Property ID: 4274043829
118 Carrick Ave, Pittsburgh, PA, 15210
Pittsburgh, PA
Money Down: $35,760
CoC Return: 55.54%
Monthly Cash Flow: $1,655
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$29,800
Closing Costs
$5,960
Total Down
$35,760
Investment Snapshot
Purchase Price
$149,000
Money Down
$35,760
Cash-on-Cash Return
55.54%
Rent
$2,933
Monthly Cash Flow
$1,655
Annual Cash Flow
$19,861
Debt Service / Mo
$793
Property Tax / Mo
$153
Insurance / Mo
$38
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,933
Payment Standard
$3,656
Rent
$2,933
Insurance
$38
Property Tax
$153
Management
$293
Utilities Allowance
$723
NOI (Monthly)
$2,448
Debt Service
$793
Cash Flow After Debt
$1,655
Quality Score: 64.90%
Confidence: 95.00%
This 5-bedroom 1897 single-family home appears structurally intact and would likely require mostly cosmetic and verification work to pass an initial HCV/NSPIRE inspection. Expect cleaning, carpet replacement, paint touch-ups (addressing lead-paint risk if present), installation/verification of CO detectors and GFCIs, and mechanical system verification (heating, hot water, electrical panel). The property is not turnkey but seems achievable to bring to compliance within 30 days if systems are functional and lead/mold issues are absent. Key risks that may push this to a deeper repair scope are evidence of active water intrusion, undocumented/failed heating or electrical systems, or confirmed lead hazards on surfaces accessible to children.
Section 8 Payment Standard
$3,656
Utility Allowance Total
$723
Guaranteed Section 8 Rent (PS - Utilities)
$2,933
Property Management
$293
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$149,000
Beds
5
Baths
2
Living Area
—
Lot Size
5,576 sqft
Year Built
1897
Days on Market
149
Capital Outlay
$35,760
Debt Service
$793
Property Tax / Mo
$153
Insurance / Mo
$38
Property Description
Welcome to 118 Carrick Ave! This 5 bedroom residence offers abundant space and is ideally situated close to Downtown, South Side and the Waterfront. Just minutes from Route 51 or Carson Street. Enjoy the best of urban living with quick access to all Pittsburgh has to offer. The homes boasts plenty of room for both comfortable living and entertaining. With ample natural light filling the home, it gives it a bright and airy feeling. All the bedrooms are spacious and there are also two full bathrooms.
Utility Allowances
Heating
$98
Selected 'Natural Gas' as property info lists 'Heating Features: Gas'.
Air Conditioning
$29
Property has 'Central Air' according to property details.
Cooking
$21
Selected 'Electric' as property info lists 'Electric Stove' under inclusions.
Water Heating
$35
Selected 'Natural Gas' to align with the primary heating source, as water heating fuel was not specified.
Other Electric
$108
Standard allowance for general electricity usage (lights, outlets, etc.).
Water
$172
Property info specifies 'Water Source: Public'.
Sewer
$242
Property info specifies 'Sewer: Public'.
Trash Collection
$0
The utility allowance schedule for this ZIP code does not provide a value for trash collection.
Refrigerator
$0
The property includes a refrigerator, so there is no allowance for a tenant-provided one.
Range/Microwave
$18
A microwave is not listed as a provided appliance and is assumed to be tenant-owned.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf
https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf
https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf
https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/doing-business/landlord-resources/
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$334
DP3 Annual Estimate$581
DP1 Monthly Equivalent$28
DP3 Monthly Equivalent$48
Replacement Value$56,200
Basis1,942 sqft / 1897
Nearby Houses
Photo unavailable
128 Carrick Ave
sold · 0.03 mi
Price: $87,950
3 bd / 1 ba · 1,660 sqft
Latest sale: $87,950 on Sep 08, 2025
Latest rent: —
Photo unavailable
2408 Eiler Ave
sold · 0.05 mi
Price: $85,000
2 bd / 1 ba · 1,054 sqft
Latest sale: $85,000 on Feb 24, 2022
Latest rent: $1,375 on Dec 17, 2025
Photo unavailable
49 Clifton St
sold · 0.06 mi
Price: $133,000
3 bd / 1 ba · 1,544 sqft
Latest sale: $133,000 on Nov 20, 2020
Latest rent: —
Photo unavailable
2329 Eiler Ave
sold · 0.08 mi
Price: $70,000
4 bd / 2 ba · 1,775 sqft
Latest sale: $70,000 on Jun 05, 2025
Latest rent: —
Photo unavailable
27 Clifton St
sold · 0.09 mi
Price: $195,000
3 bd / 2 ba · 2,017 sqft
Latest sale: $195,000 on Aug 17, 2021
Latest rent: —
Photo unavailable
46 Clifton St
sold · 0.10 mi
Price: $170,000
— bd / — ba
Latest sale: $170,000 on Oct 04, 2024
Latest rent: —
Photo unavailable
164 Nuzum Ave
sold · 0.11 mi
Price: $164,900
4 bd / 2 ba · 1,552 sqft
Latest sale: $164,900 on Nov 19, 2020
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Potential lead-based paint hazard: visible chipping/peeling on stair balusters (house built 1897).
