Property ID: 3746251665
137 Freeland St, Pittsburgh, PA, 15210
Pittsburgh, PA
Money Down: $39,960
CoC Return: 30.86%
Monthly Cash Flow: $1,028
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,300
Closing Costs
$6,660
Total Down
$39,960
Investment Snapshot
Purchase Price
$166,500
Money Down
$39,960
Cash-on-Cash Return
30.86%
Rent
$2,441
Monthly Cash Flow
$1,028
Annual Cash Flow
$12,333
Debt Service / Mo
$886
Property Tax / Mo
$233
Insurance / Mo
$50
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,441
Payment Standard
$2,952
Rent
$2,441
Insurance
$50
Property Tax
$233
Management
$244
Utilities Allowance
$511
NOI (Monthly)
$1,914
Debt Service
$886
Cash Flow After Debt
$1,028
Quality Score: 73.20%
Confidence: 82.00%
Property appears largely rent-ready with cosmetic updates, intact exterior envelope, and evidence of recent rental activity. Most issues visible are minor and repairable: trim shrubbery, secure exterior service wiring, confirm and install missing CO detector and any required GFCIs, and verify presence/operation of furnace, water heater and kitchen appliances. With straightforward verification and minor repairs, the unit is likely to pass an initial HCV/NSPIRE inspection within 1–3 weeks after addressing the listed unknowns.
Section 8 Payment Standard
$2,952
Utility Allowance Total
$511
Guaranteed Section 8 Rent (PS - Utilities)
$2,441
Property Management
$244
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$166,500
Beds
3
Baths
2.5
Living Area
1,200 sqft
Lot Size
3,872 sqft
Year Built
2004
Days on Market
146
Capital Outlay
$39,960
Debt Service
$886
Property Tax / Mo
$233
Insurance / Mo
$50
Property Description
Charming colonial-style home at 137 Freeland St, Pittsburgh, PA. This well-maintained foreclosure property offers timeless character with a classic frame exterior. Step inside to find spacious rooms, solid construction, and great potential for customization. Perfect for investors or buyers seeking value in a growing neighborhood. Convenient location with easy access to local amenities, schools, and transit. Don't miss this opportunity to own a quality home!
Utility Allowances
air_conditioning
$17
Property has an air conditioner unit visible in photos, corresponding to the schedule's allowance for a 3-bedroom unit.
cooking
$14
Fuel type not specified. Selected 'electric' as it is the more expensive option per instructions for a 3-bedroom unit.
heating
$82
Property data explicitly lists 'Gas' for heating. Selected 'natural_gas' for a 3-bedroom unit.
other_electric
$75
Standard allowance for general electric use (lights, outlets) in a 3-bedroom single-family home.
range_microwave
$18
A microwave is not explicitly listed as a provided appliance, so allowance for a tenant-owned unit is included per instructions.
refrigerator
$19
A refrigerator is not explicitly listed as a provided appliance, so allowance for a tenant-owned unit is included per instructions.
sewer
$147
Inferred based on city location and explicit 'Public Sewer' listings for nearby properties.
trash_collection
$0
The utility schedule does not provide an allowance for trash collection for this property type.
water
$101
Inferred based on city location and explicit 'Public' water source listings for nearby properties.
water_heating
$38
Fuel type not specified. Selected 'electric' as it is the more expensive option per instructions for a 3-bedroom unit.
