Property ID: 4533108468
1100 Tyndall St, Pittsburgh, PA, 15204
Pittsburgh, PA
Money Down: $42,000
CoC Return: 33.37%
Monthly Cash Flow: $1,168
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,000
Closing Costs
$7,000
Total Down
$42,000
Investment Snapshot
Purchase Price
$175,000
Money Down
$42,000
Cash-on-Cash Return
33.37%
Rent
$2,544
Monthly Cash Flow
$1,168
Annual Cash Flow
$14,017
Debt Service / Mo
$931
Property Tax / Mo
$149
Insurance / Mo
$42
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,544
Payment Standard
$3,179
Rent
$2,544
Insurance
$42
Property Tax
$149
Management
$254
Utilities Allowance
$635
NOI (Monthly)
$2,099
Debt Service
$931
Cash Flow After Debt
$1,168
Quality Score: 63.30%
Confidence: 86.00%
Overall the duplex appears broadly rent-ready with mostly cosmetic work and code-item installs required. The roof and exterior brickwork look solid and heating/cooling is present via mini-splits. Primary risks that could prevent an initial HCV/NSPIRE pass are likely missing or unverified life-safety items (smoke/CO detectors, kitchen GFCI), lead-paint considerations (1920 build), and unverified hot-water and electrical panel condition. With targeted remediation — install/verify smoke & CO detectors, install GFCI where required, remediate porch/railing defects, clean/replace carpets and address minor kitchen repairs — the property should be able to pass within 2–4 weeks.
Section 8 Payment Standard
$3,179
Utility Allowance Total
$635
Guaranteed Section 8 Rent (PS - Utilities)
$2,544
Property Management
$254
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$175,000
Beds
4
Baths
2.5
Living Area
2,322 sqft
Lot Size
19,998 sqft
Year Built
1920
Days on Market
174
Capital Outlay
$42,000
Debt Service
$931
Property Tax / Mo
$149
Insurance / Mo
$42
Property Description
A spacious duplex sits on a large lot with a practical layout with private entrances for each unit. The ground floor is a one-bedroom apartment with soaring ceilings, a generous living area, a full kitchen, and a bathroom. The second unit spans the upper two levels, offering three bedrooms, a full kitchen, bathroom, a bright living room, and an additional room perfect for a home office or reading nook. A showstopper expansive wraparound porch that stretches across the front and sides of the first floor-ideal for relaxing outdoors or hosting friends and family. The large yard is large but very manageable. Perfect for the owner occupant or investors buyer.
Utility Allowances
Heating
$90
Selected 'natural_gas' as the property details explicitly state 'Heating Features: Gas'.
Cooking
$18
Cooking fuel is not specified. The more expensive 'electric' option was chosen per instructions for ambiguity. Photos also suggest an electric stove.
Water Heating
$45
Water heating fuel is not specified. The more expensive 'electric' option was chosen per instructions for ambiguity.
Water
$136
Selected based on the '4br' column for a property with public water, as stated in the listing details.
Sewer
$194
Selected based on the '4br' column for a property with public sewer, as stated in the listing details.
Air Conditioning
$23
Property photos show window AC units, which are typically tenant-provided. Central AC is not mentioned.
Other Electric
$92
Standard allowance for general electricity usage (e.g., lighting, outlets) for a 4-bedroom unit.
Refrigerator
$19
Assumed to be tenant-provided as it was not explicitly listed as an included appliance in the property details, per instructions.
Range/Microwave
$18
Assumed to be tenant-provided as a microwave was not explicitly listed as an included appliance in the property details, per instructions.
Trash Collection
$0
The utility schedule has no allowance value for trash collection, implying it is not a tenant-paid utility in this jurisdiction.
