Property ID: 4063916097
731 5th St, Findlay, OH, 45840
Findlay, OH
Money Down: $43,200
CoC Return: -0.82%
Monthly Cash Flow: $-30
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$36,000
Closing Costs
$7,200
Total Down
$43,200
Investment Snapshot
Purchase Price
$180,000
Money Down
$43,200
Cash-on-Cash Return
-0.82%
Rent
$1,231
Monthly Cash Flow
$-30
Annual Cash Flow
$-354
Debt Service / Mo
$958
Property Tax / Mo
$132
Insurance / Mo
$48
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,231
Payment Standard
$1,484
Rent
$1,231
Insurance
$48
Property Tax
$132
Management
$123
Utilities Allowance
$253
NOI (Monthly)
$929
Debt Service
$958
Cash Flow After Debt
$-30
Quality Score: 75.80%
Confidence: 85.00%
This 3-bed ranch appears to be in good cosmetic and functional condition and is close to rent-ready for a Housing Choice Voucher inspection. New flooring, fresh paint and included appliances reduce repair needs. Main inspection/verification items that must be confirmed before move‑in: presence and placement/function of smoke and CO detectors, functioning GFCI protection in kitchen/bath (or GFCI at panel), operation of HVAC and hot water, and fireplace compliance/condition. No visible structural failures or severe exterior deterioration were observed; expected work would be minor repairs and verification testing to reach passable NSPIRE standards.
Section 8 Payment Standard
$1,484
Utility Allowance Total
$253
Guaranteed Section 8 Rent (PS - Utilities)
$1,231
Property Management
$123
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$180,000
Beds
3
Baths
1.5
Living Area
1,104 sqft
Lot Size
13,504 sqft
Year Built
1949
Days on Market
68
Capital Outlay
$43,200
Debt Service
$958
Property Tax / Mo
$132
Insurance / Mo
$48
Property Description
This lovely Findlay ranch has a lot to offer. This 3-bedroom home sits on a third of an acre on a quiet street & is not in the flood zone. It has an attached garage, extra parking, is fenced-in, & has a shed. The inside gets even better, with brand new carpet, brand new luxury vinyl flooring, fresh paint, & appliances are staying. With the Firestine Park just a short distance down the road, this home has it all. Come see for yourself.
Utility Allowances
heating
$75
The property's heating system is specified as 'Natural Gas'.
cooking
$13
Based on the property's 'Electric Oven' and 'Electric Range' in the appliance list.
water_heating
$33
The property has a water heater and is connected to natural gas for primary heating. It is assumed the water heater also uses natural gas.
other_electric
$39
A standard allowance for general electricity usage in a 3-bedroom single-family detached home.
water
$32
The property uses a 'Public' water source, a standard tenant-paid utility.
sewer
$36
The property is connected to a 'Sanitary Sewer' system, a standard tenant-paid utility.
trash_collection
$25
Inferred as a necessary utility for a single-family home. The property does not belong to an HOA that would cover this cost.
air_conditioning
$0
The property is equipped with central air conditioning, which is landlord-provided, resulting in a $0 allowance for the tenant.
range
$0
The property provides an electric range, so the tenant does not bear this cost. The allowance is $0.
refrigerator
$0
The property provides a refrigerator, so the tenant does not bear this cost. The allowance is $0.
