Property ID: 3789899622
145 Madison Ave, Findlay, OH, 45840
Findlay, OH
Money Down: $39,576
CoC Return: 1.83%
Monthly Cash Flow: $60
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$32,980
Closing Costs
$6,596
Total Down
$39,576
Investment Snapshot
Purchase Price
$164,900
Money Down
$39,576
Cash-on-Cash Return
1.83%
Rent
$1,231
Monthly Cash Flow
$60
Annual Cash Flow
$725
Debt Service / Mo
$878
Property Tax / Mo
$126
Insurance / Mo
$44
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,231
Payment Standard
$1,484
Rent
$1,231
Insurance
$44
Property Tax
$126
Management
$123
Utilities Allowance
$253
NOI (Monthly)
$938
Debt Service
$878
Cash Flow After Debt
$60
Quality Score: 72.10%
Confidence: 90.00%
This single-family property appears generally well-maintained and likely to pass an initial HCV/NSPIRE inspection after completing a few low-to-moderate items. Exterior, roofline and site are sound; HVAC condenser and vents are present suggesting a usable heating/cooling system. Primary inspection risks are missing/uncertain life-safety items (smoke and CO alarms), GFCI protections, and verification of the electrical panel, water heater and fireplace/chimney condition. Most visible issues are cosmetic or minor repairs; with quick verification/installation of detectors and GFCIs and confirmation of mechanicals, the property should be rent-ready within 1–4 weeks.
Section 8 Payment Standard
$1,484
Utility Allowance Total
$253
Guaranteed Section 8 Rent (PS - Utilities)
$1,231
Property Management
$123
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$164,900
Beds
3
Baths
1
Living Area
1,125 sqft
Lot Size
6,970 sqft
Year Built
1950
Days on Market
94
Capital Outlay
$39,576
Debt Service
$878
Property Tax / Mo
$126
Insurance / Mo
$44
Property Description
Welcome home to this charming and well-maintained house with a fully fenced in backyard. Inside, you'll find three bedrooms, one of them being an oversized upstairs bedroom with a custom walk-in closet. Washer and dryer are included, making this home truly move-in ready. Step out back to enjoy the porch, an ideal place to kick back and unwind. Easy access to the University of Findlay, I-75, and local amenities. This one is easy to fall for - see it today! Agent is related to seller.
Utility Allowances
Heating
$75
Selected 'natural_gas' as the property has 'Natural Gas Connected' and 'Forced Air' heating. Matched to 3BR column.
Cooking
$13
Selected 'electric' as the property includes an 'Electric Oven'. Matched to 3BR column.
Other Electric
$39
Standard allowance for general electricity usage not covered by other specific items. Matched to 3BR column.
Water Heating
$33
Selected 'natural_gas' as the most common and cost-effective option when Natural Gas is connected to the property. Matched to 3BR column.
Water
$32
Property has a public water source. Matched to 3BR column.
Sewer
$36
Property has a public sewer connection. Matched to 3BR column.
Trash Collection
$25
Standard allowance for tenant-paid trash collection. Matched to 3BR column.
Refrigerator
$0
The property includes a refrigerator, so no allowance is provided for a tenant-owned appliance.
Range
$0
The property includes an 'Electric Oven', so no allowance is provided for a tenant-owned range.
Air Conditioning
$0
Although the property has 'Central Air', the provided utility schedule for this jurisdiction does not include an allowance for air conditioning.
