Property ID: 3664043790
223 Cherry St, McComb, OH, 45858
McComb, OH
Money Down: $28,320
CoC Return: 16.16%
Monthly Cash Flow: $381
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,600
Closing Costs
$4,720
Total Down
$28,320
Investment Snapshot
Purchase Price
$118,000
Money Down
$28,320
Cash-on-Cash Return
16.16%
Rent
$1,343
Monthly Cash Flow
$381
Annual Cash Flow
$4,578
Debt Service / Mo
$628
Property Tax / Mo
$149
Insurance / Mo
$50
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,343
Payment Standard
$1,693
Rent
$1,343
Insurance
$50
Property Tax
$149
Management
$134
Utilities Allowance
$350
NOI (Monthly)
$1,010
Debt Service
$628
Cash Flow After Debt
$381
Quality Score: 66.70%
Confidence: 94.00%
The property is generally in fair to good cosmetic condition with recent major components (roof, windows, baseboard heat) replaced in the past 5–8 years and kitchen appliances present. However, utilities are turned off/winterized which prevents verification of heating, hot water and plumbing; no smoke/CO detectors or GFCI outlets are visible in the photos; and there is at least one visible loose cable/wiring inside. These safety/verification items create moderate NSPIRE inspection risk. With focused fixes—installing/confirming smoke and CO alarms, addressing the visible wiring, verifying/repairing plumbing/heating once utilities are restored, and minor cosmetic cleaning—the house would likely pass an initial HCV inspection. Estimated time to pass: 2–6 weeks depending on utility re-activation and electrical checks.
Section 8 Payment Standard
$1,693
Utility Allowance Total
$350
Guaranteed Section 8 Rent (PS - Utilities)
$1,343
Property Management
$134
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$118,000
Beds
4
Baths
1.5
Living Area
1,352 sqft
Lot Size
7,405 sqft
Year Built
1975
Days on Market
93
Capital Outlay
$28,320
Debt Service
$628
Property Tax / Mo
$149
Insurance / Mo
$50
Property Description
Ranch home, last house on a dead-end street. Eat in kitchen with newer flooring. Three bedrooms with potential fourth bedroom. One full bathroom and a half bathroom located on the other side of the house. Roof new in 2019. Baseboard heaters new in 2018. Windows new in 2018. Has some unfinished projects. House selling as is condition. Subject to third-party approval. Show during daytime hours. Utilities are turned off and home has been winterized.
Utility Allowances
heating
$104
Property details explicitly state 'Heating Features: Electric'.
cooking
$17
Inferred as electric based on property photos showing an electric stove and consistency with other electric systems.
water_heating
$52
Inferred to be electric, consistent with the property's electric heating system. This is also the more expensive option compared to natural gas on the schedule.
water
$40
Property details explicitly state 'Water Source: Public'.
sewer
$46
Property details explicitly state 'Sewer: Sanitary Sewer'.
trash_collection
$25
Standard utility for a single-family residence, assumed to be tenant-paid.
other_electric
$50
Baseline allowance for miscellaneous tenant-paid electric costs like lights and wall outlets.
air_conditioning
$0
Property uses 'Window Unit(s)' for cooling. The utility schedule does not provide an allowance for this utility (values are null), so it is set to $0.
refrigerator
$8
Refrigerator is not explicitly listed as a provided appliance and is assumed to be tenant-owned.
range
$8
A range/stove is not explicitly listed as a provided appliance and is assumed to be tenant-owned.