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$559
DP3 Annual Estimate$584
DP1 Monthly Equivalent$47
DP3 Monthly Equivalent$49
Replacement Value$100,440
Basis1,104 sqft / 1949
Nearby Houses
Photo unavailable
717 5th St
sold · 0.05 mi
Price: $92,000
2 bd / 2 ba · 1,119 sqft
Latest sale: $92,000 on Aug 31, 2018
Latest rent: —
Photo unavailable
780 6th St
sold · 0.05 mi
Price: $135,000
5 bd / 3 ba · 2,546 sqft
Latest sale: $135,000 on Apr 22, 2020
Latest rent: $1,225 on Jul 11, 2021
Photo unavailable
718 5th St
sold · 0.06 mi
Price: $117,500
3 bd / 1 ba · 1,032 sqft
Latest sale: $117,500 on May 12, 2020
Latest rent: —
Photo unavailable
1312 Leiser Ave
sold · 0.07 mi
Price: $188,000
3 bd / 3 ba · 1,802 sqft
Latest sale: $188,000 on Jul 09, 2019
Latest rent: $1,585 on Dec 21, 2022
Photo unavailable
712 5th St
sold · 0.07 mi
Price: $42,000
8 bd / 2 ba · 2,314 sqft
Latest sale: $42,000 on Nov 06, 2018
Latest rent: —
Photo unavailable
1308 Leiser Ave
sold · 0.07 mi
Price: $225,000
3 bd / 2 ba · 1,566 sqft
Latest sale: $225,000 on Dec 13, 2021
Latest rent: —
Photo unavailable
1311 Leiser Ave
sold · 0.07 mi
Price: $260,000
4 bd / 2 ba · 1,724 sqft
Latest sale: $260,000 on Jun 02, 2022
Latest rent: —
Photo unavailable
S Blanchard St
sold · 0.08 mi
Price: $1,500
— bd / — ba
Latest sale: $1,500
Latest rent: —
Photo unavailable
1304 Leiser Ave
sold · 0.09 mi
Price: $195,000
3 bd / 2 ba · 1,402 sqft
Latest sale: $195,000 on Mar 10, 2021
Latest rent: —
Photo unavailable
1306 Graceland Ave
sold · 0.10 mi
Price: $215,000
3 bd / 2 ba · 1,840 sqft
Latest sale: $215,000 on Apr 10, 2025
Latest rent: —
Photo unavailable
1301 Leiser Ave
sold · 0.11 mi
Price: $238,400
3 bd / 3 ba · 1,819 sqft
Latest sale: $238,400 on Oct 16, 2023
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No smoke detectors or CO alarms visible in photos — must verify presence and placement before inspection.
- No visible GFCI receptacle in the kitchen sink area (standard duplex outlet shown) — require verification of GFCI protection at outlet or breaker.
- Fireplace condition and safe operation not documented — requires inspection/clearance or permanent closure/guarding to meet safety code.
Assumptions
- Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be present but need verification and batteries tested.
- Water heater and electrical service/panel exist but are not shown; assume typical location in garage/utility area and that breaker-based GFCI protection is possible.
- Kitchen appliances shown (refrigerator and electric range) are included and operable as stated in listing, but electrical connections and range operation should be tested.
- Snow obscures roof details, walkways and yard drainage; roof appears even under snow and is assumed free of active leaks based on no visible interior staining.
- Fireplace is visible and appears decorative or operable; assume it has not been recently inspected — it will require inspection/clearance if intended for use.
- Bedroom egress windows exist (typical for a ranch) but exact window sizes and escape compliance cannot be confirmed from provided photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,535 | $142,870 | $50,000 |
| 2023 | $1,450 | $116,150 | $40,650 |
| 2022 | $1,441 | $116,150 | $40,650 |
| 2021 | $1,180 | $82,870 | $29,005 |
| 2020 | $1,337 | $82,870 | $29,005 |
| 2018 | $1,244 | $81,630 | $28,571 |
| 2017 | $1,242 | $81,630 | $28,571 |
| 2016 | $1,266 | $81,630 | $28,571 |
| 2015 | $1,233 | $78,380 | $27,434 |
| 2014 | $1,233 | $78,380 | $27,434 |
| 2013 | $1,233 | $78,380 | $27,434 |
| 2012 | $1,241 | $78,380 | $27,430 |
| 2011 | $1,240 | $78,380 | $27,430 |
| 2010 | $1,240 | $78,380 | $27,430 |
| 2009 | $1,328 | $87,990 | $30,800 |
| 2008 | $1,194 | $87,990 | $30,800 |
| 2007 | $1,190 | $87,990 | $30,800 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-02-19 | Sold | $120,000 |
| 2020-09-21 | Sold | $80,000 |
| 2017-09-22 | Sold | $114,000 |
| 2003-04-29 | Sold | $70,000 |
| 2000-06-27 | Sold | $84,000 |
| 1998-11-16 | Sold | $55,150 |
Photo Gallery
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"building": 25420
}
}
],
"property_history": [
{
"date": "2026-01-30",
"price": 180000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-30T19:09:31Z",
"list_price": 180000,
"listing_id": "2990785357",
"last_update_date": "2026-02-05T10:15:36Z",
"last_status_change_date": "2026-01-30T19:09:31Z"
},
"event_name": "Listed",
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{
"date": "2021-02-22",
"price": 120000,
"listing": {
"status": "sold",
"list_date": "2020-11-18T22:33:58Z",
"list_price": 120000,
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"last_status_change_date": "2021-02-22T14:04:28Z"
},
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{