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$511
DP3 Annual Estimate$535
DP1 Monthly Equivalent$43
DP3 Monthly Equivalent$45
Replacement Value$89,660
Basis1,125 sqft / 1950
Nearby Houses
Photo unavailable
135 Madison Ave
sold · 0.02 mi
Price: $171,400
3 bd / 2 ba · 1,553 sqft
Latest sale: $171,400
Latest rent: —
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207 Madison Ave
sold · 0.03 mi
Price: $101,500
3 bd / 1 ba · 893 sqft
Latest sale: $101,500
Latest rent: —
Photo unavailable
127 Madison Ave
sold · 0.04 mi
Price: $65,000
3 bd / 1 ba · 1,408 sqft
Latest sale: $65,000
Latest rent: —
Photo unavailable
127 Madison Ave
sold · 0.04 mi
Price: $77,000
3 bd / 1 ba · 1,408 sqft
Latest sale: $77,000
Latest rent: —
Photo unavailable
200 Madison Ave
sold · 0.05 mi
Price: $146,000
3 bd / 2 ba · 1,700 sqft
Latest sale: $146,000
Latest rent: —
Photo unavailable
208 Madison Ave
sold · 0.06 mi
Price: $104,900
3 bd / 1 ba · 1,764 sqft
Latest sale: $104,900
Latest rent: —
Photo unavailable
216 Madison Ave
off_market · 0.06 mi
Price: $1,400
3 bd / 3 ba
Latest sale: —
Latest rent: —
Photo unavailable
143 Monroe Ave
sold · 0.06 mi
Price: $138,000
3 bd / 1 ba · 1,428 sqft
Latest sale: $138,000
Latest rent: —
Photo unavailable
145 Monroe Ave
sold · 0.06 mi
Price: $99,000
2 bd / 1 ba · 800 sqft
Latest sale: $99,000
Latest rent: —
Photo unavailable
214 Madison Ave
off_market · 0.06 mi
Price: $1,400
3 bd / 3 ba · 1,450 sqft
Latest sale: —
Latest rent: —
Photo unavailable
139 Monroe Ave
sold · 0.06 mi
Price: $81,000
3 bd / 1 ba · 1,074 sqft
Latest sale: $81,000
Latest rent: —
Photo unavailable
137 Monroe Ave
sold · 0.07 mi
Price: $415,000
5 bd / 1 ba · 1,584 sqft
Latest sale: $415,000
Latest rent: —
Photo unavailable
118 Trenton Ave
sold · 0.07 mi
Price: $125,000
3 bd / 2 ba · 1,638 sqft
Latest sale: $125,000
Latest rent: —
Photo unavailable
131 Monroe Ave
sold · 0.07 mi
Price: $93,570
3 bd / 1 ba · 1,465 sqft
Latest sale: $93,570
Latest rent: —
Photo unavailable
203 Trenton Ave
sold · 0.07 mi
Price: $145,000
4 bd / 1 ba · 1,488 sqft
Latest sale: $145,000
Latest rent: —
Photo unavailable
209 Monroe Ave
sold · 0.09 mi
Price: $92,500
3 bd / 1 ba · 1,196 sqft
Latest sale: $92,500
Latest rent: —
Photo unavailable
140 Monroe Ave
for_sale · 0.10 mi
Price: $118,900
2 bd / 1 ba · 805 sqft
Latest sale: $46,000
Latest rent: —
Photo unavailable
142 Monroe Ave
sold · 0.10 mi
Price: $116,500
2 bd / 1 ba · 830 sqft
Latest sale: $116,500
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in provided interior photos — NSPIRE requires functioning detectors.
- GFCI protection in kitchen/bathrooms not confirmed from photos — required for safety compliance.
- Fireplace/chimney condition and damper not verified — requires inspection/clearance prior to use or must be secured.
- Electrical panel and water heater not shown — their condition and code compliance are unverified and must be checked before tenancy.
Assumptions
- Photos were taken during winter; snow covers roofing and some surfaces — roof condition judged from visible lines and no evidence of sagging or active leaks.
- Central HVAC is present and operational (inferred from exterior condenser and interior vents); full functionality not verified.
- Washer and dryer are included and functional as described in the listing.
- Kitchen appliances (stove/fridge) are not pictured; assumed either present or replaceable. Missing appliances alone would not be an automatic safety failure.
- Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible in photos — assumed absent/unverified and treated as inspection risks that must be confirmed or installed.
- Bedrooms (including upstairs oversized bedroom) have egress windows per typical house construction for this era, but windows were not shown for all bedrooms and must be confirmed for NSPIRE egress requirements.
