Property ID: 3846059397
322 Midland Ave, Findlay, OH, 45840
Findlay, OH
Money Down: $35,976
CoC Return: -4.26%
Monthly Cash Flow: $-128
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$29,980
Closing Costs
$5,996
Total Down
$35,976
Investment Snapshot
Purchase Price
$149,900
Money Down
$35,976
Cash-on-Cash Return
-4.26%
Rent
$901
Monthly Cash Flow
$-128
Annual Cash Flow
$-1,533
Debt Service / Mo
$798
Property Tax / Mo
$98
Insurance / Mo
$43
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$901
Payment Standard
$1,127
Rent
$901
Insurance
$43
Property Tax
$98
Management
$90
Utilities Allowance
$226
NOI (Monthly)
$670
Debt Service
$798
Cash Flow After Debt
$-128
Quality Score: 65.60%
Confidence: 92.00%
This 2BR/1BA home appears generally sound and would likely pass many NSPIRE visual checks after a focused set of minor repairs and safety updates. Primary deficiencies from the photos are: absence of visible smoke/CO alarms (likely immediate fail), drop-ceiling tile issues and some ceiling staining (needs further investigation), cracked sidewalk/driveway trip hazards, and typical cosmetic updates. Major structural or system failures are not evident in the images; however HVAC and water heater condition could not be confirmed from photos and should be verified. With installation of required detectors, addressing electrical cord hazards, replacing/repairing damaged ceiling tiles, repairing sidewalk trip hazards, and confirming HVAC/hot water operation the property should be rent-ready within ~2–4 weeks.
Section 8 Payment Standard
$1,127
Utility Allowance Total
$226
Guaranteed Section 8 Rent (PS - Utilities)
$901
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$149,900
Beds
2
Baths
1
Living Area
1,088 sqft
Lot Size
6,534 sqft
Year Built
1900
Days on Market
87
Capital Outlay
$35,976
Debt Service
$798
Property Tax / Mo
$98
Insurance / Mo
$43
Property Description
This cozy 2-bedroom, 1-bath home is the perfect fit for a first-time buyer or anyone looking to downsize. Offering a comfortable and functional layout, the home provides just the right amount of space for easy living.
Utility Allowances
Heating (Natural Gas)
$61
Property details explicitly state heating is 'Natural Gas'.
Other Electric
$32
Covers general electricity usage for lights, outlets, etc., not specified elsewhere.
Sewer
$29
Property details explicitly state the property uses 'Public Sewer'.
Water Heating (Natural Gas)
$27
Inferred based on the property's primary heating fuel being natural gas.
Water
$26
Property details state the water source is 'Public'.
Trash Collection
$25
Standard utility for a single-family home that is typically the tenant's responsibility.
Cooking (Natural Gas)
$10
Property has a natural gas connection and what appears to be a gas stove in photos; this fuel type is selected as the most logical option.
Refrigerator (Tenant-Owned)
$8
A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
Range (Tenant-Owned)
$8
A range/oven is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
Air Conditioning
$0
Property has central A/C, but the utility schedule provides no separate allowance for this property type, suggesting its cost is included in 'Other Electric'.
