912 Parkside Pl, Findlay, OH, 45840
Findlay, OH
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 73.10%
Confidence: 90.00%
Overall this 4-bed ranch appears in generally good cosmetic condition and would likely pass a Housing Choice Voucher (NSPIRE) initial inspection after a short turn-over scope: verify/install required detectors (smoke in each sleeping area and CO where required), confirm GFCI protection in kitchen/bath, confirm functioning heating system and hot water, and address roof moss/age (clean/inspect shingles). Missing kitchen appliances were not shown; supplying or confirming installed stove/refrigerator will be needed but is an easy capital fix. No immediate major structural or life-safety failures are visible from provided photos, but mechanical system verification and roof evaluation are recommended before listing as Section 8-ready.
Property Fundamentals
Property Description
Welcome home to this very cute and beautifully updated ranch offering 1,656 square feet of comfortable living space! This charming home features 4 spacious bedrooms and 1.5 baths, providing plenty of room for family, guests, or a home office. Enjoy the flexibility of two separate living areas-perfect for entertaining, relaxing, or creating a playroom or media space. The good-sized kitchen offers ample cabinet and counter space, making meal prep and gatherings a breeze. With tasteful updates throughout and a functional layout, this home is move-in ready and ideal for everyday living. Don't miss your chance to make this inviting ranch your own!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
View QuoteNearby Houses
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Properties Used for Comps
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Bedrooms have standard egress windows typical for a ranch layout (not all bedroom windows were shown).
- Primary heating system, water heater and electrical panel exist in the property though they are not visible in photos; their operational condition is unknown.
- Kitchen appliances (stove/refrigerator) are not visible in the provided photos; if not present they would be considered capital items to supply rather than immediate safety failures.
- Smoke detector visible in entry implies owner has installed detectors; additional detectors (in bedrooms/hallways) may still be required to meet NSPIRE/ local code.
- No evidence of active interior leaks, severe mold, foundation movement, or collapsed ceilings based on pictured rooms; absence of pictures of basement/attic means hidden issues cannot be ruled out.
- Moss/biological growth on roof suggests aged shingles and potential reduced remaining useful life but not necessarily active leakage.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,153 | $200,520 | $70,180 |
| 2023 | $1,823 | $146,150 | $51,150 |
| 2022 | $1,813 | $146,150 | $51,150 |
| 2021 | $1,689 | $118,600 | $41,511 |
| 2020 | $1,689 | $118,600 | $41,511 |
| 2018 | $1,457 | $95,800 | $33,530 |
| 2017 | $1,457 | $95,800 | $33,530 |
| 2016 | $1,483 | $95,800 | $33,530 |
| 2015 | $1,324 | $84,140 | $29,449 |
| 2014 | $1,324 | $84,140 | $29,449 |
| 2013 | $1,324 | $84,140 | $29,449 |
| 2012 | $1,443 | $93,740 | $32,810 |
| 2011 | $1,442 | $93,740 | $32,810 |
| 2010 | $1,442 | $93,740 | $32,810 |
| 2009 | $1,510 | $103,870 | $36,350 |
| 2008 | $1,370 | $103,870 | $36,350 |
| 2007 | $1,365 | $103,870 | $36,350 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2017-04-21 | Sold | $104,000 |
| 2013-04-30 | Sold | $91,000 |
| 2003-08-22 | Sold | $100,000 |
| 2001-03-26 | Sold | $81,000 |
| 1999-01-22 | Sold | $64,900 |
Photo Gallery
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"event_name": "Listed",
"price_sqft": 63.94927536231884,
"source_name": "Findlay",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "122865",
"price_change_percentage": "+5.90%"
},
{
"date": "2003-08-22",
"price": 100000,
"listing": null,
"event_name": "Sold",
"price_sqft": 60.38647342995169,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2001-03-26",
"price": 81000,
"listing": null,
"event_name": "Sold",
"price_sqft": 48.91304347826087,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1999-01-22",
"price": 64900,
"listing": null,
"event_name": "Sold",
"price_sqft": 39.190821256038646,
"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": "4323249791",
"generated_at": "2026-02-24T23:17:10.076942Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 73.1
},
"utility_allowance": {
"zip_code": "45840",
"home_photo": "https://ap.rdcpix.com/f68248af8a0c5c116a8194ca02880b64l-m3868903521s-w1280.jpg",
"rent_price": 1378.0,
"loan_amount": 140000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/912-Parkside-Pl_Findlay_OH_45840_M43232-49791",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 175000.0,
"loan_term_years": 30,
"annual_cash_flow": 11958.31,
"mortgage_monthly": 931.42,
"payment_standard": 1693.0,
"total_amount_out": 35000.0,
"additional_photos": [
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"https://ap.rdcpix.com/f68248af8a0c5c116a8194ca02880b64l-m3768477528s-w1280.jpg",
"https://ap.rdcpix.com/f68248af8a0c5c116a8194ca02880b64l-m2363793574s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 58.88,
"monthly_cash_flow": 996.53,
"property_tax_rate": 0.0103,
