Property ID: 4236418525
609 Light St, Franklin Township, OH, 45120
Franklin Township, OH
Money Down: $23,976
CoC Return: 7.79%
Monthly Cash Flow: $156
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,980
Closing Costs
$3,996
Total Down
$23,976
Investment Snapshot
Purchase Price
$99,900
Money Down
$23,976
Cash-on-Cash Return
7.79%
Rent
$865
Monthly Cash Flow
$156
Annual Cash Flow
$1,869
Debt Service / Mo
$532
Property Tax / Mo
$57
Insurance / Mo
$34
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$865
Payment Standard
$1,188
Rent
$865
Insurance
$34
Property Tax
$57
Management
$86
Utilities Allowance
$323
NOI (Monthly)
$687
Debt Service
$532
Cash Flow After Debt
$156
Quality Score: 69.60%
Confidence: 90.00%
Based solely on exterior photos and listing text, this small 2BR bungalow appears structurally intact and likely to pass an initial Housing Choice Voucher/NSPIRE inspection after a short checklist of verifications and minor fixes. Primary unknowns are interior life‑safety items and mechanical systems (smoke/CO detectors, GFCI outlets, furnace/AC, water heater, electrical panel). Visible issues to address before inspection: secure the overhead service cable, confirm/install working smoke and CO alarms, verify GFCI outlets in kitchen/bath, and confirm heating/hot water operation. Exterior is generally sound and the home should be rent‑ready within 2–4 weeks if interior systems are operational or only require minor repairs.
Section 8 Payment Standard
$1,188
Utility Allowance Total
$323
Guaranteed Section 8 Rent (PS - Utilities)
$865
Property Management
$86
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$99,900
Beds
2
Baths
1
Living Area
856 sqft
Lot Size
5,663 sqft
Year Built
1934
Days on Market
24
Capital Outlay
$23,976
Debt Service
$532
Property Tax / Mo
$57
Insurance / Mo
$34
Property Description
Charming 2-bedroom, 1-bath bungalow located in the village of Felicity. The home offers a cozy, functional layout with comfortable living spaces and classic character. Step outside to a fully fenced yard, providing added privacy- perfect for pets, outdoor enjoyment, or relaxing in your own space. Ideal for a primary residence or investment opportunity, this property combines small-town charm with convenient access to nearby amenities. Schedule your showing today and explore the potential this home has to offer.
Utility Allowances
Space Heating
$95
Selected electric heating as the property lists 'Baseboard' heating. The schedule provides three distinct non-heat-pump electric options ($95, $61, $47); the most expensive was chosen per instructions for ambiguity.
Water Heating
$39
Selected based on the property having an 'Electric' water heater. The more expensive of the two available electric options was chosen as per instructions, as the specific provider is unknown.
Cooking
$39
Selected electric cooking as the property's other major utilities are electric. The more expensive of the two available electric options was chosen as per instructions.
Other Electric
$45
This allowance for general electric use is standard. The more expensive of the two available electric options was chosen as per instructions.
Water
$42
Applied as standard for a single-family home. It is assumed the property uses public water.
Sewage
$42
Applied as standard for a single-family home. It is assumed the property uses a public sewer system.
Trash
$21
Trash collection is a standard tenant-paid utility for single-family homes.
Refrigerator
$0
Allowance is $0 as the property details list 'Refrigerator' as a provided appliance.
Range
$0
Allowance is $0 as the property details list 'Oven/Range' as a provided appliance.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$399
DP3 Annual Estimate$417
DP1 Monthly Equivalent$33
DP3 Monthly Equivalent$35
Replacement Value$46,800
Basis856 sqft / 1934
Nearby Houses
Photo unavailable
617 Main St
sold · 0.06 mi
Price: $40,000
3 bd / 1 ba · 1,400 sqft
Latest sale: $40,000 on Jan 31, 2024
Latest rent: —
Photo unavailable
715 Walnut St
off_market · 0.15 mi
Price: $269,000
3 bd / 2 ba · 1,422 sqft
Latest sale: $25,000
Latest rent: —
Photo unavailable
410 Market St
off_market · 0.22 mi
Price: $39,900
2 bd / 1 ba · 1,055 sqft
Latest sale: $35,000 on Dec 30, 2025
Latest rent: —
Photo unavailable
105 E Walnut St
off_market · 0.35 mi
Price: $60,000
3 bd / 2 ba · 1,428 sqft
Latest sale: $127,500 on Sep 30, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Visible overhead electrical service cable/coiled wire at front gable that appears unsecured (potential electrical hazard requiring electrician inspection).
