Property ID: 4174968606
807 W Main Cross St, Findlay, OH, 45840
Findlay, OH
Money Down: $43,176
CoC Return: -1.32%
Monthly Cash Flow: $-47
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,980
Closing Costs
$7,196
Total Down
$43,176
Investment Snapshot
Purchase Price
$179,900
Money Down
$43,176
Cash-on-Cash Return
-1.32%
Rent
$1,231
Monthly Cash Flow
$-47
Annual Cash Flow
$-568
Debt Service / Mo
$958
Property Tax / Mo
$147
Insurance / Mo
$51
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,231
Payment Standard
$1,484
Rent
$1,231
Insurance
$51
Property Tax
$147
Management
$123
Utilities Allowance
$253
NOI (Monthly)
$910
Debt Service
$958
Cash Flow After Debt
$-47
Quality Score: 67.40%
Confidence: 84.00%
This single-family house is mostly in good cosmetic condition and likely could pass an initial HCV/NSPIRE inspection after addressing a small number of code items. Primary concerns to resolve before inspection: install/verify functioning smoke detectors (and CO alarms where required), verify/upgrade GFCI protection at kitchen/bath outlets, and investigate/repair the localized sagging ceiling tiles (possible moisture damage). Major structural or life-safety issues are not evident in the photos. Expect minor-to-moderate fixes; property could be rent-ready within ~2–4 weeks after addressing detectors, GFCI, and ceiling repairs and confirming mechanical systems operate.
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
$179,900
Beds
3
Baths
1.5
Living Area
1,658 sqft
Lot Size
9,148 sqft
Year Built
1900
Days on Market
63
Capital Outlay
$43,176
Debt Service
$958
Property Tax / Mo
$147
Insurance / Mo
$51
Property Description
Looking for a home that blends charm, flexibility, and an unbeatable in-town location? This inviting two-story delivers it all. Enjoy morning coffee on the front porch, inside features a functional layout with a cozy living room, dining area, and kitchen with convenient main-floor laundry. A main-floor bedroom with half bath offers the perfect setup for guests, a home office, or single-level living. Upstairs, two additional bedrooms and a full bath provide privacy and comfort. Outside, a fully fenced yard is ideal for pets, play, and entertaining, while alley access leads to off-street parking and a one-car attached garage. Located close to shops, dining, and daily essentials, this home offers the space you need, the features you want, and the lifestyle you've been looking for.
Utility Allowances
Heating - Natural Gas
$75
The property is listed as having 'Natural Gas' and 'Natural Gas Connected' for heating. Natural Gas was selected as the most likely fuel source.
Cooking - Electric
$13
The property's appliance list includes an 'Electric Range', indicating electric cooking.
Water Heating - Natural Gas
$33
The property details list 'Natural Gas Connected' and a 'Boiler', which often provides hot water. Natural gas is the most plausible and consistent fuel choice.
Other Electric
$39
This is a standard charge for general electricity usage (lights, small appliances) in a 3-bedroom home.
Sewer
$36
The property is connected to 'Sanitary Sewer' according to the listing details.
Water
$32
The property's water source is listed as 'Public' and 'Water Connected'.
Trash Collection
$25
Trash collection is a standard utility for single-family homes and is included based on best judgment.