"_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": "Property has 'Forced Air' heating. Natural Gas was selected as it is the most common and cost-effective fuel source for this system in the region; the specific fuel was not listed.",
"utility": "heating",
"allowance": 95
},
{
"note": "Property info explicitly states 'Electric Cooktop', so the electric option was selected.",
"utility": "cooking",
"allowance": 17
},
{
"note": "Water heater fuel type was not specified. Natural Gas was chosen for consistency with the assumed heating fuel.",
"utility": "water_heating",
"allowance": 42
},
{
"note": "Property info specifies 'Public' water source.",
"utility": "water",
"allowance": 40
},
{
"note": "Property info specifies 'Public Sewer'.",
"utility": "sewer",
"allowance": 46
},
{
"note": "A standard allowance for general electricity use (lights, outlets) not covered by other specific utilities.",
"utility": "other_electric",
"allowance": 50
},
{
"note": "Trash collection is a standard utility for single-family homes and is assumed to be the tenant's responsibility.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Property has 'Central Air', but the utility schedule does not provide an allowance amount for this utility.",
"utility": "air_conditioning",
"allowance": 0
},
{
"note": "The property includes a refrigerator, so there is no allowance for a tenant-provided appliance.",
"utility": "refrigerator",
"allowance": 0
},
{
"note": "The property includes an 'Electric Cooktop', so there is no allowance for a tenant-provided range/oven.",
"utility": "range",
"allowance": 0
}
],
"cash_on_cash_return": 0.34,
"down_payment_amount": 35000.0,
"property_tax_annual": 2217.59,
"property_tax_monthly": 184.8,
"property_tax_increase": 0.03,
"utility_allowance_total": 315.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hancockmetro.com",
"https://hancockmetro.com/wp-content/uploads/2025/10/2026-Payment-Standards.pdf"
],
"effective_date": "2025-12-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 781.23,
"property_management_monthly": 137.8,
"monthly_cash_flow_after_debt": 65.1,
"cash_on_cash_return_after_debt": 0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 4-bed ranch appears in generally good cosmetic condition and would likely pass a Housing Choice Voucher (NSPIRE) initial inspection after a short turn-over scope: verify/install required detectors (smoke in each sleeping area and CO where required), confirm GFCI protection in kitchen/bath, confirm functioning heating system and hot water, and address roof moss/age (clean/inspect shingles). Missing kitchen appliances were not shown; supplying or confirming installed stove/refrigerator will be needed but is an easy capital fix. No immediate major structural or life-safety failures are visible from provided photos, but mechanical system verification and roof evaluation are recommended before listing as Section 8-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show a generally well-maintained ranch with updated finishes, clean carpet, painted walls, and no obvious major cosmetic defects. Minor issues observed: front stoop/threshold shows wear, driveway has surface cracking, some cluttered rooms that will need cleaning/tenant-turn prep. No clear evidence of collapsed ceilings, extensive drywall damage, or exposed subfloor. Listing does not show kitchen appliances; missing stove/fridge would be an easy-to-fix capital item and reduces score moderately but not severely. Overall mostly cosmetic/turnover work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "A smoke detector is visible in the entry area which is positive. Entry door has a keypad lock (likely a deadbolt) providing secure egress control. No exposed electrical wiring or obvious trip hazards in photos. No visible severe water intrusion, mold, or peeling lead-risk paint. Unknown or not visible from photos: CO detectors (required if fuel-burning appliances present), GFCI protection in kitchen and baths, electrical panel condition, and smoke detectors in each sleeping area. Bedroom egress windows are not individually shown for all bedrooms but the home appears to be standard ranch layout where egress is likely. Because several required items cannot be confirmed from photos, a few inspection-related items will likely need verification/installation (CO alarm, GFCI) but no immediate life-threatening hazards were observed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "Photos do not show furnace, water heater, electrical panel, or visible evidence of HVAC central unit; a window AC is present in one room. Roof appears intact but shows moss/biological growth on portions which suggests aging shingles and possible reduced lifespan — this is a systems concern that should be evaluated. No visible roof sagging or active leaks in interior photos. Plumbing fixtures and hot water availability cannot be confirmed from images. Given missing visual confirmation of primary mechanical equipment and moss on the roof, score is moderate to reflect potential need for system verification or near-term service."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Brick exterior and siding appear in good condition with no visible major foundation displacement or large cracks. Gutters are present. Large tree close to the house may pose long-term root or branch risk but currently appears stable. Driveway has surface cracking and there is moss on the roof which indicates roof aging and possible moisture retention. Yard and walks are generally safe; front step has only one or two low steps so handrail not required. No visible standing water or significant site drainage issues in photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Bedrooms have standard egress windows typical for a ranch layout (not all bedroom windows were shown).",
