Property ID: 4314873880
3581 Patterson Rd, Tate Township, OH, 45106
Tate Township, OH
Money Down: $28,800
CoC Return: 3.08%
Monthly Cash Flow: $74
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,000
Closing Costs
$4,800
Total Down
$28,800
Investment Snapshot
Purchase Price
$120,000
Money Down
$28,800
Cash-on-Cash Return
3.08%
Rent
$865
Monthly Cash Flow
$74
Annual Cash Flow
$887
Debt Service / Mo
$639
Property Tax / Mo
$39
Insurance / Mo
$27
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$865
Payment Standard
$1,188
Rent
$865
Insurance
$27
Property Tax
$39
Management
$86
Utilities Allowance
$323
NOI (Monthly)
$713
Debt Service
$639
Cash Flow After Debt
$74
Quality Score: 69.00%
Confidence: 89.00%
This single-wide home appears largely move-in ready with clean interior finishes, functioning kitchen appliances and an intact exterior porch and detached garage. The most significant NSPIRE inspection unknowns are life-safety devices (smoke/CO detectors and GFCI outlets), and confirmation of major mechanicals (furnace, water heater, electrical panel). No visible structural sagging, active leaks, collapsed ceilings, or severe mold were observed. With installation/verification of smoke/CO detectors, GFCI checks and basic cosmetic touch-ups this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
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
$120,000
Beds
2
Baths
1
Living Area
1,120 sqft
Lot Size
23,087 sqft
Year Built
1991
Days on Market
7
Capital Outlay
$28,800
Debt Service
$639
Property Tax / Mo
$39
Insurance / Mo
$27
Property Description
This charming home offers a spacious eat-in kitchen with classic wood cabinetry and a cozy coffee bar perfect for starting your mornings right. Relax on the covered front porch overlooking a large yard with plenty of space to garden, or unwind. A detached garage provides added storage and convenience. Cute, comfortable, and move-in ready.
Utility Allowances
Space Heating
$95
Property details specify 'Heating Features: Electric'. The most expensive electric option from the schedule was selected as the specific type of electric heat (e.g., baseboard, furnace) was not provided.
Cooking
$39
Property details specify 'Electric Cooktop'. The more expensive of the two available electric options from the schedule was selected due to ambiguity.
Hot Water
$39
Property details specify 'Water Heaters: Electric'. The more expensive of the two available electric options from the schedule was selected due to ambiguity.
Other Electric
$45
This is a standard allowance for lights, window AC unit, and other plug-in appliances. The more expensive of the two available electric options from the schedule was selected due to ambiguity.
Water
$42
Selected based on a 2-bedroom single-family home. A public water supply is assumed as a private well was not mentioned in the property details.
Sewage
$42
Selected based on a 2-bedroom single-family home. A public sewer connection is assumed as a septic system was not mentioned in the property details.
Trash
$21
A fixed allowance for trash collection is standard for a single-family home in this jurisdiction.
Refrigerator (Tenant-Owned)
$0
The property includes a refrigerator, so no allowance for a tenant-owned appliance is provided.
Range (Tenant-Owned)
$0
The property includes an oven/range, so no allowance for a tenant-owned appliance is provided.
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$259
DP3 Annual Estimate$381
DP1 Monthly Equivalent$22
DP3 Monthly Equivalent$32
Replacement Value$25,280
Basis1,120 sqft / 1991
Nearby Houses
No nearby houses were returned.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos are representative of the entire property condition (no hidden water damage or structural problems off-camera).
- Kitchen appliances shown (range, microwave, refrigerator) are present and in working condition or serviceable; missing dishwasher not required.
- Heating system is present and functional (floor vents suggest central distribution) though the furnace/boiler is not pictured.
- No smoke detectors or CO alarms were visible in photos; assume they may be missing or not clearly pictured and should be verified/installed to meet NSPIRE.
- Electrical panel and GFCI protection locations were not photographed; assume standard older mobile-home wiring that requires verification but no obvious exposed wiring was observed.
