Property ID: 4471230494
715 Saline St, Pittsburgh, PA, 15207
Pittsburgh, PA
Money Down: $39,600
CoC Return: 37.12%
Monthly Cash Flow: $1,225
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,000
Closing Costs
$6,600
Total Down
$39,600
Investment Snapshot
Purchase Price
$165,000
Money Down
$39,600
Cash-on-Cash Return
37.12%
Rent
$2,498
Monthly Cash Flow
$1,225
Annual Cash Flow
$14,699
Debt Service / Mo
$878
Property Tax / Mo
$122
Insurance / Mo
$23
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,498
Payment Standard
$2,952
Rent
$2,498
Insurance
$23
Property Tax
$122
Management
$250
Utilities Allowance
$454
NOI (Monthly)
$2,103
Debt Service
$878
Cash Flow After Debt
$1,225
Quality Score: 82.60%
Confidence: 85.00%
This single-family property is largely turnkey for Section 8/HCV occupancy. The interior and kitchen/bath renovations, new mechanicals (roof, furnace, water heater, windows) and presence of appliances strongly support a passing initial NSPIRE inspection after routine verification. Minor exterior items (displaced brick skirting, cracked walkway) and verification items (CO detector presence, GFCI near sink, electrical panel condition, bedroom smoke detectors/egress confirmation) should be addressed or documented prior to inspection. No major structural, roof, or life-safety hazards were observed in the provided photos.
Section 8 Payment Standard
$2,952
Utility Allowance Total
$454
Guaranteed Section 8 Rent (PS - Utilities)
$2,498
Property Management
$250
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$165,000
Beds
3
Baths
1
Living Area
1,178 sqft
Lot Size
1,655 sqft
Year Built
1920
Days on Market
82
Capital Outlay
$39,600
Debt Service
$878
Property Tax / Mo
$122
Insurance / Mo
$23
Property Description
Move-in-ready home offering low-maintenance living just minutes from downtown Pittsburgh. This thoughtfully updated property features a bright and spacious living room with abundant natural light. The fully renovated kitchen serves as the center of the home, showcasing modern cabinetry, updated finishes, stainless steel appliances, and bar seating suitable for both everyday use and entertaining. The main level includes a convenient laundry area and a full bathroom. Upstairs, the home offers three bedrooms with flexible living space. Outside, the property features a flat, fully fenced front yard and a patio suitable for outdoor use. Recent improvements include a new roof, furnace, windows, water heater, a fully renovated kitchen, and new stainless steel appliances. Conveniently located near downtown, shopping, dining, parks, and major commuter routes, this home combines meaningful updates with a highly accessible location and move-in-ready condition.
Utility Allowances
heating
$82
Selected 'natural_gas' for a 3-bedroom unit based on property info stating 'Heating Features: Gas'.
cooking
$8
Selected 'natural_gas' for a 3-bedroom unit as the property includes a 'Gas Stove'.
water_heating
$24
Selected 'natural_gas' for a 3-bedroom unit, assuming the new water heater uses the same fuel as the gas heating system.
other_electric
$75
Selected the standard allowance for a 3-bedroom unit, covering general electric use like lighting and outlets.
air_conditioning
$17
Selected the allowance for a 3-bedroom unit, assuming tenant-provided A/C as no central system is mentioned.
water
$101
Selected the allowance for a 3-bedroom unit as the property has 'Public' water source.
sewer
$147
Selected the allowance for a 3-bedroom unit as the property has 'Public Sewer'.
refrigerator
$0
Allowance is $0 because the property info explicitly includes a 'Refrigerator', so this is not a tenant expense.
range_microwave
$0
Allowance is $0 because the property info explicitly includes a 'Microwave Oven', so this is not a tenant expense.
