Property ID: 3437825153
1512 Oberlin St, Pittsburgh, PA, 15206
Pittsburgh, PA
Money Down: $27,600
CoC Return: 47.00%
Monthly Cash Flow: $1,081
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Investment Snapshot
Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
47.00%
Rent
$1,976
Monthly Cash Flow
$1,081
Annual Cash Flow
$12,972
Debt Service / Mo
$612
Property Tax / Mo
$53
Insurance / Mo
$32
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,976
Payment Standard
$2,309
Rent
$1,976
Insurance
$32
Property Tax
$53
Management
$198
Utilities Allowance
$333
NOI (Monthly)
$1,693
Debt Service
$612
Cash Flow After Debt
$1,081
Quality Score: 65.40%
Confidence: 94.00%
Overall the property generally appears in good cosmetic condition with an updated kitchen and functioning major appliances — likely rentable after minor repairs and verification. Primary NSPIRE risks are lack of visible smoke/CO detectors (CO required because of gas range), potential bedroom egress non-compliance for upper/attic-style bedrooms, and lack of visible central heating documentation. These items are repair/verification tasks rather than evidence of structural failure. Expect 2–6 weeks to prepare for an initial HCV/NSPIRE inspection depending on addressing life-safety items (install detectors, confirm egress or replace/modify windows, verify heating and electrical/GFCI protection).
Section 8 Payment Standard
$2,309
Utility Allowance Total
$333
Guaranteed Section 8 Rent (PS - Utilities)
$1,976
Property Management
$198
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,000
Beds
2
Baths
1
Living Area
1,147 sqft
Lot Size
3,302 sqft
Year Built
1950
Days on Market
173
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$53
Insurance / Mo
$32
Property Description
This 2 bedroom, 1 bath has ample square footage including an updated kitchen and bathroom with a jetted tub. Located near Washington Blvd. with quick access to Oakland, Route 28 and Lawrenceville
Utility Allowances
Heating
$74
Selected 'natural_gas' for a 2-bedroom unit. Property details explicitly state 'Heating Features: Gas'.
Cooking
$6
Selected 'natural_gas' for a 2-bedroom unit. Property details list 'Gas Cook Top' and 'Gas Stove'.
Water Heating
$18
Selected 'natural_gas' for a 2-bedroom unit, assuming it is consistent with the primary gas heating system.
Air Conditioning
$11
Selected the fixed allowance for a 2-bedroom unit. Property details specify 'Cooling Features: Window A/C'.
Water
$66
Selected the fixed allowance for a 2-bedroom unit. Property details state 'Water Source: Public'.
Sewer
$99
Selected the fixed allowance for a 2-bedroom unit. Property details state 'Sewer: Public'.
Other Electric
$59
Selected the fixed allowance for a 2-bedroom unit for general electricity use.
Refrigerator
$0
Allowance is $0 because the property's inclusion list includes 'Refrigerator', indicating it is landlord-provided.
Range/Microwave
$0
Allowance is $0 because the property's inclusion list includes 'Microwave Oven', indicating it is landlord-provided.
Trash Collection
$0
Allowance is $0 as the utility schedule does not provide a value for this utility.
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$235
DP3 Annual Estimate$543
DP1 Monthly Equivalent$20
DP3 Monthly Equivalent$45
Replacement Value$31,300
Basis1,147 sqft / 1950
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Potential non-compliant bedroom egress windows (upper/attic bedrooms) — high inspection risk
- No visible smoke detectors and no visible carbon monoxide alarm — must be installed (CO required with gas appliances)
- No visible central heating system or documentation in photos — heating operability must be verified
- Concrete block garage opening shows spalling/staining at sides — monitor for structural degradation (repair likely)
- Loose/dangling electrical cord and unclear GFCI protection near kitchen sink — electrical safety items require verification/repair
Assumptions
- Smoke detectors and carbon monoxide alarms are not visible in provided photos and are assumed to be absent or not confirmed; installer/owner should verify and/or install compliant units.