"Primary heating system, water heater and electrical panel exist in the property though they are not visible in photos; their operational condition is unknown.",
"Kitchen appliances (stove/refrigerator) are not visible in the provided photos; if not present they would be considered capital items to supply rather than immediate safety failures.",
"Smoke detector visible in entry implies owner has installed detectors; additional detectors (in bedrooms/hallways) may still be required to meet NSPIRE/ local code.",
"No evidence of active interior leaks, severe mold, foundation movement, or collapsed ceilings based on pictured rooms; absence of pictures of basement/attic means hidden issues cannot be ruled out.",
"Moss/biological growth on roof suggests aged shingles and potential reduced remaining useful life but not necessarily active leakage."
],
"overall_score": 73.0,
"rubric_version": "2026-02-24_ns_preset_v1"
},
{
"summary": "Overall the property appears in good, mostly updated condition and would likely pass an initial HCV/NSPIRE inspection with only minor repairs or documentation tasks required. Primary strengths are intact exterior brick, updated interior finishes, functioning smoke detectors visible, and secure entry. Main inspection unknowns are mechanical/equipment documentation (electrical panel, water heater, furnace), GFCI protection in kitchen/baths, presence of a carbon monoxide alarm (if required), and confirmation of bedroom egress sizes. The roof shows algae/moss buildup consistent with aging shingles and should be cleaned/inspected; otherwise there are no visible life-safety or structural failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show generally clean, updated finishes (paint, trim, flooring, ceiling fans) and no visible major interior damage. Clutter is present but cosmetic. Exterior brick and windows appear intact. Visible issues: moss/algae staining on a portion of the roof, minor cracking/wear in the driveway, and small concrete front stoop with slight edge wear — all cosmetic/maintenance items. No appliances or kitchen fit-out are pictured; absence of visible stove/fridge lowers score moderately by inspection-risk standards but this is not catastrophic."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 80.0,
"rationale": "Smoke detector(s) visible inside above the entry and in living areas. Entry door has a keypad/smart lock providing secure locking. No exposed wiring or obvious electrical hazards visible in photos. Windows appear intact and there are large windows providing egress in main living areas; bedroom egress cannot be fully confirmed from photos. No visible active leaks, sagging ceilings, or severe mold. Unknowns that reduce score slightly: no visible carbon monoxide detector, GFCI outlets in kitchen/baths not shown, and bathrooms themselves are not pictured to confirm fixtures, ventilation, or hot-water availability."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Major systems are not directly photographed (no electrical panel, water heater, or furnace are shown). Window AC units and what appears to be baseboard heating elements are visible, indicating there is cooling/heating capability though central forced-air equipment is not confirmed. Roof appears aged and shows moss/algae staining on one side — suggestive of age and possible need for cleaning or near-term shingle replacement but no visible sagging or active leaks. Plumbing fixtures and hot water presence are assumed based on updated interior but not confirmed. Because systems are not documented in images, score reflects limited risk due to unknowns plus the roof staining observation."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Brick exterior and siding look intact with no obvious foundation movement, large cracks, or rot visible. Driveway and walkways are serviceable (some cracking and wear). Yard and plantings are slightly unkempt but not hazardous; chain link fencing visible in back. Gutters and downspouts appear present. No standing water, major drainage issues, or infestation evidence in photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Kitchen appliances (stove, refrigerator) are not visible in the provided photos; assumed present or replaceable as needed — absence reduces score moderately but not catastrophically.",
"Major systems (electrical panel, furnace/central HVAC, water heater) are not photographed; assumed functional based on updated interior but their age/condition is unknown.",
"Bedrooms provide required egress windows per code or can be remedied; photos do not directly confirm bedroom egress dimensions.",
"No evidence of active roof leaks or interior water stains in photos; algae on roof is assumed to be cosmetic/age-related rather than indicative of immediate structural failure.",
"GFCI outlets in kitchen/bath, and carbon monoxide detectors (if required) were not shown; failure to have these could require corrective work prior to inspection.",
"Listing description stating 'beautifully updated' is taken at face value to support the inference of recent cosmetic and some system updates."