- No visible exterior HVAC condenser or mechanical equipment in listing photos (heating/cooling/water heating systems not documented) — mechanical absence is a rental readiness risk until confirmed.
Assumptions
- Interior photos were not provided; assume interior is in similar fair cosmetic condition as the exterior unless otherwise noted.
- Bedrooms have standard egress‑sized windows (double-hung) adequate for bedroom egress, but this must be verified during inspection.
- Working heating and hot water systems exist though the exterior mechanical equipment (AC condenser) is not visible in photos; these systems will be confirmed at walkthrough.
- Smoke and carbon monoxide detectors may not be visible in photos; assume they are either present or will be installed prior to inspection.
- Kitchen appliances (stove/refrigerator) and interior GFCI protection are unknown; missing appliances would be categorized as moderate fixes and are assumed replaceable.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $665 | $49,800 | $17,430 |
| 2023 | $669 | $49,800 | $17,430 |
| 2022 | $604 | $40,600 | $14,210 |
| 2021 | $605 | $40,600 | $14,210 |
| 2020 | $604 | $40,600 | $14,210 |
| 2019 | $612 | $39,300 | $13,760 |
| 2018 | $613 | $39,300 | $13,760 |
| 2017 | $628 | $39,300 | $13,760 |
| 2016 | $575 | $34,200 | $11,970 |
| 2015 | $543 | $34,200 | $11,970 |
| 2014 | $541 | $34,200 | $11,970 |
| 2013 | $623 | $37,200 | $13,020 |
| 2012 | $622 | $37,200 | $13,020 |
| 2011 | $1,272 | $36,300 | $12,710 |
| 2010 | $1,304 | $41,300 | $14,460 |
| 2009 | $640 | $41,300 | $14,460 |
| 2008 | $31 | $2,000 | $700 |
| 2007 | $42 | $2,600 | $910 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-12 | Relisted | $99,900 |
| 2026-01-29 | Listing removed | $0 |
| 2026-01-23 | Listed | $99,900 |
| 2021-10-04 | Sold | $57,000 |
| 2021-08-26 | Listing removed | $0 |
| 2021-07-14 | Price Changed | $60,000 |
| 2021-06-15 | Listed | $70,000 |
| 2008-10-03 | Sold | $65,500 |
Photo Gallery
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"listing_id": "2990579067",
"last_update_date": "2026-02-12T12:53:35Z",
"last_status_change_date": "2026-02-12T17:58:26Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Cincinnati",
"price_change": 0,
"days_after_listed": "6 days",
"source_listing_id": "1866981",
"price_change_percentage": null
},
{
"date": "2026-01-23",
"price": 99900,
"listing": {
"status": "for_sale",
"list_date": "2026-01-23T02:57:55Z",
"list_price": 99900,
"listing_id": "2990579067",
"last_update_date": "2026-02-12T12:53:35Z",
"last_status_change_date": "2026-02-12T17:58:26Z"
},
"event_name": "Listed",
"price_sqft": 116.70560747663552,
"source_name": "Cincinnati",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1866981",
"price_change_percentage": "+75.26%"
},
{
"date": "2021-10-04",
"price": 57000,
"listing": null,
"event_name": "Sold",
"price_sqft": 66.58878504672897,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-18.57%"
},
{
"date": "2021-08-26",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2021-06-15T23:39:01Z",
"list_price": 60000,
"listing_id": "2930555890",
"last_update_date": "2021-07-23T14:57:22Z",
"last_status_change_date": "2021-08-26T09:16:31Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Cincinnati",
"price_change": 0,
"days_after_listed": "72 days",
"source_listing_id": "1704301",
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{
"date": "2021-07-14",
"price": 60000,
"listing": {
"status": "off_market",
"list_date": "2021-06-15T23:39:01Z",
"list_price": 60000,
"listing_id": "2930555890",
"last_update_date": "2021-07-23T14:57:22Z",
"last_status_change_date": "2021-08-26T09:16:31Z"
},
"event_name": "Price Changed",
"price_sqft": 70.09345794392523,
"source_name": "Cincinnati",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "1704301",
"price_change_percentage": null
},
{
"date": "2021-06-15",
"price": 70000,
"listing": {
"status": "off_market",
"list_date": "2021-06-15T23:39:01Z",
"list_price": 60000,
"listing_id": "2930555890",
"last_update_date": "2021-07-23T14:57:22Z",
"last_status_change_date": "2021-08-26T09:16:31Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "Cincinnati",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1704301",
