Property ID: 3981290991
23960 First St, Cloverdale, OH, 45827
Cloverdale, OH
Money Down: $32,376
CoC Return: 0.78%
Monthly Cash Flow: $21
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,980
Closing Costs
$5,396
Total Down
$32,376
Investment Snapshot
Purchase Price
$134,900
Money Down
$32,376
Cash-on-Cash Return
0.78%
Rent
$877
Monthly Cash Flow
$21
Annual Cash Flow
$253
Debt Service / Mo
$718
Property Tax / Mo
$19
Insurance / Mo
$31
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$877
Payment Standard
$1,053
Rent
$877
Insurance
$31
Property Tax
$19
Management
$88
Utilities Allowance
$176
NOI (Monthly)
$739
Debt Service
$718
Cash Flow After Debt
$21
Quality Score: 68.90%
Confidence: 93.00%
Based on exterior photos and listing remarks, this 2BR/1BA single-family home appears to be in generally good condition with a newer metal roof, replacement windows and recent interior updates noted in the listing. Visible issues are largely cosmetic (shed paint, shrubbery, minor drainage puddles). Because interior systems (smoke/CO detectors, HVAC operation, electrical panel condition, GFCI outlets, hot water, plumbing) are not documented in photos, there is moderate risk that an initial HCV/NSPIRE inspection will require minor to moderate fixes. With a short interior check and verification/installation of required detectors and GFCI, this property is likely to pass after typical pre-rental work (estimated rent-ready timeline: within 2–4 weeks).
Section 8 Payment Standard
$1,053
Utility Allowance Total
$176
Guaranteed Section 8 Rent (PS - Utilities)
$877
Property Management
$88
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$134,900
Beds
2
Baths
1
Living Area
1,040 sqft
Lot Size
65,340 sqft
Year Built
1963
Days on Market
51
Capital Outlay
$32,376
Debt Service
$718
Property Tax / Mo
$19
Insurance / Mo
$31
Property Description
Great deals don't seem to come along often these days but we have one for you! Located in Mandale (Washington Township) this property includes SEVEN lots for a total of 1.52 acres. The home sits on a corner lot and offers a metal roof, large garage, brand new flooring throughout, replacement windows, some new fixtures, 2 sheds, and circle drive. You have multiple options with the additional lots... build an outbuilding, sell them, or keep them for your own recreational use! Mandale is nestled between Ottoville to the south, Kalida to the east, Grover Hill to the west, and Oakwood to the north. Come check this one out and discover that affordable living really does exist!!
Utility Allowances
Heating
$67
Fuel type 'electric' was selected based on 'Baseboard' heating listed in the property details. The value is for a 2-bedroom unit.
Water Heating
$33
Fuel type 'electric' was inferred. The property lists an unspecified 'Water Heater', but other major systems (heating and cooking) are electric, making electric the most likely fuel. The value is for a 2-bedroom unit.
Cooking
$11
Fuel type 'electric' was selected based on the 'Electric Oven' listed in the property's appliances. The value is for a 2-bedroom unit.
Other Electric
$32
This is a standard allowance for general electrical use (lights, outlets) in an electrified property, based on a 2-bedroom unit.
Trash Collection
$25
Trash collection is assumed to be a tenant expense as it is a standard utility for a single-family home and not stated otherwise. The allowance amount is fixed.
Tenant-Supplied Refrigerator
$8
A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned and an allowance is provided according to the schedule for a 2-bedroom unit.
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$362
DP3 Annual Estimate$378
DP1 Monthly Equivalent$30
DP3 Monthly Equivalent$32
Replacement Value$42,000
Basis1,040 sqft / 1963
Nearby Houses
Photo unavailable
Address unavailable
sold · 0.05 mi
Price: $92,500
3 bd / 2 ba · 1,480 sqft
Latest sale: $92,500
Latest rent: —
Photo unavailable
2546 State Route 66
sold · 0.31 mi
Price: $202,000
3 bd / 2 ba · 1,778 sqft
Latest sale: $202,000 on Sep 17, 2025
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement 'brand new flooring throughout' and 'replacement windows' is accurate and interior cosmetic issues are minimal.
