Property ID: 4176421977
1304 Douglas Pkwy, Findlay, OH, 45840
Findlay, OH
Money Down: $39,840
CoC Return: -7.38%
Monthly Cash Flow: $-245
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,200
Closing Costs
$6,640
Total Down
$39,840
Investment Snapshot
Purchase Price
$166,000
Money Down
$39,840
Cash-on-Cash Return
-7.38%
Rent
$916
Monthly Cash Flow
$-245
Annual Cash Flow
$-2,938
Debt Service / Mo
$884
Property Tax / Mo
$139
Insurance / Mo
$47
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$916
Payment Standard
$1,127
Rent
$916
Insurance
$47
Property Tax
$139
Management
$92
Utilities Allowance
$211
NOI (Monthly)
$639
Debt Service
$884
Cash Flow After Debt
$-245
Quality Score: 70.00%
Confidence: 92.00%
Overall the property appears in good, mostly move‑in condition with only minor repair and verification items needed for an initial Section 8/NSPIRE inspection. Major structure, roof, siding and porch are intact; interior shows light cosmetic wear (carpet, ceiling tiles). The most likely pre-inspection fixes are confirmation/installation of properly located smoke and CO alarms, verify deadbolt/secure entry, and verify GFCI protection in kitchen/bath. Mechanical and plumbing equipment (water heater, electrical panel, HVAC operation) must be documented functioning but visible signs (thermostat, floor vents) suggest systems are present. Likely rent‑ready within 30 days after minor fixes and documentation.
Section 8 Payment Standard
$1,127
Utility Allowance Total
$211
Guaranteed Section 8 Rent (PS - Utilities)
$916
Property Management
$92
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$166,000
Beds
2
Baths
1
Living Area
1,092 sqft
Lot Size
7,405 sqft
Year Built
1880
Days on Market
83
Capital Outlay
$39,840
Debt Service
$884
Property Tax / Mo
$139
Insurance / Mo
$47
Property Description
Darling home featuring excellent curb appeal in a welcoming exterior design. Situated in a highly desirable location, this property offers convenient access to grocery stores, medical facilities, and other essential amenities. The home sits on us nicely sized lot, providing ample outdoor space for relaxation, gardening, or entertaining. Perfect for those seeking comfort, convenience, and charm in one inviting package.
Utility Allowances
heating
$61
Property is listed with 'Natural Gas' heating. The allowance is based on the 'natural_gas' option for a 2-bedroom unit.
cooking
$11
Property is listed with an 'Electric Range'. The allowance is based on the 'electric' option for a 2-bedroom unit.
water_heating
$27
Property has a water heater. 'Natural Gas' is selected as the fuel type, consistent with the property's main heating system, for a 2-bedroom unit.
water
$26
Property is listed as having a public water source. Allowance is for a 2-bedroom unit.
sewer
$29
Property is listed with 'Sanitary Sewer'. Allowance is for a 2-bedroom unit.
other_electric
$32
A standard allowance for general electricity (lights, outlets) for a 2-bedroom unit.
trash_collection
$25
A standard utility for a single-family home. Inferred as a tenant-paid utility based on the schedule for a 2-bedroom unit.
air_conditioning
$0
Property has central air, but the provided utility schedule has a null allowance for this utility across all bedroom sizes.
range
$0
The property includes an 'Electric Range', so there is no tenant cost. The allowance for tenant-provided appliances is not applicable.
refrigerator
$0
The property includes a 'Refrigerator', so there is no tenant cost. The allowance for tenant-provided appliances is not applicable.