- Heating system (furnace/boiler) and water heater are present but were not photographed; their operability is unverified. Assessment assumes likely functional but requires verification.
- Kitchen appliances shown (gas range, refrigerator, dishwasher, microwave) are assumed operational based on appearance; functional testing recommended.
- Bedroom windows in upper/attic rooms may be smaller than NSPIRE egress requirements based on photos; assumed potential egress deficiency until measured.
- No rental history in last 5 years per snapshot; rental_history_activity criterion excluded from overall score.
- No interior electrical panel photos; assessment assumes typical, code-compliant panel unless inspection finds otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $616 | $42,900 | $24,900 |
| 2024 | $573 | $42,900 | $24,900 |
| 2023 | $573 | $42,900 | $24,900 |
| 2022 | $566 | $42,900 | $24,900 |
| 2021 | $566 | $42,900 | $24,900 |
| 2020 | $563 | $42,900 | $24,900 |
| 2019 | $563 | $42,900 | $24,900 |
| 2018 | $563 | $42,900 | $24,900 |
| 2017 | $563 | $42,900 | $24,900 |
| 2016 | $719 | $42,900 | $24,900 |
| 2015 | $719 | $42,900 | $24,900 |
| 2014 | $682 | $42,900 | $24,900 |
| 2013 | $788 | $42,900 | $24,900 |
| 2012 | $1,140 | $37,500 | $22,500 |
| 2011 | $1,102 | $37,500 | $22,500 |
| 2010 | $1,032 | $37,500 | $22,500 |
| 2009 | $661 | $37,500 | $22,500 |
| 2008 | $661 | $37,500 | $22,500 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-09 | Price Changed | $115,000 |
| 2025-10-18 | Listed | $130,000 |
| 1977-11-18 | Sold | $25,000 |
Photo Gallery
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"parent_category": "Interior"
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"parent_category": "Interior"
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"category": "Interior Features",
"parent_category": "Interior"
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{
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"Lot Size Dimensions: 0.0758",
"Lot Size Square Feet: 3302"
],
"category": "Land Info",
"parent_category": "Exterior"
},
{
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"category": "Garage and Parking",
"parent_category": "Exterior"
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{
"text": [
"School District: Pittsburgh"
],
"category": "School Information",
"parent_category": "Community"
},
{
"text": [
"Annual Tax Amount: 616",
"Source Listing Status: Under Contract",
"County: Allegheny-East",
"Directions: Take the Highland Park Bridge to Washington Blvd. Turn left up Highland Dr/Leech Farm Road. Turn right on Lemington Ave. Turn right on Oberlin Street.",
"Disclaimer: Information Deemed Reliable, But Not Guaranteed",
"Source Property Type: Residential",
"Home Warranty: No",
"Inclusions: Auto Door on Garage,Convection Oven,Dishwasher,Disposal,Gas Cook Top,Gas Stove,Jet Spray Tub,Microwave Oven,Refrigerator,Screens,Security System,Wall to Wall Carpet,Washer/Dryer,Window A/C,Window Treatments",
"Area: East Liberty",
"Source Neighborhood: East Liberty",
"Property Subtype: Residence/Single Family"
],
"category": "Other Property Info",
"parent_category": "Listing"
},
{
"text": [
"Total Square Feet Living: 1147",
"Year Built: 1950",
"Building Area Total: 1147",
"Construction Materials: Brick",
"Insulation: Yes",
"Property Age: 76",
"Roof: Asphalt",
"Levels or Stories: 2 Story or 2 Level",
"Structure Type: Brick",
"House Style: 2 Story or 2 Level",
"Year Built Details: Existing",
"Architectural Style: Colonial"
],
"category": "Building and Construction",
"parent_category": "Features"
},
{
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"price_sqft": 21.79598953792502,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Residential - electrical - minor alteration",
"permit_effective_date": "Dec 14, 2020",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Residential - electrical - minor alteration",
"permit_effective_date": "Nov 24, 2020",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Final",
"permit_type_of_work": "Building",
"permit_effective_date": "Mar 10, 2014",
"permit_project_type_1": "Doors and windows",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Final",
