Property ID: 3883362606
1062 Vincent St, Findlay, OH, 45840
Findlay, OH
Money Down: $39,576
CoC Return: -5.05%
Monthly Cash Flow: $-166
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
-5.05%
Rent
$909
Monthly Cash Flow
$-166
Annual Cash Flow
$-1,997
Debt Service / Mo
$878
Property Tax / Mo
$62
Insurance / Mo
$45
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$909
Payment Standard
$1,127
Rent
$909
Insurance
$45
Property Tax
$62
Management
$91
Utilities Allowance
$218
NOI (Monthly)
$711
Debt Service
$878
Cash Flow After Debt
$-166
Quality Score: 72.90%
Confidence: 93.00%
Overall the property appears cosmetically renovated and largely rent-ready with new flooring, fresh paint, a usable driveway/garage and an enclosed yard. The primary NSPIRE risks are missing visual confirmation of smoke/CO detectors, egress windows, and major mechanicals (HVAC, water heater, electrical panel). Exterior is generally sound but porch posts show cosmetic wear and there are localized roof snow-free patches that warrant a closer look. Expect a likely pass after a brief pre-inspection to confirm detectors, GFCI protection, and mechanical operation; allow 1–4 weeks for any minor corrections.
Section 8 Payment Standard
$1,127
Utility Allowance Total
$218
Guaranteed Section 8 Rent (PS - Utilities)
$909
Property Management
$91
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$164,900
Beds
2
Baths
1
Living Area
800 sqft
Lot Size
6,477 sqft
Year Built
1954
Days on Market
195
Capital Outlay
$39,576
Debt Service
$878
Property Tax / Mo
$62
Insurance / Mo
$45
Property Description
Don't miss your chance to fall in love with this Charming & Move-In Ready 2 Bedroom Home- Freshly Updated! From the moment you step inside, you'll notice the brand-new vinyl plank flooring, paired with fresh modern paint that creates a bright & welcoming atmosphere. Attached 1 car garage & large back yard with fence. Bonus room is not included in square footage.
Utility Allowances
Heating
$61
Property details specify 'Heating: Forced Air, Natural Gas'. The 'natural_gas' option was selected from the schedule for a 2-bedroom unit.
Cooking
$10
Property details list 'Gas Oven' and 'Gas Range Connection'. The 'natural_gas' option was selected from the schedule for a 2-bedroom unit.
Water Heating
$27
Inferred to be natural gas based on gas service for heating and cooking. The 'natural_gas' option was selected for a 2-bedroom unit.
Other Electric
$32
Standard allowance for general electricity (lights, outlets) for a 2-bedroom unit.
Water
$26
Property details state 'Water Source: Public'. This is the standard allowance for a 2-bedroom unit.
Sewer
$29
Inferred based on the property having a public water source. This is the standard allowance for a 2-bedroom unit.
Trash Collection
$25
Standard utility for a single-family detached home.
Refrigerator
$8
A refrigerator is not explicitly listed as a provided appliance in the property details, so this allowance for a tenant-owned refrigerator is included.