"date": "2021-02-19",
"price": 120000,
"listing": {
"status": "sold",
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"list_price": 120000,
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"last_status_change_date": "2025-09-20T06:22:16Z"
},
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"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": "93 days",
"source_listing_id": "203376",
"price_change_percentage": "-7.69%"
},
{
"date": "2021-01-06",
"price": 120000,
"listing": {
"status": "sold",
"list_date": "2020-11-18T22:33:58Z",
"list_price": 120000,
"listing_id": "2923567598",
"last_update_date": "2021-02-24T13:11:26Z",
"last_status_change_date": "2021-02-22T14:04:28Z"
},
"event_name": "Price Changed",
"price_sqft": 95.69377990430623,
"source_name": "NWOhio",
"price_change": -7500,
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"source_listing_id": "6063822",
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},
{
"date": "2020-12-09",
"price": 127500,
"listing": {
"status": "sold",
"list_date": "2020-11-18T22:33:58Z",
"list_price": 120000,
"listing_id": "2923567598",
"last_update_date": "2021-02-24T13:11:26Z",
"last_status_change_date": "2021-02-22T14:04:28Z"
},
"event_name": "Price Changed",
"price_sqft": 101.67464114832536,
"source_name": "NWOhio",
"price_change": -2500,
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"source_listing_id": "6063822",
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},
{
"date": "2020-11-18",
"price": 130000,
"listing": {
"status": "sold",
"list_date": "2020-11-18T22:33:58Z",
"list_price": 120000,
"listing_id": "2923567598",
"last_update_date": "2021-02-24T13:11:26Z",
"last_status_change_date": "2021-02-22T14:04:28Z"
},
"event_name": "Listed",
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "6063822",
"price_change_percentage": "+14.04%"
},
{
"date": "2017-09-26",
"price": 114000,
"listing": {
"status": "off_market",
"list_date": "2017-04-10T07:00:00Z",
"list_price": 114000,
"listing_id": "598303681",
"last_update_date": "2017-09-06T02:22:49Z",
"last_status_change_date": "2017-04-10T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 90.9090909090909,
"source_name": "Findlay",
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"days_after_listed": null,
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{
"date": "2017-09-22",
"price": 114000,
"listing": {
"status": "sold",
"list_date": "2025-10-25T02:25:14Z",
"list_price": 114000,
"listing_id": "2987701625",
"last_update_date": "2025-11-05T20:50:28Z",
"last_status_change_date": "2025-10-25T02:25:14Z"
},
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"source_name": "NWOhio",
"price_change": 0,
"days_after_listed": "165 days",
"source_listing_id": "134586",
"price_change_percentage": "-$900"
},
{
"date": "2017-07-18",
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"listing": {
"status": "off_market",
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"list_price": 114000,
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"last_status_change_date": "2017-04-10T07:00:00Z"
},
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"price_sqft": 90.9090909090909,
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},
{
"date": "2017-06-02",
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"listing": {
"status": "off_market",
"list_date": "2017-04-10T07:00:00Z",
"list_price": 114000,
"listing_id": "598303681",
"last_update_date": "2017-09-06T02:22:49Z",
"last_status_change_date": "2017-04-10T07:00:00Z"
},
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"price_sqft": 83.65231259968103,
"source_name": "Findlay",
"price_change": -4100,
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},
{
"date": "2017-05-15",
"price": 109000,
"listing": {
"status": "off_market",
"list_date": "2017-04-10T07:00:00Z",
"list_price": 114000,
"listing_id": "598303681",
"last_update_date": "2017-09-06T02:22:49Z",
"last_status_change_date": "2017-04-10T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": 86.92185007974481,
"source_name": "Findlay",
"price_change": -2900,
"days_after_listed": null,
"source_listing_id": "134586",
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},
{
"date": "2017-04-30",
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"listing": {
"status": "off_market",
"list_date": "2017-04-10T07:00:00Z",
"list_price": 114000,
"listing_id": "598303681",
"last_update_date": "2017-09-06T02:22:49Z",
"last_status_change_date": "2017-04-10T07:00:00Z"
},
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"price_sqft": 89.23444976076556,
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"price_change": -3000,
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},
{
"date": "2017-04-10",