"permit_type_of_work": "Building",
"permit_effective_date": "Mar 10, 2014",
"permit_project_type_1": "Doors and windows",
"permit_project_type_2": "Home addition",
"permit_project_type_3": "Residential"
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "3437825153",
"generated_at": "2026-02-24T23:33:14.504416Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.4
},
"utility_allowance": {
"zip_code": "15206",
"home_photo": "https://ap.rdcpix.com/0c9c8b94a3c1394df011e206b7833247l-m762062927s-w1280.jpg",
"rent_price": 1976.0,
"loan_amount": 92000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1512-Oberlin-St_Pittsburgh_PA_15206_M34378-25153",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 115000.0,
"loan_term_years": 30,
"annual_cash_flow": 20317.32,
"mortgage_monthly": 612.08,
"payment_standard": 2309.0,
"total_amount_out": 23000.0,
"additional_photos": [
"https://ap.rdcpix.com/0c9c8b94a3c1394df011e206b7833247l-m1786576216s-w1280.jpg",
"https://ap.rdcpix.com/0c9c8b94a3c1394df011e206b7833247l-m957878779s-w1280.jpg",
"https://ap.rdcpix.com/0c9c8b94a3c1394df011e206b7833247l-m518769127s-w1280.jpg",
"https://ap.rdcpix.com/0c9c8b94a3c1394df011e206b7833247l-m695639364s-w1280.jpg",
"https://ap.rdcpix.com/0c9c8b94a3c1394df011e206b7833247l-m496999001s-w1280.jpg",
"https://ap.rdcpix.com/0c9c8b94a3c1394df011e206b7833247l-m58715782s-w1280.jpg",
"https://ap.rdcpix.com/0c9c8b94a3c1394df011e206b7833247l-m836033312s-w1280.jpg",
"https://ap.rdcpix.com/0c9c8b94a3c1394df011e206b7833247l-m4148163766s-w1280.jpg",
"https://ap.rdcpix.com/0c9c8b94a3c1394df011e206b7833247l-m1177246019s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 32.42,
"monthly_cash_flow": 1693.11,
"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": "Selected 'natural_gas' for a 2-bedroom unit. Property details explicitly state 'Heating Features: Gas'.",
"utility": "Heating",
"allowance": 74
},
{
"note": "Selected 'natural_gas' for a 2-bedroom unit. Property details list 'Gas Cook Top' and 'Gas Stove'.",
"utility": "Cooking",
"allowance": 6
},
{
"note": "Selected 'natural_gas' for a 2-bedroom unit, assuming it is consistent with the primary gas heating system.",
"utility": "Water Heating",
"allowance": 18
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit. Property details specify 'Cooling Features: Window A/C'.",
"utility": "Air Conditioning",
"allowance": 11
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit. Property details state 'Water Source: Public'.",
"utility": "Water",
"allowance": 66
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit. Property details state 'Sewer: Public'.",
"utility": "Sewer",
"allowance": 99
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit for general electricity use.",
"utility": "Other Electric",
"allowance": 59
},
{
"note": "Allowance is $0 because the property's inclusion list includes 'Refrigerator', indicating it is landlord-provided.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Allowance is $0 because the property's inclusion list includes 'Microwave Oven', indicating it is landlord-provided.",
"utility": "Range/Microwave",
"allowance": 0
},
{
"note": "Allowance is $0 as the utility schedule does not provide a value for this utility.",
"utility": "Trash Collection",
"allowance": 0
}
],
"cash_on_cash_return": 0.88,
"down_payment_amount": 23000.0,
"property_tax_annual": 634.48,
"property_tax_monthly": 52.87,
"property_tax_increase": 0.03,
"utility_allowance_total": 333.0,
"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"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 12972.38,
"property_management_monthly": 197.6,
"monthly_cash_flow_after_debt": 1081.03,
"cash_on_cash_return_after_debt": 0.56