"price_change_percentage": "+6.87%"
},
{
"date": "2008-10-03",
"price": 65500,
"listing": null,
"event_name": "Sold",
"price_sqft": 76.51869158878505,
"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": "4236418525",
"generated_at": "2026-02-16T21:55:02.760553Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 69.6
},
"utility_allowance": {
"zip_code": "45120",
"home_photo": "https://ap.rdcpix.com/2b688043a980271d67d844f71ba43453l-m3214314908s-w1280.jpg",
"rent_price": 865.0,
"loan_amount": 79920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/609-Light-St_Felicity_OH_45120_M42364-18525",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 99900.0,
"loan_term_years": 30,
"annual_cash_flow": 8249.05,
"mortgage_monthly": 531.71,
"payment_standard": 1188.0,
"total_amount_out": 19980.0,
"additional_photos": [
"https://ap.rdcpix.com/2b688043a980271d67d844f71ba43453l-m732253097s-w1280.jpg",
"https://ap.rdcpix.com/2b688043a980271d67d844f71ba43453l-m1112195194s-w1280.jpg",
"https://ap.rdcpix.com/2b688043a980271d67d844f71ba43453l-m4232811838s-w1280.jpg",
"https://ap.rdcpix.com/2b688043a980271d67d844f71ba43453l-m3529765732s-w1280.jpg",
"https://ap.rdcpix.com/2b688043a980271d67d844f71ba43453l-m1322427688s-w1280.jpg",
"https://ap.rdcpix.com/2b688043a980271d67d844f71ba43453l-m312486534s-w1280.jpg",
"https://ap.rdcpix.com/2b688043a980271d67d844f71ba43453l-m1192806162s-w1280.jpg",
"https://ap.rdcpix.com/2b688043a980271d67d844f71ba43453l-m3286622869s-w1280.jpg",
"https://ap.rdcpix.com/2b688043a980271d67d844f71ba43453l-m3277082479s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 34.0,
"monthly_cash_flow": 687.42,
"property_tax_rate": 0.0131,
"_utility_allowance": {
"sources": [
"https://www.clermontmha.org/wp-content/uploads/2025/09/Utility-Allowance-Sheet-2026.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected electric heating as the property lists 'Baseboard' heating. The schedule provides three distinct non-heat-pump electric options ($95, $61, $47); the most expensive was chosen per instructions for ambiguity.",
"utility": "Space Heating",
"allowance": 95
},
{
"note": "Selected based on the property having an 'Electric' water heater. The more expensive of the two available electric options was chosen as per instructions, as the specific provider is unknown.",
"utility": "Water Heating",
"allowance": 39
},
{
"note": "Selected electric cooking as the property's other major utilities are electric. The more expensive of the two available electric options was chosen as per instructions.",
"utility": "Cooking",
"allowance": 39
},
{
"note": "This allowance for general electric use is standard. The more expensive of the two available electric options was chosen as per instructions.",
"utility": "Other Electric",
"allowance": 45
},
{
"note": "Applied as standard for a single-family home. It is assumed the property uses public water.",
"utility": "Water",
"allowance": 42
},
{
"note": "Applied as standard for a single-family home. It is assumed the property uses a public sewer system.",
"utility": "Sewage",
"allowance": 42
},
{
"note": "Trash collection is a standard tenant-paid utility for single-family homes.",
"utility": "Trash",
"allowance": 21
},
{
"note": "Allowance is $0 as the property details list 'Refrigerator' as a provided appliance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Allowance is $0 as the property details list 'Oven/Range' as a provided appliance.",
"utility": "Range",
"allowance": 0
}
],
"cash_on_cash_return": 0.41,
"down_payment_amount": 19980.0,
"property_tax_annual": 684.95,
"property_tax_monthly": 57.08,
"property_tax_increase": 0.03,
"utility_allowance_total": 323.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.clermontmha.org/wp-content/uploads/2024/08/2025-Payment-Standards-For-Public-1.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 1868.53,
"property_management_monthly": 86.5,
"monthly_cash_flow_after_debt": 155.71,
"cash_on_cash_return_after_debt": 0.09
},
"section8_assessment": {
"runs": [
{
