Property ID: 3567226444
845 Marshall Ave, Pittsburgh, PA, 15214
Pittsburgh, PA
Money Down: $35,976
CoC Return: 40.98%
Monthly Cash Flow: $1,229
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$29,980
Closing Costs
$5,996
Total Down
$35,976
Investment Snapshot
Purchase Price
$149,900
Money Down
$35,976
Cash-on-Cash Return
40.98%
Rent
$2,461
Monthly Cash Flow
$1,229
Annual Cash Flow
$14,745
Debt Service / Mo
$798
Property Tax / Mo
$144
Insurance / Mo
$45
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,461
Payment Standard
$2,952
Rent
$2,461
Insurance
$45
Property Tax
$144
Management
$246
Utilities Allowance
$491
NOI (Monthly)
$2,027
Debt Service
$798
Cash Flow After Debt
$1,229
Quality Score: 65.30%
Confidence: 87.00%
This 3-bed, 2-bath brick Cape Cod appears broadly suitable for HCV/NSPIRE initial inspection after a short punchlist. Most issues are cosmetic or capital improvements (cleaning, paint, fixture updates). Primary inspection risks are absence/visibility of required detectors (smoke/CO), unknown GFCI protection in wet areas, and unverified major systems (HVAC, water heater, electrical panel). Assuming detectors are installed, GFCI is added/tested if needed, and basic servicing of HVAC/plumbing/electrical is completed, the property is likely rent-ready within 30 days and would probably pass an initial inspection.
Section 8 Payment Standard
$2,952
Utility Allowance Total
$491
Guaranteed Section 8 Rent (PS - Utilities)
$2,461
Property Management
$246
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$149,900
Beds
3
Baths
2
Living Area
1,938 sqft
Lot Size
9,148 sqft
Year Built
1953
Days on Market
45
Capital Outlay
$35,976
Debt Service
$798
Property Tax / Mo
$144
Insurance / Mo
$45
Property Description
SPACIOUS ALL BRICK CAPE COD! MID CENTURY QUALITY CONSTRUCTION INCLUDING HARDWOOD FLOORS & A GENEROUS AMOUNT OF LIVING SPACE! THE 1ST FLOOR HOSTS THE PRIMARY BEDROOM AND CONVENIENT LAUNDRY HOOKUPS IN THE STEP SAVING GALLY STYLE KITCHEN, WHILE THE 2ND FLOOR HAS 2 MORE VERY LARGE BEDROOMS! THERE IS ALSO A LARGE COVERED BACK PORCH- THE HUGE BASEMENT CAN ACCOMODATE LOTS OF STORAGE SPACE & POSSIBLE FUTURE REC ROOM. THE REAL SURPRISE IS THE OVERSIZED 2 CAR BRICK & CONCRETE BLOCK GARAGE, PLUSA BRICK DRIVEWAY THAT CONNECTS FROM MARSHALL AVE TO MAGINN STREET IN THE REAR WHERE THE ENTRANCE TO THAT GARAGE -LOADS OF POTENTIAL! IS-BEING SOLD "AS-IS, WHERE IS, SUBJECT TO ALL FLAWS & DEFECTS"
Utility Allowances
Heating
$82
Selected 'natural_gas' option based on property details indicating 'Gas' heating.
Air Conditioning
$17
Applies as the property has 'Central Air' cooling.
Cooking
$8
Selected 'natural_gas' option, inferred from the presence of gas heating in the property.
Water Heating
$24
Selected 'natural_gas' option, inferred from the presence of gas heating in the property.
Water
$101
Applies as property details specify a 'Public' water source.
Sewer
$147
Applies as property details specify a 'Public' sewer.
Other Electric
$75
Standard allowance for general electricity usage (lights, outlets).
Refrigerator
$19
Applies for a tenant-owned refrigerator as one was not explicitly stated as landlord-provided.
Range/Microwave
$18
Applies for a tenant-owned range/microwave as one was not explicitly stated as landlord-provided.