- Roof condition under snow appears flat/intact with no visible sag; assume no active leaks given lack of interior stains.
- Skirting around mobile home is present as shown and foundation/perimeter support is adequate; no major foundation movement visible from photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $457 | $31,600 | $11,070 |
| 2023 | $461 | $31,600 | $11,070 |
| 2022 | $379 | $24,000 | $8,410 |
| 2021 | $383 | $24,000 | $8,410 |
| 2020 | $366 | $24,000 | $8,410 |
| 2019 | $313 | $19,900 | $6,970 |
| 2018 | $321 | $19,900 | $6,970 |
| 2017 | $323 | $19,900 | $6,970 |
| 2016 | $299 | $17,300 | $6,060 |
| 2015 | $248 | $17,300 | $6,060 |
| 2014 | $248 | $17,300 | $6,060 |
| 2013 | $224 | $15,600 | $5,470 |
| 2012 | $224 | $15,600 | $5,470 |
| 2011 | $224 | $15,600 | $5,470 |
| 2010 | $234 | $17,300 | $6,060 |
| 2009 | $231 | $17,300 | $6,060 |
| 2008 | $231 | $17,300 | $6,060 |
| 2007 | $207 | $15,320 | $5,370 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-09 | Listed | $120,000 |
| 2015-07-07 | Listing removed | $37,000 |
| 2015-06-05 | Listed | $41,000 |
Photo Gallery
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"price_change_percentage": null
},
{
"date": "2015-07-07",
"price": 37000,
"listing": {
"status": "off_market",
"list_date": "2015-06-05T07:00:00Z",
"list_price": 37000,
"listing_id": "579067485",
"last_update_date": "2015-07-07T23:39:49Z",
"last_status_change_date": "2015-07-07T23:39:49Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Cincinnati",
"price_change": 0,
"days_after_listed": "32 days",
"source_listing_id": "1453165",
"price_change_percentage": null
},
{
"date": "2015-06-05",
"price": 41000,
"listing": {
"status": "off_market",
"list_date": "2015-06-05T07:00:00Z",
"list_price": 37000,
"listing_id": "579067485",
"last_update_date": "2015-07-07T23:39:49Z",
"last_status_change_date": "2015-07-07T23:39:49Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "Cincinnati",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1453165",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "4314873880",
"generated_at": "2026-02-16T21:53:22.427477Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 69.0
},
"utility_allowance": {
"zip_code": "45106",
"home_photo": "https://ap.rdcpix.com/26c2b6bbe248216f0e149b552b8dbe4dl-b1500827921s-w1280.jpg",
"rent_price": 865.0,
"loan_amount": 96000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3581-Patterson-Rd_Bethel_OH_45106_M43148-73880",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 120000.0,
"loan_term_years": 30,
"annual_cash_flow": 8551.29,
"mortgage_monthly": 638.69,
"payment_standard": 1188.0,
"total_amount_out": 24000.0,
"additional_photos": [
"https://ap.rdcpix.com/26c2b6bbe248216f0e149b552b8dbe4dl-b648037630s-w1280.jpg",
"https://ap.rdcpix.com/26c2b6bbe248216f0e149b552b8dbe4dl-b182822449s-w1280.jpg",
"https://ap.rdcpix.com/26c2b6bbe248216f0e149b552b8dbe4dl-b2869650227s-w1280.jpg",
"https://ap.rdcpix.com/26c2b6bbe248216f0e149b552b8dbe4dl-b2755063569s-w1280.jpg",
"https://ap.rdcpix.com/26c2b6bbe248216f0e149b552b8dbe4dl-b206057228s-w1280.jpg",
"https://ap.rdcpix.com/26c2b6bbe248216f0e149b552b8dbe4dl-b3525531758s-w1280.jpg",
"https://ap.rdcpix.com/26c2b6bbe248216f0e149b552b8dbe4dl-b1139048765s-w1280.jpg",
"https://ap.rdcpix.com/26c2b6bbe248216f0e149b552b8dbe4dl-b815882904s-w1280.jpg",
"https://ap.rdcpix.com/26c2b6bbe248216f0e149b552b8dbe4dl-b840580728s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 26.67,
"monthly_cash_flow": 712.61,
"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": "Property details specify 'Heating Features: Electric'. The most expensive electric option from the schedule was selected as the specific type of electric heat (e.g., baseboard, furnace) was not provided.",
"utility": "Space Heating",
"allowance": 95
},
{
"note": "Property details specify 'Electric Cooktop'. The more expensive of the two available electric options from the schedule was selected due to ambiguity.",
"utility": "Cooking",
"allowance": 39
},
{
"note": "Property details specify 'Water Heaters: Electric'. The more expensive of the two available electric options from the schedule was selected due to ambiguity.",
"utility": "Hot Water",
"allowance": 39
},
{
"note": "This is a standard allowance for lights, window AC unit, and other plug-in appliances. The more expensive of the two available electric options from the schedule was selected due to ambiguity.",
"utility": "Other Electric",
"allowance": 45
},
{