- No visible signs of major structural issues (sagging roof, large foundation cracks, collapsed ceilings) in photos; absence of these conditions was assumed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,471 | $133,460 | $46,710 |
| 2023 | $1,283 | $102,710 | $35,950 |
| 2022 | $1,274 | $102,710 | $35,950 |
| 2021 | $1,174 | $82,450 | $28,858 |
| 2020 | $1,174 | $82,450 | $28,858 |
| 2018 | $1,100 | $72,340 | $25,319 |
| 2017 | $1,100 | $72,340 | $25,319 |
| 2016 | $1,094 | $72,340 | $25,319 |
| 2015 | $919 | $60,030 | $21,011 |
| 2014 | $919 | $60,030 | $21,011 |
| 2013 | $919 | $60,030 | $21,011 |
| 2012 | $924 | $60,030 | $21,020 |
| 2011 | $924 | $60,030 | $21,020 |
| 2010 | $924 | $60,030 | $21,020 |
| 2009 | $921 | $63,330 | $22,170 |
| 2008 | $835 | $63,330 | $22,170 |
| 2007 | $833 | $63,330 | $22,170 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-05 | Listed | $164,900 |
Photo Gallery
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"land": 3460,
"total": 22170,
"building": 18710
}
}
],
"property_history": [
{
"date": "2026-01-05",
"price": 164900,
"listing": {
"status": "for_sale",
"list_date": "2026-01-05T18:27:41Z",
"list_price": 164900,
"listing_id": "2989992375",
"last_update_date": "2026-02-09T18:32:31Z",
"last_status_change_date": "2026-01-05T18:27:41Z"
},
"event_name": "Listed",
"price_sqft": 146.57777777777778,
"source_name": "NWOhio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "10002753",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "3789899622",
"generated_at": "2026-02-24T23:20:20.344062Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.1
},
"utility_allowance": {
"zip_code": "45840",
"home_photo": "https://ap.rdcpix.com/fc348facb9e416379c04d483e73fe178l-m2402706773s-w1280.jpg",
"rent_price": 1231.0,
"loan_amount": 131920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/145-Madison-Ave_Findlay_OH_45840_M37898-99622",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 164900.0,
"loan_term_years": 30,
"annual_cash_flow": 11256.67,
"mortgage_monthly": 877.67,
"payment_standard": 1484.0,
"total_amount_out": 32980.0,
"additional_photos": [
"https://ap.rdcpix.com/fc348facb9e416379c04d483e73fe178l-m3268278091s-w1280.jpg",
"https://ap.rdcpix.com/fc348facb9e416379c04d483e73fe178l-m674489326s-w1280.jpg",
"https://ap.rdcpix.com/fc348facb9e416379c04d483e73fe178l-m3390424184s-w1280.jpg",
"https://ap.rdcpix.com/fc348facb9e416379c04d483e73fe178l-m3788787171s-w1280.jpg",
"https://ap.rdcpix.com/fc348facb9e416379c04d483e73fe178l-m904567692s-w1280.jpg",
"https://ap.rdcpix.com/fc348facb9e416379c04d483e73fe178l-m3331761459s-w1280.jpg",
"https://ap.rdcpix.com/fc348facb9e416379c04d483e73fe178l-m2828930206s-w1280.jpg",
"https://ap.rdcpix.com/fc348facb9e416379c04d483e73fe178l-m2309374346s-w1280.jpg",
"https://ap.rdcpix.com/fc348facb9e416379c04d483e73fe178l-m2203308671s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 43.58,
"monthly_cash_flow": 938.06,
"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": "Selected 'natural_gas' as the property has 'Natural Gas Connected' and 'Forced Air' heating. Matched to 3BR column.",
"utility": "Heating",
"allowance": 75
},
{
"note": "Selected 'electric' as the property includes an 'Electric Oven'. Matched to 3BR column.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Standard allowance for general electricity usage not covered by other specific items. Matched to 3BR column.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "Selected 'natural_gas' as the most common and cost-effective option when Natural Gas is connected to the property. Matched to 3BR column.",
"utility": "Water Heating",
"allowance": 33
},
{
"note": "Property has a public water source. Matched to 3BR column.",
"utility": "Water",
"allowance": 32
},
{
"note": "Property has a public sewer connection. Matched to 3BR column.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "Standard allowance for tenant-paid trash collection. Matched to 3BR column.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "The property includes a refrigerator, so no allowance is provided for a tenant-owned appliance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property includes an 'Electric Oven', so no allowance is provided for a tenant-owned range.",
"utility": "Range",
"allowance": 0
},
{
"note": "Although the property has 'Central Air', the provided utility schedule for this jurisdiction does not include an allowance for air conditioning.",