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$586
DP3 Annual Estimate$612
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$51
Replacement Value$111,130
Basis1,352 sqft / 1975
Nearby Houses
Photo unavailable
215 Cherry St
sold · 0.02 mi
Price: $86,000
4 bd / 1 ba · 1,574 sqft
Latest sale: $86,000
Latest rent: —
Photo unavailable
211 Cherry St
sold · 0.03 mi
Price: $162,000
3 bd / 2 ba · 1,278 sqft
Latest sale: $162,000
Latest rent: —
Photo unavailable
203 Cherry St
sold · 0.05 mi
Price: $97,500
3 bd / 1 ba · 1,248 sqft
Latest sale: $97,500
Latest rent: —
Photo unavailable
100 Cherry St
sold · 0.06 mi
Price: $161,500
3 bd / 3 ba · 2,584 sqft
Latest sale: $161,500
Latest rent: —
Photo unavailable
223 N Church St
sold · 0.07 mi
Price: $127,000
2 bd / 2 ba · 1,030 sqft
Latest sale: $127,000
Latest rent: —
Photo unavailable
412 N Church St
sold · 0.08 mi
Price: $54,500
3 bd / 1 ba · 1,360 sqft
Latest sale: $54,500
Latest rent: —
Photo unavailable
203 W Cooper St
sold · 0.09 mi
Price: $140,000
3 bd / 2 ba · 1,584 sqft
Latest sale: $140,000
Latest rent: —
Photo unavailable
219 N Walnut St
sold · 0.10 mi
Price: $115,000
3 bd / 1 ba · 1,262 sqft
Latest sale: $115,000 on Apr 08, 2022
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke alarms or CO alarms in photos (NSPIRE requires working smoke alarms).
- Utilities turned off / home winterized — cannot verify heat, hot water, plumbing or electrical operation.
- Visible loose/exposed cable or wiring along wall (possible electrical hazard).
- No visible GFCI protection in kitchen or bathroom from photos (potential code failure).
- Listing notes 'some unfinished projects' and property is 'selling as is' — indicates potential undisclosed issues that can raise inspection risk.
Assumptions
- Utilities are currently shut off and the home is winterized (per listing) so plumbing, water heater, and heating operation could not be tested.
- Baseboard electric heat shown in photos is the primary heating source; no central HVAC is present (window AC units are visible).
- Roof (2019) and windows (2018) replacements are accurate as stated in listing and are in serviceable condition unless hidden damage exists.
- No structural sagging, foundation movement, or roof leaks are visible in provided photos and none are assumed unless disclosed; photos show a level roofline and foundation.
- Smoke detectors, CO alarms, GFCI outlets and an intact electrical panel were not visible in photos; assume they may be missing or not up-to-code until verified.
- The visible cable/wire running along a wall could be low-voltage or an extension, but is treated here as a potential electrical hazard until inspected.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,739 | $117,880 | $41,260 |
| 2023 | $1,626 | $117,880 | $41,260 |
| 2022 | $1,657 | $117,880 | $41,260 |
| 2021 | $1,539 | $98,740 | $34,560 |
| 2020 | $1,378 | $98,740 | $34,560 |
| 2018 | $1,248 | $85,850 | $30,048 |
| 2017 | $1,231 | $85,850 | $30,048 |
| 2016 | $1,106 | $85,850 | $30,048 |
| 2015 | $818 | $75,140 | $26,299 |
| 2014 | $828 | $60,210 | $21,074 |
| 2013 | $718 | $60,210 | $21,074 |
| 2012 | $887 | $71,000 | $24,860 |
| 2011 | $886 | $71,000 | $24,860 |
| 2010 | $1,057 | $71,000 | $24,860 |
| 2009 | $1,070 | $74,180 | $25,960 |
| 2008 | $1,140 | $74,180 | $25,960 |
| 2007 | $1,147 | $74,180 | $25,960 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-18 | Price Changed | $118,000 |
| 2026-01-06 | Listing removed | $0 |
| 2026-01-05 | Listed | $122,000 |
| 2025-09-17 | Listed | $119,000 |
| 2021-03-31 | Sold | $135,000 |
| 2015-08-12 | Sold | $90,000 |
| 2015-08-02 | Listing removed | $99,900 |
| 2015-07-31 | Sold | $90,000 |
| 2015-01-26 | Listed | $99,900 |
| 2015-01-23 | Listed | $99,900 |
| 2014-12-18 | Listing removed | $105,000 |
| 2014-08-14 | Listed | $105,000 |
| 2003-09-09 | Sold | $67,000 |
Photo Gallery
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"list_date": "2025-09-17T15:39:36Z",
"list_price": 119000,
"listing_id": "2986465937",
"last_update_date": "2025-12-23T20:18:35Z",
"last_status_change_date": "2026-01-06T07:41:03Z"
},
"event_name": "Listed",
"price_sqft": 88.01775147928994,
"source_name": "NWOhio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "6135866",
"price_change_percentage": "-11.85%"
},
{
"date": "2021-03-31",
"price": 135000,
"listing": null,
"event_name": "Sold",
"price_sqft": 99.85207100591715,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2015-08-12",
"price": 90000,
"listing": null,
"event_name": "Sold",