- A functional heating system is present (typical for an occupied Ohio home) though not visible in exterior photos.
- No major interior electrical hazards or plumbing leaks exist unless discovered on interior inspection; exterior photos show no evidence of active water intrusion.
- Smoke and carbon monoxide detectors, GFCI protection in kitchen/bath, and functioning hot water are not visible in photos and will need verification prior to lease.
- Garage door and main entry door are operable though deadbolt presence is unconfirmed.
- Antenna tower and overhead service are intact and properly installed; no visible damage to electrical service on photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $226 | $49,800 | $17,430 |
| 2023 | $184 | $45,300 | $15,860 |
| 2022 | $199 | $45,300 | $15,860 |
| 2021 | $162 | $37,400 | $13,100 |
| 2020 | $167 | $37,400 | $13,100 |
| 2019 | $168 | $37,400 | $13,100 |
| 2018 | $77 | $32,300 | $11,310 |
| 2017 | $91 | $32,300 | $11,310 |
| 2016 | $90 | $32,300 | $11,310 |
| 2015 | $57 | $30,100 | $10,540 |
| 2014 | $62 | $30,100 | $10,540 |
| 2013 | $67 | $30,100 | $10,540 |
| 2012 | $103 | $31,500 | $11,030 |
| 2011 | $103 | $31,500 | $11,030 |
| 2010 | $107 | $31,500 | $11,030 |
| 2008 | $265 | $42,600 | $14,920 |
| 2005 | $568 | $38,800 | — |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-17 | Listed | $134,900 |
| 2018-09-18 | Sold | $92,500 |
Photo Gallery
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"days_after_listed": null,
"source_listing_id": "10004178",
"price_change_percentage": "+45.84%"
},
{
"date": "2018-09-18",
"price": 92500,
"listing": null,
"event_name": "Sold",
"price_sqft": 88.9423076923077,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "3981290991",
"generated_at": "2026-02-24T23:05:19.429536Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.9
},
"utility_allowance": {
"zip_code": "45827",
"home_photo": "https://ap.rdcpix.com/72ebbdf64df4ea763e78c707883daff1l-m2270403848s-w1280.jpg",
"rent_price": 877.0,
"loan_amount": 107920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/23960-1st-St_Cloverdale_OH_45827_M39812-90991",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 134900.0,
"loan_term_years": 30,
"annual_cash_flow": 8868.82,
"mortgage_monthly": 717.99,
"payment_standard": 1053.0,
"total_amount_out": 26980.0,
"additional_photos": [
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"https://ap.rdcpix.com/72ebbdf64df4ea763e78c707883daff1l-m3526029084s-w1280.jpg",
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"https://ap.rdcpix.com/72ebbdf64df4ea763e78c707883daff1l-m729381904s-w1280.jpg",
"https://ap.rdcpix.com/72ebbdf64df4ea763e78c707883daff1l-m3957961759s-w1280.jpg",
"https://ap.rdcpix.com/72ebbdf64df4ea763e78c707883daff1l-m2488559554s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 30.83,
"monthly_cash_flow": 739.07,
"property_tax_rate": 0.009899999999999999,
"_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": "Fuel type 'electric' was selected based on 'Baseboard' heating listed in the property details. The value is for a 2-bedroom unit.",
"utility": "Heating",
"allowance": 67
},
{
"note": "Fuel type 'electric' was inferred. The property lists an unspecified 'Water Heater', but other major systems (heating and cooking) are electric, making electric the most likely fuel. The value is for a 2-bedroom unit.",
"utility": "Water Heating",
"allowance": 33
},
{
"note": "Fuel type 'electric' was selected based on the 'Electric Oven' listed in the property's appliances. The value is for a 2-bedroom unit.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "This is a standard allowance for general electrical use (lights, outlets) in an electrified property, based on a 2-bedroom unit.",
"utility": "Other Electric",
"allowance": 32
},
{
"note": "Trash collection is assumed to be a tenant expense as it is a standard utility for a single-family home and not stated otherwise. The allowance amount is fixed.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned and an allowance is provided according to the schedule for a 2-bedroom unit.",
"utility": "Tenant-Supplied Refrigerator",
"allowance": 8
}
],
"cash_on_cash_return": 0.33,
"down_payment_amount": 26980.0,
"property_tax_annual": 232.78,
"property_tax_monthly": 19.4,
"property_tax_increase": 0.03,
"utility_allowance_total": 176.0,
"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": 252.89,
"property_management_monthly": 87.7,
"monthly_cash_flow_after_debt": 21.07,
"cash_on_cash_return_after_debt": 0.01