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$594
DP3 Annual Estimate$621
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$52
Replacement Value$112,430
Basis1,658 sqft / 1900
Nearby Houses
Photo unavailable
823 W Main Cross St
sold · 0.03 mi
Price: $193,000
4 bd / 2 ba · 1,695 sqft
Latest sale: $193,000 on Nov 16, 2021
Latest rent: —
Photo unavailable
728 Adams St
sold · 0.04 mi
Price: $50,000
3 bd / 1 ba · 1,120 sqft
Latest sale: $50,000 on Oct 16, 2020
Latest rent: —
Photo unavailable
810 W Main Cross St
sold · 0.05 mi
Price: $171,000
4 bd / 3 ba · 1,748 sqft
Latest sale: $171,000 on Apr 03, 2020
Latest rent: —
Photo unavailable
812 W Main Cross St
sold · 0.05 mi
Price: $155,000
3 bd / 1 ba · 1,589 sqft
Latest sale: $155,000 on Oct 23, 2023
Latest rent: $1,699 on Oct 23, 2023
Photo unavailable
701 Adams St
sold · 0.07 mi
Price: $275,000
— bd / — ba
Latest sale: $275,000 on Sep 07, 2018
Latest rent: —
Photo unavailable
819 Adams St
sold · 0.07 mi
Price: $194,000
3 bd / 3 ba · 1,441 sqft
Latest sale: $194,000 on Aug 14, 2024
Latest rent: —
Photo unavailable
714 W Main Cross St
sold · 0.07 mi
Price: $100,000
3 bd / 1 ba · 1,971 sqft
Latest sale: $100,000 on Nov 04, 2016
Latest rent: —
Photo unavailable
901 W Main Cross St
sold · 0.07 mi
Price: $187,000
3 bd / 2 ba · 1,440 sqft
Latest sale: $187,000 on Oct 19, 2023
Latest rent: —
Photo unavailable
218 Shinkle St
sold · 0.08 mi
Price: $88,400
3 bd / 1 ba · 1,118 sqft
Latest sale: $88,400 on Jun 30, 2016
Latest rent: —
Photo unavailable
216 Shinkle St
sold · 0.09 mi
Price: $106,000
4 bd / 2 ba · 1,506 sqft
Latest sale: $106,000 on May 20, 2016
Latest rent: —
Photo unavailable
808 Putnam St
sold · 0.09 mi
Price: $185,000
4 bd / 3 ba · 1,754 sqft
Latest sale: $185,000 on Jul 09, 2024
Latest rent: —
Photo unavailable
228 Western Ave
sold · 0.09 mi
Price: $90,000
4 bd / 2 ba · 1,648 sqft
Latest sale: $90,000 on May 29, 2020
Latest rent: —
Photo unavailable
831 Adams St
sold · 0.10 mi
Price: $195,000
3 bd / 2 ba · 1,612 sqft
Latest sale: $195,000 on Sep 09, 2025
Latest rent: $1,450 on Oct 05, 2023
Photo unavailable
730 Putnam St
sold · 0.10 mi
Price: $98,000
2 bd / 1 ba · 1,308 sqft
Latest sale: $98,000 on Aug 20, 2018
Latest rent: —
Photo unavailable
812 Putnam St
sold · 0.10 mi
Price: $147,900
3 bd / 1 ba · 1,336 sqft
Latest sale: $147,900 on Jun 21, 2021
Latest rent: —
Photo unavailable
219 Shinkle St
sold · 0.10 mi
Price: $106,000
— bd / — ba · 1,772 sqft
Latest sale: $106,000 on May 25, 2021
Latest rent: —
Photo unavailable
726 Putnam St
sold · 0.10 mi
Price: $149,900
2 bd / 1 ba · 954 sqft
Latest sale: $149,900 on Mar 06, 2023
Latest rent: —
Photo unavailable
724 Putnam St
sold · 0.10 mi
Price: $126,500
4 bd / 2 ba · 1,640 sqft
Latest sale: $126,500 on Jun 25, 2019
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Localized ceiling sagging / loose ceiling tiles (living area) — potential water intrusion or prior leak that must be investigated and repaired.
- No visible smoke detectors or CO alarms in listing photos — required for NSPIRE/Section 8 inspection.
- No visible GFCI protection at kitchen sink outlet — may fail electrical safety check.
- Mechanical systems (water heater, electrical panel, HVAC central AC) not shown — need functional verification prior to inspection.
Assumptions
- Listing photos represent current, accurate condition and no additional interior photos (basement, electrical panel, water heater) are available.
- Stove is present and functional; refrigerator not pictured and may need to be installed by owner or tenant.
- Heating is provided via the visible baseboard units; they are assumed serviceable but not tested.
- No smoke/CO detectors were visible in photos; assume they are absent or not properly located unless provided later.
- Electrical panel, water heater, HVAC/AC unit and plumbing condition are unknown because not pictured; they are assumed typical for a 1900 house with periodic maintenance.