"utility": "Air Conditioning",
"allowance": 0
}
],
"cash_on_cash_return": 0.34,
"down_payment_amount": 32980.0,
"property_tax_annual": 1515.13,
"property_tax_monthly": 126.26,
"property_tax_increase": 0.03,
"utility_allowance_total": 253.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hancockmetro.com",
"https://hancockmetro.com/wp-content/uploads/2025/10/2026-Payment-Standards.pdf"
],
"effective_date": "2025-12-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 724.67,
"property_management_monthly": 123.1,
"monthly_cash_flow_after_debt": 60.39,
"cash_on_cash_return_after_debt": 0.02
},
"section8_assessment": {
"runs": [
{
"summary": "This single-family property appears generally well-maintained and likely to pass an initial HCV/NSPIRE inspection after completing a few low-to-moderate items. Exterior, roofline and site are sound; HVAC condenser and vents are present suggesting a usable heating/cooling system. Primary inspection risks are missing/uncertain life-safety items (smoke and CO alarms), GFCI protections, and verification of the electrical panel, water heater and fireplace/chimney condition. Most visible issues are cosmetic or minor repairs; with quick verification/installation of detectors and GFCIs and confirmation of mechanicals, the property should be rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show a well-maintained house with fresh-looking paint, new/clean carpet in main living area, intact siding, and a clean detached garage. Porch, steps and metal railing are present and appear serviceable. Minor cosmetic items visible: paint touch-ups around fireplace, some staining on block foundation at porch base, and minor wear at exterior step edges. Listing indicates washer/dryer included (positive). Kitchen appliances not shown in photos; absence of visible stove/fridge assumed fixable if missing. Overall mostly cosmetic and minor repairs only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 65.0,
"rationale": "No obvious life-threatening hazards visible (no sagging roof, no standing water, no collapsed ceilings, no visible exposed live wiring). Porch steps have a handrail. Central HVAC vents and outside condenser are visible suggesting heating/cooling system present. However, required safety items are not visible in photos: smoke detectors and carbon monoxide alarms are not shown, GFCI protection in kitchen/bathrooms is not confirmed, and electrical panel location is not shown. Fireplace is present and would require verification of proper damper/chimney condition. Bedroom egress windows are not shown/confirmed. These unknowns create moderate inspection risk though not directly observed failures."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (roof, HVAC, electrical, plumbing)",
"score": 70.0,
"rationale": "Exterior shows intact roofline with no visible sagging and intact gutters/downspouts. Central AC condenser present outside and interior vents visible, suggesting forced-air HVAC (likely functional but not verified). No water intrusion stains in interior photos, and plumbing fixtures are not visible but listing notes washer/dryer included. Electrical panel not pictured; visible outlets and switches have covers. Water heater and electrical panel not shown — unknown condition. Overall systems appear present and reasonably maintained but require verification (service records, water heater, panel, fireplace chimney)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 85.0,
"rationale": "Large, flat lot with fully fenced backyard per listing, paved driveway, and detached garage in good visible condition. Siding and trim look recently painted or in good condition; gutters and downspout extensions present to move water away. Walkway/driveway covered with snow but appear usable; no visible foundation cracks or major settlement. Landscaping minimal; no visible infestation or debris. Overall low exterior/site risk."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in provided interior photos — NSPIRE requires functioning detectors.",
"GFCI protection in kitchen/bathrooms not confirmed from photos — required for safety compliance.",
"Fireplace/chimney condition and damper not verified — requires inspection/clearance prior to use or must be secured.",
"Electrical panel and water heater not shown — their condition and code compliance are unverified and must be checked before tenancy."