"price_sqft": 66.5680473372781,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2015-08-02",
"price": 99900,
"listing": {
"status": "off_market",
"list_date": "2015-01-22T07:00:00Z",
"list_price": 99900,
"listing_id": "575063413",
"last_update_date": "2016-09-28T17:48:22Z",
"last_status_change_date": "2015-07-31T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 73.8905325443787,
"source_name": "NWOhio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "5082943",
"price_change_percentage": null
},
{
"date": "2015-07-31",
"price": 90000,
"listing": {
"status": "sold",
"list_date": "2015-01-22T07:00:00Z",
"list_price": 99900,
"listing_id": "575065281",
"last_update_date": "2015-08-03T11:00:00Z",
"last_status_change_date": "2015-07-31T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": 66.5680473372781,
"source_name": "Findlay",
"price_change": 0,
"days_after_listed": "186 days",
"source_listing_id": "129186",
"price_change_percentage": "-9.91%"
},
{
"date": "2015-01-26",
"price": 99900,
"listing": {
"status": "sold",
"list_date": "2015-01-22T07:00:00Z",
"list_price": 99900,
"listing_id": "575065281",
"last_update_date": "2015-08-03T11:00:00Z",
"last_status_change_date": "2015-07-31T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 73.8905325443787,
"source_name": "Findlay",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "129186",
"price_change_percentage": null
},
{
"date": "2015-01-23",
"price": 99900,
"listing": {
"status": "off_market",
"list_date": "2015-01-22T07:00:00Z",
"list_price": 99900,
"listing_id": "575063413",
"last_update_date": "2016-09-28T17:48:22Z",
"last_status_change_date": "2015-07-31T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 73.8905325443787,
"source_name": "NWOhio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "5082943",
"price_change_percentage": null
},
{
"date": "2014-12-18",
"price": 105000,
"listing": {
"status": "off_market",
"list_date": "2014-08-14T07:00:00Z",
"list_price": 105000,
"listing_id": "570887001",
"last_update_date": "2014-12-19T05:10:00Z",
"last_status_change_date": "2014-12-19T05:10:00Z"
},
"event_name": "Listing removed",
"price_sqft": 77.66272189349112,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": "126 days",
"source_listing_id": "95503",
"price_change_percentage": null
},
{
"date": "2014-08-14",
"price": 105000,
"listing": {
"status": "off_market",
"list_date": "2014-08-14T07:00:00Z",
"list_price": 105000,
"listing_id": "570887001",
"last_update_date": "2014-12-19T05:10:00Z",
"last_status_change_date": "2014-12-19T05:10:00Z"
},
"event_name": "Listed",
"price_sqft": 77.66272189349112,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "95503",
"price_change_percentage": "+56.72%"
},
{
"date": "2003-09-09",
"price": 67000,
"listing": null,
"event_name": "Sold",
"price_sqft": 49.55621301775148,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "3664043790",
"generated_at": "2026-02-19T06:35:24.086564Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.7
},
"utility_allowance": {
"zip_code": "45858",
"home_photo": "https://ap.rdcpix.com/58ac8bdbba1455f0ad9c00d84523b863l-m2780530682s-w1280.jpg",
"rent_price": 1343.0,
"loan_amount": 94400.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/223-Cherry-St_Mc-Comb_OH_45858_M36640-43790",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 118000.0,
"loan_term_years": 30,
"annual_cash_flow": 12114.23,
"mortgage_monthly": 628.05,
"payment_standard": 1693.0,
"total_amount_out": 23600.0,
"additional_photos": [
"https://ap.rdcpix.com/58ac8bdbba1455f0ad9c00d84523b863l-m1966678638s-w1280.jpg",
"https://ap.rdcpix.com/58ac8bdbba1455f0ad9c00d84523b863l-m1914046839s-w1280.jpg",
"https://ap.rdcpix.com/58ac8bdbba1455f0ad9c00d84523b863l-m2922231189s-w1280.jpg",
"https://ap.rdcpix.com/58ac8bdbba1455f0ad9c00d84523b863l-m2770526567s-w1280.jpg",
"https://ap.rdcpix.com/58ac8bdbba1455f0ad9c00d84523b863l-m3489070135s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 49.92,
"monthly_cash_flow": 1009.52,
"property_tax_rate": 0.0103,
"_utility_allowance": {
"sources": [
"https://hancockmetro.com/wp-content/uploads/2025/04/2025-Utility-Allowance-Schedules-effective-8-1-2025.pdf"
],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "Property details explicitly state 'Heating Features: Electric'.",
"utility": "heating",
"allowance": 104
},
{
"note": "Inferred as electric based on property photos showing an electric stove and consistency with other electric systems.",
"utility": "cooking",
"allowance": 17
},
{
