Property ID: 4158353896

3 Russell St, Pittsburgh, PA, 15214

Pittsburgh, PA

For Sale Feb 25, 2026 12:18 AM UTC Realtor Zillow Street View Rent Zestimate
Money Down: $33,576 CoC Return: 47.90% Monthly Cash Flow: $1,340
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$27,980
Closing Costs
$5,596
Total Down
$33,576
Primary property image

Investment Snapshot

Purchase Price
$139,900
Money Down
$33,576
Cash-on-Cash Return
47.90%
Rent
$2,455
Monthly Cash Flow
$1,340
Annual Cash Flow
$16,083
Debt Service / Mo
$745
Property Tax / Mo
$25
Insurance / Mo
$99

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$2,455
Payment Standard
$2,952
Rent
$2,455
Insurance
$99
Property Tax
$25
Management
$246
Utilities Allowance
$497
NOI (Monthly)
$2,085
Debt Service
$745
Cash Flow After Debt
$1,340

Quality Score: 62.80%

Confidence: 84.00%

Overall this 3-bed/1-bath single-family appears largely renovated and fairly close to Section 8 / HCV inspection readiness. The interior finishes, updated kitchen and presence of appliances, plus recent rental history, are strong positives. Moderate concerns that require attention before an inspector signs off: water-stained ceiling tiles (possible active or prior leak that must be investigated and repaired), unclear presence/placement of smoke and CO detectors, exterior electrical cable routing/fastening looks messy, and egress from the third-floor/attic bedroom is not clearly documented in photos. With targeted repairs (roof/plumbing leak repair if active, replace stained ceiling tiles/finish, verify/repair exterior wiring, install/verify smoke & CO detectors, confirm egress and GFCI outlets) the property should be rentable within 2–4 weeks.

Section 8 Payment Standard
$2,952
Utility Allowance Total
$497
Guaranteed Section 8 Rent (PS - Utilities)
$2,455
Property Management
$246

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$139,900
Beds
3
Baths
1
Living Area
1,400 sqft
Lot Size
1,394 sqft
Year Built
1900
Days on Market
265
Capital Outlay
$33,576
Debt Service
$745
Property Tax / Mo
$25
Insurance / Mo
$99

Property Description

Don't miss this beautifully renovated 3-bedroom, 1-bathroom home located on a quiet street in Perry South. This move-in ready single-family residence features new flooring and fresh paint throughout, along with central heating and air conditioning for year-round comfort. The main level offers a spacious living room, formal dining area, and a beautifully updated kitchen with butcher block countertops and stainless steel appliances, including a range, refrigerator, built-in microwave, and dishwasher. Enjoy outdoor living with both front and rear decks, plus the convenience of two off-street parking spaces in the rear. Upstairs, you'll find two comfortable bedrooms and a full bathroom on the second floor, with a third bedroom located on the third floor. A clean basement with washer and dryer hookups provides additional storage and functionality. Great opportunity for homeowners or investors!

Utility Allowances

Heating
$82
Selected 'natural_gas' for a 3-bedroom unit. Property description indicates 'central heating' and 'Forced Air, Gas'.
Air Conditioning
$17
Selected for a 3-bedroom unit. Property description confirms 'central heating and air conditioning' and 'Central Air'.
Cooking
$14
Selected 'electric' for a 3-bedroom unit. The range type is not specified as gas, so the more expensive electric option was chosen per instructions.
Water Heating
$24
Selected 'natural_gas' for a 3-bedroom unit. The presence of gas for heating makes it the most likely fuel for water heating.
Water
$101
Selected for a 3-bedroom unit. Property details state 'Water Source: Public'.
Sewer
$147
Selected for a 3-bedroom unit. Property details state 'Sewer: Public'.
Trash Collection
$0
Included as a standard utility for a single-family home, but the allowance is $0 as the provided schedule contains no value for this item.
Other Electric
$75
Selected for a 3-bedroom unit. This covers general electrical use like lighting and outlets.
Refrigerator
$19
Selected for a 3-bedroom unit. This allowance covers the tenant's cost for electricity consumption, even though the appliance is provided by the landlord.
Range/Microwave
$18
Selected for a 3-bedroom unit. This allowance covers the tenant's cost for electricity consumption, even though the appliances are provided by the landlord.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$951
DP3 Annual Estimate$1,431
DP1 Monthly Equivalent$79
DP3 Monthly Equivalent$119
Replacement Value$300,000
Basis1,400 sqft / 1900

