Property ID: 3995458561

1037 Fishlock Ave, Findlay, OH, 45840

Findlay, OH

For Sale Feb 19, 2026 06:28 AM UTC Realtor Zillow Street View Rent Zestimate
Money Down: $26,880 CoC Return: 3.97% Monthly Cash Flow: $89
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,400
Closing Costs
$4,480
Total Down
$26,880
Primary property image

Investment Snapshot

Purchase Price
$112,000
Money Down
$26,880
Cash-on-Cash Return
3.97%
Rent
$916
Monthly Cash Flow
$89
Annual Cash Flow
$1,068
Debt Service / Mo
$596
Property Tax / Mo
$90
Insurance / Mo
$50

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$916
Payment Standard
$1,127
Rent
$916
Insurance
$50
Property Tax
$90
Management
$92
Utilities Allowance
$211
NOI (Monthly)
$685
Debt Service
$596
Cash Flow After Debt
$89

Quality Score: 68.50%

Confidence: 86.00%

This 2-bed, 1-bath home presents as mostly turnkey for a Housing Choice Voucher inspection with only minor, addressable items. Strengths: newer metal roof, included kitchen appliances and main-floor laundry, intact hardwood floors, and apparent central HVAC vents. Likely inspection items to correct: install/verify carbon monoxide detector (if required), confirm/replace missing GFCI outlets in kitchen/bath, repair/secure porch steps and handrail, and verify operation of heating, hot water, and electrical panel. With these limited corrections and verification of systems, the property is likely to pass an initial NSPIRE/HCV inspection and be rent-ready within 1–4 weeks.

Section 8 Payment Standard
$1,127
Utility Allowance Total
$211
Guaranteed Section 8 Rent (PS - Utilities)
$916
Property Management
$92

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$112,000
Beds
2
Baths
1
Living Area
978 sqft
Lot Size
16,248 sqft
Year Built
1900
Days on Market
127
Capital Outlay
$26,880
Debt Service
$596
Property Tax / Mo
$90
Insurance / Mo
$50

Property Description

Larger than it looks! This 2-bed, 1-bath ranch sits on a spacious corner double lot and features main-floor laundry, included appliances, and a newer metal roof. The oversized detached building offers room for vehicles, storage, or workshop space. Immediate possession available, and the new homeowner can rest easy with a 12-month home warranty from America's Preferred Home Warranty, Inc. Located near the fairgrounds, perfect for watching the 4th of July fireworks! Call your agent soon, this home won't last long.

Utility Allowances

Heating
$61
Selected 'natural_gas' based on property details explicitly stating 'Heating Fuel: Gas'.
Cooking
$11
Selected 'electric' as property details mention 'Electric Range Connection' and photos show an electric stove.
Water Heating
$27
Selected 'natural_gas' as it is the most common and cost-effective option when natural gas is available for heating.
Water
$26
Applied fixed allowance. Property details list 'Water Source: Public'.
Sewer
$29
Applied fixed allowance. Property details list 'Sewer: Public Sewer'.
Trash Collection
$25
Applied fixed allowance as this is a standard tenant-paid utility for a single-family home.
Other Electric
$32
Applied fixed allowance for general electric use (lights, outlets, etc.).
Air Conditioning
$0
Allowance is $0 as the property details state 'Cooling: None' and the schedule has no allowance for it.
Refrigerator (Tenant-Supplied)
$0
Allowance is $0 as property details confirm a 'Refrigerator' is included.
Range (Tenant-Supplied)
$0
Allowance is $0 as property details confirm a 'Range' is included.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$581
DP3 Annual Estimate$608
DP1 Monthly Equivalent$48
DP3 Monthly Equivalent$51
Replacement Value$71,020
Basis978 sqft / 1900

Nearby Houses

Nearby house 1
Photo unavailable

1017 Fishlock Ave

sold · 0.03 mi
Price: $329,900
3 bd / 3 ba · 2,100 sqft
Latest sale: $329,900 on Jun 09, 2023
Latest rent: —
Photo unavailable

1120 1st St

sold · 0.03 mi
Price: $111,000
3 bd / 2 ba · 1,705 sqft
Latest sale: $111,000 on Feb 22, 2019
Latest rent: —
Nearby house 3
Photo unavailable