"note": "Inferred to be electric, consistent with the property's electric heating system. This is also the more expensive option compared to natural gas on the schedule.",
"utility": "water_heating",
"allowance": 52
},
{
"note": "Property details explicitly state 'Water Source: Public'.",
"utility": "water",
"allowance": 40
},
{
"note": "Property details explicitly state 'Sewer: Sanitary Sewer'.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Standard utility for a single-family residence, assumed to be tenant-paid.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Baseline allowance for miscellaneous tenant-paid electric costs like lights and wall outlets.",
"utility": "other_electric",
"allowance": 50
},
{
"note": "Property uses 'Window Unit(s)' for cooling. The utility schedule does not provide an allowance for this utility (values are null), so it is set to $0.",
"utility": "air_conditioning",
"allowance": 0
},
{
"note": "Refrigerator is not explicitly listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A range/stove is not explicitly listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "range",
"allowance": 8
}
],
"cash_on_cash_return": 0.51,
"down_payment_amount": 23600.0,
"property_tax_annual": 1791.17,
"property_tax_monthly": 149.26,
"property_tax_increase": 0.03,
"utility_allowance_total": 350.0,
"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": 2024,
"annual_cash_flow_after_debt": 4577.68,
"property_management_monthly": 134.3,
"monthly_cash_flow_after_debt": 381.47,
"cash_on_cash_return_after_debt": 0.19
},
"section8_assessment": {
"runs": [
{
"summary": "The property is generally in fair to good cosmetic condition with recent major components (roof, windows, baseboard heat) replaced in the past 5–8 years and kitchen appliances present. However, utilities are turned off/winterized which prevents verification of heating, hot water and plumbing; no smoke/CO detectors or GFCI outlets are visible in the photos; and there is at least one visible loose cable/wiring inside. These safety/verification items create moderate NSPIRE inspection risk. With focused fixes—installing/confirming smoke and CO alarms, addressing the visible wiring, verifying/repairing plumbing/heating once utilities are restored, and minor cosmetic cleaning—the house would likely pass an initial HCV inspection. Estimated time to pass: 2–6 weeks depending on utility re-activation and electrical checks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior and kitchen appear cosmetically updated (newer vinyl plank flooring in kitchen, painted cabinets, appliances present). Carpeting shows wear/stains, ceiling fan is old/dirty, and listing notes 'some unfinished projects' and 'selling as is.' Missing minor finish items and cosmetic touch-ups likely; missing or nonfunctional minor fixtures expected after winterization. Overall looks livable after minor repairs and cleaning."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several safety items are not visibly verified: no smoke alarms or CO alarms are visible in photos (NSPIRE requires working smoke alarms), GFCI protection in kitchen/bath is not visible, and there is a visible loose cable/wire running along a corner wall (possible electrical hazard). Entry hardware (deadbolt) not clearly shown. Baseboard heaters are present but utilities are turned off and the home is winterized so heating and hot water cannot be confirmed. These unknowns represent inspection risks that will likely need correction or documentation."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Positive indicators: roof reported replaced in 2019, windows replaced in 2018, and baseboard heaters reported new in 2018. Appliances (stove, fridge, dishwasher, microwave) are present. Negatives: no central HVAC seen (window AC units present), utilities are turned off and the house is winterized so plumbing, water heater and electrical operation cannot be functionally confirmed. Electrical panel and water heater were not shown. Given recent replacements but lack of operational verification, rate as moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Front elevation shows intact roofline, siding in reasonable condition, level yard, concrete driveway/walkway and no visible foundation movement or major exterior deterioration. Windows and siding appear in good repair. No visible water pooling or erosion at the front. Minor exterior finish (step without handrail) — but small single step is common and not a major code issue for a single-step entry."