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$325
DP3 Annual Estimate$672
DP1 Monthly Equivalent$27
DP3 Monthly Equivalent$56
Replacement Value$54,600
Basis2,322 sqft / 1920
Nearby Houses
Photo unavailable
1123 Newcomer St
sold · 0.03 mi
Price: $42,000
5 bd / 1 ba · 2,138 sqft
Latest sale: $42,000 on Jan 18, 2024
Latest rent: —
Photo unavailable
1122 Tyndall St
sold · 0.04 mi
Price: $155,000
2 bd / 1 ba · 1,400 sqft
Latest sale: $155,000 on Jul 21, 2025
Latest rent: —
Photo unavailable
1129 Newcomer St
for_sale · 0.04 mi
Price: $79,000
5 bd / 2 ba · 2,680 sqft
Latest sale: $57,000 on Jan 31, 2024
Latest rent: —
Photo unavailable
1119 Emporia St
sold · 0.05 mi
Price: $190,000
3 bd / 2 ba · 1,900 sqft
Latest sale: $190,000 on May 03, 2024
Latest rent: —
Photo unavailable
3061 Chartiers Ave
for_sale · 0.08 mi
Price: $20,000
3 bd / 1 ba · 1,986 sqft
Latest sale: $5,000 on Feb 10, 2012
Latest rent: —
Photo unavailable
1115 Adon St
sold · 0.08 mi
Price: $149,000
3 bd / 1 ba · 1,310 sqft
Latest sale: $149,000 on May 02, 2024
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 or carbon monoxide detectors in interior photos (NSPIRE immediate fail if absent).
- No visible GFCI protection in the kitchen (potential NSPIRE fail for electrical safety).
- Lead-based paint risk due to 1920 construction — requires disclosure/abatement or risk mitigation for tenancy with children.
- Water heater and electrical panel not shown/verified — unknowns that could create inspection failures if defective.
- Porch railing/baluster spacing and paint deterioration may present fall/lead hazards and require repair.
Assumptions
- No smoke detectors, carbon monoxide detectors, or kitchen/bathroom GFCI outlets are present because none are visible in the photos.
- Mini-split units shown provide heating and cooling for the pictured units and are operational.
- A functional water heater and electrical panel exist in the unit but were not photographed; their condition is unknown.
- Bedroom window egress is adequate but cannot be confirmed from the photos; main living windows are large.
- Porch structural members are serviceable; visible deterioration is limited to paint and minor wood wear rather than structural failure.
- Appliances shown (stove, refrigerator) are present and functional or can be made functional with minor service.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,731 | $70,000 | $70,000 |
| 2024 | $1,612 | $70,000 | $70,000 |
| 2023 | $1,612 | $70,000 | $70,000 |
| 2022 | $1,591 | $70,000 | $70,000 |
| 2021 | $1,591 | $70,000 | $70,000 |
| 2020 | $1,584 | $70,000 | $70,000 |
| 2019 | $1,584 | $70,000 | $70,000 |
| 2018 | $1,584 | $70,000 | $70,000 |
| 2017 | $1,584 | $70,000 | $70,000 |
| 2016 | $1,601 | $70,000 | $70,000 |
| 2015 | $1,601 | $70,000 | $70,000 |
| 2014 | $1,535 | $70,000 | $70,000 |
| 2013 | $1,834 | $70,000 | $70,000 |
| 2012 | $2,107 | $69,300 | $69,300 |
| 2011 | $2,038 | $69,300 | $69,300 |
| 2010 | $2,038 | $69,300 | $69,300 |
| 2009 | $2,038 | $69,300 | $69,300 |
| 2008 | $2,038 | $69,300 | $69,300 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-07-05 | Sold | $148,000 |
| 2014-07-17 | Sold | $54,250 |
| 1996-10-30 | Sold | $61,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2015-07-07 | Listed for rent | $1,100 | — |
Photo Gallery
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"list_price": 61000,
"listing_id": "566708581",
"last_update_date": "2014-08-07T22:20:23Z",
"last_status_change_date": "2014-07-17T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": -6750,
"days_after_listed": "113 days",
"source_listing_id": "1000385",
"price_change_percentage": "-27.67%"
},
{
"date": "2014-05-15",
"price": 61000,
"listing": {
"status": "off_market",
"list_date": "2014-03-26T07:00:00Z",
"list_price": 61000,
"listing_id": "566708581",
"last_update_date": "2014-08-07T22:20:23Z",
"last_status_change_date": "2014-07-17T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": -14000,
