Property ID: 4500206462
7138 Apple St, Pittsburgh, PA, 15206
Pittsburgh, PA
Money Down: $20,400
CoC Return: 74.12%
Monthly Cash Flow: $1,260
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
74.12%
Rent
$1,976
Monthly Cash Flow
$1,260
Annual Cash Flow
$15,121
Debt Service / Mo
$452
Property Tax / Mo
$43
Insurance / Mo
$23
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,976
Payment Standard
$2,309
Rent
$1,976
Insurance
$23
Property Tax
$43
Management
$198
Utilities Allowance
$333
NOI (Monthly)
$1,712
Debt Service
$452
Cash Flow After Debt
$1,260
Quality Score: 66.70%
Confidence: 90.00%
This 2-bed brick rowhome appears mostly cosmetically updated and close to rent-ready but has some inspection risks to address before an initial HCV/NSPIRE inspection. Strengths: new-looking flooring, included kitchen appliances, intact stairs/handrail, solid brick exterior. Primary issues: no visible smoke/CO detectors in photos (likely required), ceiling patching suggesting prior leaks that must be verified and repaired if active, and unknown condition of electrical panel, furnace and water heater (not photographed). With straightforward corrections (install detectors, confirm/repair leak source, verify mechanicals and GFCI protection) the property should be rentable within 2–4 weeks.
Section 8 Payment Standard
$2,309
Utility Allowance Total
$333
Guaranteed Section 8 Rent (PS - Utilities)
$1,976
Property Management
$198
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
2
Baths
1
Living Area
980 sqft
Lot Size
1,912 sqft
Year Built
1910
Days on Market
57
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$43
Insurance / Mo
$23
Property Description
Welcome to 7138 Apple Street, a charming brick rowhome offering great opportunity for Owner Occupants and Investors alike. This two-bed, one-bath home features a spacious main level with brand new flooring throughout and space perfect for entertaining or everyday living. The layout flows easily into the dining space and kitchen; which is fully equipped with Refrigerator, Dishwasher, Stove, and Microwave all included in the sale. Upstairs, you'll find two well-sized bedrooms and a full bath with plenty of natural light. The home also includes a large basement, with washer & dryer included, ideal for storage, hobbies, or future expansion potential. With its solid brick construction, updated interior touches, and practical layout, this property is a great fit for a first-time buyer, downsizer, or investor seeking a low-maintenance addition to their portfolio. Close proximty and accessible to Downtown Pittsburgh, bus routes, and local amenities!
Utility Allowances
air_conditioning
$11
Selected based on the 2-bedroom value for a single-family detached home. Assumed tenant provides window units as central AC is not mentioned.
cooking
$6
Selected 'natural_gas' option for a 2-bedroom unit as property info mentions a 'Gas Stove' is included.
heating
$74
Selected 'natural_gas' option for a 2-bedroom unit as property info specifies 'Gas' heating.
other_electric
$59
Selected based on the 2-bedroom value for a single-family detached home, covering general electric use for lighting and other tenant-owned appliances.
sewer
$99
Selected based on the 2-bedroom value. Property info confirms connection to 'Public Sewer'.
water
$66
Selected based on the 2-bedroom value. Property info confirms connection to 'Public' water source.
water_heating
$18
Selected 'natural_gas' option for a 2-bedroom unit. Fuel type was inferred from the presence of other gas appliances (heating, stove).
