Property ID: 3919438790
520 Suffolk St, Pittsburgh, PA, 15214
Pittsburgh, PA
Money Down: $25,200
CoC Return: 56.94%
Monthly Cash Flow: $1,196
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,000
Closing Costs
$4,200
Total Down
$25,200
Investment Snapshot
Purchase Price
$105,000
Money Down
$25,200
Cash-on-Cash Return
56.94%
Rent
$1,976
Monthly Cash Flow
$1,196
Annual Cash Flow
$14,350
Debt Service / Mo
$559
Property Tax / Mo
$1
Insurance / Mo
$23
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,976
Payment Standard
$2,309
Rent
$1,976
Insurance
$23
Property Tax
$1
Management
$198
Utilities Allowance
$333
NOI (Monthly)
$1,755
Debt Service
$559
Cash Flow After Debt
$1,196
Quality Score: 70.80%
Confidence: 82.00%
Overall the property is in generally good condition with recent major work (roof 2024, plumbing/drainage 2026) and a remodeled kitchen. It is likely to pass a Section 8 / NSPIRE initial inspection after addressing several moderate safety items: repair/replace the deteriorated front steps and add continuous handrails, verify and install required smoke and CO detectors, confirm and remediate any exposed wiring near the range/hood and install GFCI protection in the kitchen/bath if missing. Major structural or system failures are not evident from photos; most deficiencies are moderate and should be correctable within 1–4 weeks, making the property reasonably rent-ready with targeted repairs.
Section 8 Payment Standard
$2,309
Utility Allowance Total
$333
Guaranteed Section 8 Rent (PS - Utilities)
$1,976
Property Management
$198
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$105,000
Beds
2
Baths
1
Living Area
1,152 sqft
Lot Size
2,500 sqft
Year Built
1930
Days on Market
82
Capital Outlay
$25,200
Debt Service
$559
Property Tax / Mo
$1
Insurance / Mo
$23
Property Description
Charming 2-bedroom, 1-bath home in Fineview with modern updates and excellent city access. Features include a welcoming front porch, original hardwood floors, and a beautifully remodeled kitchen with new cabinetry, sleek countertops, subway tile backsplash, exposed brick accent wall, and stainless steel vent hood. The second floor offers a spacious bedroom, additional large room, and a full bath with rich woodwork detail. The the third floor provides a large bedroom-perfect for a private retreat or home office. Conveniently located near Downtown Pittsburgh and the North Shore. New roof (2024) and plumbing/drainage updates (2026). Formerly owner-occupied and well maintained-move-in ready and ideal for an owner-occupant or investment opportunity. Search the address on YouTube for a full video walkthrough.
Utility Allowances
Heating
$74
Property has gas heating ('Forced Air, Gas'). 'Natural Gas' was selected from the schedule.
Cooking
$6
Property includes a 'Gas Stove'. 'Natural Gas' was selected from the schedule.
Water Heating
$18
The primary heating source is gas; therefore, 'Natural Gas' is the assumed and most common fuel for water heating.
Other Electric
$59
A standard allowance for general electricity usage (lights, outlets) not covered by other specific categories.
Air Conditioning
$11
Property details list 'Wall/Window Unit(s)' for cooling.
Water
$66
Property details list 'Public' as the water source.
Sewer
$99
Property details list 'Public Sewer' as the sewer type.
Refrigerator
$0
The property includes a refrigerator ('Inclusions: ... Refrigerator'), so no tenant-owned appliance allowance is needed.
Range/Microwave
$0
The property includes a microwave ('Inclusions: ... Microwave Oven'), so no tenant-owned appliance allowance is needed.
Trash Collection
$0
No specific allowance is provided in the schedule for trash collection (all values are null).