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"status": "off_market",
"list_date": "2017-04-10T07:00:00Z",
"list_price": 114000,
"listing_id": "598303681",
"last_update_date": "2017-09-06T02:22:49Z",
"last_status_change_date": "2017-04-10T07:00:00Z"
},
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{
"date": "2016-12-24",
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"list_price": 99900,
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"last_status_change_date": "2016-09-22T07:00:00Z"
},
"event_name": "Listing removed",
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"days_after_listed": "93 days",
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{
"date": "2016-10-20",
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"listing": {
"status": "off_market",
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"list_price": 99900,
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"last_update_date": "2016-10-21T06:00:47Z",
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},
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},
{
"date": "2016-09-22",
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"listing": {
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"list_price": 99900,
"listing_id": "594037845",
"last_update_date": "2016-10-21T06:00:47Z",
"last_status_change_date": "2016-09-22T07:00:00Z"
},
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"source_listing_id": "133456",
"price_change_percentage": "+57.00%"
},
{
"date": "2003-04-29",
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"price_sqft": 63.405797101449274,
"source_name": "Public Record",
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"days_after_listed": null,
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{
"date": "2000-06-27",
"price": 84000,
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"days_after_listed": null,
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},
{
"date": "1998-11-16",
"price": 55150,
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"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
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}
],
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}
},
"rmn_listing_attribution": false
},
"property_id": "4063916097",
"generated_at": "2026-02-24T23:17:11.137382Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 75.8
},
"utility_allowance": {
"zip_code": "45840",
"home_photo": "https://ap.rdcpix.com/08112c34482c97f2dbbc4f75b8f0b196l-m1499920943s-w1280.jpg",
"rent_price": 1231.0,
"loan_amount": 144000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/731-5th-St_Findlay_OH_45840_M40639-16097",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 180000.0,
"loan_term_years": 30,
"annual_cash_flow": 11142.25,
"mortgage_monthly": 958.04,
"payment_standard": 1484.0,
"total_amount_out": 36000.0,
"additional_photos": [
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"https://ap.rdcpix.com/08112c34482c97f2dbbc4f75b8f0b196l-m1528854787s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 47.62,
"monthly_cash_flow": 928.52,
"property_tax_rate": 0.0103,
"_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": "The property's heating system is specified as 'Natural Gas'.",
"utility": "heating",
"allowance": 75
},
{
"note": "Based on the property's 'Electric Oven' and 'Electric Range' in the appliance list.",
"utility": "cooking",
"allowance": 13
},
{
"note": "The property has a water heater and is connected to natural gas for primary heating. It is assumed the water heater also uses natural gas.",
"utility": "water_heating",
"allowance": 33
},
{
"note": "A standard allowance for general electricity usage in a 3-bedroom single-family detached home.",
"utility": "other_electric",
"allowance": 39
},
{
"note": "The property uses a 'Public' water source, a standard tenant-paid utility.",
"utility": "water",
"allowance": 32
},
{
"note": "The property is connected to a 'Sanitary Sewer' system, a standard tenant-paid utility.",
"utility": "sewer",
"allowance": 36
},
{
"note": "Inferred as a necessary utility for a single-family home. The property does not belong to an HOA that would cover this cost.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "The property is equipped with central air conditioning, which is landlord-provided, resulting in a $0 allowance for the tenant.",
"utility": "air_conditioning",
"allowance": 0
},
{
"note": "The property provides an electric range, so the tenant does not bear this cost. The allowance is $0.",
"utility": "range",
"allowance": 0
},
{
"note": "The property provides a refrigerator, so the tenant does not bear this cost. The allowance is $0.",
"utility": "refrigerator",
"allowance": 0
}
],
"cash_on_cash_return": 0.31,
"down_payment_amount": 36000.0,