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$531
DP3 Annual Estimate$555
DP1 Monthly Equivalent$44
DP3 Monthly Equivalent$46
Replacement Value$64,280
Basis800 sqft / 1954
Nearby Houses
Photo unavailable
1070 Vincent St
sold · 0.02 mi
Price: $127,000
3 bd / 1 ba · 875 sqft
Latest sale: $127,000 on Apr 02, 2025
Latest rent: —
Photo unavailable
1074 Vincent St
sold · 0.03 mi
Price: $89,000
3 bd / 1 ba · 1,353 sqft
Latest sale: $89,000 on Nov 22, 2019
Latest rent: $875 on Jun 13, 2018
Photo unavailable
1001 Harmon St
sold · 0.03 mi
Price: $194,000
5 bd / 2 ba · 1,836 sqft
Latest sale: $194,000 on Sep 28, 2022
Latest rent: $1,550 on Sep 04, 2019
Photo unavailable
1019 Harmon St
sold · 0.04 mi
Price: $150,000
3 bd / 1 ba · 1,132 sqft
Latest sale: $150,000 on Sep 25, 2025
Latest rent: —
Photo unavailable
1053 Vincent St
sold · 0.04 mi
Price: $79,000
3 bd / 1 ba · 850 sqft
Latest sale: $79,000 on Dec 07, 2018
Latest rent: $1,460 on Aug 23, 2024
Photo unavailable
1025 Harmon St
sold · 0.05 mi
Price: $186,000
4 bd / 2 ba · 1,500 sqft
Latest sale: $186,000 on May 29, 2025
Latest rent: —
Photo unavailable
1043 Vincent St
sold · 0.05 mi
Price: $95,000
3 bd / 1 ba · 850 sqft
Latest sale: $95,000 on Jun 29, 2023
Latest rent: —
Photo unavailable
1039 Vincent St
sold · 0.06 mi
Price: $124,900
3 bd / 1 ba · 900 sqft
Latest sale: $124,900 on Dec 09, 2022
Latest rent: —
Photo unavailable
1004 Harmon St
sold · 0.07 mi
Price: $145,000
3 bd / 2 ba · 1,136 sqft
Latest sale: $145,000 on Oct 30, 2020
Latest rent: —
Photo unavailable
905 Harmon St
sold · 0.08 mi
Price: $169,900
3 bd / 1 ba · 962 sqft
Latest sale: $169,900 on Jun 10, 2025
Latest rent: —
Photo unavailable
912 Harmon St
sold · 0.08 mi
Price: $114,900
3 bd / 1 ba · 999 sqft
Latest sale: $114,900 on Aug 24, 2021
Latest rent: —
Photo unavailable
1045 Brenda Ct
sold · 0.09 mi
Price: $62,000
3 bd / 1 ba · 875 sqft
Latest sale: $62,000 on Sep 10, 2018
Latest rent: —
Photo unavailable
1518 Parkside Pl
sold · 0.09 mi
Price: $105,000
2 bd / 2 ba · 1,865 sqft
Latest sale: $105,000 on Jul 15, 2024
Latest rent: —
Photo unavailable
1112 Parkside Pl
sold · 0.09 mi
Price: $138,500
4 bd / 3 ba · 1,905 sqft
Latest sale: $138,500 on Sep 30, 2020
Latest rent: —
Photo unavailable
1001 Markle St
sold · 0.10 mi
Price: $144,000
3 bd / 1 ba · 1,478 sqft
Latest sale: $144,000 on Feb 18, 2022
Latest rent: —
Photo unavailable
1015 Markle St
sold · 0.10 mi
Price: $128,000
3 bd / 1 ba · 900 sqft
Latest sale: $128,000 on Aug 12, 2022
Latest rent: $840 on May 13, 2017
Photo unavailable
1523 Parkside Pl
sold · 0.11 mi
Price: $123,250
3 bd / 1 ba · 1,136 sqft
Latest sale: $123,250 on Jun 25, 2024
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No smoke/CO detectors visible in interior photos — NSPIRE requires functioning detectors (verification required).
- Mechanical systems (heating, water heater, electrical panel) not documented in photos — unknown operational status is an inspection risk.
- Porch posts show peeling/wood deterioration and icicle buildup at roof edge — indicates possible minor water/runoff issues and need for localized repairs.
- Dark/snow-free patches on roof observed in photos — recommend roof inspection for wear/failed shingles or ice-dam risk.
Assumptions
- Listing statement 'freshly updated' and interior photos are representative of overall interior condition.
- Kitchen and bathroom fixtures/appliances exist but are not shown; absence of photographs does not imply missing essential appliances. If appliances are missing they would be considered moderate, easily-fixed items.
- No visible smoke or CO detectors in photos: assume none confirmed rather than definitively absent; these will likely need verification/installation.
- Heating/HVAC and water heater exist but were not photographed; assume operational but unverified due to lack of evidence.
- Roof condition judged from limited photos (snow coverage and daytime shots); no signs of major sagging or structural failure observed, but dark exposed patches could indicate repaired or worn shingles and should be inspected.