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and listing remarks, this 2BR/1BA single-family home appears to be in generally good condition with a newer metal roof, replacement windows and recent interior updates noted in the listing. Visible issues are largely cosmetic (shed paint, shrubbery, minor drainage puddles). Because interior systems (smoke/CO detectors, HVAC operation, electrical panel condition, GFCI outlets, hot water, plumbing) are not documented in photos, there is moderate risk that an initial HCV/NSPIRE inspection will require minor to moderate fixes. With a short interior check and verification/installation of required detectors and GFCI, this property is likely to pass after typical pre-rental work (estimated rent-ready timeline: within 2–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Exterior photos show a well-kept single-story home with recent-looking metal roof, intact siding, replacement windows (listing), and a tidy overall appearance. Landscaping is basic; shrubs need trimming and sheds show peeling paint and minor wood deterioration. Front stoop is small but intact. Listing notes 'brand new flooring throughout' and 'some new fixtures' which, if correct, reduce interior cosmetic needs. Missing interior photos prevent confirmation of appliance condition; however missing appliances alone would not be a critical failure. Overall visible deferred maintenance is minor and mostly cosmetic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible: no collapsed ceilings, no major foundation displacement, no visible mold, and no large exterior structural sag. Exterior power/service lines and an antenna tower are visible but not visibly damaged. There is no evidence in photos of exposed wiring or missing guardrails. However interior-required items (smoke/CO detectors, GFCI outlets in kitchen/bathrooms, functioning hot water, deadbolt on entry door, egress window sizing) cannot be confirmed from exterior photos. Front entry has a low stoop without a handrail, which is usually acceptable for 1–2 steps but should be verified. Because required detectors and interior electrical safety features are unknown, there is moderate risk for citation without a brief interior check."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof/HVAC/electrical/plumbing)",
"score": 60.0,
"rationale": "Roof appears to be metal and in good visible condition (listing confirms metal roof), which is a positive for near-term roof integrity. Exterior plumbing gutters/downspouts are present. There is no visible HVAC equipment (exterior condenser) in photos and no interior mechanicals shown—common in listing photos—so heating/cooling, water heater, and interior plumbing status are unverified. Electrical service appears to be overhead to the structure; the electrical panel and its condition are not visible. Given the age of the house (1963) but the listing's mention of replacement windows and new flooring, likely systems are serviceable but unconfirmed; therefore score reflects uncertainty and potential need for basic system checks/servicing."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 75.0,
"rationale": "The property sits on large acreage (1.52 acres) and photos show a level yard, functioning driveway/circle drive, two storage sheds and a large two-car garage. Gutters and downspouts are present. Some standing meltwater/puddling in the driveway suggests localized drainage issues that should be addressed but are not severe. Sheds show exterior paint failure and minor base rot. Trees are close to the house and should be monitored for root or branch risk. Overall the exterior/site is serviceable with routine maintenance."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statement 'brand new flooring throughout' and 'replacement windows' is accurate and interior cosmetic issues are minimal.",
"A functional heating system is present (typical for an occupied Ohio home) though not visible in exterior photos.",
"No major interior electrical hazards or plumbing leaks exist unless discovered on interior inspection; exterior photos show no evidence of active water intrusion.",
"Smoke and carbon monoxide detectors, GFCI protection in kitchen/bath, and functioning hot water are not visible in photos and will need verification prior to lease.",
"Garage door and main entry door are operable though deadbolt presence is unconfirmed.",
