Property ID: 4277461381
101 Maplewood Dr, Pandora, OH, 45877
Pandora, OH
Money Down: $40,656
CoC Return: -5.32%
Monthly Cash Flow: $-180
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,880
Closing Costs
$6,776
Total Down
$40,656
Investment Snapshot
Purchase Price
$169,400
Money Down
$40,656
Cash-on-Cash Return
-5.32%
Rent
$995
Monthly Cash Flow
$-180
Annual Cash Flow
$-2,164
Debt Service / Mo
$902
Property Tax / Mo
$121
Insurance / Mo
$53
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$995
Payment Standard
$1,263
Rent
$995
Insurance
$53
Property Tax
$121
Management
$100
Utilities Allowance
$268
NOI (Monthly)
$721
Debt Service
$902
Cash Flow After Debt
$-180
Quality Score: 75.00%
Confidence: 93.00%
Overall this 3-bed ranch appears largely move-in ready for a Housing Choice Voucher tenant with minor cosmetic repairs and typical verification items needed. Visible systems (water heater, laundry, stove/oven, refrigerator) are present; exterior and interior conditions are sound. Primary NSPIRE concerns to confirm at inspection: presence/placement of CO detector(s), GFCI protection in kitchen/bath, deadbolt on entry door, fireplace certification/cleaning, and operational verification of HVAC and electrical panel. With those verifications and small fixes (if any), the property is likely to pass an initial HCV/NSPIRE inspection within 1-4 weeks.
Section 8 Payment Standard
$1,263
Utility Allowance Total
$268
Guaranteed Section 8 Rent (PS - Utilities)
$995
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$169,400
Beds
3
Baths
1.5
Living Area
1,704 sqft
Lot Size
14,475 sqft
Year Built
1958
Days on Market
289
Capital Outlay
$40,656
Debt Service
$902
Property Tax / Mo
$121
Insurance / Mo
$53
Property Description
Cozy ranch on a quiet dead end. Move in ready 3 bed 1.5 bath ranch is ready for you! Beautiful vaulted ceilings and spacious living space is inviting and comes furnished with couch, corner cabinet and floating shelf under the tv. The sunken tub is unique, primary bed is spacious and outdoor space is limited only to your imagination. Schedule your showing today!
Utility Allowances
Heating
$82
Selected 'Electric' for heating as the property listing specifies 'Electric, Radiant' heating. The value is for a 3-bedroom unit.
Cooking
$13
Selected 'Electric' for cooking as the property's appliance list includes 'Electric Oven' and 'Electric Range'. The value is for a 3-bedroom unit.
Water Heating
$41
Selected 'Electric' for water heating. The property includes a water heater, and electric is assumed to be the fuel type, consistent with the electric heating and cooking systems. The value is for a 3-bedroom unit.
Other Electric
$39
This is a standard allowance for general electricity usage (e.g., lights, outlets) for a 3-bedroom unit.
Air Conditioning
$0
Property has 'Wall Unit(s)' for cooling, but the utility schedule does not provide an allowance (value is null) for this utility. Therefore, the allowance is $0.
Water
$32
The property uses 'Public' water, and this is the standard allowance for a 3-bedroom unit.
Sewer
$36
The property has 'Sanitary Sewer', and this is the standard allowance for a 3-bedroom unit.
Trash Collection
$25
This is a standard fixed allowance for trash service, as specified in the schedule for a 3-bedroom unit.
Refrigerator
$0
The property listing indicates a refrigerator is provided. Therefore, the tenant-paid allowance for this appliance is $0.
Range
$0
The property listing indicates a range/oven is provided. Therefore, the tenant-paid allowance for this appliance is $0.