- Windows provide required egress dimensions for bedrooms, as they appear full-size, but measurements were not provided.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,714 | $159,590 | $55,860 |
| 2023 | $1,606 | $128,700 | $45,040 |
| 2022 | $1,596 | $128,700 | $45,040 |
| 2021 | $1,571 | $110,290 | $38,602 |
| 2020 | $1,571 | $110,290 | $38,602 |
| 2018 | $1,375 | $90,400 | $31,640 |
| 2017 | $1,375 | $90,400 | $31,640 |
| 2016 | $1,362 | $90,400 | $31,640 |
| 2015 | $976 | $63,820 | $22,337 |
| 2014 | $976 | $63,820 | $22,337 |
| 2013 | $977 | $63,820 | $22,337 |
| 2012 | $982 | $63,820 | $22,340 |
| 2011 | $982 | $63,820 | $22,340 |
| 2010 | $982 | $63,820 | $22,340 |
| 2009 | $1,105 | $75,980 | $26,590 |
| 2008 | $1,002 | $75,980 | $26,590 |
| 2007 | $999 | $75,980 | $26,590 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-01-17 | Sold | $150,000 |
| 2008-02-15 | Sold | $85,000 |
| 2002-10-21 | Sold | $73,000 |
| 2000-02-01 | Sold | $50,000 |
| 1998-05-22 | Sold | $39,000 |
| 1995-04-13 | Sold | $56,000 |
Photo Gallery
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1998-05-22",
"price": 39000,
"listing": null,
"event_name": "Sold",
"price_sqft": 23.522316043425814,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1995-04-13",
"price": 56000,
"listing": null,
"event_name": "Sold",
"price_sqft": 33.775633293124244,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "4174968606",
"generated_at": "2026-02-24T23:20:31.318269Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.4
},
"utility_allowance": {
"zip_code": "45840",
"home_photo": "https://ap.rdcpix.com/046b14d38b12cbf4df43e8d872ebfbabl-m808740967s-w1280.jpg",
"rent_price": 1231.0,
"loan_amount": 143920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/807-W-Main-Cross-St_Findlay_OH_45840_M41749-68606",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 179900.0,
"loan_term_years": 30,
"annual_cash_flow": 10921.88,
"mortgage_monthly": 957.5,
"payment_standard": 1484.0,
"total_amount_out": 35980.0,
"additional_photos": [
"https://ap.rdcpix.com/046b14d38b12cbf4df43e8d872ebfbabl-m2453696390s-w1280.jpg",
"https://ap.rdcpix.com/046b14d38b12cbf4df43e8d872ebfbabl-m3091995725s-w1280.jpg",
"https://ap.rdcpix.com/046b14d38b12cbf4df43e8d872ebfbabl-m1489882396s-w1280.jpg",
"https://ap.rdcpix.com/046b14d38b12cbf4df43e8d872ebfbabl-m3172116398s-w1280.jpg",
"https://ap.rdcpix.com/046b14d38b12cbf4df43e8d872ebfbabl-m881134706s-w1280.jpg",
"https://ap.rdcpix.com/046b14d38b12cbf4df43e8d872ebfbabl-m173924033s-w1280.jpg",
"https://ap.rdcpix.com/046b14d38b12cbf4df43e8d872ebfbabl-m1617392244s-w1280.jpg",
"https://ap.rdcpix.com/046b14d38b12cbf4df43e8d872ebfbabl-m3979170701s-w1280.jpg",
"https://ap.rdcpix.com/046b14d38b12cbf4df43e8d872ebfbabl-m658367397s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 50.62,
"monthly_cash_flow": 910.16,
"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 is listed as having 'Natural Gas' and 'Natural Gas Connected' for heating. Natural Gas was selected as the most likely fuel source.",
"utility": "Heating - Natural Gas",
"allowance": 75
},
{
"note": "The property's appliance list includes an 'Electric Range', indicating electric cooking.",
"utility": "Cooking - Electric",
"allowance": 13
},
{
"note": "The property details list 'Natural Gas Connected' and a 'Boiler', which often provides hot water. Natural gas is the most plausible and consistent fuel choice.",
"utility": "Water Heating - Natural Gas",
"allowance": 33
},
{
"note": "This is a standard charge for general electricity usage (lights, small appliances) in a 3-bedroom home.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "The property is connected to 'Sanitary Sewer' according to the listing details.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "The property's water source is listed as 'Public' and 'Water Connected'.",
"utility": "Water",
"allowance": 32
},
{
"note": "Trash collection is a standard utility for single-family homes and is included based on best judgment.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 35980.0,
"property_tax_annual": 1765.42,
"property_tax_monthly": 147.12,
"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": -568.16,
"property_management_monthly": 123.1,
"monthly_cash_flow_after_debt": -47.35,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "This single-family house is mostly in good cosmetic condition and likely could pass an initial HCV/NSPIRE inspection after addressing a small number of code items. Primary concerns to resolve before inspection: install/verify functioning smoke detectors (and CO alarms where required), verify/upgrade GFCI protection at kitchen/bath outlets, and investigate/repair the localized sagging ceiling tiles (possible moisture damage). Major structural or life-safety issues are not evident in the photos. Expect minor-to-moderate fixes; property could be rent-ready within ~2–4 weeks after addressing detectors, GFCI, and ceiling repairs and confirming mechanical systems operate.