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$189
DP3 Annual Estimate$369
DP1 Monthly Equivalent$16
DP3 Monthly Equivalent$31
Replacement Value$18,300
Basis980 sqft / 1910
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7235 Upland St
for_sale · 0.12 mi
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2 bd / 1 ba · 1,180 sqft
Latest sale: $25,000 on Jul 03, 1996
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7107 Mount Vernon St
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Latest sale: $45,000 on Dec 10, 2025
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7221 Mount Vernon St
sold · 0.12 mi
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7232 Upland St Unit 3
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7123 Kedron St
off_market · 0.12 mi
Price: $1,850
4 bd / 1 ba · 1,956 sqft
Latest sale: $31,500 on Aug 05, 2025
Latest rent: $2,000 on Nov 25, 2025
Photo unavailable
7113 Tilden St
for_sale · 0.12 mi
Price: $39,900
2 bd / 1 ba
Latest sale: —
Latest rent: —
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7163 Tilden St
for_sale · 0.12 mi
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Latest rent: —
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7109 Tilden St
sold · 0.13 mi
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2 bd / 1 ba
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Photo unavailable
7227 Mount Vernon St
sold · 0.13 mi
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6 bd / 2 ba · 2,141 sqft
Latest sale: $160,000 on Jan 31, 2025
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Photo unavailable
7239 Mount Vernon St
off_market · 0.15 mi
Price: $1,000
— bd / — ba
Latest sale: $1,000 on Dec 31, 2025
Latest rent: —
Photo unavailable
7245 Kedron St
for_sale · 0.17 mi
Price: $29,000
2 bd / 1 ba · 1,292 sqft
Latest sale: $6,000 on Jul 15, 2011
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors / carbon monoxide alarms in photos (NSPIRE requires alarms in/near sleeping areas).
- Ceiling patching/stains in multiple rooms — indicates past or potential ongoing roof/plumbing leaks that require verification and repair.
- Key mechanicals not shown (electrical panel, water heater, furnace) — condition unknown and must be verified before inspection acceptance.
Assumptions
- Appliances listed in MLS (refrigerator, stove, dishwasher, microwave) are present and functional as shown in photos.
- Floor registers visible indicate a central heating system (furnace) is present in the home even though a window/portable unit is pictured.
- Washer and dryer listed as included are present in the basement and hookups are functional.
- No smoke detectors or CO alarms were visible in the supplied photos; none were assumed installed unless otherwise confirmed.
- Electrical panel, furnace, water heater and GFCI outlet protection were not photographed; their condition is unknown and assumed typical for a 1910 brick rowhome with recent cosmetic updates.
- Ceiling patching photos represent prior water intrusion; active leaking is possible but not confirmed from images alone.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $497 | $20,100 | $20,100 |
| 2024 | $463 | $20,100 | $20,100 |
| 2023 | $463 | $20,100 | $20,100 |
| 2022 | $457 | $20,100 | $20,100 |
| 2021 | $457 | $20,100 | $20,100 |
| 2020 | $454 | $20,100 | $20,100 |
| 2019 | $871 | $38,500 | $38,500 |
| 2018 | $871 | $38,500 | $38,500 |
| 2017 | $871 | $38,500 | $38,500 |
| 2016 | $880 | $38,500 | $38,500 |
| 2015 | $880 | $38,500 | $38,500 |
| 2014 | $844 | $38,500 | $38,500 |
| 2013 | $1,009 | $38,500 | $38,500 |
| 2012 | $659 | $21,700 | $21,700 |
| 2011 | $638 | $21,700 | $21,700 |
| 2010 | $638 | $21,700 | $21,700 |
| 2009 | $638 | $21,700 | $21,700 |
| 2008 | $638 | $21,700 | $21,700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-01-17 | Sold | $23,000 |
| 2009-02-09 | Sold | $48,000 |
Photo Gallery
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"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1739373",
"price_change_percentage": null
},
{
"date": "2018-01-12",
"price": 23000,
"listing": {
"status": "off_market",
"list_date": "2017-04-06T07:00:00Z",
"list_price": 23000,
"listing_id": "598142853",