Nearby Houses

Nearby house 1
Photo unavailable

318 W Burgess St

sold · 0.05 mi
Price: $240,000
4 bd / 3 ba · 1,836 sqft
Latest sale: $240,000 on May 31, 2023
Latest rent: —
Nearby house 2
Photo unavailable

316 W Burgess St

off_market · 0.05 mi
Price: $67,000
5 bd / 1 ba · 1,834 sqft
Latest sale: $25,275
Latest rent: —
Nearby house 3
Photo unavailable

323 W Burgess St

sold · 0.06 mi
Price: $145,000
2 bd / 2 ba
Latest sale: $145,000 on Jan 31, 2025
Latest rent: $1,200 on Oct 29, 2024
Nearby house 4
Photo unavailable

311-313 W Burgess St

off_market · 0.08 mi
Price: $875
2 bd / 1 ba · 1,100 sqft
Latest sale: $307,500 on Jan 09, 2025
Latest rent: $875 on Aug 13, 2025
Nearby house 5
Photo unavailable

312 Elsdon St

off_market · 0.08 mi
Price: $19,900
— bd / — ba
Latest sale: $900
Latest rent: —
Nearby house 6
Photo unavailable

316 Chester Ave

sold · 0.10 mi
Price: $83,500
2 bd / 2 ba · 925 sqft
Latest sale: $83,500 on Nov 04, 2022
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success
  • Ceiling water stains and localized ceiling deformation (possible active or recent leak) — investigate and repair before inspection.
  • Clustered/exposed exterior wiring near meter and along siding — needs securing and possible electrician assessment.
  • No visible smoke detectors or CO alarms in photos — must install/verify proper detectors and locations.
  • Unclear egress for third-floor/attic bedroom — must verify window size and operation meets code for sleeping room.
  • Overgrown vegetation at retaining wall/under porch could conceal deterioration; front stone steps present trip hazard.

Assumptions

  • Central heating and air conditioning are operational as stated in listing but systems were not photographed for verification.
  • Kitchen appliances (range, refrigerator, microwave, dishwasher) are present and functional based on photos and listing text.
  • Water heater exists and provides hot water but was not photographed; hot water functionality is assumed but must be verified.
  • Electrical service and panel are present and intact (meter shown), but interior panel condition and circuit labeling were not provided.
  • Smoke and carbon monoxide detectors are not visible in photos; assume they are absent or not correctly placed until verified.
  • Third-floor / attic bedroom egress is uncertain from photos; assume it may not meet 1:1 egress requirements without verification.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $296 $12,000 $12,000
2024 $276 $12,000 $12,000
2023 $276 $12,000 $12,000
2022 $272 $12,000 $12,000
2021 $272 $12,000 $12,000
2020 $271 $12,000 $12,000
2019 $271 $12,000 $12,000
2018 $271 $12,000 $12,000
2017 $271 $12,000 $12,000
2016 $274 $12,000 $12,000
2015 $274 $12,000 $12,000
2014 $263 $12,000 $12,000
2013 $754 $28,800 $28,800
2012 $130 $4,300 $4,300
2011 $126 $4,300 $4,300
2010 $126 $4,300 $4,300
2009 $126 $4,300 $4,300
2008 $126 $4,300 $4,300

Sale History

DateEventPrice
2022-05-12 Sold $75,000
1996-12-30 Sold $500

Rental History

DateEventPriceSource
2023-04-28 Listed for rent $1,295
2023-02-20 Listed for rent $1,395