1026 Fishlock Ave

sold · 0.04 mi
Price: $190,000
3 bd / 2 ba · 1,318 sqft
Latest sale: $190,000 on Oct 28, 2025
Latest rent: —
Nearby house 4
Photo unavailable

1108 Fishlock Ave

sold · 0.06 mi
Price: $185,000
— bd / — ba · 2,232 sqft
Latest sale: $185,000 on Dec 28, 2022
Latest rent: $1,395 on Nov 01, 2024
Nearby house 5
Photo unavailable

1105 1st St

sold · 0.06 mi
Price: $105,000
3 bd / 2 ba · 1,512 sqft
Latest sale: $105,000 on Dec 04, 2024
Latest rent: —
Nearby house 6
Photo unavailable

1200 1st St

for_sale · 0.08 mi
Price: $313,500
3 bd / 2 ba · 1,744 sqft
Latest sale: $257,250 on May 19, 2023
Latest rent: —
Nearby house 7
Photo unavailable

1130 Hummingbird Way

sold · 0.08 mi
Price: $268,500
3 bd / 2 ba · 1,495 sqft
Latest sale: $268,500 on Mar 17, 2022
Latest rent: —
Nearby house 8
Photo unavailable

1120 Hummingbird Way

sold · 0.10 mi
Price: $217,025
3 bd / 2 ba · 1,644 sqft
Latest sale: $217,025 on Jan 15, 2018
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Listing statement and exterior photo indicating a newer metal roof are accurate and the roof is watertight.
  • Central heating/AC exists and is connected because floor/ceiling registers and vents are visible, though the actual unit is not photographed.
  • Water heater and electrical panel are present and functional though not shown in photos; no visible signs of active leaks or electrical hazards inside.
  • Bedrooms have operable windows that likely meet egress but exact egress sizing cannot be confirmed from photos.
  • Appliances shown (electric range, refrigerator, washer/dryer) are included and functional as stated in the listing.
  • No concealed severe issues (major mold, structural foundation movement, or active roof leak) are present because photos show no visual indicators; however older 1900-built property increases probability of hidden issues slightly.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,046 $84,160 $29,460
2023 $1,052 $84,160 $29,460
2022 $1,044 $84,160 $29,460
2021 $831 $58,250 $20,388
2020 $851 $58,250 $20,388
2018 $791 $50,650 $17,728
2017 $791 $50,650 $17,728
2016 $794 $50,650 $17,728
2015 $604 $38,420 $13,447
2014 $604 $38,420 $13,447
2013 $605 $38,420 $13,447
2012 $599 $37,840 $13,240
2011 $598 $37,840 $13,240
2010 $598 $37,840 $13,240
2009 $591 $39,470 $13,810
2008 $535 $39,470 $13,810
2007 $533 $39,470 $13,810

Sale History

DateEventPrice
2025-12-03 Listed $112,000
2025-12-03 Listed $112,000
2025-12-01 Listing removed $0
2025-12-01 Listing removed $112,000
2025-10-20 Price Changed $112,000
2025-10-20 Price Changed $112,000
2025-09-08 Price Changed $121,500
2025-09-08 Price Changed $121,500
2025-07-30 Price Changed $127,000
2025-07-30 Price Changed $127,000
2025-05-16 Listed $135,000
2025-05-16 Listed $135,000
2021-07-23 Sold $60,000
2021-06-07 Price Changed $67,500
2021-06-07 Price Changed $67,500
2021-05-20 Listed $69,900
2021-05-20 Listed $69,900
2004-11-22 Sold $171,820
1991-08-30 Sold $33,000