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf
https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf
https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf
https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/doing-business/landlord-resources/
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$155
DP3 Annual Estimate$390
DP1 Monthly Equivalent$13
DP3 Monthly Equivalent$32
Replacement Value$11,000
Basis1,152 sqft / 1930
Nearby Houses
Photo unavailable
516 Suffolk St
sold · 0.01 mi
Price: $28,000
3 bd / 1 ba · 1,408 sqft
Latest sale: $28,000 on Apr 01, 2024
Latest rent: $1,850 on Sep 11, 2024
Photo unavailable
522 Suffolk St
sold · 0.01 mi
Price: $195,000
3 bd / 2 ba · 1,679 sqft
Latest sale: $195,000 on Dec 12, 2025
Latest rent: $199,000 on Nov 09, 2025
Photo unavailable
417 E Burgess St
sold · 0.08 mi
Price: $32,000
3 bd / 3 ba · 1,188 sqft
Latest sale: $32,000 on Mar 30, 2022
Latest rent: $1,800 on Sep 27, 2025
Photo unavailable
319 E McIntyre Ave
sold · 0.12 mi
Price: $20,000
3 bd / 1 ba · 1,008 sqft
Latest sale: $20,000 on Nov 23, 2021
Latest rent: —
Photo unavailable
309 E McIntyre Ave
sold · 0.13 mi
Price: $33,000
5 bd / 2 ba
Latest sale: $33,000 on Nov 05, 2020
Latest rent: —
Photo unavailable
2434 Hazelton St
off_market · 0.16 mi
Price: $1,075
3 bd / 1 ba
Latest sale: $19,000 on Aug 20, 2013
Latest rent: $1,400 on Aug 13, 2025
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Unsafe front stairs / deteriorated wooden steps (trip/fall hazard)
- Missing or insufficient handrail(s) on front entry (broken/missing handrail)
- Potential exposed wiring or unsecured penetration near range/hood chimney (electrical hazard risk)
- No clearly visible smoke detectors or CO alarms in photos (life-safety items may be missing)
- No visible confirmation of GFCI protection in kitchen (electrical/code risk)
Assumptions
- Listing statements are accurate: roof replaced in 2024 and plumbing/drainage updated in 2026.
- Forced-air HVAC (or similar) exists and is functional because floor vents are visible; specific equipment not shown.
- Water heater and electrical service exist and are operational although not pictured.
- Bedrooms have compliant egress windows based on typical dormer/window sizes (not fully verifiable from photos).
- Smoke and carbon monoxide alarms are not visible in the supplied photos; assume they may be missing or insufficient until confirmed.
- GFCI protection in kitchen and bathroom was not visible in photos and is assumed likely absent in receptacles shown until verified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $12 | $18,500 | $500 |
| 2024 | $11 | $18,500 | $500 |
| 2023 | $11 | $18,500 | $500 |
| 2022 | $11 | $18,500 | $500 |
| 2021 | $11 | $18,500 | $500 |
| 2020 | $11 | $18,500 | $500 |
| 2019 | $418 | $18,500 | $18,500 |
| 2018 | $418 | $18,500 | $18,500 |
| 2017 | $418 | $18,500 | $18,500 |
| 2016 | $423 | $18,500 | $18,500 |
| 2015 | $423 | $18,500 | $18,500 |
| 2014 | $405 | $18,500 | $18,500 |
| 2013 | $484 | $18,500 | $18,500 |
| 2012 | $380 | $12,500 | $12,500 |
| 2011 | $1,044 | $35,500 | $20,500 |
| 2010 | $973 | $35,500 | $20,500 |
| 2009 | $602 | $35,500 | $20,500 |
| 2008 | $602 | $35,500 | $20,500 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-05-06 | Sold | $53,000 |
| 2011-07-20 | Sold | $18,900 |
| 2011-03-23 | Sold | $2,000 |
| 1998-12-04 | Sold | $15,750 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2018-09-27 | Listed for rent | $725 | — |
| 2017-02-09 | Listed for rent | $700 | — |
| 2015-10-03 | Listed for rent | $700 | — |
| 2013-08-29 | Listed for rent | $695 | — |
| 2012-08-24 | Listed for rent | $645 | — |
Photo Gallery
Show raw JSON (debug)
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"summary": "Overall the property is in generally good condition with recent major work (roof 2024, plumbing/drainage 2026) and a remodeled kitchen. It is likely to pass a Section 8 / NSPIRE initial inspection after addressing several moderate safety items: repair/replace the deteriorated front steps and add continuous handrails, verify and install required smoke and CO detectors, confirm and remediate any exposed wiring near the range/hood and install GFCI protection in the kitchen/bath if missing. Major structural or system failures are not evident from photos; most deficiencies are moderate and should be correctable within 1–4 weeks, making the property reasonably rent-ready with targeted repairs.",
"criteria": [
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"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently updated: remodeled kitchen, laminate flooring, dishwasher and stove present, original hardwoods in good visible condition. Cosmetic painting and finish work remain (trim, some paint touch-ups). Exterior porch flooring and front steps show wood deterioration and missing risers which will require repair. Yard is overgrown and foundation paint is peeling in places. Missing or weathered porch stairs and railing are the primary repair items but are not structural for the whole building; appliances present so missing-appliance penalties are not applied."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No visible active leaks, collapsed ceilings, or major structural movement. However there are notable safety concerns: front steps are deteriorated with no continuous handrail on both sides (unsafe stairs / broken handrail hazard). No clearly visible smoke detectors or CO alarms in photos (not observed), and GFCI outlets in kitchen/bath are not evident. There appears to be wiring/penetration near the kitchen chimney and range hood area that should be confirmed (possible exposed wiring). Bedroom egress appears likely but cannot be fully verified from photos. These issues represent moderate NSPIRE inspection risks that can typically be corrected quickly but must be addressed before approval."
