Property ID: 4380862938
206 Midland Ave, Findlay, OH, 45840
Findlay, OH
Money Down: $29,976
CoC Return: 11.46%
Monthly Cash Flow: $286
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,980
Closing Costs
$4,996
Total Down
$29,976
Investment Snapshot
Purchase Price
$124,900
Money Down
$29,976
Cash-on-Cash Return
11.46%
Rent
$1,216
Monthly Cash Flow
$286
Annual Cash Flow
$3,435
Debt Service / Mo
$665
Property Tax / Mo
$101
Insurance / Mo
$42
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,216
Payment Standard
$1,484
Rent
$1,216
Insurance
$42
Property Tax
$101
Management
$122
Utilities Allowance
$268
NOI (Monthly)
$951
Debt Service
$665
Cash Flow After Debt
$286
Quality Score: 63.30%
Confidence: 95.00%
Moderate inspection risk but generally rentable with targeted fixes. The property appears structurally intact and was recently used as a rental, with a functioning kitchen and usable exterior yard/shed. Primary concerns for a Section 8 / HCV initial NSPIRE inspection are missing/undeclared life-safety items (no visible smoke detectors, unclear GFCI outlets, potential electrical hazards from temporary cords), a kitchen ceiling stain that could indicate active leak, and a worn front porch railing. After addressing smoke/CO detectors, confirming GFCI, repairing any active leak, securing the porch railing, and making a few cosmetic repairs (flooring, trim, ceiling tiles), this property would likely pass an initial inspection within 2–6 weeks.
Section 8 Payment Standard
$1,484
Utility Allowance Total
$268
Guaranteed Section 8 Rent (PS - Utilities)
$1,216
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$124,900
Beds
3
Baths
1
Living Area
1,192 sqft
Lot Size
6,534 sqft
Year Built
1900
Days on Market
153
Capital Outlay
$29,976
Debt Service
$665
Property Tax / Mo
$101
Insurance / Mo
$42
Property Description
Home has been used as a rental. Nice backyard. 2 bedrooms on the main floor. Larger bedroom upstairs. Close to college and schools. Needs some TLC. Be "in" in time for the holidays! Room sizes approximate.
Utility Allowances
Heating
$75
Property details explicitly state central heating and a natural gas connection.
Cooking
$12
Property has a natural gas connection, making it the most likely fuel source for cooking.
Water Heating
$33
Property has a natural gas connection, which is the most common and cost-effective fuel for water heating.
Water
$32
Property details explicitly state connection to a public water source.
Sewer
$36
Property details explicitly state connection to public sewer.
Other Electric
$39
The property is connected to electricity. This covers general electrical use for lights, outlets, and tenant-provided appliances like window AC units.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so this allowance is for a tenant-owned unit.
Range
$8
Standard allowance for a tenant-owned range/oven, as one is not explicitly provided by the landlord. This amount likely covers the electrical components.
Trash Collection
$25
Standard municipal service for a single-family residence, assumed to be the tenant's responsibility.