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$388
DP3 Annual Estimate$815
DP1 Monthly Equivalent$32
DP3 Monthly Equivalent$68
Replacement Value$106,100
Basis1,200 sqft / 2004
Nearby Houses
Photo unavailable
130 Climax St
off_market · 0.03 mi
Price: $1,100
3 bd / 1 ba
Latest sale: $10,000
Latest rent: $850 on Nov 06, 2020
Photo unavailable
134 Climax St
sold · 0.03 mi
Price: $33,560
3 bd / 1 ba · 1,937 sqft
Latest sale: $33,560 on Jan 31, 2023
Latest rent: $1,500 on Apr 12, 2024
Photo unavailable
201 Cedarhurst St
sold · 0.06 mi
Price: $26,000
2 bd / 1 ba · 1,400 sqft
Latest sale: $26,000 on Dec 27, 2024
Latest rent: —
Photo unavailable
509 Delmont Ave
sold · 0.08 mi
Price: $113,400
3 bd / 2 ba · 1,406 sqft
Latest sale: $113,400 on Nov 05, 2019
Latest rent: —
Photo unavailable
508 Gearing Ave
sold · 0.08 mi
Price: $170,000
4 bd / 3 ba · 1,950 sqft
Latest sale: $170,000 on Jul 03, 2024
Latest rent: $1,400 on Mar 11, 2021
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Kitchen and major appliances (stove, refrigerator, dishwasher) are not shown in the photos; their presence and operational status are unknown. Missing appliances would reduce readiness moderately but are not assumed to be catastrophic.
- A central HVAC system is assumed present because supply/return vents are visible; however, the heating/cooling equipment and water heater were not photographed and their working condition is unconfirmed.
- At least one smoke detector is present (visible in photos); carbon monoxide detectors and GFCI-protected outlets are not visible and are assumed absent until verified.
- Entry door locking hardware (deadbolt) is not clearly visible in photos; assumed to have standard locks but should be verified for compliance.
- No visible signs of severe structural issues (sagging, major foundation movement, collapsed ceilings) in provided photos; assume structural integrity absent other documentation.
- Exterior service cables appear loosely bundled but not definitively exposed energized conductors; electrical panel condition and labeling are unconfirmed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,713 | $109,700 | $109,700 |
| 2024 | $2,527 | $109,700 | $109,700 |
| 2023 | $2,527 | $109,700 | $109,700 |
| 2022 | $2,085 | $109,700 | $91,700 |
| 2021 | $2,085 | $109,700 | $91,700 |
| 2020 | $2,075 | $109,700 | $91,700 |
| 2019 | $2,075 | $109,700 | $91,700 |
| 2018 | $2,075 | $109,700 | $91,700 |
| 2017 | $2,075 | $109,700 | $91,700 |
| 2016 | $2,247 | $109,700 | $91,700 |
| 2015 | $2,247 | $109,700 | $91,700 |
| 2014 | $2,147 | $109,700 | $91,700 |
| 2013 | $2,539 | $109,700 | $91,700 |
| 2012 | $2,578 | $84,800 | $69,800 |
| 2011 | $2,493 | $84,800 | $69,800 |
| 2010 | $2,423 | $84,800 | $69,800 |
| 2009 | $2,052 | $84,800 | $69,800 |
| 2008 | $2,052 | $84,800 | $69,800 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-04-22 | Sold | $160,000 |
| 2002-10-30 | Sold | $98,500 |
| 2000-09-25 | Sold | $9,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-03-02 | Listed for rent | $1,295 | — |
| 2023-01-31 | Listed for rent | $1,295 | — |
Photo Gallery
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"description": {
"beds": 4,
"name": null,
"sqft": 1950,
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"baths": 3,
"garage": null,
"stories": 3,
"lot_sqft": 2614,
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"baths_1qtr": null,
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},
"open_houses": null,
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"_ignore_in_prompt": false,
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}
},
"urgency_data": {
"home": {
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{
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"saves_total": 1,
"views_total": 138,
"ldp_views_total": null
},
{
"last_n_days": 7,
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"views_total": 1034,
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{
"last_n_days": 14,
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"views_total": 2422,
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{
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"saves_total": 5,
"views_total": 4614,
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{
"last_n_days": 28,
"saves_total": 6,
"views_total": 8233,
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{
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"saves_total": null,
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"ldp_views_total": 155
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}
}
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"primary_photo": {
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"virtual_tours": [
{
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],
"lead_attributes": {
"lead_type": "co_broke",
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"show_contact_an_agent": true,
"is_veterans_united_eligible": true
},
"search_promotions": null,
"price_reduced_amount": 8000,
"property_tax_history": {
"home": {
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{
"tax": 2713,
"year": 2025,
"market": {
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"total": 109700,
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},
"assessment": {
"land": 3600,