"days_after_listed": null,
"source_listing_id": "1000385",
"price_change_percentage": null
},
{
"date": "2014-03-26",
"price": 71000,
"listing": {
"status": "off_market",
"list_date": "2013-12-27T07:00:00Z",
"list_price": 71000,
"listing_id": "564981113",
"last_update_date": "2014-03-26T22:46:43Z",
"last_status_change_date": "2014-03-26T22:46:43Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": "89 days",
"source_listing_id": "990868",
"price_change_percentage": null
},
{
"date": "2014-03-26",
"price": 75000,
"listing": {
"status": "off_market",
"list_date": "2014-03-26T07:00:00Z",
"list_price": 61000,
"listing_id": "566708581",
"last_update_date": "2014-08-07T22:20:23Z",
"last_status_change_date": "2014-07-17T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1000385",
"price_change_percentage": null
},
{
"date": "2013-12-30",
"price": 71000,
"listing": {
"status": "off_market",
"list_date": "2013-12-27T07:00:00Z",
"list_price": 71000,
"listing_id": "564981113",
"last_update_date": "2014-03-26T22:46:43Z",
"last_status_change_date": "2014-03-26T22:46:43Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 5000,
"days_after_listed": null,
"source_listing_id": "990868",
"price_change_percentage": null
},
{
"date": "2013-12-27",
"price": 66000,
"listing": {
"status": "off_market",
"list_date": "2013-12-27T07:00:00Z",
"list_price": 71000,
"listing_id": "564981113",
"last_update_date": "2014-03-26T22:46:43Z",
"last_status_change_date": "2014-03-26T22:46:43Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "990868",
"price_change_percentage": null
},
{
"date": "2013-12-13",
"price": 66000,
"listing": {
"status": "off_market",
"list_date": "2012-12-12T07:00:00Z",
"list_price": 66000,
"listing_id": "548762333",
"last_update_date": "2013-12-13T12:20:46Z",
"last_status_change_date": "2013-12-13T12:20:46Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": "366 days",
"source_listing_id": "943051",
"price_change_percentage": null
},
{
"date": "2013-06-11",
"price": 66000,
"listing": {
"status": "off_market",
"list_date": "2012-12-12T07:00:00Z",
"list_price": 66000,
"listing_id": "548762333",
"last_update_date": "2013-12-13T12:20:46Z",
"last_status_change_date": "2013-12-13T12:20:46Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "943051",
"price_change_percentage": null
},
{
"date": "2012-12-12",
"price": 71000,
"listing": {
"status": "off_market",
"list_date": "2012-12-12T07:00:00Z",
"list_price": 66000,
"listing_id": "548762333",
"last_update_date": "2013-12-13T12:20:46Z",
"last_status_change_date": "2013-12-13T12:20:46Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "943051",
"price_change_percentage": null
},
{
"date": "2012-04-26",
"price": 79999,
"listing": {
"status": "off_market",
"list_date": "2011-04-27T07:00:00Z",
"list_price": 79999,
"listing_id": "523154585",
"last_update_date": "2012-05-24T20:17:00Z",
"last_status_change_date": "2012-04-27T04:37:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": "363 days",
"source_listing_id": "868161",
"price_change_percentage": null
},
{
"date": "2011-04-29",
"price": 79999,
"listing": {
"status": "off_market",
"list_date": "2011-04-27T07:00:00Z",
"list_price": 79999,
"listing_id": "523154585",
"last_update_date": "2012-05-24T20:17:00Z",
"last_status_change_date": "2012-04-27T04:37:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "868161",
"price_change_percentage": null
},
{
"date": "2008-08-27",
"price": 77000,
"listing": {
"status": "off_market",
"list_date": "2007-12-31T07:00:00Z",
"list_price": 77000,
"listing_id": "503767477",
"last_update_date": "2009-04-04T20:55:00Z",
"last_status_change_date": "2008-08-27T20:25:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": "240 days",
"source_listing_id": "707160",
"price_change_percentage": null
},
{
"date": "2007-12-31",
"price": 77000,
"listing": {
"status": "off_market",
"list_date": "2007-12-31T07:00:00Z",
"list_price": 77000,
"listing_id": "503767477",