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$492
DP3 Annual Estimate$514
DP1 Monthly Equivalent$41
DP3 Monthly Equivalent$43
Replacement Value$83,800
Basis1,192 sqft / 1900
Nearby Houses
Photo unavailable
210 Midland Ave
sold · 0.01 mi
Price: $105,000
3 bd / 1 ba · 1,675 sqft
Latest sale: $105,000 on Jan 26, 2024
Latest rent: —
Photo unavailable
203 Allen Ave
sold · 0.03 mi
Price: $149,000
3 bd / 2 ba · 2,191 sqft
Latest sale: $149,000 on Aug 28, 2020
Latest rent: —
Photo unavailable
219 Allen Ave
sold · 0.04 mi
Price: $62,500
4 bd / 2 ba · 1,850 sqft
Latest sale: $62,500 on Nov 30, 2023
Latest rent: —
Photo unavailable
230 Midland Ave
sold · 0.06 mi
Price: $115,000
3 bd / 2 ba · 1,535 sqft
Latest sale: $115,000 on Dec 15, 2025
Latest rent: —
Photo unavailable
227 Midland Ave
sold · 0.06 mi
Price: $55,000
3 bd / 2 ba · 1,596 sqft
Latest sale: $55,000 on Jun 27, 2016
Latest rent: $1,650 on Jan 22, 2024
Photo unavailable
202 Garfield Ave
sold · 0.06 mi
Price: $132,000
— bd / — ba · 1,536 sqft
Latest sale: $132,000 on May 22, 2020
Latest rent: $675 on Dec 09, 2019
Photo unavailable
206 Allen Ave
sold · 0.07 mi
Price: $125,500
3 bd / 1 ba · 1,461 sqft
Latest sale: $125,500 on May 26, 2021
Latest rent: —
Photo unavailable
212 Allen Ave
sold · 0.07 mi
Price: $70,000
2 bd / 1 ba · 939 sqft
Latest sale: $70,000 on Sep 02, 2022
Latest rent: —
Photo unavailable
231 Midland Ave
sold · 0.07 mi
Price: $75,000
— bd / — ba
Latest sale: $75,000 on Mar 01, 2005
Latest rent: —
Photo unavailable
142 Allen Ave
sold · 0.08 mi
Price: $107,000
2 bd / 2 ba · 1,132 sqft
Latest sale: $107,000 on Jan 02, 2020
Latest rent: —
Photo unavailable
226 Garfield Ave
sold · 0.08 mi
Price: $119,500
3 bd / 2 ba · 1,388 sqft
Latest sale: $119,500 on Oct 14, 2020
Latest rent: —
Photo unavailable
234 Garfield Ave
sold · 0.09 mi
Price: $58,175
2 bd / 2 ba · 1,390 sqft
Latest sale: $58,175 on Jan 29, 2020
Latest rent: —
Photo unavailable
211 Garfield Ave
sold · 0.09 mi
Price: $165,000
4 bd / 2 ba · 1,920 sqft
Latest sale: $165,000 on Oct 02, 2025
Latest rent: —
Photo unavailable
219 Garfield Ave
sold · 0.10 mi
Price: $140,000
3 bd / 2 ba · 1,144 sqft
Latest sale: $140,000 on May 11, 2022
Latest rent: $2,000 on Jun 23, 2022
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or CO detector (life-safety requirement)
- Possible active or recent ceiling leak (stain in kitchen) - potential water intrusion
- Electrical hazard: temporary/exposed cords visible in living area and unclear GFCI protection in kitchen/bath
- Front porch railing and small steps appear deteriorated/possibly loose
Assumptions
- No smoke detectors or carbon monoxide detectors were visible in provided photos; assume none are installed or they are not clearly located.
- Electrical panel, water heater, and primary heating equipment were not photographed; assume they exist but condition is unverified.
- Kitchen appliances include an electric range and microwave as shown; refrigerator presence is not shown but missing appliances reduce condition score moderately.
- The ceiling stain in the kitchen image indicates at least past water intrusion; assume potential for leak that requires verification.
- Second-floor bedroom egress windows likely exist (tall windows visible) but exact compliance dimensions are not verified from photos.