"note": "Selected based on a 2-bedroom single-family home. A public water supply is assumed as a private well was not mentioned in the property details.",
"utility": "Water",
"allowance": 42
},
{
"note": "Selected based on a 2-bedroom single-family home. A public sewer connection is assumed as a septic system was not mentioned in the property details.",
"utility": "Sewage",
"allowance": 42
},
{
"note": "A fixed allowance for trash collection is standard for a single-family home in this jurisdiction.",
"utility": "Trash",
"allowance": 21
},
{
"note": "The property includes a refrigerator, so no allowance for a tenant-owned appliance is provided.",
"utility": "Refrigerator (Tenant-Owned)",
"allowance": 0
},
{
"note": "The property includes an oven/range, so no allowance for a tenant-owned appliance is provided.",
"utility": "Range (Tenant-Owned)",
"allowance": 0
}
],
"cash_on_cash_return": 0.36,
"down_payment_amount": 24000.0,
"property_tax_annual": 470.71,
"property_tax_monthly": 39.23,
"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": 887.01,
"property_management_monthly": 86.5,
"monthly_cash_flow_after_debt": 73.92,
"cash_on_cash_return_after_debt": 0.04
},
"section8_assessment": {
"runs": [
{
"summary": "This single-wide home appears largely move-in ready with clean interior finishes, functioning kitchen appliances and an intact exterior porch and detached garage. The most significant NSPIRE inspection unknowns are life-safety devices (smoke/CO detectors and GFCI outlets), and confirmation of major mechanicals (furnace, water heater, electrical panel). No visible structural sagging, active leaks, collapsed ceilings, or severe mold were observed. With installation/verification of smoke/CO detectors, GFCI checks and basic cosmetic touch-ups this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Interior photos show a clean, lived-in single-wide with intact floors, cabinets, countertops and functioning appliances (stove, microwave, refrigerator present). Cosmetic wear (scuffing on walls, small ceiling dimples / nail pops) is visible but minor. Porch and steps are installed. Missing/minor items (possible trim touch-up, small ceiling repairs, paint) are easy cosmetic fixes; no large areas of damaged drywall, exposed subfloor, or collapsed ceilings seen. Overall move-in ready with minor repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No smoke or carbon monoxide detectors are visible in the photos (required). Entry door and porch have railings but deadbolt presence not confirmed. No obvious exposed wiring or open electrical panels in photos; a fridge cable runs along the wall which should be verified (possible appliance cord routing). Windows appear to provide egress but bedroom windows not shown to confirm egress size. No visible active water intrusion, mold, or ceiling collapse. Because life-safety devices and GFCI locations are not shown, there is moderate NSPIRE risk until detectors and outlet protections are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Floor vents visible indicating a central forced-air or similar heat distribution system, but the actual heating unit, water heater and electrical panel are not shown. Roof is snow-covered with no visible sagging or active leaks in interior photos. Plumbing fixtures appear present and sink/stove are installed. Because major systems are not pictured (furnace, water heater, electrical panel) there is moderate unknown risk; however visible vents, functioning kitchen appliances and absence of water stains suggest systems are likely operational but should be confirmed by inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Exterior photos show intact siding and skirting, a covered front porch with railing, and a detached garage. Lot is large and appears free of significant debris or standing water (snow-covered). Driveway is gravel and shows vehicle tracks; grading appears generally away from structure but exact drainage points not visible. No visible foundation movement or major exterior damage. Detached garage appears weathered but serviceable."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Photos are representative of the entire property condition (no hidden water damage or structural problems off-camera).",
"Kitchen appliances shown (range, microwave, refrigerator) are present and in working condition or serviceable; missing dishwasher not required.",
"Heating system is present and functional (floor vents suggest central distribution) though the furnace/boiler is not pictured.",