Photo Gallery

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    "reason": "disabled",
    "enabled": false
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    "reason": "success",
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    "min_score": 60.0,
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    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/1037-Fishlock-Ave_Findlay_OH_45840_M39954-58561",
    "bedroom_count": 2,
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    "annual_cash_flow": 8220.92,
    "mortgage_monthly": 596.11,
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    "_utility_allowance": {
      "sources": [
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      ],
      "effective_date": "2025-08-01"
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      {
        "note": "Selected 'natural_gas' based on property details explicitly stating 'Heating Fuel: Gas'.",
        "utility": "Heating",
        "allowance": 61
      },
      {
        "note": "Selected 'electric' as property details mention 'Electric Range Connection' and photos show an electric stove.",
        "utility": "Cooking",
        "allowance": 11
      },
      {
        "note": "Selected 'natural_gas' as it is the most common and cost-effective option when natural gas is available for heating.",
        "utility": "Water Heating",
        "allowance": 27
      },
      {
        "note": "Applied fixed allowance. Property details list 'Water Source: Public'.",
        "utility": "Water",
        "allowance": 26
      },
      {
        "note": "Applied fixed allowance. Property details list 'Sewer: Public Sewer'.",
        "utility": "Sewer",
        "allowance": 29
      },
      {
        "note": "Applied fixed allowance as this is a standard tenant-paid utility for a single-family home.",
        "utility": "Trash Collection",
        "allowance": 25
      },
      {
        "note": "Applied fixed allowance for general electric use (lights, outlets, etc.).",
        "utility": "Other Electric",
        "allowance": 32
      },
      {
        "note": "Allowance is $0 as the property details state 'Cooling: None' and the schedule has no allowance for it.",
        "utility": "Air Conditioning",
        "allowance": 0
      },
      {
        "note": "Allowance is $0 as property details confirm a 'Refrigerator' is included.",
        "utility": "Refrigerator (Tenant-Supplied)",
        "allowance": 0
      },
      {
        "note": "Allowance is $0 as property details confirm a 'Range' is included.",
        "utility": "Range (Tenant-Supplied)",
        "allowance": 0
      }
    ],
    "cash_on_cash_return": 0.37,
    "down_payment_amount": 22400.0,
    "property_tax_annual": 1077.38,
    "property_tax_monthly": 89.78,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 211.0,
    "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": 2024,
    "annual_cash_flow_after_debt": 1067.59,
    "property_management_monthly": 91.6,
    "monthly_cash_flow_after_debt": 88.97,
    "cash_on_cash_return_after_debt": 0.05
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This 2-bed, 1-bath home presents as mostly turnkey for a Housing Choice Voucher inspection with only minor, addressable items. Strengths: newer metal roof, included kitchen appliances and main-floor laundry, intact hardwood floors, and apparent central HVAC vents. Likely inspection items to correct: install/verify carbon monoxide detector (if required), confirm/replace missing GFCI outlets in kitchen/bath, repair/secure porch steps and handrail, and verify operation of heating, hot water, and electrical panel. With these limited corrections and verification of systems, the property is likely to pass an initial NSPIRE/HCV inspection and be rent-ready within 1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 78.0,
            "rationale": "Interior and finishes appear largely intact: original hardwood floors in fair/good condition, intact windows, ceiling panels present, and kitchen appliances are included. Visible cosmetic issues: scuffed/aged cabinet faces, some cabinet edge damage, worn porch steps, minor trim/paint wear, and finishes that look dated. No evidence of collapsed ceilings, exposed subfloor, or major interior water damage in photos. Missing or worn cosmetic items would be easy/low-cost to fix; missing appliances are not an issue here since images show stove, refrigerator, and laundry. Overall condition suggests only minor/cosmetic repairs to reach tenant-ready condition."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 65.0,
            "rationale": "Positive: a smoke detector is visible in living area; entry door appears secure; no obvious exposed wiring, no standing water, and interior floors are even without trip hazards visible. Concerns: no carbon monoxide alarm is visible (property likely has gas service equipment at exterior), GFCI protection in the kitchen/bath not visible and may be missing, porch steps/railings look mechanically marginal (one side has a temporary wooden brace), small horizontal window on front elevation may be questionable as a bedroom egress in one room. Because these items are common inspection fail points (CO detector, GFCI outlets, secure handrails/guard), there is moderate risk the unit would need small-scope corrections before passing NSPIRE."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems & mechanical condition",
            "score": 70.0,