- Front porch railing is weathered and may be loose — assumed to need repair rather than full replacement.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,182 | $95,150 | $33,300 |
| 2023 | $1,188 | $95,150 | $33,300 |
| 2022 | $1,180 | $95,150 | $33,300 |
| 2021 | $1,094 | $76,860 | $26,902 |
| 2020 | $1,094 | $76,860 | $26,902 |
| 2018 | $953 | $62,730 | $21,956 |
| 2017 | $980 | $62,730 | $21,956 |
| 2016 | $977 | $62,730 | $21,956 |
| 2015 | $805 | $51,130 | $17,896 |
| 2014 | $805 | $51,130 | $17,896 |
| 2013 | $782 | $51,130 | $17,896 |
| 2012 | $787 | $51,130 | $17,900 |
| 2011 | $786 | $51,130 | $17,900 |
| 2010 | $787 | $51,130 | $17,900 |
| 2009 | $800 | $54,990 | $19,250 |
| 2008 | $725 | $54,990 | $19,250 |
| 2007 | $723 | $54,990 | $19,250 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-08-03 | Sold | $52,000 |
| 2014-07-15 | Sold | $21,000 |
| 2014-04-29 | Sold | $27,000 |
| 2004-10-04 | Sold | $69,200 |
| 1997-11-18 | Sold | $40,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2022-12-02 | Listed for rent | $1,200 | — |
| 2021-08-02 | Listed for rent | $1,200 | — |
Photo Gallery
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"last_status_change_date": "2018-11-12T01:57:16Z"
},
"event_name": "Listed",
"price_sqft": 58.64093959731544,
"source_name": "Findlay",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "136872",
"price_change_percentage": "+232.86%"
},
{
"date": "2014-07-08",
"price": 21000,
"listing": {
"status": "sold",
"list_date": "2025-09-18T06:24:45Z",
"list_price": 24900,
"listing_id": "567761641",
"last_update_date": "2024-08-28T05:55:27Z",
"last_status_change_date": "2025-09-18T06:24:45Z"
},
"event_name": "Sold",
"price_sqft": 17.61744966442953,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": "68 days",
"source_listing_id": "94406",
"price_change_percentage": "-51.05%"
},
{
"date": "2014-06-24",
"price": 24900,
"listing": {
"status": "sold",
"list_date": "2025-09-18T06:24:45Z",
"list_price": 24900,
"listing_id": "567761641",
"last_update_date": "2024-08-28T05:55:27Z",
"last_status_change_date": "2025-09-18T06:24:45Z"
},
"event_name": "Price Changed",
"price_sqft": 20.889261744966444,
"source_name": "WestCentralOH",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "94406",
"price_change_percentage": null
},
{
"date": "2014-05-28",
"price": 34900,
"listing": {
"status": "sold",
"list_date": "2025-09-18T06:24:45Z",
"list_price": 24900,
"listing_id": "567761641",
"last_update_date": "2024-08-28T05:55:27Z",
"last_status_change_date": "2025-09-18T06:24:45Z"
},
"event_name": "Price Changed",
"price_sqft": 29.278523489932887,
"source_name": "WestCentralOH",
"price_change": -8000,
"days_after_listed": null,
"source_listing_id": "94406",
"price_change_percentage": null
},
{
"date": "2014-05-01",
"price": 42900,
"listing": {
"status": "sold",
"list_date": "2025-09-18T06:24:45Z",
"list_price": 24900,
"listing_id": "567761641",
"last_update_date": "2024-08-28T05:55:27Z",
"last_status_change_date": "2025-09-18T06:24:45Z"
},
"event_name": "Listed",
"price_sqft": 35.98993288590604,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "94406",
"price_change_percentage": "-38.01%"
},
{
"date": "2004-10-04",
"price": 69200,
"listing": null,
"event_name": "Sold",
"price_sqft": 58.053691275167786,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1997-11-18",
"price": 40000,
"listing": null,
"event_name": "Sold",
"price_sqft": 33.557046979865774,
"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": "4380862938",
"generated_at": "2026-02-19T06:28:56.777603Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 63.3
},
"utility_allowance": {
"zip_code": "45840",
"home_photo": "https://ap.rdcpix.com/69c0f52735fe9e1b74abb96a71a2248el-m2560507245s-w1280.jpg",
"rent_price": 1216.0,
"loan_amount": 99920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/206-Midland-Ave_Findlay_OH_45840_M43808-62938",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 124900.0,
"loan_term_years": 30,
"annual_cash_flow": 11412.34,
"mortgage_monthly": 664.77,
"payment_standard": 1484.0,
"total_amount_out": 24980.0,
"additional_photos": [
"https://ap.rdcpix.com/69c0f52735fe9e1b74abb96a71a2248el-m496225546s-w1280.jpg",
"https://ap.rdcpix.com/69c0f52735fe9e1b74abb96a71a2248el-m1805677953s-w1280.jpg",
"https://ap.rdcpix.com/69c0f52735fe9e1b74abb96a71a2248el-m676283281s-w1280.jpg",
"https://ap.rdcpix.com/69c0f52735fe9e1b74abb96a71a2248el-m747773818s-w1280.jpg",
"https://ap.rdcpix.com/69c0f52735fe9e1b74abb96a71a2248el-m1324031733s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 41.92,
"monthly_cash_flow": 951.03,