- No visible central heating equipment in photos — heating system not verified.
- Ceiling discoloration/staining in living areas suggesting past or possible active water intrusion.
- No visible CO detector and no visible GFCI-protected kitchen outlets in photos (both commonly required).
- Surface-mounted wiring/cable in stair/entry area that requires verification to ensure no exposed live wiring.
Assumptions
- Photos are representative of the overall interior and exterior condition (no unseen catastrophic damage in non-photographed areas).
- Stove and refrigerator in kitchen photos are functional or repairable; missing appliances are not a deal-breaker.
- Smoke detector(s) shown are functional; additional detectors and CO alarms may be required in bedrooms and hallways per local code/NSPIRE.
- No boiler/furnace was visible in photos; a working heating system exists somewhere in the house but was not photographed—this must be verified on-site.
- Electrical panel, water heater, and HVAC equipment locations and conditions are unknown and could change the score if found defective.
- Peeling paint on stair balusters is assumed to be more than surface dust and therefore raises lead-paint concern because the house was built in 1897.
- Bathrooms were not photographed; plumbing fixture conditions and hot water availability are assumed typical but unknown.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,788 | $72,300 | $72,300 |
| 2024 | $1,665 | $72,300 | $72,300 |
| 2023 | $1,665 | $72,300 | $72,300 |
| 2022 | $1,644 | $72,300 | $72,300 |
| 2021 | $1,644 | $72,300 | $72,300 |
| 2020 | $1,636 | $72,300 | $72,300 |
| 2019 | $1,636 | $72,300 | $72,300 |
| 2018 | $1,636 | $72,300 | $72,300 |
| 2017 | $1,636 | $72,300 | $72,300 |
| 2016 | $1,654 | $72,300 | $72,300 |
| 2015 | $1,654 | $72,300 | $72,300 |
| 2014 | $1,586 | $72,300 | $72,300 |
| 2013 | $1,894 | $72,300 | $72,300 |
| 2012 | $1,094 | $36,000 | $36,000 |
| 2011 | $1,058 | $36,000 | $36,000 |
| 2010 | $1,058 | $36,000 | $36,000 |
| 2009 | $1,058 | $36,000 | $36,000 |
| 2008 | $1,058 | $36,000 | $36,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2010-08-13 | Sold | $41,760 |
| 2005-08-24 | Sold | $55,000 |
Photo Gallery
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{
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{
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"label": "Major systems & mechanical condition",
"score": 55.0,
"rationale": "Major building systems (heating source, water heater, electrical panel, and hot water) are not shown. No visible furnace, boiler, or HVAC unit in photos. Stove is electric; water heater and electrical panel locations and conditions unknown. Given home age (1897) and lack of visible heating equipment, there is moderate risk that systems may need servicing or replacement. Without verification, systems score is conservative—repair/verification likely required before inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Brick facade and porch appear intact; roofline visible from the front shows no obvious major collapse or large missing sections. Front yard is on a slope with concrete stairs; there is a metal handrail on one side of the stair run but the handrail/guard on the porch edge and the condition of rail fasteners should be checked. Vegetation is overgrowing near the house which may affect drainage. No signs of standing water or collapsed foundation visible from provided exterior photo, but full perimeter inspection recommended."