"last_update_date": "2009-04-04T20:55:00Z",
"last_status_change_date": "2008-08-27T20:25:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "707160",
"price_change_percentage": "+26.23%"
},
{
"date": "1996-10-30",
"price": 61000,
"listing": null,
"event_name": "Sold",
"price_sqft": 26.270456503014643,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "4533108468",
"generated_at": "2026-02-24T23:26:47.601128Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 63.3
},
"utility_allowance": {
"zip_code": "15204",
"home_photo": "https://ap.rdcpix.com/c9902acfcf3030c9fc51363a1d76a38al-b4221418480s-w1280.jpg",
"rent_price": 2544.0,
"loan_amount": 140000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1100-Tyndall-St_Pittsburgh_PA_15204_M45331-08468",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 175000.0,
"loan_term_years": 30,
"annual_cash_flow": 25193.77,
"mortgage_monthly": 931.42,
"payment_standard": 3179.0,
"total_amount_out": 35000.0,
"additional_photos": [
"https://ap.rdcpix.com/c9902acfcf3030c9fc51363a1d76a38al-b3719159613s-w1280.jpg",
"https://ap.rdcpix.com/c9902acfcf3030c9fc51363a1d76a38al-b4197014637s-w1280.jpg",
"https://ap.rdcpix.com/c9902acfcf3030c9fc51363a1d76a38al-b3593931149s-w1280.jpg",
"https://ap.rdcpix.com/c9902acfcf3030c9fc51363a1d76a38al-b2576629638s-w1280.jpg",
"https://ap.rdcpix.com/c9902acfcf3030c9fc51363a1d76a38al-b2737326649s-w1280.jpg",
"https://ap.rdcpix.com/c9902acfcf3030c9fc51363a1d76a38al-b3957029345s-w1280.jpg",
"https://ap.rdcpix.com/c9902acfcf3030c9fc51363a1d76a38al-b815244110s-w1280.jpg",
"https://ap.rdcpix.com/c9902acfcf3030c9fc51363a1d76a38al-b1610578520s-w1280.jpg",
"https://ap.rdcpix.com/c9902acfcf3030c9fc51363a1d76a38al-b2472843076s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 41.54,
"monthly_cash_flow": 2099.48,
"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' as the property details explicitly state 'Heating Features: Gas'.",
"utility": "Heating",
"allowance": 90
},
{
"note": "Cooking fuel is not specified. The more expensive 'electric' option was chosen per instructions for ambiguity. Photos also suggest an electric stove.",
"utility": "Cooking",
"allowance": 18
},
{
"note": "Water heating fuel is not specified. The more expensive 'electric' option was chosen per instructions for ambiguity.",
"utility": "Water Heating",
"allowance": 45
},
{
"note": "Selected based on the '4br' column for a property with public water, as stated in the listing details.",
"utility": "Water",
"allowance": 136
},
{
"note": "Selected based on the '4br' column for a property with public sewer, as stated in the listing details.",
"utility": "Sewer",
"allowance": 194
},
{
"note": "Property photos show window AC units, which are typically tenant-provided. Central AC is not mentioned.",
"utility": "Air Conditioning",
"allowance": 23
},
{
"note": "Standard allowance for general electricity usage (e.g., lighting, outlets) for a 4-bedroom unit.",
"utility": "Other Electric",
"allowance": 92
},
{
"note": "Assumed to be tenant-provided as it was not explicitly listed as an included appliance in the property details, per instructions.",
"utility": "Refrigerator",
"allowance": 19
},
{
"note": "Assumed to be tenant-provided as a microwave was not explicitly listed as an included appliance in the property details, per instructions.",
"utility": "Range/Microwave",
"allowance": 18
},
{
"note": "The utility schedule has no allowance value for trash collection, implying it is not a tenant-paid utility in this jurisdiction.",
"utility": "Trash Collection",
"allowance": 0
}
],
"cash_on_cash_return": 0.72,
"down_payment_amount": 35000.0,
"property_tax_annual": 1782.93,
"property_tax_monthly": 148.58,
"property_tax_increase": 0.03,
"utility_allowance_total": 635.0,
"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": 14016.69,
"property_management_monthly": 254.4,
"monthly_cash_flow_after_debt": 1168.06,
"cash_on_cash_return_after_debt": 0.4