"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 details explicitly state central heating and a natural gas connection.",
"utility": "Heating",
"allowance": 75
},
{
"note": "Property has a natural gas connection, making it the most likely fuel source for cooking.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "Property has a natural gas connection, which is the most common and cost-effective fuel for water heating.",
"utility": "Water Heating",
"allowance": 33
},
{
"note": "Property details explicitly state connection to a public water source.",
"utility": "Water",
"allowance": 32
},
{
"note": "Property details explicitly state connection to public sewer.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "The property is connected to electricity. This covers general electrical use for lights, outlets, and tenant-provided appliances like window AC units.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "A refrigerator is not listed as a provided appliance, so this allowance is for a tenant-owned unit.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Standard allowance for a tenant-owned range/oven, as one is not explicitly provided by the landlord. This amount likely covers the electrical components.",
"utility": "Range",
"allowance": 8
},
{
"note": "Standard municipal service for a single-family residence, assumed to be the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.46,
"down_payment_amount": 24980.0,
"property_tax_annual": 1217.46,
"property_tax_monthly": 101.45,
"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": 3435.1,
"property_management_monthly": 121.6,
"monthly_cash_flow_after_debt": 286.26,
"cash_on_cash_return_after_debt": 0.14
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate inspection risk but generally rentable with targeted fixes. The property appears structurally intact and was recently used as a rental, with a functioning kitchen and usable exterior yard/shed. Primary concerns for a Section 8 / HCV initial NSPIRE inspection are missing/undeclared life-safety items (no visible smoke detectors, unclear GFCI outlets, potential electrical hazards from temporary cords), a kitchen ceiling stain that could indicate active leak, and a worn front porch railing. After addressing smoke/CO detectors, confirming GFCI, repairing any active leak, securing the porch railing, and making a few cosmetic repairs (flooring, trim, ceiling tiles), this property would likely pass an initial inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 65.0,
"rationale": "Interior photos show generally functional finishes but visible deferred maintenance and cosmetic issues: ceiling stain in kitchen (possible past or active leak), worn/warped laminate in living area, peeling/aged trim and pantry/laundry cabinetry, small porch railing and step wear. Kitchen has a newer range and microwave which reduces capital needs; missing or worn trim and some ceiling tile/cellulose panels in the laundry (low ceiling) are cosmetic/maintenance items. Overall moderate TLC and small repairs required but no obvious large-scale structural failure visible."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Visible safety concerns and unknowns that could fail an initial inspection: no smoke detectors are visible in photos (required), GFCI presence in kitchen/bath is not evident, small ceiling stain (possible active leak), exposed low-voltage/extension cords in living area, front porch railing looks aged and possibly loose. Egress windows appear present but second-floor egress not fully verified. Electrical panel, CO detector, hot water availability and stair condition were not shown. These unknowns plus the visible items create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Major systems are partially evident: newer electric range and microwave installed; horizontal vents noted in ceiling indicating some forced-air ducting, and a dryer is present. No boiler/furnace or water heater visible in photos; electrical panel and water heater condition unknown. Roof seen from front appears intact with no obvious sagging. Given the house age (1900) and the limited system photos, assume systems are serviceable but require verification and likely some maintenance or replacement in medium term."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding and shed appear intact and in good visual condition; yard is usable and level. Sidewalk and concrete steps are present and serviceable though the small front porch railing is weathered. No visible standing water, major foundation cracks, or collapsed elements in photos. Overhead service and satellite dish attachments are present and appear normal in photos. Overall the exterior is better than interior cosmetic condition."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or CO detector (life-safety requirement)",