            "rationale": "Roof reported as newer metal (listing) and photos show a metal roof in good visual condition. Interior registers and ceiling vents are present indicating central HVAC/forced-air distribution. Kitchen plumbing (double sink) and appliances are present. Washer/dryer hookups and units are shown in main-floor laundry. Missing direct evidence: water heater, furnace/boiler, and electrical panel are not pictured so operation is assumed but not verified. No visible signs of active leaks, major drainage problems, or system failures. Given visible newer roof and functioning-looking vents/appliances, systems appear serviceable but should be confirmed (HVAC, water heater, electrical panel) prior to tenancy."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope & site",
            "score": 75.0,
            "rationale": "Exterior siding appears intact with generally solid foundation line and visible foundation vents; driveway and corner lot provide adequate access. Yard shows some overgrown grass and cosmetics. Porch steps show wear and a makeshift brace; paint peeling at porch base. Detached oversize outbuilding is reported (positive asset) though not shown in detail. No visible foundation settlement, major siding failure, or roof sagging in provided exterior photo."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Listing statement and exterior photo indicating a newer metal roof are accurate and the roof is watertight.",
          "Central heating/AC exists and is connected because floor/ceiling registers and vents are visible, though the actual unit is not photographed.",
          "Water heater and electrical panel are present and functional though not shown in photos; no visible signs of active leaks or electrical hazards inside.",
          "Bedrooms have operable windows that likely meet egress but exact egress sizing cannot be confirmed from photos.",
          "Appliances shown (electric range, refrigerator, washer/dryer) are included and functional as stated in the listing.",
          "No concealed severe issues (major mold, structural foundation movement, or active roof leak) are present because photos show no visual indicators; however older 1900-built property increases probability of hidden issues slightly."
        ],
        "overall_score": 72.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This 2-bed single-family appears generally serviceable with a newer metal roof, included appliances, main-floor laundry and intact interior finishes. Primary issues for an initial HCV/NSPIRE inspection are safety-related: deteriorated front porch steps/rail and trip hazards, and a lack of visible verification for CO alarm and GFCI protection. Major systems (furnace, water heater, electrical panel) are not pictured so their operational status should be confirmed. With targeted safety repairs (repair/replace front steps & secure handrail), verification/installation of required alarms/GFCI outlets if missing, and minor cosmetic touch-ups, the property is likely to pass an initial HCV inspection within ~2–6 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 72.0,
            "rationale": "Interior photos show mostly intact finishes: hardwood floors in fair-to-good condition, painted walls, working ceiling fans and included appliances. Kitchen cabinets and countertops are dated with some damaged trim at cabinet ends and missing kickplate; ceiling panels show patched/uneven areas. Exterior porch steps and concrete are crumbling and need repair. Main-floor laundry and included appliances reduce severity of missing-capital-items. Overall mostly cosmetic and minor carpentry/finish work required."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 65.0,
            "rationale": "Smoke detector visible on interior wall; two round devices visible that suggest smoke/CO coverage but CO alarm presence is not certain. Windows present in sleeping areas suggesting egress likely adequate. No obvious exposed wiring or electrical hazards in photos. Front porch steps are deteriorated and railing appears loose — a clear occupant safety hazard and likely flagged on inspection. GFCI outlets in kitchen/bath not visible; if absent this would require correction. No visible active leaks, major mold or structural collapse in photos."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems / Mechanical Condition",
            "score": 60.0,
            "rationale": "Listing notes a newer metal roof and photos show a recent metal roof — positive for roof integrity. Floor vents visible indicating forced-air HVAC distribution, but no furnace/air-handler or water heater pictured so operational status is assumed but not verified. Plumbing fixtures (kitchen sink) appear functional; main-floor washer/dryer present. Electrical panel and water heater not shown. Given age (1900) and limited system visibility, moderate risk remains until service records or equipment photos are provided."
          },
          {
            "key": "exterior_site",
            "label": "Exterior / Site Condition",
            "score": 60.0,
            "rationale": "Exterior siding and windows appear serviceable; large corner lot and detached outbuilding present. Front porch concrete is crumbling and the front walkway shows wear/overgrowth creating trip hazards. Foundation vents visible and no obvious major foundation displacement seen in photos, but full foundation inspection not available. Yard maintenance is needed but not severe."
          }
        ],
        "red_flags": [
          "Deteriorated front porch steps and loose/unstable handrail — unsafe stairs that can cause inspection failure until repaired.",
          "Trip hazards: cracked/uneven front walkway and overgrown path to entry.",
          "Carbon monoxide alarm not clearly identifiable in photos while property has visible gas service (gas meter) — absence would fail inspection if not provided.",