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the duplex appears broadly rent-ready with mostly cosmetic work and code-item installs required. The roof and exterior brickwork look solid and heating/cooling is present via mini-splits. Primary risks that could prevent an initial HCV/NSPIRE pass are likely missing or unverified life-safety items (smoke/CO detectors, kitchen GFCI), lead-paint considerations (1920 build), and unverified hot-water and electrical panel condition. With targeted remediation — install/verify smoke & CO detectors, install GFCI where required, remediate porch/railing defects, clean/replace carpets and address minor kitchen repairs — the property should be able to pass within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior appear structurally intact with recent-looking roof shingles and intact brickwork. Cosmetic deferred maintenance is the main issue: worn/soiled carpeting, older kitchen cabinets/countertop surfaces, peeling paint on porch trim/railings, and lattice under porch. Both a stove and refrigerator are present so missing-appliance risk is low. Repairs required are mostly cosmetic and mid-level (carpet replacement/cleaning, paint, minor carpentry)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No smoke or carbon monoxide detectors are visible in the photos; kitchen GFCI outlets are not evident. Porch rails and balusters appear present but may have wide spacing typical of older homes (possible fall hazard / child safety). Windows appear large in main rooms but egress compliance for all bedrooms cannot be confirmed. No visible exposed wiring or active leaks. Because of the 1920 build date there is a likely lead-based paint risk and smoke/CO/GFCI gaps could produce NSPIRE failures unless addressed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Roof appears in good condition in exterior photos. Ductless mini-split units are installed (heating/cooling present in pictured units). Kitchen plumbing fixtures are present and functional-looking; a gas range is installed. Critical items not shown: water heater, electrical panel, and full plumbing/hot-water verification. Based on visible equipment, systems likely functional but unverified components create moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior and foundation appear generally sound from photos; gutters and downspouts are present. Wraparound porch is a positive amenity but shows peeling paint and older wood posts/railings that will need maintenance; lattice skirting is intact but may hide underside issues. Concrete walkways show minor cracking but are passable. Yard is manageable and no standing water or obvious infestation is visible."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos (NSPIRE immediate fail if absent).",
"No visible GFCI protection in the kitchen (potential NSPIRE fail for electrical safety).",
"Lead-based paint risk due to 1920 construction — requires disclosure/abatement or risk mitigation for tenancy with children.",
"Water heater and electrical panel not shown/verified — unknowns that could create inspection failures if defective.",
"Porch railing/baluster spacing and paint deterioration may present fall/lead hazards and require repair."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors, carbon monoxide detectors, or kitchen/bathroom GFCI outlets are present because none are visible in the photos.",
"Mini-split units shown provide heating and cooling for the pictured units and are operational.",
"A functional water heater and electrical panel exist in the unit but were not photographed; their condition is unknown.",
"Bedroom window egress is adequate but cannot be confirmed from the photos; main living windows are large.",
"Porch structural members are serviceable; visible deterioration is limited to paint and minor wood wear rather than structural failure.",
"Appliances shown (stove, refrigerator) are present and functional or can be made functional with minor service."
