Property ID: 3948956349
439 Carnahan Ave, Findlay, OH, 45840
Findlay, OH
Money Down: $21,600
CoC Return: 26.37%
Monthly Cash Flow: $475
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$18,000
Closing Costs
$3,600
Total Down
$21,600
Investment Snapshot
Purchase Price
$90,000
Money Down
$21,600
Cash-on-Cash Return
26.37%
Rent
$1,363
Monthly Cash Flow
$475
Annual Cash Flow
$5,696
Debt Service / Mo
$479
Property Tax / Mo
$198
Insurance / Mo
$75
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,363
Payment Standard
$1,693
Rent
$1,363
Insurance
$75
Property Tax
$198
Management
$136
Utilities Allowance
$330
NOI (Monthly)
$954
Debt Service
$479
Cash Flow After Debt
$475
Quality Score: 65.80%
Confidence: 95.00%
Overall the property appears structurally sound from exterior photos with intact siding, roofline and a usable porch, plus an oversized garage and sunroom — suggesting a home that could be Section 8 rent-ready after modest work. The primary risks are unverified interior safety items (smoke/CO detectors, GFCI outlets, bedroom egress), and unknown operational status of HVAC, furnace and water heater following foreclosure. Expect typical cosmetic repairs, porch repaint, yard cleanup and a systems check. With straightforward fixes and verification of detectors and systems the home is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.
Section 8 Payment Standard
$1,693
Utility Allowance Total
$330
Guaranteed Section 8 Rent (PS - Utilities)
$1,363
Property Management
$136
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$90,000
Beds
4
Baths
2
Living Area
2,100 sqft
Lot Size
6,534 sqft
Year Built
1940
Days on Market
62
Capital Outlay
$21,600
Debt Service
$479
Property Tax / Mo
$198
Insurance / Mo
$75
Property Description
Foreclosure Auction! Online Only. Min Bid $90,000. Auction ends on Feb. 10th at 2PM. Get ready to fall in love with this 4-bedroom, 2-bath home in Findlay, OH, offering plenty of space and character throughout. The kitchen features updated oak cabinets and flows into a separate formal dining room that could easily be used as an office, playroom, or flex space to fit your needs. A huge living room serves as the heart of the home with its vaulted ceiling, woodburning fireplace, and impressive built-in shelving. The sunroom adds yet another inviting living area, perfect for relaxing or entertaining. With two bedrooms and a full bath on each level, the layout offers comfortable options for everyone. Outside, you'll appreciate the oversized detached garage and convenient storage shed, adding even more functionality to this appealing property.
Utility Allowances
Heating (Natural Gas)
$95
Property details explicitly state 'Natural Gas' for heating.
Cooking (Natural Gas)
$16
Property has Natural Gas available for heating, making it the most likely and economical fuel for cooking.
Water Heating (Natural Gas)
$42
Property has natural gas service for heating, making it the most probable and cost-effective fuel for water heating.
Other Electric
$50
Standard allowance for general household electricity consumption (lights, outlets, etc.) for a 4-bedroom unit.
Water
$40
Property details state connection to a 'Public' water source.
Sewer
$46
Property details state connection to 'Public Sewer'.
Trash Collection
$25
Standard allowance for municipal trash collection service.
Refrigerator (Tenant-owned)
$8
An allowance for a tenant-owned refrigerator is included as one was not specified as provided.
Range (Tenant-owned)
$8
An allowance for a tenant-owned range is included as one was not specified as provided.