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$505
DP3 Annual Estimate$528
DP1 Monthly Equivalent$42
DP3 Monthly Equivalent$44
Replacement Value$86,470
Basis1,088 sqft / 1900
Nearby Houses
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326-328 Midland Ave
sold · 0.01 mi
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— bd / — ba · 1,066 sqft
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Latest rent: —
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330 Midland Ave
sold · 0.02 mi
Price: $210,000
4 bd / 2 ba · 1,773 sqft
Latest sale: $210,000 on May 02, 2025
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305 Allen Ave
sold · 0.05 mi
Price: $74,600
3 bd / 1 ba · 1,452 sqft
Latest sale: $74,600 on Dec 10, 2024
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300 Midland Ave
sold · 0.05 mi
Price: $90,900
2 bd / 1 ba · 896 sqft
Latest sale: $90,900 on Oct 04, 2021
Latest rent: $1,150 on Apr 28, 2022
Photo unavailable
303 Midland Ave
sold · 0.05 mi
Price: $110,000
4 bd / 1 ba · 1,016 sqft
Latest sale: $110,000 on Feb 13, 2025
Latest rent: —
Photo unavailable
301 Allen Ave
for_sale · 0.06 mi
Price: $169,900
3 bd / 1 ba · 1,048 sqft
Latest sale: $147,000 on Apr 16, 2024
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Photo unavailable
324 Garfield Ave
sold · 0.06 mi
Price: $122,000
3 bd / 1 ba · 1,389 sqft
Latest sale: $122,000 on Oct 19, 2021
Latest rent: —
Photo unavailable
310 Garfield Ave
sold · 0.06 mi
Price: $85,000
— bd / — ba · 1,764 sqft
Latest sale: $85,000 on Dec 30, 2016
Latest rent: —
Photo unavailable
316 Allen Ave
sold · 0.07 mi
Price: $70,000
2 bd / — ba · 2,028 sqft
Latest sale: $70,000 on Jul 08, 2016
Latest rent: —
Photo unavailable
328 Allen Ave
sold · 0.07 mi
Price: $82,370
2 bd / 2 ba · 1,000 sqft
Latest sale: $82,370 on May 27, 2016
Latest rent: —
Photo unavailable
405 Allen Ave
sold · 0.08 mi
Price: $154,500
3 bd / 2 ba · 1,540 sqft
Latest sale: $154,500 on May 07, 2025
Latest rent: —
Photo unavailable
338 Garfield Ave
sold · 0.08 mi
Price: $179,900
3 bd / 2 ba · 1,347 sqft
Latest sale: $179,900 on Oct 20, 2022
Latest rent: —
Photo unavailable
319 Garfield Ave
sold · 0.09 mi
Price: $166,000
4 bd / 2 ba · 1,544 sqft
Latest sale: $166,000 on Jan 02, 2025
Latest rent: —
Photo unavailable
309 Garfield Ave
sold · 0.10 mi
Price: $82,000
3 bd / 2 ba · 1,568 sqft
Latest sale: $82,000 on Oct 04, 2019
Latest rent: —
Photo unavailable
337 Garfield Ave
sold · 0.10 mi
Price: $109,900
3 bd / 1 ba · 1,390 sqft
Latest sale: $109,900 on Sep 15, 2017
Latest rent: —
Photo unavailable
341 Garfield Ave
sold · 0.11 mi
Price: $68,000
2 bd / 1 ba · 1,048 sqft
Latest sale: $68,000 on Sep 11, 2020
Latest rent: —
Photo unavailable
407 Garfield Ave
sold · 0.12 mi
Price: $71,000
2 bd / 1 ba · 950 sqft
Latest sale: $71,000 on Jul 11, 2017
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 (required) — likely an automatic fail if not present/operational.
- No visible carbon monoxide alarm (if home has fuel-burning appliances or attached garage, CO alarm required).
- Drop-ceiling tiles with discoloration and misalignment in multiple rooms — possible past or ongoing water intrusion that requires determination.
- Cracked/uneven front sidewalk and deteriorated driveway creating trip hazards that must be repaired.
- Loose power strips/visible tangled cords near electronics — localized electrical hazard to be corrected.
Assumptions
- No smoke detectors or CO alarms were visible in any of the photos; I assume none are installed in inspected rooms unless present out-of-frame.
- Thermostat visible in interior photos indicates a heating system exists, but the actual HVAC equipment and its operational condition were not shown and therefore unverified.
- Water heater and hot water availability were not photographed; assume a typical in-house water heater exists but its condition/age is unknown.
- Kitchen appliances (stove and refrigerator) are included and appear operational from photos; minor hookups and venting assumed safe unless inspection finds otherwise.
- Electrical panel cover present and no obvious exposed wiring in photos; assume basic electrical circuitry is intact but GFCI locations in kitchen/bath were not confirmed.
- Windows shown in bedrooms are assumed to meet egress size, but exact measurements were not provided and should be confirmed during inspection.
