Property ID: 3492666037
386 W Finley St, Upper Sandusky, OH, 43351
Upper Sandusky, OH
Money Down: $19,200
CoC Return: -0.12%
Monthly Cash Flow: $-2
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,000
Closing Costs
$3,200
Total Down
$19,200
Investment Snapshot
Purchase Price
$80,000
Money Down
$19,200
Cash-on-Cash Return
-0.12%
Rent
$622
Monthly Cash Flow
$-2
Annual Cash Flow
$-22
Debt Service / Mo
$426
Property Tax / Mo
$92
Insurance / Mo
$44
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$622
Payment Standard
$800
Rent
$622
Insurance
$44
Property Tax
$92
Management
$62
Utilities Allowance
$178
NOI (Monthly)
$424
Debt Service
$426
Cash Flow After Debt
$-2
Quality Score: 67.60%
Confidence: 95.00%
This 1-bed single-family house appears largely rent-ready with mostly cosmetic and moderate-repair items. Key positives: range, refrigerator and in-unit washer/dryer are present; metal roof and siding appear serviceable; HVAC condenser and vents indicate a forced-air system. Primary inspection risks are missing/undocumented smoke and CO detectors, unverified bedroom egress, and lack of photographed furnace/water heater (verification required). The front porch decking and some trim/rail corrosion need repair but are not structural emergencies. With installation of required detectors, verification of heating/hot water and minor exterior/interior repairs, this property is likely to pass a Housing Choice Voucher initial inspection within ~2–4 weeks.
Section 8 Payment Standard
$800
Utility Allowance Total
$178
Guaranteed Section 8 Rent (PS - Utilities)
$622
Property Management
$62
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$80,000
Beds
1
Baths
1
Living Area
704 sqft
Lot Size
5,227 sqft
Year Built
1940
Days on Market
84
Capital Outlay
$19,200
Debt Service
$426
Property Tax / Mo
$92
Insurance / Mo
$44
Property Description
This 1 bedroom, 1 bath home is conveniently located near Union School. The home has an eat-in kitchen and a nice-sized living room. The washer and dryer are on the main floor. One car detached garage. Just needs your TLC.
Utility Allowances
heating
$48
Selected 'natural_gas' for a 1-bedroom unit. Property details explicitly state 'Natural Gas' for heating.
cooking
$8
Selected 'natural_gas' for a 1-bedroom unit. This fuel type is consistent with the property's natural gas heating system.
water_heating
$21
Selected 'natural_gas' for a 1-bedroom unit. This is inferred from the property's natural gas heating system, which is a common configuration.
air_conditioning
$0
The property has 'Central Air', but the utility schedule's allowance for Air Conditioning is null for this unit size, resulting in a $0 allowance.
other_electric
$25
Selected the fixed allowance for general electric use (lights and outlets) in a 1-bedroom unit.
water
$20
Selected the fixed allowance for a 1-bedroom unit. Property details confirm connection to 'Public' water.
sewer
$23
Selected the fixed allowance for a 1-bedroom unit. Property details confirm connection to 'Sanitary Sewer'.
trash_collection
$25
Selected the fixed allowance for a 1-bedroom unit, as trash collection is a standard utility for a single-family home.
range
$8
Selected the allowance for a tenant-owned range for a 1-bedroom unit. A range/oven was not explicitly listed as a provided appliance in the property details.
refrigerator
$0
The allowance is $0 because property details explicitly list 'Refrigerator' as a provided appliance, making it an owner expense.