Trash Collection
$0
No allowance value was provided on the schedule 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$344
DP3 Annual Estimate$728
DP1 Monthly Equivalent$29
DP3 Monthly Equivalent$61
Replacement Value$67,300
Basis1,938 sqft / 1953
Nearby Houses
Photo unavailable
865 Marshall Ave
sold · 0.05 mi
Price: $115,000
4 bd / 2 ba · 1,440 sqft
Latest sale: $115,000 on Oct 31, 2025
Latest rent: —
Photo unavailable
875 Maginn St
sold · 0.06 mi
Price: $135,000
4 bd / 2 ba · 1,470 sqft
Latest sale: $135,000 on Dec 07, 2023
Latest rent: —
Photo unavailable
757 Maginn St
sold · 0.11 mi
Price: $139,000
3 bd / 2 ba · 1,376 sqft
Latest sale: $139,000 on Nov 03, 2023
Latest rent: —
Photo unavailable
2459 N Charles St
sold · 0.11 mi
Price: $55,000
3 bd / 1 ba
Latest sale: $55,000 on Jul 31, 2023
Latest rent: —
Photo unavailable
2468 N Charles St
sold · 0.14 mi
Price: $72,000
4 bd / 1 ba · 1,182 sqft
Latest sale: $72,000 on Jul 31, 2025
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos represent the current condition; no additional interior/exterior defects exist beyond what is pictured.
- A heating system is present and functional (floor registers and thermostat/controls are implied but equipment not shown).
- No active roof leaks or interior water damage exist (no staining visible in photos).
- Electrical panel, water heater and furnace exist but were not photographed; their condition is unknown and assumed serviceable until inspected.
- Basement condition and potential moisture issues are unverified (basement referenced in listing but not shown).
- Smoke and carbon monoxide detectors are not visible in photos and should be assumed absent until verified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,674 | $85,700 | $67,700 |
| 2024 | $1,559 | $85,700 | $67,700 |
| 2023 | $1,559 | $85,700 | $67,700 |
| 2022 | $1,539 | $85,700 | $67,700 |
| 2021 | $1,539 | $85,700 | $67,700 |
| 2020 | $1,532 | $85,700 | $67,700 |
| 2019 | $1,532 | $85,700 | $67,700 |
| 2018 | $1,532 | $85,700 | $67,700 |
| 2017 | $1,532 | $85,700 | $67,700 |
| 2016 | $1,698 | $85,700 | $67,700 |
| 2015 | $1,698 | $85,700 | $67,700 |
| 2014 | $1,621 | $85,700 | $67,700 |
| 2013 | $1,910 | $85,700 | $67,700 |
| 2012 | $2,621 | $86,200 | $71,200 |
| 2011 | $2,535 | $86,200 | $71,200 |
| 2010 | $2,464 | $86,200 | $71,200 |
| 2009 | $2,093 | $86,200 | $71,200 |
| 2008 | $2,093 | $86,200 | $71,200 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1983-04-25 | Sold | $50,500 |
Photo Gallery
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{
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"land": 18400,
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{
"tax": 1559,
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{
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"assessment": {
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"assessment": {
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{
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"assessment": {
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{
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"assessment": {
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{
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"assessment": {
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{
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{
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{
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"assessment": {
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{
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"market": {
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"assessment": {
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"total": 71200,
"building": 60400
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},
{
"tax": 2093,
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"total": 86200,
"building": 75400
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"assessment": {
"land": 10800,
"total": 71200,
"building": 60400
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{
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},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Residential - building - addition alteration",
"permit_effective_date": "Apr 17, 2013",
"permit_project_type_1": "Home addition",
"permit_project_type_2": "Roofing",
"permit_project_type_3": null
}
]
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"interest_rate": 0.07,
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"loan_term_years": 30,
"annual_cash_flow": 24318.58,
"mortgage_monthly": 797.83,
"payment_standard": 2952.0,
"total_amount_out": 29980.0,
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"property_tax_rate": 0.0168,
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"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' option based on property details indicating 'Gas' heating.",
"utility": "Heating",
"allowance": 82
},
{
"note": "Applies as the property has 'Central Air' cooling.",
"utility": "Air Conditioning",
"allowance": 17
},
{
"note": "Selected 'natural_gas' option, inferred from the presence of gas heating in the property.",
"utility": "Cooking",
"allowance": 8
},
{
"note": "Selected 'natural_gas' option, inferred from the presence of gas heating in the property.",
"utility": "Water Heating",
"allowance": 24
},
{
"note": "Applies as property details specify a 'Public' water source.",
"utility": "Water",
"allowance": 101
},
{
"note": "Applies as property details specify a 'Public' sewer.",
"utility": "Sewer",
"allowance": 147
},
{
"note": "Standard allowance for general electricity usage (lights, outlets).",
"utility": "Other Electric",
"allowance": 75
},
{
"note": "Applies for a tenant-owned refrigerator as one was not explicitly stated as landlord-provided.",
"utility": "Refrigerator",
"allowance": 19
},
{
"note": "Applies for a tenant-owned range/microwave as one was not explicitly stated as landlord-provided.",