],
"overall_score": 67.0,
"rubric_version": "1.0"
},
{
"summary": "This duplex appears structurally intact with mostly cosmetic and moderate repair needs. Kitchens and major living areas are serviceable and the presence of ductless mini-splits is a positive for heating/cooling. The most significant NSPIRE inspection risks are missing/unspecified smoke and CO detectors, peeling exterior paint on a 1920 house (lead-paint hazard potential), and some porch/step handrail/guard concerns. Major systems (electrical panel, water heater, gas connections) were not photographed and must be verified. Likely outcome: moderate repairs required; property may fail an initial NSPIRE inspection on life-safety items (detectors, guards/handrails, lead-risk paint) but should be passable within 30–60 days with targeted fixes and verification of mechanical systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior and exterior show mostly cosmetic and mid-level deferred maintenance: carpeting is worn and dirty, cabinets and countertops are dated but intact, paint is scuffed in places. Kitchen includes a refrigerator and a gas range (not missing appliances). The wraparound porch structure is present and largely intact but has peeling paint and some wood wear; lattice under porch is intact. No collapsed ceilings or exposed subfloor visible. These are mostly easy-to-fix or capital items (paint, carpet, minor carpentry)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 45.0,
"rationale": "Multiple NSPIRE safety concerns visible or reasonably inferred: no smoke detectors or carbon monoxide detectors are visible in the provided interior photos (required), exterior painted wood shows peeling (property built 1920 → potential lead-paint risk), small exterior step to porch appears to lack a handrail, and some porch rail/guard detail may not meet modern spacing/guard height requirements. GFCI protection in kitchen/bath not visible. No active water intrusion, collapsed ceilings, or obvious exposed electrical conductors are visible in photos, but missing/uncertain life-safety devices and exterior paint hazards create a moderate-to-high inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, roof, electrical, plumbing)",
"score": 60.0,
"rationale": "Roof shingles appear in serviceable condition in exterior photos (no visible large failed areas). Heating/cooling appears to be provided at least partially by ductless mini-split units shown in multiple rooms (suggests functional heating/cooling but condition not verified). A gas stove is present in the kitchen. Electrical panel, water heater, and mechanical equipment are not shown. Plumbing fixtures visible (kitchen sink) appear intact. Because critical system components were not photographed, score reflects probable functional systems but with uncertainty requiring in-person verification (water heater, electrical panel labeling, gas connections, hot water)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 60.0,
"rationale": "Brick exterior and foundation appear generally intact with no obvious large foundation movement. Large wraparound porch and yard are present and usable. Some exterior wood (enclosed side porch, porch trim, railings) shows peeling paint and localized deterioration. Walkways exist but small front steps lack a handrail. No standing water or rampant vegetation against foundation visible. Overall a manageable exterior with some repairs required."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors and no visible CO detectors in photos — life-safety devices likely missing/noncompliant",
"Peeling/failed exterior wood paint on a 1920 house — potential lead-based paint hazard",
"Porch front steps appear to lack a required handrail and some guardrail details may not meet NSPIRE spacing/height requirements",
"Unknown/unverified electrical panel, GFCI protection, and hot-water system (not photographed) — system verification required"
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or carbon monoxide detectors were visible in interior photos; assume they are not installed or not compliant unless proven otherwise.",
"Ductless mini-split units visible are assumed present and likely operational but have not been tested; they provide heating/cooling for at least some rooms.",
"Roof shingles visible are assumed to be in serviceable condition (no active leaks observed in photos) though flashing/chimney condition not verified.",
"Electrical panel, water heater, main gas shutoff and plumbing distribution are present but their condition/labels/grounding/GFCI protection are unknown (not shown).",
"Bedrooms and sleeping rooms have windows that likely provide egress but detailed egress dimensions were not measured; assume typical historic window sizes provide egress unless otherwise noted.",
"Peeling/failed paint on exterior wood likely exists (visible) — assumed to be lead-based risk due to 1920 build date and should be treated per HUD guidance until tested.",
"Stairs/porch have at least one small step without a handrail (visible) and this is assumed to be a code deficiency needing repair.",
"No recent rental events in the last 5 years (rental_history_last_5y event_count_5y = 0) so rental_history_activity criterion is excluded from scoring."