],
"confidence": 0.7,
"assumptions": [
"Photos were taken during winter; snow covers roofing and some surfaces — roof condition judged from visible lines and no evidence of sagging or active leaks.",
"Central HVAC is present and operational (inferred from exterior condenser and interior vents); full functionality not verified.",
"Washer and dryer are included and functional as described in the listing.",
"Kitchen appliances (stove/fridge) are not pictured; assumed either present or replaceable. Missing appliances alone would not be an automatic safety failure.",
"Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible in photos — assumed absent/unverified and treated as inspection risks that must be confirmed or installed.",
"Bedrooms (including upstairs oversized bedroom) have egress windows per typical house construction for this era, but windows were not shown for all bedrooms and must be confirmed for NSPIRE egress requirements.",
"No visible signs of major structural issues (sagging roof, large foundation cracks, collapsed ceilings) in photos; absence of these conditions was assumed."
],
"overall_score": 75.0,
"rubric_version": "nsPIRE-v1-2026-02"
},
{
"summary": "Overall this single-family home appears generally well maintained and close to Section 8 / NSPIRE readiness. The exterior, roof and visible systems look intact and there are only minor cosmetic issues (carpet spots, small concrete wear). The principal inspection risks are several unverified safety/system items: smoke and carbon monoxide alarms are not visible in photos (required), bedroom egress for the upstairs room cannot be confirmed, and electrical/GFCI and water heater status are not shown. If smoke/CO alarms are installed and major systems (furnace, hot water, electrical panel) are operational, the property should pass an initial HCV inspection with minor fixes and be rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior and interior appear maintained with recent paint, intact siding, and a detached garage. Interior photos show clean but slightly stained/newer carpet, intact drywall, painted brick fireplace and no visible water stains or severe wear. Small repairs likely: carpet cleaning or replacement in spots, minor concrete tuckpointing on porch steps, and typical cosmetic touch-ups. Kitchen and bathroom photos are not provided so missing appliance or fixture issues are uncertain — listing states washer/dryer included. Overall observable condition is good; therefore only minor-to-moderate cosmetic work expected."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 65.0,
"rationale": "No visible exposed wiring, handrails and guardrail present at the front porch, and vents indicate forced-air HVAC. However, no smoke detectors or carbon monoxide alarms are visible in any interior photos (required by NSPIRE). Bedroom egress (upstairs dormer) is visible but window size/egress compliance cannot be confirmed. GFCI protection in kitchen/bath and electrical panel condition are not shown. Chimney/fireplace present — CO alarm and chimney/flue inspection may be required. These unknowns create a moderate inspection risk; corrective actions (install detectors, verify egress and GFCI) are straightforward but required for pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "An exterior A/C condensing unit and interior floor vents are visible, indicating an operable forced-air system is present. Roof appears intact under light snow with no visible sagging or leaks. No water stains observed inside. Electrical panel, water heater and hot water availability are not shown. Given the visible HVAC unit and generally tidy condition, major systems likely functional but unverified — inspector will need to confirm furnace operation, hot water, water heater condition and electrical panel labeling. Because evidence points to functioning HVAC and intact roof, systems risk is moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Large, flat lot with detached garage and paved parking/driveway. Siding, gutters and downspouts appear in good condition; downspout extensions present. Front porch and steps have a handrail and painted block foundation that appears stable. No visible standing water, major foundation cracks, or collapsed features. Yard is fully fenced per description (fence not clearly visible in photos but listed). Overall exterior/site condition is good with only routine maintenance likely."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos — NSPIRE failure risk if missing.",
"Bedroom egress for upstairs/oversized bedroom cannot be confirmed from photos and may fail if window does not meet egress size requirements.",
"Kitchen/bath electrical (GFCI) and main electrical panel not shown — potential inspection failure if unsafe or missing protections."