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$549
DP3 Annual Estimate$574
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$48
Replacement Value$96,270
Basis1,092 sqft / 1880
Nearby Houses
Photo unavailable
1306 Douglas Pkwy
sold · 0.01 mi
Price: $131,000
2 bd / 1 ba · 984 sqft
Latest sale: $131,000
Latest rent: —
Photo unavailable
1308 Douglas Pkwy
sold · 0.02 mi
Price: $252,500
3 bd / 2 ba · 1,965 sqft
Latest sale: $252,500
Latest rent: —
Photo unavailable
S West St
sold · 0.03 mi
Price: $18,000
— bd / — ba
Latest sale: $18,000
Latest rent: —
Photo unavailable
1321 S West St
sold · 0.03 mi
Price: $179,900
3 bd / 1 ba · 1,612 sqft
Latest sale: $179,900
Latest rent: —
Photo unavailable
205 Stadium Dr
sold · 0.04 mi
Price: $215,000
4 bd / 2 ba · 1,899 sqft
Latest sale: $215,000
Latest rent: —
Photo unavailable
1314 Douglas Pkwy
sold · 0.05 mi
Price: $87,500
2 bd / 1 ba · 858 sqft
Latest sale: $87,500
Latest rent: —
Photo unavailable
212 W McPherson Ave
sold · 0.05 mi
Price: $291,000
3 bd / 3 ba · 2,033 sqft
Latest sale: $291,000
Latest rent: —
Photo unavailable
1309 Douglas Pkwy
sold · 0.06 mi
Price: $177,000
3 bd / 3 ba · 2,018 sqft
Latest sale: $177,000
Latest rent: —
Photo unavailable
1303 Douglas Pkwy
sold · 0.06 mi
Price: $226,000
3 bd / 2 ba · 2,098 sqft
Latest sale: $226,000
Latest rent: —
Photo unavailable
1308 S West St
sold · 0.07 mi
Price: $135,000
3 bd / 2 ba · 1,176 sqft
Latest sale: $135,000
Latest rent: —
Photo unavailable
212 Stadium Dr
sold · 0.07 mi
Price: $117,900
3 bd / 2 ba · 1,280 sqft
Latest sale: $117,900
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.07 mi
Price: $209,000
4 bd / — ba · 2,020 sqft
Latest sale: $209,000
Latest rent: —
Photo unavailable
1320 S West St
sold · 0.07 mi
Price: $152,000
3 bd / 2 ba · 1,633 sqft
Latest sale: $152,000
Latest rent: —
Photo unavailable
1324 S West St
sold · 0.07 mi
Price: $139,000
4 bd / 2 ba · 1,510 sqft
Latest sale: $139,000
Latest rent: —
Photo unavailable
1300 S West St
sold · 0.07 mi
Price: $47,000
3 bd / 3 ba · 1,400 sqft
Latest sale: $47,000
Latest rent: —
Photo unavailable
228 Stadium Dr
sold · 0.08 mi
Price: $119,000
1 bd / 1 ba · 933 sqft
Latest sale: $119,000
Latest rent: —
Photo unavailable
1334 S West St
sold · 0.08 mi
Price: $105,000
2 bd / 1 ba · 1,096 sqft
Latest sale: $105,000
Latest rent: —
Photo unavailable
125 W McPherson Ave
sold · 0.09 mi
Price: $84,500
2 bd / 1 ba · 840 sqft
Latest sale: $84,500
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Heating system present and functional based on visible floor registers and a wall thermostat; no direct photo of furnace/air handler.
- Water heater, operational hot water, and electrical panel exist but were not photographed; assumed service is present and typical for a listed single-family home.
- Kitchen and bathroom photos were not provided; appliance presence (stove/fridge) is unknown. Missing appliances would be moderate repair items, not immediate safety failures.
- Smoke/CO detector coverage is incomplete in photos. A circular detector visible in a main room is treated as partial coverage; additional detectors may be required in sleeping areas and hallways.
- Bedrooms have code-compliant egress windows based on window size and type shown, though operability is not confirmed.
