Property ID: 4599764613
1360 Herman St, Pittsburgh, PA, 15212
Pittsburgh, PA
Money Down: $33,360
CoC Return: 33.32%
Monthly Cash Flow: $926
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$27,800
Closing Costs
$5,560
Total Down
$33,360
Investment Snapshot
Purchase Price
$139,000
Money Down
$33,360
Cash-on-Cash Return
33.32%
Rent
$1,939
Monthly Cash Flow
$926
Annual Cash Flow
$11,114
Debt Service / Mo
$740
Property Tax / Mo
$53
Insurance / Mo
$26
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,939
Payment Standard
$2,309
Rent
$1,939
Insurance
$26
Property Tax
$53
Management
$194
Utilities Allowance
$370
NOI (Monthly)
$1,666
Debt Service
$740
Cash Flow After Debt
$926
Quality Score: 66.40%
Confidence: 92.00%
Overall this 1920 single-family currently configured as a single with easy conversion to two-units appears in generally serviceable condition with mostly cosmetic and minor repair needs. Listing notes newer electric service (2020) and furnace (2016), which are positive for inspection readiness. Main inspection risks are missing/undocumented smoke and CO detectors, unknown GFCI protection in wet areas, and lack of photographed mechanicals (electric panel, water heater) for verification. With installation/verification of detectors, confirmation of GFCI and mechanical operation, and a few cosmetic fixes (carpet, small trim/lighting), the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
Section 8 Payment Standard
$2,309
Utility Allowance Total
$370
Guaranteed Section 8 Rent (PS - Utilities)
$1,939
Property Management
$194
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$139,000
Beds
2
Baths
2
Living Area
1,734 sqft
Lot Size
3,829 sqft
Year Built
1920
Days on Market
51
Capital Outlay
$33,360
Debt Service
$740
Property Tax / Mo
$53
Insurance / Mo
$26
Property Description
Excellent for first time buyer or investor. Located on Troy Hill. Convenient to downtown, North Shore amenities and close to highway access. The first floor apartment consist of a living room, bedroom, large eat in kitchen and bathroom. The 2nd floor apartment has a similar layout including access to 2 unheated rooms on the third floor. Both units have access to the basement. Troy Hill is a level walkable neighborhood with places to eat, drink, and bank Also there's 2 ballfields, a waterpark and great views overlooking the City. THe home is presently set up as a single family but easily converts back to a 2 family. Apt. 1 has separate electric. New electric services 2020. New furnace 2016
Utility Allowances
heating
$74
Selected 'natural_gas' for a 2-bedroom unit based on property details stating 'Heating Features: Gas'.
cooking
$6
Selected 'natural_gas' for a 2-bedroom unit. The fuel type was not specified, so natural gas was chosen to be consistent with the property's gas heating system.
water_heating
$18
Selected 'natural_gas' for a 2-bedroom unit. The fuel type was not specified, so natural gas was chosen to be consistent with the property's gas heating system.
other_electric
$59
Selected the fixed allowance for 'other_electric' for a 2-bedroom unit. This covers general electrical use not associated with heating, cooking, or water heating.
air_conditioning
$11
Selected the fixed allowance for 'air_conditioning' for a 2-bedroom unit, assuming the tenant may provide their own unit.
water
$66
Selected the fixed allowance for a 2-bedroom unit as property details specify 'Water Source: Public'.
sewer
$99
Selected the fixed allowance for a 2-bedroom unit as property details specify 'Sewer: Public'.
refrigerator
$19
Selected the fixed allowance for a 2-bedroom unit. A refrigerator is not explicitly listed as provided by the landlord, so it is assumed to be tenant-owned.
range_microwave
$18
Selected the fixed allowance for a 2-bedroom unit. A microwave/range is not explicitly listed as provided by the landlord, so it is assumed to be tenant-owned.
trash_collection
$0
The utility allowance schedule does not provide a value for trash collection for this unit type.
