Property ID: 4452776669
7315 Whipple St, Pittsburgh, PA, 15218
Pittsburgh, PA
Money Down: $40,728
CoC Return: 18.57%
Monthly Cash Flow: $630
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,940
Closing Costs
$6,788
Total Down
$40,728
Investment Snapshot
Purchase Price
$169,700
Money Down
$40,728
Cash-on-Cash Return
18.57%
Rent
$2,109
Monthly Cash Flow
$630
Annual Cash Flow
$7,563
Debt Service / Mo
$903
Property Tax / Mo
$318
Insurance / Mo
$46
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,109
Payment Standard
$2,583
Rent
$2,109
Insurance
$46
Property Tax
$318
Management
$211
Utilities Allowance
$474
NOI (Monthly)
$1,534
Debt Service
$903
Cash Flow After Debt
$630
Quality Score: 70.50%
Confidence: 94.00%
Overall this 3-bed, 1.5-bath brick home presents as largely serviceable for HCV/NSPIRE inspection with primarily cosmetic and capital-repair items (hardwood floors, cabinets, ceiling tiles, deck maintenance). No immediate life-safety failures are visible in the photos. Key unknowns (electrical panel condition, CO detectors, GFCI protection, HVAC/water heater condition) keep it from being fully turnkey. With minor repairs/verification (install/confirm CO and GFCI, secure/repair deck railings, verify furnace/water heater and electrical panel) it should pass an initial Housing Choice Voucher inspection within ~30 days.
Section 8 Payment Standard
$2,583
Utility Allowance Total
$474
Guaranteed Section 8 Rent (PS - Utilities)
$2,109
Property Management
$211
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$169,700
Beds
3
Baths
1.5
Living Area
1,395 sqft
Lot Size
2,701 sqft
Year Built
1920
Days on Market
236
Capital Outlay
$40,728
Debt Service
$903
Property Tax / Mo
$318
Insurance / Mo
$46
Property Description
Welcome to this spacious 3-bedroom, 1.5-bath brick home offering classic character and hardwood floors throughout most of the home. The main floor features a bright living room, formal dining area, and a kitchen with access to the rear deck-perfect for outdoor dining and entertaining. A convenient half bath is located on the main level. The second floor offers three bedrooms and a full bathroom. The upper level boasts a large versatile area. The basement provides abundant storage space and a laundry area. Enjoy a low-maintenance yard and a prime location close to shopping, dining, public transportation, hospitals, Universities, Frick Park, and major highways for an easy commute.
Utility Allowances
Heating (Natural Gas)
$82
Property information specifies 'Gas' and 'Forced Air' heating. Selected 'natural_gas' from the available heating options.
Cooking (Electric)
$14
Property information lists 'Electric Stove' under inclusions. Selected 'electric' from the cooking options.
Water Heating (Electric)
$38
The fuel type for the water heater is not specified. As per the rules, the more expensive 'electric' option ($38) was chosen over 'natural_gas' ($24).
Other Electric
$75
This is a standard allowance for baseline electrical costs like lighting and general appliance usage for a 3-bedroom unit.
Air Conditioning
$17
This is a standard allowance for a single-family home. It's assumed the tenant would provide their own cooling (e.g., window units) if central A/C is not present.
Water
$101
Property information states the water source is 'Public'. This is the standard allowance for a 3-bedroom unit.
Sewer
$147
Property information confirms a 'Public Sewer' connection. This is the standard allowance for a 3-bedroom unit.
Refrigerator
$0
The property's 'Inclusions' list explicitly states a 'Refrigerator' is provided by the landlord, so the tenant does not bear this cost.
Range/Microwave
$0
The property's 'Inclusions' list explicitly states a 'Microwave Oven' is provided by the landlord, so the tenant does not bear this cost.