Photo Gallery

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              "Directions: Take I-579 N and I-279 to East St. Take exit 3 from I-279. Continue on East St. Take Suffolk St and E Burgess St to Russell Ave.",
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            "source_name": "WestPenn",
            "price_change": 0,
            "days_after_listed": "104 days",
            "source_listing_id": "1315471",
            "price_change_percentage": null
          },
          {
            "date": "2017-12-09",
            "price": 74500,
            "listing": {
              "status": "off_market",
              "list_date": "2017-12-09T07:00:00Z",
              "list_price": 74500,
              "listing_id": "605360389",
              "last_update_date": "2018-01-29T23:20:42Z",
              "last_status_change_date": "2017-12-09T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": null,
            "source_name": "WestPenn",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "1315471",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": false
  },
  "property_id": "4158353896",
  "generated_at": "2026-02-25T00:18:41.183529Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 62.8
  },
  "utility_allowance": {
    "zip_code": "15214",
    "home_photo": "https://ap.rdcpix.com/33ba83989fac80b8af3dd560c016cf23l-m3600391637s-w1280.jpg",
    "rent_price": 2455.0,
    "loan_amount": 111920.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/3-Russell-St_Pittsburgh_PA_15214_M41583-53896",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 139900.0,
    "loan_term_years": 30,
    "annual_cash_flow": 25018.12,
    "mortgage_monthly": 744.61,
    "payment_standard": 2952.0,
    "total_amount_out": 27980.0,
    "additional_photos": [
      "https://ap.rdcpix.com/33ba83989fac80b8af3dd560c016cf23l-m19766091s-w1280.jpg",
      "https://ap.rdcpix.com/33ba83989fac80b8af3dd560c016cf23l-m754429899s-w1280.jpg",
      "https://ap.rdcpix.com/33ba83989fac80b8af3dd560c016cf23l-m1888663636s-w1280.jpg",
      "https://ap.rdcpix.com/33ba83989fac80b8af3dd560c016cf23l-m587764379s-w1280.jpg",
      "https://ap.rdcpix.com/33ba83989fac80b8af3dd560c016cf23l-m292479122s-w1280.jpg",
      "https://ap.rdcpix.com/33ba83989fac80b8af3dd560c016cf23l-m1070638448s-w1280.jpg",
      "https://ap.rdcpix.com/33ba83989fac80b8af3dd560c016cf23l-m1871708973s-w1280.jpg",
      "https://ap.rdcpix.com/33ba83989fac80b8af3dd560c016cf23l-m1373713829s-w1280.jpg",
      "https://ap.rdcpix.com/33ba83989fac80b8af3dd560c016cf23l-m1155710067s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 99.25,
    "monthly_cash_flow": 2084.84,
    "property_tax_rate": 0.0168,
    "_utility_allowance": {
      "sources": [
        "https://hacp.org/app/uploads/2025/10/2026-HCV-Utility-Allowance-Schedule.pdf",
        "https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
        "https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf"
      ],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "Selected 'natural_gas' for a 3-bedroom unit. Property description indicates 'central heating' and 'Forced Air, Gas'.",
        "utility": "Heating",
        "allowance": 82
      },
      {
        "note": "Selected for a 3-bedroom unit. Property description confirms 'central heating and air conditioning' and 'Central Air'.",
        "utility": "Air Conditioning",
        "allowance": 17
      },
      {
        "note": "Selected 'electric' for a 3-bedroom unit. The range type is not specified as gas, so the more expensive electric option was chosen per instructions.",
        "utility": "Cooking",
        "allowance": 14
      },
      {
        "note": "Selected 'natural_gas' for a 3-bedroom unit. The presence of gas for heating makes it the most likely fuel for water heating.",
        "utility": "Water Heating",
        "allowance": 24
      },
      {
        "note": "Selected for a 3-bedroom unit. Property details state 'Water Source: Public'.",
        "utility": "Water",
        "allowance": 101
      },
      {
        "note": "Selected for a 3-bedroom unit. Property details state 'Sewer: Public'.",
        "utility": "Sewer",
        "allowance": 147
      },
      {
        "note": "Included as a standard utility for a single-family home, but the allowance is $0 as the provided schedule contains no value for this item.",
        "utility": "Trash Collection",
        "allowance": 0
      },
      {
        "note": "Selected for a 3-bedroom unit. This covers general electrical use like lighting and outlets.",
        "utility": "Other Electric",
        "allowance": 75
      },
      {
        "note": "Selected for a 3-bedroom unit. This allowance covers the tenant's cost for electricity consumption, even though the appliance is provided by the landlord.",
        "utility": "Refrigerator",
        "allowance": 19
      },
      {