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property generally appears in good cosmetic condition with an updated kitchen and functioning major appliances — likely rentable after minor repairs and verification. Primary NSPIRE risks are lack of visible smoke/CO detectors (CO required because of gas range), potential bedroom egress non-compliance for upper/attic-style bedrooms, and lack of visible central heating documentation. These items are repair/verification tasks rather than evidence of structural failure. Expect 2–6 weeks to prepare for an initial HCV/NSPIRE inspection depending on addressing life-safety items (install detectors, confirm egress or replace/modify windows, verify heating and electrical/GFCI protection).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears updated in key areas (kitchen cabinets, appliances, dishwasher, updated bathroom claimed). Cosmetic issues visible: scuffed/chipped doors, a missing lower cabinet panel/open shelving, heavy interior paint wear, and some clutter. Appliances (gas stove, refrigerator, microwave, dishwasher) are present and look serviceable — missing appliances are not an issue. These are mostly easy-to-fix / cosmetic items; no visible large-scale deferred maintenance inside photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items not visually confirmed: no visible smoke detectors or carbon monoxide alarm (CO required because of gas range), bedroom egress windows may be undersized (attic/upper bedrooms with small windows and window AC); that is an inspection risk. Entry door appears to have locks but deadbolt not clearly visible. No obvious exposed high-voltage wiring, though a loose cord is visible near the kitchen entry. GFCI protection at kitchen sink not clearly visible. No active leaks, severe mold, sagging ceilings, or collapsed elements visible. Because missing/uncertain life-safety devices and potential egress non-compliance are high priority, score reduced to reflect likely pre-inspection fixes required."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "Kitchen plumbing and appliances appear functional (sink, dishwasher). Gas range and over-the-range microwave present. No furnace/central HVAC or water heater shown in photos; bedroom uses window AC which suggests either no central A/C or alternative cooling. Roof appears intact from street view (no visible sag or active leaks), and brick envelope looks sound. Electrical panel, water heater and heating system condition not shown — unknown but typical for a maintained 1950 house. Given functioning kitchen/bath updates but missing visible verification of heating and service records, assign a moderate score."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Brick exterior and roofline look generally intact. Front porch, awning and railings are present; railing exists on steps and porch. Concrete block garage shows staining and some surface spalling at sides of opening which is cosmetic but should be monitored. Sloped yard and retaining wall are functional but show wear; driveway is gravel. No obvious standing water or major foundation displacement visible. Overall exterior shows minor to moderate maintenance needs."
}
],
"red_flags": [
"Potential non-compliant bedroom egress windows (upper/attic bedrooms) — high inspection risk",
"No visible smoke detectors and no visible carbon monoxide alarm — must be installed (CO required with gas appliances)",
"No visible central heating system or documentation in photos — heating operability must be verified",
"Concrete block garage opening shows spalling/staining at sides — monitor for structural degradation (repair likely)",
"Loose/dangling electrical cord and unclear GFCI protection near kitchen sink — electrical safety items require verification/repair"
],
"confidence": 0.6,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in provided photos and are assumed to be absent or not confirmed; installer/owner should verify and/or install compliant units.",
"Heating system (furnace/boiler) and water heater are present but were not photographed; their operability is unverified. Assessment assumes likely functional but requires verification.",
"Kitchen appliances shown (gas range, refrigerator, dishwasher, microwave) are assumed operational based on appearance; functional testing recommended.",
"Bedroom windows in upper/attic rooms may be smaller than NSPIRE egress requirements based on photos; assumed potential egress deficiency until measured.",
"No rental history in last 5 years per snapshot; rental_history_activity criterion excluded from overall score.",
"No interior electrical panel photos; assessment assumes typical, code-compliant panel unless inspection finds otherwise."