trash_collection
$0
Allowance is $0 as the utility schedule provides no value for this utility, suggesting it is not a direct tenant expense.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
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
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$156
DP3 Annual Estimate$390
DP1 Monthly Equivalent$13
DP3 Monthly Equivalent$32
Replacement Value$11,000
Basis1,178 sqft / 1920
Nearby Houses
Photo unavailable
717 Saline St
for_sale · 0.00 mi
Price: $229,900
2 bd / 2 ba · 1,344 sqft
Latest sale: $55,000 on Aug 21, 2007
Latest rent: $1,350 on Jul 07, 2025
Photo unavailable
713 Saline St
sold · 0.01 mi
Price: $88,000
3 bd / 1 ba · 1,691 sqft
Latest sale: $88,000 on Nov 27, 2024
Latest rent: $1,350 on Sep 12, 2024
Photo unavailable
718 Naylor St
sold · 0.02 mi
Price: $95,000
2 bd / 1 ba · 1,404 sqft
Latest sale: $95,000 on May 29, 2025
Latest rent: —
Photo unavailable
729 Naylor St
sold · 0.04 mi
Price: $140,000
2 bd / 1 ba · 848 sqft
Latest sale: $140,000 on Nov 10, 2022
Latest rent: —
Photo unavailable
615-627 Naylor St
sold · 0.05 mi
Price: $10,000
— bd / — ba
Latest sale: $10,000 on Feb 14, 2023
Latest rent: —
Photo unavailable
747 Naylor St
sold · 0.07 mi
Price: $120,000
2 bd / 2 ba
Latest sale: $120,000 on Oct 27, 2023
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that roof, furnace, windows, and water heater are new is accurate and these systems were installed properly and are operational.
- Appliances shown (stainless refrigerator, gas range, dishwasher, microwave) are operational and properly connected (gas connection for range is safe).
- Bedrooms upstairs have egress-compliant windows (sill height and clear opening meet local egress requirements) though not individually photographed.
- Smoke detection exists at a minimum on the main level (visible) and at least one on the upstairs level is present or will be installed; additional smoke/CO detectors may be required and are not visible in photos.
- Electrical distribution (panel, breakers) is intact and free of exposed wiring; panel location and condition not shown but assumed serviceable.
- Kitchen sink area may require GFCI verification; receptacles visible but GFCI operation not confirmed.
- No active roof leaks, hidden water damage, or significant mold are present based on clean interior finishes and new roof claim; however unseen issues could exist in non-photographed areas (attic, crawlspace).
- Sidewalk/driveway cracking and displaced bricks are cosmetic/site issues only and not indicative of major foundation movement in absence of other distress signs.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,425 | $57,600 | $57,600 |
| 2024 | $1,327 | $57,600 | $57,600 |
| 2023 | $1,327 | $57,600 | $57,600 |
| 2022 | $1,309 | $57,600 | $57,600 |
| 2021 | $1,309 | $57,600 | $57,600 |
| 2020 | $1,303 | $57,600 | $57,600 |
| 2019 | $1,303 | $57,600 | $57,600 |
| 2018 | $1,303 | $57,600 | $57,600 |
| 2017 | $1,303 | $57,600 | $57,600 |
| 2016 | $1,317 | $57,600 | $57,600 |
| 2015 | $1,317 | $57,600 | $57,600 |
| 2014 | $1,263 | $57,600 | $57,600 |
| 2013 | $1,509 | $57,600 | $57,600 |
| 2012 | $766 | $25,200 | $25,200 |
| 2011 | $741 | $25,200 | $25,200 |
| 2010 | $741 | $25,200 | $25,200 |
| 2009 | $741 | $25,200 | $25,200 |
| 2008 | $741 | $25,200 | $25,200 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-03-20 | Sold | $32,500 |
Photo Gallery
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},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1327,
"year": 2024,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1327,
"year": 2023,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1309,
"year": 2022,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1309,
"year": 2021,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1303,
"year": 2020,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1303,
"year": 2019,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1303,
"year": 2018,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1303,
"year": 2017,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1317,
"year": 2016,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1317,
"year": 2015,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1263,
"year": 2014,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 1509,
"year": 2013,
"market": {
"land": 46600,
"total": 57600,
"building": 11000
},
"assessment": {
"land": 46600,
"total": 57600,
"building": 11000
}
},
{
"tax": 766,
"year": 2012,
"market": {
"land": 6400,
"total": 25200,
"building": 18800
},
"assessment": {
"land": 6400,
"total": 25200,
"building": 18800
}
},
{
"tax": 741,
"year": 2011,
"market": {
"land": 6400,
"total": 25200,
"building": 18800
},
"assessment": {
"land": 6400,
"total": 25200,
