Property ID: 3780769069
323 Church Ave, Pittsburgh, PA, 15210
Pittsburgh, PA
Money Down: $40,800
CoC Return: 29.96%
Monthly Cash Flow: $1,019
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$34,000
Closing Costs
$6,800
Total Down
$40,800
Investment Snapshot
Purchase Price
$170,000
Money Down
$40,800
Cash-on-Cash Return
29.96%
Rent
$2,480
Monthly Cash Flow
$1,019
Annual Cash Flow
$12,225
Debt Service / Mo
$905
Property Tax / Mo
$260
Insurance / Mo
$49
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,480
Payment Standard
$2,952
Rent
$2,480
Insurance
$49
Property Tax
$260
Management
$248
Utilities Allowance
$472
NOI (Monthly)
$1,924
Debt Service
$905
Cash Flow After Debt
$1,019
Quality Score: 73.50%
Confidence: 94.00%
This 3-bed single-family appears largely rent-ready for Section 8 with minor-to-moderate repairs expected. The home shows good cosmetic condition, intact structure, a covered porch, fenced yard and a two-car garage. Primary inspection risks are unknown condition/placement of smoke and CO detectors, GFCI protection in kitchen/bath, and undocumented condition of electrical panel, water heater/boiler and potential basement moisture. No visible major structural or life-safety failures were detected in the provided photos. With documented working smoke/CO alarms, GFCI verification, and routine servicing of mechanical systems, the property is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after minor fixes (estimated rent-ready within 1–4 weeks if systems are operational; up to 30 days if repairs are needed).
Section 8 Payment Standard
$2,952
Utility Allowance Total
$472
Guaranteed Section 8 Rent (PS - Utilities)
$2,480
Property Management
$248
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$170,000
Beds
3
Baths
1.5
Living Area
1,503 sqft
Lot Size
3,842 sqft
Year Built
1923
Days on Market
84
Capital Outlay
$40,800
Debt Service
$905
Property Tax / Mo
$260
Insurance / Mo
$49
Property Description
Some homes feel collected over time - this is one of them. Original wood doors throughout, oak railings, molding, and refinished hardwood floors speak to the craftsmanship of this classic American Foursquare you don't often find anymore, while thoughtful updates make everyday living easy. A gas-log fireplace with exposed brick anchors the living space, and the covered front porch offers a quiet place to start or end the day. Out back, a fenced yard creates room to relax, garden, or entertain, and an oversized driveway with a large two-car garage is a true standout for a city neighborhood. Inside, a mudroom off the kitchen adds practical flexibility, while a finished third-floor space accessed through the primary bedroom provides a valuable bonus-ideal for a home office, studio, or creative retreat. The basement is generously sized with a flex area currently used as a gym, a secondary toilet and shower, and ample storage. Convenient access to downtown, Brownsville Road, and public transportation.
Utility Allowances
Heating
$82
Selected 'natural_gas' for a 3-bedroom unit as property details specify 'Heating Features: Gas'.
Cooking
$8
Selected 'natural_gas' for a 3-bedroom unit as property details list 'Gas Stove' under inclusions.
Water Heating
$24
Selected 'natural_gas' for a 3-bedroom unit. This is inferred as the property uses natural gas for both heating and cooking.
Other Electric
$75
Standard allowance for a 3-bedroom unit covering lights, outlets, and general electrical use.
Air Conditioning
$17
Allowance for a 3-bedroom unit, as property details specify 'Cooling Features: Central'.
Water
$101
Allowance for a 3-bedroom unit, as property details list 'Water Source: Public'.
Sewer
$147
Allowance for a 3-bedroom unit, as property details list 'Sewer: Public'.
Refrigerator
$0
The property includes a refrigerator, so no allowance is provided for a tenant-owned appliance.
Range/Microwave
$18
A microwave is not listed as an included appliance, so this allowance for a tenant-owned microwave is applied.
Trash Collection
$0
The utility allowance schedule does not provide a value for trash collection for any unit size.
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$392
DP3 Annual Estimate$776
DP1 Monthly Equivalent$33
DP3 Monthly Equivalent$65
Replacement Value$75,300
Basis1,503 sqft / 1923
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- At least one smoke alarm is present (visible near entry) and more may be required in each sleeping area; exact placement not confirmed.
- Heating is provided by the visible radiators (boiler) and is operational or serviceable; no visual evidence of lack of heat.