"last_update_date": "2017-06-14T01:02:56Z",
"last_status_change_date": "2017-06-13T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1271789",
"price_change_percentage": null
},
{
"date": "2017-05-09",
"price": 23000,
"listing": {
"status": "off_market",
"list_date": "2017-04-06T07:00:00Z",
"list_price": 23000,
"listing_id": "598142853",
"last_update_date": "2017-06-14T01:02:56Z",
"last_status_change_date": "2017-06-13T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": -15500,
"days_after_listed": null,
"source_listing_id": "1271789",
"price_change_percentage": null
},
{
"date": "2017-04-06",
"price": 38500,
"listing": {
"status": "off_market",
"list_date": "2017-04-06T07:00:00Z",
"list_price": 23000,
"listing_id": "598142853",
"last_update_date": "2017-06-14T01:02:56Z",
"last_status_change_date": "2017-06-13T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1271789",
"price_change_percentage": null
},
{
"date": "2017-04-06",
"price": 38500,
"listing": {
"status": "off_market",
"list_date": "2016-12-15T07:00:00Z",
"list_price": 38500,
"listing_id": "595688553",
"last_update_date": "2017-04-06T18:38:00Z",
"last_status_change_date": "2017-04-06T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": "0 days",
"source_listing_id": "1256394",
"price_change_percentage": null
},
{
"date": "2016-12-16",
"price": 38500,
"listing": {
"status": "off_market",
"list_date": "2016-12-15T07:00:00Z",
"list_price": 38500,
"listing_id": "595688553",
"last_update_date": "2017-04-06T18:38:00Z",
"last_status_change_date": "2017-04-06T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1256394",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "4500206462",
"generated_at": "2026-02-24T23:33:09.803147Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.7
},
"utility_allowance": {
"zip_code": "15206",
"home_photo": "https://ap.rdcpix.com/2f3254c1b038ee325a63d617504f4a8el-m2472226902s-w1280.jpg",
"rent_price": 1976.0,
"loan_amount": 68000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/7138-Apple-St_Pittsburgh_PA_15206_M45002-06462",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 85000.0,
"loan_term_years": 30,
"annual_cash_flow": 20549.89,
"mortgage_monthly": 452.41,
"payment_standard": 2309.0,
"total_amount_out": 17000.0,
"additional_photos": [
"https://ap.rdcpix.com/2f3254c1b038ee325a63d617504f4a8el-m981977888s-w1280.jpg",
"https://ap.rdcpix.com/2f3254c1b038ee325a63d617504f4a8el-m1050246147s-w1280.jpg",
"https://ap.rdcpix.com/2f3254c1b038ee325a63d617504f4a8el-m2202511768s-w1280.jpg",
"https://ap.rdcpix.com/2f3254c1b038ee325a63d617504f4a8el-m3783243070s-w1280.jpg",
"https://ap.rdcpix.com/2f3254c1b038ee325a63d617504f4a8el-m3831805536s-w1280.jpg",
"https://ap.rdcpix.com/2f3254c1b038ee325a63d617504f4a8el-m3452880656s-w1280.jpg",
"https://ap.rdcpix.com/2f3254c1b038ee325a63d617504f4a8el-m621248875s-w1280.jpg",
"https://ap.rdcpix.com/2f3254c1b038ee325a63d617504f4a8el-m1720405761s-w1280.jpg",
"https://ap.rdcpix.com/2f3254c1b038ee325a63d617504f4a8el-m1593076950s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 23.25,
"monthly_cash_flow": 1712.49,
"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 based on the 2-bedroom value for a single-family detached home. Assumed tenant provides window units as central AC is not mentioned.",
"utility": "air_conditioning",
"allowance": 11
},
{
"note": "Selected 'natural_gas' option for a 2-bedroom unit as property info mentions a 'Gas Stove' is included.",
"utility": "cooking",
"allowance": 6
},
{
"note": "Selected 'natural_gas' option for a 2-bedroom unit as property info specifies 'Gas' heating.",
"utility": "heating",
"allowance": 74
},
{
"note": "Selected based on the 2-bedroom value for a single-family detached home, covering general electric use for lighting and other tenant-owned appliances.",
"utility": "other_electric",
"allowance": 59
},
{
"note": "Selected based on the 2-bedroom value. Property info confirms connection to 'Public Sewer'.",
"utility": "sewer",
"allowance": 99
},
{
"note": "Selected based on the 2-bedroom value. Property info confirms connection to 'Public' water source.",
"utility": "water",
"allowance": 66
},
{
"note": "Selected 'natural_gas' option for a 2-bedroom unit. Fuel type was inferred from the presence of other gas appliances (heating, stove).",