"building": 18800
}
},
{
"tax": 741,
"year": 2010,
"market": {
"land": 6400,
"total": 25200,
"building": 18800
},
"assessment": {
"land": 6400,
"total": 25200,
"building": 18800
}
},
{
"tax": 741,
"year": 2009,
"market": {
"land": 6400,
"total": 25200,
"building": 18800
},
"assessment": {
"land": 6400,
"total": 25200,
"building": 18800
}
},
{
"tax": 741,
"year": 2008,
"market": {
"land": 6400,
"total": 25200,
"building": 18800
},
"assessment": {
"land": 6400,
"total": 25200,
"building": 18800
}
}
],
"property_history": [
{
"date": "2026-01-17",
"price": 165000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-17T18:00:35Z",
"list_price": 165000,
"listing_id": "2990396773",
"last_update_date": "2026-01-20T12:38:12Z",
"last_status_change_date": "2026-01-17T18:00:35Z"
},
"event_name": "Listed",
"price_sqft": 140.0679117147708,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1737262",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Residential - building - existing (addition/alteration)",
"permit_effective_date": "May 8, 2025",
"permit_project_type_1": "Home addition",
"permit_project_type_2": "Multi-room remodel",
"permit_project_type_3": "Residential"
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "4471230494",
"generated_at": "2026-02-24T23:37:41.872012Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 82.6
},
"utility_allowance": {
"zip_code": "15207",
"home_photo": "https://ap.rdcpix.com/6997ac002d95c0de8f57d53ad4a5ca02l-b1881629360s-w1280.jpg",
"rent_price": 2498.0,
"loan_amount": 132000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/715-Saline-St_Pittsburgh_PA_15207_M44712-30494",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 165000.0,
"loan_term_years": 30,
"annual_cash_flow": 25237.65,
"mortgage_monthly": 878.2,
"payment_standard": 2952.0,
"total_amount_out": 33000.0,
"additional_photos": [
"https://ap.rdcpix.com/6997ac002d95c0de8f57d53ad4a5ca02l-b1987489904s-w1280.jpg",
"https://ap.rdcpix.com/6997ac002d95c0de8f57d53ad4a5ca02l-b2604600472s-w1280.jpg",
"https://ap.rdcpix.com/6997ac002d95c0de8f57d53ad4a5ca02l-b2658518753s-w1280.jpg",
"https://ap.rdcpix.com/6997ac002d95c0de8f57d53ad4a5ca02l-b1786167760s-w1280.jpg",
"https://ap.rdcpix.com/6997ac002d95c0de8f57d53ad4a5ca02l-b3637839117s-w1280.jpg",
"https://ap.rdcpix.com/6997ac002d95c0de8f57d53ad4a5ca02l-b1156938312s-w1280.jpg",
"https://ap.rdcpix.com/6997ac002d95c0de8f57d53ad4a5ca02l-b1536841489s-w1280.jpg",
"https://ap.rdcpix.com/6997ac002d95c0de8f57d53ad4a5ca02l-b1110225054s-w1280.jpg",
"https://ap.rdcpix.com/6997ac002d95c0de8f57d53ad4a5ca02l-b4193252947s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 22.75,
"monthly_cash_flow": 2103.14,
"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": "Selected 'natural_gas' for a 3-bedroom unit based on property info stating 'Heating Features: Gas'.",
"utility": "heating",
"allowance": 82
},
{
"note": "Selected 'natural_gas' for a 3-bedroom unit as the property includes a 'Gas Stove'.",
"utility": "cooking",
"allowance": 8
},
{
"note": "Selected 'natural_gas' for a 3-bedroom unit, assuming the new water heater uses the same fuel as the gas heating system.",
"utility": "water_heating",
"allowance": 24
},
{
"note": "Selected the standard allowance for a 3-bedroom unit, covering general electric use like lighting and outlets.",
"utility": "other_electric",
"allowance": 75
},
{
"note": "Selected the allowance for a 3-bedroom unit, assuming tenant-provided A/C as no central system is mentioned.",
"utility": "air_conditioning",
"allowance": 17
},
{
"note": "Selected the allowance for a 3-bedroom unit as the property has 'Public' water source.",
"utility": "water",
"allowance": 101
},
{
"note": "Selected the allowance for a 3-bedroom unit as the property has 'Public Sewer'.",
"utility": "sewer",
"allowance": 147
},
{
"note": "Allowance is $0 because the property info explicitly includes a 'Refrigerator', so this is not a tenant expense.",
"utility": "refrigerator",
"allowance": 0
},
{
"note": "Allowance is $0 because the property info explicitly includes a 'Microwave Oven', so this is not a tenant expense.",
"utility": "range_microwave",
"allowance": 0
},
{
"note": "Allowance is $0 as the utility schedule provides no value for this utility, suggesting it is not a direct tenant expense.",
"utility": "trash_collection",
"allowance": 0
}
],
"cash_on_cash_return": 0.76,
"down_payment_amount": 33000.0,
"property_tax_annual": 1467.75,
"property_tax_monthly": 122.31,
"property_tax_increase": 0.03,
"utility_allowance_total": 454.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"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",
"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": 14699.26,
"property_management_monthly": 249.8,
"monthly_cash_flow_after_debt": 1224.94,