- Electrical panel, water heater, and HVAC equipment exist in basement/utility spaces though not shown; condition unknown.
- Bedrooms have code-compliant egress windows typical of houses of this era, but bedroom photos were not provided to confirm.
- Kitchen appliances (stove/fridge) are not shown in listing photos; absence would be a moderate issue but not an automatic fail if tenant-supplied or provided prior to inspection.
- No active roof leaks or significant basement water intrusion are present since there are no visible stains or mold in interior photos; limited photo set could miss localized issues.
- Porch knee-wall and stair railings meet code heights or are acceptable to local inspector; exact dimensions not verified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $3,026 | $91,200 | $91,200 |
| 2024 | $2,779 | $91,200 | $91,200 |
| 2023 | $2,597 | $91,200 | $91,200 |
| 2022 | $2,570 | $91,200 | $91,200 |
| 2021 | $1,468 | $52,100 | $52,100 |
| 2020 | $1,462 | $52,100 | $52,100 |
| 2019 | $1,462 | $52,100 | $52,100 |
| 2018 | $1,462 | $52,100 | $52,100 |
| 2017 | $1,462 | $52,100 | $52,100 |
| 2016 | $1,462 | $52,100 | $52,100 |
| 2015 | $1,462 | $52,100 | $52,100 |
| 2014 | $1,452 | $52,100 | $52,100 |
| 2013 | $1,675 | $52,100 | $52,100 |
| 2012 | $1,059 | $32,000 | $32,000 |
| 2011 | $1,027 | $32,000 | $32,000 |
| 2010 | $1,027 | $32,000 | $32,000 |
| 2009 | $1,027 | $32,000 | $32,000 |
| 2008 | $1,027 | $32,000 | $32,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-04-18 | Sold | $105,750 |
| 2006-07-06 | Sold | $75,900 |
Photo Gallery
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"down_payment_amount": 34000.0,
"property_tax_annual": 3116.78,
"property_tax_monthly": 259.73,
"property_tax_increase": 0.03,
"utility_allowance_total": 472.0,
"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": 12225.48,
"property_management_monthly": 248.0,
"monthly_cash_flow_after_debt": 1018.79,
"cash_on_cash_return_after_debt": 0.36
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed single-family appears largely rent-ready for Section 8 with minor-to-moderate repairs expected. The home shows good cosmetic condition, intact structure, a covered porch, fenced yard and a two-car garage. Primary inspection risks are unknown condition/placement of smoke and CO detectors, GFCI protection in kitchen/bath, and undocumented condition of electrical panel, water heater/boiler and potential basement moisture. No visible major structural or life-safety failures were detected in the provided photos. With documented working smoke/CO alarms, GFCI verification, and routine servicing of mechanical systems, the property is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after minor fixes (estimated rent-ready within 1–4 weeks if systems are operational; up to 30 days if repairs are needed).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Exterior and interior photos show a well-maintained older home with refinished hardwoods, intact plaster/drywall, original woodwork, and a clean finished porch. Observable deferred items are cosmetic: worn finish on the front door and stair treads, cracked asphalt driveway, and some concrete curb/sidewalk spalling. No obvious collapsed surfaces, major rot, or missing structural elements. Listing does not show kitchen appliances — absence of visible stove/fridge would moderately lower score but is not a structural failure."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "No active life-threatening hazards visible (no collapsed ceilings, standing water, exposed high-voltage wiring). A round smoke/alarms-like device is visible near the entry (inferred as a smoke alarm). Radiator heating indicates a permanent heat source. Handrail is present on the main interior stair and a railing or solid knee-wall at the porch edge reduces fall risk. Unknowns: presence/placement of smoke detectors in all sleeping areas, carbon monoxide alarms, GFCI protection in kitchen/bath, condition of electrical panel, and bedroom egress windows (bedroom images not supplied). Those unknown but plausible items reduce the safety score modestly."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Roof and attic/dormer visible from exterior appear intact with newer-looking shingles and no obvious sag. Heating appears to be a radiator/boiler system (visible radiators) which implies an installed heat source. Basement reportedly has a toilet and shower (listing) which suggests plumbing is present and functioning; no visible active leaks in interior photos. Mechanical/electrical components (water heater, furnace/boiler, electrical panel, AC) are not shown; given the home's age (1923) systems may be older though maintained. Because critical system evidence is not shown, score reduced to reflect inspection risk and potential need for servicing."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 75.0,
"rationale": "Brick exterior and stone foundation appear sound in photos. Yard is fenced and the property includes an oversized driveway and detached two-car garage. Driveway and concrete walk have multiple cracks/spalled areas that are trip hazards and will benefit from repair. Garage exterior looks serviceable though asphalt at garage approach shows potholes/patching. Drainage direction away from foundation not directly visible but no signs of active water intrusion at basement-level glass block windows. Overall, exterior shows normal wear for age but no obvious structural failure."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"At least one smoke alarm is present (visible near entry) and more may be required in each sleeping area; exact placement not confirmed.",
"Heating is provided by the visible radiators (boiler) and is operational or serviceable; no visual evidence of lack of heat.",
"Electrical panel, water heater, and HVAC equipment exist in basement/utility spaces though not shown; condition unknown.",
"Bedrooms have code-compliant egress windows typical of houses of this era, but bedroom photos were not provided to confirm.",
"Kitchen appliances (stove/fridge) are not shown in listing photos; absence would be a moderate issue but not an automatic fail if tenant-supplied or provided prior to inspection.",
"No active roof leaks or significant basement water intrusion are present since there are no visible stains or mold in interior photos; limited photo set could miss localized issues.",
"Porch knee-wall and stair railings meet code heights or are acceptable to local inspector; exact dimensions not verified."