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$184
DP3 Annual Estimate$441
DP1 Monthly Equivalent$15
DP3 Monthly Equivalent$37
Replacement Value$18,000
Basis1,734 sqft / 1920
Nearby Houses
Photo unavailable
1376 Herman St
sold · 0.04 mi
Price: $115,000
4 bd / 1 ba · 1,500 sqft
Latest sale: $115,000 on Feb 15, 2024
Latest rent: $1,395 on Sep 07, 2023
Photo unavailable
1378 Herman St
sold · 0.04 mi
Price: $153,000
4 bd / 1 ba · 1,736 sqft
Latest sale: $153,000 on Aug 10, 2020
Latest rent: —
Photo unavailable
1418 Lowrie St
sold · 0.05 mi
Price: $272,250
3 bd / 3 ba
Latest sale: $272,250 on May 07, 2021
Latest rent: —
Photo unavailable
1422 Lowrie St
sold · 0.05 mi
Price: $280,000
3 bd / 2 ba · 1,491 sqft
Latest sale: $280,000 on Sep 16, 2024
Latest rent: —
Photo unavailable
1337 Lowrie St
sold · 0.07 mi
Price: $65,000
2 bd / 1 ba · 1,560 sqft
Latest sale: $65,000 on Jan 28, 2026
Latest rent: —
Photo unavailable
1333 Lowrie St
sold · 0.07 mi
Price: $180,000
3 bd / 2 ba · 1,540 sqft
Latest sale: $180,000 on Nov 09, 2021
Latest rent: $1,500 on Apr 17, 2024
Photo unavailable
1326 Lowrie St
off_market · 0.08 mi
Price: $1,095
2 bd / 1 ba
Latest sale: $14,000 on Aug 03, 2015
Latest rent: $1,195 on Jun 19, 2025
Photo unavailable
1332 Goettman St Apt 2
off_market · 0.10 mi
Price: $1,200
2 bd / 1 ba · 800 sqft
Latest sale: —
Latest rent: $1,175 on Jan 27, 2026
Photo unavailable
1332 Goettman St Unit A
off_market · 0.10 mi
Price: $1,100
2 bd / 1 ba · 900 sqft
Latest sale: —
Latest rent: $1,200 on Oct 14, 2025
Photo unavailable
1503 Gardner St
sold · 0.11 mi
Price: $275,000
3 bd / 2 ba · 1,660 sqft
Latest sale: $275,000 on Mar 22, 2023
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 alarms in interior photos (NSPIRE fail if absent).
- No visible GFCI protection near bathroom/kitchen outlets in photos (potential code issue).
- Numerous overhead service wires anchored to front elevation (possible electrical service inspection item).
- Mechanical equipment (water heater, electrical panel) not photographed/documented — requires verification prior to inspection.
Assumptions
- Furnace is present and operational as stated in listing (new 2016); heating system will provide adequate heat.
- Electrical service was upgraded in 2020 as stated and is likely to be code-compliant; the main panel is intact though not photographed.
- No active roof leaks or major hidden water damage exist beyond what is visible in photos (no interior staining or sagging observed).
- Smoke and CO detectors are not visible in provided photos and should be considered absent until confirmed; they will need to be installed or verified.