"cash_on_cash_return_after_debt": 0.45
},
"section8_assessment": {
"runs": [
{
"summary": "This single-family property is largely turnkey for Section 8/HCV occupancy. The interior and kitchen/bath renovations, new mechanicals (roof, furnace, water heater, windows) and presence of appliances strongly support a passing initial NSPIRE inspection after routine verification. Minor exterior items (displaced brick skirting, cracked walkway) and verification items (CO detector presence, GFCI near sink, electrical panel condition, bedroom smoke detectors/egress confirmation) should be addressed or documented prior to inspection. No major structural, roof, or life-safety hazards were observed in the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Interior appears freshly renovated with new LVP flooring, painted walls, updated kitchen cabinets and countertops, and new stainless appliances. Bathroom finishes appear new. Exterior siding is intact and the small wood stoop is new. Minor deferred items visible: loose/displaced brick skirting at grade near the foundation/window well and some cracked concrete on the walkway. No visible peeling paint or major interior damage. Missing appliances are not an issue (stainless fridge, range, dishwasher present). Overall cosmetic and finish condition is very good and only minor, easy-to-fix items remain."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 85.0,
"rationale": "Photos show at least one functioning smoke alarm on the main level. No exposed wiring, visible electrical hazards, blocked exits, or collapsed ceilings were observed. Windows appear intact and the two upstairs windows seen from exterior look large enough for egress (typical double-hung). Exterior gas meter and piping are present and appear properly installed. Uncertainties: carbon monoxide detector(s) are not visible in photos (required in PA for fuel-burning appliances), GFCI protection for kitchen sink is not clearly shown, and the electrical panel is not shown. Small foundation brick gaps near grade should be repaired to prevent water entry. These are moderate NSPIRE risks but likely correctable before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof)",
"score": 88.0,
"rationale": "Listing and photos indicate recent major systems updates: new roof, new furnace, new water heater, and new windows. Floor registers are visible in photos (evidence of forced-air heat). Appliances are present and appear new/recent. No visible signs of active leaks, standing water, or roof failure. Electrical meter is present; panel and distribution are not shown so condition is assumed typical. Given seller claims of recent system replacements and lack of visible system distress, major systems appear in good condition with standard verification recommended (service records or on-site functional checks)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 82.0,
"rationale": "Flat, fenced front yard and usable patio shown. Vinyl siding is intact and roofline appears straight. Concrete walkways show cracking and trip surfaces in places; chain-link fence is older but functional. Exposed/missing brick skirting near foundation and a small window well are visible and should be sealed/secured to prevent water/insect entry. No evidence of standing water, significant grading toward foundation, or infestation in photos. Overall site is serviceable but needs modest cleanup and minor foundation skirting repair."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that roof, furnace, windows, and water heater are new is accurate and these systems were installed properly and are operational.",
"Appliances shown (stainless refrigerator, gas range, dishwasher, microwave) are operational and properly connected (gas connection for range is safe).",
"Bedrooms upstairs have egress-compliant windows (sill height and clear opening meet local egress requirements) though not individually photographed.",
"Smoke detection exists at a minimum on the main level (visible) and at least one on the upstairs level is present or will be installed; additional smoke/CO detectors may be required and are not visible in photos.",
"Electrical distribution (panel, breakers) is intact and free of exposed wiring; panel location and condition not shown but assumed serviceable.",
"Kitchen sink area may require GFCI verification; receptacles visible but GFCI operation not confirmed.",
"No active roof leaks, hidden water damage, or significant mold are present based on clean interior finishes and new roof claim; however unseen issues could exist in non-photographed areas (attic, crawlspace).",
"Sidewalk/driveway cracking and displaced bricks are cosmetic/site issues only and not indicative of major foundation movement in absence of other distress signs."