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$510
DP3 Annual Estimate$534
DP1 Monthly Equivalent$42
DP3 Monthly Equivalent$44
Replacement Value$88,050
Basis704 sqft / 1940
Nearby Houses
Photo unavailable
366 W Finley St
sold · 0.03 mi
Price: $89,000
3 bd / 2 ba · 1,196 sqft
Latest sale: $89,000 on Apr 28, 2023
Latest rent: —
Photo unavailable
360 W Finley St
sold · 0.05 mi
Price: $75,000
— bd / — ba · 1,904 sqft
Latest sale: $75,000 on Oct 31, 2022
Latest rent: —
Photo unavailable
348 W Finley St
sold · 0.07 mi
Price: $142,500
3 bd / 2 ba · 1,706 sqft
Latest sale: $142,500 on Sep 13, 2018
Latest rent: —
Photo unavailable
351 W Finley St
sold · 0.08 mi
Price: $85,000
4 bd / 2 ba · 1,776 sqft
Latest sale: $85,000 on Jun 28, 2017
Latest rent: —
Photo unavailable
212 N Hazel St
sold · 0.08 mi
Price: $128,500
2 bd / 1 ba · 1,424 sqft
Latest sale: $128,500 on May 10, 2022
Latest rent: —
Photo unavailable
349 W Bigelow St
sold · 0.09 mi
Price: $90,000
2 bd / 1 ba · 624 sqft
Latest sale: $90,000 on Mar 19, 2024
Latest rent: $900 on Apr 12, 2023
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE fail if not present/working).
- Bedroom egress not documented (egress window size/operation unknown).
- Front porch decking and bottom skirt show rot and rail corrosion — trip/fall or structural risk if not repaired.
- Heating and hot water appliances not photographed or documented (system presence/operation not verified).
- Property built 1940 — potential lead-based paint risk for painted surfaces (presume lead hazard until tested).
Assumptions
- Photos represent the full interior condition (no additional rooms with severe defects hidden).
- Stove, refrigerator, washer and dryer shown are included and functional or easily made functional (listing indicates washer/dryer on main).
- An operational heating system exists (inferred from exterior A/C condenser and interior floor vents) although the furnace/water heater were not photographed.
- Roof metal panels are watertight as they appear (no active leak signs inside).
- No severe concealed mold, active pest infestation, or hidden structural movement beyond what is visible.
- Windows in the bedroom(s) meet egress size requirements or will be adjusted if needed; egress not confirmed in photos.
- Smoke detectors and CO alarms are not visible in photos and are assumed absent unless owner supplies documentation; these must be installed for pass.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,076 | $99,770 | $34,920 |
| 2024 | $536 | $99,770 | $34,920 |
| 2023 | $536 | $47,050 | $16,468 |
| 2022 | $536 | $47,050 | $16,468 |
| 2021 | $489 | $41,060 | $14,371 |
| 2020 | $489 | $41,060 | $14,371 |
| 2019 | $488 | $41,060 | $14,371 |
| 2018 | $381 | $32,630 | $11,421 |
| 2017 | $378 | $32,630 | $11,421 |
| 2016 | $354 | $32,630 | $11,421 |
| 2015 | $329 | $30,200 | $10,571 |
| 2014 | $308 | $30,200 | $10,570 |
| 2013 | $307 | $30,200 | $10,570 |
| 2012 | $360 | $35,260 | $12,340 |
| 2011 | $360 | $35,260 | $12,340 |
| 2009 | $409 | $39,660 | $13,880 |
| 2008 | $380 | $39,660 | $13,880 |
| 2006 | $626 | $39,060 | $13,670 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2017-12-05 | Sold | $22,000 |
| 2005-02-18 | Sold | $405 |
Photo Gallery
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"utility": "heating",
"allowance": 48
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{
"note": "Selected 'natural_gas' for a 1-bedroom unit. This fuel type is consistent with the property's natural gas heating system.",
"utility": "cooking",
"allowance": 8
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{
"note": "Selected 'natural_gas' for a 1-bedroom unit. This is inferred from the property's natural gas heating system, which is a common configuration.",
"utility": "water_heating",
"allowance": 21
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{
"note": "The property has 'Central Air', but the utility schedule's allowance for Air Conditioning is null for this unit size, resulting in a $0 allowance.",
"utility": "air_conditioning",
"allowance": 0
},
{
"note": "Selected the fixed allowance for general electric use (lights and outlets) in a 1-bedroom unit.",
"utility": "other_electric",
"allowance": 25
},
{
"note": "Selected the fixed allowance for a 1-bedroom unit. Property details confirm connection to 'Public' water.",
"utility": "water",
"allowance": 20
},
{
"note": "Selected the fixed allowance for a 1-bedroom unit. Property details confirm connection to 'Sanitary Sewer'.",
