Property ID: 4023631613
420 H St, Findlay, OH, 45840
Findlay, OH
Money Down: $35,976
CoC Return: -4.43%
Monthly Cash Flow: $-133
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$29,980
Closing Costs
$5,996
Total Down
$35,976
Investment Snapshot
Purchase Price
$149,900
Money Down
$35,976
Cash-on-Cash Return
-4.43%
Rent
$917
Monthly Cash Flow
$-133
Annual Cash Flow
$-1,594
Debt Service / Mo
$798
Property Tax / Mo
$121
Insurance / Mo
$40
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$917
Payment Standard
$1,127
Rent
$917
Insurance
$40
Property Tax
$121
Management
$92
Utilities Allowance
$210
NOI (Monthly)
$665
Debt Service
$798
Cash Flow After Debt
$-133
Quality Score: 66.00%
Confidence: 95.00%
Overall this 2-bed/1-bath single-family appears largely cosmetically updated and contains required appliances, making it a reasonable candidate for HCV tenancy after a short punch list. Primary near-term issues that should be corrected before inspection: install/verify smoke and CO alarms, replace/make-safe the front wooden steps and handrails, install missing outlet covers, and confirm GFCI protection in kitchen/bath. Mechanical systems (furnace, water heater, electrical panel) were not photographed and should be verified functional; address downspout drainage away from foundation. With these fixes (most are minor to moderate), property is likely rent-ready within 30 days.
Section 8 Payment Standard
$1,127
Utility Allowance Total
$210
Guaranteed Section 8 Rent (PS - Utilities)
$917
Property Management
$92
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$149,900
Beds
2
Baths
1
Living Area
927 sqft
Lot Size
6,098 sqft
Year Built
1945
Days on Market
83
Capital Outlay
$35,976
Debt Service
$798
Property Tax / Mo
$121
Insurance / Mo
$40
Property Description
Adorable and affordable two bedroom home in a perfect location right off of Tiffin Ave. This cozy home features a functional layout, a partial basement and a 2 car garage. Great opportunity for first time home buyers and investors! Owner related to realtor.
Utility Allowances
Heating
$61
Property has Natural Gas heating. Selected 'natural_gas' option for a 2-bedroom unit.
Cooking
$10
Inferred cooking fuel is Natural Gas, consistent with the property's heating system. Selected 'natural_gas' option for a 2-bedroom unit.
Water Heating
$27
Inferred water heater fuel is Natural Gas, consistent with the property's heating system. Selected 'natural_gas' option for a 2-bedroom unit.
Other Electric
$32
Standard allowance for lighting and miscellaneous electric use for a 2-bedroom unit.
Water
$26
Property has a public water source. Used fixed allowance for a 2-bedroom unit.
Sewer
$29
Property has a public sewer system. Used fixed allowance for a 2-bedroom unit.
Trash Collection
$25
Standard utility for a single-family home. Used fixed allowance 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$467
DP3 Annual Estimate$488
DP1 Monthly Equivalent$39
DP3 Monthly Equivalent$41
Replacement Value$78,790
Basis927 sqft / 1945
Nearby Houses
Photo unavailable
416 H St
sold · 0.01 mi
Price: $127,250
4 bd / 2 ba · 1,782 sqft
Latest sale: $127,250 on Dec 27, 2023
Latest rent: —
Photo unavailable
425 N Blanchard St
off_market · 0.02 mi
Price: $1,250
3 bd / 1 ba · 1,046 sqft
Latest sale: $46,000 on Feb 13, 2018
Latest rent: $1,250 on Aug 20, 2025
Photo unavailable
507 Walnut St
sold · 0.04 mi
Price: $73,000
2 bd / 1 ba · 1,076 sqft
Latest sale: $73,000 on May 08, 2017
Latest rent: —
Photo unavailable
514 H St
sold · 0.07 mi
Price: $128,900
4 bd / 2 ba · 1,452 sqft
Latest sale: $128,900
Latest rent: —
Photo unavailable
618 Walnut St
sold · 0.08 mi
Price: $120,000
4 bd / 2 ba · 1,720 sqft
Latest sale: $120,000 on Sep 01, 2022
Latest rent: —
Photo unavailable
438 Cherry St
sold · 0.09 mi
Price: $159,000
2 bd / 1 ba · 1,056 sqft
Latest sale: $159,000 on May 14, 2024
Latest rent: —
Photo unavailable
620 Walnut St
sold · 0.09 mi
Price: $106,000
3 bd / 1 ba · 1,600 sqft
Latest sale: $106,000 on Jun 07, 2019
Latest rent: —
Photo unavailable
520 H St
sold · 0.10 mi
Price: $165,900
2 bd / 1 ba · 1,206 sqft
Latest sale: $165,900 on Feb 08, 2023
Latest rent: —
Photo unavailable
505 Cherry St
sold · 0.10 mi
Price: $148,000
3 bd / 2 ba · 1,488 sqft
Latest sale: $148,000 on May 05, 2025
Latest rent: —
Photo unavailable
505 Lynn St
sold · 0.10 mi
Price: $104,900
3 bd / 2 ba · 1,540 sqft
Latest sale: $104,900 on Aug 13, 2021
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Electrical hazards: missing outlet covers/exposed outlet boxes visible in photos.