"summary": "Based solely on exterior photos and listing text, this small 2BR bungalow appears structurally intact and likely to pass an initial Housing Choice Voucher/NSPIRE inspection after a short checklist of verifications and minor fixes. Primary unknowns are interior life‑safety items and mechanical systems (smoke/CO detectors, GFCI outlets, furnace/AC, water heater, electrical panel). Visible issues to address before inspection: secure the overhead service cable, confirm/install working smoke and CO alarms, verify GFCI outlets in kitchen/bath, and confirm heating/hot water operation. Exterior is generally sound and the home should be rent‑ready within 2–4 weeks if interior systems are operational or only require minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior images show a small, recently-renovated looking single‑story bungalow with intact vinyl siding, shutters, and a solid single concrete stoop at the front. There is light cosmetic wear at the bottom trim near grade, some mildew/discoloration on the foundation skirt, and gravel driveway wear. Yard is fenced and cleared with minor landscape debris and a removable fire pit. No interior photos provided; missing interior cosmetic issues cannot be evaluated. Missing or unknown interior items (kitchen appliances, flooring condition) are assumed present or easily remediable. Overall visible deferred maintenance is minor and mostly cosmetic."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No interior images to confirm smoke/CO detectors, GFCI outlets, or plumbing/hot water. Exterior observations: front porch has a single step but no handrail (handrails typically required only for multiple risers), egress windows appear to be standard double‑hung windows (likely sufficient but not confirmed), fences and gates appear intact. A coil/loop of overhead service cable is visible at the front gable which appears unsecured and could be an electrical service concern; no exposed live conductors are visible in photos but the service attachment should be inspected. No obvious standing water, open roof leaks, collapsed ceilings, large foundation cracks, visible mold, or missing guardrails observed. Because interior life‑safety items (detectors, GFCI, condition of switches/outlets) are unknown, a modest deduction was made. Expected fix list for inspection: confirm/install working smoke & CO detectors, repair/secure service drop, verify GFCI, and remove or secure the fire pit if flagged by local code."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "No mechanical equipment (exterior condenser, furnace exhaust, water heater) is visible in listing photos. The roof shows no large missing sections or active sagging from the provided angles, but one valley/roof seam over the small side addition looks slightly irregular — not an obvious collapse but warrants closer inspection. Downspouts and gutters are present and routed away from foundation. Electrical service drop is visible and the cable looks coiled/loose at the gable — requires electrician review to confirm secure service and panel condition. Because heating, cooling, water heater and electrical panel were not photographed, score reflects uncertainty and typical expected maintenance for a 1934-built house with exterior upgrades. If interior systems are found operational (furnace, hot water, functioning breakers), score would increase."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Fully fenced yard, intact wooden privacy fence, clear rear yard with storage shed and gated pedestrian/vehicle access, and an overall tidy lot. Gravel driveway provides off‑street parking. Siding is in good visual condition; trim and shutters intact. Yard shows minor landscape debris and a small permanent/temporary fire pit, which is removable. Drainage appears managed with downspouts; no visible pooled water or erosion. Overall exterior/site is in good tenant-use condition with routine maintenance recommended (clean gutters, fix small trim at grade)."
}
],
"red_flags": [
"Visible overhead electrical service cable/coiled wire at front gable that appears unsecured (potential electrical hazard requiring electrician inspection).",
"No visible exterior HVAC condenser or mechanical equipment in listing photos (heating/cooling/water heating systems not documented) — mechanical absence is a rental readiness risk until confirmed."