],
"overall_score": 76.0,
"rubric_version": "1.0"
},
{
"summary": "This 4-bed ranch appears mostly move-in ready with cosmetic updates and generally sound structure. Visible issues are mostly maintenance/cosmetic (roof algae, driveway cracks, minor carpet wear) and several important systems and code items are not visible in photos (furnace/water heater, electrical panel, GFCI outlets, CO detector, bedroom egress confirmation). With straightforward maintenance (roof cleaning, tree trimming, minor cosmetic repairs) and verification/possible remediation of mechanicals and required detectors, the property is likely to pass an initial Section 8/NSPIRE inspection within 1–4 weeks. Recommended pre-inspection checklist: confirm presence/function of heating and hot water, locate/confirm electrical panel condition, install/verify CO detector(s) and GFCI protection, and address roof/tree maintenance.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show a largely updated, clean ranch with cosmetic finishes in good condition (fresh paint, trim, updated fixtures). Carpeted areas show light wear/stains and some cluttered rooms staged as play areas. Driveway has hairline cracks and front concrete step shows surface wear but no structural damage. Roof shows surface moss/algae accumulation (left roof plane) that suggests deferred roof cleaning and moderate aging but no visible sagging or active collapse. No major structural cracks or collapsed ceilings observed. Listing mentions an updated kitchen; no interior kitchen appliance photos provided — assumed present. Overall issues are mostly cosmetic or maintenance (roof cleaning, driveway sealing, carpet cleaning/replacement) rather than major repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "Positive indicators: visible smoke detector near entry, secure front door with electronic lock/deadbolt, windows present in living spaces. No visible exposed electrical wiring in living areas; outlets and switches appear intact. Concerns: carbon monoxide detector not visible in photos (required where fuel-burning appliances or attached garage exist), GFCI outlets in kitchen/bath not verifiable from photos, electrical panel location/condition not shown. Large tree with overhanging branches near roof increases risk of storm damage. Front entry has a single low step (no guardrail required typically) but no handrail present for higher stairs (not applicable here). No visible mold, standing water, collapsed ceilings, or major trip hazards in photos. Because CO, GFCI, panel and bedroom egress cannot be confirmed, there is moderate NSPIRE risk that requires verification/fix but no immediate life-threatening hazards visible."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, roof, electrical)",
"score": 65.0,
"rationale": "Roof shows moss/algae accumulation and will likely need cleaning and focused inspection for shingle wear; however no active leaks or sagging ceilings are visible in interior photos. HVAC equipment (furnace/central AC) and water heater are not shown; a window AC is visible in one bedroom and ceiling fans are present, but absence of visible central heating/heat source in photos introduces uncertainty about heating condition. Electrical appears functional in photographed rooms (powered TV, lights, smart lock) but main panel not shown and GFCI protection not confirmed. Plumbing fixtures and hot water presence not visible. Given lack of direct evidence for major system failures but several unknowns, score reflects moderate systems risk and the need to verify furnace, water heater, and electrical panel prior to NSPIRE inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 72.0,
"rationale": "Brick exterior and siding appear intact with no visible foundation cracks. Gutters look in place; asphalt driveway is serviceable though showing hairline cracks and moderate aging. Landscaping is tidy but planting beds abut the foundation (could trap moisture) and a large deciduous tree sits very close to the house with branches overhanging the roof — a maintenance and potential roof damage risk. Yard, walkways and entry path appear safe and without trip hazards in photos. Overall exterior is serviceable but needs routine maintenance (roof cleaning, tree trimming, driveway sealing)."
}
],
"red_flags": [
"Moss/algae accumulation on roof on left roof plane — indicates deferred maintenance and potential accelerated shingle deterioration",
"Large tree with overhanging branches close to roof — increased risk of roof damage during storms",
"No visible furnace or central HVAC in photos — heating system must be verified prior to tenancy",
"No carbon monoxide detector visible in photos — CO detector(s) required where fuel-burning appliances or attached garage are present",
"GFCI protection in kitchen/bathrooms not verifiable from photos and should be confirmed"
],
"confidence": 0.6,
"assumptions": [
"Kitchen appliances (stove, refrigerator) are present and functional based on listing statement 'updated kitchen' though not shown in photos.",
"A primary heating system (furnace) and domestic hot water heater exist on-site but were not photographed; assessment assumes operational but must be verified.",
"Bedrooms have code-compliant egress windows as commonly found in ranch homes of this era; egress not directly visible in photos and should be confirmed.",
"Electrical panel, circuit labeling and required GFCI protection exist but were not pictured; absence of visible exposed wiring suggests basic electrical integrity.",
"No history of recent major water intrusion or mold beyond normal humidity stains — interior photos do not show visible mold or staining but concealed issues cannot be ruled out."