],
"confidence": 0.7,
"assumptions": [
"Listing is accurate that washer and dryer are included and that a fully fenced backyard exists (fence not shown clearly in photos).",
"Kitchen and bathroom appliances/fixtures are present and functioning unless otherwise noted; lack of kitchen photos introduces scoring uncertainty.",
"Heating system exists and is functional (evidence: floor vents and external AC unit).",
"No active roof leaks or major plumbing leaks are present — interior photos show no water stains or mold.",
"Paint appears intact in photos; no visible flaking/peeling lead-risk paint detected, but house was built in 1950 so lead risk should be assessed during inspection."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-v1.0"
},
{
"summary": "Overall the property appears in good cosmetic and functional condition with intact exterior, a working-looking HVAC condenser, and a tidy interior — likely rent-ready with minor repairs and verification. The primary inspection risk is lack of visible life-safety devices (smoke and CO detectors) and unverified GFCI protection and plumbing/electrical components because kitchen/bath and service-closet photos are not provided. With installation/verification of required smoke/CO detectors, confirmation of heating/water heating and GFCI in wet areas, this property would likely pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show a well-maintained home with recent-looking carpet, painted walls, intact siding, and a clean painted fireplace. Cosmetic issues visible: some carpet staining near entry, minor staining on porch block, and slight ceiling texture irregularities. No major visible damage to drywall, windows or doors. Kitchen and bathroom photos are not provided so finish condition there is unknown. Missing or unshown kitchen appliances (stove/fridge) reduce score moderately but listing states washer/dryer are included."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Exterior, steps and railings appear serviceable and there are no visible structural failures. However no smoke detectors or carbon monoxide detectors are visible in the interior photos (likely an automatic fail on an initial NSPIRE inspection if none are present). Egress windows appear plausible (living room and upstairs dormer window visible) but bedrooms are not photographed so egress can't be fully confirmed. No exposed wiring or obvious electrical hazards visible. GFCI outlets in kitchen/bathrooms are not shown. Overall there are notable documentation/visible-device gaps that create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "A modern outdoor HVAC condenser is visible indicating central heating/cooling is present. Roof appears intact under snow cover, gutters are present and draining (downspout visible). No visible signs of active water intrusion, foundation settlement, or sagging ceilings. Electrical panel, water heater and furnace are not photographed so operational condition is assumed but not confirmed. Given the visible HVAC condenser and generally maintained condition, systems appear functional but remain partially unverified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Siding, windows, gutters and detached garage all appear in good condition. Front porch, steps and guardrail are present and look secure. The lot is level and fully fenced backyard is advertised (not pictured in detail) which is a positive for tenant safety and use. Snow covers the yard and driveway so trip hazards or surface deterioration could be hidden but no visible signs of site neglect or infestation were observed."
}
],
"red_flags": [
"No visible smoke detectors in interior photos (required; omission will fail inspection if absent).",
"No visible carbon monoxide detector in interior photos (required when fuel-burning appliances or attached garages are present or per local code)."
],
"confidence": 0.72,
"assumptions": [
"Central HVAC is operational (outdoor condenser visible) and provides heat; furnace/water heater are present and functional though not photographed.",
"Bedrooms have code-compliant egress windows; upstairs dormer window likely serves as a bedroom window.",
"Entry door has a lock and likely a deadbolt (photo shows two lock points) but landlord should confirm functioning deadbolt.",
"Kitchen and bathroom conditions (fixtures, GFCI outlets, flooring) are not shown; assumed serviceable but require verification.",
"No active roof leaks or foundation movement present; roof snow limits visual roof assessment but no sagging or staining was visible on ceilings.",
"Washer and dryer included as stated in listing; range and refrigerator not shown and may or may not be included."