- Unsafe front stairs/porch: peeling paint and wood deterioration—possible structural/trip hazard.
- No visible smoke detectors or CO alarms in photos (required for inspection).
- Kitchen lacks apparent GFCI-protected outlet (kitchen GFCI required near sink).
- Downspout discharges at/near foundation causing potential drainage/moisture risk.
Assumptions
- Forced-air heating is present (floor vents visible) and functional, though furnace/boiler not photographed.
- Water heater and electrical panel exist in the partial basement and are operational unless inspection reveals otherwise.
- Bedrooms provide compliant egress windows (not shown) — assumed adequate because house is existing single-family stock, but must be confirmed.
- No active roof leaks or interior water damage beyond what is visible in photos; ceilings appear intact.
- Appliances shown (stove and refrigerator) are in working order; seller will provide working utilities for inspection.
- No evidence of visible severe mold, insect infestation, or major foundation movement in provided images.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,404 | $127,340 | $44,570 |
| 2023 | $1,144 | $89,240 | $31,240 |
| 2022 | $1,136 | $89,240 | $31,240 |
| 2021 | $981 | $67,110 | $23,489 |
| 2020 | $981 | $67,110 | $23,489 |
| 2018 | $518 | $59,090 | $20,682 |
| 2017 | $519 | $59,090 | $20,682 |
| 2016 | $832 | $59,090 | $20,682 |
| 2015 | $585 | $63,200 | $22,120 |
| 2014 | $585 | $63,200 | $22,120 |
| 2013 | $859 | $63,200 | $22,120 |
| 2012 | $498 | $57,390 | $20,090 |
| 2011 | $498 | $57,390 | $20,090 |
| 2010 | $837 | $57,390 | $20,090 |
| 2009 | $617 | $67,350 | $23,580 |
| 2008 | $559 | $67,350 | $23,580 |
| 2007 | $557 | $67,350 | $23,580 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-12-27 | Sold | $55,000 |
| 2019-10-22 | Sold | $41,000 |
Photo Gallery
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"summary": "Overall this 2-bed/1-bath single-family appears largely cosmetically updated and contains required appliances, making it a reasonable candidate for HCV tenancy after a short punch list. Primary near-term issues that should be corrected before inspection: install/verify smoke and CO alarms, replace/make-safe the front wooden steps and handrails, install missing outlet covers, and confirm GFCI protection in kitchen/bath. Mechanical systems (furnace, water heater, electrical panel) were not photographed and should be verified functional; address downspout drainage away from foundation. With these fixes (most are minor to moderate), property is likely rent-ready within 30 days.",
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},
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},
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"Unsafe front stairs/porch: peeling paint and wood deterioration—possible structural/trip hazard.",
"No visible smoke detectors or CO alarms in photos (required for inspection).",
"Kitchen lacks apparent GFCI-protected outlet (kitchen GFCI required near sink).",
"Downspout discharges at/near foundation causing potential drainage/moisture risk."
],
"confidence": 0.7,
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"Bedrooms provide compliant egress windows (not shown) — assumed adequate because house is existing single-family stock, but must be confirmed.",
"No active roof leaks or interior water damage beyond what is visible in photos; ceilings appear intact.",
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"score": 65.0,
"rationale": "Major systems not directly shown. Evidence of central heating (floor registers) suggests forced air heat present but HVAC equipment and water heater are not pictured. Roof shingles appear intact from photos with no sagging. Visible plumbing (kitchen double sink) shows no obvious leaks. Electrical panel not shown. Given the house age (1945) there is a moderate chance of older components, but no visible signs of immediate system failure. Verification of heating, hot water, and electrical panel condition required."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 70.0,
"rationale": "Vinyl siding and foundation/block look intact with no obvious foundation settlement or large cracks visible. Driveway and walkway are serviceable with minor cracking. Lawn and yard are maintained. Front stairs/handrails need repair/paint (safety item but accounted above). No standing water or visible drainage issues in photos. 2-car garage referenced in listing but not pictured for condition assessment."