"Antenna tower and overhead service are intact and properly installed; no visible damage to electrical service on photos."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This single-family property presents as broadly rent-ready with a recently replaced metal roof, replacement windows and listing-reported interior updates (new flooring, some fixtures). Exterior and site are serviceable; sheds are weathered. Major unknowns that affect NSPIRE pass likelihood are interior safety devices (smoke/CO detectors), proof of working heating and hot water, GFCI protection in kitchen/bath, and bedroom egress sizes. If the listed interior updates are present and mechanical systems (heating, hot water, electrical) are operational, the property is likely to pass an initial HCV/NSPIRE inspection after addressing a few minor items (install/verify detectors, remediate peeling paint on outbuilding or document lead disclosure, correct any GFCI issues). Estimated readiness: minor repairs and paperwork likely required; achievable within 1–4 weeks pending system verification.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show an intact metal roof, replacement windows and overall sound siding with only minor cosmetic wear. Listing states 'brand new flooring throughout' and 'some new fixtures' which reduces interior cosmetic risk. Garage and driveway appear serviceable. Minor exterior items observed: peeling paint on detached sheds, weathered small deck and some trim wear. No visible collapsed soffits, broken windows, or major exterior structural damage. Missing interior appliance status not visible; assuming typical condition with possible moderate appliance updates required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No life-threatening hazards visible (no collapsed ceilings, no standing interior water). Exterior shows functioning gutters/downspouts and level roofline. Key NSPIRE items cannot be confirmed from photos: smoke/CO detectors, GFCI outlets, bedroom egress dimensions, presence of deadbolt locks. Observed hazards: tall metal antenna tower (rusted ladder) on the property that may present an access/fall/electrical hazard if not secured; puddling in driveway near foundation indicates some drainage that could lead to moisture issues. Peeling paint on outbuildings raises potential lead-risk disclosure requirements (house built 1963). Because required safety devices and egress cannot be confirmed, there is moderate inspection risk until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Electrical, Plumbing)",
"score": 60.0,
"rationale": "Roof appears recently replaced with metal roofing (listing confirms metal roof) and shows no visible sagging or active leaks. Replacement windows reduce HVAC and envelope load. No exterior HVAC condenser or furnace is visible in photos; presence and operational status of heating, cooling, water heater and electrical panel could not be confirmed from images. Electrical service and meter are visible on the side elevation and appear intact; no exposed wiring seen. Because mechanical systems are not verifiable from photos, assign moderate score subject to functional verification of heating, hot water, and electrical panel/GFCI function."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large 1.52-acre lot appears well-kept with mature trees, circle drive and usable yard. Two outbuildings/sheds present — one with peeling paint and weathered roof but structurally intact; the other also weathered. Walkways and driveway show minor puddling and mud but no major trip hazards or collapsed surfaces. Small side deck looks aged and may require minor repairs or railing depending on height. Overall site is functional and not severely neglected."
}
],
"red_flags": [
"Tall metal antenna tower with exposed ladder — potential fall/access hazard if unsecured.",
"No visible exterior HVAC condenser or obvious heating equipment in photos — heating/hot water status must be verified.",
"Peeling paint on detached shed(s) — potential lead-paint risk for pre-1978 property.",
"Puddling/standing water near driveway/foundation areas — possible drainage/moisture concern needing verification."
],
"confidence": 0.6,
"assumptions": [
"Listing statement that the home has 'brand new flooring throughout' and 'replacement windows' is accurate and representative of unit interior condition.",
"Heating and hot water systems are present and functional (not visible in photos); if absent or nonfunctional this would reduce scores materially.",
"Smoke and carbon monoxide detectors, GFCI outlets, and deadbolt locks are not visible in photos and should be confirmed or installed prior to inspection.",
"Bedrooms have typical egress windows; egress sizing is unconfirmed and should be verified during interior inspection.",
"Peeling paint observed is primarily on detached outbuildings; main house siding appears intact but lead-based paint risk applies due to 1963 construction and must be disclosed/assessed."
