Property ID: 4423047985
232 Prentiss Ave, Findlay, OH, 45840
Findlay, OH
Money Down: $38,376
CoC Return: -6.56%
Monthly Cash Flow: $-210
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$31,980
Closing Costs
$6,396
Total Down
$38,376
Investment Snapshot
Purchase Price
$159,900
Money Down
$38,376
Cash-on-Cash Return
-6.56%
Rent
$908
Monthly Cash Flow
$-210
Annual Cash Flow
$-2,516
Debt Service / Mo
$851
Property Tax / Mo
$130
Insurance / Mo
$45
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$908
Payment Standard
$1,127
Rent
$908
Insurance
$45
Property Tax
$130
Management
$91
Utilities Allowance
$219
NOI (Monthly)
$641
Debt Service
$851
Cash Flow After Debt
$-210
Quality Score: 73.90%
Confidence: 89.00%
This 2-bed, 1-bath single-family home presents as largely rent-ready for a Housing Choice Voucher inspection with only minor repairs and verification items expected. Exterior and interior both look well maintained, and the property includes a fenced backyard and attached garage. The seller's statement that a complete new HVAC system will be installed in Feb 2026 is a major plus for mechanical compliance (if completed). Main inspection risks are documentation/verification items not visible in photos: presence and location of smoke/CO detectors, electrical panel condition, hot water and plumbing operation, and kitchen appliance presence. No major structural or life-safety failures are visible in the photos.
Section 8 Payment Standard
$1,127
Utility Allowance Total
$219
Guaranteed Section 8 Rent (PS - Utilities)
$908
Property Management
$91
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$159,900
Beds
2
Baths
1
Living Area
897 sqft
Lot Size
10,890 sqft
Year Built
1954
Days on Market
128
Capital Outlay
$38,376
Debt Service
$851
Property Tax / Mo
$130
Insurance / Mo
$45
Property Description
Cute 2 bedroom home with a fully fenced in back yard located on Findlay's north end. NEW HVAC system being installed February 2026 ( including AC condenser, furnace and all new duct work). Back yard is great for grilling out and entertaining friends or a just a quiet night at home sitting around a bonfire. Home is located minutes from many restaurants and grocery stores. This home is perfect for someone looking to downsize or a first time home buyer. The bathroom includes a Homewerks lighted bluetooth speaker exhaust fan. Security cameras do not stay.
Utility Allowances
Heating (Natural Gas)
$61
Selected 'natural_gas' for heating as the property details explicitly state 'Natural Gas Connected' and 'Forced Air' heating.
Air Conditioning
$0
Property has Central Air, but the utility schedule provides no allowance amount for any bedroom size for this utility. A value of $0 is assigned.
Water Heating (Natural Gas)
$27
Inferred 'natural_gas' for water heating. The property is connected to natural gas for other appliances (heating), making it the most logical and cost-effective choice.
Cooking (Electric)
$11
Selected 'electric' for cooking as the property details explicitly list an 'Electric Range' under appliances.
Refrigerator
$8
Property includes a refrigerator. This allowance covers the tenant's cost for the electricity to operate it.
Other Electric
$32
This is a standard baseline allowance for general electricity usage (lights, outlets, etc.) for a 2-bedroom single-family home.
Water
$26
Property details state the unit is connected to 'Public' water.
Sewer
$29
Property details state the unit is connected to 'Public Sewer'.
Trash Collection
$25
Trash collection is a standard utility for a single-family residence and is assumed to be a tenant expense as it is not mentioned as landlord-provided.