- No active roof leaks, major foundation movement, or hidden structural failure are assumed because there is no visible evidence of sagging, large stains, or collapsed ceilings in provided photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,619 | $146,880 | $51,400 |
| 2023 | $1,482 | $115,670 | $40,480 |
| 2022 | $1,472 | $115,670 | $40,480 |
| 2021 | $1,402 | $95,930 | $33,576 |
| 2020 | $1,402 | $95,930 | $33,576 |
| 2018 | $1,274 | $81,470 | $28,515 |
| 2017 | $1,272 | $81,470 | $28,515 |
| 2016 | $1,263 | $81,470 | $28,515 |
| 2015 | $798 | $50,750 | $17,763 |
| 2014 | $798 | $50,750 | $17,763 |
| 2013 | $798 | $50,750 | $17,763 |
| 2012 | $803 | $50,750 | $17,760 |
| 2011 | $803 | $50,750 | $17,760 |
| 2010 | $803 | $50,750 | $17,760 |
| 2009 | $905 | $59,690 | $20,890 |
| 2008 | $810 | $59,690 | $20,890 |
| 2007 | $807 | $59,690 | $20,890 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-16 | Listed | $166,000 |
Photo Gallery
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{
"note": "A standard allowance for general electricity (lights, outlets) for a 2-bedroom unit.",
"utility": "other_electric",
"allowance": 32
},
{
"note": "A standard utility for a single-family home. Inferred as a tenant-paid utility based on the schedule for a 2-bedroom unit.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Property has central air, but the provided utility schedule has a null allowance for this utility across all bedroom sizes.",
"utility": "air_conditioning",
"allowance": 0
},
{
"note": "The property includes an 'Electric Range', so there is no tenant cost. The allowance for tenant-provided appliances is not applicable.",
"utility": "range",
"allowance": 0
},
{
"note": "The property includes a 'Refrigerator', so there is no tenant cost. The allowance for tenant-provided appliances is not applicable.",
"utility": "refrigerator",
"allowance": 0
}
],
"cash_on_cash_return": 0.23,
"down_payment_amount": 33200.0,
"property_tax_annual": 1667.57,
"property_tax_monthly": 138.96,
"property_tax_increase": 0.03,
"utility_allowance_total": 211.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hancockmetro.com",
"https://hancockmetro.com/wp-content/uploads/2025/10/2026-Payment-Standards.pdf"
],
"effective_date": "2025-12-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -2938.53,
"property_management_monthly": 91.6,
"monthly_cash_flow_after_debt": -244.88,
"cash_on_cash_return_after_debt": -0.09
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears in good, mostly move‑in condition with only minor repair and verification items needed for an initial Section 8/NSPIRE inspection. Major structure, roof, siding and porch are intact; interior shows light cosmetic wear (carpet, ceiling tiles). The most likely pre-inspection fixes are confirmation/installation of properly located smoke and CO alarms, verify deadbolt/secure entry, and verify GFCI protection in kitchen/bath. Mechanical and plumbing equipment (water heater, electrical panel, HVAC operation) must be documented functioning but visible signs (thermostat, floor vents) suggest systems are present. Likely rent‑ready within 30 days after minor fixes and documentation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Property shows good curb appeal, intact siding and porch concrete; interior finishes are clean but basic (wall paint, carpet with light staining, acoustic ceiling tiles). No visible collapsed or severe damage. Missing kitchen/bath photos — appliances unknown (absence would be moderate deduction). Minor cosmetic work (carpet cleaning/replacement, patching, outlet covers, door hardware) likely required but no major demo."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible: exterior steps have railings, no collapsed ceilings, no standing water or major mold. Gas meter visible on side — CO detector presence uncertain. A circular detector/device is visible in main area but smoke/CO coverage of all sleeping rooms and hallways is not confirmed. Deadbolt not visible in photos. GFCI in kitchen/bath not visible (kitchen/bath not photographed). Some verification and possibly minor additions (smoke/CO placement, deadbolt, GFCIs) will likely be needed to meet NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 70.0,
"rationale": "Floor registers and a wall thermostat are visible indicating central heat/forced air likely present. Exterior roof appears intact with full shingles and working gutters; foundation appears sound in photos. Water heater and electrical panel not shown; no visible exposed wiring. Given age (1880) but updated exterior/interior, mechanicals are likely functional but must be verified (water heater, hot water, electrical panel condition, HVAC operational status)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Curb appeal is good: vinyl siding, upright foundation, maintained landscaping, paved driveway and detached garage present. Minor asphalt cracking on driveway and small cracks on porch steps/risers visible but no active standing water or erosion. Walkway and entrance are clear and safe."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Heating system present and functional based on visible floor registers and a wall thermostat; no direct photo of furnace/air handler.",