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$879
DP3 Annual Estimate$919
DP1 Monthly Equivalent$73
DP3 Monthly Equivalent$77
Replacement Value$173,390
Basis2,100 sqft / 1940
Nearby Houses
Photo unavailable
447 Carnahan Dr
sold · 0.03 mi
Price: $82,000
2 bd / 2 ba · 1,058 sqft
Latest sale: $82,000
Latest rent: —
Photo unavailable
423 Carnahan Ave
sold · 0.05 mi
Price: $117,400
3 bd / 2 ba · 1,064 sqft
Latest sale: $117,400 on Dec 22, 2017
Latest rent: —
Photo unavailable
428 McManness Ave
sold · 0.05 mi
Price: $104,900
3 bd / 1 ba · 1,284 sqft
Latest sale: $104,900 on Jan 11, 2019
Latest rent: —
Photo unavailable
432 Carnahan Ave
sold · 0.05 mi
Price: $165,000
2 bd / 1 ba · 1,016 sqft
Latest sale: $165,000 on Jan 14, 2026
Latest rent: —
Photo unavailable
500 McManness Ave
sold · 0.05 mi
Price: $78,000
3 bd / 2 ba · 1,438 sqft
Latest sale: $78,000 on Jan 18, 2017
Latest rent: $1,080 on Mar 10, 2019
Photo unavailable
510 McManness Ave
sold · 0.06 mi
Price: $129,000
2 bd / 2 ba · 1,597 sqft
Latest sale: $129,000 on Sep 18, 2017
Latest rent: —
Photo unavailable
420 McManness Ave
sold · 0.06 mi
Price: $157,500
3 bd / 1 ba · 1,326 sqft
Latest sale: $157,500 on Mar 12, 2025
Latest rent: —
Photo unavailable
422 Carnahan Ave
sold · 0.06 mi
Price: $119,900
2 bd / 1 ba · 1,110 sqft
Latest sale: $119,900 on Mar 15, 2019
Latest rent: —
Photo unavailable
718 Cherry St
sold · 0.09 mi
Price: $154,500
3 bd / 2 ba · 1,326 sqft
Latest sale: $154,500 on Feb 08, 2019
Latest rent: —
Photo unavailable
716 Cherry St
sold · 0.09 mi
Price: $111,500
3 bd / 1 ba · 1,212 sqft
Latest sale: $111,500 on Dec 22, 2017
Latest rent: $1,350 on Jan 30, 2026
Photo unavailable
710 Cherry St
sold · 0.11 mi
Price: $155,733
3 bd / 2 ba · 1,617 sqft
Latest sale: $155,733 on Apr 28, 2025
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior rooms, finishes, plumbing fixtures, and smoke/CO detectors are not visible; assumed typical foreclosure-level interior condition (cleaning, minor repairs) unless inspection reveals otherwise.
- Kitchen was at least partly updated (listing says updated oak cabinets); assume basic kitchen infrastructure exists but appliances and exact condition are unverified.
- HVAC presence is inferred from an outdoor condenser unit; assume central heating exists but operational status is unknown (may need service after vacancy).
- Roof appears intact in photos; no active leaks are visible from exterior images but no attic/ceiling interior photos were provided to confirm.
- Porch railings are present and appear serviceable though paint/finish is deteriorated and will need cosmetic repair.
- Utilities may be shut off following foreclosure; operational testing of electrical, plumbing, heating and hot water will be required prior to tenancy.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $2,308 | $185,690 | $65,000 |
| 2023 | $2,316 | $185,690 | $65,000 |
| 2022 | $2,304 | $185,690 | $65,000 |
| 2021 | $2,039 | $143,130 | $50,096 |
| 2020 | $2,039 | $143,130 | $50,096 |
| 2018 | $1,897 | $124,680 | $43,638 |
| 2017 | $1,897 | $124,680 | $43,638 |
| 2016 | $1,873 | $124,680 | $43,638 |
| 2015 | $2,180 | $142,430 | $49,851 |
| 2014 | $2,181 | $142,430 | $49,851 |
| 2013 | $2,181 | $142,430 | $49,851 |
| 2012 | $2,193 | $142,430 | $49,860 |
| 2011 | $2,192 | $142,430 | $49,860 |
| 2010 | $2,193 | $142,430 | $49,860 |
| 2009 | $1,869 | $128,550 | $44,990 |
| 2008 | $1,696 | $128,550 | $44,990 |
| 2007 | $1,691 | $128,550 | $44,990 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-10-14 | Sold | $174,900 |
| 2006-11-15 | Sold | $107,000 |
| 2006-08-16 | Sold | $58,500 |
| 2006-02-07 | Sold | $56,667 |
| 1999-08-18 | Sold | $82,500 |
Photo Gallery
Show raw JSON (debug)
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{
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{
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"summary": "Overall the property appears structurally sound from exterior photos with intact siding, roofline and a usable porch, plus an oversized garage and sunroom — suggesting a home that could be Section 8 rent-ready after modest work. The primary risks are unverified interior safety items (smoke/CO detectors, GFCI outlets, bedroom egress), and unknown operational status of HVAC, furnace and water heater following foreclosure. Expect typical cosmetic repairs, porch repaint, yard cleanup and a systems check. With straightforward fixes and verification of detectors and systems the home is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
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"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior photos show generally intact siding, windows and a full front porch with railings. Observable deferred maintenance is limited to peeling paint on porch steps/rail, scattered yard debris, and some overgrown/dead plant material in the backyard beds. Listing mentions updated oak cabinets which suggests at least some interior cosmetic updates. Because this is a foreclosure and interior photos are not provided, moderate allowance was made for typical interior touch-ups, cleaning and likely minor repairs. Missing appliances were not observed in photos; the listing implies a kitchen update so appliance absence was not heavily penalized."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No visible life‑threatening hazards on exterior: porch railings appear present, walkways and driveway are intact, and there is no visible collapsed ceiling or standing water. However critical safety items (smoke/CO detectors, GFCI in kitchen/baths, bedroom egress windows, electrical panel condition, plumbing/hot water) cannot be verified from exterior photos. The property has a chimney and woodburning fireplace which will require flue inspection and potentially a carbon monoxide check. Given unknown interior compliance after a foreclosure and lack of verification of detectors and GFCI protection, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 60.0,