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$532
DP3 Annual Estimate$557
DP1 Monthly Equivalent$44
DP3 Monthly Equivalent$46
Replacement Value$94,930
Basis897 sqft / 1954
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229 Lester Ave
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220 Prentiss Ave
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225 Lester Ave
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Price: $220,000
2 bd / 3 ba · 1,304 sqft
Latest sale: $220,000
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229 Prentiss Ave
sold · 0.04 mi
Price: $135,000
2 bd / 1 ba · 1,060 sqft
Latest sale: $135,000
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304 Prentiss Ave
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Price: $183,475
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Photo unavailable
232 Rector Ave
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228 Lester Ave
sold · 0.07 mi
Price: $118,000
3 bd / 1 ba · 1,120 sqft
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Photo unavailable
248 Rector Ave
sold · 0.07 mi
Price: $125,000
2 bd / 1 ba · 929 sqft
Latest sale: $125,000
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Photo unavailable
311 Lester Ave
sold · 0.07 mi
Price: $124,000
4 bd / 1 ba · 1,105 sqft
Latest sale: $124,000
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307 Prentiss Ave
sold · 0.07 mi
Price: $143,000
3 bd / 2 ba · 1,356 sqft
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Photo unavailable
213 Lester Ave
sold · 0.07 mi
Price: $118,400
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220 Rector Ave
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Price: $198,900
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Latest sale: $198,900
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302 Rector Ave
sold · 0.08 mi
Price: $161,000
4 bd / 2 ba · 1,536 sqft
Latest sale: $161,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- New HVAC (furnace, AC condenser, ductwork) will be installed as listed in Feb 2026; assessment assumes that installation is completed or will be completed before final tenancy.
- Kitchen appliances (stove/fridge) are not shown; assume they may be present but their condition is unknown. Missing appliances would be treated as moderate, fixable items rather than immediate safety failures.
- Smoke and carbon monoxide detectors are not clearly visible in photos; assume at least basic smoke detection may be present but placement and functionality need verification during inspection.
- Electrical panel, water heater, and plumbing function are not shown; assume typical condition for a maintained home unless inspection finds otherwise.
- No recent rental history in the last 5 years (per snapshot) — rental history not included in scoring.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,520 | $140,090 | $49,040 |
| 2023 | $1,493 | $117,730 | $41,210 |
| 2022 | $1,468 | $117,730 | $41,210 |
| 2021 | $1,330 | $93,360 | $32,676 |
| 2020 | $1,329 | $93,360 | $32,676 |
| 2018 | $1,282 | $77,040 | $26,964 |
| 2017 | $1,172 | $77,040 | $26,964 |
| 2016 | $1,164 | $77,040 | $26,964 |
| 2015 | $933 | $61,040 | $21,364 |
| 2014 | $934 | $61,040 | $21,364 |
| 2013 | $934 | $61,040 | $21,364 |
| 2012 | $996 | $64,760 | $22,660 |
| 2011 | $996 | $64,760 | $22,660 |
| 2010 | $996 | $64,760 | $22,660 |
| 2009 | $970 | $66,710 | $23,350 |
| 2008 | $880 | $66,710 | $23,350 |
| 2007 | $877 | $66,710 | $23,350 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-19 | Price Changed | $159,900 |
| 2025-12-17 | Price Changed | $164,900 |
| 2025-12-01 | Listed | $169,900 |
| 2019-05-08 | Sold | $95,000 |
| 2019-05-06 | Sold | $95,000 |
| 2019-04-04 | Listed | $94,000 |
| 2000-07-06 | Sold | $66,400 |
| 1997-07-18 | Sold | $61,000 |
| 1990-07-13 | Sold | $49,500 |
Photo Gallery
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"eligible": true,
"min_score": 60.0,
"overall_score": 73.9
},
"utility_allowance": {
"zip_code": "45840",
"home_photo": "https://ap.rdcpix.com/51612852f15dbda8e1689ac3edb6a24el-m2978169731s-w1280.jpg",
"rent_price": 908.0,
"loan_amount": 127920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/232-Prentiss-Ave_Findlay_OH_45840_M44230-47985",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 159900.0,
"loan_term_years": 30,
"annual_cash_flow": 7696.3,
"mortgage_monthly": 851.05,
"payment_standard": 1127.0,
"total_amount_out": 31980.0,
"additional_photos": [
"https://ap.rdcpix.com/51612852f15dbda8e1689ac3edb6a24el-m1298360316s-w1280.jpg",
"https://ap.rdcpix.com/51612852f15dbda8e1689ac3edb6a24el-m4239704123s-w1280.jpg",
"https://ap.rdcpix.com/51612852f15dbda8e1689ac3edb6a24el-m492627852s-w1280.jpg",
"https://ap.rdcpix.com/51612852f15dbda8e1689ac3edb6a24el-m4094917984s-w1280.jpg",
"https://ap.rdcpix.com/51612852f15dbda8e1689ac3edb6a24el-m1004435808s-w1280.jpg",
"https://ap.rdcpix.com/51612852f15dbda8e1689ac3edb6a24el-m1597385475s-w1280.jpg",
"https://ap.rdcpix.com/51612852f15dbda8e1689ac3edb6a24el-m1439514546s-w1280.jpg",
"https://ap.rdcpix.com/51612852f15dbda8e1689ac3edb6a24el-m3920670359s-w1280.jpg",