"Water heater, operational hot water, and electrical panel exist but were not photographed; assumed service is present and typical for a listed single-family home.",
"Kitchen and bathroom photos were not provided; appliance presence (stove/fridge) is unknown. Missing appliances would be moderate repair items, not immediate safety failures.",
"Smoke/CO detector coverage is incomplete in photos. A circular detector visible in a main room is treated as partial coverage; additional detectors may be required in sleeping areas and hallways.",
"Bedrooms have code-compliant egress windows based on window size and type shown, though operability is not confirmed.",
"No active roof leaks, major foundation movement, or hidden structural failure are assumed because there is no visible evidence of sagging, large stains, or collapsed ceilings in provided photos."
],
"overall_score": 72.0,
"rubric_version": "ns-pinspect-2026-v1"
},
{
"summary": "This 2-bed single-family appears largely rent‑ready with mostly cosmetic repairs and verification tasks. Expected issues before a Housing Choice Voucher initial inspection: verify/repair/confirm smoke and CO detectors and their placement, install/confirm GFCI protection in kitchen/bath, supply or confirm functioning kitchen appliances, clean/replace carpets as needed, confirm operational heating and hot water and check electrical panel. No visible structural failure, active leaks, or collapsed elements in the photos. With the above minor-to-moderate fixes and system verifications, it is likely to pass an initial Section 8/NSPIRE inspection within ~2–4 weeks; if mechanical systems (furnace, water heater, electrical) are not functional it could take longer.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Visual condition is generally good: freshly painted walls, intact trim, solid-looking vinyl siding and concrete porch. Carpeted floors show light wear and some staining and will need cleaning or replacement. Porch and front steps show minor surface cracking and paint/wear on metal railings. No obvious collapsed ceilings or severe surface damage. Listing/photos do not show kitchen appliances or bathroom fixtures — missing appliances were not heavily penalized but reduce readiness. Overall mostly cosmetic/low-cost repairs required (carpet cleaning/replacement, small concrete patching, appliance provision)."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 60.0,
"rationale": "No visible life‑threatening hazards in photos: steps have handrails, no collapsed ceilings or standing water observed, windows present in each main room (egress for bedrooms not fully verifiable). A round alarm device is visible in hallway/room photos but placement and operational status of smoke detectors and CO alarms cannot be confirmed for all required locations. GFCI outlets in kitchen/bath are not visible in supplied images. Door hardware shows a keyed lock but no clear view of a deadbolt. Age of home (1880) creates potential lead-paint risk to address per HUD rules. Given these uncertainties, there is moderate NSPIRE risk until alarm locations, deadbolt, GFCI protection and bedroom egress are verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Visible evidence of forced-air distribution (floor vents) and a gas meter on the exterior suggest heating/hot-water systems likely present, and roof shingles appear intact with no visible sagging or active leaks. However no furnace, water heater, HVAC equipment or electrical panel are shown; plumbing fixtures and hot water operation are unverified. Driveway and detached garage and gutters appear functional. Without confirmation of operational furnace, water heater and electrical panel condition, score is moderate to reflect potential system verification/repair needs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Curb appeal is good: vinyl siding in good visual condition, gutters present, paved driveway to a detached garage, yard appears maintained. Foundation visible around perimeter appears intact with no obvious large cracks or settlement in photos. Landscaping is tidy; walkways are level and there is a secured metal railing at the front steps. Minor surface cracking on porch steps and asphalt wear in driveway are noted but not structural."