"utility": "water_heating",
"allowance": 18
}
],
"cash_on_cash_return": 1.21,
"down_payment_amount": 17000.0,
"property_tax_annual": 511.91,
"property_tax_monthly": 42.66,
"property_tax_increase": 0.03,
"utility_allowance_total": 333.0,
"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": 15121.02,
"property_management_monthly": 197.6,
"monthly_cash_flow_after_debt": 1260.09,
"cash_on_cash_return_after_debt": 0.89
},
"section8_assessment": {
"runs": [
{
"summary": "This 2-bed brick rowhome appears mostly cosmetically updated and close to rent-ready but has some inspection risks to address before an initial HCV/NSPIRE inspection. Strengths: new-looking flooring, included kitchen appliances, intact stairs/handrail, solid brick exterior. Primary issues: no visible smoke/CO detectors in photos (likely required), ceiling patching suggesting prior leaks that must be verified and repaired if active, and unknown condition of electrical panel, furnace and water heater (not photographed). With straightforward corrections (install detectors, confirm/repair leak source, verify mechanicals and GFCI protection) the property should be rentable within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent-looking vinyl plank flooring throughout, freshly painted walls and trim, and included kitchen appliances (stove, fridge, dishwasher, microwave) per listing. Visible cosmetic defects are limited to ceiling patching/uneven texture in multiple rooms, scuffed baseboards and some worn window trim. No exposed subfloor or large holes observed. Missing or loose outlet covers not clearly visible but no major finish failures seen. Overall condition appears largely cosmetic with a few moderate interior repairs needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in the provided photos (NSPIRE requires smoke detectors in sleeping areas and outside bedrooms). Stair has a handrail and balusters present. No exposed wiring or obvious electrical hazards are visible. Ceiling patching suggests past water intrusion; active leak not confirmed but represents a risk to safety if still active. Kitchen sink area shown but GFCI outlet presence is not visible (kitchen GFCI protection unknown). Egress windows appear present in upstairs rooms (windows visible) but bedroom photos not shown to confirm dimensions. Entry door looks secure but deadbolt not visible. Given absence of visible detectors and the ceiling patch evidence, safety/code risk is moderate and would likely require correction prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "Visible floor registers indicate a central forced-air heating distribution (or similar ductwork) even though a portable/window unit is present in photos. Washer/dryer are reported included in the basement (listing text) which suggests plumbing and laundry hookups are functional. Kitchen appliances (gas range indicated by burners) are present. Electrical panel and water heater are not shown, so their condition is unknown. Roof condition at the front porch shows wear but no active collapse; ceiling patches inside point to prior leak(s) that should be verified. Overall system operability is likely but several key components (panel, water heater, furnace) need verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick rowhome exterior appears structurally sound with no visible foundation crack or sagging. Front porch roof shows age/ wear but no visible collapse. Front yard and planting beds are overgrown and the small iron fence/landscaping is untidy. Walkway and steps appear intact from photos. No evidence of standing water, significant erosion, or infestation visible in provided images. Minor exterior maintenance (porch roof flashings, yard cleanup, fence straightening) recommended."
}
],
"red_flags": [
"No visible smoke detectors / carbon monoxide alarms in photos (NSPIRE requires alarms in/near sleeping areas).",
"Ceiling patching/stains in multiple rooms — indicates past or potential ongoing roof/plumbing leaks that require verification and repair.",
"Key mechanicals not shown (electrical panel, water heater, furnace) — condition unknown and must be verified before inspection acceptance."