"utility": "sewer",
"allowance": 23
},
{
"note": "Selected the fixed allowance for a 1-bedroom unit, as trash collection is a standard utility for a single-family home.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Selected the allowance for a tenant-owned range for a 1-bedroom unit. A range/oven was not explicitly listed as a provided appliance in the property details.",
"utility": "range",
"allowance": 8
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{
"note": "The allowance is $0 because property details explicitly list 'Refrigerator' as a provided appliance, making it an owner expense.",
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],
"cash_on_cash_return": 0.32,
"down_payment_amount": 16000.0,
"property_tax_annual": 1108.28,
"property_tax_monthly": 92.36,
"property_tax_increase": 0.03,
"utility_allowance_total": 178.0,
"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": -22.2,
"property_management_monthly": 62.2,
"monthly_cash_flow_after_debt": -1.85,
"cash_on_cash_return_after_debt": 0.0
},
"section8_assessment": {
"runs": [
{
"summary": "This 1-bed single-family house appears largely rent-ready with mostly cosmetic and moderate-repair items. Key positives: range, refrigerator and in-unit washer/dryer are present; metal roof and siding appear serviceable; HVAC condenser and vents indicate a forced-air system. Primary inspection risks are missing/undocumented smoke and CO detectors, unverified bedroom egress, and lack of photographed furnace/water heater (verification required). The front porch decking and some trim/rail corrosion need repair but are not structural emergencies. With installation of required detectors, verification of heating/hot water and minor exterior/interior repairs, this property is likely to pass a Housing Choice Voucher initial inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior and exterior show cosmetically worn but serviceable condition. Kitchen has existing stove, refrigerator and washer/dryer (reduces capital needs). Carpets, beadboard walls and ceiling tiles are dated but intact. Front porch decking and skirt show weathering/soft wood and will need repair or replacement; paint/staining and minor trim repairs required. Detached garage door has surface rust and may need maintenance. Overall items appear cosmetic/medium-effort rather than structural."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No visible smoke or CO detectors in photos (fail risk unless installed). Porch has guardrail but shows corrosion; steps have a railing on at least one side. No exposed wiring or obvious electrical hazards in photos. Bedroom egress windows are not shown (egress compliance unverified). No visible mold or active leaks inside photos. Plumbing fixtures visible (kitchen sink) but hot water system not shown. Because smoke/CO and egress are not documented, safety score is reduced to moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 65.0,
"rationale": "Metal roof appears in good condition from photos (low risk). An exterior A/C condenser is present, implying central HVAC, and floor/return vents are visible; however the furnace and water heater are not pictured so operation and age are unverified. Electrical meter and service are present and appear intact from exterior; electrical panel not shown. Plumbing appears intact at visible fixtures. Given some system evidence but lack of verification for furnace/water heater, allocate moderate score."
},
{
"key": "exterior_site",
"label": "Exterior, site and immediate grounds",
"score": 75.0,
"rationale": "Vinyl siding is generally intact; gutters/downspouts present. Concrete foundation and bulkhead appear serviceable. Yard and sidewalks are clear; no standing water visible. Front porch decking and skirt show rot/age and will need repair; detached garage shows rust on roll-up door. Overall exterior appears maintained enough for occupancy after minor repairs."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE fail if not present/working).",
"Bedroom egress not documented (egress window size/operation unknown).",
"Front porch decking and bottom skirt show rot and rail corrosion — trip/fall or structural risk if not repaired.",
"Heating and hot water appliances not photographed or documented (system presence/operation not verified).",
"Property built 1940 — potential lead-based paint risk for painted surfaces (presume lead hazard until tested)."