],
"confidence": 0.6,
"assumptions": [
"Interior photos were not provided; assume interior is in similar fair cosmetic condition as the exterior unless otherwise noted.",
"Bedrooms have standard egress‑sized windows (double-hung) adequate for bedroom egress, but this must be verified during inspection.",
"Working heating and hot water systems exist though the exterior mechanical equipment (AC condenser) is not visible in photos; these systems will be confirmed at walkthrough.",
"Smoke and carbon monoxide detectors may not be visible in photos; assume they are either present or will be installed prior to inspection.",
"Kitchen appliances (stove/refrigerator) and interior GFCI protection are unknown; missing appliances would be categorized as moderate fixes and are assumed replaceable."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 2-bed bungalow appears in generally good, rentable condition from exterior photos with mostly minor exterior repairs and routine maintenance required. The property looks likely to pass an initial NSPIRE/HCV inspection after addressing a few small safety items (secure the loose cable at the front gable, confirm/install smoke & CO detectors, confirm deadbolt/door hardware) and verifying heating/plumbing/electrical systems are operational. The main inspection risks are unknown interior/system conditions (heating, water heater, GFCI outlets) and a front gable cable that should be secured. Estimated readiness to rent with completion of minor items: 1–4 weeks; if HVAC or roof issues are found it could extend to longer.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a generally intact vinyl-clad bungalow with intact windows/shutters, a small concrete stoop, and an enclosed yard. Visible deferred items are minor: discoloration/soiling at the siding base, worn gravel parking area, some yard debris and an informal firepit. No interior photos provided; missing interior cosmetics (flooring, paint, outlet covers) are unknown but likely typical for a house this age. Missing appliances (if any) were not shown and should only moderately impact readiness. Overall appears to need minor, mostly cosmetic and small capital repairs to be tenant-ready."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No smoke/CO detectors are visible in exterior photos (interior not shown) so installation may be required. An overhead service cable and a loop of cable at the front gable appear unsecured — potential electrical code/inspection concern. Entry uses a standard door; no visible deadbolt in photos. Windows appear operable and of reasonable size, but bedroom egress compliance cannot be confirmed from exterior photos. Foundation and exterior walls show no obvious major cracking or sagging. Because several NSPIRE-required items (detectors, GFCI, interior wiring) cannot be confirmed from photos, there is a moderate risk the inspector will request small safety corrections."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 60.0,
"rationale": "Roof roofing material appears present with no large visible collapse, but one photo shows a slight seam/dip at a roof intersection that could indicate previous patching or risk for leakage — needs closer inspection. Electrical service/meter is present on the side of the house, which indicates connection; however exposed cable at the front gable is a concern. No external HVAC condenser is visible in the photos (could be absent, inside-only heating, or removed) so heating/cooling system presence and operational status are unknown and must be verified; absence of a visible condenser raises inspection risk in summer for A/C or signals potential age of HVAC. Water heater and plumbing condition cannot be verified from images. Given these unknowns, systems score is moderate and would likely require verification and possibly servicing prior to passing NSPIRE."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Fully fenced yard in good condition, gated access, and a utility/storage shed present. Yard is generally clean and level; walk paths exist to the back. Wooden perimeter fence is weathered but intact. Gravel parking area is functional though worn. No standing water or obvious drainage pooling visible; downspouts are present and routed away at least in some photos. Overall the site is safe and usable with minor upkeep."
}
],
"red_flags": [
"No visible exterior HVAC condenser unit (heating/cooling system presence and operation must be verified) — potential major inspection fail if no functional heating is present.",
"Loose/looped electrical/service cable visible at front gable (possible exposed wiring/electrical hazard) — needs securing by qualified electrician.",
"Minor dip/seam observed on roof at a roof intersection — needs close inspection for possible leak or roof damage."