],
"overall_score": 71.0,
"rubric_version": "2026-02-24_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "912 Parkside Pl, Findlay, OH, 45840",
"aggregate": {
"summary": "Overall this 4-bed ranch appears in generally good cosmetic condition and would likely pass a Housing Choice Voucher (NSPIRE) initial inspection after a short turn-over scope: verify/install required detectors (smoke in each sleeping area and CO where required), confirm GFCI protection in kitchen/bath, confirm functioning heating system and hot water, and address roof moss/age (clean/inspect shingles). Missing kitchen appliances were not shown; supplying or confirming installed stove/refrigerator will be needed but is an easy capital fix. No immediate major structural or life-safety failures are visible from provided photos, but mechanical system verification and roof evaluation are recommended before listing as Section 8-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 76.0,
"rationale": "Interior and exterior photos show a generally well-maintained ranch with updated finishes, clean carpet, painted walls, and no obvious major cosmetic defects. Minor issues observed: front stoop/threshold shows wear, driveway has surface cracking, some cluttered rooms that will need cleaning/tenant-turn prep. No clear evidence of collapsed ceilings, extensive drywall damage, or exposed subfloor. Listing does not show kitchen appliances; missing stove/fridge would be an easy-to-fix capital item and reduces score moderately but not severely. Overall mostly cosmetic/turnover work."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 74.0,
"rationale": "Brick exterior and siding appear in good condition with no visible major foundation displacement or large cracks. Gutters are present. Large tree close to the house may pose long-term root or branch risk but currently appears stable. Driveway has surface cracking and there is moss on the roof which indicates roof aging and possible moisture retention. Yard and walks are generally safe; front step has only one or two low steps so handrail not required. No visible standing water or significant site drainage issues in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "A smoke detector is visible in the entry area which is positive. Entry door has a keypad lock (likely a deadbolt) providing secure egress control. No exposed electrical wiring or obvious trip hazards in photos. No visible severe water intrusion, mold, or peeling lead-risk paint. Unknown or not visible from photos: CO detectors (required if fuel-burning appliances present), GFCI protection in kitchen and baths, electrical panel condition, and smoke detectors in each sleeping area. Bedroom egress windows are not individually shown for all bedrooms but the home appears to be standard ranch layout where egress is likely. Because several required items cannot be confirmed from photos, a few inspection-related items will likely need verification/installation (CO alarm, GFCI) but no immediate life-threatening hazards were observed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 66.7,
"rationale": "Photos do not show furnace, water heater, electrical panel, or visible evidence of HVAC central unit; a window AC is present in one room. Roof appears intact but shows moss/biological growth on portions which suggests aging shingles and possible reduced lifespan — this is a systems concern that should be evaluated. No visible roof sagging or active leaks in interior photos. Plumbing fixtures and hot water availability cannot be confirmed from images. Given missing visual confirmation of primary mechanical equipment and moss on the roof, score is moderate to reflect potential need for system verification or near-term service."
}
],
"red_flags": [],
"confidence": 0.9,
"assumptions": [
"Bedrooms have standard egress windows typical for a ranch layout (not all bedroom windows were shown).",
"Primary heating system, water heater and electrical panel exist in the property though they are not visible in photos; their operational condition is unknown.",
"Kitchen appliances (stove/refrigerator) are not visible in the provided photos; if not present they would be considered capital items to supply rather than immediate safety failures.",
"Smoke detector visible in entry implies owner has installed detectors; additional detectors (in bedrooms/hallways) may still be required to meet NSPIRE/ local code.",
"No evidence of active interior leaks, severe mold, foundation movement, or collapsed ceilings based on pictured rooms; absence of pictures of basement/attic means hidden issues cannot be ruled out.",
"Moss/biological growth on roof suggests aged shingles and potential reduced remaining useful life but not necessarily active leakage."
],
"score_method": "mean_of_criteria",
"overall_score": 73.1,
"rubric_version": "2026-02-24_ns_preset_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4323249791"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.