"Possible active or recent ceiling leak (stain in kitchen) - potential water intrusion",
"Electrical hazard: temporary/exposed cords visible in living area and unclear GFCI protection in kitchen/bath",
"Front porch railing and small steps appear deteriorated/possibly loose"
],
"confidence": 0.65,
"assumptions": [
"No smoke detectors or carbon monoxide detectors were visible in provided photos; assume none are installed or they are not clearly located.",
"Electrical panel, water heater, and primary heating equipment were not photographed; assume they exist but condition is unverified.",
"Kitchen appliances include an electric range and microwave as shown; refrigerator presence is not shown but missing appliances reduce condition score moderately.",
"The ceiling stain in the kitchen image indicates at least past water intrusion; assume potential for leak that requires verification.",
"Second-floor bedroom egress windows likely exist (tall windows visible) but exact compliance dimensions are not verified from photos.",
"Front porch railing is weathered and may be loose — assumed to need repair rather than full replacement."
],
"overall_score": 63.0,
"rubric_version": "nspr-v1.0-2026-02"
},
{
"summary": "Overall this property appears to be a moderately turn‑ready single family rental with mostly cosmetic and moderate maintenance items. Primary inspection risks are missing/uncertain smoke/CO detectors and GFCI protection, a ceiling stain that indicates possible past or active leak needing investigation, and a deteriorated front porch railing. If detectors/GFCIs are installed, leak origin repaired (if active) and minor flooring/trim/rail repairs completed, the house is likely to pass an initial HCV/NSPIRE inspection within ~30 days. Rental history is present, which supports readiness.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior and exterior photos show generally serviceable finishes but clear deferred-TLC: ceiling stain in kitchen area, some lifted/damaged vinyl plank flooring, scuffed trim/cabinets and worn porch rail/steps. Kitchen has a working range/microwave installed (reduces penalty). No evidence of collapsed surfaces or exposed subfloor. These are mostly cosmetic or moderate repair items that should be fixed within a short rehab scope."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in photos. Bathroom and kitchen outlets/GFCI protection are not clearly shown; bathroom receptacle near sink appears not to be a GFCI. There is a visible ceiling stain (possible past or active water intrusion). Front porch railing is weathered and partially deteriorated (potential trip/handrail issue). No exposed live wiring seen, and windows appear operable (egress for upstairs bedroom plausible but not confirmed). Overall this is a moderate inspection risk primarily due to missing/uncertain detectors, GFCI, and the ceiling stain."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 55.0,
"rationale": "Photos show supply/return vents indicating forced‑air system may exist, and window A/C units are present. No furnace, water heater or electrical panel are shown. Kitchen appliances (range, microwave) appear installed and functional. Plumbing fixtures (sink, toilet) are present and appear serviceable. Roof is only partially visible from front and siding looks intact; ceiling stain suggests past roof or plumbing leak that requires verification. Given the lack of visible major-system equipment and the ceiling stain, assign moderate-low score pending mechanical verification."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 75.0,
"rationale": "Vinyl siding appears intact and reasonably maintained. Foundation exposure visible but shows no obvious large cracks in photos. Front porch and steps are functional but the wooden rail and balusters show weathering and partial deterioration that should be repaired. Yard is level with detached storage shed present and no standing water visible. Overall the exterior/site condition is acceptable with minor repairs."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE fail if missing).",
"Possible roof/plumbing leak indicated by ceiling stain — requires investigation and repair.",
"Deteriorated/partial front porch railing that may be unsafe or fail occupant handrail requirements.",
"Potential electrical hazards / missing GFCI at bathroom/kitchen outlets and use of window AC power cords (needs verification and remediation)."