- Water heater exists and provides hot water (not shown); if missing or nonfunctional this would reduce systems score and inspection readiness.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $618 | $25,000 | $25,000 |
| 2024 | $576 | $25,000 | $25,000 |
| 2023 | $576 | $25,000 | $25,000 |
| 2022 | $568 | $25,000 | $25,000 |
| 2021 | $568 | $25,000 | $25,000 |
| 2020 | $565 | $25,000 | $25,000 |
| 2019 | $565 | $25,000 | $25,000 |
| 2018 | $565 | $25,000 | $25,000 |
| 2017 | $565 | $25,000 | $25,000 |
| 2016 | $572 | $25,000 | $25,000 |
| 2015 | $572 | $25,000 | $25,000 |
| 2014 | $548 | $25,000 | $25,000 |
| 2013 | $655 | $25,000 | $25,000 |
| 2012 | $620 | $20,400 | $20,400 |
| 2011 | $599 | $20,400 | $20,400 |
| 2010 | $599 | $20,400 | $20,400 |
| 2009 | $599 | $20,400 | $20,400 |
| 2008 | $599 | $20,400 | $20,400 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2001-09-20 | Sold | $15,000 |
Photo Gallery
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{
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"lead_attributes": {
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"show_contact_an_agent": true,
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"search_promotions": null,
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{
"tax": 618,
"year": 2025,
"market": {
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"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 576,
"year": 2024,
"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 576,
"year": 2023,
"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 568,
"year": 2022,
"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 568,
"year": 2021,
"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 565,
"year": 2020,
"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 565,
"year": 2019,
"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 565,
"year": 2018,
"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 565,
"year": 2017,
"market": {
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"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 572,
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"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 572,
"year": 2015,
"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 548,
"year": 2014,
"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 655,
"year": 2013,
"market": {
"land": 7000,
"total": 25000,
"building": 18000
},
"assessment": {
"land": 7000,
"total": 25000,
"building": 18000
}
},
{
"tax": 620,
"year": 2012,
"market": {
"land": 6100,
"total": 20400,
"building": 14300
},
"assessment": {
"land": 6100,
"total": 20400,
"building": 14300
}
},
{
"tax": 599,
"year": 2011,
"market": {
"land": 6100,
"total": 20400,
"building": 14300
},
"assessment": {
"land": 6100,
"total": 20400,
"building": 14300
}
},
{
"tax": 599,
"year": 2010,
"market": {
"land": 6100,
"total": 20400,
"building": 14300
},
"assessment": {
"land": 6100,
"total": 20400,
"building": 14300
}
},
{
"tax": 599,
"year": 2009,
"market": {
"land": 6100,
"total": 20400,
"building": 14300
},
"assessment": {
"land": 6100,
"total": 20400,
"building": 14300
}
},
{
"tax": 599,
"year": 2008,
"market": {
"land": 6100,
"total": 20400,
"building": 14300
},
"assessment": {
"land": 6100,
"total": 20400,
"building": 14300
}
}
],
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{
"date": "2026-02-17",
"price": 139000,
"listing": {
"status": "for_sale",
"list_date": "2026-02-17T18:27:40Z",
"list_price": 139000,
"listing_id": "2991641638",
"last_update_date": "2026-02-20T14:22:29Z",
"last_status_change_date": "2026-02-17T18:27:40Z"
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"price_sqft": 80.16147635524798,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1740292",
"price_change_percentage": "+456.00%"
},
{
"date": "2026-02-17",
"price": 139000,
"listing": {
"status": "for_sale",
"list_date": "2026-02-17T17:42:34Z",
"list_price": 139000,
"listing_id": "2991639854",
"last_update_date": "2026-02-20T14:24:04Z",
"last_status_change_date": "2026-02-17T17:42:34Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1740191",
"price_change_percentage": null
},
{
"date": "1986-06-18",
"price": 25000,
"listing": null,
"event_name": "Sold",
"price_sqft": 14.41753171856978,
"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": "4599764613",
"generated_at": "2026-02-25T00:07:07.654003Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.4
},
"utility_allowance": {
"zip_code": "15212",
"home_photo": "https://ap.rdcpix.com/21342c958c541989c3a790c6287e900fl-m2572359059s-w1280.jpg",
"rent_price": 1939.0,
"loan_amount": 111200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1360-Herman-St_Pittsburgh_PA_15212_M45997-64613",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 139000.0,
"loan_term_years": 30,
"annual_cash_flow": 19992.16,
"mortgage_monthly": 739.82,
"payment_standard": 2309.0,
"total_amount_out": 27800.0,
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"down_payment_rate": 0.2,
"insurance_monthly": 26.04,
"monthly_cash_flow": 1666.01,
"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 2-bedroom unit based on property details stating 'Heating Features: Gas'.",
"utility": "heating",
"allowance": 74
},
{
"note": "Selected 'natural_gas' for a 2-bedroom unit. The fuel type was not specified, so natural gas was chosen to be consistent with the property's gas heating system.",