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}
},
{
"tax": 2527,
"year": 2024,
"market": {
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"assessment": {
"land": 3600,
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}
},
{
"tax": 2527,
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"market": {
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"assessment": {
"land": 3600,
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}
},
{
"tax": 2085,
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"market": {
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},
"assessment": {
"land": 3600,
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}
},
{
"tax": 2085,
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"market": {
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},
"assessment": {
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},
{
"tax": 2075,
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"market": {
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},
"assessment": {
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"total": 91700,
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}
},
{
"tax": 2075,
"year": 2019,
"market": {
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},
"assessment": {
"land": 3600,
"total": 91700,
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},
{
"tax": 2075,
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"market": {
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"total": 109700,
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},
"assessment": {
"land": 3600,
"total": 91700,
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}
},
{
"tax": 2075,
"year": 2017,
"market": {
"land": 3600,
"total": 109700,
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},
"assessment": {
"land": 3600,
"total": 91700,
"building": 88100
}
},
{
"tax": 2247,
"year": 2016,
"market": {
"land": 3600,
"total": 109700,
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},
"assessment": {
"land": 3600,
"total": 91700,
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}
},
{
"tax": 2247,
"year": 2015,
"market": {
"land": 3600,
"total": 109700,
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},
"assessment": {
"land": 3600,
"total": 91700,
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}
},
{
"tax": 2147,
"year": 2014,
"market": {
"land": 3600,
"total": 109700,
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},
"assessment": {
"land": 3600,
"total": 91700,
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},
{
"tax": 2539,
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"market": {
"land": 3600,
"total": 109700,
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},
"assessment": {
"land": 3600,
"total": 91700,
"building": 88100
}
},
{
"tax": 2578,
"year": 2012,
"market": {
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"total": 84800,
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"assessment": {
"land": 19600,
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},
{
"tax": 2493,
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"market": {
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"total": 84800,
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"assessment": {
"land": 19600,
"total": 69800,
"building": 50200
}
},
{
"tax": 2423,
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"market": {
"land": 19600,
"total": 84800,
"building": 65200
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"assessment": {
"land": 19600,
"total": 69800,
"building": 50200
}
},
{
"tax": 2052,
"year": 2009,
"market": {
"land": 19600,
"total": 84800,
"building": 65200
},
"assessment": {
"land": 19600,
"total": 69800,
"building": 50200
}
},
{
"tax": 2052,
"year": 2008,
"market": {
"land": 19600,
"total": 84800,
"building": 65200
},
"assessment": {
"land": 19600,
"total": 69800,
"building": 50200
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}
],
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"event_name": "Price Changed",
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"days_after_listed": null,
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{
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"list_date": "2025-11-13T19:15:52Z",
"list_price": 166500,
"listing_id": "2988511636",
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"last_status_change_date": "2025-11-13T19:15:52Z"
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"event_name": "Listed",
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"source_listing_id": "1730656",
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{
"date": "2022-04-22",
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"listing": {
"status": "sold",
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"list_price": 149999,
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"source_name": "WestPenn",
"price_change": 10001,
"days_after_listed": "37 days",
"source_listing_id": "1542979",
"price_change_percentage": "+6.67%"
},
{
"date": "2022-03-16",
"price": 149999,
"listing": {
"status": "sold",
"list_date": "2022-03-16T20:02:52Z",
"list_price": 149999,
"listing_id": "2941213999",
"last_update_date": "2022-04-25T14:39:37Z",
"last_status_change_date": "2022-04-25T12:42:34Z"
},
"event_name": "Listed",
"price_sqft": 124.99916666666667,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1542979",