"utility": "Range/Microwave",
"allowance": 18
},
{
"note": "No allowance value was provided on the schedule for this utility.",
"utility": "Trash Collection",
"allowance": 0
}
],
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"down_payment_amount": 29980.0,
"property_tax_annual": 1724.22,
"property_tax_monthly": 143.69,
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"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/"
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"runs": [
{
"summary": "This 3-bed, 2-bath brick Cape Cod appears broadly suitable for HCV/NSPIRE initial inspection after a short punchlist. Most issues are cosmetic or capital improvements (cleaning, paint, fixture updates). Primary inspection risks are absence/visibility of required detectors (smoke/CO), unknown GFCI protection in wet areas, and unverified major systems (HVAC, water heater, electrical panel). Assuming detectors are installed, GFCI is added/tested if needed, and basic servicing of HVAC/plumbing/electrical is completed, the property is likely rent-ready within 30 days and would probably pass an initial inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show generally solid mid-century construction, intact hardwood floors, trim and doors. Cosmetic deferred maintenance is present (old wallpaper, clutter, dated light fixtures) but no visible major finish failures. Kitchen and laundry appliances are present (stove, refrigerator, washer/dryer) though older; missing or non-working appliance risk is low based on photos. Minor repairs expected: replace/secure a few fixtures, paint/wallpaper removal, cleanout and address the displaced brick edging on the front walk. Overall repairs are mostly cosmetic/capital, not structural."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, major visible electrical faults, active leaks, or severe mold). Bedroom windows appear present for egress. Interior stairs have a handrail. However, key NSPIRE safety items are not visible: smoke detectors and carbon monoxide alarms are not shown, GFCI outlets in kitchen/bath are not visible, and the electrical panel and its condition/labeling are not photographed. There is a low-level trip hazard from shifted brick edging at the front walkway. These unknowns create moderate inspection risk that can be cleared quickly (install detectors, verify/upgrade GFCI, test electrical)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Roof shingles and dormers look intact from the exterior photo with no visible sagging or active water stains inside. Floor registers visible suggest a heating system exists, but the HVAC equipment, water heater and electrical panel were not photographed so operation and age are unknown. Kitchen plumbing appears intact; laundry hookups present. Given the property's age (1953) and 'as-is' listing, anticipate typical system servicing (HVAC tune-up, water heater check, electrical inspection). Because major systems are unverified, score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.0,
"rationale": "All‑brick exterior and concrete block foundation appear intact with no obvious major cracks or foundation movement in provided photos. Oversized 2‑car garage and brick driveway are positives for rental appeal. Some yard/site concerns: displaced brick edging/low curb at front that could be a trip hazard and minor drainage concerns given slope to the side; vegetation/yard maintenance needed. Overall exterior appears serviceable and not a structural concern."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Photos represent the current condition; no additional interior/exterior defects exist beyond what is pictured.",
"A heating system is present and functional (floor registers and thermostat/controls are implied but equipment not shown).",
"No active roof leaks or interior water damage exist (no staining visible in photos).",
"Electrical panel, water heater and furnace exist but were not photographed; their condition is unknown and assumed serviceable until inspected.",
"Basement condition and potential moisture issues are unverified (basement referenced in listing but not shown).",
"Smoke and carbon monoxide detectors are not visible in photos and should be assumed absent until verified."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this single-family brick Cape Cod appears structurally intact with generally sound interior surfaces and functioning kitchens/laundry present. Most issues are cosmetic or minor lifecycle repairs. The main NSPIRE inspection risks are lack of visible smoke/CO detectors, uncertain GFCI protection in kitchen, and unverified HVAC/water-heater/electrical panel condition. With focused corrective items (install/verify detectors, add/verify GFCI, test HVAC and hot water, fix any small exterior trip hazards and perform basic cleaning/painting), the home is likely to pass an initial HCV/NSPIRE inspection within 30 days. If detectors or major system failures are found, additional repairs could extend time-to-rent.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior photos show intact hardwood floors, solid doors, functioning interior trim and generally intact surfaces; kitchen and bathrooms are present though finishes are dated. There is household clutter but no visible collapsed ceilings, major holes in drywall, or exposed subfloor. Appliances (stove, refrigerator, washer) appear present though older. Exterior brick and steps look sound but landscaping/driveway shows wear. Overall mostly cosmetic and moderate-age repair items; missing modern updates but no obvious major rehab needs."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 52.