"utility": "cooking",
"allowance": 6
},
{
"note": "Selected 'natural_gas' for a 2-bedroom unit. The fuel type was not specified, so natural gas was chosen to be consistent with the property's gas heating system.",
"utility": "water_heating",
"allowance": 18
},
{
"note": "Selected the fixed allowance for 'other_electric' for a 2-bedroom unit. This covers general electrical use not associated with heating, cooking, or water heating.",
"utility": "other_electric",
"allowance": 59
},
{
"note": "Selected the fixed allowance for 'air_conditioning' for a 2-bedroom unit, assuming the tenant may provide their own unit.",
"utility": "air_conditioning",
"allowance": 11
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit as property details specify 'Water Source: Public'.",
"utility": "water",
"allowance": 66
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit as property details specify 'Sewer: Public'.",
"utility": "sewer",
"allowance": 99
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit. A refrigerator is not explicitly listed as provided by the landlord, so it is assumed to be tenant-owned.",
"utility": "refrigerator",
"allowance": 19
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit. A microwave/range is not explicitly listed as provided by the landlord, so it is assumed to be tenant-owned.",
"utility": "range_microwave",
"allowance": 18
},
{
"note": "The utility allowance schedule does not provide a value for trash collection for this unit type.",
"utility": "trash_collection",
"allowance": 0
}
],
"cash_on_cash_return": 0.72,
"down_payment_amount": 27800.0,
"property_tax_annual": 636.54,
"property_tax_monthly": 53.04,
"property_tax_increase": 0.03,
"utility_allowance_total": 370.0,
"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": 11114.36,
"property_management_monthly": 193.9,
"monthly_cash_flow_after_debt": 926.2,
"cash_on_cash_return_after_debt": 0.4
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 1920 single-family currently configured as a single with easy conversion to two-units appears in generally serviceable condition with mostly cosmetic and minor repair needs. Listing notes newer electric service (2020) and furnace (2016), which are positive for inspection readiness. Main inspection risks are missing/undocumented smoke and CO detectors, unknown GFCI protection in wet areas, and lack of photographed mechanicals (electric panel, water heater) for verification. With installation/verification of detectors, confirmation of GFCI and mechanical operation, and a few cosmetic fixes (carpet, small trim/lighting), the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recently painted walls, intact doors/trim, functioning bathroom shower, and generally clean finishes. Carpet shows wear/staining and there are minor cosmetic items (ceiling fan with exposed bulbs, transition strips, small finish repairs). Exterior siding is aged and stained but intact. Missing appliances are not evident in photos for this unit; absence would be a moderate, not catastrophic, deduction. Overall only minor repairs and cosmetics required."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No life-threatening defects evident (no sagging ceilings, collapsed floors, or visible active leaks). However, I did not observe any smoke detectors or carbon monoxide alarms in the provided interior photos and none are shown in common locations; GFCI protection at bathroom/kitchen outlets is not visible. Entry door has a knob but deadbolt not visible in photos. Overhead service wires are numerous at the front of the building (typical in older row houses but a potential inspection note). Windows appear operable and bedrooms appear to have egress windows. These unknowns create moderate NSPIRE risk that should be remedied prior to inspection (install/verify detectors, confirm GFCI, verify deadbolt)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states new electric service in 2020 and new furnace in 2016 (positive indicators). Interior shows vents and typical plumbing fixtures that appear functional. Electrical panel, water heater, and proof of operational heating/hot water were not photographed; absence of visible evidence reduces certainty. No signs of roof collapse or active interior water intrusion were visible. Overall systems appear serviceable but verification (water heater, electrical panel labeling, furnace operation, hot water) is recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior photos show an intact roofline and siding but staining and age are visible on the side elevation. Foundation and basement glass block windows are present and appear intact; brick parking/drive area in front is serviceable. Front stoop has a handrail. There is no visible major foundation cracking or roof sagging in photos. Multiple overhead utility lines and a satellite dish are attached; while common, they may draw inspector attention. Overall moderate condition with some cleaning/maintenance recommended."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE fail if absent).",
"No visible GFCI protection near bathroom/kitchen outlets in photos (potential code issue).",
"Numerous overhead service wires anchored to front elevation (possible electrical service inspection item).",
"Mechanical equipment (water heater, electrical panel) not photographed/documented — requires verification prior to inspection."