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$620
DP3 Annual Estimate$648
DP1 Monthly Equivalent$52
DP3 Monthly Equivalent$54
Replacement Value$117,200
Basis1,704 sqft / 1958
Nearby Houses
Photo unavailable
Address unavailable
sold · 0.03 mi
Price: $25,000
3 bd / 2 ba · 2,132 sqft
Latest sale: $25,000 on Nov 07, 2013
Latest rent: —
Photo unavailable
208 N High St
sold · 0.05 mi
Price: $105,000
2 bd / 1 ba · 1,049 sqft
Latest sale: $105,000 on Aug 29, 2022
Latest rent: —
Photo unavailable
201 Hart St
sold · 0.05 mi
Price: $95,000
3 bd / 2 ba · 1,776 sqft
Latest sale: $95,000 on Jul 06, 2017
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.06 mi
Price: $150,000
2 bd / 2 ba · 1,544 sqft
Latest sale: $150,000 on May 04, 2021
Latest rent: —
Photo unavailable
211 Diller St
sold · 0.07 mi
Price: $88,000
2 bd / 1 ba · 1,008 sqft
Latest sale: $88,000 on May 18, 2020
Latest rent: —
Photo unavailable
209 E Washington St
sold · 0.07 mi
Price: $124,900
3 bd / 1 ba · 1,240 sqft
Latest sale: $124,900 on Oct 20, 2023
Latest rent: —
Photo unavailable
199 Hart St
for_sale · 0.07 mi
Price: $204,900
3 bd / 2 ba · 1,200 sqft
Latest sale: $110,000
Latest rent: —
Photo unavailable
201 E Washington St
sold · 0.08 mi
Price: $145,000
4 bd / 3 ba · 2,408 sqft
Latest sale: $145,000 on Nov 22, 2023
Latest rent: —
Photo unavailable
206 Dogwood Ln
sold · 0.09 mi
Price: $289,900
4 bd / 3 ba · 2,284 sqft
Latest sale: $289,900 on Dec 07, 2020
Latest rent: —
Photo unavailable
303 Diller St
sold · 0.10 mi
Price: $179,900
3 bd / 2 ba · 1,476 sqft
Latest sale: $179,900 on May 02, 2022
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central heating/cooling system exists and is operational (thermostat and floor vent visible) though the HVAC unit was not photographed.
- At least one smoke detector is installed (visible in living area), but additional detectors/CO alarms required by code may or may not be present.
- Electrical panel is intact and grounded; no visible exposed wiring in photos suggests no immediate electrical hazard but panel and breakers must be inspected.
- GFCI protection in kitchen and bathrooms is not clearly visible in photos and should be confirmed; lack would require correction but is an easy-to-fix item.
- Front entry has a functioning lock; deadbolt not visible in photos — if absent it should be added (minor repair).
- Fireplace is intact but condition, chimney flue and clearances are unverified; may require sweep/certificate prior to regular use.
- No signs of active roof leaks, major foundation movement, or severe mold were visible in provided photos; such issues are assumed absent unless discovered on-site.
- Appliances shown (fridge, electric cooktop, oven, washer/dryer) will remain or be provided; missing large appliances would moderately reduce readiness but are not present here.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,414 | $145,370 | $50,880 |
| 2023 | $1,454 | $145,370 | $50,880 |
| 2022 | $1,570 | $119,970 | $41,990 |
| 2021 | $1,573 | $119,970 | $41,990 |
| 2020 | $1,571 | $119,970 | $41,990 |
| 2019 | $1,456 | $115,060 | $40,270 |
| 2018 | $1,489 | $115,060 | $40,270 |
| 2017 | $1,447 | $115,060 | $40,270 |
| 2016 | $1,365 | $110,940 | $38,830 |
| 2015 | $1,360 | $110,940 | $38,830 |
| 2014 | $1,319 | $110,940 | $38,830 |
| 2013 | $2,056 | $110,940 | $38,830 |
| 2012 | $2,038 | $110,940 | $38,830 |
| 2011 | $2,052 | $110,940 | $38,830 |
| 2010 | $2,038 | $109,680 | $38,390 |
| 2009 | $2,046 | $109,680 | $38,390 |
| 2008 | $2,046 | $109,680 | $38,390 |
| 2006 | $1,857 | $99,740 | $34,910 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-06-19 | Sold | $150,000 |
| 2022-06-21 | Sold | $122,500 |
Photo Gallery
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"list_date": "2025-09-20T06:22:16Z",
"list_price": 123900,
"listing_id": "2942025481",
"last_update_date": "2024-09-01T05:39:33Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Sold",
"price_sqft": 71.88967136150235,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "208103",
"price_change_percentage": null
},
{
"date": "2020-09-21",
"price": 88000,
"listing": null,
"event_name": "Sold",
"price_sqft": 51.64319248826291,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2018-09-05",
"price": 81500,
"listing": {
"status": "sold",
"list_date": "2025-09-20T06:22:16Z",
"list_price": 85000,
"listing_id": "608793089",
"last_update_date": "2024-08-31T07:38:27Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Sold",
"price_sqft": 47.828638497652584,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": "121 days",
"source_listing_id": "108710",
"price_change_percentage": "-23.04%"
},
{