},
{
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"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Listing states new roof (2024) and plumbing/drainage updates (2026), which are strong positives. Floor vents visible suggesting forced-air heating distribution; no obvious lack of heating system seen in photos. Electrical panel, water heater, and HVAC equipment are not shown so their condition is unverified. Appliances (gas range, dishwasher, refrigerator) are present; gas range appears installed normally but vent/duct penetration should be checked. Given the recent roof and plumbing updates but unknowns about electrical panel, water heater and system ages, score reflects likely functional systems but with some unknowns to verify."
},
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"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Exterior envelope appears intact: siding in acceptable condition, newer roof reported. However front porch and stairs need repair and handrail work; landscaping is overgrown and path/trip hazards exist. Foundation appears painted and intact with no obvious major cracking visible in photos. Side walk / access path is narrow and site drainage details are not visible. Overall exterior is serviceable but requires attention to the porch/entry and yard for safe tenant access."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Unsafe front stairs / deteriorated wooden steps (trip/fall hazard)",
"Missing or insufficient handrail(s) on front entry (broken/missing handrail)",
"Potential exposed wiring or unsecured penetration near range/hood chimney (electrical hazard risk)",
"No clearly visible smoke detectors or CO alarms in photos (life-safety items may be missing)",
"No visible confirmation of GFCI protection in kitchen (electrical/code risk)"
],
"confidence": 0.6,
"assumptions": [
"Listing statements are accurate: roof replaced in 2024 and plumbing/drainage updated in 2026.",
"Forced-air HVAC (or similar) exists and is functional because floor vents are visible; specific equipment not shown.",
"Water heater and electrical service exist and are operational although not pictured.",
"Bedrooms have compliant egress windows based on typical dormer/window sizes (not fully verifiable from photos).",
"Smoke and carbon monoxide alarms are not visible in the supplied photos; assume they may be missing or insufficient until confirmed.",
"GFCI protection in kitchen and bathroom was not visible in photos and is assumed likely absent in receptacles shown until verified."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property looks largely renovated and close to rent-ready: interior finishes and kitchen are updated and the listing reports recent roof and plumbing work. The most likely failing items on an initial HCV/NSPIRE inspection are exterior entry/porch stairs and handrail deficiencies, and lack of clearly documented/visible smoke and CO detector placement and GFCI protection. With prompt fixes (install continuous handrail, verify/add detectors and GFCI, minor porch repairs and yard cleanup) it is likely to pass within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently refreshed: hardwood floors in good condition, remodeled kitchen and cabinets, range/dishwasher/fridge shown. Cosmetic painting and trim work remain in places (paint around window, some trim wear). Exterior shows peeling paint on porch, overgrown yard and garden bed, and front stair treads/risers need repair. Missing or worn exterior stair finish and some minor porch wood repairs are the main outstanding items. Missing appliances are not an issue here (stove, fridge and dishwasher present)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious active hazards inside (no visible major water stains, collapsed ceilings or severe mold). Floor vents and ceiling fans present; bedrooms have windows that appear to provide egress. However there are clear safety concerns at the exterior entry: front steps lack a continuous handrail on both sides and the stairs look steep/narrow, which can fail an inspection. Smoke/carbon monoxide detectors are not clearly visible in photos (one small round device is visible but not confirmed as code-compliant placement). GFCI locations are not visible in kitchen/bath photos. Because of the missing/insufficient handrail(s) and incomplete verification of detectors/GFCI, this is a moderate safety risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Listing states a new roof (2024) and plumbing/drainage updates (2026), and photos show floor vents consistent with a forced-air system. Kitchen appliances including a gas range and stainless dishwasher are installed. No water heater, furnace or electrical panel are shown in images to directly confirm working condition, but visible vents and updated plumbing references support functioning systems. Without direct inspection of furnace, water heater, and electrical panel I assume operational but recommend verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 62.0,
"rationale": "House is on a narrow lot with overgrown plantings and evidence of deferred yard maintenance. Foundation block and porch skirt are painted but show some wear; no large visible foundation displacement or roof failure (roof replacement claimed 2024). The concrete porch and walkway are intact but landscaping/plant containment and access steps need attention. Side yard access is narrow but functional. Overall exterior is serviceable but needs cleanup and stair/porch repairs to meet typical inspection expectations."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"unsafe stairs",