],
"confidence": 0.65,
"assumptions": [
"Furnace is present and operational as stated in listing (new 2016); heating system will provide adequate heat.",
"Electrical service was upgraded in 2020 as stated and is likely to be code-compliant; the main panel is intact though not photographed.",
"No active roof leaks or major hidden water damage exist beyond what is visible in photos (no interior staining or sagging observed).",
"Smoke and CO detectors are not visible in provided photos and should be considered absent until confirmed; they will need to be installed or verified.",
"Water heater exists and provides hot water (not shown); if missing or nonfunctional this would reduce systems score and inspection readiness."
],
"overall_score": 68.0,
"rubric_version": "1.0"
},
{
"summary": "This 1920 single-family currently set up as a single unit but convertible to two units appears largely habitable and likely to pass a Section 8/HCV initial NSPIRE inspection after completing a short punch list: install/verify smoke and CO alarms, install GFCI protection in required locations, confirm presence/function of water heater and electrical panel labeling, add or verify deadbolt on entry, and do cleaning/carpet or targeted flooring replacement. Major structural failures, active leaks, or collapsed elements are not apparent in provided photos; the presence of newer furnace (2016) and new electric service (2020) reduce mechanical risk. Expect a likely pass with minor repairs and verification work within 1–3 weeks if systems are confirmed functional; allow longer if appliances/water heater or egress issues are discovered.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently painted and generally clean but shows worn/stained carpeting, basic cosmetic wear, and older finish materials (flooring transitions visible). No major structural damage visible in photos. No kitchen photos or appliances shown — missing appliances would be an easy-to-fix rental readiness item but reduce turnkey score moderately. Overall condition suggests cosmetic work (deep clean, carpet or flooring replacement in places, minor trim/fixture repairs) rather than heavy rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the interior photos; bathroom photo shows no obvious GFCI outlet. Entry door has a lock but no visible deadbolt in photos. Windows shown appear large enough for bedroom egress but egress compliance can't be fully confirmed from photos. No visible active leaks, ceiling sagging, collapsed ceilings, or major mold. Overhead utility/service wires on the exterior are numerous but typical for older row-homes; no exposed internal wiring is visible. Missing/uncertain life-safety devices and GFCI place this at moderate inspection risk until devices and locks are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states new electric services in 2020 and new furnace in 2016 which are strong positives. Photos show functioning bathroom fixtures (shower and sink). No water heater or electrical panel images provided so their condition is unverified. Roof and chimney visible from exterior look intact with no obvious sagging or major failure in photos. Because key system updates are recent but several system components are unseen, score reflects likely serviceable systems with some unknowns to confirm."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior siding shows discoloration/staining and general weathering; foundation and basement glass block windows are visible and appear intact with no obvious large foundation cracks. Front steps/entry are functional; a short handrail is present at the step but complete stair/handrail compliance for multi-step access could require verification. Driveway/parking area is asphalt/brick with no standing water visible but close lot lines and grade make drainage / basement water intrusion a potential concern. No visible infestation or major exterior structural distress."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos — NSPIRE failure until installed/verified.",
"No visible GFCI outlet in bathroom photo (and kitchen not shown) — potential inspection failure if not present.",
"No photos of electrical panel or water heater to confirm condition; absence of verification increases inspection risk.",
"Exterior siding shows staining and possible water exposure near foundation/basement window wells — potential for water intrusion if not addressed."