"rationale": "Exterior shows an outdoor AC condenser and a visible chimney; roof shingles appear present without obvious sag or large missing sections, and a detached garage is on site. But age of roof and condition of HVAC, furnace, water heater, and plumbing cannot be confirmed. As a foreclosure, utilities or systems may be inactive or require service. Because there are visible HVAC components and no obvious major roof or foundation failure, systems risk is moderate pending interior/operational verification."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Vinyl siding appears intact and level; foundation height and vents are visible and look serviceable. Driveway is paved and provides parking; oversized detached garage and storage shed are positive. Rear sunroom/addition with sliding door looks intact. Yard has dead planting material and some debris but no visible erosion, major grading issues, or standing water. Minor cosmetic maintenance and some cleanup would be needed."
}
],
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"confidence": 0.6,
"assumptions": [
"Interior rooms, finishes, plumbing fixtures, and smoke/CO detectors are not visible; assumed typical foreclosure-level interior condition (cleaning, minor repairs) unless inspection reveals otherwise.",
"Kitchen was at least partly updated (listing says updated oak cabinets); assume basic kitchen infrastructure exists but appliances and exact condition are unverified.",
"HVAC presence is inferred from an outdoor condenser unit; assume central heating exists but operational status is unknown (may need service after vacancy).",
"Roof appears intact in photos; no active leaks are visible from exterior images but no attic/ceiling interior photos were provided to confirm.",
"Porch railings are present and appear serviceable though paint/finish is deteriorated and will need cosmetic repair.",
"Utilities may be shut off following foreclosure; operational testing of electrical, plumbing, heating and hot water will be required prior to tenancy."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and the listing, this 4-bed/2-bath 1940 single-family appears structurally reasonable and likely able to pass an initial HCV/NSPIRE inspection after verification and minor repairs. Main concerns that require confirmation and correction before listing for Section 8: presence and operation of smoke and CO detectors, verification of bedroom egress windows, condition/age of the addition's low-slope roof (possible leak risk), and addressing peeling paint on porch railings (lead-paint risk given year built). Systems (HVAC, water heater, electrical panel and plumbing) are not visible and should be tested. If those checks are positive and detectors installed, property is likely rent-ready within 2–4 weeks for inspection and minor repairs and cleaning.",
"criteria": [
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"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Exterior photos show an overall sound building envelope and intact siding, functioning windows and doors, and an intact front porch structure. Observable deferred maintenance is limited to peeling paint on porch railings/steps, cosmetic wear on porch flooring, yard debris, and some weathering of roof shingles (especially over the low addition). Listing mentions updated oak cabinets and two full baths (interior not shown) which suggests some interior updates. No major visible interior damage or collapsed elements. Missing interior photos means missing appliance/fixture verification; missing stove/fridge (if true) would be a moderate, easily-remedied item but not a catastrophic failure."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Exterior does not reveal exposed high-risk electrical wiring or foundation failure. Porch has a railing and steps appear to have handrail, but paint is peeling on railings (pre-1978 build = potential lead-paint hazard). No smoke or CO detectors visible from photos (cannot confirm presence inside). Bedroom egress windows cannot be confirmed from photos. No visible active water intrusion or standing water outside, but the addition has a low/flat roof that is a common source of leaks. Gas meter and exterior HVAC are present and appear intact. Because life-safety devices (smoke/CO) and bedroom egress are unknown and lead/peeling paint is present, safety risk is moderate and requires verification/mitigation before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "External HVAC condenser present at side suggests central HVAC; chimney indicates furnace/fireplace capability. Roof on main house appears shingled and generally intact, but the long strip near the front and the low-sloped addition roof show signs of aging and warrant closer inspection for leaks; flashing around the chimney should be checked. Water heater, electrical panel, plumbing function, and heating operation cannot be confirmed from photos. Given age (1940) and visible external equipment, systems likely functional but will need routine verification/possible servicing."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site & immediate hazards",
"score": 75.0,
"rationale": "Yard, driveway and walkway appear serviceable; oversized detached garage and storage shed present as advertised. Vinyl siding looks intact and gutters are present. Backyard addition and sliding door provide good light/egress; some yard debris and dead landscaping visible. No visible major foundation cracks, standing water, or collapsed elements. Tree close to house may drop limbs; small maintenance items (clean gutters, remove debris) are needed."