"broken handrails"
],
"confidence": 0.65,
"assumptions": [
"Heating system (forced-air) is present and operational (floor vents visible) though furnace/heater not shown in photos.",
"Water heater and main plumbing are functional given listing note of plumbing/drainage updates in 2026; no active leaks visible in interior photos.",
"Smoke detector(s) / CO alarms may exist but their locations and code-compliant placement are not clearly shown in photos; assume at least one device exists but not guaranteed to meet NSPIRE placement.",
"Electrical panel and grounding are present and intact but not visible in photos; assume no major electrical hazard inside based on tidy interior.",
"Kitchen appliances shown (gas range, dishwasher, refrigerator) are present; range appears gas — gas connection assumed correct but not verified on-site.",
"Windows pictured meet egress size for the bedrooms based on visual estimate, but exact measurements not provided.",
"Listing statements (new roof 2024, plumbing/drainage updates 2026, owner-occupied) are accurate and reduce some system risk."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2-bed single-family property appears largely move-in ready with a modernized kitchen, intact original hardwoods and seller-reported major updates (new roof 2024, plumbing/drainage 2026). Most issues visible in the photos are cosmetic or moderate (exterior paint, porch/step repair, site cleanup). Primary inspection risks are missing/undocumented smoke and carbon monoxide alarms, potential need for GFCI protection in the kitchen, and the deteriorated front steps/rail condition. If detectors are installed/verified, GFCI added if needed, and the porch stairs/rail repaired, the property is likely to pass an initial HCV/NSPIRE inspection with minor repairs (rent-ready within ~1–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently updated: remodeled kitchen with cabinetry, countertops, dishwasher and stove present; original hardwood floors visible and in generally good condition with limited surface wear. Cosmetic painting and ceiling patchwork visible in some rooms. Exterior porch and railings show weathering and peeling paint; front steps are worn and the stair treads/risers look aged and may need repair or replacement. Missing/loose trim and some exterior paint flaking observed. Overall these are primarily minor cosmetic and carpentry items that are easy-to-fix or capital-only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No obvious life-threatening hazards in photos (no collapsed ceilings, no standing water, no visible severe mold). Gas range and vent hood are present (carbon monoxide alarm is required where gas appliances exist — no dedicated CO alarm is visible in photos). Smoke/CO detector locations are not clearly visible on each level/bedroom; NSPIRE requires functioning smoke detectors on each level and in sleeping areas. Porch stairs show a single handrail and weathered treads; depending on exact step count and code, handrail/guard condition may fail if loose or missing. Kitchen GFCI protection near sink is not clearly visible. Electrical covers appear present in main rooms but full panel/ exposed wiring not shown. Because of these unknowns (detectors, GFCI, handrail condition) there's moderate inspection risk until verified/corrected."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 80.0,
"rationale": "Listing indicates recent significant work: new roof installed 2024 and plumbing/drainage updates in 2026, which lowers risk for roof leaks and plumbing failures. Kitchen appliances (gas stove, dishwasher, refrigerator) are present. Floor vents visible suggest a forced air heating distribution system, but the heating appliance and water heater are not pictured; their operational status is not shown. No visible signs of active leaks or water intrusion in interior photos. Overall systems appear in good condition based on seller claims and visible kitchen/venting work, but lack of pictured heating and water heater reduces certainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.0,
"rationale": "Exterior roof reported new (2024) and siding is intact though shows age and peeling paint in areas. Concrete porch slab appears sound; raised flower beds/yard are overgrown and need cleanup. Foundation is painted cinderblock with some surface irregularities visible but no clear evidence of major foundation movement in photos. The house backs up to a steep hillside — listing states drainage updates (2026) but the slope increases risk of drainage issues if not properly managed. Walkway and steps are functional but show wear and could be slip/trip hazards if not repaired. Overall site condition is serviceable but needs attention to stairs/porch, landscaping and minor exterior maintenance."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Front exterior stairs/handrail appear deteriorated/partially missing and may be an unsafe stair/handrail condition requiring repair.",
"No clearly visible smoke detectors or carbon monoxide alarm in photos (CO alarm required due to gas range) — must verify and/or install before inspection."