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the photos (a common initial NSPIRE fail). Kitchen GFCI outlets are not apparent and the kitchen shows older appliances and visible cords that could indicate non-GFCI protection. Stair has a handrail and windows appear in bedrooms (egress likely but window sizes not verified). No visible major electrical hazards, active leaks, severe mold, or structural sagging in photos. Because detectors/GFCI are not shown and electrical panel/grounding are unknown, there is moderate risk of initial inspection requirement to add/verify safety devices."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Roof shingles and dormers look intact from exterior photo with no visible sag or discoloration, indicating likely reasonable roof condition. A thermostat is visible (suggesting a working heating system) and laundry hookups are described/pictured. Water heater, furnace/AC, and electrical panel locations are not shown, so functionality is assumed but unverified. Given lack of visible system failures but absence of confirmation, score reflects probable working systems but with inspection risk for water heater, HVAC operational testing, and electrical compliance."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "All-brick exterior and concrete-block foundation visible and appear to be in serviceable condition. Covered back porch and detached oversized 2-car garage are positive. Driveway and front walkway show uneven bricks/edges that are trip hazards and need leveling/repair. Some yard debris and minor site neglect are visible, but no standing water, major foundation cracking or severe exterior deterioration seen in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos — likely NSPIRE fail until installed/verified.",
"No visible GFCI protection in kitchen area (required in recent codes/inspections) — potential fail.",
"Mechanical systems (furnace, water heater, electrical panel) not shown; unverified systems present inspection risk.",
"Uneven brick driveway/sidewalk edges creating potential trip hazards at entry/yard."
],
"confidence": 0.65,
"assumptions": [
"Photos represent current condition of the main living areas, kitchen, and exterior; basement and mechanical rooms not photographed.",
"A heating system exists and is connected (thermostat visible), but full operational status is unverified.",
"Water heater and electrical panel are present in basement but their conditions are unknown.",
"Bedrooms have egress windows of code-acceptable size (appearing in photos) though measurements not provided.",
"No visible signs of active roof leaks, severe mold, or structural sagging in photos; if present but not photographed, that would lower scores significantly.",
"Appliances shown (stove, refrigerator, washer/dryer) are assumed serviceable but older.",
"Absence of visible smoke/CO detectors in photos is treated as likely missing or not in correct locations and therefore a safety risk."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This single-family brick home appears structurally sound with intact exterior masonry, serviceable interior finishes and original hardwood flooring. Primary concerns for an initial Section 8/NSPIRE inspection are missing or unpictured life-safety items (smoke and CO alarms), unverified GFCI protection in the kitchen, and unknown operational status of heating/HVAC and main mechanicals. Most items seen are cosmetic or moderate (wallpaper, floor refinishing, site edging). With verification/installation of required detectors, confirmation of safe gas/electrical connections, and minor repairs, the property is likely rentable after a short round of work (within 30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior appears largely intact with original hardwood floors in fair-good condition, intact doors and trim, finished dining area tile, and functioning interior stair/handrail. Cosmetic deferred maintenance visible (dated wallpaper, clutter, displaced front brick edging, worn driveway ruts). Appliances (stove, refrigerator and washer visible) appear present but older. No obvious exposed subfloor or collapsed finishes. Overall minor-to-moderate cosmetic work expected; missing or older appliances reduce score moderately but do not drive it down further."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 50.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in photos (required by NSPIRE/HUD and PA code when fuel-burning appliances present). Kitchen GFCI protection is not visible and must be verified. Stair has a continuous handrail; no broken handrails or collapsed stairs observed. No visible active roof leaks, major ceiling stains, or severe mold. Bedroom egress windows are not clearly shown for all bedrooms (second-floor dormers likely provide egress but need confirmation). Electrical panel not pictured; no obvious exposed wiring in photos but electrical safety cannot be confirmed. Because key life-safety devices and electrical protections are not evidenced, this presents a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 55.0,
"rationale": "Exterior roof and shingles appear in decent condition in the photos; no active leaks visible inside. Heating system not photographed but vents and a wall-mounted control device are visible suggesting central heating may exist — operation must be confirmed. Water heater and main mechanicals are not shown. Kitchen appliances (gas range likely) are older and should be inspected for safe gas connections and proper venting. Plumbing appears functional (no visible wet stains) but hot water and fixture operation cannot be confirmed from images. Overall: moderate unknowns — likely repair/verification work required prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 70.0,
"rationale": "All-brick exterior and concrete block foundation appear intact with no obvious major cracks or foundation displacement visible. Roof lines look straight and dormers appear sound. Brick driveway and oversized garage are positive assets. Some site issues: displaced brick edging along front walk, a rutted drive/yard and minor yard drainage signs. No evidence of standing water, heavy vegetation or infestation in provided photos."