}
],
"red_flags": [
"No visible smoke alarms or CO alarms in photos (NSPIRE requires working smoke alarms).",
"Utilities turned off / home winterized — cannot verify heat, hot water, plumbing or electrical operation.",
"Visible loose/exposed cable or wiring along wall (possible electrical hazard).",
"No visible GFCI protection in kitchen or bathroom from photos (potential code failure).",
"Listing notes 'some unfinished projects' and property is 'selling as is' — indicates potential undisclosed issues that can raise inspection risk."
],
"confidence": 0.65,
"assumptions": [
"Utilities are currently shut off and the home is winterized (per listing) so plumbing, water heater, and heating operation could not be tested.",
"Baseboard electric heat shown in photos is the primary heating source; no central HVAC is present (window AC units are visible).",
"Roof (2019) and windows (2018) replacements are accurate as stated in listing and are in serviceable condition unless hidden damage exists.",
"No structural sagging, foundation movement, or roof leaks are visible in provided photos and none are assumed unless disclosed; photos show a level roofline and foundation.",
"Smoke detectors, CO alarms, GFCI outlets and an intact electrical panel were not visible in photos; assume they may be missing or not up-to-code until verified.",
"The visible cable/wire running along a wall could be low-voltage or an extension, but is treated here as a potential electrical hazard until inspected."
],
"overall_score": 65.0,
"rubric_version": "1.0"
},
{
"summary": "This 4-bedroom ranch is mostly cosmetic-ready and has many positive features (2019 roof, 2018 windows and baseboard heaters, functioning kitchen appliances present). Primary inspection risks are lack of verifiable operating utilities (listing says the home is winterized and utilities are off), no visible smoke/CO detectors in photos, and visible unsecured wiring that could be an electrical/code issue. Assuming utilities are reconnected, smoke/CO alarms installed, and the exposed wiring secured, the property is likely to pass an initial HCV/NSPIRE inspection after minor repairs and verification of systems — target remediation time about 1–4 weeks depending on utility reconnection and electrical fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior and kitchen photos show generally serviceable finishes: newer-looking vinyl plank floors in kitchen, painted cabinets, and present major appliances (refrigerator, range, microwave, dishwasher). Living areas show cosmetic wear (scuffs, small nail holes, dated ceiling fan) and some minor unfinished projects noted in listing. Exterior siding and paint appear intact. Missing/unfinished cosmetic items and minor touch-ups expected but no large visible deferred maintenance. Listing indicates 'selling as-is' which may hide small repairs but photos show mostly minor issues."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in any photos (inspector will require functioning smoke alarms in hallways and sleeping areas and CO if fuel-burning appliances present). There is visible unsecured/exposed wiring/cable running along a corner from ceiling to outlet which could be interpreted as an electrical hazard or improper permanent wiring. Windows are reported new (2018) which supports egress but egress measurements are unconfirmed. Baseboard heaters are present but utilities are turned off/winterized per listing, so heat/hot water may not be available at time of inspection until utilities are reconnected. No visible mold, standing water, collapsed ceilings, or obvious stair/guardrail hazards were observed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Roof was replaced in 2019 (positive). Heating appears to be electric baseboard units reportedly replaced in 2018 and baseboard units are visible inside. No central HVAC unit is pictured (window ACs visible), which is acceptable but lowers mechanical robustness. Water heater and electrical panel are not shown; listing states utilities are turned off and the house is winterized so operation of plumbing, hot water, and electrical systems cannot be verified and will need confirmation and testing before inspection. Appliances (range, refrigerator, dishwasher, microwave) are present, reducing capital needs."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 85.0,
"rationale": "Curb view shows a tidy yard, intact roofline, siding in good condition and concrete walk/driveway present. No visible foundation cracking, major grading/drainage issues, or standing water in photos. Property sits on a dead-end street which reduces immediate site safety concerns. Minor items such as lattice column and window ACs are cosmetic/functional but not site-safety failures."
}
],
"red_flags": [
"Utilities turned off / home winterized — heat and hot water not verifiable (inspection requires operational systems).",
"No visible smoke detectors or carbon monoxide alarm in photos — likely fail unless installed prior to inspection.",
"Exposed/unsecured wiring/cable visible in living room corner — potential electrical/code hazard that must be corrected."