- Ceiling tiles that are discolored may indicate prior leaks; assume past contained issues but no ongoing active leaks were observed in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,139 | $105,960 | $37,090 |
| 2023 | $1,221 | $97,820 | $34,230 |
| 2022 | $1,213 | $97,820 | $34,230 |
| 2021 | $1,080 | $75,830 | $26,541 |
| 2020 | $1,080 | $75,830 | $26,541 |
| 2018 | $971 | $62,230 | $21,781 |
| 2017 | $972 | $62,230 | $21,781 |
| 2016 | $969 | $62,230 | $21,781 |
| 2015 | $793 | $50,400 | $17,641 |
| 2014 | $793 | $50,400 | $17,641 |
| 2013 | $793 | $50,400 | $17,641 |
| 2012 | $798 | $50,400 | $17,640 |
| 2011 | $797 | $50,400 | $17,640 |
| 2010 | $797 | $50,400 | $17,640 |
| 2009 | $988 | $66,050 | $23,120 |
| 2008 | $896 | $66,050 | $23,120 |
| 2007 | $893 | $66,050 | $23,120 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-08-29 | Sold | $119,000 |
| 2019-08-01 | Sold | $73,500 |
| 1996-09-23 | Sold | $61,000 |
Photo Gallery
Show raw JSON (debug)
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],
"down_payment_rate": 0.2,
"insurance_monthly": 43.04,
"monthly_cash_flow": 670.09,
"property_tax_rate": 0.0103,
"_utility_allowance": {
"sources": [
"https://hancockmetro.com/wp-content/uploads/2025/04/2025-Utility-Allowance-Schedules-effective-8-1-2025.pdf"
],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "Property details explicitly state heating is 'Natural Gas'.",
"utility": "Heating (Natural Gas)",
"allowance": 61
},
{
"note": "Covers general electricity usage for lights, outlets, etc., not specified elsewhere.",
"utility": "Other Electric",
"allowance": 32
},
{
"note": "Property details explicitly state the property uses 'Public Sewer'.",
"utility": "Sewer",
"allowance": 29
},
{
"note": "Inferred based on the property's primary heating fuel being natural gas.",
"utility": "Water Heating (Natural Gas)",
"allowance": 27
},
{
"note": "Property details state the water source is 'Public'.",
"utility": "Water",
"allowance": 26
},
{
"note": "Standard utility for a single-family home that is typically the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Property has a natural gas connection and what appears to be a gas stove in photos; this fuel type is selected as the most logical option.",
"utility": "Cooking (Natural Gas)",
"allowance": 10
},
{
"note": "A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Refrigerator (Tenant-Owned)",
"allowance": 8
},
{
"note": "A range/oven is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Range (Tenant-Owned)",
"allowance": 8
},
{
"note": "Property has central A/C, but the utility schedule provides no separate allowance for this property type, suggesting its cost is included in 'Other Electric'.",
"utility": "Air Conditioning",
"allowance": 0
}
],
"cash_on_cash_return": 0.27,
"down_payment_amount": 29980.0,
"property_tax_annual": 1173.17,
"property_tax_monthly": 97.76,
"property_tax_increase": 0.03,
"utility_allowance_total": 226.0,
"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": -1532.84,
"property_management_monthly": 90.1,
"monthly_cash_flow_after_debt": -127.74,
"cash_on_cash_return_after_debt": -0.05
},
"section8_assessment": {
"runs": [
{
"summary": "This 2BR/1BA home appears generally sound and would likely pass many NSPIRE visual checks after a focused set of minor repairs and safety updates. Primary deficiencies from the photos are: absence of visible smoke/CO alarms (likely immediate fail), drop-ceiling tile issues and some ceiling staining (needs further investigation), cracked sidewalk/driveway trip hazards, and typical cosmetic updates. Major structural or system failures are not evident in the images; however HVAC and water heater condition could not be confirmed from photos and should be verified. With installation of required detectors, addressing electrical cord hazards, replacing/repairing damaged ceiling tiles, repairing sidewalk trip hazards, and confirming HVAC/hot water operation the property should be rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Overall interior and exterior appear maintained with recent-looking roof shingles, painted siding, working exterior doors and a detached garage. Interior shows updated kitchen cabinets and flooring, functioning stove and refrigerator present. Visible deferred items are cosmetic: dated wall paneling, drop-ceiling tiles (some misaligned/discolored), carpet wear and general tenant clutter. Sidewalk and driveway have cracks/settling that will need leveling/repair to remove trip hazards. Missing minor items (outlet/GFCI covers not clearly visible) and ceiling tiles are easy/medium fixes; no major visible structural damage."