Property ID: 4636933768
650 Tarragonna St, Pittsburgh, PA, 15210
Pittsburgh, PA
Money Down: $19,199
CoC Return: 103.78%
Monthly Cash Flow: $1,660
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,999
Closing Costs
$3,200
Total Down
$19,199
Investment Snapshot
Purchase Price
$79,995
Money Down
$19,199
Cash-on-Cash Return
103.78%
Rent
$2,480
Monthly Cash Flow
$1,660
Annual Cash Flow
$19,925
Debt Service / Mo
$426
Property Tax / Mo
$110
Insurance / Mo
$36
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,480
Payment Standard
$2,952
Rent
$2,480
Insurance
$36
Property Tax
$110
Management
$248
Utilities Allowance
$472
NOI (Monthly)
$2,086
Debt Service
$426
Cash Flow After Debt
$1,660
Quality Score: 61.90%
Confidence: 82.00%
Overall score 68 — the property is in the 'minor repairs' category and is likely to be rent-ready within ~30 days with targeted work. Main issues to address before a Housing Choice Voucher (HCV/NSPIRE) inspection: install/verify smoke and carbon monoxide alarms on each level and in bedrooms, install GFCI protection where required (kitchen/bath), provide a compliant handrail/guard for the front steps/porch and repair spalled concrete, verify there are no active roof/ceiling leaks and repair ceiling damage as needed. Mechanical/roofing items should be function-tested (heating, water heater, roof/soffit). If those corrections are made, the unit should pass an initial HCV inspection; as-is there is a moderate risk of inspection failures for alarm/GFCI and the unsafe-steps condition.
Section 8 Payment Standard
$2,952
Utility Allowance Total
$472
Guaranteed Section 8 Rent (PS - Utilities)
$2,480
Property Management
$248
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$79,995
Beds
3
Baths
1
Living Area
1,102 sqft
Lot Size
3,629 sqft
Year Built
1948
Days on Market
178
Capital Outlay
$19,199
Debt Service
$426
Property Tax / Mo
$110
Insurance / Mo
$36
Property Description
Welcome home to 650 Tarragonna Street - a charming three-bedroom, one-bath property offering tons of potential and solid value! This cozy home features a comfortable layout, bright living spaces, and a functional kitchen ready for your personal touch. Enjoy the convenience of off-street parking and a private backyard that's perfect for relaxing, gardening, or entertaining. Whether you're a first-time homebuyer or an investor looking for a great opportunity in Pittsburgh's Knoxville neighborhood, this home is full of promise. Located just minutes from downtown, shopping, and public transportation, it's an easy commute and a great place to call home!
Utility Allowances
Heating
$82
Property information specifies 'Heating Features: Gas'. Selected the Natural Gas option from the schedule for a 3-bedroom unit.
Cooking
$8
Property information lists 'Gas Stove' as an inclusion. Selected the Natural Gas option from the schedule for a 3-bedroom unit.
Water Heating
$24
The property has gas heating and cooking, so the water heater is inferred to be gas-powered as well. Selected the Natural Gas option.
Other Electric
$75
Standard allowance for general tenant electricity usage (lights, outlets, etc.) for a 3-bedroom unit.
Air Conditioning
$17
Central air conditioning is not listed as a feature. This allowance is for tenant-provided window AC units.
Water
$101
Property information specifies 'Water Source: Public'. Selected the allowance for a 3-bedroom unit.
Sewer
$147
Property information specifies 'Sewer: Public'. Selected the allowance for a 3-bedroom unit.
Range/Microwave
$18
A 'Gas Stove' (range) is provided, but a microwave is not explicitly included. This allowance is for a tenant-owned microwave.
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$265
DP3 Annual Estimate$595
DP1 Monthly Equivalent$22
DP3 Monthly Equivalent$50
Replacement Value$41,700
Basis1,102 sqft / 1948
Nearby Houses
Photo unavailable
646 Tarragonna St
off_market · 0.01 mi
Price: $112,000
2 bd / 1 ba · 1,159 sqft
Latest sale: $55,000 on Dec 01, 2023
Latest rent: $625 on May 16, 2019
Photo unavailable
25 Camfield St
sold · 0.08 mi
Price: $115,000
2 bd / 1 ba · 1,360 sqft
Latest sale: $115,000 on Nov 07, 2025
Latest rent: —
Photo unavailable
419 Alice St
sold · 0.09 mi
Price: $135,000
3 bd / 1 ba · 1,667 sqft
Latest sale: $135,000 on Oct 03, 2024
Latest rent: —
Photo unavailable
420 Arabella St
sold · 0.11 mi
Price: $70,000
3 bd / 1 ba
Latest sale: $70,000 on Aug 04, 2022
Latest rent: $1,350 on Dec 31, 2025
Photo unavailable
422 Alice St
sold · 0.11 mi
Price: $47,000
4 bd / 1 ba · 1,540 sqft
Latest sale: $47,000 on Jul 15, 2022
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Missing/unsafe front handrail and porch steps (unsafe stairs / broken handrails)
- Spalled/decayed concrete porch steps and threshold creating trip hazard
- Ceiling paint peeling/patching in rooms (indicative of past water intrusion that requires verification)
Assumptions
- A functioning central heating system and water heater are present but located out of view; floor vents indicate a forced-air distribution system.