],
"overall_score": 60.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "This duplex is generally in rentable condition but will likely need a handful of targeted repairs to pass an initial HCV/NSPIRE inspection. The building presents as structurally intact with a sound roof, working kitchens (appliances shown), and functioning mini-split HVAC units, but there are moderate safety and system unknowns — notably no visible smoke/CO detectors, uncertain GFCI protection in the kitchen, a damaged kitchen window sash, and unverified whole-house heating/water-heater/electrical panel condition. Most items appear to be minor-to-moderate repairs (cosmetic, electrical outlet/GFCI, detectors, window repair, porch skirting/paint). Expect 2–6 weeks to make the unit fully inspection-ready if major systems are operational; if the main heating or water heater requires replacement, timeline and cost increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior and exterior show primarily cosmetic wear: worn/soiled carpet, older but present kitchen cabinets and countertops, minor paint touch-ups, and some masonry/brick patching at the porch façade. Both refrigerator and gas range are present in the pictured kitchen which reduces penalty for missing appliances. Porch skirting/lattice has small missing sections and paint wear on railings. No obvious major structural collapse or large areas of missing subfloor visible in photos. Overall repairs are mostly cosmetic and moderate carpentry/masonry work."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No smoke or carbon monoxide detectors are visible in photos (not confirmation of absence but increases risk). Porch railings exist but the small front approach step lacks a visible handrail and some rail elements show paint wear; verify railing height/strength. Kitchen outlet near sink does not show a GFCI faceplate. Windows appear operable for egress in main rooms, though one kitchen window shows a damaged sash area that should be repaired. No exposed live wiring or collapsed ceilings were visible. The property therefore has moderate NSPIRE risk items that are likely fixable prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof, HVAC, Electric, Plumbing)",
"score": 55.0,
"rationale": "Exterior roof and chimneys appear intact with relatively new-looking shingles and no visible active leaks. Ductless mini-split units are installed in multiple rooms (good), indicating cooling and potentially heating coverage for zones, but the primary whole-house heating source (boiler/furnace, water heater) and its condition are not shown. Electrical panel and water heater were not photographed. Plumbing fixtures (kitchen sink, faucet) are present; working hot water not confirmed. Given the unknowns (panel, water heater, main heating) assign a cautious mid-range score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick exterior and foundation stone retaining wall are intact though show age and localized mortar/brick repairs. Gutters and downspouts are present. Walkways are present and appear serviceable; the grade slopes down from left side but retaining wall seems stable. Porch is functional with railing and support posts; some cosmetic wood deterioration and missing lattice panels under the porch will need repair. No visible evidence of infestation or large-scale site neglect."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Smoke and carbon monoxide detectors are not visible in photos and are therefore assumed missing or not placed to NSPIRE locations; they must be confirmed and installed if absent.",
"Water heater and primary central heating (boiler/furnace) exist but were not photographed; their working condition is unknown.",
"Electrical service/panel exists and is code-compliant; no exposed live wiring was observed in photos but panel condition must be verified by visiting inspector.",
"Mini-split units provide cooling and may provide supplemental heating; they are assumed operational based on appearance but have not been tested.",
"Windows in bedrooms provide required egress dimensions, based on typical unit sizes shown; one kitchen window sash appears damaged and will need repair.",
"Porch railings are assumed to be anchored adequately but the short flight to the front entry may require a handrail depending on local inspector interpretation.",
"No active roof leaks are visible from exterior photos; interior ceiling photographs show no staining or sagging.",
"No evidence of severe mold, termite damage, or collapsed ceilings was observed in provided images; hidden issues may exist behind finishes."