"property_tax_annual": 1581.05,
"property_tax_monthly": 131.75,
"property_tax_increase": 0.03,
"utility_allowance_total": 253.0,
"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": -354.18,
"property_management_monthly": 123.1,
"monthly_cash_flow_after_debt": -29.51,
"cash_on_cash_return_after_debt": -0.01
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed ranch appears to be in good cosmetic and functional condition and is close to rent-ready for a Housing Choice Voucher inspection. New flooring, fresh paint and included appliances reduce repair needs. Main inspection/verification items that must be confirmed before move‑in: presence and placement/function of smoke and CO detectors, functioning GFCI protection in kitchen/bath (or GFCI at panel), operation of HVAC and hot water, and fireplace compliance/condition. No visible structural failures or severe exterior deterioration were observed; expected work would be minor repairs and verification testing to reach passable NSPIRE standards.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Interior photos show fresh paint, new luxury vinyl plank and new carpet as advertised, and kitchen appliances present (stove and refrigerator). Cosmetic condition appears good; cabinetry is older but serviceable. Minor ceiling seams/cracks are visible in living area and will need patching/taping/paint. Exterior brick and trim look intact. Overall only minor cosmetic work and typical touch-ups appear required; missing visual evidence of the bathroom means small unknowns remain but nothing in photos suggests major deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 75.0,
"rationale": "No obvious life‑threatening hazards visible: no collapsed ceilings, major roof sag, or standing water in photos. Central HVAC vents present. However crucial NSPIRE items are not shown: smoke/CO detectors are not visible, bedroom egress and interior stair/handrail details are not shown, and the kitchen outlet shown appears to be a standard duplex rather than a visible GFCI near the sink (could be GFCI at breaker). There is a wood/fireplace opening that will require screening/inspection or permanent closure if nonfunctional. Because many required compliance items cannot be visually confirmed, this category is reduced to reflect verification risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/electrical/plumbing)",
"score": 78.0,
"rationale": "Exterior photo shows a modern HVAC condenser at the side of the house and supply/return vents in living area, indicating central forced-air heating/AC is present. Roof appears shingled with no visible sag even though partially snow-covered. Stove is electric and appears connected. Water heater and main electrical panel are not shown (unknown). No exposed wiring is visible in interior photos. Because major systems are implied but not fully documented (panel/water heater/age/operation), score reflects probable functionality with need for verification and testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 86.0,
"rationale": "Well-maintained brick exterior, attached garage, fenced yard and a shed are visible in photos. Gutters appear present and roofline looks even. Driveway and parking are adequate. Snow covers most ground so drainage and walkway surface conditions cannot be fully inspected; however no visible foundation displacement, major cracks, or exterior deterioration is evident in images provided."
}
],
"red_flags": [
"No smoke detectors or CO alarms visible in photos — must verify presence and placement before inspection.",
"No visible GFCI receptacle in the kitchen sink area (standard duplex outlet shown) — require verification of GFCI protection at outlet or breaker.",
"Fireplace condition and safe operation not documented — requires inspection/clearance or permanent closure/guarding to meet safety code."
],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be present but need verification and batteries tested.",
"Water heater and electrical service/panel exist but are not shown; assume typical location in garage/utility area and that breaker-based GFCI protection is possible.",
"Kitchen appliances shown (refrigerator and electric range) are included and operable as stated in listing, but electrical connections and range operation should be tested.",
"Snow obscures roof details, walkways and yard drainage; roof appears even under snow and is assumed free of active leaks based on no visible interior staining.",
"Fireplace is visible and appears decorative or operable; assume it has not been recently inspected — it will require inspection/clearance if intended for use.",
"Bedroom egress windows exist (typical for a ranch) but exact window sizes and escape compliance cannot be confirmed from provided photos."