- A gas range is present (visible). Carbon monoxide alarm is not visible in photos and is assumed absent.
- Only one smoke alarm is visible in photos; additional detectors (required in hallways/levels/inside bedrooms) may be missing.
- GFCI protection in kitchen and bathroom outlets is not visible and assumed absent until confirmed.
- No obvious active roof leaks are visible, but ceiling paint damage is assumed to be past water intrusion that needs verification.
- Electrical panel has a cover and appears intact in photo; internal condition and labeling were not inspected.
- Refrigerator is not pictured and may be missing; missing refrigerator reduces turn-key score moderately but is not a fatal safety issue.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,281 | $51,800 | $51,800 |
| 2024 | $1,193 | $51,800 | $51,800 |
| 2023 | $1,193 | $51,800 | $51,800 |
| 2022 | $1,177 | $51,800 | $51,800 |
| 2021 | $1,177 | $51,800 | $51,800 |
| 2020 | $1,172 | $51,800 | $51,800 |
| 2019 | $1,172 | $51,800 | $51,800 |
| 2018 | $1,172 | $51,800 | $51,800 |
| 2017 | $764 | $51,800 | $33,800 |
| 2016 | $922 | $51,800 | $33,800 |
| 2015 | $922 | $51,800 | $33,800 |
| 2014 | $877 | $51,800 | $33,800 |
| 2013 | $1,021 | $51,800 | $33,800 |
| 2012 | $1,465 | $48,200 | $33,200 |
| 2011 | $1,417 | $48,200 | $33,200 |
| 2010 | $1,347 | $48,200 | $33,200 |
| 2009 | $976 | $48,200 | $33,200 |
| 2008 | $976 | $48,200 | $33,200 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-12-07 | Sold | $70,000 |
| 2018-06-15 | Sold | $17,750 |
| 2017-12-26 | Sold | $13,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-04-09 | Listed for rent | $1,795 | — |
| 2020-01-07 | Listed for rent | $595 | — |
| 2019-11-07 | Listed for rent | $595 | — |
| 2019-01-07 | Listed for rent | $795 | — |
Photo Gallery
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"Directions: From Canfield, make L onto Tarragonna. Home sits on L.",
"Disclaimer: Information Deemed Reliable, But Not Guaranteed",
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"list_price": 22900,
"listing_id": "608062301",
"last_update_date": "2018-08-10T19:19:47Z",
"last_status_change_date": "2018-08-10T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1331815",
"price_change_percentage": null
},
{
"date": "2018-04-03",
"price": 28500,
"listing": {
"status": "off_market",
"list_date": "2017-12-28T07:00:00Z",
"list_price": 28500,
"listing_id": "605615961",
"last_update_date": "2018-03-14T16:08:17Z",
"last_status_change_date": "2017-12-28T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": "96 days",
"source_listing_id": "1316901",
"price_change_percentage": null
},
{
"date": "2018-03-14",
"price": 28500,
"listing": {
"status": "off_market",
"list_date": "2017-12-28T07:00:00Z",
"list_price": 28500,
"listing_id": "605615961",
"last_update_date": "2018-03-14T16:08:17Z",
"last_status_change_date": "2017-12-28T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": -100,
"days_after_listed": null,
"source_listing_id": "1316901",
"price_change_percentage": null
},
{
"date": "2018-03-13",
"price": 28600,
"listing": {
"status": "off_market",
"list_date": "2017-12-28T07:00:00Z",
"list_price": 28500,
"listing_id": "605615961",
"last_update_date": "2018-03-14T16:08:17Z",
"last_status_change_date": "2017-12-28T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": -200,
"days_after_listed": null,
"source_listing_id": "1316901",
"price_change_percentage": null
},
{
"date": "2018-03-10",
"price": 28800,
"listing": {
"status": "off_market",
"list_date": "2017-12-28T07:00:00Z",
"list_price": 28500,
"listing_id": "605615961",
"last_update_date": "2018-03-14T16:08:17Z",
"last_status_change_date": "2017-12-28T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": -100,
"days_after_listed": null,
"source_listing_id": "1316901",
"price_change_percentage": null
},
{
"date": "2018-02-19",
"price": 28900,
"listing": {
"status": "off_market",
"list_date": "2017-12-28T07:00:00Z",
"list_price": 28500,
"listing_id": "605615961",
"last_update_date": "2018-03-14T16:08:17Z",
"last_status_change_date": "2017-12-28T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": -1000,
"days_after_listed": null,
"source_listing_id": "1316901",
"price_change_percentage": null
},
{
"date": "2018-01-17",
"price": 29900,
"listing": {
"status": "off_market",
"list_date": "2017-12-28T07:00:00Z",
"list_price": 28500,
"listing_id": "605615961",
"last_update_date": "2018-03-14T16:08:17Z",
"last_status_change_date": "2017-12-28T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "1316901",
"price_change_percentage": null
},
{
"date": "2018-01-10",
"price": 34900,
"listing": {
"status": "off_market",