],
"confidence": 0.6,
"assumptions": [
"Appliances listed in MLS (refrigerator, stove, dishwasher, microwave) are present and functional as shown in photos.",
"Floor registers visible indicate a central heating system (furnace) is present in the home even though a window/portable unit is pictured.",
"Washer and dryer listed as included are present in the basement and hookups are functional.",
"No smoke detectors or CO alarms were visible in the supplied photos; none were assumed installed unless otherwise confirmed.",
"Electrical panel, furnace, water heater and GFCI outlet protection were not photographed; their condition is unknown and assumed typical for a 1910 brick rowhome with recent cosmetic updates.",
"Ceiling patching photos represent prior water intrusion; active leaking is possible but not confirmed from images alone."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 2-bed/1-bath brick rowhome shows mostly cosmetic updates and included appliances and is likely to be rentable with a short readiness timeline. Major unknowns are system verification (heating, hot water, electrical panel) and required safety devices (smoke/CO detectors, kitchen/bath GFCI). Ceiling patching suggests prior water intrusion that should be inspected. If detectors are installed, GFCIs confirmed, and mechanical systems are serviced/verified, the property is likely to pass an initial HCV/NSPIRE inspection after minor repairs (1–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 72.0,
"rationale": "Interior appears recently updated with new vinyl plank flooring, fresh paint, functioning doors/windows and included kitchen appliances per listing. Visible ceiling patches and uneven finishes in multiple living-room photos indicate recent repairs or unfinished patching that will need attention (cosmetic/finish work). Small items visible (a portable/window unit on the floor, some scuffed trim) are easy/low-cost to fix. No signs of collapsed surfaces, exposed subfloor, or large-area deterioration in photos. Overall property condition is mostly cosmetic with a few finish repairs required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the supplied photos (a common photo-omission but is a required item). Stairs have a handrail/guard present. No exposed high-voltage wiring is apparent inside; floor vents indicate a central distribution but the furnace/boiler and electrical panel were not shown. Ceiling patching could indicate prior water intrusion and should be verified for active leaks or mold. Bedroom egress windows are not shown; bedroom photos absent so egress compliance cannot be confirmed. GFCI locations in kitchen/bath not visible. These unknowns create moderate inspection risk that can be resolved with simple installs/repairs (detectors, GFCI) but will fail an initial inspection if not addressed prior to NSPIRE review."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 55.0,
"rationale": "Photos show floor supply vents suggesting central heating/forced air, and the listing claims inclusion of washer/dryer; however no furnace/boiler, water heater, hot water availability, or electrical panel are pictured. Porch/flat roof area shows some wear; the main roof is not photographed. Because key systems are not evidenced, there is a moderate systems risk: likely functional given the updated interior and included appliances, but verification (furnace service, water heater, electrical panel condition, roof inspection) is required. If any of those systems are nonfunctional or near failure it would be an inspection-failing issue."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Solid brick rowhome facade appears intact with a covered front porch and brick columns. Front porch roof surface shows wear and likely needs minor maintenance; landscaping is overgrown and the front walk could use cleanup but no severe settlement, large foundation cracks or collapsed elements are visible. No evidence of standing water or active exterior structural failure in provided exterior photo. Yard and walkway cleanup and porch roof maintenance are recommended but are typically straightforward."
}
],
"red_flags": [
"Visible ceiling patching in living room — possible prior water intrusion that needs verification for active leaks or mold.",
"No smoke detectors or CO alarms visible in supplied photos — a common cause for immediate inspection failure if not present/working.",
"No photos of furnace/boiler, water heater or electrical panel — mechanical/electrical condition unknown and could be an inspection fail if nonfunctional.",
"Porch/flat roof area shows wear — potential roof maintenance required.",
"Property built in 1910 (pre-1978) — potential lead-based paint risk that requires proper disclosure and mitigation for eligible tenants."