],
"overall_score": 75.0,
"rubric_version": "2026-02-24_v1"
},
{
"summary": "This 1923 single-family home appears mostly sound and likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after minor repairs and verification of systems. The property shows good interior finish, a usable front porch, functioning heating indicators (radiators), and a solid garage. Key verifications needed before inspection: operational smoke and carbon monoxide detectors in required locations, condition of electrical panel and GFCI protection, proper fireplace venting/damper for the gas-log unit, plumbing/hot water operation, and that all bedrooms have code egress windows. Exterior trip hazards (cracked driveway/sidewalk) and any required deadbolt/secure locks at entry should be addressed prior to the inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs needed",
"score": 80.0,
"rationale": "House appears generally well maintained: refinished hardwoods, intact interior trim, covered front porch in good shape and a solid-looking detached two-car garage. Visible exterior brick and roof shingles appear in good repair. Observable deferred items are minor: cracked/patchy driveway and small concrete step/curb chips, aging porch awnings, and some cosmetic scuffs on interior trim/doors. No severely damaged floors, collapsed surfaces, or obvious major water damage visible. Kitchen and many interior rooms (bath, laundry) were not shown — lack of photos reduced score slightly but missing appliances are not assumed to be an automatic major fail."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 70.0,
"rationale": "Positive indicators: visible smoke detector on main level, solid porch parapet (no missing guardrails), stair handrail present, radiators indicate a heating system is present. No exposed wiring visible in photos, no obvious active roof leaks or ceiling collapse. Uncertainties/risks: no clearly visible carbon monoxide alarm (required in many jurisdictions for gas appliances), electrical panel and GFCI protection in kitchen/baths not shown, bedroom egress windows not explicitly photographed for all bedrooms, gas-log fireplace requires verification of proper venting and functioning damper. Cracked driveway and uneven sidewalk sections present trip hazards at exterior approaches."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 65.0,
"rationale": "Roof shingles visible in photos look serviceable and there is no visible active roof failure. Heating appears to be a radiator/boiler system (radiators visible), which suggests heating is present — but no confirmation of operational status. No visible central AC unit; likely not present or not shown (AC not required for Section 8 but is a tenant comfort item). Plumbing appears functional (listing states a secondary toilet and shower in basement) though water heater and drain condition not shown. Electrical service, panel condition, and GFCI outlets are not visible in photos and therefore unknown; this uncertainty reduces the score."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and yard condition",
"score": 75.0,
"rationale": "Exterior brick and stone foundation faces appear intact with no visible large foundation cracks or sagging. Fenced yard and oversized driveway with access to a two-car garage are strong positives. Driveway pavement is cracked and patched and some sidewalks/curb edges are deteriorated (trip hazard). Garage structure looks intact though the driveway surface condition will need minor repair. No sign of heavy exterior neglect or infestation in provided photos."