}
],
"red_flags": [
"Missing or non-GFCI kitchen countertop outlets (likely requirement) and exposed outlet/plate missing near dining area (electrical hazard).",
"Deteriorated front stairs and handrails — trip/fall hazard; may require repair or replacement.",
"No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE safety requirement).",
"Property built 1945 — peeling/paint-chipped surfaces (front steps) create potential lead-based paint hazard unless addressed and disclosed.",
"Major systems (HVAC, water heater, electrical panel) were not shown — unknown status and must be verified prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Appliances shown (electric range and refrigerator) are present and assumed functional unless testing proves otherwise.",
"Central heating is present because of visible floor registers; actual HVAC equipment condition and operational status are unknown.",
"No electrical panel or water heater photos were provided; both are assumed present and intact but require inspection.",
"No smoke or CO detectors were visible in the photos; assume they are absent or not visible/installed correctly.",
"Partial basement and 2-car garage exist per listing but were not photographed and therefore not evaluated.",
"No visible active roof leaks, significant mold, or structural sagging observed in provided photos; assume none present unless interior inspection reveals otherwise.",
"Property built in 1945 — assume lead-based paint risk for painted surfaces (steps, trim) and disclosure requirements apply."
],
"overall_score": 66.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "This 2-bed single-family appears mostly rent-ready but has a handful of likely NSPIRE inspection risks. Strengths: functioning kitchen appliances present, clean interior finishes, solid-looking roof and flooring. Likely corrective items before passing an initial HCV inspection: install/verify smoke detectors and CO alarms, replace missing outlet covers and install GFCI protection for kitchen sink receptacles, repair/replace deteriorated front steps/handrails, verify operation of heating and hot water, and confirm electrical panel condition. With those targeted fixes (mostly minor/contractor-level and inexpensive), the property should pass inspection within 1-3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior appears clean and recently refreshed: laminate flooring in good condition, painted cabinets, working-range and refrigerator present. Cosmetic wear on cabinets and lower trim, some scuffing and chipped paint. Exterior front steps and railings show peeling paint and localized wood deterioration that will require repair or replacement. Missing outlet cover(s) in kitchen are cosmetic but need fixing. Overall, mostly cosmetic and minor-capital repairs required."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 55.0,
"rationale": "Visible inspection risks: no visible smoke detectors in living areas or ceiling photos, and no visible CO alarms (not shown). Kitchen outlets near sink show at least one open/missing cover and there is no visible GFCI-protected receptacle at the sink — likely NSPIRE failure unless present but not shown. Front steps show deterioration creating a trip/fall risk and railings look weathered. No active water stains, major mold, or collapsed ceilings visible. These items are fixable but are likely to cause an initial fail if not corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 70.0,
"rationale": "Major systems appear present and generally intact: roof shingles look in serviceable condition, floor vents indicate a central heating distribution system, kitchen fixtures (double sink, faucet) and appliances are present. No visible water stains or obvious plumbing leaks. Electrical panel and water heater are not photographed; absence of visible hazards but lack of documentation reduces confidence. No visible roof sagging or foundation cracks. Assessed as likely functional but requires verification (panel labeling, heater operation, hot water)."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 65.0,
"rationale": "Vinyl siding and overall exterior envelope appear intact with no visible large breaches. Foundation looks generally sound though there is staining at a downspout outlet and mild grade/drainage concerns adjacent to the foundation that could allow water pooling. Driveway and yard are serviceable. Front wooden stoop and treads show deterioration and peeling paint; stairs are the primary exterior deficiency and a potential safety/trip hazard that should be repaired."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in provided photos (likely inspection fail if absent).",
"Missing outlet cover(s) and no visible GFCI at kitchen sink (electrical hazard / likely fail).",
"Deteriorated front steps/paint-peeled treads that may be structurally weak or create trip/fall hazard.",
"Downspout discharge/staining at foundation and minor grading issues that could cause water intrusion if not addressed."