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos (likely fail on initial inspection unless present off-camera). Entry door appears serviceable but a confirmed deadbolt is not visible. Electrical panel is present and appears covered; however visible power strips/loose cords at the TV area are an electrical trip/hazard risk. Kitchen GFCI outlet presence is not evident from photos. Windows in bedrooms appear to provide egress-sized openings but exact certified egress dimensions cannot be confirmed. Sidewalk/driveway cracking is a trip hazard. No active standing water, collapsed ceilings, or visible major mold were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Roof shingles look recently replaced or in good visual condition. Electrical service appears to have a labeled panel in a bedroom and visible outlets; no exposed junctions observed. Kitchen appliances (stove, fridge) are present and appear functional. HVAC equipment (furnace/air handler) and water heater are not visible in photos; a thermostat is visible inside indicating a heating system likely exists but cannot be confirmed. Ceiling tiles show some staining/discoloration in corners (possible past roof/plumbing leak) — further investigation recommended. Overall no catastrophic system failures visible but several unknowns (heating, hot water, water heater age) reduce the score."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Siding and exterior trim appear maintained and painted. Gutters are present. Detached garage exists and driveway provides off-street parking. Shrubbery is well-trimmed. Sidewalk and driveway show cracking/settlement and some potholes/ponding areas in the driveway that are trip/vehicle issues. No evidence of major foundation movement, structural sagging, or active exterior water intrusion visible from provided exterior images."
}
],
"red_flags": [
"No visible smoke detectors (required) — likely an automatic fail if not present/operational.",
"No visible carbon monoxide alarm (if home has fuel-burning appliances or attached garage, CO alarm required).",
"Drop-ceiling tiles with discoloration and misalignment in multiple rooms — possible past or ongoing water intrusion that requires determination.",
"Cracked/uneven front sidewalk and deteriorated driveway creating trip hazards that must be repaired.",
"Loose power strips/visible tangled cords near electronics — localized electrical hazard to be corrected."
],
"confidence": 0.65,
"assumptions": [
"No smoke detectors or CO alarms were visible in any of the photos; I assume none are installed in inspected rooms unless present out-of-frame.",
"Thermostat visible in interior photos indicates a heating system exists, but the actual HVAC equipment and its operational condition were not shown and therefore unverified.",
"Water heater and hot water availability were not photographed; assume a typical in-house water heater exists but its condition/age is unknown.",
"Kitchen appliances (stove and refrigerator) are included and appear operational from photos; minor hookups and venting assumed safe unless inspection finds otherwise.",
"Electrical panel cover present and no obvious exposed wiring in photos; assume basic electrical circuitry is intact but GFCI locations in kitchen/bath were not confirmed.",
"Windows shown in bedrooms are assumed to meet egress size, but exact measurements were not provided and should be confirmed during inspection.",
"Ceiling tiles that are discolored may indicate prior leaks; assume past contained issues but no ongoing active leaks were observed in photos."