],
"confidence": 0.65,
"assumptions": [
"Photos represent the full interior condition (no additional rooms with severe defects hidden).",
"Stove, refrigerator, washer and dryer shown are included and functional or easily made functional (listing indicates washer/dryer on main).",
"An operational heating system exists (inferred from exterior A/C condenser and interior floor vents) although the furnace/water heater were not photographed.",
"Roof metal panels are watertight as they appear (no active leak signs inside).",
"No severe concealed mold, active pest infestation, or hidden structural movement beyond what is visible.",
"Windows in the bedroom(s) meet egress size requirements or will be adjusted if needed; egress not confirmed in photos.",
"Smoke detectors and CO alarms are not visible in photos and are assumed absent unless owner supplies documentation; these must be installed for pass."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 1-bed, 1-bath single-family appears to be a generally sound, low‑cost rental candidate that needs mostly cosmetic and light-capital repairs. Strengths: newer-looking metal roof, HVAC condenser present, appliances included, intact siding and foundation with no obvious severe structural damage. Main inspection risks: no visible smoke detectors/CO alarms, deteriorated front porch decking (potential safety hazard), uncertain GFCI protection near sink, and unverified water heater/furnace condition. With targeted fixes (install/verify smoke & CO detectors, repair/replace porch decking and stair treads, install GFCI outlets where required, service HVAC/furnace and water heater as needed) this property is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Overall condition appears serviceable but dated. Interior finishes (beadboard paneling, ceiling tiles) are worn but intact. Kitchen and laundry appliances are present (stove, fridge, washer/dryer) which reduces immediate capital needs. Porch decking and skirt show weathering/rot and will need repair or replacement; garage door shows rust. No collapsed ceilings, exposed subfloor or heavy interior damage visible. Missing cosmetic TLC likely (paint, trim, some carpentry). Missing pictures of bathroom/bedroom limit assessment but photos show minor-to-moderate deferred maintenance rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / Inspection Risk (NSPIRE)",
"score": 58.0,
"rationale": "Visible safety compliance concerns: no smoke detectors are visible in any interior photos (fail risk on most NSPIRE inspections). Carbon monoxide detector not visible (required if fuel-burning appliances or attached garage). GFCI protection not evident at kitchen sink area in photos. Porch decking shows deterioration which could be an unsafe walking surface; steps have handrails but decking condition suggests further evaluation. Electrical service and meter are present and appear intact with no obvious exposed wiring, and no active roof leaks or collapsed ceilings were observed. Bedroom egress cannot be fully confirmed from photos (bedroom images not provided)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Major system indicators are generally positive: visible exterior AC unit and floor registers indicate forced-air HVAC presence; roof appears to be newer metal, which reduces near-term roof concerns. Electrical service appears present and intact at the meter. Water heater and furnace locations and ages are not shown (unknown). No visible plumbing leaks, no standing water, and no collapsed ceilings. Because equipment ages and operation were not verified, a mid-range score reflects likely serviceable systems but some unknowns that could surface on inspection or testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.0,
"rationale": "Vinyl siding and soffits generally intact; concrete foundation visible with no obvious large cracks in photos. Yard and walkways are serviceable. Detached one-car garage is present but door shows rust and may need service/repair. Basement bulkhead looks intact. Front porch decking and skirt are weathered and likely need replacement; gutters/downspouts appear present. Drainage appears typical and no standing water visible. Overall exterior shows maintenance needs but no major structural movement evident from photos."
}
],
"red_flags": [
"No visible smoke detectors inside the unit (NSPIRE fail risk).",
"Front porch decking and skirt show significant weathering/rot — potential trip/fall and structural hazard to occupants.",
"No visible carbon monoxide alarm (if fuel-burning appliances or attached garage present, CO alarm required).",
"No visible GFCI protection at kitchen sink area in photos (potential electrical safety/code issue)."