],
"overall_score": 67.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "Overall the property looks like a mostly updated, occupied single-family with a modern kitchen and intact exterior brickwork. Primary inspection risks are missing/undocumented life-safety items (no visible smoke/CO alarms), possible inadequate bedroom egress for upper-level rooms, uncertain GFCI protection in the kitchen, and lack of visible central heating/hot water equipment in provided images. Most issues appear fixable with 1–4 repairs (install/verify alarms, provide required handrails, confirm/label HVAC & hot water, install/verify GFCI outlets and correct any permanent extension-cord use). Likely outcome: with corrective actions and verification the unit should pass an initial HCV/NSPIRE inspection; as-is there is moderate risk of initial failures (score ~65 = minor-to-moderate repairs).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Kitchen and bath appear updated; photos show newer cabinets, range, microwave, dishwasher and refrigerator. Cosmetic wear is visible (scuffed/peeling paint on interior doors, missing cabinet front/unfinished shelf under island, mixed floor coverings). Exterior brick and garage door appear intact. Missing small cabinet drawer/panel and some finish work are easy-to-fix. No obvious significant water stains, collapsed ceilings or major interior structural damage visible in supplied images."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "Visible safety concerns that could cause inspection failures: no smoke detectors or carbon monoxide alarms are apparent in photos (common immediate fail). Kitchen outlet type/GFCI protection cannot be confirmed; visible outlet near stove does not appear to be a GFCI. A loose/temporary power cord is visible on a wall which suggests potential permanent use of extension cords. Exterior front steps show partial railing but may lack a continuous handrail on the full run (likely required). Bedrooms on the upper level have small windows (one with a window AC) that may not meet egress requirements for a legal bedroom — unclear from photos. No active leaks, major mold, collapsed ceilings or exposed live wiring were observed. These items raise moderate-to-high risk of initial inspection failure until verified or corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 60.0,
"rationale": "Kitchen plumbing fixtures, sink and dishwasher are present and look intact. Appliances (gas range) indicate gas service; stove and microwave appear in good condition. No visible furnace/boiler, water heater, electrical panel, or HVAC equipment in photos — their presence and functionality are therefore assumed but unverified. No visible roof leaks or ceiling stains in interior photos. Because major mechanicals are not shown, there's a moderate risk that an inspector will request proof of operational heating and hot water; absence or failure of these systems would be a fail. Given the house is lived-in and has functioning appliances, it is reasonable to assume systems are present but verification is required."
},
{
"key": "exterior_site",
"label": "Exterior, site, drainage, walkways",
"score": 70.0,
"rationale": "Exterior brick facade and garage appear sound with no visible major cracking. Retaining wall present and yard slopes down to the street; no standing water visible. Front concrete steps and small retaining walls show normal wear and cosmetic paint; porch has a metal railing. However exterior stairs may not have a continuous handrail on both sides and the painted stair nosing looks worn — these are likely easy repairs but should be corrected for safety/code. Vegetation and trees are adjacent to the building but no clear sign of infestation or severe neglect."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (likely required).",
"Possible inadequate bedroom egress (small/upstairs windows shown) — may fail egress requirement.",
"Exterior front stairs may lack a continuous/proper handrail for the full run.",
"Unconfirmed central heating and hot water systems (no furnace/boiler/water heater photos).",
"Potential for non-GFCI protected kitchen outlets and visible use of a temporary/permanent extension cord."