}
],
"red_flags": [
"No clearly visible carbon monoxide (CO) detector in photos — required where gas appliances or attached garages exist.",
"Electrical panel and presence of GFCI protection are not shown — potential NSPIRE failure if missing or unsafe.",
"Gas-log fireplace requires verification of safe venting, a sound flue, and proper operability; fireplace-related hazards can be inspection-failing.",
"Cracked and uneven driveway/sidewalk surfaces at the public approach represent trip hazards that should be repaired.",
"Property built in 1923: potential lead-based paint risk (pre-1978 construction). Condition of painted surfaces must be assessed for peeling paint and lead hazards.",
"Basement egress and safe exit paths not demonstrated in photos — emergency egress must be verified for habitable basement areas."
],
"confidence": 0.7,
"assumptions": [
"The white round device visible on the wall near the front door is a smoke detector and is operational.",
"Heating is by boiler/radiator (radiators are visible) and provides working heat; boiler condition assumed serviceable but not visually verified.",
"Roof shingles visible are in generally serviceable condition; no active leaks were observed in interior photos.",
"Kitchen appliances (range, refrigerator) and water heater are not visible in the photos; their presence and operational status are unknown — score assumes at least basic functioning plumbing and a heat source.",
"Electrical panel, circuit labeling, and presence of GFCI protection in kitchen/bath are unknown (not visible) and assumed to be typical for a maintained occupied house — but must be verified.",
"No visible significant mold, active water intrusion, or structural sagging was observed in provided photos; if present but unseen, that would significantly lower scores."
],
"overall_score": 73.0,
"rubric_version": "2026-02-24_v1"
},
{
"summary": "Overall the property appears to be in good, primarily move-in-ready condition with preserved historic finishes, a covered porch, fenced yard, and a large two-car garage. Visible issues are largely cosmetic (driveway cracking, worn door finishes) and documentation/verification items (smoke/CO coverage, GFCI, appliance presence, gas-log hookup safety). No major structural failures or life-safety hazards are evident in photos. With basic verification of smoke/CO detectors, confirmation of functioning heating and hot water, and installation/confirmation of required GFCI outlets where needed, this home is likely to pass an initial HCV/NSPIRE inspection after addressing small repairs (estimated minor repairs within 1–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Photos show well-maintained original interior finishes: refinished hardwood floors, intact wood trim, solid stair railing, and a clean fireplace surround. Exterior brick and porch appear intact. Observable deferred items are cosmetic and low-capacity: cracked driveway/asphalt, minor concrete step edge wear, and some scuffed wood door finishes. Kitchen and appliance condition not shown in photos (listing mentions mudroom and updates but no appliance photos). No visible severe interior damage. Missing/unseen appliances reduce score moderately because they are not confirmed present."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No visible life-threatening hazards in photos: stairs have a continuous handrail, porch has guard/rail, no collapsed ceilings, and windows appear intact. Radiators indicate a working heating distribution system likely present. Exterior entry appears secure with a deadbolt visible on the front door. Uncertainties lower the score: smoke/CO detectors are not clearly visible in all required locations (one small wall device is visible but bedroom/levels coverage not confirmed), GFCI outlets in kitchen/bath cannot be verified from photos, and bedroom egress is assumed adequate but not fully confirmed. Gas-log fireplace present — gas connection condition not verified. No exposed wiring or active water intrusion observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 68.0,
"rationale": "Roof shingles and dormer look in good visual condition with no visible sagging or active leak evidence. Heating appears to be radiator/boiler (cast-iron radiator visible), which suggests functional heat distribution; however operational status not verified. Electrical meter and service are visible on exterior wall and appear intact; interior electrical panel not photographed. Plumbing and water heater not shown; listing notes basement has a secondary toilet and shower which implies plumbing present. Gas-log fireplace exists and will require verification of safe gas connection/venting. Because critical systems are present visually but not fully documented or tested, score reflects moderate confidence."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brick masonry and covered front porch are in good condition; porch structure, columns, and ceiling look well maintained. Fenced backyard and large detached two-car garage are strong positives for tenant use. Driveway and area in front of garage show significant cracking and surface deterioration that is mostly cosmetic but could present trip hazards if not addressed. Sidewalk/curb cracks visible but not severe. Property appears free of visible infestation, standing water, or major drainage failure in provided photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"The interior kitchen and major appliances (stove, refrigerator) are present or will be provided; photos did not show the kitchen so appliances are unconfirmed.",
"Heating is provided via the visible cast-iron radiators and the boiler is operational or serviceable; no active lack-of-heat condition is apparent in photos.",
"No active roof leaks or significant unseen water intrusion exist; roof appears sound in photos.",
"Smoke and carbon monoxide detection coverage is incomplete in photos — assume at least one device exists but that full required placement (each sleeping area and each level) may need verification or installation.",
"Electrical panel and grounding are assumed intact (meter and service visible on exterior) but interior panel condition was not shown and needs verification.",
"No evidence of severe mold, structural sagging, foundation movement, collapsed ceilings, or active standing water was visible; assume these are not present.",
"Because the house was built in 1923, a lead-based paint risk is possible; no peeling or flaking paint was observed in photos."