- Porch has one or two low steps (no handrail visible) — likely not a code-failing condition but may require a handrail if riser count/height triggers local requirements.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $718 | $95,760 | $33,520 |
| 2023 | $639 | $77,230 | $27,030 |
| 2022 | $648 | $77,230 | $27,030 |
| 2021 | $518 | $61,360 | $21,476 |
| 2020 | $518 | $61,360 | $21,476 |
| 2018 | $431 | $53,360 | $18,677 |
| 2017 | $431 | $53,360 | $18,677 |
| 2016 | $439 | $53,360 | $18,677 |
| 2015 | $269 | $42,610 | $14,914 |
| 2014 | $269 | $42,610 | $14,914 |
| 2013 | $269 | $42,610 | $14,914 |
| 2012 | $270 | $42,610 | $14,910 |
| 2011 | $270 | $42,610 | $14,910 |
| 2010 | $655 | $42,610 | $14,910 |
| 2009 | $687 | $47,220 | $16,520 |
| 2008 | $622 | $47,220 | $16,520 |
| 2007 | $620 | $47,220 | $16,520 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-08 | Price Changed | $164,900 |
| 2025-09-26 | Listed | $180,000 |
Photo Gallery
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},
{
"note": "Property details list 'Gas Oven' and 'Gas Range Connection'. The 'natural_gas' option was selected from the schedule for a 2-bedroom unit.",
"utility": "Cooking",
"allowance": 10
},
{
"note": "Inferred to be natural gas based on gas service for heating and cooking. The 'natural_gas' option was selected for a 2-bedroom unit.",
"utility": "Water Heating",
"allowance": 27
},
{
"note": "Standard allowance for general electricity (lights, outlets) for a 2-bedroom unit.",
"utility": "Other Electric",
"allowance": 32
},
{
"note": "Property details state 'Water Source: Public'. This is the standard allowance for a 2-bedroom unit.",
"utility": "Water",
"allowance": 26
},
{
"note": "Inferred based on the property having a public water source. This is the standard allowance for a 2-bedroom unit.",
"utility": "Sewer",
"allowance": 29
},
{
"note": "Standard utility for a single-family detached home.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "A refrigerator is not explicitly listed as a provided appliance in the property details, so this allowance for a tenant-owned refrigerator is included.",
"utility": "Refrigerator",
"allowance": 8
}
],
"cash_on_cash_return": 0.26,
"down_payment_amount": 32980.0,
"property_tax_annual": 739.54,
"property_tax_monthly": 61.63,
"property_tax_increase": 0.03,
"utility_allowance_total": 218.0,
"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": -1997.34,
"property_management_monthly": 90.9,
"monthly_cash_flow_after_debt": -166.45,
"cash_on_cash_return_after_debt": -0.06
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears cosmetically renovated and largely rent-ready with new flooring, fresh paint, a usable driveway/garage and an enclosed yard. The primary NSPIRE risks are missing visual confirmation of smoke/CO detectors, egress windows, and major mechanicals (HVAC, water heater, electrical panel). Exterior is generally sound but porch posts show cosmetic wear and there are localized roof snow-free patches that warrant a closer look. Expect a likely pass after a brief pre-inspection to confirm detectors, GFCI protection, and mechanical operation; allow 1–4 weeks for any minor corrections.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior photos show fresh paint and brand-new vinyl plank flooring throughout living areas; built-in shelving intact. Exterior siding and garage appear maintained. Minor cosmetic items visible: porch posts with peeling paint/wood wear and icicle buildup on porch edge. No evidence of collapsed ceilings, exposed subfloor, or major interior damage. Missing/incomplete pictures of kitchen appliances and bathroom fixtures prevent full verification, but listing claims 'freshly updated' and photos support a cosmetically renovated unit. Missing appliances would moderately reduce readiness but are not evident in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No active life-threatening hazards visible (no collapsed ceilings, standing water, visible large foundation cracks). However key NSPIRE safety items are not shown: no smoke or carbon-monoxide detectors are visible in interior photos, bedroom egress windows cannot be confirmed from provided images, and no photos of GFCI-protected outlets or the electrical panel. Porch step has no handrail but appears to be a single low step (handrail requirement depends on riser count). Exterior electrical meter and conduit appear intact. Overall moderate compliance risk due to missing evidence of detectors and egress."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Roof visually intact in daytime images but several darker snow-free patches are visible in photos; no obvious sagging or collapsed roof. No heating/AC equipment or water heater visible in photos; mechanicals not documented. Electrical meter and service appear present and connected at exterior. Driveway drainage appears functional. Given the house age (1954) and lack of mechanical photos, there is moderate uncertainty and risk that HVAC, water heater or plumbing may need servicing or replacement."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Yard is fenced, driveway and detached/attached garage present and serviceable, walk path to door cleared in winter photos. Siding appears in good repair, gutters in place, and garage has functioning exterior light. Minor concerns: porch posts show peeling paint/wood wear and icicles indicate winter roof runoff/ice-damming potential. No visible major foundation exposure or exterior structural distress in photos."