],
"confidence": 0.6,
"assumptions": [
"Central heating system and water heater are present and operational but were not photographed; assumed present due to occupied condition.",
"No active roof leaks or major hidden water intrusion since no interior staining or mold is visible in photos.",
"Electrical service and main panel are intact and meet code; their condition is unknown because they were not photographed.",
"Smoke and carbon monoxide detectors are not present (none visible) and therefore treated as missing until confirmed.",
"Kitchen appliances shown are functional; the gas stove appears properly installed but gas connection was not inspected in photos.",
"Upper-level bedrooms are used as bedrooms; window sizes/egress capability are assumed uncertain due to small window photos."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2-bed/1-bath brick single-family appears largely sound and moderately close to rent-ready: updated kitchen and appliances present, solid exterior envelope, and no visible severe structural failures. Primary inspection risks are safety/compliance items: no visible smoke/CO detectors, potential exposed electrical wiring and non-GFCI countertop outlet, and unclear bedroom egress. Major mechanical items (furnace, water heater, electrical panel) were not photographed and require verification. With targeted fixes (install/verify smoke & CO alarms, correct electrical cover/GFCI issues, repair/secure wiring, confirm heating/water heater/electrical panel condition, ensure bedroom egress) this property would likely pass an initial HCV/NSPIRE inspection within ~2–4 weeks. If heating or panel issues are discovered, additional work could be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior photos show a recently-updated kitchen with intact cabinets, countertops and functioning appliances (stove, microwave, refrigerator, dishwasher). Flooring appears serviceable (laminate in kitchen, carpet in bedrooms). Cosmetic issues: chipped/peeling paint on interior doors, scuffed trim, and some clutter. Exterior shows intact brick and porch structure though paint on steps and retaining wall is worn. Missing/loose cabinet panel under counter visible. Overall mostly cosmetic and minor repairs; appliances present so missing-appliance penalty does not apply."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "Multiple safety compliance concerns visible or reasonably inferred: no smoke detectors or carbon monoxide detectors are visible in photos (required, especially with a gas range). There is an exposed/dangling electrical cord and at least one switch/outlet plate area that looks incomplete near the kitchen/door — potential electrical hazard. The outlet adjacent to the countertop/sink does not appear to be GFCI-protected (GFCI protection required for countertop outlets in many local interpretations of safety code). Bedroom windows appear small and egress compliance cannot be confirmed from photos; the window AC installation in one bedroom may restrict egress. Porch has a railing but stair handrail condition is borderline and the front steps show wear. These items raise moderate inspection risk; none of the photos show active water intrusion, collapsed ceilings, or severe structural failure."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, plumbing, electrical, roof)",
"score": 60.0,
"rationale": "Kitchen appliances appear operable (gas range present, microwave, dishwasher, refrigerator). No furnace/boiler, water heater, or electrical panel photos provided — their condition is unknown. A window AC unit is present in bedroom indicating cooling is available, but lack of visible central heating equipment in photos prevents verification of functioning heat (likely located in basement/garage but not shown). Roof appears generally intact from front view (no visible sagging or active leaks). Given missing direct evidence of heating, panel and water heater condition, treat systems as moderately likely serviceable but requiring verification and possible minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior, yard and site condition",
"score": 70.0,
"rationale": "Brick exterior and garage door appear intact; front porch structure and metal railings are present. Retaining wall and front slope show minor neglect (weedy/patchy planting bed) and paint wear on steps and concrete block surfaces. Driveway/parking area is gravel and usable. No evidence of standing water, major foundation cracks, or exterior structural sagging in the provided front elevation image. Overall site issues are cosmetic and maintenance-related."
}
],
"red_flags": [
"Exposed/dangling electrical cord and incomplete outlet/switch plate visible in kitchen area (electrical hazard).",
"No visible smoke detectors or carbon monoxide detector in photos despite presence of a gas range (inspection fail risk).",
"Countertop outlet near sink does not appear GFCI-protected (potential code fail in kitchen/bath areas).",
"Bedroom egress not confirmed; window size/clearance may be inadequate and window AC could restrict escape."
],
"confidence": 0.65,
"assumptions": [
"Primary heating equipment (furnace/boiler) and electrical service panel are located in basement/garage/out of frame and are present but were not photographed.",
"Bathroom is updated as the listing states (jetted tub), but its safety features (GFCI in bathroom, ventilation, grout/caulking) were not visible and must be verified.",
"Smoke detectors and carbon monoxide alarms are not installed or not visible in provided photos; inspector will require working, properly-located devices.",
"Window sizes and dimensions were not measured; bedroom egress compliance is uncertain and assumed potentially marginal based on window appearance.",
"No active roof leaks or significant water intrusion are present since none were visible in interior ceiling photos; small leaks could be hidden.",
"Minor cosmetic wear (paint chips, scuffed steps) does not indicate deeper structural issues unless further inspection reveals otherwise."