],
"overall_score": 67.0,
"rubric_version": "2026-02_hud-nspire_v1"
},
{
"summary": "Based on exterior photos and the listing description, this 2-bed/1-bath ranch appears largely rent-ready with a new metal roof, replacement windows and recent interior flooring (per listing). Visible conditions suggest only minor repairs and normal pre-occupancy items. However multiple NSPIRE-critical items cannot be confirmed from photos (smoke/CO detectors, GFCI, heating operation, hot water, bedroom egress and interior electrical/plumbing). Likely pass probability: moderate — expect a Section 8 / HCV inspector to require documented working smoke detectors/CO alarm(s), verification of a working heating system and hot water, and possible small fixes such as installing or repairing handrails, replacing or repairing peeling paint on the outbuilding if it creates a lead-paint hazard, and installing/labeling GFCI outlets if missing. With 1–2 typical service calls and small safety installations the property should be rent‑ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Exterior photos and listing note a recently installed metal roof, replacement windows, and 'brand new flooring throughout.' House siding appears intact with only minor cosmetic wear; shrubs need trimming and the two backyard sheds show peeling paint and weathering. No visible collapsed or missing elements. Missing interior photos prevent verification of kitchen/bath appliance condition; however missing appliances alone would be a moderate, not catastrophic, issue. Overall condition indicates minor-to-moderate cosmetic work only."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 65.0,
"rationale": "No immediate life‑threatening hazards visible (no sagging roof, no collapsed elements, no visible standing water adjacent to foundation other than seasonal melt). However critical safety items are not visible in photos: smoke and carbon monoxide detectors, GFCI receptacles in kitchen/bath, bedroom egress windows, and interior stair/handrail condition. The front entry has a small stoop without a handrail (potential fail depending on riser count), and there is an external tall antenna tower which could present a hazard if not secured. The visible electrical meter and conduit appear intact. Because several NSPIRE-required safety items cannot be confirmed from the photos, a cautious moderate score is appropriate."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 60.0,
"rationale": "Roof appears to be metal and in good condition per photos/listing (positive). Exterior shows utility service and meter; no obvious exposed electrical hazards. No exterior HVAC condenser is visible (may be heating-only system or interior equipment). Water heater, furnace, heating operation, and hot water cannot be confirmed from photos; age of home (1963) raises the need for system verification despite recent updates. Given good roof and windows but unknown operational status of heating, hot water and plumbing, assign a moderate score pending verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Large corner lot with circle drive, two sheds, and reasonable yard grading. Driveway is gravel with some seasonal puddling but no obvious chronic standing water problems visible. Gutters and downspouts are present. One shed shows significant peeling paint and weathering; landscaping maintenance needed (trim shrubs). No visible foundation cracks or exterior structural sagging from photos. Overall site is functional with minor maintenance needs."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms shown in photos — inspector will require functioning, properly located alarms.",
"Peeling paint on accessory shed(s) — potential lead-paint hazard on pre-1978 property surfaces (house built 1963); needs evaluation and repair if flaking paint is present on primary dwelling surfaces.",
"Front entry has no handrail on the stoop — possible code failure if riser count/height exceeds allowable threshold."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that windows were replaced and flooring is brand new is accurate and interior cosmetic condition is generally good.",
"There is a functioning central heating system and water heater inside the house (not visible in exterior photos).",
"No active roof leaks or major hidden water damage exist because roofline looks straight and roof is described as metal/new.",
"Electrical service and panel are intact and meet basic safety (meter and conduit visible and appear undamaged).",
"Bedroom egress windows meet code or are replacement windows consistent with the listing; this must be confirmed during inspection.",
"Front entry stoop is a single or two-step approach (no excessive riser height), but lacks a handrail and may require one depending on inspector measurement.",
"Peeling paint is limited to outbuildings and not widespread on the home's primary living surfaces (no obvious peeling on house siding in photos)."