"https://ap.rdcpix.com/51612852f15dbda8e1689ac3edb6a24el-m3356868133s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 45.38,
"monthly_cash_flow": 641.36,
"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": "Selected 'natural_gas' for heating as the property details explicitly state 'Natural Gas Connected' and 'Forced Air' heating.",
"utility": "Heating (Natural Gas)",
"allowance": 61
},
{
"note": "Property has Central Air, but the utility schedule provides no allowance amount for any bedroom size for this utility. A value of $0 is assigned.",
"utility": "Air Conditioning",
"allowance": 0
},
{
"note": "Inferred 'natural_gas' for water heating. The property is connected to natural gas for other appliances (heating), making it the most logical and cost-effective choice.",
"utility": "Water Heating (Natural Gas)",
"allowance": 27
},
{
"note": "Selected 'electric' for cooking as the property details explicitly list an 'Electric Range' under appliances.",
"utility": "Cooking (Electric)",
"allowance": 11
},
{
"note": "Property includes a refrigerator. This allowance covers the tenant's cost for the electricity to operate it.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "This is a standard baseline allowance for general electricity usage (lights, outlets, etc.) for a 2-bedroom single-family home.",
"utility": "Other Electric",
"allowance": 32
},
{
"note": "Property details state the unit is connected to 'Public' water.",
"utility": "Water",
"allowance": 26
},
{
"note": "Property details state the unit is connected to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 29
},
{
"note": "Trash collection is a standard utility for a single-family residence and is assumed to be a tenant expense as it is not mentioned as landlord-provided.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.24,
"down_payment_amount": 31980.0,
"property_tax_annual": 1565.6,
"property_tax_monthly": 130.47,
"property_tax_increase": 0.03,
"utility_allowance_total": 219.0,
"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": -2516.36,
"property_management_monthly": 90.8,
"monthly_cash_flow_after_debt": -209.7,
"cash_on_cash_return_after_debt": -0.08
},
"section8_assessment": {
"runs": [
{
"summary": "This 2-bed, 1-bath single-family home presents as largely rent-ready for a Housing Choice Voucher inspection with only minor repairs and verification items expected. Exterior and interior both look well maintained, and the property includes a fenced backyard and attached garage. The seller's statement that a complete new HVAC system will be installed in Feb 2026 is a major plus for mechanical compliance (if completed). Main inspection risks are documentation/verification items not visible in photos: presence and location of smoke/CO detectors, electrical panel condition, hot water and plumbing operation, and kitchen appliance presence. No major structural or life-safety failures are visible in the photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Exterior and interior photos show generally well-maintained surfaces: intact siding, windows, concrete driveway/walk, and clean interior finishes (paint, carpet, ceiling). Minor cosmetic items visible (garden beds need cleanup, minor gutter staining, small interior wall/plate wear). No evidence of collapsed ceilings, major water stains, or exposed subfloor. Kitchen and bathroom finishes are not shown; missing appliances are not documented. Listing notes new HVAC being installed in Feb 2026 which improves turnkey readiness. Overall condition indicates only minor, easy-to-fix items."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 75.0,
"rationale": "No obvious life-threatening hazards visible: entry door has lockset and likely deadbolt, outlets have covers, no exposed wiring seen in photos, stairs/guards not applicable (single story). Windows appear operable and of a size that likely provide egress for bedrooms, though bedroom photos/egress labels are not shown. No visible mold or major water intrusion. Uncertainties: presence and placement of smoke and CO detectors not clearly visible, electrical panel location and condition not shown, plumbing/hot water function not documented. New HVAC installation will address heating/AC system compliance. Given visible condition, moderate NSPIRE risk from undocumented detectors/panels but no clear immediate safety failures."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Listing states a NEW HVAC system (AC condenser, furnace, all new ductwork) is being installed in Feb 2026 — if installed as stated this substantially reduces system risk. No photos of water heater, electrical panel, or kitchen appliances; roof appears aged but without visible sagging or active leaks in the photos (some staining at gutter ends). Plumbing operation, hot water, and electrical panel condition are unknown. Because of those unknowns combined with visible good condition elsewhere, assign a moderately strong score but not full points until mechanicals can be verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Yard is fully fenced (listing confirms), driveway and walkways in good condition, attached garage present, and property appears free of debris or heavy neglect. Siding and trim appear intact; gutters present though with minor staining. Large mature trees near the house present (root/branch risk) but no visible foundation cracking or obvious drainage ponding. Backyard shows a flat, usable yard and fenced perimeter — positive for habitability and safety. Tree proximity is noted as a potential future maintenance concern but not an immediate inspection-fail."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"New HVAC (furnace, AC condenser, ductwork) will be installed as listed in Feb 2026; assessment assumes that installation is completed or will be completed before final tenancy.",