}
],
"red_flags": [
"No visible smoke detectors in photos (NSPIRE requires smoke detectors on each level and outside sleeping areas).",
"No visible carbon monoxide detector(s) provided in photos (required where fuel-burning appliances or attached garages exist).",
"Kitchen GFCI protection not evident in photos — must be verified/installed.",
"Listing is sold 'AS-IS' which increases the likelihood of undisclosed defects requiring further investigation."
],
"confidence": 0.66,
"assumptions": [
"Photos are representative of the whole property and recent (no major hidden damage elsewhere).",
"A central heating system exists (vents and a wall control are visible) and is operable unless proven otherwise; however operation has not been confirmed in photos.",
"No active roof leaks or major water intrusion exist because no ceiling stains or wet areas are visible in interior photos.",
"Electrical panel, water heater and HVAC equipment are present in the property but not pictured and function is unverified.",
"Bedrooms have code egress windows (second-floor dormers likely), but confirmation is required during inspection.",
"Appliances visible (stove, refrigerator, washer) are older but present; missing appliances are not assumed except where not pictured."
],
"overall_score": 63.0,
"rubric_version": "2026-02-HCV-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "845 Marshall Ave, Pittsburgh, PA, 15214",
"aggregate": {
"summary": "This 3-bed, 2-bath brick Cape Cod appears broadly suitable for HCV/NSPIRE initial inspection after a short punchlist. Most issues are cosmetic or capital improvements (cleaning, paint, fixture updates). Primary inspection risks are absence/visibility of required detectors (smoke/CO), unknown GFCI protection in wet areas, and unverified major systems (HVAC, water heater, electrical panel). Assuming detectors are installed, GFCI is added/tested if needed, and basic servicing of HVAC/plumbing/electrical is completed, the property is likely rent-ready within 30 days and would probably pass an initial inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Interior and exterior photos show generally solid mid-century construction, intact hardwood floors, trim and doors. Cosmetic deferred maintenance is present (old wallpaper, clutter, dated light fixtures) but no visible major finish failures. Kitchen and laundry appliances are present (stove, refrigerator, washer/dryer) though older; missing or non-working appliance risk is low based on photos. Minor repairs expected: replace/secure a few fixtures, paint/wallpaper removal, cleanout and address the displaced brick edging on the front walk. Overall repairs are mostly cosmetic/capital, not structural."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.7,
"rationale": "All‑brick exterior and concrete block foundation appear intact with no obvious major cracks or foundation movement in provided photos. Oversized 2‑car garage and brick driveway are positives for rental appeal. Some yard/site concerns: displaced brick edging/low curb at front that could be a trip hazard and minor drainage concerns given slope to the side; vegetation/yard maintenance needed. Overall exterior appears serviceable and not a structural concern."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.7,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, major visible electrical faults, active leaks, or severe mold). Bedroom windows appear present for egress. Interior stairs have a handrail. However, key NSPIRE safety items are not visible: smoke detectors and carbon monoxide alarms are not shown, GFCI outlets in kitchen/bath are not visible, and the electrical panel and its condition/labeling are not photographed. There is a low-level trip hazard from shifted brick edging at the front walkway. These unknowns create moderate inspection risk that can be cleared quickly (install detectors, verify/upgrade GFCI, test electrical)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 58.3,
"rationale": "Roof shingles and dormers look intact from the exterior photo with no visible sagging or active water stains inside. Floor registers visible suggest a heating system exists, but the HVAC equipment, water heater and electrical panel were not photographed so operation and age are unknown. Kitchen plumbing appears intact; laundry hookups present. Given the property's age (1953) and 'as-is' listing, anticipate typical system servicing (HVAC tune-up, water heater check, electrical inspection). Because major systems are unverified, score is moderate."
}
],
"red_flags": [],
"confidence": 0.87,
"assumptions": [
"Photos represent the current condition; no additional interior/exterior defects exist beyond what is pictured.",
"A heating system is present and functional (floor registers and thermostat/controls are implied but equipment not shown).",
"No active roof leaks or interior water damage exist (no staining visible in photos).",
"Electrical panel, water heater and furnace exist but were not photographed; their condition is unknown and assumed serviceable until inspected.",
"Basement condition and potential moisture issues are unverified (basement referenced in listing but not shown).",
"Smoke and carbon monoxide detectors are not visible in photos and should be assumed absent until verified."
],
"score_method": "mean_of_criteria",
"overall_score": 65.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3567226444"
}
}
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