],
"confidence": 0.65,
"assumptions": [
"Photos are representative of the entire unit (no hidden severe damage in non-photographed rooms).",
"Heating system exists and is functional (floor vents visible) though the furnace/water heater and electrical panel were not photographed.",
"Smoke and carbon monoxide detectors are not present or not visible in photos and therefore should be assumed missing until confirmed.",
"Bedroom egress windows meet code or can be made to meet code — bedrooms themselves were not shown in photos.",
"No active roof leaks or major basement water intrusion are present (no visible interior stains), but partial basement condition is unknown.",
"Range and refrigerator are functioning; no evidence provided to confirm but appliances appear recently cleaned/installed."
],
"overall_score": 67.0,
"rubric_version": "2026-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "420 H St, Findlay, OH, 45840",
"aggregate": {
"summary": "Overall this 2-bed/1-bath single-family appears largely cosmetically updated and contains required appliances, making it a reasonable candidate for HCV tenancy after a short punch list. Primary near-term issues that should be corrected before inspection: install/verify smoke and CO alarms, replace/make-safe the front wooden steps and handrails, install missing outlet covers, and confirm GFCI protection in kitchen/bath. Mechanical systems (furnace, water heater, electrical panel) were not photographed and should be verified functional; address downspout drainage away from foundation. With these fixes (most are minor to moderate), property is likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 74.0,
"rationale": "Interior photos show generally clean, recently finished-looking flooring, painted cabinets and functioning appliances (stove and refrigerator present). Cosmetic wear on cabinet faces and baseboards, some scuffing on floors and chipped paint on trim are visible. Exterior wood front steps and porch show peeling paint and wood deterioration that will need repair or replacement. Missing outlet covers in photos are a minor repair but should be corrected. Overall appears cosmetically updated with a handful of easy-to-fix items."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 68.3,
"rationale": "Vinyl siding and roof appear intact from front photos; foundation and concrete skirt look generally sound though there is staining and evidence of previous water flow near the downspout. Front steps/porch need repair or replacement. Driveway and sidewalks show minor cracking but no major trip hazards. Yard and site appear typical and not severely neglected."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several safety items are unclear or likely to fail inspection as-is: no smoke detectors or CO alarms are visible in photos (required); at least one electrical outlet cover is missing and some kitchen outlets do not appear to be GFCI-protected (kitchen/bath GFCI requirement); the front wood stairs show decay and could be a trip/structural hazard and the handrail condition looks marginal. Windows/egress for bedrooms are not shown so egress compliance is assumed but unconfirmed. Plumbing fixtures and sinks appear intact, and ceilings show no collapse. Because multiple safety/code items are either missing or unverified, this category is downgraded."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "Photos show floor vents indicating a forced-air heating system likely present; no furnace, water heater, or electrical panel are visible in photos. Roof shingles visible from front look serviceable with no obvious sag or failure. Plumbing fixtures in kitchen appear functional. Downspout at front discharges near foundation which could lead to drainage/runoff concerns if not corrected. Because key mechanical components (furnace, water heater, electrical panel) are not shown, score is moderate based on visible clues rather than confirmed condition."
}
],
"red_flags": [
"Electrical hazards: missing outlet covers/exposed outlet boxes visible in photos.",
"Unsafe front stairs/porch: peeling paint and wood deterioration—possible structural/trip hazard.",
"No visible smoke detectors or CO alarms in photos (required for inspection).",
"Kitchen lacks apparent GFCI-protected outlet (kitchen GFCI required near sink).",
"Downspout discharges at/near foundation causing potential drainage/moisture risk."
],
"confidence": 0.95,
"assumptions": [
"Forced-air heating is present (floor vents visible) and functional, though furnace/boiler not photographed.",
"Water heater and electrical panel exist in the partial basement and are operational unless inspection reveals otherwise.",
"Bedrooms provide compliant egress windows (not shown) — assumed adequate because house is existing single-family stock, but must be confirmed.",
"No active roof leaks or interior water damage beyond what is visible in photos; ceilings appear intact.",
"Appliances shown (stove and refrigerator) are in working order; seller will provide working utilities for inspection.",
"No evidence of visible severe mold, insect infestation, or major foundation movement in provided images."
],
"score_method": "mean_of_criteria",
"overall_score": 66.0,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4023631613"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.