"price_change_percentage": "+52.28%"
},
{
"date": "2004-07-07",
"price": 98500,
"listing": null,
"event_name": "Sold",
"price_sqft": 82.08333333333333,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
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}
},
"rmn_listing_attribution": false
},
"property_id": "3746251665",
"generated_at": "2026-02-24T23:49:08.117277Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 73.2
},
"utility_allowance": {
"zip_code": "15210",
"home_photo": "https://ap.rdcpix.com/69398d687c6a3d5f4d659b26c20effb8l-m891750423s-w1280.jpg",
"rent_price": 2441.0,
"loan_amount": 133200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/137-Freeland-St_Pittsburgh_PA_15210_M37462-51665",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 166500.0,
"loan_term_years": 30,
"annual_cash_flow": 22966.91,
"mortgage_monthly": 886.18,
"payment_standard": 2952.0,
"total_amount_out": 33300.0,
"additional_photos": [
"https://ap.rdcpix.com/69398d687c6a3d5f4d659b26c20effb8l-m2636886511s-w1280.jpg",
"https://ap.rdcpix.com/69398d687c6a3d5f4d659b26c20effb8l-m4234602002s-w1280.jpg",
"https://ap.rdcpix.com/69398d687c6a3d5f4d659b26c20effb8l-m2793562974s-w1280.jpg",
"https://ap.rdcpix.com/69398d687c6a3d5f4d659b26c20effb8l-m3101595858s-w1280.jpg",
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"https://ap.rdcpix.com/69398d687c6a3d5f4d659b26c20effb8l-m2892915501s-w1280.jpg",
"https://ap.rdcpix.com/69398d687c6a3d5f4d659b26c20effb8l-m3656699412s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 50.12,
"monthly_cash_flow": 1913.91,
"property_tax_rate": 0.0168,
"_utility_allowance": {
"sources": [
"https://hacp.org/app/uploads/2025/10/2026-HCV-Utility-Allowance-Schedule.pdf",
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has an air conditioner unit visible in photos, corresponding to the schedule's allowance for a 3-bedroom unit.",
"utility": "air_conditioning",
"allowance": 17
},
{
"note": "Fuel type not specified. Selected 'electric' as it is the more expensive option per instructions for a 3-bedroom unit.",
"utility": "cooking",
"allowance": 14
},
{
"note": "Property data explicitly lists 'Gas' for heating. Selected 'natural_gas' for a 3-bedroom unit.",
"utility": "heating",
"allowance": 82
},
{
"note": "Standard allowance for general electric use (lights, outlets) in a 3-bedroom single-family home.",
"utility": "other_electric",
"allowance": 75
},
{
"note": "A microwave is not explicitly listed as a provided appliance, so allowance for a tenant-owned unit is included per instructions.",
"utility": "range_microwave",
"allowance": 18
},
{
"note": "A refrigerator is not explicitly listed as a provided appliance, so allowance for a tenant-owned unit is included per instructions.",
"utility": "refrigerator",
"allowance": 19
},
{
"note": "Inferred based on city location and explicit 'Public Sewer' listings for nearby properties.",
"utility": "sewer",
"allowance": 147
},
{
"note": "The utility schedule does not provide an allowance for trash collection for this property type.",
"utility": "trash_collection",
"allowance": 0
},
{
"note": "Inferred based on city location and explicit 'Public' water source listings for nearby properties.",
"utility": "water",
"allowance": 101
},
{
"note": "Fuel type not specified. Selected 'electric' as it is the more expensive option per instructions for a 3-bedroom unit.",
"utility": "water_heating",
"allowance": 38
}
],
"cash_on_cash_return": 0.69,
"down_payment_amount": 33300.0,
"property_tax_annual": 2794.39,
"property_tax_monthly": 232.87,
"property_tax_increase": 0.03,
"utility_allowance_total": 511.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf",
"https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/doing-business/landlord-resources/"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 12332.71,
"property_management_monthly": 244.1,
"monthly_cash_flow_after_debt": 1027.73,
"cash_on_cash_return_after_debt": 0.37
},
"section8_assessment": {
"runs": [
{
"summary": "Property appears largely rent-ready with cosmetic updates, intact exterior envelope, and evidence of recent rental activity. Most issues visible are minor and repairable: trim shrubbery, secure exterior service wiring, confirm and install missing CO detector and any required GFCIs, and verify presence/operation of furnace, water heater and kitchen appliances. With straightforward verification and minor repairs, the unit is likely to pass an initial HCV/NSPIRE inspection within 1–3 weeks after addressing the listed unknowns.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show recent cosmetic updates: fresh paint, new-looking laminate flooring, clean ceilings, and no visible water stains. Porch and exterior columns have minor paint chips and a shrub blocking part of the entry walkway that should be trimmed. No interior finish deterioration, collapsed surfaces, or exposed subfloor seen. Kitchen and appliances are not shown in listing photos — missing or non-functional appliances are possible but not visible; score reduced moderately to reflect that uncertainty."