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior and interior appear generally maintained. Siding, windows and porch look intact; hardwood floors are largely sound with only surface wear/staining visible. Kitchen and bathrooms are older but functional-looking; stove present (no refrigerator shown). Notable cosmetic/repair items: ceiling tiles show localized sagging/unevenness (living/dining area), scuffed trim and baseboards, minor concrete/step edge spalling at front planting bed. These are mostly repair/cosmetic items and do not indicate immediate structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Some safety risks visible or not-verifiable from photos. No smoke or carbon-monoxide detectors are visible in the images (required). Kitchen sink area shows a standard outlet — GFCI protection is not apparent. Ceiling tile sagging could indicate prior/active water intrusion that would need to be addressed. Porch and entry have handrails; windows appear large enough for egress but certifications/measurements are not visible. No exposed wiring or obvious electrical hazards seen. Because detectors and GFCI are not visible and ceiling condition suggests possible moisture, code risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Major mechanical components are not fully visible. Baseboard heating is present (radiator/boiler or electric baseboard), so a heating system exists; central AC/air handler not shown. Roof shingles are present but show age/discoloration — no obvious large open areas in photos but age could mean shorter remaining life. Water heater and electrical panel are not pictured. Stove is present and appears operable. Given limited visibility, assign moderate score reflecting likely functioning systems with some near-term service/inspection recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Front yard, walkway and driveway appear serviceable; property has fully fenced yard and alley access to a one-car attached garage per listing. Siding looks in good condition and the covered porch/steps have railings. Some minor concrete/landscaping decline at front foundation edges is visible but not severe. No signs of standing water, active exterior structural failure, or heavy neglect in provided photos."
}
],
"red_flags": [
"Localized ceiling sagging / loose ceiling tiles (living area) — potential water intrusion or prior leak that must be investigated and repaired.",
"No visible smoke detectors or CO alarms in listing photos — required for NSPIRE/Section 8 inspection.",
"No visible GFCI protection at kitchen sink outlet — may fail electrical safety check.",
"Mechanical systems (water heater, electrical panel, HVAC central AC) not shown — need functional verification prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Listing photos represent current, accurate condition and no additional interior photos (basement, electrical panel, water heater) are available.",
"Stove is present and functional; refrigerator not pictured and may need to be installed by owner or tenant.",
"Heating is provided via the visible baseboard units; they are assumed serviceable but not tested.",
"No smoke/CO detectors were visible in photos; assume they are absent or not properly located unless provided later.",
"Electrical panel, water heater, HVAC/AC unit and plumbing condition are unknown because not pictured; they are assumed typical for a 1900 house with periodic maintenance.",
"Windows provide required egress dimensions for bedrooms, as they appear full-size, but measurements were not provided."
],
"overall_score": 65.0,
"rubric_version": "ns-p1-v1"
},
{
"summary": "This 3-bed, 1.5-bath single-family appears largely rent-ready for HCV/NSPIRE after a short punch-list: install/verify smoke and CO detectors, add GFCI protection in kitchen and bathrooms if required, repair/replace ceiling tiles where stained or separating, and perform routine appliance check (refrigerator presence/operation) and mechanical service verification. No obvious structural failures are visible; most issues are fixable within 1–4 weeks. Additional verification of furnace, water heater, electrical panel, and upstairs egress windows is recommended before inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Overall interior and exterior appear reasonably well maintained. Hardwood floors intact with minor wear, kitchen cabinets and counters functional, exterior vinyl siding looks in good condition and yard is maintained. Visible ceiling tiles/panels show seam separation and slight staining in living areas which will require repair (possible patch/replace/plaster). Minor cosmetic touch-ups, repainting, and likely replacement of a few fixture/trim items required. Missing refrigerator is not pictured (moderate impact only)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms visible in photos; these are commonly required and must be installed. Kitchen outlets near sink appear to be standard receptacles (no visible GFCI/reset), which may fail NSPIRE kitchen GFCI requirement. Entry has a storm/door and handrails are present on front steps, but ceiling tile separation/staining indicates possible prior water intrusion (could be active). Windows in front rooms are tall and likely provide egress but bedrooms were not photographed to confirm. No exposed wiring seen in photos. Overall a moderate safety risk that is likely fixable before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Baseboard heating visible (hydronic or electric) indicating heating exists; thermostat visible on wall. Kitchen stove present and appears functional. Water heater, furnace, HVAC equipment and electrical panel not shown so condition is assumed serviceable but unverified. Roof visible from photos shows no obvious large failures or sagging; shingles show age but no active blowouts visible. Because major systems are not pictured this score is cautious but indicates probable operability pending verification and service records."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior siding and trim look well maintained; concrete walk and steps are intact with a metal handrail. Fully fenced yard and alley access to a one-car attached garage present which is a positive for rental use. No obvious foundation movement or major exterior cracking visible from photos. Landscaping tidy. Driveway and walkways are serviceable though winter photos obscure some details."