"No smoke detectors or CO alarms were visible in photos; assume they may be missing or not clearly pictured and should be verified/installed to meet NSPIRE.",
"Electrical panel and GFCI protection locations were not photographed; assume standard older mobile-home wiring that requires verification but no obvious exposed wiring was observed.",
"Roof condition under snow appears flat/intact with no visible sag; assume no active leaks given lack of interior stains.",
"Skirting around mobile home is present as shown and foundation/perimeter support is adequate; no major foundation movement visible from photos."
],
"overall_score": 70.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears as a well-maintained, move-in-ready single-wide mobile home with mostly cosmetic needs and working kitchen appliances. Major visible safety or structural failures are not apparent in the photos. Primary inspection risks are missing/undocumented life-safety items (smoke/CO detectors, GFCI), the unverified condition of mechanical equipment (furnace, water heater, electrical panel), and site/accessibility issues from an unpaved rutted driveway and an aged detached garage. With verification/installation of detectors, a quick mechanical check and minor exterior repairs/driveway grading, the home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show clean, serviceable finishes: intact wall panels, ceiling panels with no visible large stains or sagging, laminate/wood-look flooring in good condition and a functioning kitchen layout with range, microwave and refrigerator present. Exterior siding/skirting is intact from photos and the porch and railings are present. Observable repair needs are mostly cosmetic and maintenance-level (gravel driveway ruts, paint touch-ups, potential minor porch step work). Missing major interior components (appliances) are not an issue here because a stove and fridge are shown. Overall repair needs are minor and mostly easy-to-fix or cosmetic (capital-only)."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 70.0,
"rationale": "No visible exposed wiring, no collapsed ceilings, no visible mold, and porch has handrails — positive indicators. Floor registers/vents indicate a forced-air system likely present. However critical life-safety items are not visible in the photos: smoke detectors and carbon monoxide alarm(s) are not shown, GFCI protection in kitchen/bathrooms cannot be confirmed, and bedroom egress windows are not pictured. Exterior walkway is gravel and can be a trip/slip hazard in snow. Because hazards that would cause an automatic NSPIRE fail (missing smoke detectors, blocked egress, exposed live wiring, active leaks) are not visibly present, but cannot be confirmed, this is scored as moderate safety risk with likely quick fixes (install/verify detectors, add GFCI) required before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 65.0,
"rationale": "Visible floor vents and a modern electric range suggest functioning electrical and HVAC distribution, but the primary mechanical equipment (furnace, water heater, electrical panel) are not shown. The roof looks intact in exterior photos with no visible sagging or major damage, but the detached garage roof/siding appears aged and may need work. Given the house age (1991 single-wide mobile home) there is moderate risk of aged mechanical equipment; verification of heating operation, hot water, serviceable electrical panel, and proper venting will be required. These are moderate-risk items but no direct evidence of failure is visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.0,
"rationale": "Exterior photos show an intact single-wide mobile home on a large lot with skirting, covered porch and detached garage. The porch has railings; steps appear serviceable. Yard is large but the gravel/unpaved driveway has deep ruts (snow-covered in images) which are a slip/trip and accessibility concern and will require grading/maintenance. The detached garage shows aged siding and a possibly damaged/partial door that likely needs repair. Large trees sit close to the structure (possible future roof/limb risk). No visible standing water or foundation cracking in photos, but ground is snow-covered which hides some details."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior photos are of the actual unit and reflect current condition; no hidden severe water intrusion or mold exists beyond what is pictured.",
"A heating system and water heater exist and are operational (floor vents visible), but equipment was not photographed.",