}
],
"red_flags": [
"Potential lead-based paint risk due to age of house (built 1880) — federal lead rules apply and must be addressed.",
"Smoke and carbon monoxide detector locations and functionality are not verifiable from photos — may fail NSPIRE if missing or improperly located.",
"GFCI protection in kitchen/bath not visible in photos and must be confirmed; absence would be a code failure."
],
"confidence": 0.6,
"assumptions": [
"Heating system exists and is forced‑air (floor vents visible) and is operable unless inspection finds otherwise.",
"No kitchen appliances are visible in photos; assume stove/refrigerator are not guaranteed to be present and will need confirmation or provisioning.",
"Smoke/CO detectors presence and correct placement are not fully verifiable from photos; assume at least one detector exists but additional units may be required to meet NSPIRE placement rules.",
"Electrical panel, water heater and HVAC equipment exist but were not photographed; their condition is unknown and require verification.",
"No visible signs of active roof leaks or major foundation movement in photos; hidden issues could exist but none are evident.",
"Because house was built 1880, assume potential lead-based paint hazard until a lead-risk determination is completed."
],
"overall_score": 68.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Overall the property shows as a well-maintained, low‑risk single-family home with good curb appeal and functioning major visible components. The most likely Section 8 / HCV inspection issues would be verification items: presence and operation of smoke and CO alarms, GFCI protection in kitchen/bath, confirmation of an operable heating system and hot water, and the presence/installation of a secure deadbolt. Missing kitchen appliances (stove/fridge) and minor cosmetic items (carpet stains, railing base rust) are easy to correct. With verification and installation of required detectors/GFCI and confirmation of heating/water systems, this house is likely to pass an initial NSPIRE inspection after minor, short‑turnaround fixes (within ~30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior appear generally well maintained. Carpets show light soiling/staining in places; trim and walls are painted and intact. Porch concrete looks recently redone or in good condition; small hairline cracks visible at top step. Metal porch rails show minor surface rust at bases. No collapsed ceilings, large holes, or visible structural rot in photos. Kitchen and primary appliances are not shown (no stove/refrigerator visible), which reduces turnkey readiness but is repair/capital in nature rather than an immediate safety failure. Overall cosmetic items and missing appliances are easy-to-fix."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible: no exposed wiring, no collapsed ceilings, no standing water. I can see at least one smoke alarm device mounted on a ceiling/wall in the living area; however carbon monoxide alarm is not visible and presence of a deadbolt on the primary entry door cannot be confirmed. GFCI locations in kitchen/bath are not shown. Windows are present in each bedroom area shown and likely provide egress, but exact dimensions not verified. Porch steps have handrails; guardrail height on porch perimeter appears low but not clearly unsafe. Because several required items (CO alarm, GFCI, deadbolt) are not shown, there is inspection risk that will need quick verification/installation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Evidence of a central heating distribution system (floor registers and a wall thermostat) and ceiling fans suggests functioning HVAC, but no furnace/AC or water heater photos were provided to verify operational condition. Roof appears intact with asphalt shingles and no visible sagging or major failure from the provided exterior angles. Plumbing fixtures, hot water availability, electrical panel condition and HVAC operational status are not shown and must be verified. Given the property's age (built 1880), hidden system issues are possible but nothing in the photos indicates an active system failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Strong curb appeal: vinyl siding, intact gutters/downspouts, paved driveway to detached garage, level concrete walk, maintained landscaping. Foundation visible and appears sound from exterior photos (no obvious large cracks or settling). Driveway shows minor surface cracking typical for asphalt but is serviceable. Garage door appears in good shape. Overall exterior/site items look rent-ready with only routine maintenance likely required."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Heating is forced-air (floor registers and a thermostat visible) and is operational; furnace/AC exist but were not photographed.",
"Bedrooms have egress windows of adequate size (windows visible in imagery) though dimensions were not measured.",
"No active roof leaks or major water intrusion despite use of suspended ceiling tiles; ceiling tiles appear intact without visible staining.",
"Electrical panel, water heater, plumbing fixtures and kitchen/bath GFCI outlets exist but were not photographed; functionality unknown.",
"At least one smoke detector is present (visible device), but carbon monoxide alarm and locations of alarms relative to sleeping areas are unverified.",
"Main entry has a locking mechanism but the presence of a separate deadbolt is unconfirmed.",
"No visible pest/infestation evidence in photos. If present, would lower score.",
"Interior photos are representative of whole unit; bathroom and kitchen conditions are not visible and could affect final inspection if poor.",
"Vinyl siding and gutters are intact and functional based on photos; underlying sheathing conditions not inspected."