"Kitchen appliances (stove/fridge) are not shown; assume they may be present but their condition is unknown. Missing appliances would be treated as moderate, fixable items rather than immediate safety failures.",
"Smoke and carbon monoxide detectors are not clearly visible in photos; assume at least basic smoke detection may be present but placement and functionality need verification during inspection.",
"Electrical panel, water heater, and plumbing function are not shown; assume typical condition for a maintained home unless inspection finds otherwise.",
"No recent rental history in the last 5 years (per snapshot) — rental history not included in scoring."
],
"overall_score": 76.0,
"rubric_version": "2026-02-24_v1"
},
{
"summary": "Overall this 2-bed single-family home appears in generally good cosmetic condition and would likely pass a Housing Choice Voucher initial inspection after addressing a short list of common items. The highest NSPIRE risks from the photos are lack of visible smoke and carbon monoxide detectors, unverified GFCI protection in kitchen/bath, and incomplete verification of major systems (water heater, electrical panel). The listing indicates a full HVAC replacement scheduled for Feb 2026 — if that install is completed and detectors/GFCIs are installed, the property looks rent-ready with minor repairs (clean gutters, trim/patch drywall, verify appliances) and should pass within 2–4 weeks of finishing those items. If HVAC is not yet installed at inspection or detectors/GFCIs are missing, the inspection failure risk increases significantly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Overall the house appears cosmetically well maintained from photos: exterior vinyl siding and shutters intact, driveway and porch in good condition, interior finishes (carpet, paint) look clean and updated. Visible minor deferred items: staining/soffit/gutter discoloration at front eave, small unfinished/damaged drywall/trim around the large interior mirror, and general minor landscaping debris. Listing does not show kitchen or appliances; absence of visible appliances in photos was treated as a moderate negative but not a major deduction. No visible flooring or major drywall failures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the interior photos (required by NSPIRE). Entry door has a deadbolt visible which is positive. No exposed wiring or obvious electrical hazards seen; outlet covers mostly present. Window sizes and egress for bedrooms are not shown explicitly; exterior windows look adequate but cannot be confirmed. No visible trip hazards, collapsed ceilings, or active leaks in photos. Because detectors and GFCI locations (kitchen/bath) are not shown, there is moderate inspection risk until verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Listing states a NEW HVAC system (AC condenser, furnace and all new duct work) is scheduled for installation in February 2026 — this will be positive if completed before inspection. Photos show central supply/return grille in living area indicating central HVAC present. Roof shingles appear aged but intact with no obvious sagging or active leaks; some algae/staining at eaves. Water heater, electrical panel and plumbing fixtures are not shown; no evidence of failure but cannot be confirmed from photos. Moderate risk remains until HVAC installation and plumbing/electrical are verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Large, fully fenced backyard visible and looks serviceable; rear patio and sliding door present. Siding and foundation appear in serviceable condition in photos. Driveway and attached one-car garage look intact. A large mature tree sits close to the house which is a site risk (root/roof damage potential) but not an immediate code fail. Minor gutter/soffit staining at front eave suggests past runoff or plugged gutters that should be cleaned/inspected."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos (NSPIRE fail if absent).",
"HVAC replacement is scheduled for a future date — if not completed before inspection, heating/cooling/combustion-safety issues could cause failure.",
"Evidence of gutter/soffit staining at front eave suggesting past water intrusion that should be inspected.",
"Large mature tree very close to the house (roof and foundation/root risk); recommend evaluation for potential damage."