],
"confidence": 0.6,
"assumptions": [
"No smoke or CO alarms were visible in the provided photos; assume none reliably installed or not visible in images.",
"Forced‑air HVAC is assumed present because supply/return vents are visible; furnace location and operability were not shown and should be verified.",
"Water heater and electrical panel location and condition are not shown; assume functional but unverified.",
"Ceiling discoloration represents a past or intermittent plumbing/roof leak but not an active collapse; further investigation required.",
"Bedroom egress (especially upstairs) is assumed adequate based on tall windows visible in exterior photo but not confirmed to meet rise/width standards.",
"Refrigerator presence is unknown from photos; kitchen does have a range/microwave which reduces appliance penalty.",
"No evidence of severe mold, major foundation movement, or collapsed ceilings in photos; assume none obvious but could exist hidden behind finishes."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/1BA single-family appears moderately turnkey with mostly cosmetic repairs and a few safety/code items to address. The house would likely pass a Section 8 initial inspection after performing focused repairs: install/verify smoke and CO detectors, add GFCI protection in kitchen/bath, repair/replace the front porch handrail and steps as needed, investigate and remediate the kitchen ceiling stain, and verify/repair any electrical grounding issues. Expect timeframe of ~2–4 weeks for repairs and re-checks (minor to moderate).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows mainly cosmetic deferred maintenance: worn/peeling laminate seams, dated paneling, some trim gaps, and a small area of loose cabinet/trim. Kitchen and laundry appliances (range, microwave, dryer) are present which reduces penalty. Porch railing/top rail is damaged and needs repair. Ceiling staining in the kitchen indicates a past or intermittent issue that should be evaluated and repaired. Overall items are mostly cosmetic/medium-effort repairs rather than major structural work."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 50.0,
"rationale": "Photos do not show smoke detectors or CO alarms — absence of visible detectors is a likely fail for an initial inspection. Porch steps/handrail are broken/loose (visible) creating an immediate trip/handrail hazard. No visible GFCI receptacles in kitchen/bath; window AC units and extension cords in living area indicate possible improper permanent wiring use. Ceiling stain near kitchen may indicate water intrusion that could hide mold or electrical risks. No obvious exposed live wiring seen in photos, but several electrical/egress items require correction to meet NSPIRE standards."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 60.0,
"rationale": "Roof eaves and siding visible in exterior photos appear intact with no signs of sagging or active failure. No central A/C is visible (window units present) and heating system/water heater not shown — assume present but not inspected. Kitchen appliances appear functional (electric range, microwave). Laundry dryer is present. Ceiling stain suggests a past leak that needs verification to rule out ongoing roof/plumbing issues. Electrical panel not shown so full electrical condition is unknown; visible outlets appear older and some are ungrounded/old style."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Vinyl siding and foundation margins visible look serviceable; yard is clear and a storage shed is present in fair condition. Walkway and steps are functional but the front porch railing is damaged and needs repair or replacement for safety. No standing water, obvious major drainage failure, heavy vegetation against foundation, or infestation evidence visible in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Broken/loose front porch handrail and potentially unsafe front steps (broken handrail / unsafe stairs).",
"No visible smoke detectors or carbon monoxide alarms in photos (likely inspection failure if absent).",
"Kitchen ceiling stain above cabinets — potential roof or plumbing leak that requires investigation and repair.",
"No visible GFCI protection in kitchen/bath and use of extension cords/window AC suggests improper permanent wiring (electrical hazard)."
],
"confidence": 0.7,
"assumptions": [
"Heating system and water heater are present (typical for an occupied rental) though not visible in photos; assumed operational unless inspection shows otherwise.",
"No active roof collapse or major structural/foundation movement exists beyond what is visible in photos (no sagging eaves or large foundation displacement visible).",
"Kitchen and laundry appliances shown are functional or can be made functional with minor servicing; missing items not shown (if any) would be moderate repairs.",
"Absence of visible smoke/CO detectors in photos is treated as not present or not compliant; they may exist in other rooms not photographed but must be confirmed.",
"Electrical panel, service, and water heater were not photographed; scoring assumes no catastrophic failures but flags typical items for verification (GFCI, grounding, panel labeling)."