],
"overall_score": 64.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "Overall the property appears livable with mostly cosmetic and small maintenance items. The roof and exterior look sound and the kitchen has working appliances and recent finishes. Key NSPIRE risks are missing/undocumented smoke and CO alarms and potential missing GFCI protection at kitchen/bath outlets; these are common inspection failures and should be rectified before a voucher inspection. Sidewalk trip hazard and driveway drainage/puddles are site issues that should be addressed. Mechanical systems (furnace/water heater) were not photographed and should be verified for operation. With targeted fixes (install detectors, GFCI outlets if absent, repair walkway/drainage, address any mechanical service items) the house would likely pass a Housing Choice Voucher/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior finishes are serviceable but dated: carpet shows wear, walls use paneling, and drop-ceiling tiles are installed throughout several rooms. Kitchen cabinets/counter and LVT flooring look recently updated and range/refrigerator are present. Exterior paint/siding appears maintained and front steps were recently finished. Observable deferred items are mostly cosmetic (ceiling tiles, worn carpet, cracked sidewalk, driveway patching). No catastrophic interior failures visible. Missing bathroom photos limit full assessment but no obvious active water damage or collapsed ceilings visible."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 58.0,
"rationale": "Visible safety compliance items are mixed. An electrical panel is visible and appears to have cover; no obvious exposed high-voltage wiring. Bedroom windows appear to provide egress. Entry doors look secure with storm/solid doors. However there is no clear evidence of functioning smoke detectors or carbon monoxide alarms in photos (none observed), and kitchen GFCI protection at sink/outlets is not visible — missing required devices would be an inspection fail under NSPIRE. Sidewalk and driveway cracks/puddles present trip/standing-water concerns. No active roof leaks or collapsed ceilings observed. Given these unknowns and the likelihood older homes need detector and GFCI updates, safety risk is moderate-high until verified."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Roof shingles appear in good condition from photos (no visible sagging or missing areas). An HVAC return/vent grille is visible on an interior wall, suggesting a forced-air system is present, but no furnace/AC equipment or water heater are photographed to confirm age/operation. Electrical distribution panel is present. Plumbing fixtures and hot water cannot be verified (bath not shown). Kitchen appliances (range, refrigerator) are present and appear functional. Because key systems (heating, water heater, plumbing operation) are not verifiably shown, score is moderate pending mechanical verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior siding, trim and roof appear reasonably maintained; gutters are present. Yard is maintained and hedges trimmed. There is a detached garage and paved driveway. Noted site issues: cracked public sidewalk and concrete approach with a change in elevation (trip hazard), and several pavement cracks/puddles on the driveway indicating poor drainage in areas. No obvious foundation movement or major wall cracking visible from provided photos."
}
],
"red_flags": [
"No visible / unverified smoke detectors and carbon monoxide alarms (inspection fail if missing).",
"No visible evidence of GFCI protection in kitchen (inspection fail risk).",
"Cracked public sidewalk and front approach (trip hazard).",
"Driveway surface with cracks and standing water/puddles (drainage/standing water concern).",
"Suspended ceiling tiles in multiple rooms — could conceal water staining or mechanical issues that require inspection."
],
"confidence": 0.65,
"assumptions": [
"No dedicated photos of the bathroom, water heater, furnace/boiler, or attic; assume heating exists (return grille visible) but mechanical ages/conditions are unknown.",
"Smoke detectors and carbon monoxide alarms are not visible in the photos; assume they may be missing or unverified and must be confirmed/installed.",
"GFCI protection at kitchen and bathroom outlets was not visible; assume GFCI outlets may be absent and should be installed if required by local code/NSPIRE.",
"No active interior water stains, mold, or collapsed ceilings are visible; assume no major hidden water intrusion but drop-ceiling tiles could be hiding localized issues.",
"Year built 1900 indicates possible lead-based paint risk for pre-1978 construction; assume lead hazard must be evaluated for required disclosures and any peeling paint.",
"Photos show a refrigerator and stove, so missing-appliance penalty is not applied."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "This 2-bed/1-bath single-family home appears generally well-maintained and likely passable for a Section 8/HCV initial inspection after addressing a small set of items. Major strengths: intact roof, working kitchen appliances present, intact electrical panel, and generally serviceable siding and trim. Primary risks that should be addressed before inspection: install/verify working smoke detectors and CO alarms, verify/upgrade GFCI protection in kitchen/bath, correct the sidewalk trip hazard, repair driveway drainage/potholes, and investigate/repair any ceiling water stains to ensure no active leaks. With those items remedied (most are straightforward), the property should be rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior and exterior are generally maintained: kitchen and cabinets look updated, flooring appears in good condition, appliances (stove, refrigerator) are present. Cosmetic issues noted: drop-ceiling tiles with some discoloration and uneven alignment in the kitchen/living areas, scuffed wall panels, minor trim damage above living room opening, and general clutter. Exterior has small front stoop with two steps (no significant rot visible) and trimmed hedges. Missing or damaged items are mostly cosmetic or minor-repair level (ceiling tile replacement, paint/trim touch-up, replace a few cabinet/trim fasteners). Sidewalk cracking is a repair but typically considered moderate rather than structural. Overall condition indicates minor-to-moderate repairs only; no major deferred-maintenance visible in photos."