],
"confidence": 0.6,
"assumptions": [
"New HVAC (furnace, condenser and ductwork) will be installed as advertised on/around February 2026; score assumes either the replacement is completed before inspection or existing system is serviceable.",
"Water heater and main plumbing fixtures are present and operational though not pictured; no visible signs of leaks in photos.",
"Electrical panel exists and is intact; no exposed wiring was visible in rooms photographed.",
"Kitchen appliances (stove, refrigerator) likely exist but were not photographed; missing appliances would be a moderate (not catastrophic) negative and are treated as a minor deduction.",
"Bedrooms have compliant egress windows consistent with typical single-story homes of this era (windows visible from exterior appear adequate), though exact measurements were not provided.",
"Interior photos do not show smoke/CO detectors or GFCI outlets; assume these may be absent or simply not in frame — presence must be verified before inspection."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2BR single-family appears largely rent-ready for an initial Section 8/HCV inspection after addressing a few minor items. The house shows good cosmetic condition, an intact exterior, a fenced yard and functioning entry security hardware. The main uncertainties are verification of functioning smoke/CO alarms and GFCI protection, confirmation of the electrical panel condition, and whether the NEW HVAC installation (stated for Feb 2026) has been completed prior to inspection. None of the visible issues are life‑threatening; most are easy repairs (outlet/plate covers, small wall repairs, routine gutter/roof cleaning). If the new HVAC is installed and standard safety devices are present, this property is likely to pass an initial NSPIRE/HCV inspection with only minor repairs required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Exterior and interior photos show a well-maintained small ranch with clean siding, intact windows, a paved driveway and a fenced backyard. Interior finishes (carpet, paint, ceiling fans) are in good cosmetic condition. Minor deferred items visible: decorative mirror edge damage, exposed low-voltage/phone plate near entry, a few wall scuffs/holes and string lights. Kitchen and bathroom fixtures/appliances are not shown — listing does not confirm appliances remain. Missing appliances would be an easy-to-fix, capital item but reduce readiness modestly. Overall mostly cosmetic and small repairs only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "Key safety items appear acceptable from photos: entry door has a deadbolt, ceilings are intact with no visible sagging, and I can see at least one small alarm-like device near a window (likely a detector). No exposed live wiring is evident other than a missing low-voltage/phone cover near the entry. Bedroom egress windows and GFCI locations in kitchen/bath are not shown and could not be verified. No visible active leaks, major mold, cracked foundation, or collapsed ceilings. Because smoke/CO/GFCI verification and electrical panel location are not visible, there is moderate inspection risk until those are confirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 72.0,
"rationale": "Listing states a NEW HVAC (furnace, condenser, ductwork) is being installed in February 2026 — if completed this removes a major systems risk and supports passing inspection. A supply/return grille is visible in the living room indicating central HVAC ductwork exists. Roof is asphalt shingle and shows staining/age in gutter areas but no visible sagging or missing field shingles in the images. Water heater, electrical panel, and plumbing fixtures are not visible in the photos and therefore cannot be fully verified. Given visible condition and planned HVAC work, mechanical risk is moderate but manageable."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior photos show intact siding, gutters, a sound concrete driveway, attached garage, fully fenced backyard and level yard with no standing water visible. There is a large mature tree close to the house which is common but represents potential root/roof risk long-term. Gutters show some staining and debris at roofline which is an easy maintenance item. Overall the site is tidy and appears safe."
}
],
"red_flags": [
"Missing low-voltage/phone plate or cover near entry (visible) — minor electrical finish issue that must be corrected.",
"Unable to fully verify presence and placement of smoke and carbon monoxide detectors and GFCI protection in kitchen/bath from photos (verification required prior to inspection).",
"Roof shows staining/age at eaves and gutters — not an immediate structural failure but should be inspected/cleaned; potential for future leak if neglected.",
"Large mature tree very close to the house — potential root or roof limb risk that may require monitoring or mitigation."