],
"confidence": 0.6,
"assumptions": [
"Listing is accurate: refrigerator, dishwasher, stove, microwave, washer and dryer are included and operational as stated.",
"Floor registers indicate a functioning central heating system; no evidence was provided of an inoperable heating source.",
"No active roof leaks are present despite visible ceiling patching; patches are from prior, repaired events rather than active leakage.",
"Bedrooms have code-compliant egress windows (not pictured) typical for a 2-bed rowhome, but this must be confirmed.",
"Electrical panel and major appliances meet safety standards but were not photographed and should be verified prior to inspection.",
"Property was staged for marketing; absence of visible smoke/CO detectors in photos is an omission rather than proof they are absent, but must be confirmed."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This brick rowhome is largely cosmetically updated (new flooring, painted rooms, included kitchen appliances, basement W/D) and is likely to pass a Section 8 initial inspection after a short punch-list. Key items to address before inspection: install/verify smoke detectors and CO alarms in required locations, confirm/replace GFCI protection in kitchen/bath, repair and re-finish the ceiling area where patching/water staining is visible and confirm no active leaks, and verify operation and code compliance of heating, hot water, and electrical systems (panel not shown). Exterior cleanup (yard, porch) and small repairs will improve curb compliance. With these fixes completed the property should be rent-ready within 1-4 weeks; if mechanicals or active leaks are discovered the timeline may extend.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Interior appears recently refreshed: new vinyl plank flooring throughout, painted walls, trim intact and clean. Kitchen and major appliances (range, refrigerator, dishwasher, microwave) are present per listing and photos which reduces turnover scope. Visible issues are limited to ceiling surface damage/patching in the main living area (several photos show uneven/repai red drywall or previous water staining) and minor scuffs to trim and baseboards. Porch and front yard are overgrown and need cosmetic cleanup. No exposed subflooring, collapsed ceilings, or broken stairs observed. Missing cosmetic and minor systems items (see safety) would be easy/fast to fix."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos (required). Floor registers are present and stairs have a handrail. Windows in bedrooms and living areas appear to provide egress, but on-site verification of window opening clearances needed. Kitchen sink area does not show a visible GFCI-protected receptacle near the sink (likely older non-GFCI outlets). Electrical covers are present on visible outlets; no exposed live wiring seen, but electrical panel and circuit condition were not photographed. Ceiling patching could indicate past or ongoing water intrusion — potential safety/code risk if leaks are active. Entry door appears solid but no deadbolt is visible in photos. Overall a moderate code risk due to missing/uncertain alarms and potential prior water issues."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Major appliances (stove, fridge, dishwasher, microwave) and basement washer/dryer are included per listing/photos which is positive. Floor vents visible indicate a central heating/forced-air distribution but no furnace, boiler, or water heater was photographed to confirm condition or age. No HVAC condensers or external mechanicals were photographed. Roof condition is not fully visible; the small flat porch roof shows wear but brick exterior appears sound. Because critical mechanical components (furnace, water heater, electrical panel) are not shown and ceiling patching suggests prior water intrusion, mechanical risk is moderate — will require verification that heating, hot water, and electrical systems are operational and up to code."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Solid brick rowhome with intact masonry visible from the front. Porch appears structurally intact; front steps and low wall look stable though cosmetic mortar/paint wear is present. Yard and planting beds are overgrown and need cleanup to meet curb standards. No visible standing water, major foundation cracks, or collapsed exterior elements in the provided exterior photo. Neighboring building proximity typical for a rowhome. Overall the exterior is serviceable but needs light maintenance/cleanup."
}
],
"red_flags": [
"Ceiling surface damage/patching in main living area — possible prior or ongoing water intrusion that must be confirmed and repaired.",
"No visible smoke detectors or carbon monoxide alarms in the photos — deficiency will fail inspection if not installed and working.",
"No mechanical equipment (furnace/boiler or water heater) photographed — must verify presence and operation before inspection.",
"No visible GFCI protection at kitchen sink area in photos — likely requires GFCI receptacle installation to meet safety code."
],
"confidence": 0.65,
"assumptions": [
"Central heating is present (floor vents visible) but the furnace/boiler and water heater function and compliance were not photographed and must be verified.",
"Kitchen appliances shown in photos and advertised (stove, refrigerator, dishwasher, microwave) are included and operational or will be repaired prior to tenancy.",
"No active roof leak is present now; ceiling patches are from a prior issue. If active leaks exist, repair scope increases.",
"Smoke detectors and CO alarms are not installed or not visible in photos; assume they are missing and will need installed to meet NSPIRE requirements.",
"Electrical panel and grounding are intact but were not shown; assume no visible exposed wiring inside living spaces beyond typical cords.",
"Basement is dry and not showing signs of severe mold or standing water (not visible in provided photos)."