},
{
"key": "safety_code",
"label": "NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Photos do not show smoke detectors or CO alarms (none visible in living areas or bedrooms), which is a common NSPIRE failure point and must be verified/installed. There is a visible electrical panel in a bedroom that appears intact and covered. No exposed high-voltage wiring seen, but there are loose appliance/TV cords along walls. Kitchen outlets and GFCI protection are not visible; absence of visible GFCI near sink is a risk. Exterior walkway shows significant cracking/raised edge (trip hazard). Driveway has standing water and potholes (drainage/trip hazard). Kitchen ceiling tiles show discoloration consistent with past water intrusion (possible roof/plumbing leak history) — needs verification. Bedroom windows appear operable and likely provide egress, but opening dimensions are unconfirmed. Entry door appears to have a lock; deadbolt not clearly visible. Because of missing/uncertain smoke/CO detectors, potential lack of GFCI, sidewalk trip hazard and possible past water intrusion, safety score is reduced."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "Roof shingles and gutters visible from exterior appear in good condition with no obvious active failure. Thermostat is visible (indicating a forced-air heating system present) but the heating/AC equipment, water heater, and plumbing/water heater condition are not shown. Electrical panel present and appears intact; no open neutrals or visible burnt areas. Kitchen stove and refrigerator are present and appear functional. Ceiling tile discoloration suggests prior water intrusion that should be investigated for plumbing or roof issues. Drainage issues noted at driveway with standing water could affect long-term site drainage. With limited direct evidence of HVAC/WH condition, assume operational but unverified; therefore moderate score reflecting some unknowns that would be confirmed on inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.0,
"rationale": "Siding and paint appear serviceable, and the roof appears recently shingled and in good visual condition. Front steps/stoop are small and look stable; porch supports look intact. Driveway has cracks, potholes and areas of standing water indicating drainage/repair needs. Front sidewalk is cracked with raised sections (trip hazard). Landscaping is maintained. Detached garage and off-street parking visible. No obvious foundation major cracks visible in photos, but full foundation inspection not possible from images. Overall exterior is functional but requires moderate site repairs (sidewalk/driveway/drainage) to reduce safety/liability issues."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — NSPIRE fail if not present/working.",
"Kitchen ceiling tiles show discoloration/staining — indicates past or potential water intrusion that must be investigated and repaired.",
"Significant cracking and raised sections in the front sidewalk — trip hazard and likely inspection concern.",
"Driveway with potholes and areas of standing water — drainage and trip/fall hazard.",
"GFCI protection in kitchen/bath not visible — potential electrical code/NSPIRE issue if missing or non-functional."
],
"confidence": 0.6,
"assumptions": [
"No working smoke detectors or carbon monoxide alarms were visible in provided photos; assume they are not installed or their presence is unverified and will need verification/installation.",
"Forced air heating/central HVAC is present (thermostat visible) and functional, though equipment (furnace/AC) was not photographed; assumed operational until proven otherwise.",
"Water heater and major plumbing are present and providing hot water, but not shown — assumed serviceable unless inspection shows otherwise.",
"Bedroom windows are operable and meet egress requirements based on typical double-hung window sizes visible in photos, but exact opening dimensions are unverified.",
"Kitchen appliances (stove, refrigerator) shown in photos are included with sale and are functional; no visible gas piping issues (stove appears electric).",
"No visible signs of active structural settlement, sagging floors, or foundation displacement in exterior/interior photos; assume structural integrity is acceptable for initial inspection."