],
"overall_score": 80.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be in good cosmetic condition with recent interior updates and working kitchen appliances present. Major structural or life‑safety failures are not visible in listing photos. Primary inspection risks are missing/unstated NSPIRE items (smoke and CO alarms, GFCI protection in kitchen), unverified systems (electrical panel, water heater, furnace), and unconfirmed bedroom egress. With confirmation/installation of detectors, verification of GFCI or equivalent protection, and a quick systems check, this property is likely to pass an initial HCV/NSPIRE inspection within 7–30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic updates: new luxury vinyl plank flooring and fresh paint; baseboards and trim appear in good order. Kitchen appliances (refrigerator and electric range) are present and appear serviceable, and cabinetry is intact though older. No visible water stains, peeling paint, or severe surface damage in the provided photos. Minor cabinet wear and some ceiling imperfections/cracks visible — easy cosmetic repairs. Missing interior photos of bathrooms/bedrooms prevent confirmation of their condition, but overall visible areas look recently refreshed and ready with only minor touch-ups."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards detected (no collapsed ceilings, no standing water, no visible exposed wiring). However critical NSPIRE items are not visible in photos: smoke detectors and carbon monoxide alarm(s) are not shown, and the outlet adjacent to the kitchen sink is a standard receptacle (no visible GFCI) which is an NSPIRE concern. Entry door appears secure and likely has a deadbolt (photo shows a lock), and bedroom windows/egress cannot be confirmed from photos. Fireplace/chimney appear intact but require verification of flue/termination or blocking for safety. These unknowns present moderate inspection risk; remedies (install/verify detectors, add GFCI, verify egress) are straightforward but required for pass."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Supply/return vents visible in living area and an outdoor condensing unit is visible at the side — indicates central HVAC present. Roof and chimney are intact in photos with no visible sagging or major damage (snow cover limits full inspection). Electrical panel, water heater and furnace are not pictured — condition assumed serviceable but unverified. Kitchen plumbing fixtures appear normal (double sink); hot water and drain function not verified. Given visible vents and exterior unit, likely operable systems, but verification/service checks recommended."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 75.0,
"rationale": "Brick exterior in photos appears sound; attached garage and driveway present. Property is fenced with a shed (listing notes) and is on a relatively flat lot; snow coverage limits detailed assessment of walkways, driveway surface, grading/drainage and minor foundation exposure. Gutters are visible and look intact. Mature trees close to the house could require monitoring but no immediate structural concerns visible. Snow-obscured surfaces may hide trip hazards; snow removal will be required prior to inspection."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement 'appliances are staying' is accurate; photos show a working electric range and refrigerator on site.",
"Central HVAC is present and operational based on visible ceiling vents and an outdoor condenser unit; furnace and water heater are present inside but not photographed.",
"Roof decking and shingles are serviceable; visible portions show no major damage, though snow limits full roof assessment.",
"No visible major foundation movement or structural sagging exists; exterior brick appears level in photos.",
"Smoke and carbon monoxide detectors are not visible in the provided photos and should be assumed absent or unverified for inspection readiness.",
"GFCI protection for kitchen sink outlet is not visible and must be assumed absent until verified.",
"Bedrooms and their egress windows are not shown; assume typical ranch‑style windows but require verification for NSPIRE egress compliance.",
"No rental history in the last 5 years (snapshot shows missing) and therefore rental_history_activity is excluded from scoring."
],
"overall_score": 73.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "Overall this 3-bed ranch appears largely turnkey for Section 8 tenancy after addressing a few code-level items. Cosmetic updates are complete (new flooring, paint) and appliances are included. Main inspection risks are missing/undisclosed smoke and CO detectors, unclear GFCI protection at kitchen sink, and an unverified fireplace/chimney. Major structural concerns are not evident in photos. With straightforward fixes (install/verify detectors, GFCI, verify fireplace and mechanicals), the unit is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 80.0,
"rationale": "Photos and listing indicate recent cosmetic updates (brand-new carpet, new luxury vinyl plank, fresh paint). Appliances are present and included (refrigerator and electric range). Cabinets and countertops are older but serviceable. No visible major interior damage; minor ceiling imperfections and older kitchen cabinets are cosmetic. Missing or older fixtures are easy-to-fix capital items rather than structural problems."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in photos (required by NSPIRE). Kitchen outlet GFCI protection is not visibly evident at the sink; if absent this is an inspection fail. Entry door appears reasonably secure but a deadbolt is not clearly visible in photos. No exposed wiring, severe trip hazards, active leaks, or peeling paint are visible. Fireplace/chimney condition and operability are unknown and could require inspection/repair if functional. Overall moderate risk due to missing visible detectors/GFCI and unknown fireplace status."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 70.0,
"rationale": "Central HVAC registers are visible and an outdoor condensing unit is visible at the side of the house, indicating an existing forced-air system. Electric range and visible plumbing (kitchen sink) appear intact. Roof looks intact from photos (snow-covered but no visible sagging or major damage). Water heater, electrical panel, and furnace mechanicals are not shown — assumed present and functional given interior vents and photos, but their age/condition are unknown. No evidence of active water intrusion or standing water."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 85.0,
"rationale": "Brick exterior appears sound, gutters present, attached garage and fenced yard visible. Driveway and lot look level and well-maintained (snow-covered). Chimney present but not visibly deteriorated. No visible foundation movement, collapsed steps, or major exterior damage in provided photos. Property includes shed and extra parking as listed, which is positive for rental use."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms shown in photos — likely inspection fail if absent.",
"No visible GFCI protection at kitchen sink/outlet — potential immediate fail under NSPIRE if absent.",
"Fireplace/chimney operability and venting not documented — potential hazard if operable without inspection/clearance."