],
"overall_score": 87.0,
"rubric_version": "2026-02-hud-nspire-v1"
},
{
"summary": "Overall the house appears move-in ready with recent major system updates (roof, furnace, water heater, windows) and a fully renovated kitchen. Most issues shown in photos are minor and easily corrected (add CO alarm, add GFCI protection at kitchen/bath, add/verify deadbolt and stair handrail, address small brick displacement and cracked concrete). With those targeted fixes the property would likely pass an initial Housing Choice Voucher/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Property appears recently renovated with new vinyl plank flooring, fresh paint, updated kitchen cabinets and countertops, and new stainless appliances. Exterior siding and roof look in good condition per listing/photos. Visible deferred items are minor: small cracked concrete on walkways, a simple wooden stoop that may need weatherproofing, minor brick skirt displacement under the siding near the window well and gas meter. Missing items that affect readiness but are easy/low-cost to fix include potential missing outlet covers/GFCI (kitchen outlets appear to be standard receptacles) and minor trim/threshold finishing at the kitchen entry. No evidence of heavy cosmetic damage or widespread deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "Positive observations: visible ceiling smoke detector in living room, no visible exposed wiring, listing states new furnace and water heater (reduces safety risk), egress-style windows visible in front. Concerns likely to cause an NSPIRE fail without quick fixes: I do not see a carbon monoxide alarm (required in homes with gas appliances) and kitchen outlets near the sink show standard receptacles without visible GFCI test/reset (likely need GFCI protection). The main egress/entry door knob is visible but no deadbolt is apparent in photos (Section 8 inspections typically require a functioning deadbolt). Interior stair opening visible in living area shows no handrail in photos. Minor foundation brick displacement near the base could create tripping or pest-entry concerns if not addressed. These are correctable but are inspection-risk items."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Electrical/Plumbing)",
"score": 85.0,
"rationale": "Listing states new roof, new furnace, and new water heater; photos show modern stainless appliances and a gas range connected at exterior gas meter, suggesting systems were recently updated. No visible signs of roof sag, active leaks, or standing water. Electrical meter and service on sidewall appear intact; no exposed wiring seen. Plumbing fixtures in the kitchen look modern and functioning. Because the electrical panel, heating operation, and hot water operation cannot be tested from photos, I rely on the listing claims and visual condition — which indicate healthy systems but warrant standard in-person verification during inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior vinyl siding is intact and clean; yard is flat and fully fenced as advertised. Concrete walkways show cracking and settling but not severe collapse. Small wooden stoop is newly-built but lacks a handrail (single riser — likely acceptable but should be checked against local code). Brick foundation mortar and brick skirt show some displacement near the window well and gas meter which is cosmetic now but should be stabilized to prevent further movement. No visible major drainage or erosion issues from photos; side access steps and retaining wall above rear look serviceable but were not fully photographed."
}
],
"red_flags": [
"No visible carbon monoxide detector (required where gas appliances present).",
"No visible GFCI-protected outlets at kitchen counters (potential NSPIRE fail).",
"No visible deadbolt on primary exterior door (security requirement).",
"No visible handrail at interior stair opening (safety/NSPIRE concern).",
"Minor displacement of bricks at foundation skirt near window well/gas meter (monitor; could indicate localized settling)."