}
],
"red_flags": [
"No smoke/CO detectors visible in interior photos — NSPIRE requires functioning detectors (verification required).",
"Mechanical systems (heating, water heater, electrical panel) not documented in photos — unknown operational status is an inspection risk.",
"Porch posts show peeling/wood deterioration and icicle buildup at roof edge — indicates possible minor water/runoff issues and need for localized repairs.",
"Dark/snow-free patches on roof observed in photos — recommend roof inspection for wear/failed shingles or ice-dam risk."
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'freshly updated' and interior photos are representative of overall interior condition.",
"Kitchen and bathroom fixtures/appliances exist but are not shown; absence of photographs does not imply missing essential appliances. If appliances are missing they would be considered moderate, easily-fixed items.",
"No visible smoke or CO detectors in photos: assume none confirmed rather than definitively absent; these will likely need verification/installation.",
"Heating/HVAC and water heater exist but were not photographed; assume operational but unverified due to lack of evidence.",
"Roof condition judged from limited photos (snow coverage and daytime shots); no signs of major sagging or structural failure observed, but dark exposed patches could indicate repaired or worn shingles and should be inspected.",
"Porch has one or two low steps (no handrail visible) — likely not a code-failing condition but may require a handrail if riser count/height triggers local requirements."
],
"overall_score": 71.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Overall this 2-bed single-family home appears largely move-in ready with fresh interior finishes and a maintained exterior. The property shows minor cosmetic repairs and a few addressable safety items (notably missing visible smoke/CO detectors on the photos, GFCI verification, and an icicle hazard). Major systems and the roof appear reasonable from photos, but key system documentation (furnace, water heater, electrical panel, appliances) and safety devices must be confirmed prior to inspection. Likely to pass an initial HCV/NSPIRE inspection with minor fixes (install/verify detectors, GFCI, remove icicle, touch up porch posts).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show brand-new vinyl plank flooring and fresh paint with no visible water stains or large cosmetic defects. Exterior siding, windows and attached garage appear maintained. Minor cosmetic items visible: peeling/paint wear on porch posts, small porch concrete step, and an icicle hanging from the porch (seasonal). Listing mentions updated finishes. No obvious major deferred maintenance or interior structural damage visible. Missing/uncertain appliances: kitchen not fully shown but a refrigerator/stove are not clearly visible in the provided photos — assumed present; missing appliances would be a moderate (not catastrophic) impact."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in interior photos (NSPIRE requires properly located smoke detectors and CO where applicable). Egress windows appear present in bedrooms (windows visible in bedroom and living areas), exterior doors appear secure but deadbolt presence is not shown. No exposed wiring or obvious electrical hazards are visible at exterior conduit/meter or interior walls. Icicle on porch is an immediate fall hazard and should be removed. No visible severe mold, active roof leaks, collapsed ceilings or major trip hazards. GFCI protection for kitchen/bath outlets is not visible in photos and must be confirmed. Given photos, safety risks are moderate and largely documentation/installation items that can be corrected quickly."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "A thermostat is visible in the living room indicating a heating system is present; a chimney/vent is visible on the roof suggesting a furnace/vented appliance. Roof in daylight photo appears to have newer shingles and intact gutters. No water-staining seen on interior ceilings to suggest active leaks. No HVAC condensing unit or water heater photos provided; mechanicals were not shown so operational status is assumed but unverified. Electrical panel, water heater and furnace locations and operational condition must be confirmed; absent photo evidence, assign moderate score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front yard, driveway and detached/attached garage look serviceable; walkway is present and driveway is paved. Yard is fenced (listing states large back yard with fence). Siding and windows appear in good condition; daytime photo shows clean siding and intact roofline. Minor exterior wear on porch posts and trim exists but no visible foundation cracks or major exterior deterioration. Snow cover limits full inspection of grading/drainage but gutters/downspouts visible and appear intact."