}
],
"red_flags": [
"Potential lead-based paint hazard: visible chipping/peeling on stair balusters (house built 1897).",
"No visible central heating equipment in photos — heating system not verified.",
"Ceiling discoloration/staining in living areas suggesting past or possible active water intrusion.",
"No visible CO detector and no visible GFCI-protected kitchen outlets in photos (both commonly required).",
"Surface-mounted wiring/cable in stair/entry area that requires verification to ensure no exposed live wiring."
],
"confidence": 0.65,
"assumptions": [
"Photos are representative of the overall interior and exterior condition (no unseen catastrophic damage in non-photographed areas).",
"Stove and refrigerator in kitchen photos are functional or repairable; missing appliances are not a deal-breaker.",
"Smoke detector(s) shown are functional; additional detectors and CO alarms may be required in bedrooms and hallways per local code/NSPIRE.",
"No boiler/furnace was visible in photos; a working heating system exists somewhere in the house but was not photographed—this must be verified on-site.",
"Electrical panel, water heater, and HVAC equipment locations and conditions are unknown and could change the score if found defective.",
"Peeling paint on stair balusters is assumed to be more than surface dust and therefore raises lead-paint concern because the house was built in 1897.",
"Bathrooms were not photographed; plumbing fixture conditions and hot water availability are assumed typical but unknown."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 5-bedroom, 2-bath 1897 brick single-family shows typical cosmetic deferred maintenance but no obvious structural collapse. The biggest inspection risks are an exposed cable along the stair (electrical hazard), ceiling staining indicating possible water intrusion, and unverified smoke/CO detector and GFCI coverage. Major systems (HVAC, water heater, electrical panel) are not shown and should be verified. With targeted fixes (secure/repair wiring, confirm/repair roof/ceiling leaks, ensure detectors/GFCIs, address carpets/paint) the property could pass an initial HCV/NSPIRE inspection within 2–6 weeks depending on mechanical verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs needed",
"score": 72.0,
"rationale": "Interior shows surface-level deferred maintenance: worn/stained carpeting throughout, chipped paint on stair newel and balusters, scuffed trim. Kitchen cabinets and countertops appear serviceable but dated; appliances (stove, fridge) are present but older. Tile floors in kitchen and entry are intact. No collapsed ceilings, exposed subfloor, or major structural breakage visible. These are mostly cosmetic or moderate repairs (flooring, paint, minor carpentry, appliance refresh) that should be completed before move-in."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Some safety concerns visible or unverified: a loose/unsecured cable runs along the stair wall (visible exposed wiring routing) which is an electrical hazard that must be corrected. A ceiling area near an upper window shows discoloration/possible water staining indicating prior or active leak that could affect ceilings/insulation. A round detector is visible in one interior photo but detector coverage (placement in each sleeping room, on each level) and presence of CO alarms is not verified. GFCI protection in kitchen/baths not visible in photos. Entry door and porch railing are present; stair handrail exists but some balusters are chipped/painted. These issues create moderate inspection risk until electrical routing and detector/GFCI/ leak status are verified and corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 60.0,
"rationale": "Key systems were not shown: HVAC equipment, water heater, and electrical panel are not visible. Floor vents are present (suggesting forced air), and no active furnace/boiler failure is visible in photos. Roofline visible from front appears intact with no obvious large sag or missing areas, but attic/roof condition and gutter/drainage were not inspected. Kitchen plumbing fixtures appear present; no visible leaks under sink area shown. Because mechanicals are unverified in photos but no catastrophic failure is visible, score reflects moderate uncertainty and potential for needed mechanical work given the home's 1897 construction."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior brick and porch appear generally intact. Front steps and metal handrail provide safe access though landscaping shows erosion/overgrowth on slope adjacent to steps and could use grading/cleanup to reduce trip hazards. No visible foundation collapse or major exterior wall cracking in photos. Driveway/sidewalk condition not fully shown. Overall exterior is serviceable but would benefit from cleanup and minor repairs."
}
],
"red_flags": [
"Exposed/loose electrical wiring routed along the interior stair (electrical hazard requiring correction).",
"Ceiling discoloration/stain in an upper room adjacent to a window consistent with prior or possible active water intrusion (possible roof or plumbing leak that must be investigated)."