],
"confidence": 0.75,
"assumptions": [
"Listing is accurate about recent replacements (roof, furnace, water heater, windows) and those systems are installed and functioning.",
"Smoke detector shown in living room is operational; additional smoke detectors (required per code) may be present but were not photographed.",
"Bedrooms upstairs have typical size egress windows (photos not provided) and are assumed adequate unless otherwise noted.",
"Electrical panel is intact and compliant (not pictured) and kitchen/bath circuits are standard; visible kitchen outlets do not show GFCI test buttons so assume GFCI protection may be absent at counter.",
"Main exterior door does not show a deadbolt in the photos; assume deadbolt may be missing and should be confirmed/installed.",
"Interior stair handrail is not visible in photos; assume handrail is missing or not code-compliant and should be confirmed."
],
"overall_score": 80.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "Overall the property appears largely turnkey for a Housing Choice Voucher initial inspection. Interior renovations, new appliances, and listing-reported system replacements (roof, furnace, water heater, windows) significantly reduce inspection risk. Main items to verify before inspection: presence and placement of carbon-monoxide alarm (gas range present), GFCI protection at kitchen/bath outlets, condition and location of the electrical panel, and that upstairs bedroom windows meet egress requirements. Exterior work needed includes addressing displaced foundation bricks and leveling/repairing cracked walkways to eliminate trip hazards. If the few verification items are confirmed or quickly remedied, the home is likely to pass an initial NSPIRE/HCV inspection with minor corrective actions required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: new-looking LVP floors, fresh paint, intact drywall, functioning ceiling fans and light fixtures, and a fully renovated kitchen with stainless appliances visible. Exterior vinyl siding and a new-looking roof (listing claims new) appear in good condition. Observable minor deferred items: displaced bricks/soil at foundation perimeter (under siding) and cracked/uneven concrete walkway that could be a trip hazard. Small wooden entry platform lacks a finished skirt but is serviceable. Missing appliances are not an issue here (stove, fridge & dishwasher present). Overall minimal repair/cosmetic work expected."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 75.0,
"rationale": "No obvious life-threatening hazards visible: ceilings intact, no visible active leaks, no exposed wiring in photos, and entry door appears secure. Smoke detector is visible in a living area which suggests basic fire detection is present. However carbon-monoxide detector is not visible in photos and a gas range is present (CO alarms are required where there are fuel-burning appliances in many jurisdictions / NSPIRE contexts). GFCI protection at kitchen sink outlets is not clearly visible in photos. Bedroom windows/egress for upstairs bedrooms are not pictured and cannot be confirmed. Foundation brick displacement and uneven walk areas are a moderate safety concern. No clear missing guardrails or broken steps observed. Overall there are some code/inspection risks to verify (CO alarm, GFCI, egress windows, electrical panel), but no immediate visible catastrophic hazards."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 85.0,
"rationale": "Listing states and photos support recent system upgrades: new roof, new furnace, new water heater, and new windows. Kitchen shows new stainless steel appliances (gas range, refrigerator, dishwasher) which indicates functioning gas/electrical connections. No visible evidence of plumbing failures, active leaks, or water damage in the photographed rooms. Electrical panel is not shown so panel condition cannot be confirmed. Based on listing claims and visible finish quality, major systems are likely recently serviced and in good operational condition, pending verification of electrical panel and HVAC operation."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Flat, fenced yard and patio are present, chain-link fence provides basic perimeter security. Siding and windows appear intact. Concrete walkways are cracked and uneven in places creating trip hazards. There is visible displacement of brick at the foundation perimeter (loose/missing bricks and soil gap) which suggests some cosmetic foundation-edge issues or missing skirting that should be corrected to prevent water intrusion and pest access. No visible standing water or major drainage pooling in photos, though grading near foundation should be confirmed on-site. Overall tidy yard but with minor-to-moderate exterior maintenance needs."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that roof, furnace, windows, and water heater are new is accurate; photos and finishes are consistent with recent work.",
"Smoke detector observed in living area is functional; additional smoke detectors (required in hallways/bedrooms) are either present but not pictured or will be installed.",
"Carbon monoxide alarm is not visible in photos — assume none shown; tenant-level CO alarm may be required and will need verification/installation.",
"Electrical panel and GFCI protection are not visible in provided photos; assume standard modern outlets are present but GFCI near sink needs on-site verification.",
"Upstairs bedrooms and their windows (egress) are not shown; assume typical bedroom windows exist but must be verified for egress dimensions.",
"Displaced bricks at foundation are a localized finish/edge issue rather than evidence of major foundation movement; no severe foundation cracking visible in supplied photos.",
"Listing photos represent the actual condition (staged/edited photos may hide small defects), and there are no undisclosed active roof leaks or hidden mold problems; if present, these would change the assessment."