"date": "2018-07-13",
"price": 85000,
"listing": {
"status": "sold",
"list_date": "2025-09-20T06:22:16Z",
"list_price": 85000,
"listing_id": "608793089",
"last_update_date": "2024-08-31T07:38:27Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Price Changed",
"price_sqft": 49.882629107981224,
"source_name": "WestCentralOH",
"price_change": -4900,
"days_after_listed": null,
"source_listing_id": "108710",
"price_change_percentage": null
},
{
"date": "2018-06-21",
"price": 89900,
"listing": {
"status": "sold",
"list_date": "2025-09-20T06:22:16Z",
"list_price": 85000,
"listing_id": "608793089",
"last_update_date": "2024-08-31T07:38:27Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Price Changed",
"price_sqft": 52.75821596244131,
"source_name": "WestCentralOH",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "108710",
"price_change_percentage": null
},
{
"date": "2018-05-23",
"price": 99900,
"listing": {
"status": "sold",
"list_date": "2025-09-20T06:22:16Z",
"list_price": 85000,
"listing_id": "608793089",
"last_update_date": "2024-08-31T07:38:27Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Price Changed",
"price_sqft": 58.62676056338028,
"source_name": "WestCentralOH",
"price_change": -6000,
"days_after_listed": null,
"source_listing_id": "108710",
"price_change_percentage": null
},
{
"date": "2018-05-07",
"price": 105900,
"listing": {
"status": "sold",
"list_date": "2025-09-20T06:22:16Z",
"list_price": 85000,
"listing_id": "608793089",
"last_update_date": "2024-08-31T07:38:27Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Listed",
"price_sqft": 62.147887323943664,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "108710",
"price_change_percentage": "+59.25%"
},
{
"date": "2010-12-17",
"price": 66500,
"listing": null,
"event_name": "Sold",
"price_sqft": 39.02582159624413,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": "31 days",
"source_listing_id": null,
"price_change_percentage": "-11.21%"
},
{
"date": "2010-11-16",
"price": 74900,
"listing": {
"status": "sold",
"list_date": "2010-11-16T07:00:00Z",
"list_price": 74900,
"listing_id": "519811329",
"last_update_date": "2010-12-17T12:00:00Z",
"last_status_change_date": "2010-12-17T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 43.955399061032864,
"source_name": "Findlay",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "118666",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "4277461381",
"generated_at": "2026-02-24T23:34:27.544174Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 75.0
},
"utility_allowance": {
"zip_code": "45877",
"home_photo": "https://ap.rdcpix.com/4be1580264ef93acbbd07f0d341c25fcl-m4039681845s-w1280.jpg",
"rent_price": 995.0,
"loan_amount": 135520.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/101-Maplewood-Dr_Pandora_OH_45877_M42774-61381",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 169400.0,
"loan_term_years": 30,
"annual_cash_flow": 8655.58,
"mortgage_monthly": 901.62,
"payment_standard": 1263.0,
"total_amount_out": 33880.0,
"additional_photos": [
"https://ap.rdcpix.com/4be1580264ef93acbbd07f0d341c25fcl-m633997828s-w1280.jpg",
"https://ap.rdcpix.com/4be1580264ef93acbbd07f0d341c25fcl-m991799235s-w1280.jpg",
"https://ap.rdcpix.com/4be1580264ef93acbbd07f0d341c25fcl-m321684162s-w1280.jpg",
"https://ap.rdcpix.com/4be1580264ef93acbbd07f0d341c25fcl-m300986541s-w1280.jpg",
"https://ap.rdcpix.com/4be1580264ef93acbbd07f0d341c25fcl-m2845148089s-w1280.jpg",
"https://ap.rdcpix.com/4be1580264ef93acbbd07f0d341c25fcl-m1458383855s-w1280.jpg",
"https://ap.rdcpix.com/4be1580264ef93acbbd07f0d341c25fcl-m4120465486s-w1280.jpg",
"https://ap.rdcpix.com/4be1580264ef93acbbd07f0d341c25fcl-m1588399054s-w1280.jpg",
"https://ap.rdcpix.com/4be1580264ef93acbbd07f0d341c25fcl-m3110660520s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 52.83,
"monthly_cash_flow": 721.3,
"property_tax_rate": 0.009899999999999999,
"_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": "Selected 'Electric' for heating as the property listing specifies 'Electric, Radiant' heating. The value is for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 82
},
{
"note": "Selected 'Electric' for cooking as the property's appliance list includes 'Electric Oven' and 'Electric Range'. The value is for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Selected 'Electric' for water heating. The property includes a water heater, and electric is assumed to be the fuel type, consistent with the electric heating and cooking systems. The value is for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 41
},
{