],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not present or were not visible in photos; they will need verification/installation.",
"Kitchen countertop outlet does not show a visible GFCI device; assume GFCI protection may be absent unless on a GFCI breaker (not visible).",
"Heating and cooling system exists and is operational based on visible supply registers and an exterior condenser; full operational status unknown.",
"Water heater and electrical panel are present but were not photographed; assumed serviceable but should be verified by inspection.",
"Fireplace may be decorative or connected to the chimney — operability and venting are unknown and should be inspected before use.",
"No rental history in the last 5 years (data missing) so rental_history_activity criterion is excluded from scoring."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "731 5th St, Findlay, OH, 45840",
"aggregate": {
"summary": "This 3-bed ranch appears to be in good cosmetic and functional condition and is close to rent-ready for a Housing Choice Voucher inspection. New flooring, fresh paint and included appliances reduce repair needs. Main inspection/verification items that must be confirmed before move‑in: presence and placement/function of smoke and CO detectors, functioning GFCI protection in kitchen/bath (or GFCI at panel), operation of HVAC and hot water, and fireplace compliance/condition. No visible structural failures or severe exterior deterioration were observed; expected work would be minor repairs and verification testing to reach passable NSPIRE standards.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.7,
"rationale": "Interior photos show fresh paint, new luxury vinyl plank and new carpet as advertised, and kitchen appliances present (stove and refrigerator). Cosmetic condition appears good; cabinetry is older but serviceable. Minor ceiling seams/cracks are visible in living area and will need patching/taping/paint. Exterior brick and trim look intact. Overall only minor cosmetic work and typical touch-ups appear required; missing visual evidence of the bathroom means small unknowns remain but nothing in photos suggests major deferred maintenance."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Well-maintained brick exterior, attached garage, fenced yard and a shed are visible in photos. Gutters appear present and roofline looks even. Driveway and parking are adequate. Snow covers most ground so drainage and walkway surface conditions cannot be fully inspected; however no visible foundation displacement, major cracks, or exterior deterioration is evident in images provided."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 68.3,
"rationale": "No obvious life‑threatening hazards visible: no collapsed ceilings, major roof sag, or standing water in photos. Central HVAC vents present. However crucial NSPIRE items are not shown: smoke/CO detectors are not visible, bedroom egress and interior stair/handrail details are not shown, and the kitchen outlet shown appears to be a standard duplex rather than a visible GFCI near the sink (could be GFCI at breaker). There is a wood/fireplace opening that will require screening/inspection or permanent closure if nonfunctional. Because many required compliance items cannot be visually confirmed, this category is reduced to reflect verification risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/electrical/plumbing)",
"score": 72.7,
"rationale": "Exterior photo shows a modern HVAC condenser at the side of the house and supply/return vents in living area, indicating central forced-air heating/AC is present. Roof appears shingled with no visible sag even though partially snow-covered. Stove is electric and appears connected. Water heater and main electrical panel are not shown (unknown). No exposed wiring is visible in interior photos. Because major systems are implied but not fully documented (panel/water heater/age/operation), score reflects probable functionality with need for verification and testing."
}
],
"red_flags": [
"No smoke detectors or CO alarms visible in photos — must verify presence and placement before inspection.",
"No visible GFCI receptacle in the kitchen sink area (standard duplex outlet shown) — require verification of GFCI protection at outlet or breaker.",
"Fireplace condition and safe operation not documented — requires inspection/clearance or permanent closure/guarding to meet safety code."
],
"confidence": 0.85,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be present but need verification and batteries tested.",
"Water heater and electrical service/panel exist but are not shown; assume typical location in garage/utility area and that breaker-based GFCI protection is possible.",
"Kitchen appliances shown (refrigerator and electric range) are included and operable as stated in listing, but electrical connections and range operation should be tested.",
"Snow obscures roof details, walkways and yard drainage; roof appears even under snow and is assumed free of active leaks based on no visible interior staining.",
"Fireplace is visible and appears decorative or operable; assume it has not been recently inspected — it will require inspection/clearance if intended for use.",
"Bedroom egress windows exist (typical for a ranch) but exact window sizes and escape compliance cannot be confirmed from provided photos."
],
"score_method": "mean_of_criteria",
"overall_score": 75.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4063916097"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.