],
"overall_score": 81.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "715 Saline St, Pittsburgh, PA, 15207",
"aggregate": {
"summary": "This single-family property is largely turnkey for Section 8/HCV occupancy. The interior and kitchen/bath renovations, new mechanicals (roof, furnace, water heater, windows) and presence of appliances strongly support a passing initial NSPIRE inspection after routine verification. Minor exterior items (displaced brick skirting, cracked walkway) and verification items (CO detector presence, GFCI near sink, electrical panel condition, bedroom smoke detectors/egress confirmation) should be addressed or documented prior to inspection. No major structural, roof, or life-safety hazards were observed in the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.7,
"rationale": "Interior appears freshly renovated with new LVP flooring, painted walls, updated kitchen cabinets and countertops, and new stainless appliances. Bathroom finishes appear new. Exterior siding is intact and the small wood stoop is new. Minor deferred items visible: loose/displaced brick skirting at grade near the foundation/window well and some cracked concrete on the walkway. No visible peeling paint or major interior damage. Missing appliances are not an issue (stainless fridge, range, dishwasher present). Overall cosmetic and finish condition is very good and only minor, easy-to-fix items remain."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.3,
"rationale": "Flat, fenced front yard and usable patio shown. Vinyl siding is intact and roofline appears straight. Concrete walkways show cracking and trip surfaces in places; chain-link fence is older but functional. Exposed/missing brick skirting near foundation and a small window well are visible and should be sealed/secured to prevent water/insect entry. No evidence of standing water, significant grading toward foundation, or infestation in photos. Overall site is serviceable but needs modest cleanup and minor foundation skirting repair."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 76.7,
"rationale": "Photos show at least one functioning smoke alarm on the main level. No exposed wiring, visible electrical hazards, blocked exits, or collapsed ceilings were observed. Windows appear intact and the two upstairs windows seen from exterior look large enough for egress (typical double-hung). Exterior gas meter and piping are present and appear properly installed. Uncertainties: carbon monoxide detector(s) are not visible in photos (required in PA for fuel-burning appliances), GFCI protection for kitchen sink is not clearly shown, and the electrical panel is not shown. Small foundation brick gaps near grade should be repaired to prevent water entry. These are moderate NSPIRE risks but likely correctable before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof)",
"score": 86.0,
"rationale": "Listing and photos indicate recent major systems updates: new roof, new furnace, new water heater, and new windows. Floor registers are visible in photos (evidence of forced-air heat). Appliances are present and appear new/recent. No visible signs of active leaks, standing water, or roof failure. Electrical meter is present; panel and distribution are not shown so condition is assumed typical. Given seller claims of recent system replacements and lack of visible system distress, major systems appear in good condition with standard verification recommended (service records or on-site functional checks)."
}
],
"red_flags": [],
"confidence": 0.85,
"assumptions": [
"Listing statement that roof, furnace, windows, and water heater are new is accurate and these systems were installed properly and are operational.",
"Appliances shown (stainless refrigerator, gas range, dishwasher, microwave) are operational and properly connected (gas connection for range is safe).",
"Bedrooms upstairs have egress-compliant windows (sill height and clear opening meet local egress requirements) though not individually photographed.",
"Smoke detection exists at a minimum on the main level (visible) and at least one on the upstairs level is present or will be installed; additional smoke/CO detectors may be required and are not visible in photos.",
"Electrical distribution (panel, breakers) is intact and free of exposed wiring; panel location and condition not shown but assumed serviceable.",
"Kitchen sink area may require GFCI verification; receptacles visible but GFCI operation not confirmed.",
"No active roof leaks, hidden water damage, or significant mold are present based on clean interior finishes and new roof claim; however unseen issues could exist in non-photographed areas (attic, crawlspace).",
"Sidewalk/driveway cracking and displaced bricks are cosmetic/site issues only and not indicative of major foundation movement in absence of other distress signs."
],
"score_method": "mean_of_criteria",
"overall_score": 82.6,
"rubric_version": "2026-02-hud-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4471230494"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.