"note": "This is a standard allowance for general electricity usage (e.g., lights, outlets) for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "Property has 'Wall Unit(s)' for cooling, but the utility schedule does not provide an allowance (value is null) for this utility. Therefore, the allowance is $0.",
"utility": "Air Conditioning",
"allowance": 0
},
{
"note": "The property uses 'Public' water, and this is the standard allowance for a 3-bedroom unit.",
"utility": "Water",
"allowance": 32
},
{
"note": "The property has 'Sanitary Sewer', and this is the standard allowance for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "This is a standard fixed allowance for trash service, as specified in the schedule for a 3-bedroom unit.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "The property listing indicates a refrigerator is provided. Therefore, the tenant-paid allowance for this appliance is $0.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property listing indicates a range/oven is provided. Therefore, the tenant-paid allowance for this appliance is $0.",
"utility": "Range",
"allowance": 0
}
],
"cash_on_cash_return": 0.26,
"down_payment_amount": 33880.0,
"property_tax_annual": 1456.42,
"property_tax_monthly": 121.37,
"property_tax_increase": 0.03,
"utility_allowance_total": 268.0,
"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": 2024,
"annual_cash_flow_after_debt": -2163.84,
"property_management_monthly": 99.5,
"monthly_cash_flow_after_debt": -180.32,
"cash_on_cash_return_after_debt": -0.06
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3-bed ranch appears largely move-in ready for a Housing Choice Voucher tenant with minor cosmetic repairs and typical verification items needed. Visible systems (water heater, laundry, stove/oven, refrigerator) are present; exterior and interior conditions are sound. Primary NSPIRE concerns to confirm at inspection: presence/placement of CO detector(s), GFCI protection in kitchen/bath, deadbolt on entry door, fireplace certification/cleaning, and operational verification of HVAC and electrical panel. With those verifications and small fixes (if any), the property is likely to pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show a well-maintained ranch with updated kitchen cabinets, intact flooring, clean carpeting, and no obvious water stains. Appliances (refrigerator, range/oven, dishwasher not shown) appear present; washer/dryer and water heater are installed. Minor observable issues: small ceiling hairline cracks, some cosmetic wear at thresholds and trim, and built-in fireplace that may require cleaning/certificate. These are mostly cosmetic or routine maintenance and repair items — moderate, easy-to-fix items rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No visible exposed wiring, broken handrails, collapsed ceilings, or standing water. A smoke detector is visible in a main area; a fire extinguisher is mounted by the utility/laundry room. Bedroom egress looks adequate (standard-size windows). Missing/uncertain items: no visible carbon monoxide detector, GFCI protection in kitchen/bathrooms not clearly visible, deadbolt not confirmed on main entry, and the fireplace lacks visible certification/cover signage. Those unknowns create moderate NSPIRE risk but no immediate visible life-threatening hazards in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Elec / Water Heater)",
"score": 70.0,
"rationale": "Water heater and laundry hookups are present and appear serviceable; a vent/grille and thermostat suggest central HVAC but no furnace/AC unit photo was provided. Electrical panel/location not shown. Plumbing fixtures (kitchen sink, laundry) appear functional in photos. Because major systems are present and show no visible failure but are not fully documented in photos, risk is moderate — likely functioning but should be verified on inspection (furnace/AC operation, electrical panel condition, GFCI operation, hot water delivery)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior photos show maintained lawn, intact siding and brick, an intact roofline with no visible sagging or large missing shingles, and a sound carport/walkway. Trees are mature but not obviously affecting the foundation. Walkway has minor cracking but no major trip hazards. Overall the site appears well-kept with low risk for immediate exterior repair."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central heating/cooling system exists and is operational (thermostat and floor vent visible) though the HVAC unit was not photographed.",
"At least one smoke detector is installed (visible in living area), but additional detectors/CO alarms required by code may or may not be present.",