        "note": "Selected for a 3-bedroom unit. This allowance covers the tenant's cost for electricity consumption, even though the appliances are provided by the landlord.",
        "utility": "Range/Microwave",
        "allowance": 18
      }
    ],
    "cash_on_cash_return": 0.89,
    "down_payment_amount": 27980.0,
    "property_tax_annual": 304.88,
    "property_tax_monthly": 25.41,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 497.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
        "https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
        "https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf",
        "https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf",
        "https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf",
        "https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf",
        "https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf",
        "https://hacp.org/doing-business/landlord-resources/"
      ],
      "effective_date": "2026-01-01"
    },
    "property_tax_history_year": 2025,
    "annual_cash_flow_after_debt": 16082.84,
    "property_management_monthly": 245.5,
    "monthly_cash_flow_after_debt": 1340.24,
    "cash_on_cash_return_after_debt": 0.57
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall this 3-bed/1-bath single-family appears largely renovated and fairly close to Section 8 / HCV inspection readiness. The interior finishes, updated kitchen and presence of appliances, plus recent rental history, are strong positives. Moderate concerns that require attention before an inspector signs off: water-stained ceiling tiles (possible active or prior leak that must be investigated and repaired), unclear presence/placement of smoke and CO detectors, exterior electrical cable routing/fastening looks messy, and egress from the third-floor/attic bedroom is not clearly documented in photos. With targeted repairs (roof/plumbing leak repair if active, replace stained ceiling tiles/finish, verify/repair exterior wiring, install/verify smoke & CO detectors, confirm egress and GFCI outlets) the property should be rentable within 2–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 75.0,
            "rationale": "Interior appears recently updated (new flooring, fresh paint, updated kitchen with appliances). Minor deferred maintenance visible: stained/drop ceiling tiles with water staining in main/lower level, some cosmetic damage and clutter, carpeted bedrooms show wear and need cleaning. Porches, decks and stairs appear functional but porch underside shows open skirting and vegetation. Missing or damaged ceiling tiles and cosmetic defects reduce score but major structural elements look intact."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 60.0,
            "rationale": "Visible safety concerns: multiple ceiling tiles with water stains (possible active/recent leak) and some local ceiling deformation in the attic ceiling area; exterior electrical/multi-cable cluster along siding which looks messy (risk of unsecured wiring though meter appears mounted); no visible smoke or CO detectors in photos; third-floor/attic bedroom egress is unclear from photos (windows are small and dormered). Porch has guardrail present but front stone steps and vegetation may create trip hazards. Plumbing fixtures and bathroom present but hot water and GFCI presence not shown. These items pose moderate NSPIRE risk that would likely require quick fixes / documentation to pass."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems / Mechanical",
            "score": 65.0,
            "rationale": "Listing states central heating and air conditioning and photos show registers and a modern kitchen with electric range and refrigerator — suggesting functional mechanical systems. No HVAC equipment, water heater, or electrical panel interior shown for verification. Water stains indicate a roof or plumbing leak event which could have affected systems if untreated. Exterior meter is present; condition of service drop and conduit looks cluttered but not obviously unsafe. Overall systems appear present but not fully verifiable from photos; moderate risk until HVAC, water heater, and electrical panel are verified functional."
          },
          {
            "key": "exterior_site",
            "label": "Exterior / Site Condition",
            "score": 60.0,
            "rationale": "Exterior siding generally intact but shows age; retaining stone wall and front steps have heavy vegetation growth that needs clearing and could hide deterioration; rear yard and parking area are functional with two off-street spaces. Front porch and upper deck are present; under-porch area is open and vegetation-ridden. Roof appears intact from rear photo but chimney shows staining; visible yard/trip hazards and overgrown planting reduce score. No obvious standing water or severe foundation displacement visible in provided photos."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental Activity (bonus)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Ceiling water stains and localized ceiling deformation (possible active or recent leak) — investigate and repair before inspection.",