"An electrical service and panel are present and intact though not shown; no exposed live wiring is visible in photos.",
"Smoke detectors and CO alarms are not visible in photos; assume they may be missing or unconfirmed and should be verified/installed prior to inspection.",
"Bedroom egress windows exist but were not shown; assume typical mobile-home bedroom windows are present but confirm dimensions for code compliance.",
"Detached garage is older and may need door or siding repair; assume it is usable for storage but not guaranteed weather-tight.",
"Driveway is unpaved gravel and will require grading/clearing for safe winter access; snow obscures small-site defects that should be checked when clear."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This single-wide manufactured home appears generally clean and move-in ready with functioning kitchen appliances, intact interior finishes, a covered front porch with railings, and a large yard. Primary inspection risks are missing/uncertain life-safety devices (smoke and CO alarms), unverified GFCI protection in kitchen/bath, and unseen electrical panel, water heater and roof details (roof covered by snow). The detached garage looks aged and may need maintenance. With a short punch-list (install/verify smoke & CO alarms, confirm GFCI/outlets and hot water, inspect electrical panel and garage roof), the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. If any of the unknown major systems (electrical panel, heating, water heater, roof) are defective, repair scope and timeline would increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 72.0,
"rationale": "Interior photos show generally clean, livable finishes: intact wall panels, ceiling panels, laminate/vinyl floors and functioning kitchen cabinets. Stove, refrigerator and microwave are present which reduces capital needs. Cosmetic wear (scuffing on walls, visible fastener bumps in ceiling panels) and likely need for touch-up paint and minor repairs are apparent. No obvious collapsed ceilings, major drywall damage, or exposed subfloor seen. Missing bathroom photo prevents verification of tub/shower finishes but listing indicates 1 bath. Overall minor-to-moderate cosmetic work expected."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the interior photos (common NSPIRE failure point). Entry door appears serviceable but a keyed deadbolt is not clearly visible. No exposed wiring or obvious electrical hazards are visible; ceiling fixtures and a ceiling fan are installed. GFCI outlets in the kitchen/bath are not visible in photos and cannot be confirmed. Bedroom egress cannot be confirmed because bedrooms are not shown. No visible active water intrusion, mold or collapsed ceilings. Because life-safety devices (smoke/CO) are not shown and GFCI/egress are unknown, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Floor registers are visible indicating a forced-air or central HVAC distribution (positive). Electrical panel and water heater are not shown so their condition is unknown. Appliances appear functional (stove and fridge). Roof is snow-covered in exterior photos but the roofline of the mobile home appears even with no visible sag; detached garage roof looks older and may need attention. Plumbing fixtures in kitchen appear intact but hot water availability is unconfirmed. Given visible vents and working kitchen, systems likely functional but unverified components create moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and safety",
"score": 70.0,
"rationale": "Exterior photos show intact vinyl siding/skirting, a covered front porch with handrail, and a large level yard. Driveway is unpaved/gravel and the path to the porch is gravel — acceptable but may require maintenance for tenant safety in winter. Detached garage appears aged (paint/weathering) and may need roof or siding maintenance. No visible foundation movement, major siding failure, standing water, or collapsed structures in the provided images. Snow limits some observations (gutter condition, roof shingles, walk surface)."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE life-safety requirement).",
"GFCI protection in kitchen/bath outlets not visible or verified — potential NSPIRE / electrical failure risk.",
"Electrical panel, water heater and heating appliance were not photographed — unknown condition of critical systems could cause inspection failure if defective.",
"Detached garage shows aged siding/roofing and may require repair (potential site safety/roof issue).",
"No confirmation of compliant bedroom egress windows (bedrooms not shown)."