],
"confidence": 0.7,
"assumptions": [
"The NEW HVAC (furnace, AC condenser and all new ductwork) stated in the listing for February 2026 will be installed and operational by the time of inspection.",
"Interior photos represent typical condition of the rest of the unit (kitchen and bathroom are not shown but presumed serviceable).",
"Smoke detector(s) are present somewhere in the unit (a small alarm-like device visible near the living room window is assumed to be a detector); CO alarm presence in required locations is unconfirmed.",
"Electrical panel, water heater and plumbing are functional but were not visible in the supplied photos and therefore could contain hidden defects.",
"Appliances (stove/fridge) are not pictured and may not be included; missing appliances would be moderate capital items but not immediate safety failures."
],
"overall_score": 75.0,
"rubric_version": "2026-02-24_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "232 Prentiss Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "This 2-bed, 1-bath single-family home presents as largely rent-ready for a Housing Choice Voucher inspection with only minor repairs and verification items expected. Exterior and interior both look well maintained, and the property includes a fenced backyard and attached garage. The seller's statement that a complete new HVAC system will be installed in Feb 2026 is a major plus for mechanical compliance (if completed). Main inspection risks are documentation/verification items not visible in photos: presence and location of smoke/CO detectors, electrical panel condition, hot water and plumbing operation, and kitchen appliance presence. No major structural or life-safety failures are visible in the photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.7,
"rationale": "Exterior and interior photos show generally well-maintained surfaces: intact siding, windows, concrete driveway/walk, and clean interior finishes (paint, carpet, ceiling). Minor cosmetic items visible (garden beds need cleanup, minor gutter staining, small interior wall/plate wear). No evidence of collapsed ceilings, major water stains, or exposed subfloor. Kitchen and bathroom finishes are not shown; missing appliances are not documented. Listing notes new HVAC being installed in Feb 2026 which improves turnkey readiness. Overall condition indicates only minor, easy-to-fix items."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Yard is fully fenced (listing confirms), driveway and walkways in good condition, attached garage present, and property appears free of debris or heavy neglect. Siding and trim appear intact; gutters present though with minor staining. Large mature trees near the house present (root/branch risk) but no visible foundation cracking or obvious drainage ponding. Backyard shows a flat, usable yard and fenced perimeter — positive for habitability and safety. Tree proximity is noted as a potential future maintenance concern but not an immediate inspection-fail."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 68.3,
"rationale": "No obvious life-threatening hazards visible: entry door has lockset and likely deadbolt, outlets have covers, no exposed wiring seen in photos, stairs/guards not applicable (single story). Windows appear operable and of a size that likely provide egress for bedrooms, though bedroom photos/egress labels are not shown. No visible mold or major water intrusion. Uncertainties: presence and placement of smoke and CO detectors not clearly visible, electrical panel location and condition not shown, plumbing/hot water function not documented. New HVAC installation will address heating/AC system compliance. Given visible condition, moderate NSPIRE risk from undocumented detectors/panels but no clear immediate safety failures."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 69.0,
"rationale": "Listing states a NEW HVAC system (AC condenser, furnace, all new ductwork) is being installed in Feb 2026 — if installed as stated this substantially reduces system risk. No photos of water heater, electrical panel, or kitchen appliances; roof appears aged but without visible sagging or active leaks in the photos (some staining at gutter ends). Plumbing operation, hot water, and electrical panel condition are unknown. Because of those unknowns combined with visible good condition elsewhere, assign a moderately strong score but not full points until mechanicals can be verified."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"New HVAC (furnace, AC condenser, ductwork) will be installed as listed in Feb 2026; assessment assumes that installation is completed or will be completed before final tenancy.",
"Kitchen appliances (stove/fridge) are not shown; assume they may be present but their condition is unknown. Missing appliances would be treated as moderate, fixable items rather than immediate safety failures.",
"Smoke and carbon monoxide detectors are not clearly visible in photos; assume at least basic smoke detection may be present but placement and functionality need verification during inspection.",
"Electrical panel, water heater, and plumbing function are not shown; assume typical condition for a maintained home unless inspection finds otherwise.",
"No recent rental history in the last 5 years (per snapshot) — rental history not included in scoring."
],
"score_method": "mean_of_criteria",
"overall_score": 73.9,
"rubric_version": "2026-02-24_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4423047985"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.