],
"confidence": 0.6,
"assumptions": [
"Utilities are currently turned off/winterized per listing; heating, hot water and plumbing will be reconnected and tested prior to or during inspection.",
"Windows replaced in 2018 provide compliant egress dimensions for bedrooms unless otherwise noted during an on-site measurement.",
"Electrical service and main panel are intact and code-compliant though not pictured; only visible potential wiring issue is the unsecured cable along the interior corner.",
"No major hidden structural, roof, foundation or severe mold issues exist beyond what is visible in the photos. If such issues exist they would reduce the score substantially.",
"Appliances pictured (fridge, range, dishwasher, microwave) are included and in operating condition once utilities are on."
],
"overall_score": 68.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "This single-story ranch generally presents as a cosmetically livable property with several recent updates (roof 2019, windows 2018, baseboard heaters 2018) and working appliances visible. The biggest inspection risks are that utilities are turned off/winterized (so heating, hot water and plumbing cannot be confirmed) and there are no visible smoke/CO detectors in the photos. Most issues appear to be minor/cosmetic or verification tasks (activate utilities, install detectors, repair/secure minor wiring, address small ceiling discoloration and finish work). With utilities restored, installation/verification of required detectors, and a short round of touch-up repairs, the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. If utilities remain off or if the unseen systems (electrical panel, water heater) have defects, additional repairs could be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 72.0,
"rationale": "Interior finishes and fixtures appear mostly intact with updated kitchen cabinets, newer flooring in kitchen, and generally serviceable carpet and paint. Photos show some cosmetic wear (scuffed walls, older ceiling fan with missing/aged shades, minor ceiling discoloration near recessed lights) and listing notes \"some unfinished projects\" and \"sold as is.\" Appliances (fridge, range, microwave, dishwasher) are present which reduces repair scope. Because utilities are turned off and property is winterized, small deferred items may be hiding but nothing in the photos indicates major structural rehab—mostly cosmetic and small finish repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several NSPIRE items cannot be confirmed from photos: no smoke detectors or carbon-monoxide detectors are visible (required), and hot water/heating cannot be confirmed because utilities are off/winterized. Bedroom egress windows appear present, entry door looks intact, and there are no obvious trip hazards or missing guardrails (single-story ranch). Visible wiring/cable run along the wall/ceiling is untidy and should be evaluated for exposed conductors. No visible active leaks or severe mold in photos, but a faint ceiling discoloration near recessed lighting suggests past water intrusion that should be checked. Overall moderate risk: likely passable after installing detectors, verifying function of heating/hot water and addressing minor electrical tidiness."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Roof (new 2019) and windows (new 2018) are recent per listing and visually appear in good condition. Baseboard heaters (noted new 2018) are present throughout (electric heat) which is favorable for heating, but utilities are turned off so operation cannot be confirmed. No water heater or electrical panel is shown in photos. Plumbing fixtures appear intact in bathroom and kitchen but cannot be tested with utilities off. Given the newer roof/windows/heaters the mechanical risk is moderate — systems likely in decent condition but require utility activation and verification (electrical panel, water heater, plumbing for leaks) before inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Exterior photos show a level lot, a paved drive, an intact concrete approach to the front door, continuous siding in reasonable condition, and no visible foundation settlement or major exterior damage. The yard and walkways look safe and unobstructed. Downspouts/gutters not fully visible but roof and siding appear serviceable. Overall low exterior/site risk for a Section 8 inspection."
}
],
"red_flags": [
"Utilities turned off / home winterized — heating, hot water, and plumbing untestable until utilities are restored.",
"No visible smoke detectors or carbon-monoxide alarms in interior photos — HUD/NSPIRE require functioning detectors.",
"Potential lead-paint risk due to original construction year (1975) — requires appropriate disclosure and remediation if defective paint is present.",
"Loose/visible cable/wiring running along wall/ceiling that should be secured or evaluated for exposed conductors.",
"Faint ceiling discoloration near recessed light — possible past or intermittent water intrusion requiring verification."
],
"confidence": 0.6,
"assumptions": [
"Utilities are currently turned off as stated; heating, hot water, and plumbing were not tested.",
"No smoke detectors or CO alarms are present (none visible in photos), so installation will likely be required.",
"Baseboard heaters are electric and were installed/replaced in 2018 as listed; they appear present in photos but untested.",
"Roof (2019) and windows (2018) ages are taken from the listing and visually appear serviceable.",
"No major structural movement or sagging is present (foundation and rooflines look even in exterior photo).",
"No active mold or severe water intrusion is visible in photos; faint ceiling discoloration is assumed to be an isolated past stain that needs further evaluation.",
"Appliances shown in photos are assumed included and intact but may need testing once utilities are restored.",
"Because the house was built in 1975, lead-based paint is possible; photos do not show peeling surfaces but lead risk must be handled per HUD rules."