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "A ceiling-mounted smoke detector is visible in living area. Interior handrail present for stair. No visible mold, active water stains, or collapsed ceilings. Exterior service entrance and cabling are visible along the side of the house and appear loosely bundled — not clearly exposed live conductors but represent a minor electrical risk that should be secured. No carbon monoxide detector is visible in photos. GFCI outlets, egress for all bedrooms, and deadbolt on entry door are not visible in provided photos; assume typical compliance but count as unknowns. Overall moderate risk that some minor code items (CO detector, GFCI checks, securing service wires, locking hardware) will be required."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "House exterior (shingles, siding, gutters) appears in serviceable condition with no obvious roof sag or missing shingles in available exterior images. Interior shows HVAC supply/return vents indicating central HVAC, but no furnace, A/C condensing unit, water heater, electrical panel, or hot water source are shown; their operability is unverified. Given construction year (2004) and recent interior refresh, assume systems are present but recommend verification; score reduced for unknowns in plumbing, heating equipment and electrical panel access."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Siding, foundation block, driveway and porch look generally good. Yard slopes down away from the street and there is a downspout termination close to the foundation—this could create localized drainage risk if not tied to a drain. Shrubbery partially blocks the porch path and will need trimming. No visible infestation, major foundation displacement, or collapsed retaining walls in photos. Garage and covered porch are positive features for rental readiness."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Kitchen and major appliances (stove, refrigerator, dishwasher) are not shown in the photos; their presence and operational status are unknown. Missing appliances would reduce readiness moderately but are not assumed to be catastrophic.",
"A central HVAC system is assumed present because supply/return vents are visible; however, the heating/cooling equipment and water heater were not photographed and their working condition is unconfirmed.",
"At least one smoke detector is present (visible in photos); carbon monoxide detectors and GFCI-protected outlets are not visible and are assumed absent until verified.",
"Entry door locking hardware (deadbolt) is not clearly visible in photos; assumed to have standard locks but should be verified for compliance.",
"No visible signs of severe structural issues (sagging, major foundation movement, collapsed ceilings) in provided photos; assume structural integrity absent other documentation.",
"Exterior service cables appear loosely bundled but not definitively exposed energized conductors; electrical panel condition and labeling are unconfirmed."
],
"overall_score": 77.0,
"rubric_version": "2026-02-24_v1"
},
{
"summary": "This property appears largely rent-ready for a Housing Choice Voucher tenant with primarily minor/cosmetic items to address. Interior finishes look refreshed, smoke detection is present, exterior envelope and roof appear sound, and recent rental history is a positive indicator. Main uncertainties are verification of HVAC, water heater/hot water, presence/function of CO detectors and GFCI protection, and whether the basement glass-block window would be used as a bedroom egress. Expect a likely pass after verification and minor fixes (appliances, tidying exterior wiring, trimming shrubs, confirming detectors and GFCI).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show recent paint, intact vinyl siding, new-looking laminate floors and clean ceilings. Minor cosmetic issues evident: overgrown shrub at front porch blocking part of entry, small paint chips on porch column, and no appliances are shown in photos (stove/fridge not visible). These are generally easy/quick fixes and cosmetic; no visible major deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 75.0,
"rationale": "Visible smoke detector(s) inside (ceiling) and exterior entry appears secure with a deadbolt-capable door. No visible exposed live wiring or collapsed ceilings. Electrical meter and service cable appear intact though loose cable is visible on the side siding (needs tidying). Egress windows present upstairs; basement has a glass-block window (may not be egress if intended as a bedroom). No visible mold, active leaks, or peeling lead-risk paint. CO detectors, GFCI protection in kitchen/bath, and hot-water visibility not confirmed in photos and should be verified, reducing score slightly."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 72.0,
"rationale": "Photos show ceiling vents and a utility/closet door suggesting central HVAC and ducting are present but no furnace, water heater, or A/C condensing unit are pictured to confirm operational status. Roof appears intact from exterior photos and foundation/retaining wall looks stable. Because major systems are plausible but not confirmable from images, score is moderate — functional but needs verification and likely minor servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Siding, roofline and gutters look in good condition; driveway and small attached garage present. Lot slopes toward the rear with a block retaining wall; no standing water visible. Small yard manhole/cleanout visible in front yard (trip hazard if not flush) and overgrown shrubs near porch reduce curb appeal and could impede egress. Walkway/porch surfaces are intact and were recently painted/sealed."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.66,
