detectors not observed in photos (required where fuel-burning appliances present); GFCI presence in kitchen/bath not shown; front porch railing is present on part of porch but steps do not show a continuous handrail (may be acceptable depending on riser count); minor trip hazard risk at cracked sidewalk/porch edge and raised brick planter. No visible mold, active water intrusion, major foundation cracks, sagging ceilings, or collapsed elements. Because several required devices/safety items (CO alarms, GFCIs, dedicated bedroom smoke detectors) cannot be confirmed from photos, a moderate deduction applied."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 68.3,
"rationale": "Roof covering appears in good visual condition with even shingle lines and no visible sagging or missing areas from exterior photos. Interior floor vents visible indicating forced air system and functioning distribution (presence inferred). No visible evidence of active plumbing leaks or water stains in ceilings or walls. Electrical panel and water heater not shown; functional condition unknown. Given age (1930) some mechanical components may be older but there is no photographic evidence of failure. Because critical system verifications (operational furnace/AC, water heater, electrical panel condition, hot water availability, plumbing operation) are not shown, score reduced to reflect inspection risk rather than observed failure."
}
],
"red_flags": [],
"confidence": 0.93,
"assumptions": [
"Listing statement and photos reflect current condition; no unseen recent damage.",
"Forced-air heating exists and is functional (floor vents visible), but no service records were provided.",
"Water heater and plumbing supply are present and not actively leaking (no stains visible).",
"Kitchen and bathrooms are functional though not shown; missing appliances would be replaced if required by owner/manager.",
"Smoke detector seen in living area indicates tenant-level detectors likely present elsewhere but additional units (bedrooms/CO) may be needed.",
"Backyard is fenced as described in listing despite limited backyard photos."
],
"score_method": "mean_of_criteria",
"overall_score": 72.8,
"rubric_version": "2026-02-24-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3344774813"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.