],
"confidence": 0.6,
"assumptions": [
"Photos represent current condition; snow limits exterior roof/gutter/walkway inspection.",
"Heating/air distribution exists (floor registers visible) and is functional, though furnace location and condition are not shown.",
"Water heater and electrical panel exist on-site but were not photographed; their condition is unknown.",
"Bedrooms and the bathroom(s) are standard and contain required egress, but egress windows and bathroom condition were not shown and therefore could not be verified.",
"No recent rental events in last 5 years (rental_history_last_5y.status = missing) so rental history excluded from score calculation.",
"Detached garage is assumed not to be used for primary living space and may need routine maintenance based on aged appearance."
],
"overall_score": 66.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3581 Patterson Rd, Tate Township, OH, 45106",
"aggregate": {
"summary": "This single-wide home appears largely move-in ready with clean interior finishes, functioning kitchen appliances and an intact exterior porch and detached garage. The most significant NSPIRE inspection unknowns are life-safety devices (smoke/CO detectors and GFCI outlets), and confirmation of major mechanicals (furnace, water heater, electrical panel). No visible structural sagging, active leaks, collapsed ceilings, or severe mold were observed. With installation/verification of smoke/CO detectors, GFCI checks and basic cosmetic touch-ups this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 76.7,
"rationale": "Interior photos show a clean, lived-in single-wide with intact floors, cabinets, countertops and functioning appliances (stove, microwave, refrigerator present). Cosmetic wear (scuffing on walls, small ceiling dimples / nail pops) is visible but minor. Porch and steps are installed. Missing/minor items (possible trim touch-up, small ceiling repairs, paint) are easy cosmetic fixes; no large areas of damaged drywall, exposed subfloor, or collapsed ceilings seen. Overall move-in ready with minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 71.0,
"rationale": "Exterior photos show intact siding and skirting, a covered front porch with railing, and a detached garage. Lot is large and appears free of significant debris or standing water (snow-covered). Driveway is gravel and shows vehicle tracks; grading appears generally away from structure but exact drainage points not visible. No visible foundation movement or major exterior damage. Detached garage appears weathered but serviceable."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 63.3,
"rationale": "No smoke or carbon monoxide detectors are visible in the photos (required). Entry door and porch have railings but deadbolt presence not confirmed. No obvious exposed wiring or open electrical panels in photos; a fridge cable runs along the wall which should be verified (possible appliance cord routing). Windows appear to provide egress but bedroom windows not shown to confirm egress size. No visible active water intrusion, mold, or ceiling collapse. Because life-safety devices and GFCI locations are not shown, there is moderate NSPIRE risk until detectors and outlet protections are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 63.3,
"rationale": "Floor vents visible indicating a central forced-air or similar heat distribution system, but the actual heating unit, water heater and electrical panel are not shown. Roof is snow-covered with no visible sagging or active leaks in interior photos. Plumbing fixtures appear present and sink/stove are installed. Because major systems are not pictured (furnace, water heater, electrical panel) there is moderate unknown risk; however visible vents, functioning kitchen appliances and absence of water stains suggest systems are likely operational but should be confirmed by inspection."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Photos are representative of the entire property condition (no hidden water damage or structural problems off-camera).",
"Kitchen appliances shown (range, microwave, refrigerator) are present and in working condition or serviceable; missing dishwasher not required.",
"Heating system is present and functional (floor vents suggest central distribution) though the furnace/boiler is not pictured.",
"No smoke detectors or CO alarms were visible in photos; assume they may be missing or not clearly pictured and should be verified/installed to meet NSPIRE.",
"Electrical panel and GFCI protection locations were not photographed; assume standard older mobile-home wiring that requires verification but no obvious exposed wiring was observed.",
"Roof condition under snow appears flat/intact with no visible sag; assume no active leaks given lack of interior stains.",
"Skirting around mobile home is present as shown and foundation/perimeter support is adequate; no major foundation movement visible from photos."
],
"score_method": "mean_of_criteria",
"overall_score": 69.0,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4314873880"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.