          "GFCI protection in kitchen/bath not visible; missing GFCI outlets near sink would need correction."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Listing text stating 'newer metal roof' is accurate and the metal roof visible in photos is in good condition and watertight.",
          "Included appliances (stove, refrigerator, washer/dryer) are operational as listed; stove is electric (photos show an electric range).",
          "Forced-air HVAC is present and operational (floor vents observed) though the furnace/air handler and water heater were not photographed.",
          "Bedrooms have required egress windows (windows visible in sleeping-size rooms); no basement or severe foundation movement exists beyond what photos show.",
          "No active interior plumbing leaks or severe mold are present beyond what is visible in the photos.",
          "Smoke alarm(s) shown are installed and functioning; presence of a carbon monoxide alarm is uncertain and not confirmed in photos."
        ],
        "overall_score": 65.0,
        "rubric_version": "2026-02-NSPIRE-1.0"
      },
      {
        "summary": "This 2-bed ranch is generally in rentable condition with a newer metal roof, included appliances, main-floor laundry and intact interior finishes. Likely to pass NSPIRE/HUD initial inspection after addressing a few targeted items: repair/replace the damaged porch steps/handrail (safety failure if left), confirm bedroom egress sizing, verify smoke/CO placement and GFCI protection, and document resolution of past ceiling/water issues. Expect minor repairs and code verifications (30 days or less) before voucher inspection readiness.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 75.0,
            "rationale": "Interior finishes are generally intact: solid-looking hardwood floors, painted walls, functioning kitchen appliances visible, and main-floor laundry present. Observable deferred/cosmetic items include chipped porch concrete, spalled porch steps, damaged/temporary boarding on one stair railing, worn cabinet edges and counter edge damage, and some ceiling patching. Appliances are present so missing-appliance penalty not applied. Overall cosmetic work and a few localized repairs required but no widespread deferred-maintenance observed."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risks",
            "score": 60.0,
            "rationale": "Positive: wall-mounted detectors (smoke/CO-looking devices) are visible near entry and windows appear operable. Concerns: porch steps and railing are compromised (unsafe stairs/broken handrail), at least one small interior room/bedroom window appears undersized for egress and may fail bedroom egress requirements, signs of ceiling patching/staining indicate past water intrusion (needs verification for active leaks or mold), GFCI protection in kitchen/bath not visible, and property was built in 1900 so presumed lead-paint risk until tested. No exposed live wiring observed in photos. These mixed findings create moderate NSPIRE risk that should be corrected before inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (HVAC, electrical, plumbing, roof)",
            "score": 65.0,
            "rationale": "Strengths: listing and photos show a newer metal roof (explicitly stated + visible), and interior floor/grille vents indicate forced-air distribution. Kitchen plumbing and washer hookups are visible; full-size range and refrigerator present. Unknowns: no furnace, water heater, or electrical panel are shown (condition/age unknown), GFCI/AFCI presence not verifiable, and ceiling patches suggest prior plumbing or roof issues that should be confirmed resolved. Based on visible positives and unverified critical items, assign a moderate score pending system verification."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope & site",
            "score": 70.0,
            "rationale": "Exterior shows intact siding and a newer metal roof; detached oversized outbuilding is described (not fully photographed) which is an asset. Negative: front porch concrete is spalled, handrail/guard is damaged, walkway/yard maintenance is poor (overgrown in spots), and paint/trim show aging consistent with a 1900 build. Crawlspace vents and a gas meter are visible and appear correctly installed. Overall the exterior is serviceable but needs modest repairs and cleanup."
          }
        ],
        "red_flags": [
          "Broken/loose porch handrail and spalled front steps creating an unsafe stairs / trip hazard (must be repaired).",
          "Potential inadequate bedroom egress — at least one interior room window appears small and may not meet emergency egress requirements.",
          "Property built in 1900 — presumed lead-based paint hazard until tested and mitigated if required.",
          "Ceiling patching/staining visible in interior photos — indicates prior water intrusion that needs inspection to confirm no active leaks or mold."
        ],
        "confidence": 0.7,
        "assumptions": [
          "HVAC (forced-air) system is present and operational (floor vents visible) but not imaged; its operational status has been assumed but should be verified.",
          "Water heater and main plumbing are present and functional though not pictured; hot water functionality is assumed.",
          "Appliances shown (stove, refrigerator, washer/dryer) are included and operational per listing photos/description.",
          "Smokers/CO detectors visible in photos are functional; their locations meet code only after installer verification.",
          "Detached oversized building/garage exists as listed but condition and safety features were not fully photographed and are assumed serviceable.",