          "Clustered/exposed exterior wiring near meter and along siding — needs securing and possible electrician assessment.",
          "No visible smoke detectors or CO alarms in photos — must install/verify proper detectors and locations.",
          "Unclear egress for third-floor/attic bedroom — must verify window size and operation meets code for sleeping room.",
          "Overgrown vegetation at retaining wall/under porch could conceal deterioration; front stone steps present trip hazard."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Central heating and air conditioning are operational as stated in listing but systems were not photographed for verification.",
          "Kitchen appliances (range, refrigerator, microwave, dishwasher) are present and functional based on photos and listing text.",
          "Water heater exists and provides hot water but was not photographed; hot water functionality is assumed but must be verified.",
          "Electrical service and panel are present and intact (meter shown), but interior panel condition and circuit labeling were not provided.",
          "Smoke and carbon monoxide detectors are not visible in photos; assume they are absent or not correctly placed until verified.",
          "Third-floor / attic bedroom egress is uncertain from photos; assume it may not meet 1:1 egress requirements without verification."
        ],
        "overall_score": 71.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall the property appears mostly renovated and has the major components for a Section 8 tenancy (functional kitchen, appliances, central HVAC, laundry hookups, usable bedrooms). Key concerns that could cause an initial HCV/NSPIRE fail are ceiling water stains (possible active roof or plumbing leaks and associated mold), unsecured/untidy exterior electrical wiring, lack of visible smoke/CO detectors, and possible egress non-compliance on the 3rd-floor bedroom. With targeted repairs — roof/leak remediation, securing/examining electrical service, installing/confirming smoke & CO alarms, verifying egress on attic bedroom, and addressing minor finish items and exterior vegetation/drainage — this property could be rent-ready within 2–6 weeks. Current readiness rating: likely requires minor-to-moderate repairs before passing an initial inspection.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 65.0,
            "rationale": "Interior appears recently renovated in large part (new LVP floors, fresh paint, updated kitchen with appliances) which supports move-in readiness. Visible issues: several ceiling tiles with brown water stains in main/dining area and staining on the 3rd-floor ceiling (evidence of past/ongoing leaks), scattered clutter, some carpeted bedrooms, and a few loose or removed window/screens. Porch underside and exterior trim show aging and vegetation encroachment. Missing minor finish items likely (trim/vent covers). Appliances are present so missing-appliance penalty does not apply. Overall moderate repairs and targeted remediation of water damage and finish work required."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 55.0,
            "rationale": "Several inspection-risk items visible: multiple ceiling stains (potential active roof/pipe leaks and mold risk), no smoke or carbon-monoxide detectors visible in photos (required), unclear egress compliance for the 3rd-floor bedroom (sloped ceilings may limit egress window size), exterior electrical/messenger cables appear loosely routed and bundled near the meter (possible code/securement issue). Interior lighting and fixtures appear present; bathroom and kitchen fixtures appear functional. Because of the water-stain pattern and uncertain egress and detectors, immediate code corrections are likely required before a voucher inspection would pass."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical Condition",
            "score": 60.0,
            "rationale": "Listing states central heating and air; supply vents are visible in bedrooms indicating centralized HVAC likely present. Kitchen and laundry hookups are present; appliances (range, refrigerator, microwave, dishwasher) shown. Water heater, electrical panel, and HVAC equipment are not shown — condition must be verified. Evidence of water staining on ceilings raises concerns about roof or plumbing leaks and possible moisture intrusion affecting systems. Exterior meter is present but wiring appears disorderly; electrical service likely functional but should be inspected/secured. Overall systems appear present but require verification and targeted repairs."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 60.0,