"assumptions": [
"No stove or refrigerator were visible in listing photos; assumed appliances may be absent or not pictured — landlord should supply or confirm.",
"Central HVAC exists (ceiling vents visible) and is operational, but no furnace/AC/water-heater photos were provided — functionality unconfirmed.",
"Smoke detectors seen in photos are functioning; carbon monoxide detectors and GFCI outlets are not visible and must be verified/installed if missing.",
"Basement space shown is assumed to be living area only; if used as a bedroom, the glass-block window may not meet egress requirements and would need addressing.",
"Exterior electrical service appears intact; visible loose/looped cable on siding is non-live low-voltage/cable but should be secured by a technician.",
"No signs of active roof leaks, structural sagging, severe mold, or standing water observed in photos; if interior access reveals different conditions, scores would change."
],
"overall_score": 81.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Overall the property appears well-maintained and likely to pass an initial HCV/NSPIRE inspection after addressing a few verification items and minor work. Expect minor repairs and documentation checks (smoke/CO/GFCI, appliance provisioning, secure service cable, egress verification) — likely rent-ready within ~30 days if systems verify operational.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Property photos show recently painted walls, new-looking laminate flooring, intact drywall and trim, and generally clean finished spaces. Exterior siding and porch are in good cosmetic condition. Deductions for missing kitchen photos (no visible stove/refrigerator shown), overgrown shrubbery partially blocking the front entry, and minor porch/trim touch-ups. No significant visible damage to floors or walls."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "A ceiling smoke detector is visible in the living area and interior stair handrail is present. No visible active water stains, mold, or collapsed ceiling. However several NSPIRE items are not verifiable from photos: CO detector not visible, GFCI receptacles not shown, deadbolt on entry not visible, and bedroom/basement egress dimensions are uncertain (basement has a sliding door and a glass-block window which may not meet egress if used as a bedroom). Exterior service wiring is present and appears attached, but there is a coiled/loose cable at the side which should be secured. These uncertainties reduce the score toward moderate risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 75.0,
"rationale": "Visible HVAC supply/return registers and ceiling vents indicate a central heating/cooling system. Exterior roof shingles and gutters appear in serviceable condition in photos; foundation block looks intact. No visible leaks, water-heater, or electrical panel interior photos provided. Electrical service meter and connection are present. Because major systems are implied but not fully verified (no water heater, no furnace visuals, no panel access, no confirmation of hot water), score reflects likely functioning systems but with verification needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.0,
"rationale": "Siding, porch, driveway, and walkways appear sound and well-maintained. Concrete drive/porch shows no large cracks; roofline looks straight with no visible sagging. Yard slopes toward the side; drainage appears acceptable but driveway slopes toward garage area so confirm garage threshold drainage. Overgrown shrub at front partially obstructs egress and should be trimmed. No visible infestation, major foundation cracking, or standing water in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Kitchen appliances (stove, refrigerator) are not shown; assume they may be missing or not staged — missing appliances reduce readiness moderately but are not a fatal safety issue.",
"Central HVAC is present and functional based on visible ceiling vents/registers; no visual confirmation of furnace/AC unit or water heater but assume serviceable unless inspection reveals otherwise.",
"Smoke detector visible in main level; assume additional detectors (bedrooms) may be present but not photographed — recommend verify and add CO detectors per PA code if fuel-burning appliances exist.",
"Electrical panel interior, GFCI protection in kitchen/baths, and outlet condition are not visible; assumed to be typical for a 2004-built home but require verification.",
"Basement/ground-level living area has a sliding door which likely provides egress; the glass-block window may not meet egress if used as a sleeping room — assume bedrooms are on upper floors but egress for any basement bedroom must be confirmed.",
"No visible active roof leaks, major foundation movement, or collapsed ceilings in photos; assume no hidden severe structural issues but recommend on-site inspection to confirm.",
"Exterior service cable seen coiled at side of house appears unsecured; assume it is low-risk but should be fastened properly for code compliance."