          "Because the home was built in 1900, lead-based paint is assumed present until testing confirms otherwise.",
          "No active roof leaks observed in photos; visible ceiling patching suggests past leaks that are assumed repaired but require confirmation.",
          "Electrical panel condition, AFCI/GFCI protection and grounding were not imaged and are unknown."
        ],
        "overall_score": 68.0,
        "rubric_version": "2026-02-hud-nspire-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "1037 Fishlock Ave, Findlay, OH, 45840",
    "aggregate": {
      "summary": "This 2-bed, 1-bath home presents as mostly turnkey for a Housing Choice Voucher inspection with only minor, addressable items. Strengths: newer metal roof, included kitchen appliances and main-floor laundry, intact hardwood floors, and apparent central HVAC vents. Likely inspection items to correct: install/verify carbon monoxide detector (if required), confirm/replace missing GFCI outlets in kitchen/bath, repair/secure porch steps and handrail, and verify operation of heating, hot water, and electrical panel. With these limited corrections and verification of systems, the property is likely to pass an initial NSPIRE/HCV inspection and be rent-ready within 1–4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Visible condition & repairs",
          "score": 75.0,
          "rationale": "Interior and finishes appear largely intact: original hardwood floors in fair/good condition, intact windows, ceiling panels present, and kitchen appliances are included. Visible cosmetic issues: scuffed/aged cabinet faces, some cabinet edge damage, worn porch steps, minor trim/paint wear, and finishes that look dated. No evidence of collapsed ceilings, exposed subfloor, or major interior water damage in photos. Missing or worn cosmetic items would be easy/low-cost to fix; missing appliances are not an issue here since images show stove, refrigerator, and laundry. Overall condition suggests only minor/cosmetic repairs to reach tenant-ready condition."
        },
        {
          "key": "exterior_site",
          "label": "Exterior envelope & site",
          "score": 68.3,
          "rationale": "Exterior siding appears intact with generally solid foundation line and visible foundation vents; driveway and corner lot provide adequate access. Yard shows some overgrown grass and cosmetics. Porch steps show wear and a makeshift brace; paint peeling at porch base. Detached oversize outbuilding is reported (positive asset) though not shown in detail. No visible foundation settlement, major siding failure, or roof sagging in provided exterior photo."
        },
        {
          "key": "safety_code",
          "label": "Section 8 / NSPIRE safety & code risk",
          "score": 63.3,
          "rationale": "Positive: a smoke detector is visible in living area; entry door appears secure; no obvious exposed wiring, no standing water, and interior floors are even without trip hazards visible. Concerns: no carbon monoxide alarm is visible (property likely has gas service equipment at exterior), GFCI protection in the kitchen/bath not visible and may be missing, porch steps/railings look mechanically marginal (one side has a temporary wooden brace), small horizontal window on front elevation may be questionable as a bedroom egress in one room. Because these items are common inspection fail points (CO detector, GFCI outlets, secure handrails/guard), there is moderate risk the unit would need small-scope corrections before passing NSPIRE."
        },
        {
          "key": "systems_mechanical",
          "label": "Major systems & mechanical condition",
          "score": 65.0,
          "rationale": "Roof reported as newer metal (listing) and photos show a metal roof in good visual condition. Interior registers and ceiling vents are present indicating central HVAC/forced-air distribution. Kitchen plumbing (double sink) and appliances are present. Washer/dryer hookups and units are shown in main-floor laundry. Missing direct evidence: water heater, furnace/boiler, and electrical panel are not pictured so operation is assumed but not verified. No visible signs of active leaks, major drainage problems, or system failures. Given visible newer roof and functioning-looking vents/appliances, systems appear serviceable but should be confirmed (HVAC, water heater, electrical panel) prior to tenancy."
        }
      ],
      "red_flags": [],
      "confidence": 0.86,
      "assumptions": [
        "Listing statement and exterior photo indicating a newer metal roof are accurate and the roof is watertight.",
        "Central heating/AC exists and is connected because floor/ceiling registers and vents are visible, though the actual unit is not photographed.",
        "Water heater and electrical panel are present and functional though not shown in photos; no visible signs of active leaks or electrical hazards inside.",
        "Bedrooms have operable windows that likely meet egress but exact egress sizing cannot be confirmed from photos.",
        "Appliances shown (electric range, refrigerator, washer/dryer) are included and functional as stated in the listing.",
        "No concealed severe issues (major mold, structural foundation movement, or active roof leak) are present because photos show no visual indicators; however older 1900-built property increases probability of hidden issues slightly."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 68.5,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "3995458561"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.