],
"overall_score": 64.0,
"rubric_version": "NSPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1100 Tyndall St, Pittsburgh, PA, 15204",
"aggregate": {
"summary": "Overall the duplex appears broadly rent-ready with mostly cosmetic work and code-item installs required. The roof and exterior brickwork look solid and heating/cooling is present via mini-splits. Primary risks that could prevent an initial HCV/NSPIRE pass are likely missing or unverified life-safety items (smoke/CO detectors, kitchen GFCI), lead-paint considerations (1920 build), and unverified hot-water and electrical panel condition. With targeted remediation — install/verify smoke & CO detectors, install GFCI where required, remediate porch/railing defects, clean/replace carpets and address minor kitchen repairs — the property should be able to pass within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior and exterior appear structurally intact with recent-looking roof shingles and intact brickwork. Cosmetic deferred maintenance is the main issue: worn/soiled carpeting, older kitchen cabinets/countertop surfaces, peeling paint on porch trim/railings, and lattice under porch. Both a stove and refrigerator are present so missing-appliance risk is low. Repairs required are mostly cosmetic and mid-level (carpet replacement/cleaning, paint, minor carpentry)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Brick exterior and foundation appear generally sound from photos; gutters and downspouts are present. Wraparound porch is a positive amenity but shows peeling paint and older wood posts/railings that will need maintenance; lattice skirting is intact but may hide underside issues. Concrete walkways show minor cracking but are passable. Yard is manageable and no standing water or obvious infestation is visible."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 53.3,
"rationale": "No smoke or carbon monoxide detectors are visible in the photos; kitchen GFCI outlets are not evident. Porch rails and balusters appear present but may have wide spacing typical of older homes (possible fall hazard / child safety). Windows appear large in main rooms but egress compliance for all bedrooms cannot be confirmed. No visible exposed wiring or active leaks. Because of the 1920 build date there is a likely lead-based paint risk and smoke/CO/GFCI gaps could produce NSPIRE failures unless addressed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Roof appears in good condition in exterior photos. Ductless mini-split units are installed (heating/cooling present in pictured units). Kitchen plumbing fixtures are present and functional-looking; a gas range is installed. Critical items not shown: water heater, electrical panel, and full plumbing/hot-water verification. Based on visible equipment, systems likely functional but unverified components create moderate risk."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos (NSPIRE immediate fail if absent).",
"No visible GFCI protection in the kitchen (potential NSPIRE fail for electrical safety).",
"Lead-based paint risk due to 1920 construction — requires disclosure/abatement or risk mitigation for tenancy with children.",
"Water heater and electrical panel not shown/verified — unknowns that could create inspection failures if defective.",
"Porch railing/baluster spacing and paint deterioration may present fall/lead hazards and require repair."
],
"confidence": 0.86,
"assumptions": [
"No smoke detectors, carbon monoxide detectors, or kitchen/bathroom GFCI outlets are present because none are visible in the photos.",
"Mini-split units shown provide heating and cooling for the pictured units and are operational.",
"A functional water heater and electrical panel exist in the unit but were not photographed; their condition is unknown.",
"Bedroom window egress is adequate but cannot be confirmed from the photos; main living windows are large.",
"Porch structural members are serviceable; visible deterioration is limited to paint and minor wood wear rather than structural failure.",
"Appliances shown (stove, refrigerator) are present and functional or can be made functional with minor service."
],
"score_method": "mean_of_criteria",
"overall_score": 63.3,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4533108468"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.