}
],
"red_flags": [
"Possible ceiling water damage / seam separation (risk of active leak)",
"No visible smoke detectors or carbon monoxide alarms in photos",
"Kitchen outlets near sink appear to lack GFCI protection (electrical hazard per NSPIRE)",
"Ceiling panel separation increases risk of failing ceiling finish if not repaired"
],
"confidence": 0.7,
"assumptions": [
"Heating is provided by the visible baseboard system (hydronic or electric) and a furnace/water heater exist in basement or mechanical closet though not photographed.",
"No smoke detectors or CO alarms are installed (none visible in photos); these will need to be present and operational for inspection.",
"Kitchen stove is functional; refrigerator is not pictured and is assumed absent or not shown.",
"Electrical panel condition, grounding, and AFCI/GFCI specifics are unknown; kitchen outlets visible are assumed to be non-GFCI based on appearance.",
"Ceiling tile staining and seam separation indicate prior water intrusion; assumed repairable but requires verification to rule out active leak.",
"Exterior foundation and roof have no major unseen structural issues based on visible sections; interior areas not photographed (bathrooms, bedrooms, basement) may reveal additional items."
],
"overall_score": 72.0,
"rubric_version": "ns-predict-v1"
},
{
"summary": "This property is in generally good cosmetic condition and appears likely to pass many NSPIRE checks with some short repairs. Key concerns that reduce immediate pass-likelihood are ceiling tile/water-damage evidence and absence of visible smoke/CO detectors and unconfirmed GFCI protection. Major systems (electrical panel, water heater, HVAC operation) are not shown and should be verified. Expect minor-to-moderate repairs and paperwork checks; likely rentable within 2–6 weeks after addressing detectors, investigating/repairing ceiling damage, and confirming system operation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Overall interior and exterior appear maintained with original wood floors, painted walls and intact siding. Visible issues: sagging/discolored ceiling tiles in the main rooms (possible prior water damage), some hardwood staining/wear, older kitchen cabinets/finish, and listing/photos do not show a refrigerator (stove present). Porch/steps are intact but show minor concrete wear. These are mostly cosmetic or localized repairs; missing fridge would reduce readiness moderately but is not a structural failure."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No obvious exposed wiring, handrails are present at front steps, windows appear adequate for egress and entry door has a storm door. However photos show no visible smoke or carbon monoxide detectors, ceiling tile damage that could indicate water infiltration (potential mold/moisture risk), and kitchen outlets/GFCI protection are not clearly identified. These unknowns create moderate NSPIRE risk until detectors, GFCI checks and ceiling repairs are confirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 55.0,
"rationale": "Baseboard heat visible (indicates heating exists), stove and kitchen sink are present and appear functional in photos. The roof shingles are older but appear intact from photos; no collapsed ceilings or standing water seen. Critical system elements (HVAC operational status, water heater, electrical panel condition, hot water availability, and exact roof condition) are not shown and must be verified. Ceiling tile damage raises concern for a prior/plumbing or roof leak that may have affected systems."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior siding and trim look in good shape; yard is level and listing states a fully fenced yard and alley access/attached one-car garage is present. Walkway and steps exist with railings. Minor issues: foundation edge and planting beds show some wear; driveway and alley access appear serviceable. No evidence of significant site drainage problems or infestation in provided photos."