],
"overall_score": 70.0,
"rubric_version": "nsPIRE-v1.0-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "145 Madison Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "This single-family property appears generally well-maintained and likely to pass an initial HCV/NSPIRE inspection after completing a few low-to-moderate items. Exterior, roofline and site are sound; HVAC condenser and vents are present suggesting a usable heating/cooling system. Primary inspection risks are missing/uncertain life-safety items (smoke and CO alarms), GFCI protections, and verification of the electrical panel, water heater and fireplace/chimney condition. Most visible issues are cosmetic or minor repairs; with quick verification/installation of detectors and GFCIs and confirmation of mechanicals, the property should be rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 76.7,
"rationale": "Interior and exterior photos show a well-maintained house with fresh-looking paint, new/clean carpet in main living area, intact siding, and a clean detached garage. Porch, steps and metal railing are present and appear serviceable. Minor cosmetic items visible: paint touch-ups around fireplace, some staining on block foundation at porch base, and minor wear at exterior step edges. Listing indicates washer/dryer included (positive). Kitchen appliances not shown in photos; absence of visible stove/fridge assumed fixable if missing. Overall mostly cosmetic and minor repairs only."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 81.7,
"rationale": "Large, flat lot with fully fenced backyard per listing, paved driveway, and detached garage in good visible condition. Siding and trim look recently painted or in good condition; gutters and downspout extensions present to move water away. Walkway/driveway covered with snow but appear usable; no visible foundation cracks or major settlement. Landscaping minimal; no visible infestation or debris. Overall low exterior/site risk."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 61.7,
"rationale": "No obvious life-threatening hazards visible (no sagging roof, no standing water, no collapsed ceilings, no visible exposed live wiring). Porch steps have a handrail. Central HVAC vents and outside condenser are visible suggesting heating/cooling system present. However, required safety items are not visible in photos: smoke detectors and carbon monoxide alarms are not shown, GFCI protection in kitchen/bathrooms is not confirmed, and electrical panel location is not shown. Fireplace is present and would require verification of proper damper/chimney condition. Bedroom egress windows are not shown/confirmed. These unknowns create moderate inspection risk though not directly observed failures."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (roof, HVAC, electrical, plumbing)",
"score": 70.0,
"rationale": "Exterior shows intact roofline with no visible sagging and intact gutters/downspouts. Central AC condenser present outside and interior vents visible, suggesting forced-air HVAC (likely functional but not verified). No water intrusion stains in interior photos, and plumbing fixtures are not visible but listing notes washer/dryer included. Electrical panel not pictured; visible outlets and switches have covers. Water heater and electrical panel not shown — unknown condition. Overall systems appear present and reasonably maintained but require verification (service records, water heater, panel, fireplace chimney)."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in provided interior photos — NSPIRE requires functioning detectors.",
"GFCI protection in kitchen/bathrooms not confirmed from photos — required for safety compliance.",
"Fireplace/chimney condition and damper not verified — requires inspection/clearance prior to use or must be secured.",
"Electrical panel and water heater not shown — their condition and code compliance are unverified and must be checked before tenancy."
],
"confidence": 0.9,
"assumptions": [
"Photos were taken during winter; snow covers roofing and some surfaces — roof condition judged from visible lines and no evidence of sagging or active leaks.",
"Central HVAC is present and operational (inferred from exterior condenser and interior vents); full functionality not verified.",
"Washer and dryer are included and functional as described in the listing.",
"Kitchen appliances (stove/fridge) are not pictured; assumed either present or replaceable. Missing appliances alone would not be an automatic safety failure.",
"Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible in photos — assumed absent/unverified and treated as inspection risks that must be confirmed or installed.",
"Bedrooms (including upstairs oversized bedroom) have egress windows per typical house construction for this era, but windows were not shown for all bedrooms and must be confirmed for NSPIRE egress requirements.",
"No visible signs of major structural issues (sagging roof, large foundation cracks, collapsed ceilings) in photos; absence of these conditions was assumed."
],
"score_method": "mean_of_criteria",
"overall_score": 72.1,
"rubric_version": "nsPIRE-v1-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3789899622"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.