Trash Collection
$0
The provided utility allowance schedule does not specify an amount for trash collection, resulting in a $0 allowance.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf
https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf
https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/doing-business/landlord-resources/
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$371
DP3 Annual Estimate$745
DP1 Monthly Equivalent$31
DP3 Monthly Equivalent$62
Replacement Value$71,500
Basis1,395 sqft / 1920
Nearby Houses
Photo unavailable
7308 Whipple St
sold · 0.04 mi
Price: $305,000
4 bd / 4 ba · 1,990 sqft
Latest sale: $305,000 on Nov 10, 2021
Latest rent: —
Photo unavailable
7237 Princeton Pl
sold · 0.04 mi
Price: $225,000
3 bd / 1 ba · 1,242 sqft
Latest sale: $225,000 on Jan 17, 2025
Latest rent: —
Photo unavailable
1604-1610 Monroe St
for_sale · 0.06 mi
Price: $420,000
8 bd / 4 ba
Latest sale: $280,000 on Jun 08, 2021
Latest rent: —
Photo unavailable
7228 Whipple St
sold · 0.07 mi
Price: $265,000
3 bd / 3 ba · 1,436 sqft
Latest sale: $265,000 on Dec 04, 2023
Latest rent: $2,500 on Jan 12, 2023
Photo unavailable
7334 Whipple St
sold · 0.07 mi
Price: $200,000
3 bd / 1 ba · 1,524 sqft
Latest sale: $200,000 on Nov 02, 2020
Latest rent: $1,395 on Jun 16, 2020
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detector visible in living area is operational; additional smoke detectors may be required in bedrooms/hallways per local code.
- No active roof leaks are present; ceiling tiles are intact without visible heavy staining (photos show no large stains).
- Heating system is present and functional (floor vents and thermostat visible), but furnace and water heater locations and conditions were not photographed.
- Electrical panel and grounding/GFCI protection not shown; assumed service is typical for an older single-family and may require upgrades.
- Basement and laundry area exist (listed) but were not photographed; assumed usable with typical older-home conditions.
- Rear deck is structurally intact but weathered; its railings are present though attachment integrity was not verified.
- No obvious severe mold, active pest infestation, collapsed ceilings, or major structural movement visible in supplied photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $3,706 | $88,400 | $88,400 |
| 2024 | $3,556 | $88,400 | $88,400 |
| 2023 | $3,600 | $88,400 | $88,400 |
| 2022 | $3,600 | $88,400 | $88,400 |
| 2021 | $3,511 | $88,400 | $88,400 |
| 2020 | $3,433 | $88,400 | $88,400 |
| 2019 | $3,366 | $88,400 | $88,400 |
| 2018 | $3,366 | $88,400 | $88,400 |
| 2017 | $3,366 | $88,400 | $88,400 |
| 2016 | $3,105 | $88,400 | $88,400 |
| 2015 | $3,105 | $88,400 | $88,400 |
| 2014 | $3,020 | $88,400 | $88,400 |
| 2013 | $3,357 | $88,400 | $88,400 |
| 2012 | $2,482 | $59,100 | $59,100 |
| 2011 | $2,466 | $61,000 | $61,000 |
| 2010 | $2,405 | $61,000 | $61,000 |
| 2009 | $2,405 | $61,000 | $61,000 |
| 2008 | $2,344 | $61,000 | $61,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2006-09-25 | Sold | $51,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-05-30 | Listed for rent | $1,450 | — |
| 2025-04-18 | Listed for rent | $1,450 | — |
| 2024-07-03 | Listed for rent | $1,300 | — |
| 2021-10-19 | Listed for rent | $1,250 | — |
Photo Gallery
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"min_score": 60.0,
"overall_score": 70.5
},
"utility_allowance": {
"zip_code": "15218",
"home_photo": "https://ap.rdcpix.com/9ef1593980d0f5f9429f06f6a6c27676l-m1866867056s-w1280.jpg",
"rent_price": 2109.0,
"loan_amount": 135760.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/7315-Whipple-St_Pittsburgh_PA_15218_M44527-76669",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 169700.0,
"loan_term_years": 30,
"annual_cash_flow": 18402.02,
"mortgage_monthly": 903.21,
"payment_standard": 2583.0,
"total_amount_out": 33940.0,
"additional_photos": [
"https://ap.rdcpix.com/9ef1593980d0f5f9429f06f6a6c27676l-m2477867954s-w1280.jpg",
"https://ap.rdcpix.com/9ef1593980d0f5f9429f06f6a6c27676l-m3235074626s-w1280.jpg",
"https://ap.rdcpix.com/9ef1593980d0f5f9429f06f6a6c27676l-m2200392378s-w1280.jpg",
"https://ap.rdcpix.com/9ef1593980d0f5f9429f06f6a6c27676l-m3322029270s-w1280.jpg",
"https://ap.rdcpix.com/9ef1593980d0f5f9429f06f6a6c27676l-m3681342848s-w1280.jpg",
"https://ap.rdcpix.com/9ef1593980d0f5f9429f06f6a6c27676l-m2810289843s-w1280.jpg",
"https://ap.rdcpix.com/9ef1593980d0f5f9429f06f6a6c27676l-m1697563129s-w1280.jpg",
"https://ap.rdcpix.com/9ef1593980d0f5f9429f06f6a6c27676l-m124579219s-w1280.jpg",
"https://ap.rdcpix.com/9ef1593980d0f5f9429f06f6a6c27676l-m3080831511s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 46.5,
"monthly_cash_flow": 1533.5,
"property_tax_rate": 0.0168,
"_utility_allowance": {
"sources": [
"https://hacp.org/app/uploads/2025/10/2026-HCV-Utility-Allowance-Schedule.pdf",
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property information specifies 'Gas' and 'Forced Air' heating. Selected 'natural_gas' from the available heating options.",
"utility": "Heating (Natural Gas)",
"allowance": 82
},
{