],
"confidence": 0.7,
"assumptions": [
"Listing statements are accurate: roof replaced in 2024 and plumbing/drainage updated in 2026.",
"Heating equipment and water heater exist and are functional though not pictured (floor vents indicate forced air).",
"No active roof leaks or interior water intrusion beyond what is visible in photos.",
"Smoke and CO detectors may be present but were not visible in provided photos; if absent they will need installation prior to inspection.",
"Electrical panel condition and full wiring layout are not visible; no obvious exposed wiring seen in photos.",
"Foundation shows surface wear but no active structural movement was visible in the images; deeper structural issues are not evident from photos alone."
],
"overall_score": 75.0,
"rubric_version": "2026-02-25-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "520 Suffolk St, Pittsburgh, PA, 15214",
"aggregate": {
"summary": "Overall the property is in generally good condition with recent major work (roof 2024, plumbing/drainage 2026) and a remodeled kitchen. It is likely to pass a Section 8 / NSPIRE initial inspection after addressing several moderate safety items: repair/replace the deteriorated front steps and add continuous handrails, verify and install required smoke and CO detectors, confirm and remediate any exposed wiring near the range/hood and install GFCI protection in the kitchen/bath if missing. Major structural or system failures are not evident from photos; most deficiencies are moderate and should be correctable within 1–4 weeks, making the property reasonably rent-ready with targeted repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.0,
"rationale": "Interior appears recently updated: remodeled kitchen, laminate flooring, dishwasher and stove present, original hardwoods in good visible condition. Cosmetic painting and finish work remain (trim, some paint touch-ups). Exterior porch flooring and front steps show wood deterioration and missing risers which will require repair. Yard is overgrown and foundation paint is peeling in places. Missing or weathered porch stairs and railing are the primary repair items but are not structural for the whole building; appliances present so missing-appliance penalties are not applied."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 63.3,
"rationale": "Exterior envelope appears intact: siding in acceptable condition, newer roof reported. However front porch and stairs need repair and handrail work; landscaping is overgrown and path/trip hazards exist. Foundation appears painted and intact with no obvious major cracking visible in photos. Side walk / access path is narrow and site drainage details are not visible. Overall exterior is serviceable but requires attention to the porch/entry and yard for safe tenant access."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No visible active leaks, collapsed ceilings, or major structural movement. However there are notable safety concerns: front steps are deteriorated with no continuous handrail on both sides (unsafe stairs / broken handrail hazard). No clearly visible smoke detectors or CO alarms in photos (not observed), and GFCI outlets in kitchen/bath are not evident. There appears to be wiring/penetration near the kitchen chimney and range hood area that should be confirmed (possible exposed wiring). Bedroom egress appears likely but cannot be fully verified from photos. These issues represent moderate NSPIRE inspection risks that can typically be corrected quickly but must be addressed before approval."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 73.3,
"rationale": "Listing states new roof (2024) and plumbing/drainage updates (2026), which are strong positives. Floor vents visible suggesting forced-air heating distribution; no obvious lack of heating system seen in photos. Electrical panel, water heater, and HVAC equipment are not shown so their condition is unverified. Appliances (gas range, dishwasher, refrigerator) are present; gas range appears installed normally but vent/duct penetration should be checked. Given the recent roof and plumbing updates but unknowns about electrical panel, water heater and system ages, score reflects likely functional systems but with some unknowns to verify."
}
],
"red_flags": [
"Unsafe front stairs / deteriorated wooden steps (trip/fall hazard)",
"Missing or insufficient handrail(s) on front entry (broken/missing handrail)",
"Potential exposed wiring or unsecured penetration near range/hood chimney (electrical hazard risk)",
"No clearly visible smoke detectors or CO alarms in photos (life-safety items may be missing)",
"No visible confirmation of GFCI protection in kitchen (electrical/code risk)"
],
"confidence": 0.82,
"assumptions": [
"Listing statements are accurate: roof replaced in 2024 and plumbing/drainage updated in 2026.",
"Forced-air HVAC (or similar) exists and is functional because floor vents are visible; specific equipment not shown.",
"Water heater and electrical service exist and are operational although not pictured.",
"Bedrooms have compliant egress windows based on typical dormer/window sizes (not fully verifiable from photos).",
"Smoke and carbon monoxide alarms are not visible in the supplied photos; assume they may be missing or insufficient until confirmed.",
"GFCI protection in kitchen and bathroom was not visible in photos and is assumed likely absent in receptacles shown until verified."
],
"score_method": "mean_of_criteria",
"overall_score": 70.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3919438790"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.