}
],
"red_flags": [
"Peeling/peeling-looking paint on front porch railings and trim — lead-paint risk due to 1940 construction (NSPIRE concern).",
"Low-slope/flat addition roof shows aging signs in photos — higher risk for leaks; needs close inspection/possible repair.",
"No visible smoke or CO detectors in photos — life-safety devices must be present and operational for NSPIRE compliance.",
"Interior safety items (egress windows, GFCI locations, electrical panel condition, hot water/heating functionality) are unknown and must be verified prior to inspection."
],
"confidence": 0.55,
"assumptions": [
"Interior photos not provided; assume interior is in fair condition as listing mentions updated oak cabinets and two full baths but that condition must be verified.",
"A central HVAC system is assumed present and possibly functional because an external condenser unit is visible in photos; functionality not confirmed.",
"Smoke and carbon monoxide detectors are not visible in photos and should be considered absent until verified.",
"Bedrooms likely exist with windows but egress compliance for bedrooms cannot be confirmed from exterior photos.",
"Year built 1940 implies potential for lead-based paint on painted surfaces (porch railings, trim) unless tested or remediated.",
"No recent rental history (rental_history_last_5y missing) — rental activity not used in scoring.",
"Roof over low/flat addition may be older and more likely to require repairs; main roof appears older but not visibly failed."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE_v1.0_photo_only_assessment_2026-02"
},
{
"summary": "Based on exterior photos and the listing, this 4-bed/2-bath foreclosure appears structurally intact and would likely be rentable after minor-to-moderate repairs and verification of interior safety systems. Major visible issues are limited to cosmetic exterior maintenance and a roof junction at the sunroom that should be inspected. Important NSPIRE-critical items (smoke/CO detectors, GFCI, egress, electrical panel, hot water, interior plumbing) are not visible and must be verified; assuming those are brought up to code, the property could pass an initial HCV inspection with 1–4 weeks of work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show a generally intact, occupied-looking house with vinyl siding, intact windows, a covered front porch and detached garage. Visible deferred maintenance is mostly cosmetic: peeling paint on porch steps/rail, porch skirt gaps, scattered yard debris, and typical wear on exterior trim. No visible collapsed elements or large missing components. Interior not shown — listing claims updated oak cabinets which suggests some recent work. Missing interior appliance status unknown; that would be an easy-to-fix, non-safety item. Overall moderate cosmetic and finish repairs expected but no major rehab visible."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious life‑threatening exterior hazards visible: railings are present on the front porch, driveway and walkways appear passable. No visible exposed electrical wiring on exterior; gas meter and exterior HVAC unit present and appear installed. However critical NSPIRE items cannot be confirmed from photos: presence and placement of smoke/CO detectors, GFCIs in kitchen/baths, electrical panel condition, hot water availability, bedroom egress windows and interior trip hazards. The sunroom/addition roof-to-wall junction is a potential source of water intrusion (safety/mold risk) if leaking. Given the lack of interior verification, assign a moderate risk score."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "An outdoor HVAC condenser is visible, indicating central HVAC (or central AC) equipment is present. Chimney is intact and capped. No visible major roof collapse or sagging; shingles appear aged but largely in place though snow covers portions of the roof and may hide issues. The sunroom/flat-roof section is a junction that commonly develops leaks and may have short remaining life. Water heater, furnace, electrical panel and plumbing fixtures not visible—so operational status is unknown. Based on visible equipment and lack of obvious system failures, rate as fair but recommend in‑person system checks."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Lot and site appear serviceable: paved driveway, oversized detached garage and storage shed present, yard is level, walkways clear of severe trip hazards. Vinyl siding and gutters appear intact. Minor exterior cleanup (vegetation debris, broken pumpkins) and porch paint/trim work are needed. No visible foundation displacement, severe erosion, standing water, or pest infestation in the provided photos."