"note": "Property information lists 'Electric Stove' under inclusions. Selected 'electric' from the cooking options.",
"utility": "Cooking (Electric)",
"allowance": 14
},
{
"note": "The fuel type for the water heater is not specified. As per the rules, the more expensive 'electric' option ($38) was chosen over 'natural_gas' ($24).",
"utility": "Water Heating (Electric)",
"allowance": 38
},
{
"note": "This is a standard allowance for baseline electrical costs like lighting and general appliance usage for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 75
},
{
"note": "This is a standard allowance for a single-family home. It's assumed the tenant would provide their own cooling (e.g., window units) if central A/C is not present.",
"utility": "Air Conditioning",
"allowance": 17
},
{
"note": "Property information states the water source is 'Public'. This is the standard allowance for a 3-bedroom unit.",
"utility": "Water",
"allowance": 101
},
{
"note": "Property information confirms a 'Public Sewer' connection. This is the standard allowance for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 147
},
{
"note": "The property's 'Inclusions' list explicitly states a 'Refrigerator' is provided by the landlord, so the tenant does not bear this cost.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property's 'Inclusions' list explicitly states a 'Microwave Oven' is provided by the landlord, so the tenant does not bear this cost.",
"utility": "Range/Microwave",
"allowance": 0
},
{
"note": "The provided utility allowance schedule does not specify an amount for trash collection, resulting in a $0 allowance.",
"utility": "Trash Collection",
"allowance": 0
}
],
"cash_on_cash_return": 0.54,
"down_payment_amount": 33940.0,
"property_tax_annual": 3817.18,
"property_tax_monthly": 318.1,
"property_tax_increase": 0.03,
"utility_allowance_total": 474.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf",
"https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/doing-business/landlord-resources/"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 7563.44,
"property_management_monthly": 210.9,
"monthly_cash_flow_after_debt": 630.29,
"cash_on_cash_return_after_debt": 0.22
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3-bed, 1.5-bath brick home presents as largely serviceable for HCV/NSPIRE inspection with primarily cosmetic and capital-repair items (hardwood floors, cabinets, ceiling tiles, deck maintenance). No immediate life-safety failures are visible in the photos. Key unknowns (electrical panel condition, CO detectors, GFCI protection, HVAC/water heater condition) keep it from being fully turnkey. With minor repairs/verification (install/confirm CO and GFCI, secure/repair deck railings, verify furnace/water heater and electrical panel) it should pass an initial Housing Choice Voucher inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears generally well-maintained: hardwood floors in good condition, walls freshly painted, full kitchen with stove and refrigerator present. Minor deferred items visible: aging drop-ceiling tiles (cosmetic and may conceal minor repairs), worn cabinet faces, weathered exterior stairs/planter areas, and some trim scuffs. No major visible water damage, collapsed surfaces, or exposed subfloor. Missing or older finishes reduce turnkey rating slightly, but most items are cosmetic or capital-only."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "Smoke detector is visible in main living area. Interior egress windows appear present in bedrooms (multiple windows shown). Entry doors look secure and there are floor vents/thermostat indicating an active heating system. No obvious exposed wiring, severe trip hazards, collapsed ceilings, or active leaks seen in photos. Unconfirmed items that affect score: presence/placement of carbon monoxide detectors, GFCI protection in kitchen, electrical panel condition, and operability of smoke/CO alarms. Deck railings exist but are weathered and should be verified for secure attachment. These unknowns reduce the safety score to a moderate risk level."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Photos show floor supply vents and a thermostat suggesting a forced-air heating system, and a functional kitchen sink and stove, but no photos of furnace, water heater, electrical panel, or main plumbing runs. The house is a 1920 brick structure — older systems are possible. Drop ceilings may hide ductwork/plumbing. No visible active roof leaks or severe moisture staining, but the absence of images of mechanical equipment forces a conservative rating for system risk and potential required repairs/updates."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior and foundation appear sound from street photos; rooflines of the house show no obvious sag or missing areas. The rear deck is large and usable but shows weathering; railings are present but should be checked for structural integrity and spacing. Front steps, walk, and yard are modest and low-maintenance but show minor cracking and overgrown shrubs that could create trip/egress or pest-harborage issues if not maintained. No evidence of standing water, major erosion, or infestation visible in images."