"Electrical panel is intact and grounded; no visible exposed wiring in photos suggests no immediate electrical hazard but panel and breakers must be inspected.",
"GFCI protection in kitchen and bathrooms is not clearly visible in photos and should be confirmed; lack would require correction but is an easy-to-fix item.",
"Front entry has a functioning lock; deadbolt not visible in photos — if absent it should be added (minor repair).",
"Fireplace is intact but condition, chimney flue and clearances are unverified; may require sweep/certificate prior to regular use.",
"No signs of active roof leaks, major foundation movement, or severe mold were visible in provided photos; such issues are assumed absent unless discovered on-site.",
"Appliances shown (fridge, electric cooktop, oven, washer/dryer) will remain or be provided; missing large appliances would moderately reduce readiness but are not present here."
],
"overall_score": 76.0,
"rubric_version": "2026-02-24_v1"
},
{
"summary": "Overall this 3-bed ranch appears in good cosmetic condition and is likely to pass an initial HCV/NSPIRE inspection after minor, routine items are verified and possibly corrected (confirm/replace CO alarms, confirm GFCI outlets in kitchen/bath, verify HVAC operation and electrical panel). No major structural or life-safety failures are visible in the photos. Expect the property to be rent-ready with 1-4 weeks of verification and minor fixes; allow additional time if mechanical systems require servicing or if CO/GFCI work is needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show a well-maintained mid-century ranch with updated kitchen cabinets, functional-looking appliances (electric cooktop, wall oven, fridge), clean carpeted living areas, and tidy finishes. Cosmetic issues observed are minor: small ceiling hairline cracks in living area, some wear on the laundry room floor coating, and minor sidewalk/driveway cracking. Missing or broken items are not evident. Overall condition appears move-in ready with only minor repairs/cosmetic touch-ups likely needed."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards in photos: no visible ceiling collapse, active leaks, standing water, or exposed wiring. A smoke detector is visible in one interior photo above the kitchen/living area. Carbon monoxide detector(s) are not visible in photos (may be required). GFCI outlets in kitchen/bath are not visible from images. Bedroom windows appear adequate for egress; entry door looks secure though a deadbolt is not shown. Fireplace has a metal closure but would need professional inspection/cleaning prior to use. Because several NSPIRE safety items (CO alarms, GFCI locations, electrical panel condition, deadbolt presence) cannot be confirmed from photos, moderate risk remains until verified."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 65.0,
"rationale": "Water heater is present in the laundry room and appears recently labeled; laundry appliances present. Kitchen appliances (electric cooktop and wall oven) appear intact. Roofline appears straight with no visible sagging and exterior chimney looks intact. However, central HVAC equipment (furnace/AC) is not shown; thermostat is visible but no confirmation of working heating/cooling. Electrical panel location and condition are not shown. Plumbing fixtures visible appear functional but hot-water operation cannot be directly confirmed. Because critical systems (heating/cooling, electrical panel) are unverified, score reduced to reflect inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 78.0,
"rationale": "Exterior photos show intact siding/brick, level roofline, maintained lawn and walkways, and a sheltered carport. Trees are mature and close to the house which is normal but increases need for routine roof/gutter maintenance. Walkway and small concrete areas show minor age cracking but no evidence of foundation displacement or major drainage issues. No visible infestation, standing water, or major envelope damage."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior photos represent the typical condition of the whole unit (no unseen areas with severe deferred maintenance).",
"Smoke detector shown in living area is functional; additional smoke/CO detectors may be required per code and may not be present in photos.",
"Kitchen appliances (cooktop, wall oven, refrigerator) are intact and operational but have not been function-tested in photos.",
"A central heating and/or cooling system is present and functional (thermostat visible), but equipment location and condition were not photographed.",
"Electrical panel exists and is serviceable; no visible exposed wiring was observed in photos but panel condition is unconfirmed.",