],
"overall_score": 63.0,
"rubric_version": "ns_pire_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "206 Midland Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "Moderate inspection risk but generally rentable with targeted fixes. The property appears structurally intact and was recently used as a rental, with a functioning kitchen and usable exterior yard/shed. Primary concerns for a Section 8 / HCV initial NSPIRE inspection are missing/undeclared life-safety items (no visible smoke detectors, unclear GFCI outlets, potential electrical hazards from temporary cords), a kitchen ceiling stain that could indicate active leak, and a worn front porch railing. After addressing smoke/CO detectors, confirming GFCI, repairing any active leak, securing the porch railing, and making a few cosmetic repairs (flooring, trim, ceiling tiles), this property would likely pass an initial inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 68.3,
"rationale": "Interior photos show generally functional finishes but visible deferred maintenance and cosmetic issues: ceiling stain in kitchen (possible past or active leak), worn/warped laminate in living area, peeling/aged trim and pantry/laundry cabinetry, small porch railing and step wear. Kitchen has a newer range and microwave which reduces capital needs; missing or worn trim and some ceiling tile/cellulose panels in the laundry (low ceiling) are cosmetic/maintenance items. Overall moderate TLC and small repairs required but no obvious large-scale structural failure visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.3,
"rationale": "Exterior siding and shed appear intact and in good visual condition; yard is usable and level. Sidewalk and concrete steps are present and serviceable though the small front porch railing is weathered. No visible standing water, major foundation cracks, or collapsed elements in photos. Overhead service and satellite dish attachments are present and appear normal in photos. Overall the exterior is better than interior cosmetic condition."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Visible safety concerns and unknowns that could fail an initial inspection: no smoke detectors are visible in photos (required), GFCI presence in kitchen/bath is not evident, small ceiling stain (possible active leak), exposed low-voltage/extension cords in living area, front porch railing looks aged and possibly loose. Egress windows appear present but second-floor egress not fully verified. Electrical panel, CO detector, hot water availability and stair condition were not shown. These unknowns plus the visible items create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 58.3,
"rationale": "Major systems are partially evident: newer electric range and microwave installed; horizontal vents noted in ceiling indicating some forced-air ducting, and a dryer is present. No boiler/furnace or water heater visible in photos; electrical panel and water heater condition unknown. Roof seen from front appears intact with no obvious sagging. Given the house age (1900) and the limited system photos, assume systems are serviceable but require verification and likely some maintenance or replacement in medium term."
}
],
"red_flags": [
"No visible smoke detectors or CO detector (life-safety requirement)",
"Possible active or recent ceiling leak (stain in kitchen) - potential water intrusion",
"Electrical hazard: temporary/exposed cords visible in living area and unclear GFCI protection in kitchen/bath",
"Front porch railing and small steps appear deteriorated/possibly loose"
],
"confidence": 0.95,
"assumptions": [
"No smoke detectors or carbon monoxide detectors were visible in provided photos; assume none are installed or they are not clearly located.",
"Electrical panel, water heater, and primary heating equipment were not photographed; assume they exist but condition is unverified.",
"Kitchen appliances include an electric range and microwave as shown; refrigerator presence is not shown but missing appliances reduce condition score moderately.",
"The ceiling stain in the kitchen image indicates at least past water intrusion; assume potential for leak that requires verification.",
"Second-floor bedroom egress windows likely exist (tall windows visible) but exact compliance dimensions are not verified from photos.",
"Front porch railing is weathered and may be loose — assumed to need repair rather than full replacement."
],
"score_method": "mean_of_criteria",
"overall_score": 63.3,
"rubric_version": "nspr-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4380862938"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.