},
{
"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": [],
"confidence": 0.7,
"assumptions": [
"Smoke detector visible in living area is operational; additional smoke detectors may be required in bedrooms/hallways per local code.",
"No active roof leaks are present; ceiling tiles are intact without visible heavy staining (photos show no large stains).",
"Heating system is present and functional (floor vents and thermostat visible), but furnace and water heater locations and conditions were not photographed.",
"Electrical panel and grounding/GFCI protection not shown; assumed service is typical for an older single-family and may require upgrades.",
"Basement and laundry area exist (listed) but were not photographed; assumed usable with typical older-home conditions.",
"Rear deck is structurally intact but weathered; its railings are present though attachment integrity was not verified.",
"No obvious severe mold, active pest infestation, collapsed ceilings, or major structural movement visible in supplied photos."
],
"overall_score": 74.0,
"rubric_version": "2026-02-25-v1"
},
{
"summary": "Overall this brick single-family appears generally sound and close to Section 8 / NSPIRE ready. Interior finishes and flooring are in good cosmetic condition and appliances are present. Primary inspection risks are code-type items: lack of visible carbon monoxide alarm, possible non-GFCI kitchen outlets, and deck/front-step guardrail/handrail compliance. Mechanical systems (furnace/boiler, water heater, electrical panel) were not shown and should be verified; absent evidence of active leaks or structural distress, the property likely requires only minor to moderate repairs and verification work to pass an initial HCV inspection (expected rent-ready timeline: within 2–4 weeks after addressing identified safety items and system verifications). Recent rental history is a positive indicator of prior occupancy and turnover readiness.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior appears clean with intact hardwood floors throughout, functioning kitchen appliances (stove and refrigerator present), solid brick fireplace and generally good paint. Cosmetic deferred items: suspended ceiling tiles are dated and some tiles look uneven, kitchen cabinets/showing wear, minor trim scuffs, and deck wood needs routine maintenance. No visible collapsed ceilings, exposed subfloor, or extensive water staining. Missing or aging finishes are moderate and primarily cosmetic or capital items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "A smoke alarm is visible in a main room (positive). Front and back doors show locking hardware including a deadbolt on the back door. No carbon monoxide detector was visible in photos (required where fuel-burning appliances/attached garages are present). Kitchen GFCI protection is not evident on receptacles near the sink — this is a common NSPIRE fail risk. Deck guardrail appears low and the baluster/opening design may not meet modern 4\" opening or height requirements; front entry steps appear to lack a handrail. No obvious exposed live wiring, active roof leaks, or severe trip hazards were observed, but some visible appliance cords and outlet boxes look aged and should be checked. Overall: likely a few targeted safety fixes (CO alarm, GFCI or outlet upgrades, deck/handrail work) required to pass inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "No obvious signs of roof collapse, ceiling sagging, or major water intrusion in photos. Floor registers visible indicating a central heating distribution (likely operational but system, furnace/boiler and water heater not shown). Electrical panel is not visible (cannot verify breakers, labeling, age). Plumbing fixtures (kitchen sink, bathroom fixtures glimpsed in description) appear intact; hot water availability not verifiable from photos. Given age (1920) and absence of visible HVAC equipment, there is moderate uncertainty — systems may be functional but would require verification and possibly minor servicing or electrical/GFCI updates to be inspection-ready."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Brick exterior looks sound with no visible major foundation cracking or bulging in provided photos. Front stoop, steps and small yard are maintained though shrubbery is slightly overgrown. Rear deck is serviceable but shows weathered wood and a lattice-style guardrail with large openings; deck stairs appear intact but rail height/opening compliance is uncertain. Sidewalks and immediate walkways show minor wear but no standing water or obvious erosion visible. No signs of infestation or major exterior neglect were observed."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible carbon monoxide detector in photos — CO alarm installation may be required.",
"Kitchen receptacles near sink do not show GFCI protection — likely NSPIRE/GFCI failure without upgrade.",
"Deck guardrail appears low/with large openings; may fail guardrail/child-safety requirements and need reinforcement or replacement.",
"Front entry steps appear to lack a handrail — potential safety/code violation depending on riser count.",
"Visible appliance cord/outlet area near refrigerator looks aged — possible electrical hazard that needs inspection."