],
"overall_score": 70.0,
"rubric_version": "2026-02-24-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "23960 First St, Cloverdale, OH, 45827",
"aggregate": {
"summary": "Based on exterior photos and listing remarks, this 2BR/1BA single-family home appears to be in generally good condition with a newer metal roof, replacement windows and recent interior updates noted in the listing. Visible issues are largely cosmetic (shed paint, shrubbery, minor drainage puddles). Because interior systems (smoke/CO detectors, HVAC operation, electrical panel condition, GFCI outlets, hot water, plumbing) are not documented in photos, there is moderate risk that an initial HCV/NSPIRE inspection will require minor to moderate fixes. With a short interior check and verification/installation of required detectors and GFCI, this property is likely to pass after typical pre-rental work (estimated rent-ready timeline: within 2–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 77.7,
"rationale": "Exterior photos show a well-kept single-story home with recent-looking metal roof, intact siding, replacement windows (listing), and a tidy overall appearance. Landscaping is basic; shrubs need trimming and sheds show peeling paint and minor wood deterioration. Front stoop is small but intact. Listing notes 'brand new flooring throughout' and 'some new fixtures' which, if correct, reduce interior cosmetic needs. Missing interior photos prevent confirmation of appliance condition; however missing appliances alone would not be a critical failure. Overall visible deferred maintenance is minor and mostly cosmetic."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 73.3,
"rationale": "The property sits on large acreage (1.52 acres) and photos show a level yard, functioning driveway/circle drive, two storage sheds and a large two-car garage. Gutters and downspouts are present. Some standing meltwater/puddling in the driveway suggests localized drainage issues that should be addressed but are not severe. Sheds show exterior paint failure and minor base rot. Trees are close to the house and should be monitored for root or branch risk. Overall the exterior/site is serviceable with routine maintenance."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 63.3,
"rationale": "No obvious life‑threatening hazards visible: no collapsed ceilings, no major foundation displacement, no visible mold, and no large exterior structural sag. Exterior power/service lines and an antenna tower are visible but not visibly damaged. There is no evidence in photos of exposed wiring or missing guardrails. However interior-required items (smoke/CO detectors, GFCI outlets in kitchen/bathrooms, functioning hot water, deadbolt on entry door, egress window sizing) cannot be confirmed from exterior photos. Front entry has a low stoop without a handrail, which is usually acceptable for 1–2 steps but should be verified. Because required detectors and interior electrical safety features are unknown, there is moderate risk for citation without a brief interior check."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof/HVAC/electrical/plumbing)",
"score": 60.0,
"rationale": "Roof appears to be metal and in good visible condition (listing confirms metal roof), which is a positive for near-term roof integrity. Exterior plumbing gutters/downspouts are present. There is no visible HVAC equipment (exterior condenser) in photos and no interior mechanicals shown—common in listing photos—so heating/cooling, water heater, and interior plumbing status are unverified. Electrical service appears to be overhead to the structure; the electrical panel and its condition are not visible. Given the age of the house (1963) but the listing's mention of replacement windows and new flooring, likely systems are serviceable but unconfirmed; therefore score reflects uncertainty and potential need for basic system checks/servicing."
}
],
"red_flags": [],
"confidence": 0.93,
"assumptions": [
"Listing statement 'brand new flooring throughout' and 'replacement windows' is accurate and interior cosmetic issues are minimal.",
"A functional heating system is present (typical for an occupied Ohio home) though not visible in exterior photos.",
"No major interior electrical hazards or plumbing leaks exist unless discovered on interior inspection; exterior photos show no evidence of active water intrusion.",
"Smoke and carbon monoxide detectors, GFCI protection in kitchen/bath, and functioning hot water are not visible in photos and will need verification prior to lease.",
"Garage door and main entry door are operable though deadbolt presence is unconfirmed.",
"Antenna tower and overhead service are intact and properly installed; no visible damage to electrical service on photos."
],
"score_method": "mean_of_criteria",
"overall_score": 68.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3981290991"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.