],
"overall_score": 67.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "223 Cherry St, McComb, OH, 45858",
"aggregate": {
"summary": "The property is generally in fair to good cosmetic condition with recent major components (roof, windows, baseboard heat) replaced in the past 5–8 years and kitchen appliances present. However, utilities are turned off/winterized which prevents verification of heating, hot water and plumbing; no smoke/CO detectors or GFCI outlets are visible in the photos; and there is at least one visible loose cable/wiring inside. These safety/verification items create moderate NSPIRE inspection risk. With focused fixes—installing/confirming smoke and CO alarms, addressing the visible wiring, verifying/repairing plumbing/heating once utilities are restored, and minor cosmetic cleaning—the house would likely pass an initial HCV inspection. Estimated time to pass: 2–6 weeks depending on utility re-activation and electrical checks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 72.3,
"rationale": "Interior and kitchen appear cosmetically updated (newer vinyl plank flooring in kitchen, painted cabinets, appliances present). Carpeting shows wear/stains, ceiling fan is old/dirty, and listing notes 'some unfinished projects' and 'selling as is.' Missing minor finish items and cosmetic touch-ups likely; missing or nonfunctional minor fixtures expected after winterization. Overall looks livable after minor repairs and cleaning."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 83.3,
"rationale": "Front elevation shows intact roofline, siding in reasonable condition, level yard, concrete driveway/walkway and no visible foundation movement or major exterior deterioration. Windows and siding appear in good repair. No visible water pooling or erosion at the front. Minor exterior finish (step without handrail) — but small single step is common and not a major code issue for a single-step entry."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several safety items are not visibly verified: no smoke alarms or CO alarms are visible in photos (NSPIRE requires working smoke alarms), GFCI protection in kitchen/bath is not visible, and there is a visible loose cable/wire running along a corner wall (possible electrical hazard). Entry hardware (deadbolt) not clearly shown. Baseboard heaters are present but utilities are turned off and the home is winterized so heating and hot water cannot be confirmed. These unknowns represent inspection risks that will likely need correction or documentation."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Positive indicators: roof reported replaced in 2019, windows replaced in 2018, and baseboard heaters reported new in 2018. Appliances (stove, fridge, dishwasher, microwave) are present. Negatives: no central HVAC seen (window AC units present), utilities are turned off and the house is winterized so plumbing, water heater and electrical operation cannot be functionally confirmed. Electrical panel and water heater were not shown. Given recent replacements but lack of operational verification, rate as moderate risk."
}
],
"red_flags": [
"No visible smoke alarms or CO alarms in photos (NSPIRE requires working smoke alarms).",
"Utilities turned off / home winterized — cannot verify heat, hot water, plumbing or electrical operation.",
"Visible loose/exposed cable or wiring along wall (possible electrical hazard).",
"No visible GFCI protection in kitchen or bathroom from photos (potential code failure).",
"Listing notes 'some unfinished projects' and property is 'selling as is' — indicates potential undisclosed issues that can raise inspection risk."
],
"confidence": 0.94,
"assumptions": [
"Utilities are currently shut off and the home is winterized (per listing) so plumbing, water heater, and heating operation could not be tested.",
"Baseboard electric heat shown in photos is the primary heating source; no central HVAC is present (window AC units are visible).",
"Roof (2019) and windows (2018) replacements are accurate as stated in listing and are in serviceable condition unless hidden damage exists.",
"No structural sagging, foundation movement, or roof leaks are visible in provided photos and none are assumed unless disclosed; photos show a level roofline and foundation.",
"Smoke detectors, CO alarms, GFCI outlets and an intact electrical panel were not visible in photos; assume they may be missing or not up-to-code until verified.",
"The visible cable/wire running along a wall could be low-voltage or an extension, but is treated here as a potential electrical hazard until inspected."
],
"score_method": "mean_of_criteria",
"overall_score": 66.7,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3664043790"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.