            "rationale": "Exterior has intact siding but shows age, dirt, and vine overgrowth against the foundation which can create moisture/drainage issues. Stone retaining wall and front stairs appear intact but vegetation and lack of gutter/downspout evidence suggest potential drainage toward foundation. Rear shows off-street parking and usable yard. Porch and deck railings are present but underside of porch/deck shows exposed framing; stair and pathway surfaces are uneven/overgrown in places. No clear evidence of collapsed structures, but moderate yard/site maintenance and corrections to drainage/vegetation recommended."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental Activity (bonus)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Ceiling water stains in multiple locations — potential active roof or plumbing leaks and mold risk.",
          "Unsecured/untidy exterior electrical wiring near meter — potential electrical/code hazard.",
          "No visible smoke or carbon monoxide detectors in photos — NSPIRE requirement.",
          "Possible lack of compliant egress in the 3rd-floor bedroom (sloped ceiling) — life-safety risk for sleeping room.",
          "Vegetation directly against foundation and overgrowth on retaining wall — drainage and moisture risk that can lead to foundation/structural issues."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Central HVAC is present and operational as stated in the listing (vent visible in photos); full HVAC inspection not performed.",
          "Hot water and water heater are present and functioning though not photographed; plumbing fixtures in kitchen and bath appear usable.",
          "Basement is 'clean' per listing; no active standing water or major structural issues in basement are assumed because photos/descriptions claim it is clean, but not directly verified.",
          "Smoke and carbon-monoxide detectors are not visible in photos and therefore are assumed absent or not optimally placed — must be installed/verified per NSPIRE.",
          "Third-floor bedroom egress is uncertain due to sloped ceilings and limited window visibility in photos; assume potential egress non-compliance until measured.",
          "Exterior wiring/meter is functional but appears loosely routed; assume it requires securing/assessment by electrician.",
          "Ceiling stains indicate past or ongoing water intrusion; assume some remediation and investigation are required to confirm source (roof vs plumbing)."
        ],
        "overall_score": 63.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This 3-bed single-family appears mostly renovated and fairly close to turnkey: kitchen appliances, central HVAC, updated floors and paint make it attractive for Section 8 tenancy. Key inspection risks are ceiling water stains/sagging (possible roof or plumbing leak), unclear/insufficient guardrail/handrail at the top of the attic stairs, and disorganized exterior electrical wiring. Smoke and CO detectors are not visible in photos and should be installed/verified. With prompt attention to leak source and ceiling repairs, electrical tidy/repairs, detector installation, and a quick exterior/porch support check, the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks depending on repairs and trades scheduling.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 70.0,
            "rationale": "Interior appears recently renovated in many spaces (new flooring, fresh paint, updated kitchen and appliances). Observable repair items are mainly cosmetic and moderate: seam/lift in flooring in one room, stained/damaged drop ceiling tiles in dining area and attic-level ceiling showing water staining and local sagging, some clutter/cleaning required, and porch underside/exposed deck framing with vegetation. Appliances (range, refrigerator, microwave, dishwasher) are shown in place which improves turnkey readiness. Overall mostly cosmetic / moderate repairs; budget and time to correct water-stain areas and replace/repair ceiling tiles and address porch framing is required but not major structural rehab."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 50.0,
            "rationale": "Several NSPIRE-relevant concerns observed or reasonably inferred: no smoke detectors are visible in photos, no CO detector visible, ceiling water stains and localized sagging could indicate active/recurring leak (potential mold or ceiling failure risk), the top of the attic stair/opening has a short half-wall that may not meet required guardrail/handrail heights, and exterior electrical wires are disorganized around the meter. Bedroom windows are present but the third-floor/attic room has low/sloped ceilings and egress adequacy is uncertain. Plumbing fixtures and bathroom appear functional. These are moderate inspection risks; some are correctable quickly (detectors, guardrail modification), others (roof/leak confirmation, electrical tidy/repair) may require trades."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems and mechanical condition",
            "score": 60.0,