],
"overall_score": 68.0,
"rubric_version": "nsPIRE-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "322 Midland Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "This 2BR/1BA home appears generally sound and would likely pass many NSPIRE visual checks after a focused set of minor repairs and safety updates. Primary deficiencies from the photos are: absence of visible smoke/CO alarms (likely immediate fail), drop-ceiling tile issues and some ceiling staining (needs further investigation), cracked sidewalk/driveway trip hazards, and typical cosmetic updates. Major structural or system failures are not evident in the images; however HVAC and water heater condition could not be confirmed from photos and should be verified. With installation of required detectors, addressing electrical cord hazards, replacing/repairing damaged ceiling tiles, repairing sidewalk trip hazards, and confirming HVAC/hot water operation the property should be rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 72.3,
"rationale": "Overall interior and exterior appear maintained with recent-looking roof shingles, painted siding, working exterior doors and a detached garage. Interior shows updated kitchen cabinets and flooring, functioning stove and refrigerator present. Visible deferred items are cosmetic: dated wall paneling, drop-ceiling tiles (some misaligned/discolored), carpet wear and general tenant clutter. Sidewalk and driveway have cracks/settling that will need leveling/repair to remove trip hazards. Missing minor items (outlet/GFCI covers not clearly visible) and ceiling tiles are easy/medium fixes; no major visible structural damage."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Siding and exterior trim appear maintained and painted. Gutters are present. Detached garage exists and driveway provides off-street parking. Shrubbery is well-trimmed. Sidewalk and driveway show cracking/settlement and some potholes/ponding areas in the driveway that are trip/vehicle issues. No evidence of major foundation movement, structural sagging, or active exterior water intrusion visible from provided exterior images."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 57.7,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos (likely fail on initial inspection unless present off-camera). Entry door appears serviceable but a confirmed deadbolt is not visible. Electrical panel is present and appears covered; however visible power strips/loose cords at the TV area are an electrical trip/hazard risk. Kitchen GFCI outlet presence is not evident from photos. Windows in bedrooms appear to provide egress-sized openings but exact certified egress dimensions cannot be confirmed. Sidewalk/driveway cracking is a trip hazard. No active standing water, collapsed ceilings, or visible major mold were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 61.7,
"rationale": "Roof shingles look recently replaced or in good visual condition. Electrical service appears to have a labeled panel in a bedroom and visible outlets; no exposed junctions observed. Kitchen appliances (stove, fridge) are present and appear functional. HVAC equipment (furnace/air handler) and water heater are not visible in photos; a thermostat is visible inside indicating a heating system likely exists but cannot be confirmed. Ceiling tiles show some staining/discoloration in corners (possible past roof/plumbing leak) — further investigation recommended. Overall no catastrophic system failures visible but several unknowns (heating, hot water, water heater age) reduce the score."
}
],
"red_flags": [
"No visible smoke detectors (required) — likely an automatic fail if not present/operational.",
"No visible carbon monoxide alarm (if home has fuel-burning appliances or attached garage, CO alarm required).",
"Drop-ceiling tiles with discoloration and misalignment in multiple rooms — possible past or ongoing water intrusion that requires determination.",
"Cracked/uneven front sidewalk and deteriorated driveway creating trip hazards that must be repaired.",
"Loose power strips/visible tangled cords near electronics — localized electrical hazard to be corrected."
],
"confidence": 0.92,
"assumptions": [
"No smoke detectors or CO alarms were visible in any of the photos; I assume none are installed in inspected rooms unless present out-of-frame.",
"Thermostat visible in interior photos indicates a heating system exists, but the actual HVAC equipment and its operational condition were not shown and therefore unverified.",
"Water heater and hot water availability were not photographed; assume a typical in-house water heater exists but its condition/age is unknown.",
"Kitchen appliances (stove and refrigerator) are included and appear operational from photos; minor hookups and venting assumed safe unless inspection finds otherwise.",
"Electrical panel cover present and no obvious exposed wiring in photos; assume basic electrical circuitry is intact but GFCI locations in kitchen/bath were not confirmed.",
"Windows shown in bedrooms are assumed to meet egress size, but exact measurements were not provided and should be confirmed during inspection.",
"Ceiling tiles that are discolored may indicate prior leaks; assume past contained issues but no ongoing active leaks were observed in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 65.6,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3846059397"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.