"No active roof leaks or significant foundation movement are present based on visible roofline and exterior photos; close-up roof inspection was not provided."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely rent-ready with well-kept interior and exterior and most major systems visually present (water heater, washer/dryer, kitchen appliances, thermostat). Primary inspection risks are documentation/verification items: presence and placement of smoke and carbon monoxide alarms, GFCI protection at kitchen/bath, and mechanical service status (furnace/AC, electrical panel). No major structural or life-safety defects are visible in the provided photos. Expect a likely pass on an initial HCV/NSPIRE inspection after verification/installation of required detectors and minor touch-ups (outlet covers, ceiling crack repair, carpet cleaning).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show a well-maintained single-story ranch with updated-looking kitchen cabinets and countertops, intact flooring (carpet and vinyl/wood-look), and no visible major cosmetic damage. Appliances (refrigerator, coil cooktop, wall oven) and washer/dryer are present which reduces turnkey work. Minor visible issues: small ceiling hairline cracks in one bedroom, some worn carpet areas and minor concrete/walkway cracking. Sunken tub noted in listing (cosmetic). Missing minor items such as outlet covers/GFCI cannot be confirmed from photos and would be easy fixes. Overall condition indicates only minor-to-moderate repairs/cleaning required prior to move-in."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 68.0,
"rationale": "No life-threatening hazards are visible in photos: there are clear egress windows in bedrooms, clear exit paths, and no visible standing water, active leaks, collapsed ceilings, or exposed major wiring. A round detector device is visible near the kitchen/living area which suggests at least one alarm; however detectors in all sleeping areas and halls, and CO alarms (requirements for homes with fuel-burning appliances or attached garages) are not visible in the photos and cannot be confirmed. GFCI presence at kitchen sink and bathrooms is not shown. The fireplace appears intact but flue/chimney condition and safety not verifiable from photos. Because smoke/CO/GFCI compliance is unknown, assign a moderate risk score pending verification/installation of required detectors and GFCI protection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, water heater, roof)",
"score": 74.0,
"rationale": "Photos show a water heater in the laundry room and a washer/dryer, indicating functional plumbing in that area. A thermostat is visible on a wall, implying central heating/AC exists though the equipment itself (furnace/AC) and its operational condition are not pictured. The roof appears intact with no visible sagging or active leaks from exterior photos. No electrical panel is shown; no exposed wiring is visible in living spaces. Given the house age (1958) some systems may be older but visible evidence points to functional, conventional systems — moderate score until mechanical service records/inspections are provided."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 86.0,
"rationale": "Exterior images show a maintained yard, even grading, healthy turf and mature trees, and a carport/drive in good condition. Siding and masonry appear intact and there is no visible foundation separation or major settling. Walkways and driveway show only minor cracking. No visible evidence of infestation or major drainage pooling. Tree proximity to roof is notable but not presently showing damage."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Central heating and cooling are present and operational (thermostat visible) though system equipment is not photographed.",
"Water heater pictured is functional and provides hot water; no active leaks in mechanical area are assumed because none are visible.",
"Smoke detector(s) are limited or not present in all required locations; at least one alarm device is visible but full compliance (sleeping areas/hallways) is unverified.",
"Carbon monoxide alarms and GFCI outlets may be missing or not visible in photos; their absence would require installation to meet NSPIRE.",
"Electrical panel exists and is intact but was not photographed; no exposed live wiring observed in living spaces.",
"No active roof leaks or major structural foundation movement are present — inference based on no visible interior water stains or sagging.",
"No visible peeling paint or severe mold was observed in photos; however the house was built in 1958 so lead-risk paint is a regulatory consideration until abated or tested.",