}
],
"red_flags": [
"Large icicle hanging from front porch beam — falling hazard and potential injury/liability.",
"No visible smoke detectors or carbon monoxide detectors in interior photos — potential NSPIRE fail if absent or improperly located.",
"No visible evidence of GFCI protection in kitchen/bath photos provided — must be verified.",
"Property built 1954 → potential lead-based paint risk unless tested/abatement documented.",
"Mechanical systems (furnace, water heater, electrical panel) not shown — operational condition unverified and must be confirmed before inspection."
],
"confidence": 0.6,
"assumptions": [
"Interior photos are representative of the whole unit and recent (listing states 'freshly updated').",
"Basic appliances (stove, refrigerator) are present or will be provided; absence would be a moderate reduction but not an automatic fail.",
"Heating system is present and functional (thermostat visible); no full HVAC imagery provided.",
"No active roof leaks or interior water damage exist (no staining visible in interior photos).",
"Bedrooms have egress-capable windows as suggested by floorplan and photos.",
"Electrical panel, water heater and furnace are present and located inside garage/utility spaces though not photographed.",
"No evidence of severe lead-paint hazards visible; property built 1954 so lead-risk is a consideration but no peeling paint was observed in photos."
],
"overall_score": 74.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 2-bed single-family looks largely move-in ready with fresh interior finishes and a sound exterior envelope; likely to pass an initial Housing Choice Voucher/NSPIRE inspection after a short checklist of life-safety items and system verifications. Primary near-term actions before inspection: confirm and install working smoke detectors and CO alarms, verify kitchen and bathroom GFCI outlets, confirm functioning heating/hot water and electrical panel condition, install/verify a deadbolt on the entry door, and confirm bedroom window egress sizes meet local/NSPIRE requirements. Exterior porch posts need minor maintenance and seasonal ice/icicles must be removed to prevent slip/fall or falling-icicle hazards.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show brand-new vinyl plank flooring and fresh paint; living spaces and built-ins appear finished and clean. No visible major cosmetic defects indoors. Exterior trim and the front porch posts show weathering and paint wear and will need minor repair/painting. Small icicle on porch indicates seasonal ice accumulation that should be mitigated. Listing text notes updates; missing or unshown appliances (kitchen & laundry) reduce score moderately because appliances are not fully visible in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No visible smoke detectors or CO alarm shown in photos (required). Front door does not clearly show a deadbolt. Ceilings and walls appear intact with no visible active leaks, exposed wiring, or collapsed elements. Bedroom windows and egress dimensions cannot be verified from photos — some bedroom windows appear small which is a potential egress risk and must be confirmed. GFCI presence in kitchen/bath not visible. Because visible life-safety items (detectors, deadbolt, egress) are unverified or absent in photos, there's a moderate NSPIRE inspection risk that will likely be resolved quickly but must be confirmed/fixed before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Daylight exterior photo shows asphalt shingles in generally serviceable condition (no visible sagging or large missing sections). Thermostat visible in living room implies an installed heating system; however heating equipment, water heater, furnace, and electrical panel are not shown so operation is unverified. Exterior electric hookup and garage light operate (lighting shown). Plumbing fixtures, hot water availability, and HVAC operation are not visible — likely functional based on listing 'move-in ready' but need verification and service records to ensure inspection pass."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Siding, foundation line and detached/attached garage appear intact; driveway and walkways are serviceable though show typical wear. There is a fenced backyard and single-car garage, which are favorable for rental use. No visible standing water, major foundation cracks, or collapsed structures. Seasonal snow/ice observed; ensure safe walkways and remove icicles prior to inspection. Porch posts show cosmetic wear and will benefit from paint/maintenance."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in photos (required).",
"Potential lead-based paint risk (house built 1954) — lead disclosure/testing and mitigation required if disturbed.",
"No clearly visible deadbolt on primary entry door (security requirement in many inspections).",
"Bedroom egress not verifiable from photos — windows may be undersized for egress.",
"Icicle / seasonal ice hazard on front porch (slip/fall and falling-ice risk)."
],
"confidence": 0.6,
"assumptions": [
"Listing description ('freshly updated') is accurate and interior photos represent current condition.",
"Thermostat visible in living room indicates a functional heating system, though the actual unit (furnace/boiler) was not photographed.",
"No visible active roof leaks or interior water stains implies roof is serviceable; daylight photo of shingles used to infer general roof condition.",
"Appliances (stove, refrigerator, water heater) may be present but are not clearly shown; assume at least basic appliances are accessible or can be provided.",
"No visible peeling paint or mold observed in photos; assume none present in concealed areas unless inspection reveals otherwise.",
"Bedroom egress and exact GFCI/smoke/CO installation locations were not photographed and therefore assumed unverified."