],
"confidence": 0.6,
"assumptions": [
"Interior photos were not provided; assume interior is average for a lived-in bungalow (cosmetic wear, functioning fixtures) unless inspection finds otherwise.",
"Utilities (electric) are connected — electrical meter visible on side of house.",
"Heating exists inside the home (furnace or baseboard) even though no exterior condenser is visible; if no heat or nonfunctional heating is found, that would be a major fail.",
"No active roof leaks are present despite a minor seam/dip visible in one image; roof condition should be verified by a closer inspection.",
"Bedroom egress windows meet size/egress requirements unless interior inspection contradicts this.",
"Smoke and CO detectors are not visible in exterior images and should be treated as likely missing or needing replacement/verification.",
"Front concrete step has only one riser and is under threshold that would require handrail; therefore lack of handrail is acceptable."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Mostly sound small single-family bungalow with well-maintained exterior and fenced yard. Visible issues are minor (driveway patching, overgrown landscaping, a loosely coiled/unsupported overhead cable and a low roof valley area that should be inspected). Major unknowns are interior: presence and operation of heating, hot water, smoke/CO detectors, GFCI protection and bedroom egress windows. With verification of HVAC/hot water and installation of required detectors and minor corrections to the cable and roof flashing, the property is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show generally intact vinyl siding, windows appear whole, gutters and downspouts present, fenced yard and yard maintenance acceptable. Driveway is gravel/patchy and landscaping is overgrown in areas. Small concrete stoop is present. No interior photos to assess flooring, cabinets, drywall or appliances; missing appliances are not visible but would be a moderate, fixable item. Overall visible deferred maintenance is minor."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 60.0,
"rationale": "No interior photos so smoke/CO detectors, GFCI outlets, bedroom egress and plumbing/hot water cannot be confirmed — these are required for pass and lower score. Exterior shows an overhead cable coiled/loosely secured at the front gable (potential electrical hazard that should be secured). Entry door and stoop appear secure; no obvious loose guardrails or collapsed elements visible. Presence of a backyard firepit and storage sheds should be evaluated for safety. Because several required items cannot be verified from photos (detectors, egress, interior electrical), risk of inspection findings is moderate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 55.0,
"rationale": "Roof appears shingled and generally intact from photos but there's a low spot/roof valley at the left/front connection that should be inspected for flashing/leak risk. An electrical meter and service are visible at the side; no exposed damaged electrical panel is visible. No clear exterior HVAC condenser or other heating equipment is visible in the photos — heating and hot water systems are not documented and must be confirmed operational. Drainage shows downspouts with extenders; overall mechanical system condition is uncertain and warrants verification and likely minor repairs/servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Fully fenced yard (positive for Section 8 tenants with pets), gate access shown, yard size and layout appropriate. Walkway to rear and perimeter fence present; backyard appears level with no standing water visible in photos. Firepit in yard is present (may need to be disclosed/removed if not permitted). Storage sheds on site. Fence condition appears serviceable though weathered. Overall exterior/site condition is good with only routine maintenance and small site improvements likely."
}
],
"red_flags": [
"Loose/unsupported overhead cable coiled at front gable — potential electrical/attachment hazard that should be secured by a qualified electrician or communications technician.",
"Low roof valley/transition at left side/front where small roof meets main roof — visible dip and staining at foundation skirt indicate potential flashing/roof-leak risk; professional roof inspection recommended.",
"No interior documentation of heating/hot water systems or smoke/CO detectors in provided photos — unverified heating and life-safety equipment is an inspection risk and must be confirmed operational before HCV move-in."
],
"confidence": 0.6,
"assumptions": [
"No interior photos provided: assume interior is in average condition for a 1934 bungalow that has had some updates (flooring, drywall) but requires routine cleaning and touch-ups.",
"Heating and hot water systems are present and functional but were not visible in exterior photos; assume at least one operational heating source exists (must be verified prior to inspection).",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may not be present or properly located and will need verification/installation per NSPIRE.",
"Kitchen appliances (stove, refrigerator) are not shown; assume they may be missing or left by seller — missing appliances would be a moderate fix and should be provided for HCV tenancy if required by local PHA.",
"Bedroom egress windows likely exist (front and side windows visible) but sizes and clearances cannot be confirmed from photos; assume at least one bedroom may need confirmation of proper egress dimensions.",
"Electrical service is present (meter visible) and seems intact; assume interior panel is accessible and labeled but should be inspected for exposed wiring or hazards.",
"No active interior water intrusion, collapsed ceilings, major mold or structural sagging are evident from exterior photos; if any of these exist inside, scores would be significantly lower."