],
"overall_score": 69.0,
"rubric_version": "2026-02-24-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "7138 Apple St, Pittsburgh, PA, 15206",
"aggregate": {
"summary": "This 2-bed brick rowhome appears mostly cosmetically updated and close to rent-ready but has some inspection risks to address before an initial HCV/NSPIRE inspection. Strengths: new-looking flooring, included kitchen appliances, intact stairs/handrail, solid brick exterior. Primary issues: no visible smoke/CO detectors in photos (likely required), ceiling patching suggesting prior leaks that must be verified and repaired if active, and unknown condition of electrical panel, furnace and water heater (not photographed). With straightforward corrections (install detectors, confirm/repair leak source, verify mechanicals and GFCI protection) the property should be rentable within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent-looking vinyl plank flooring throughout, freshly painted walls and trim, and included kitchen appliances (stove, fridge, dishwasher, microwave) per listing. Visible cosmetic defects are limited to ceiling patching/uneven texture in multiple rooms, scuffed baseboards and some worn window trim. No exposed subfloor or large holes observed. Missing or loose outlet covers not clearly visible but no major finish failures seen. Overall condition appears largely cosmetic with a few moderate interior repairs needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick rowhome exterior appears structurally sound with no visible foundation crack or sagging. Front porch roof shows age/ wear but no visible collapse. Front yard and planting beds are overgrown and the small iron fence/landscaping is untidy. Walkway and steps appear intact from photos. No evidence of standing water, significant erosion, or infestation visible in provided images. Minor exterior maintenance (porch roof flashings, yard cleanup, fence straightening) recommended."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in the provided photos (NSPIRE requires smoke detectors in sleeping areas and outside bedrooms). Stair has a handrail and balusters present. No exposed wiring or obvious electrical hazards are visible. Ceiling patching suggests past water intrusion; active leak not confirmed but represents a risk to safety if still active. Kitchen sink area shown but GFCI outlet presence is not visible (kitchen GFCI protection unknown). Egress windows appear present in upstairs rooms (windows visible) but bedroom photos not shown to confirm dimensions. Entry door looks secure but deadbolt not visible. Given absence of visible detectors and the ceiling patch evidence, safety/code risk is moderate and would likely require correction prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Visible floor registers indicate a central forced-air heating distribution (or similar ductwork) even though a portable/window unit is present in photos. Washer/dryer are reported included in the basement (listing text) which suggests plumbing and laundry hookups are functional. Kitchen appliances (gas range indicated by burners) are present. Electrical panel and water heater are not shown, so their condition is unknown. Roof condition at the front porch shows wear but no active collapse; ceiling patches inside point to prior leak(s) that should be verified. Overall system operability is likely but several key components (panel, water heater, furnace) need verification."
}
],
"red_flags": [
"No visible smoke detectors / carbon monoxide alarms in photos (NSPIRE requires alarms in/near sleeping areas).",
"Ceiling patching/stains in multiple rooms — indicates past or potential ongoing roof/plumbing leaks that require verification and repair.",
"Key mechanicals not shown (electrical panel, water heater, furnace) — condition unknown and must be verified before inspection acceptance."
],
"confidence": 0.9,
"assumptions": [
"Appliances listed in MLS (refrigerator, stove, dishwasher, microwave) are present and functional as shown in photos.",
"Floor registers visible indicate a central heating system (furnace) is present in the home even though a window/portable unit is pictured.",
"Washer and dryer listed as included are present in the basement and hookups are functional.",
"No smoke detectors or CO alarms were visible in the supplied photos; none were assumed installed unless otherwise confirmed.",
"Electrical panel, furnace, water heater and GFCI outlet protection were not photographed; their condition is unknown and assumed typical for a 1910 brick rowhome with recent cosmetic updates.",
"Ceiling patching photos represent prior water intrusion; active leaking is possible but not confirmed from images alone."
],
"score_method": "mean_of_criteria",
"overall_score": 66.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4500206462"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.