],
"overall_score": 70.0,
"rubric_version": "2026-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1304 Douglas Pkwy, Findlay, OH, 45840",
"aggregate": {
"summary": "Overall the property appears in good, mostly move‑in condition with only minor repair and verification items needed for an initial Section 8/NSPIRE inspection. Major structure, roof, siding and porch are intact; interior shows light cosmetic wear (carpet, ceiling tiles). The most likely pre-inspection fixes are confirmation/installation of properly located smoke and CO alarms, verify deadbolt/secure entry, and verify GFCI protection in kitchen/bath. Mechanical and plumbing equipment (water heater, electrical panel, HVAC operation) must be documented functioning but visible signs (thermostat, floor vents) suggest systems are present. Likely rent‑ready within 30 days after minor fixes and documentation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Property shows good curb appeal, intact siding and porch concrete; interior finishes are clean but basic (wall paint, carpet with light staining, acoustic ceiling tiles). No visible collapsed or severe damage. Missing kitchen/bath photos — appliances unknown (absence would be moderate deduction). Minor cosmetic work (carpet cleaning/replacement, patching, outlet covers, door hardware) likely required but no major demo."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Curb appeal is good: vinyl siding, upright foundation, maintained landscaping, paved driveway and detached garage present. Minor asphalt cracking on driveway and small cracks on porch steps/risers visible but no active standing water or erosion. Walkway and entrance are clear and safe."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 63.3,
"rationale": "No obvious life‑threatening hazards visible: exterior steps have railings, no collapsed ceilings, no standing water or major mold. Gas meter visible on side — CO detector presence uncertain. A circular detector/device is visible in main area but smoke/CO coverage of all sleeping rooms and hallways is not confirmed. Deadbolt not visible in photos. GFCI in kitchen/bath not visible (kitchen/bath not photographed). Some verification and possibly minor additions (smoke/CO placement, deadbolt, GFCIs) will likely be needed to meet NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 63.3,
"rationale": "Floor registers and a wall thermostat are visible indicating central heat/forced air likely present. Exterior roof appears intact with full shingles and working gutters; foundation appears sound in photos. Water heater and electrical panel not shown; no visible exposed wiring. Given age (1880) but updated exterior/interior, mechanicals are likely functional but must be verified (water heater, hot water, electrical panel condition, HVAC operational status)."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Heating system present and functional based on visible floor registers and a wall thermostat; no direct photo of furnace/air handler.",
"Water heater, operational hot water, and electrical panel exist but were not photographed; assumed service is present and typical for a listed single-family home.",
"Kitchen and bathroom photos were not provided; appliance presence (stove/fridge) is unknown. Missing appliances would be moderate repair items, not immediate safety failures.",
"Smoke/CO detector coverage is incomplete in photos. A circular detector visible in a main room is treated as partial coverage; additional detectors may be required in sleeping areas and hallways.",
"Bedrooms have code-compliant egress windows based on window size and type shown, though operability is not confirmed.",
"No active roof leaks, major foundation movement, or hidden structural failure are assumed because there is no visible evidence of sagging, large stains, or collapsed ceilings in provided photos."
],
"score_method": "mean_of_criteria",
"overall_score": 70.0,
"rubric_version": "ns-pinspect-2026-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4176421977"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.