],
"overall_score": 67.0,
"rubric_version": "nspr_v1_2026-02-16"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "609 Light St, Franklin Township, OH, 45120",
"aggregate": {
"summary": "Based solely on exterior photos and listing text, this small 2BR bungalow appears structurally intact and likely to pass an initial Housing Choice Voucher/NSPIRE inspection after a short checklist of verifications and minor fixes. Primary unknowns are interior life‑safety items and mechanical systems (smoke/CO detectors, GFCI outlets, furnace/AC, water heater, electrical panel). Visible issues to address before inspection: secure the overhead service cable, confirm/install working smoke and CO alarms, verify GFCI outlets in kitchen/bath, and confirm heating/hot water operation. Exterior is generally sound and the home should be rent‑ready within 2–4 weeks if interior systems are operational or only require minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior images show a small, recently-renovated looking single‑story bungalow with intact vinyl siding, shutters, and a solid single concrete stoop at the front. There is light cosmetic wear at the bottom trim near grade, some mildew/discoloration on the foundation skirt, and gravel driveway wear. Yard is fenced and cleared with minor landscape debris and a removable fire pit. No interior photos provided; missing interior cosmetic issues cannot be evaluated. Missing or unknown interior items (kitchen appliances, flooring condition) are assumed present or easily remediable. Overall visible deferred maintenance is minor and mostly cosmetic."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Fully fenced yard, intact wooden privacy fence, clear rear yard with storage shed and gated pedestrian/vehicle access, and an overall tidy lot. Gravel driveway provides off‑street parking. Siding is in good visual condition; trim and shutters intact. Yard shows minor landscape debris and a small permanent/temporary fire pit, which is removable. Drainage appears managed with downspouts; no visible pooled water or erosion. Overall exterior/site is in good tenant-use condition with routine maintenance recommended (clean gutters, fix small trim at grade)."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No interior images to confirm smoke/CO detectors, GFCI outlets, or plumbing/hot water. Exterior observations: front porch has a single step but no handrail (handrails typically required only for multiple risers), egress windows appear to be standard double‑hung windows (likely sufficient but not confirmed), fences and gates appear intact. A coil/loop of overhead service cable is visible at the front gable which appears unsecured and could be an electrical service concern; no exposed live conductors are visible in photos but the service attachment should be inspected. No obvious standing water, open roof leaks, collapsed ceilings, large foundation cracks, visible mold, or missing guardrails observed. Because interior life‑safety items (detectors, GFCI, condition of switches/outlets) are unknown, a modest deduction was made. Expected fix list for inspection: confirm/install working smoke & CO detectors, repair/secure service drop, verify GFCI, and remove or secure the fire pit if flagged by local code."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "No mechanical equipment (exterior condenser, furnace exhaust, water heater) is visible in listing photos. The roof shows no large missing sections or active sagging from the provided angles, but one valley/roof seam over the small side addition looks slightly irregular — not an obvious collapse but warrants closer inspection. Downspouts and gutters are present and routed away from foundation. Electrical service drop is visible and the cable looks coiled/loose at the gable — requires electrician review to confirm secure service and panel condition. Because heating, cooling, water heater and electrical panel were not photographed, score reflects uncertainty and typical expected maintenance for a 1934-built house with exterior upgrades. If interior systems are found operational (furnace, hot water, functioning breakers), score would increase."
}
],
"red_flags": [
"Visible overhead electrical service cable/coiled wire at front gable that appears unsecured (potential electrical hazard requiring electrician inspection).",
"No visible exterior HVAC condenser or mechanical equipment in listing photos (heating/cooling/water heating systems not documented) — mechanical absence is a rental readiness risk until confirmed."
],
"confidence": 0.9,
"assumptions": [
"Interior photos were not provided; assume interior is in similar fair cosmetic condition as the exterior unless otherwise noted.",
"Bedrooms have standard egress‑sized windows (double-hung) adequate for bedroom egress, but this must be verified during inspection.",
"Working heating and hot water systems exist though the exterior mechanical equipment (AC condenser) is not visible in photos; these systems will be confirmed at walkthrough.",
"Smoke and carbon monoxide detectors may not be visible in photos; assume they are either present or will be installed prior to inspection.",
"Kitchen appliances (stove/refrigerator) and interior GFCI protection are unknown; missing appliances would be categorized as moderate fixes and are assumed replaceable."
],
"score_method": "mean_of_criteria",
"overall_score": 69.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4236418525"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.