],
"overall_score": 72.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "323 Church Ave, Pittsburgh, PA, 15210",
"aggregate": {
"summary": "This 3-bed single-family appears largely rent-ready for Section 8 with minor-to-moderate repairs expected. The home shows good cosmetic condition, intact structure, a covered porch, fenced yard and a two-car garage. Primary inspection risks are unknown condition/placement of smoke and CO detectors, GFCI protection in kitchen/bath, and undocumented condition of electrical panel, water heater/boiler and potential basement moisture. No visible major structural or life-safety failures were detected in the provided photos. With documented working smoke/CO alarms, GFCI verification, and routine servicing of mechanical systems, the property is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after minor fixes (estimated rent-ready within 1–4 weeks if systems are operational; up to 30 days if repairs are needed).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.3,
"rationale": "Exterior and interior photos show a well-maintained older home with refinished hardwoods, intact plaster/drywall, original woodwork, and a clean finished porch. Observable deferred items are cosmetic: worn finish on the front door and stair treads, cracked asphalt driveway, and some concrete curb/sidewalk spalling. No obvious collapsed surfaces, major rot, or missing structural elements. Listing does not show kitchen appliances — absence of visible stove/fridge would moderately lower score but is not a structural failure."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 75.0,
"rationale": "Brick exterior and stone foundation appear sound in photos. Yard is fenced and the property includes an oversized driveway and detached two-car garage. Driveway and concrete walk have multiple cracks/spalled areas that are trip hazards and will benefit from repair. Garage exterior looks serviceable though asphalt at garage approach shows potholes/patching. Drainage direction away from foundation not directly visible but no signs of active water intrusion at basement-level glass block windows. Overall, exterior shows normal wear for age but no obvious structural failure."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 71.7,
"rationale": "No active life-threatening hazards visible (no collapsed ceilings, standing water, exposed high-voltage wiring). A round smoke/alarms-like device is visible near the entry (inferred as a smoke alarm). Radiator heating indicates a permanent heat source. Handrail is present on the main interior stair and a railing or solid knee-wall at the porch edge reduces fall risk. Unknowns: presence/placement of smoke detectors in all sleeping areas, carbon monoxide alarms, GFCI protection in kitchen/bath, condition of electrical panel, and bedroom egress windows (bedroom images not supplied). Those unknown but plausible items reduce the safety score modestly."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 67.7,
"rationale": "Roof and attic/dormer visible from exterior appear intact with newer-looking shingles and no obvious sag. Heating appears to be a radiator/boiler system (visible radiators) which implies an installed heat source. Basement reportedly has a toilet and shower (listing) which suggests plumbing is present and functioning; no visible active leaks in interior photos. Mechanical/electrical components (water heater, furnace/boiler, electrical panel, AC) are not shown; given the home's age (1923) systems may be older though maintained. Because critical system evidence is not shown, score reduced to reflect inspection risk and potential need for servicing."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"At least one smoke alarm is present (visible near entry) and more may be required in each sleeping area; exact placement not confirmed.",
"Heating is provided by the visible radiators (boiler) and is operational or serviceable; no visual evidence of lack of heat.",
"Electrical panel, water heater, and HVAC equipment exist in basement/utility spaces though not shown; condition unknown.",
"Bedrooms have code-compliant egress windows typical of houses of this era, but bedroom photos were not provided to confirm.",
"Kitchen appliances (stove/fridge) are not shown in listing photos; absence would be a moderate issue but not an automatic fail if tenant-supplied or provided prior to inspection.",
"No active roof leaks or significant basement water intrusion are present since there are no visible stains or mold in interior photos; limited photo set could miss localized issues.",
"Porch knee-wall and stair railings meet code heights or are acceptable to local inspector; exact dimensions not verified."
],
"score_method": "mean_of_criteria",
"overall_score": 73.5,
"rubric_version": "2026-02-24_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3780769069"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.