],
"confidence": 0.7,
"assumptions": [
"No interior photos of the bedroom or bathroom were provided; assumed bedroom window(s) provide egress but this is unverified.",
"No smoke or carbon monoxide detectors are visible in photos; assume none are installed or they are not compliant.",
"Water heater and furnace locations and operating condition are not shown; assume present but unverified.",
"Electrical panel condition and age are not documented; assumed intact service connection at meter but no evidence of hazardous exposed wiring.",
"Kitchen sink GFCI protection is not visible; assumed to be absent or not clearly labeled.",
"Porch decking wood deterioration is assumed to extend to multiple boards and requires repair, based on visible weathering and staining.",
"No evidence of active roof leaks in photos; the metal roof is assumed to be in serviceable condition.",
"No recent rental history exists in the provided data, so rental_history_activity was excluded from scoring."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 1-bed/1-bath single-family home appears structurally sound with intact roof, serviceable exterior, and major appliances (stove, refrigerator, washer/dryer) present. Most issues are cosmetic or minor repairs (porch decking, interior finishes, dated ceiling tiles). The principal NSPIRE risks are missing/unstated safety devices (smoke and CO detectors), unclear GFCI protection and bedroom egress verification — these are typical inspection failures that are relatively quick to fix. With targeted safety fixes (install smoke/CO detectors, confirm/repair egress windows and GFCIs), a few porch repairs, and verification of HVAC/water heater function, the property is likely to pass an initial Housing Choice Voucher (Section 8) inspection within 30 days. Estimated time-to-rent-ready: 1–4 weeks if systems operate and detectors/egress/GFCI are remedied promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior and exterior are functional but cosmetically dated and show deferred maintenance. Interior: beadboard walls, older cabinetry, dated ceiling tiles and carpet but no visible collapsed ceilings or major damage; kitchen appliances (stove, refrigerator) and washer/dryer are present which reduces scope of work. Exterior: front porch decking and skirt boards are weathered and will need repair or replacement; some minor siding wear at base visible. Overall items are mostly cosmetic or local repairs (flooring, paint, porch boards) and would be quick to address."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious life-threatening hazards visible (no sagging roof, no collapsed ceilings, no standing water, no exposed live wiring seen). However key NSPIRE items are not visible in photos: no smoke detectors or CO detectors are shown, GFCI protection in kitchen/bath cannot be confirmed, bedroom egress window(s) are not clearly shown, and presence of a required deadbolt on primary entry is unclear. Porch steps and some decking show deterioration and could be a trip/handrail issue if not repaired. Because missing/uncertain required detectors and egress/GFCI items are common inspection fails, this area represents moderate risk and will likely require quick remediations."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Roof appears to be a newer metal roof in good visual condition with intact gutters. An outdoor HVAC condenser is visible (suggests forced-air system present). Electrical service and meter appear intact; no obvious exposed conductors. Water heater is not visible in photos so condition is unknown. Plumbing fixtures and hot water availability cannot be fully confirmed (bathroom photo missing) but kitchen sink and laundry hookups are present and look serviceable. Overall systems show no visible catastrophic failures but several items require verification/functional testing (HVAC operation, water heater, electrical GFCIs)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Vinyl siding and foundation look serviceable; yard, sidewalks and driveway are clear and present no major trip hazards. Detached one-car garage is usable but shows rust and wear on the roll-up door (may need service or replacement). Basement bulkhead is present and appears intact. Front porch structure and decking are weathered and should be repaired to ensure safe footing and code-compliant guards/handrails. No visible evidence of active water intrusion or major foundation movement from exterior photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in provided photos (NSPIRE/Section 8 immediate fail if missing).",
"Front porch decking and some skirt boards are weathered—possible rot or trip hazard that could lead to unsafe stairs/handrail citation.",
"Potential lack of GFCI-protected outlets in kitchen/bath (not visible) — common NSPIRE fail if absent.",
"Bedroom egress not clearly documented in photos — potential egress failure risk that must be confirmed."