],
"overall_score": 72.0,
"rubric_version": "2026-02-24_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "137 Freeland St, Pittsburgh, PA, 15210",
"aggregate": {
"summary": "Property appears largely rent-ready with cosmetic updates, intact exterior envelope, and evidence of recent rental activity. Most issues visible are minor and repairable: trim shrubbery, secure exterior service wiring, confirm and install missing CO detector and any required GFCIs, and verify presence/operation of furnace, water heater and kitchen appliances. With straightforward verification and minor repairs, the unit is likely to pass an initial HCV/NSPIRE inspection within 1–3 weeks after addressing the listed unknowns.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.0,
"rationale": "Interior and exterior photos show recent cosmetic updates: fresh paint, new-looking laminate flooring, clean ceilings, and no visible water stains. Porch and exterior columns have minor paint chips and a shrub blocking part of the entry walkway that should be trimmed. No interior finish deterioration, collapsed surfaces, or exposed subfloor seen. Kitchen and appliances are not shown in listing photos — missing or non-functional appliances are possible but not visible; score reduced moderately to reflect that uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 76.7,
"rationale": "Siding, foundation block, driveway and porch look generally good. Yard slopes down away from the street and there is a downspout termination close to the foundation—this could create localized drainage risk if not tied to a drain. Shrubbery partially blocks the porch path and will need trimming. No visible infestation, major foundation displacement, or collapsed retaining walls in photos. Garage and covered porch are positive features for rental readiness."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 68.3,
"rationale": "A ceiling-mounted smoke detector is visible in living area. Interior handrail present for stair. No visible mold, active water stains, or collapsed ceilings. Exterior service entrance and cabling are visible along the side of the house and appear loosely bundled — not clearly exposed live conductors but represent a minor electrical risk that should be secured. No carbon monoxide detector is visible in photos. GFCI outlets, egress for all bedrooms, and deadbolt on entry door are not visible in provided photos; assume typical compliance but count as unknowns. Overall moderate risk that some minor code items (CO detector, GFCI checks, securing service wires, locking hardware) will be required."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.7,
"rationale": "House exterior (shingles, siding, gutters) appears in serviceable condition with no obvious roof sag or missing shingles in available exterior images. Interior shows HVAC supply/return vents indicating central HVAC, but no furnace, A/C condensing unit, water heater, electrical panel, or hot water source are shown; their operability is unverified. Given construction year (2004) and recent interior refresh, assume systems are present but recommend verification; score reduced for unknowns in plumbing, heating equipment and electrical panel access."
}
],
"red_flags": [],
"confidence": 0.82,
"assumptions": [
"Kitchen and major appliances (stove, refrigerator, dishwasher) are not shown in the photos; their presence and operational status are unknown. Missing appliances would reduce readiness moderately but are not assumed to be catastrophic.",
"A central HVAC system is assumed present because supply/return vents are visible; however, the heating/cooling equipment and water heater were not photographed and their working condition is unconfirmed.",
"At least one smoke detector is present (visible in photos); carbon monoxide detectors and GFCI-protected outlets are not visible and are assumed absent until verified.",
"Entry door locking hardware (deadbolt) is not clearly visible in photos; assumed to have standard locks but should be verified for compliance.",
"No visible signs of severe structural issues (sagging, major foundation movement, collapsed ceilings) in provided photos; assume structural integrity absent other documentation.",
"Exterior service cables appear loosely bundled but not definitively exposed energized conductors; electrical panel condition and labeling are unconfirmed."
],
"score_method": "mean_of_criteria",
"overall_score": 73.2,
"rubric_version": "2026-02-24_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3746251665"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.