}
],
"red_flags": [
"Potential roof/flashing junction issues at the single-story sunroom addition (risk of leaks and hidden water damage).",
"No interior access to verify presence and placement of smoke and carbon monoxide detectors (NSPIRE critical).",
"Utilities and interior systems condition unknown due to foreclosure/auction status — possible inactive utilities or equipment issues.",
"Curtained/covered windows on the rear addition and lack of interior photos increase uncertainty about interior habitability and hidden defects."
],
"confidence": 0.6,
"assumptions": [
"Interior condition (floors, walls, appliances, smoke/CO detectors, GFCI outlets, electrical panel) is unknown — assessment assumes no catastrophic interior damage unless discovered on walkthrough.",
"Outdoor HVAC unit indicates a forced‑air system or central AC that is present and likely intact; assume heating exists but recommend verification of operation.",
"Roof shingles are aged but not actively collapsed; snow may hide local shingle damage—assume no major roof failure unless inspection finds otherwise.",
"Sunroom/flat-roof junction may have increased leak risk due to flat/low slope area; assume potential localized water intrusion unless verified dry.",
"Front and rear doors are assumed lockable and reasonably secure; deadbolt presence is not confirmed but can be added easily if missing.",
"Appliances (stove/fridge) are not pictured — missing appliances would be treated as moderate, easy-to-fix items, not an automatic fail."
],
"overall_score": 67.0,
"rubric_version": "nsPIRE-2024-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "439 Carnahan Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "Overall the property appears structurally sound from exterior photos with intact siding, roofline and a usable porch, plus an oversized garage and sunroom — suggesting a home that could be Section 8 rent-ready after modest work. The primary risks are unverified interior safety items (smoke/CO detectors, GFCI outlets, bedroom egress), and unknown operational status of HVAC, furnace and water heater following foreclosure. Expect typical cosmetic repairs, porch repaint, yard cleanup and a systems check. With straightforward fixes and verification of detectors and systems the home is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior photos show generally intact siding, windows and a full front porch with railings. Observable deferred maintenance is limited to peeling paint on porch steps/rail, scattered yard debris, and some overgrown/dead plant material in the backyard beds. Listing mentions updated oak cabinets which suggests at least some interior cosmetic updates. Because this is a foreclosure and interior photos are not provided, moderate allowance was made for typical interior touch-ups, cleaning and likely minor repairs. Missing appliances were not observed in photos; the listing implies a kitchen update so appliance absence was not heavily penalized."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Vinyl siding appears intact and level; foundation height and vents are visible and look serviceable. Driveway is paved and provides parking; oversized detached garage and storage shed are positive. Rear sunroom/addition with sliding door looks intact. Yard has dead planting material and some debris but no visible erosion, major grading issues, or standing water. Minor cosmetic maintenance and some cleanup would be needed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 58.3,
"rationale": "No visible life‑threatening hazards on exterior: porch railings appear present, walkways and driveway are intact, and there is no visible collapsed ceiling or standing water. However critical safety items (smoke/CO detectors, GFCI in kitchen/baths, bedroom egress windows, electrical panel condition, plumbing/hot water) cannot be verified from exterior photos. The property has a chimney and woodburning fireplace which will require flue inspection and potentially a carbon monoxide check. Given unknown interior compliance after a foreclosure and lack of verification of detectors and GFCI protection, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 61.7,
"rationale": "Exterior shows an outdoor AC condenser and a visible chimney; roof shingles appear present without obvious sag or large missing sections, and a detached garage is on site. But age of roof and condition of HVAC, furnace, water heater, and plumbing cannot be confirmed. As a foreclosure, utilities or systems may be inactive or require service. Because there are visible HVAC components and no obvious major roof or foundation failure, systems risk is moderate pending interior/operational verification."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Interior rooms, finishes, plumbing fixtures, and smoke/CO detectors are not visible; assumed typical foreclosure-level interior condition (cleaning, minor repairs) unless inspection reveals otherwise.",
"Kitchen was at least partly updated (listing says updated oak cabinets); assume basic kitchen infrastructure exists but appliances and exact condition are unverified.",
"HVAC presence is inferred from an outdoor condenser unit; assume central heating exists but operational status is unknown (may need service after vacancy).",
"Roof appears intact in photos; no active leaks are visible from exterior images but no attic/ceiling interior photos were provided to confirm.",
"Porch railings are present and appear serviceable though paint/finish is deteriorated and will need cosmetic repair.",
"Utilities may be shut off following foreclosure; operational testing of electrical, plumbing, heating and hot water will be required prior to tenancy."
],
"score_method": "mean_of_criteria",
"overall_score": 65.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3948956349"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.