],
"confidence": 0.7,
"assumptions": [
"Heating distribution exists (floor registers visible); however the primary heating appliance (furnace/boiler) and water heater were not photographed — assumed functional but unverified.",
"Second-floor bedrooms have usable egress windows (exterior photos show 2nd-floor windows, but direct egress compliance not confirmed).",
"No active roof leaks or major attic/roof structural issues exist since no interior water stains or deterioration are visible.",
"Kitchen and bathroom plumbing provide hot water and operate normally (not verifiable from photos).",
"Electrical panel and breaker condition are unknown; assume service is intact but may need upgrades (GFCI).",
"Deck and front steps structurally intact but guardrail height/opening may not meet current code — assumed repairable."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE_v1.0"
},
{
"summary": "This brick single-family home appears generally well maintained and is likely to pass a Housing Choice Voucher/NSPIRE initial inspection after simple corrections and verifications. Primary near-term actions: confirm operational heating and hot water, install/verify smoke detectors on each level and in all sleeping rooms, install a CO detector if required, retrofit or confirm GFCI protection for kitchen outlets, and verify deck guardrail/handrail spacing and security. Expect to be rent-ready within 1–4 weeks provided systems test OK and minor safety items are installed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears largely intact with original hardwoods in good condition, painted walls, functioning doors/windows and present kitchen appliances (range and refrigerator). Cosmetic deferred items include replacement ceiling tile panels in main living areas, some scuffed trim and older cabinetry. Rear deck needs routine maintenance (staining/fastener check) but appears structurally complete. Missing or older finishes are easy-to-fix or capital items rather than structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "One smoke detector is visible in the main living area but there is no visible CO detector and smoke detectors in bedrooms/each sleep level are not shown — likely need verification or installation. Kitchen outlets do not show obvious GFCI devices; GFCI in kitchen (and bathrooms if required) may be needed. Entry door shows two locks (deadbolt present). No obvious exposed wiring, major trip hazards, missing guardrails or collapsed ceilings were observed in photos. The deck has a guardrail but lattice openings and stair handrail detail are unclear and should be verified to meet guard spacing and handrail requirements. These are correctable but represent NSPIRE inspection risks until verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 70.0,
"rationale": "Floor registers and a thermostat on the wall indicate a forced-air HVAC system likely present; furnace/water heater not shown and should be tested. No visible active leaks, standing water, or collapsed ceilings in photos. Kitchen plumbing fixtures are present and sink appears intact. Ceiling tiles may indicate prior moisture intrusion in some areas — recommend checking attic/roof and basement for leaks and mold. Electrical panel not shown; visible outlets and switches have covers. Overall systems appear likely functional but are unverified and need operational confirmation (heating, hot water, electrical panel)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.0,
"rationale": "Brick exterior and foundation visible in photos appear sound with no obvious major cracking or sagging. Front landscaping is minimal; walkway has some uneven patches but no large trip hazards observed. Rear deck and stairs are intact; railings are installed but lattice pattern and spacing should be verified for guard/child-safety compliance and stair handrail security. Gutters/downspouts are present in photos; drainage behavior and slope toward the structure should be confirmed but there is no obvious exterior neglect or infestation evidence."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing/uncertain carbon monoxide detector (not visible) — may be required depending on fuel sources.",
"Kitchen outlets do not show GFCI protection — likely need upgrade to meet code/NSPIRE requirements.",
"Drop ceiling tiles in living/kitchen areas may indicate prior moisture intrusion; investigate for active leaks or mold.",
"Deck guardrail uses lattice and openings/spacing not clearly code-compliant; verify guard spacing and stair handrail."