],
"confidence": 0.65,
"assumptions": [
"Forced-air vents visible suggest there is a central heating/AC system, but equipment (furnace/AC unit, water heater) could not be inspected in photos and are assumed functional until proven otherwise.",
"Smoke detector visible in one photo; assume additional required detectors/CO alarms may be missing or not installed correctly and should be verified/installed as required by local code/NSPIRE.",
"Electrical panel location and condition are not shown; assume panel is present on property and not visibly compromised. The visible loose cable is assumed to be low-voltage or improperly routed household wiring that requires correction.",
"Kitchen and bathrooms are present and plumbing fixtures operate, but hot water availability and drainage performance were not verified from photos.",
"Bedrooms have egress windows typical of older Pittsburgh homes; assume egress is acceptable but bedroom window sizes and basement bedroom availability should be confirmed for NSPIRE egress compliance.",
"No recent rental history available in MLS snapshot; rental_history_last_5y marked missing."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 5-bedroom 1897 single-family property shows typical cosmetic wear for its age but no clear catastrophic structural failure in the provided photos. The unit is likely to pass a Section 8 / HCV initial inspection after moderate repairs and safety upgrades: repair/patch and paint ceiling areas, address any active leak source, install carbon monoxide alarms, verify/upgrade kitchen GFCI protection, secure/repair any loose stair components, and confirm functioning heating and hot water systems. Expected time-to-rent readiness is roughly 2–6 weeks depending on verification and remediation of the ceiling water issue and mechanical system checks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior is cosmetically worn but largely intact: wall/ceiling cracks, stained/discolored ceiling areas, worn carpeting, scuffed trim and chipped paint on balusters/newel. Kitchen cabinets appear serviceable; stove and refrigerator are present (older/dirty but not missing). Most issues are cosmetic or moderate repairs (cleaning, painting, carpet replacement, patch/paint ceiling) that are straightforward and not structural. No exposed subfloor, collapsed ceilings, or evident major deterioration in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 60.0,
"rationale": "Smoke detector(s) are visible in living/entry areas (positive). No carbon monoxide detector is visible in photos. Kitchen GFCI outlets are not visible and likely not present on older circuits — may fail NSPIRE kitchen GFCI requirement. Ceiling discoloration suggests prior or active water intrusion which can raise safety concerns until investigated. Entry door appears to have a deadbolt and lock, stairs have a handrail/newel (paint-chipped) — no obvious missing guardrail or severe trip hazards seen. Overall moderate risk: several quickly-correctable items (CO alarm, confirm/upgrade GFCI, repair ceiling leak) needed for inspection pass."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 55.0,
"rationale": "Evidence of central forced-air vents on floor suggests heating/air distribution exists, but no furnace, boiler, water heater, or electrical panel are photographed for verification. Kitchen plumbing and sink appear functional with no visible active leaks in photos. Ceiling stains indicate possible roof or plumbing leak that requires investigation and repair. Electrical appears generally intact with no visible exposed live wiring, although some cabling runs along walls. Because critical systems are not documented in photos (furnace, water heater, panel) and there is evidence of water staining, assign moderate concern requiring service checks."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Brick exterior and porch appear serviceable; front stairs and handrail present and usable. Yard shows neglect/overgrowth and some erosion on slope but no standing water or large foundation cracks visible from the provided exterior image. Porch roof and dormer appear intact from the street view; chimney present. Overall exterior condition is serviceable but will benefit from cleanup, handrail/step inspection, and minor drainage/landscaping work."