}
],
"red_flags": [
"Ceiling water damage / sagging ceiling tiles in main rooms (possible roof or plumbing leak requiring investigation and repair)",
"No visible smoke and carbon monoxide detectors in interior photos (required for NSPIRE compliance)",
"GFCI protection in kitchen/bathrooms not confirmed from photos",
"Major system components (electrical panel, water heater, HVAC functionality) not shown/verified — creates inspection risk",
"Property built in 1900: potential lead-paint risk on original surfaces (requires assessment)"
],
"confidence": 0.65,
"assumptions": [
"No refrigerator is visible in listing photos; assume a fridge may not be provided or photographed.",
"Baseboard heating visible in photos indicates a functioning central heat source (boiler or electric baseboards), but its operational status is unverified.",
"Smoke and carbon monoxide detectors are not visible in photos; assume they may be missing or not documented.",
"Electrical panel, water heater and A/C (if required) are present but were not photographed; their condition is unknown.",
"Ceiling tile discoloration and sagging indicate prior water intrusion; extent and current activity of leak unknown and assumed repairable.",
"Listing statement about a fully fenced yard and one-car attached garage is accurate though not fully visible in provided photos.",
"Because the house was built in 1900, lead-based paint risk is possible on original surfaces though no peeling lead paint was visible in photos."
],
"overall_score": 65.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "807 W Main Cross St, Findlay, OH, 45840",
"aggregate": {
"summary": "This single-family house is mostly in good cosmetic condition and likely could pass an initial HCV/NSPIRE inspection after addressing a small number of code items. Primary concerns to resolve before inspection: install/verify functioning smoke detectors (and CO alarms where required), verify/upgrade GFCI protection at kitchen/bath outlets, and investigate/repair the localized sagging ceiling tiles (possible moisture damage). Major structural or life-safety issues are not evident in the photos. Expect minor-to-moderate fixes; property could be rent-ready within ~2–4 weeks after addressing detectors, GFCI, and ceiling repairs and confirming mechanical systems operate.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Exterior and interior appear generally maintained. Siding, windows and porch look intact; hardwood floors are largely sound with only surface wear/staining visible. Kitchen and bathrooms are older but functional-looking; stove present (no refrigerator shown). Notable cosmetic/repair items: ceiling tiles show localized sagging/unevenness (living/dining area), scuffed trim and baseboards, minor concrete/step edge spalling at front planting bed. These are mostly repair/cosmetic items and do not indicate immediate structural failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.3,
"rationale": "Front yard, walkway and driveway appear serviceable; property has fully fenced yard and alley access to a one-car attached garage per listing. Siding looks in good condition and the covered porch/steps have railings. Some minor concrete/landscaping decline at front foundation edges is visible but not severe. No signs of standing water, active exterior structural failure, or heavy neglect in provided photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Some safety risks visible or not-verifiable from photos. No smoke or carbon-monoxide detectors are visible in the images (required). Kitchen sink area shows a standard outlet — GFCI protection is not apparent. Ceiling tile sagging could indicate prior/active water intrusion that would need to be addressed. Porch and entry have handrails; windows appear large enough for egress but certifications/measurements are not visible. No exposed wiring or obvious electrical hazards seen. Because detectors and GFCI are not visible and ceiling condition suggests possible moisture, code risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 61.7,
"rationale": "Major mechanical components are not fully visible. Baseboard heating is present (radiator/boiler or electric baseboard), so a heating system exists; central AC/air handler not shown. Roof shingles are present but show age/discoloration — no obvious large open areas in photos but age could mean shorter remaining life. Water heater and electrical panel are not pictured. Stove is present and appears operable. Given limited visibility, assign moderate score reflecting likely functioning systems with some near-term service/inspection recommended."
}
],
"red_flags": [
"Localized ceiling sagging / loose ceiling tiles (living area) — potential water intrusion or prior leak that must be investigated and repaired.",
"No visible smoke detectors or CO alarms in listing photos — required for NSPIRE/Section 8 inspection.",
"No visible GFCI protection at kitchen sink outlet — may fail electrical safety check.",
"Mechanical systems (water heater, electrical panel, HVAC central AC) not shown — need functional verification prior to inspection."
],
"confidence": 0.84,
"assumptions": [
"Listing photos represent current, accurate condition and no additional interior photos (basement, electrical panel, water heater) are available.",
"Stove is present and functional; refrigerator not pictured and may need to be installed by owner or tenant.",
"Heating is provided via the visible baseboard units; they are assumed serviceable but not tested.",
"No smoke/CO detectors were visible in photos; assume they are absent or not properly located unless provided later.",
"Electrical panel, water heater, HVAC/AC unit and plumbing condition are unknown because not pictured; they are assumed typical for a 1900 house with periodic maintenance.",
"Windows provide required egress dimensions for bedrooms, as they appear full-size, but measurements were not provided."
],
"score_method": "mean_of_criteria",
"overall_score": 67.4,
"rubric_version": "ns-p1-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4174968606"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.