],
"overall_score": 64.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1512 Oberlin St, Pittsburgh, PA, 15206",
"aggregate": {
"summary": "Overall the property generally appears in good cosmetic condition with an updated kitchen and functioning major appliances — likely rentable after minor repairs and verification. Primary NSPIRE risks are lack of visible smoke/CO detectors (CO required because of gas range), potential bedroom egress non-compliance for upper/attic-style bedrooms, and lack of visible central heating documentation. These items are repair/verification tasks rather than evidence of structural failure. Expect 2–6 weeks to prepare for an initial HCV/NSPIRE inspection depending on addressing life-safety items (install detectors, confirm egress or replace/modify windows, verify heating and electrical/GFCI protection).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears updated in key areas (kitchen cabinets, appliances, dishwasher, updated bathroom claimed). Cosmetic issues visible: scuffed/chipped doors, a missing lower cabinet panel/open shelving, heavy interior paint wear, and some clutter. Appliances (gas stove, refrigerator, microwave, dishwasher) are present and look serviceable — missing appliances are not an issue. These are mostly easy-to-fix / cosmetic items; no visible large-scale deferred maintenance inside photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Brick exterior and roofline look generally intact. Front porch, awning and railings are present; railing exists on steps and porch. Concrete block garage shows staining and some surface spalling at sides of opening which is cosmetic but should be monitored. Sloped yard and retaining wall are functional but show wear; driveway is gravel. No obvious standing water or major foundation displacement visible. Overall exterior shows minor to moderate maintenance needs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 53.3,
"rationale": "Several NSPIRE safety items not visually confirmed: no visible smoke detectors or carbon monoxide alarm (CO required because of gas range), bedroom egress windows may be undersized (attic/upper bedrooms with small windows and window AC); that is an inspection risk. Entry door appears to have locks but deadbolt not clearly visible. No obvious exposed high-voltage wiring, though a loose cord is visible near the kitchen entry. GFCI protection at kitchen sink not clearly visible. No active leaks, severe mold, sagging ceilings, or collapsed elements visible. Because missing/uncertain life-safety devices and potential egress non-compliance are high priority, score reduced to reflect likely pre-inspection fixes required."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 61.7,
"rationale": "Kitchen plumbing and appliances appear functional (sink, dishwasher). Gas range and over-the-range microwave present. No furnace/central HVAC or water heater shown in photos; bedroom uses window AC which suggests either no central A/C or alternative cooling. Roof appears intact from street view (no visible sag or active leaks), and brick envelope looks sound. Electrical panel, water heater and heating system condition not shown — unknown but typical for a maintained 1950 house. Given functioning kitchen/bath updates but missing visible verification of heating and service records, assign a moderate score."
}
],
"red_flags": [
"Potential non-compliant bedroom egress windows (upper/attic bedrooms) — high inspection risk",
"No visible smoke detectors and no visible carbon monoxide alarm — must be installed (CO required with gas appliances)",
"No visible central heating system or documentation in photos — heating operability must be verified",
"Concrete block garage opening shows spalling/staining at sides — monitor for structural degradation (repair likely)",
"Loose/dangling electrical cord and unclear GFCI protection near kitchen sink — electrical safety items require verification/repair"
],
"confidence": 0.94,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in provided photos and are assumed to be absent or not confirmed; installer/owner should verify and/or install compliant units.",
"Heating system (furnace/boiler) and water heater are present but were not photographed; their operability is unverified. Assessment assumes likely functional but requires verification.",
"Kitchen appliances shown (gas range, refrigerator, dishwasher, microwave) are assumed operational based on appearance; functional testing recommended.",
"Bedroom windows in upper/attic rooms may be smaller than NSPIRE egress requirements based on photos; assumed potential egress deficiency until measured.",
"No rental history in last 5 years per snapshot; rental_history_activity criterion excluded from overall score.",
"No interior electrical panel photos; assessment assumes typical, code-compliant panel unless inspection finds otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 65.4,
"rubric_version": "2026-02-24-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3437825153"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.