}
],
"red_flags": [
"Ceiling discoloration/staining consistent with past or active water intrusion — investigate roof/plumbing leak",
"Chipped/peeling paint on balusters and trim on a home built in 1897 — potential lead-based paint risk (requires evaluation)",
"No carbon monoxide detector visible in photos (CO alarm likely required)",
"No visible GFCI-protected outlet in kitchen photos — may fail electrical safety requirement",
"Critical mechanical components (furnace/boiler, water heater, electrical panel) not shown — condition unverified and must be confirmed prior to inspection"
],
"confidence": 0.6,
"assumptions": [
"Heating system is present and operational (floor vents observed) though furnace/boiler was not photographed.",
"Water heater and electrical panel exist in the property but were not shown; their condition is unknown.",
"Both full bathrooms exist and are functional as listed but were not photographed.",
"Bedrooms have adequate egress windows typical for houses of this era (not individually verified).",
"Stained ceiling areas indicate prior or ongoing water intrusion that may be repairable (not verified as active leak).",
"Smoke detectors visible are functional; additional CO alarms and properly-located smoke alarms may be required by local code.",
"Kitchen appliances (stove and refrigerator) are present but older; their safety and performance should be tested during inspection."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "118 Carrick Ave, Pittsburgh, PA, 15210",
"aggregate": {
"summary": "This 5-bedroom 1897 single-family home appears structurally intact and would likely require mostly cosmetic and verification work to pass an initial HCV/NSPIRE inspection. Expect cleaning, carpet replacement, paint touch-ups (addressing lead-paint risk if present), installation/verification of CO detectors and GFCIs, and mechanical system verification (heating, hot water, electrical panel). The property is not turnkey but seems achievable to bring to compliance within 30 days if systems are functional and lead/mold issues are absent. Key risks that may push this to a deeper repair scope are evidence of active water intrusion, undocumented/failed heating or electrical systems, or confirmed lead hazards on surfaces accessible to children.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 72.3,
"rationale": "Interior appears largely intact and functional but dated. Carpets are worn and stained in multiple photos, paint is chipped on stair balusters and trim, and there is general cosmetic wear in living spaces. Kitchen has cabinets, counter and working-looking sink; stove and refrigerator are present (fridge looks aged/dirty). No major visible structural damage or collapsed surfaces. These are mostly cosmetic/maintenance items and moderate-level turnover work (cleaning, carpet replacement, paint, minor carpentry)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Brick facade and porch appear intact; roofline visible from the front shows no obvious major collapse or large missing sections. Front yard is on a slope with concrete stairs; there is a metal handrail on one side of the stair run but the handrail/guard on the porch edge and the condition of rail fasteners should be checked. Vegetation is overgrowing near the house which may affect drainage. No signs of standing water or collapsed foundation visible from provided exterior photo, but full perimeter inspection recommended."
},
{
"key": "safety_code",
"label": "NSPIRE / safety & code risk",
"score": 60.0,
"rationale": "Some positive indicators: at least one ceiling smoke alarm visible and the main entry door has a deadbolt. Typical egress windows appear present. However there are multiple inspection risks visible or not-addressed in photos: peeling/chipped paint on stair balusters (house built 1897 → potential lead-based paint hazard), no carbon monoxide alarm visible, no visible GFCI outlets in kitchen, a surface-mounted cable/wire in stair area (could be low-voltage but needs verification), and a faint ceiling discoloration/stain near a room corner indicating possible past or active water intrusion. These items create a tangible risk of failing an initial NSPIRE inspection until verified/corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 56.7,
"rationale": "Major building systems (heating source, water heater, electrical panel, and hot water) are not shown. No visible furnace, boiler, or HVAC unit in photos. Stove is electric; water heater and electrical panel locations and conditions unknown. Given home age (1897) and lack of visible heating equipment, there is moderate risk that systems may need servicing or replacement. Without verification, systems score is conservative—repair/verification likely required before inspection."
}
],
"red_flags": [
"Potential lead-based paint hazard: visible chipping/peeling on stair balusters (house built 1897).",
"No visible central heating equipment in photos — heating system not verified.",
"Ceiling discoloration/staining in living areas suggesting past or possible active water intrusion.",
"No visible CO detector and no visible GFCI-protected kitchen outlets in photos (both commonly required).",
"Surface-mounted wiring/cable in stair/entry area that requires verification to ensure no exposed live wiring."
],
"confidence": 0.95,
"assumptions": [
"Photos are representative of the overall interior and exterior condition (no unseen catastrophic damage in non-photographed areas).",
"Stove and refrigerator in kitchen photos are functional or repairable; missing appliances are not a deal-breaker.",
"Smoke detector(s) shown are functional; additional detectors and CO alarms may be required in bedrooms and hallways per local code/NSPIRE.",
"No boiler/furnace was visible in photos; a working heating system exists somewhere in the house but was not photographed—this must be verified on-site.",
"Electrical panel, water heater, and HVAC equipment locations and conditions are unknown and could change the score if found defective.",
"Peeling paint on stair balusters is assumed to be more than surface dust and therefore raises lead-paint concern because the house was built in 1897.",
"Bathrooms were not photographed; plumbing fixture conditions and hot water availability are assumed typical but unknown."
],
"score_method": "mean_of_criteria",
"overall_score": 64.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4274043829"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.