"Fireplace appears intact but chimney/flue condition and safety certification were not verified from photos."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "101 Maplewood Dr, Pandora, OH, 45877",
"aggregate": {
"summary": "Overall this 3-bed ranch appears largely move-in ready for a Housing Choice Voucher tenant with minor cosmetic repairs and typical verification items needed. Visible systems (water heater, laundry, stove/oven, refrigerator) are present; exterior and interior conditions are sound. Primary NSPIRE concerns to confirm at inspection: presence/placement of CO detector(s), GFCI protection in kitchen/bath, deadbolt on entry door, fireplace certification/cleaning, and operational verification of HVAC and electrical panel. With those verifications and small fixes (if any), the property is likely to pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 79.3,
"rationale": "Interior and exterior photos show a well-maintained ranch with updated kitchen cabinets, intact flooring, clean carpeting, and no obvious water stains. Appliances (refrigerator, range/oven, dishwasher not shown) appear present; washer/dryer and water heater are installed. Minor observable issues: small ceiling hairline cracks, some cosmetic wear at thresholds and trim, and built-in fireplace that may require cleaning/certificate. These are mostly cosmetic or routine maintenance and repair items — moderate, easy-to-fix items rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 83.0,
"rationale": "Exterior photos show maintained lawn, intact siding and brick, an intact roofline with no visible sagging or large missing shingles, and a sound carport/walkway. Trees are mature but not obviously affecting the foundation. Walkway has minor cracking but no major trip hazards. Overall the site appears well-kept with low risk for immediate exterior repair."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 69.3,
"rationale": "No visible exposed wiring, broken handrails, collapsed ceilings, or standing water. A smoke detector is visible in a main area; a fire extinguisher is mounted by the utility/laundry room. Bedroom egress looks adequate (standard-size windows). Missing/uncertain items: no visible carbon monoxide detector, GFCI protection in kitchen/bathrooms not clearly visible, deadbolt not confirmed on main entry, and the fireplace lacks visible certification/cover signage. Those unknowns create moderate NSPIRE risk but no immediate visible life-threatening hazards in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Elec / Water Heater)",
"score": 69.7,
"rationale": "Water heater and laundry hookups are present and appear serviceable; a vent/grille and thermostat suggest central HVAC but no furnace/AC unit photo was provided. Electrical panel/location not shown. Plumbing fixtures (kitchen sink, laundry) appear functional in photos. Because major systems are present and show no visible failure but are not fully documented in photos, risk is moderate — likely functioning but should be verified on inspection (furnace/AC operation, electrical panel condition, GFCI operation, hot water delivery)."
}
],
"red_flags": [],
"confidence": 0.93,
"assumptions": [
"Central heating/cooling system exists and is operational (thermostat and floor vent visible) though the HVAC unit was not photographed.",
"At least one smoke detector is installed (visible in living area), but additional detectors/CO alarms required by code may or may not be present.",
"Electrical panel is intact and grounded; no visible exposed wiring in photos suggests no immediate electrical hazard but panel and breakers must be inspected.",
"GFCI protection in kitchen and bathrooms is not clearly visible in photos and should be confirmed; lack would require correction but is an easy-to-fix item.",
"Front entry has a functioning lock; deadbolt not visible in photos — if absent it should be added (minor repair).",
"Fireplace is intact but condition, chimney flue and clearances are unverified; may require sweep/certificate prior to regular use.",
"No signs of active roof leaks, major foundation movement, or severe mold were visible in provided photos; such issues are assumed absent unless discovered on-site.",
"Appliances shown (fridge, electric cooktop, oven, washer/dryer) will remain or be provided; missing large appliances would moderately reduce readiness but are not present here."
],
"score_method": "mean_of_criteria",
"overall_score": 75.0,
"rubric_version": "2026-02-24_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4277461381"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.