            "rationale": "Listing and photos indicate central heating and air conditioning and visible supply/return vent in a bedroom (HVAC present). Kitchen appliances are modern stainless. Plumbing fixtures visible and laundry hookups noted in listing and basement present. Water heater not photographed. Exterior roof is visible in some photos and appears generally intact, but ceiling water stains indicate prior or possible active roof or plumbing leaks—requires inspection. Exterior electrical meter and multiple surface-mounted cables are present and somewhat messy; meter appears intact but wiring should be evaluated by an electrician. Overall systems appear present and likely functional but there are moderate risks (possible roof leak, exterior wiring) that warrant verification."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, site and safety",
            "score": 65.0,
            "rationale": "Exterior shows older siding and masonry retaining wall with heavy vegetation growth. Driveway offers off-street parking spaces as described, and rear yard is usable though a bit overgrown. Front porch has railings but the underside/exposed deck framing and vegetation suggest review of porch supports and drainage. Walkway/drives show cracking but are usable. No visible standing water in photos, but vegetation against foundation and unmaintained plant growth are concerns for long-term moisture. Overall exterior is functional but needs moderate cleanup, vegetation removal, and inspection of porch/deck supports and drainage."
          },
          {
            "key": "rental_history_activity",
            "label": "Evidence of recent rental activity (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Ceiling water stains and localized sagging in multiple locations — possible active roof or plumbing leak (needs prompt investigation and repair).",
          "Top of attic/stair opening has a short half-wall and no visible compliant guardrail/handrail — safety/egress hazard likely to fail inspection.",
          "Exterior electrical wiring and cabling around the meter is disorganized and potentially unsecured — electrical safety concern requiring electrician assessment.",
          "Porch underside/exposed deck framing and vegetation growth against foundation — potential rot/structural or drainage issue under porch.",
          "Property built 1900 — potential lead-based paint hazard (pre-1978) to be addressed per HUD/NSPIRE requirements if present.",
          "No visible smoke detectors or carbon monoxide detector in photos — will fail NSPIRE if not installed and positioned correctly."
        ],
        "confidence": 0.75,
        "assumptions": [
          "Listing text is accurate: central heating & A/C are present and functional; kitchen appliances (range, refrigerator, microwave, dishwasher) are included and working.",
          "Water heater and main mechanicals (furnace/AC) are present in basement as typical for the area though not pictured; their operation is unverified from photos.",
          "No smoke or carbon monoxide detectors are installed or visible in provided photos; I assume none are reliably installed where required.",
          "Ceiling stains and localized sagging indicate prior or possible active leak; the source (roof vs plumbing) is not identified in photos and requires inspection.",
          "Third-floor (attic) bedroom egress and the top-of-stair guardrail likely do not meet modern guardrail/egress height/clearance standards based on photos; exact measurements unknown.",
          "Exterior electrical meter is intact but the surface-mounted cables and loose wiring are messy and may require electrician corrective work; hidden internal panel condition unknown.",
          "Because the house was built in 1900, pre-1978 lead-based paint risk exists even though no peeling paint was clearly photographed.",
          "Rental history (event_count_5y = 2, last_event_date 2023-04-28, status present) is treated as a positive bonus to readiness and contributed +5 points to the final overall_score."
        ],
        "overall_score": 67.0,
        "rubric_version": "nsPIRE-v1-photo-assessment-2026-02"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "3 Russell St, Pittsburgh, PA, 15214",
    "aggregate": {
      "summary": "Overall this 3-bed/1-bath single-family appears largely renovated and fairly close to Section 8 / HCV inspection readiness. The interior finishes, updated kitchen and presence of appliances, plus recent rental history, are strong positives. Moderate concerns that require attention before an inspector signs off: water-stained ceiling tiles (possible active or prior leak that must be investigated and repaired), unclear presence/placement of smoke and CO detectors, exterior electrical cable routing/fastening looks messy, and egress from the third-floor/attic bedroom is not clearly documented in photos. With targeted repairs (roof/plumbing leak repair if active, replace stained ceiling tiles/finish, verify/repair exterior wiring, install/verify smoke & CO detectors, confirm egress and GFCI outlets) the property should be rentable within 2–4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition / Repairs",