],
"confidence": 0.65,
"assumptions": [
"No smoke detectors or carbon monoxide alarms were visible in the photos; assume they are not installed or not visible and will need to be verified/installed.",
"An outdoor HVAC condenser unit is present and assumed functional but operation was not verified; assume heating/AC likely serviceable but requires testing.",
"Water heater is not shown; assume one exists in the house and is functioning unless inspection reveals otherwise.",
"Kitchen appliances (stove and refrigerator) and washer/dryer shown are included and functional, but final verification is required.",
"Electrical panel is intact and service is standard; presence of GFCI outlets in kitchen/bath is unknown and assumed absent until confirmed.",
"Bedroom egress windows meet code size/egress requirements is unknown; assume they are likely standard but need confirmation at inspection.",
"Front entry lockset deadbolt presence is unknown and may need upgrade to meet PHA/operator expectations."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "386 W Finley St, Upper Sandusky, OH, 43351",
"aggregate": {
"summary": "This 1-bed single-family house appears largely rent-ready with mostly cosmetic and moderate-repair items. Key positives: range, refrigerator and in-unit washer/dryer are present; metal roof and siding appear serviceable; HVAC condenser and vents indicate a forced-air system. Primary inspection risks are missing/undocumented smoke and CO detectors, unverified bedroom egress, and lack of photographed furnace/water heater (verification required). The front porch decking and some trim/rail corrosion need repair but are not structural emergencies. With installation of required detectors, verification of heating/hot water and minor exterior/interior repairs, this property is likely to pass a Housing Choice Voucher initial inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.7,
"rationale": "Interior and exterior show cosmetically worn but serviceable condition. Kitchen has existing stove, refrigerator and washer/dryer (reduces capital needs). Carpets, beadboard walls and ceiling tiles are dated but intact. Front porch decking and skirt show weathering/soft wood and will need repair or replacement; paint/staining and minor trim repairs required. Detached garage door has surface rust and may need maintenance. Overall items appear cosmetic/medium-effort rather than structural."
},
{
"key": "exterior_site",
"label": "Exterior, site and immediate grounds",
"score": 72.7,
"rationale": "Vinyl siding is generally intact; gutters/downspouts present. Concrete foundation and bulkhead appear serviceable. Yard and sidewalks are clear; no standing water visible. Front porch decking and skirt show rot/age and will need repair; detached garage shows rust on roll-up door. Overall exterior appears maintained enough for occupancy after minor repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 59.3,
"rationale": "No visible smoke or CO detectors in photos (fail risk unless installed). Porch has guardrail but shows corrosion; steps have a railing on at least one side. No exposed wiring or obvious electrical hazards in photos. Bedroom egress windows are not shown (egress compliance unverified). No visible mold or active leaks inside photos. Plumbing fixtures visible (kitchen sink) but hot water system not shown. Because smoke/CO and egress are not documented, safety score is reduced to moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 68.3,
"rationale": "Metal roof appears in good condition from photos (low risk). An exterior A/C condenser is present, implying central HVAC, and floor/return vents are visible; however the furnace and water heater are not pictured so operation and age are unverified. Electrical meter and service are present and appear intact from exterior; electrical panel not shown. Plumbing appears intact at visible fixtures. Given some system evidence but lack of verification for furnace/water heater, allocate moderate score."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE fail if not present/working).",
"Bedroom egress not documented (egress window size/operation unknown).",
"Front porch decking and bottom skirt show rot and rail corrosion — trip/fall or structural risk if not repaired.",
"Heating and hot water appliances not photographed or documented (system presence/operation not verified).",
"Property built 1940 — potential lead-based paint risk for painted surfaces (presume lead hazard until tested)."
],
"confidence": 0.95,
"assumptions": [
"Photos represent the full interior condition (no additional rooms with severe defects hidden).",
"Stove, refrigerator, washer and dryer shown are included and functional or easily made functional (listing indicates washer/dryer on main).",
"An operational heating system exists (inferred from exterior A/C condenser and interior floor vents) although the furnace/water heater were not photographed.",
"Roof metal panels are watertight as they appear (no active leak signs inside).",
"No severe concealed mold, active pest infestation, or hidden structural movement beyond what is visible.",
"Windows in the bedroom(s) meet egress size requirements or will be adjusted if needed; egress not confirmed in photos.",
"Smoke detectors and CO alarms are not visible in photos and are assumed absent unless owner supplies documentation; these must be installed for pass."
],
"score_method": "mean_of_criteria",
"overall_score": 67.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3492666037"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.