],
"confidence": 0.65,
"assumptions": [
"Furnace installed in 2016 is operational and services the unit(s) as stated in listing.",
"New electric service installed in 2020 includes an updated electrical panel and safe connections (no visible exposed wiring inside), though panel labeling was not provided.",
"A functional water heater is present and provides hot water to baths/kitchen (water heater not pictured).",
"Kitchen exists and is functional as listed ('large eat-in kitchen') but appliances (stove/fridge) are not shown; assume they may be missing or need verification.",
"Bedrooms have operable windows sufficient for egress based on visible window size, but exact egress dimensions were not measured.",
"No active roof leak or major concealed water intrusion exists beyond visible exterior staining; staining on siding is likely mildew/soiling rather than structural failure.",
"No known recent rental history (rental_history_last_5y missing) — property appears owner-occupied or vacant for sale.",
"Interior photos show only a portion of the property (likely one unit); other areas (kitchen, electrical panel, basement, stairs, and second unit areas) were not imaged and may reveal additional issues."
],
"overall_score": 67.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Moderate readiness for an initial HCV/NSPIRE inspection. The unit appears cosmetically updated and structurally intact with recent electrical service (2020) and furnace (2016) per listing, which significantly reduces major system risk. Primary inspection risks are missing/undocumented smoke and carbon monoxide alarms, uncertain GFCI protection in bathroom/kitchen, and lack of visible kitchen appliance evidence. With installation of required detectors, verification/installation of GFCI outlets, confirmation of hot water and water heater, and minor exterior cleaning/finish work, the property could pass an initial Section 8 inspection within roughly 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior photos show recent painting and new/used carpeting, intact drywall, closets, and an updated-looking bathroom shower surround — cosmetic condition is generally good. Exterior siding is stained and would benefit from cleaning/paint. Decorative fireplace and some finish items appear cosmetic only. No obvious collapsed ceilings, major drywall damage, or exposed subfloor visible. No kitchen is shown (appliances not visible) which reduces turnkey readiness but is not a catastrophic failure. Overall relative minor cosmetic and finish repairs expected."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 50.0,
"rationale": "Photos do not show smoke detectors or carbon-monoxide detectors; HUD/NSPIRE requires working smoke detectors in sleeping areas/common corridors and CO alarms if fuel-burning appliances (furnace listed) are present — this is a likely inspection failure if not installed. Bathroom/kitchen GFCI outlets are not visible in photos and must be confirmed/installed. Entry door appears serviceable but a deadbolt is not clearly visible. No visible active roof leaks, no sagging ceilings, and no standing water. Overhead utility/service wires and a cluster of exterior cables are present but not clearly unsafe from photos. Moderate risk: several required safety devices and kitchen/bath electrical protection need confirmation/installation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 68.0,
"rationale": "Listing states 'new electric services 2020' and 'new furnace 2016' which significantly reduces major system risk. No visible interior signs of water intrusion, mold staining, or ceiling damage. Roofing and water heater condition not visible; roof dormer and eaves appear reasonably level in photos with no obvious major failure. Plumbing fixtures (bathroom shower and sink) appear functional but GFCI protection and hot-water supply not verified. Overall systems look likely serviceable but require verification of water heater, hot water, and electrical ground/GFCI protection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior siding shows staining and surface wear and would benefit from cleaning/paint; foundation appears intact (glass-block basement windows present) with no obvious large cracks visible in photos. Front stoop/brick walkway is uneven but usable; there is a small step with a handrail visible at the entry. Tight on-street/driveway parking and numerous overhead service wires present. Yard is minimal; no clear evidence of infestation or standing water in provided photos. Overall serviceable but needs light exterior maintenance."
}
],
"red_flags": [
"No visible smoke detectors in living/sleeping areas (likely inspection fail if not installed).",
"No visible carbon-monoxide alarm (required if fuel-burning furnace present).",
"No visible GFCI-protected outlets in bathroom/kitchen areas (potential electrical/code violation)."