          "score": 70.0,
          "rationale": "Interior appears recently updated (new flooring, fresh paint, updated kitchen with appliances). Minor deferred maintenance visible: stained/drop ceiling tiles with water staining in main/lower level, some cosmetic damage and clutter, carpeted bedrooms show wear and need cleaning. Porches, decks and stairs appear functional but porch underside shows open skirting and vegetation. Missing or damaged ceiling tiles and cosmetic defects reduce score but major structural elements look intact."
        },
        {
          "key": "exterior_site",
          "label": "Exterior / Site Condition",
          "score": 61.7,
          "rationale": "Exterior siding generally intact but shows age; retaining stone wall and front steps have heavy vegetation growth that needs clearing and could hide deterioration; rear yard and parking area are functional with two off-street spaces. Front porch and upper deck are present; under-porch area is open and vegetation-ridden. Roof appears intact from rear photo but chimney shows staining; visible yard/trip hazards and overgrown planting reduce score. No obvious standing water or severe foundation displacement visible in provided photos."
        },
        {
          "key": "rental_history_activity",
          "label": "Recent Rental Activity (bonus)",
          "score": 100.0,
          "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Compliance Risk",
          "score": 55.0,
          "rationale": "Visible safety concerns: multiple ceiling tiles with water stains (possible active/recent leak) and some local ceiling deformation in the attic ceiling area; exterior electrical/multi-cable cluster along siding which looks messy (risk of unsecured wiring though meter appears mounted); no visible smoke or CO detectors in photos; third-floor/attic bedroom egress is unclear from photos (windows are small and dormered). Porch has guardrail present but front stone steps and vegetation may create trip hazards. Plumbing fixtures and bathroom present but hot water and GFCI presence not shown. These items pose moderate NSPIRE risk that would likely require quick fixes / documentation to pass."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems / Mechanical",
          "score": 61.7,
          "rationale": "Listing states central heating and air conditioning and photos show registers and a modern kitchen with electric range and refrigerator — suggesting functional mechanical systems. No HVAC equipment, water heater, or electrical panel interior shown for verification. Water stains indicate a roof or plumbing leak event which could have affected systems if untreated. Exterior meter is present; condition of service drop and conduit looks cluttered but not obviously unsafe. Overall systems appear present but not fully verifiable from photos; moderate risk until HVAC, water heater, and electrical panel are verified functional."
        }
      ],
      "red_flags": [
        "Ceiling water stains and localized ceiling deformation (possible active or recent leak) — investigate and repair before inspection.",
        "Clustered/exposed exterior wiring near meter and along siding — needs securing and possible electrician assessment.",
        "No visible smoke detectors or CO alarms in photos — must install/verify proper detectors and locations.",
        "Unclear egress for third-floor/attic bedroom — must verify window size and operation meets code for sleeping room.",
        "Overgrown vegetation at retaining wall/under porch could conceal deterioration; front stone steps present trip hazard."
      ],
      "confidence": 0.84,
      "assumptions": [
        "Central heating and air conditioning are operational as stated in listing but systems were not photographed for verification.",
        "Kitchen appliances (range, refrigerator, microwave, dishwasher) are present and functional based on photos and listing text.",
        "Water heater exists and provides hot water but was not photographed; hot water functionality is assumed but must be verified.",
        "Electrical service and panel are present and intact (meter shown), but interior panel condition and circuit labeling were not provided.",
        "Smoke and carbon monoxide detectors are not visible in photos; assume they are absent or not correctly placed until verified.",
        "Third-floor / attic bedroom egress is uncertain from photos; assume it may not meet 1:1 egress requirements without verification."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 62.8,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "4158353896"
  }
}

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