],
"confidence": 0.65,
"assumptions": [
"Forced-air heating system and water heater exist in basement (not shown) and are operational unless testing indicates otherwise.",
"Appliances pictured (electric range and refrigerator) are present and functional at move-in; if not, replacing appliances is a capital item and should be scheduled.",
"No active roof leaks or major roof failure exist beyond what is visible in photos; ceiling tiles could be cosmetic or reflect past leaks — further investigation recommended.",
"Electrical panel and grounding are serviceable though not shown; no obvious exposed live wiring is visible in photos.",
"Bedrooms have operable windows providing egress as suggested by photos showing typical double-hung windows.",
"Deck structural framing and stair attachment are sound in photos; however fasteners, guard spacing and handrail security need on-site verification."
],
"overall_score": 71.0,
"rubric_version": "2026-02-hcv-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "7315 Whipple St, Pittsburgh, PA, 15218",
"aggregate": {
"summary": "Overall this 3-bed, 1.5-bath brick home presents as largely serviceable for HCV/NSPIRE inspection with primarily cosmetic and capital-repair items (hardwood floors, cabinets, ceiling tiles, deck maintenance). No immediate life-safety failures are visible in the photos. Key unknowns (electrical panel condition, CO detectors, GFCI protection, HVAC/water heater condition) keep it from being fully turnkey. With minor repairs/verification (install/confirm CO and GFCI, secure/repair deck railings, verify furnace/water heater and electrical panel) it should pass an initial Housing Choice Voucher inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Interior appears generally well-maintained: hardwood floors in good condition, walls freshly painted, full kitchen with stove and refrigerator present. Minor deferred items visible: aging drop-ceiling tiles (cosmetic and may conceal minor repairs), worn cabinet faces, weathered exterior stairs/planter areas, and some trim scuffs. No major visible water damage, collapsed surfaces, or exposed subfloor. Missing or older finishes reduce turnkey rating slightly, but most items are cosmetic or capital-only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.3,
"rationale": "Brick exterior and foundation appear sound from street photos; rooflines of the house show no obvious sag or missing areas. The rear deck is large and usable but shows weathering; railings are present but should be checked for structural integrity and spacing. Front steps, walk, and yard are modest and low-maintenance but show minor cracking and overgrown shrubs that could create trip/egress or pest-harborage issues if not maintained. No evidence of standing water, major erosion, or infestation visible in images."
},
{
"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."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 66.7,
"rationale": "Smoke detector is visible in main living area. Interior egress windows appear present in bedrooms (multiple windows shown). Entry doors look secure and there are floor vents/thermostat indicating an active heating system. No obvious exposed wiring, severe trip hazards, collapsed ceilings, or active leaks seen in photos. Unconfirmed items that affect score: presence/placement of carbon monoxide detectors, GFCI protection in kitchen, electrical panel condition, and operability of smoke/CO alarms. Deck railings exist but are weathered and should be verified for secure attachment. These unknowns reduce the safety score to a moderate risk level."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Photos show floor supply vents and a thermostat suggesting a forced-air heating system, and a functional kitchen sink and stove, but no photos of furnace, water heater, electrical panel, or main plumbing runs. The house is a 1920 brick structure — older systems are possible. Drop ceilings may hide ductwork/plumbing. No visible active roof leaks or severe moisture staining, but the absence of images of mechanical equipment forces a conservative rating for system risk and potential required repairs/updates."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Smoke detector visible in living area is operational; additional smoke detectors may be required in bedrooms/hallways per local code.",
"No active roof leaks are present; ceiling tiles are intact without visible heavy staining (photos show no large stains).",
"Heating system is present and functional (floor vents and thermostat visible), but furnace and water heater locations and conditions were not photographed.",
"Electrical panel and grounding/GFCI protection not shown; assumed service is typical for an older single-family and may require upgrades.",
"Basement and laundry area exist (listed) but were not photographed; assumed usable with typical older-home conditions.",
"Rear deck is structurally intact but weathered; its railings are present though attachment integrity was not verified.",
"No obvious severe mold, active pest infestation, collapsed ceilings, or major structural movement visible in supplied photos."
],
"score_method": "mean_of_criteria",
"overall_score": 70.5,
"rubric_version": "2026-02-25-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4452776669"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.