],
"overall_score": 74.0,
"rubric_version": "2026-02-24-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1062 Vincent St, Findlay, OH, 45840",
"aggregate": {
"summary": "Overall the property appears cosmetically renovated and largely rent-ready with new flooring, fresh paint, a usable driveway/garage and an enclosed yard. The primary NSPIRE risks are missing visual confirmation of smoke/CO detectors, egress windows, and major mechanicals (HVAC, water heater, electrical panel). Exterior is generally sound but porch posts show cosmetic wear and there are localized roof snow-free patches that warrant a closer look. Expect a likely pass after a brief pre-inspection to confirm detectors, GFCI protection, and mechanical operation; allow 1–4 weeks for any minor corrections.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior photos show fresh paint and brand-new vinyl plank flooring throughout living areas; built-in shelving intact. Exterior siding and garage appear maintained. Minor cosmetic items visible: porch posts with peeling paint/wood wear and icicle buildup on porch edge. No evidence of collapsed ceilings, exposed subfloor, or major interior damage. Missing/incomplete pictures of kitchen appliances and bathroom fixtures prevent full verification, but listing claims 'freshly updated' and photos support a cosmetically renovated unit. Missing appliances would moderately reduce readiness but are not evident in photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Yard is fenced, driveway and detached/attached garage present and serviceable, walk path to door cleared in winter photos. Siding appears in good repair, gutters in place, and garage has functioning exterior light. Minor concerns: porch posts show peeling paint/wood wear and icicles indicate winter roof runoff/ice-damming potential. No visible major foundation exposure or exterior structural distress in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No active life-threatening hazards visible (no collapsed ceilings, standing water, visible large foundation cracks). However key NSPIRE safety items are not shown: no smoke or carbon-monoxide detectors are visible in interior photos, bedroom egress windows cannot be confirmed from provided images, and no photos of GFCI-protected outlets or the electrical panel. Porch step has no handrail but appears to be a single low step (handrail requirement depends on riser count). Exterior electrical meter and conduit appear intact. Overall moderate compliance risk due to missing evidence of detectors and egress."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 66.7,
"rationale": "Roof visually intact in daytime images but several darker snow-free patches are visible in photos; no obvious sagging or collapsed roof. No heating/AC equipment or water heater visible in photos; mechanicals not documented. Electrical meter and service appear present and connected at exterior. Driveway drainage appears functional. Given the house age (1954) and lack of mechanical photos, there is moderate uncertainty and risk that HVAC, water heater or plumbing may need servicing or replacement."
}
],
"red_flags": [
"No smoke/CO detectors visible in interior photos — NSPIRE requires functioning detectors (verification required).",
"Mechanical systems (heating, water heater, electrical panel) not documented in photos — unknown operational status is an inspection risk.",
"Porch posts show peeling/wood deterioration and icicle buildup at roof edge — indicates possible minor water/runoff issues and need for localized repairs.",
"Dark/snow-free patches on roof observed in photos — recommend roof inspection for wear/failed shingles or ice-dam risk."
],
"confidence": 0.93,
"assumptions": [
"Listing statement 'freshly updated' and interior photos are representative of overall interior condition.",
"Kitchen and bathroom fixtures/appliances exist but are not shown; absence of photographs does not imply missing essential appliances. If appliances are missing they would be considered moderate, easily-fixed items.",
"No visible smoke or CO detectors in photos: assume none confirmed rather than definitively absent; these will likely need verification/installation.",
"Heating/HVAC and water heater exist but were not photographed; assume operational but unverified due to lack of evidence.",
"Roof condition judged from limited photos (snow coverage and daytime shots); no signs of major sagging or structural failure observed, but dark exposed patches could indicate repaired or worn shingles and should be inspected.",
"Porch has one or two low steps (no handrail visible) — likely not a code-failing condition but may require a handrail if riser count/height triggers local requirements."
],
"score_method": "mean_of_criteria",
"overall_score": 72.9,
"rubric_version": "nsPIRE-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3883362606"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.