],
"confidence": 0.65,
"assumptions": [
"Listing is accurate: new electric service installed in 2020 and furnace installed in 2016 and are functioning.",
"No active roof leaks or hidden water damage are present since interior photos show no obvious staining.",
"Windows in sleeping rooms meet basic egress size/location requirements (not fully verifiable from photos).",
"Kitchen appliances (stove/fridge) may be absent or not shown; missing appliances are considered moderate readiness issues but not a safety failure.",
"Basement and mechanical rooms are accessible and in serviceable condition (not photographed).",
"No peeling lead-based paint hazards visible in photos — walls appear painted and in fair condition, but testing would be required for pre-1978 property.",
"Electrical distribution panel is intact and compliant since 'new electric service' is claimed, but GFCI outlets in kitchen/bath are not verified."
],
"overall_score": 64.0,
"rubric_version": "ns-pipeline-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1360 Herman St, Pittsburgh, PA, 15212",
"aggregate": {
"summary": "Overall this 1920 single-family currently configured as a single with easy conversion to two-units appears in generally serviceable condition with mostly cosmetic and minor repair needs. Listing notes newer electric service (2020) and furnace (2016), which are positive for inspection readiness. Main inspection risks are missing/undocumented smoke and CO detectors, unknown GFCI protection in wet areas, and lack of photographed mechanicals (electric panel, water heater) for verification. With installation/verification of detectors, confirmation of GFCI and mechanical operation, and a few cosmetic fixes (carpet, small trim/lighting), the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.3,
"rationale": "Interior photos show recently painted walls, intact doors/trim, functioning bathroom shower, and generally clean finishes. Carpet shows wear/staining and there are minor cosmetic items (ceiling fan with exposed bulbs, transition strips, small finish repairs). Exterior siding is aged and stained but intact. Missing appliances are not evident in photos for this unit; absence would be a moderate, not catastrophic, deduction. Overall only minor repairs and cosmetics required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior photos show an intact roofline and siding but staining and age are visible on the side elevation. Foundation and basement glass block windows are present and appear intact; brick parking/drive area in front is serviceable. Front stoop has a handrail. There is no visible major foundation cracking or roof sagging in photos. Multiple overhead utility lines and a satellite dish are attached; while common, they may draw inspector attention. Overall moderate condition with some cleaning/maintenance recommended."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 56.7,
"rationale": "No life-threatening defects evident (no sagging ceilings, collapsed floors, or visible active leaks). However, I did not observe any smoke detectors or carbon monoxide alarms in the provided interior photos and none are shown in common locations; GFCI protection at bathroom/kitchen outlets is not visible. Entry door has a knob but deadbolt not visible in photos. Overhead service wires are numerous at the front of the building (typical in older row houses but a potential inspection note). Windows appear operable and bedrooms appear to have egress windows. These unknowns create moderate NSPIRE risk that should be remedied prior to inspection (install/verify detectors, confirm GFCI, verify deadbolt)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 69.3,
"rationale": "Listing states new electric service in 2020 and new furnace in 2016 (positive indicators). Interior shows vents and typical plumbing fixtures that appear functional. Electrical panel, water heater, and proof of operational heating/hot water were not photographed; absence of visible evidence reduces certainty. No signs of roof collapse or active interior water intrusion were visible. Overall systems appear serviceable but verification (water heater, electrical panel labeling, furnace operation, hot water) is recommended."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE fail if absent).",
"No visible GFCI protection near bathroom/kitchen outlets in photos (potential code issue).",
"Numerous overhead service wires anchored to front elevation (possible electrical service inspection item).",
"Mechanical equipment (water heater, electrical panel) not photographed/documented — requires verification prior to inspection."
],
"confidence": 0.92,
"assumptions": [
"Furnace is present and operational as stated in listing (new 2016); heating system will provide adequate heat.",
"Electrical service was upgraded in 2020 as stated and is likely to be code-compliant; the main panel is intact though not photographed.",
"No active roof leaks or major hidden water damage exist beyond what is visible in photos (no interior staining or sagging observed).",
"Smoke and CO detectors are not visible in provided photos and should be considered absent until confirmed; they will need to be installed or verified.",
"Water heater exists and provides hot water (not shown); if missing or nonfunctional this would reduce systems score and inspection readiness."
],
"score_method": "mean_of_criteria",
"overall_score": 66.4,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4599764613"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.