"list_date": "2017-12-28T07:00:00Z",
"list_price": 28500,
"listing_id": "605615961",
"last_update_date": "2018-03-14T16:08:17Z",
"last_status_change_date": "2017-12-28T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": -100,
"days_after_listed": null,
"source_listing_id": "1316901",
"price_change_percentage": null
},
{
"date": "2017-12-28",
"price": 35000,
"listing": {
"status": "off_market",
"list_date": "2017-11-10T07:00:00Z",
"list_price": 35000,
"listing_id": "604790753",
"last_update_date": "2017-12-27T18:49:36Z",
"last_status_change_date": "2017-12-20T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": "48 days",
"source_listing_id": "1311571",
"price_change_percentage": null
},
{
"date": "2017-12-28",
"price": 35000,
"listing": {
"status": "off_market",
"list_date": "2017-12-28T07:00:00Z",
"list_price": 28500,
"listing_id": "605615961",
"last_update_date": "2018-03-14T16:08:17Z",
"last_status_change_date": "2017-12-28T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1316901",
"price_change_percentage": null
},
{
"date": "2017-11-10",
"price": 35000,
"listing": {
"status": "off_market",
"list_date": "2017-11-10T07:00:00Z",
"list_price": 35000,
"listing_id": "604790753",
"last_update_date": "2017-12-27T18:49:36Z",
"last_status_change_date": "2017-12-20T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1311571",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Final",
"permit_type_of_work": "Residential - electrical - various",
"permit_effective_date": "Jul 19, 2018",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "4636933768",
"generated_at": "2026-02-24T23:56:25.967161Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 61.9
},
"utility_allowance": {
"zip_code": "15210",
"home_photo": "https://ap.rdcpix.com/201a3e693f104333bbf76c8c864167d9l-b74300373s-w1280.jpg",
"rent_price": 2480.0,
"loan_amount": 63996.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/650-Tarragonna-St_Pittsburgh_PA_15210_M46369-33768",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 79995.0,
"loan_term_years": 30,
"annual_cash_flow": 25034.57,
"mortgage_monthly": 425.77,
"payment_standard": 2952.0,
"total_amount_out": 15999.0,
"additional_photos": [
"https://ap.rdcpix.com/201a3e693f104333bbf76c8c864167d9l-b1128165260s-w1280.jpg",
"https://ap.rdcpix.com/201a3e693f104333bbf76c8c864167d9l-b2830657642s-w1280.jpg",
"https://ap.rdcpix.com/201a3e693f104333bbf76c8c864167d9l-b3672245224s-w1280.jpg",
"https://ap.rdcpix.com/201a3e693f104333bbf76c8c864167d9l-b3813586159s-w1280.jpg",
"https://ap.rdcpix.com/201a3e693f104333bbf76c8c864167d9l-b2223359424s-w1280.jpg",
"https://ap.rdcpix.com/201a3e693f104333bbf76c8c864167d9l-b3655302124s-w1280.jpg",
"https://ap.rdcpix.com/201a3e693f104333bbf76c8c864167d9l-b589444878s-w1280.jpg",
"https://ap.rdcpix.com/201a3e693f104333bbf76c8c864167d9l-b941507044s-w1280.jpg",
"https://ap.rdcpix.com/201a3e693f104333bbf76c8c864167d9l-b4084853866s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 35.83,
"monthly_cash_flow": 2086.21,
"property_tax_rate": 0.0168,
"_utility_allowance": {
"sources": [
"https://hacp.org/app/uploads/2025/10/2026-HCV-Utility-Allowance-Schedule.pdf",
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property information specifies 'Heating Features: Gas'. Selected the Natural Gas option from the schedule for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 82
},
{
"note": "Property information lists 'Gas Stove' as an inclusion. Selected the Natural Gas option from the schedule for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 8
},
{
"note": "The property has gas heating and cooking, so the water heater is inferred to be gas-powered as well. Selected the Natural Gas option.",
"utility": "Water Heating",
"allowance": 24
},
{
"note": "Standard allowance for general tenant electricity usage (lights, outlets, etc.) for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 75
},
{
"note": "Central air conditioning is not listed as a feature. This allowance is for tenant-provided window AC units.",
"utility": "Air Conditioning",
"allowance": 17
},
{
"note": "Property information specifies 'Water Source: Public'. Selected the allowance for a 3-bedroom unit.",
"utility": "Water",
"allowance": 101
},
{
"note": "Property information specifies 'Sewer: Public'. Selected the allowance for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 147
},
{
"note": "A 'Gas Stove' (range) is provided, but a microwave is not explicitly included. This allowance is for a tenant-owned microwave.",
"utility": "Range/Microwave",
"allowance": 18
}
],
"cash_on_cash_return": 1.56,
"down_payment_amount": 15999.0,
"property_tax_annual": 1319.43,
"property_tax_monthly": 109.95,
"property_tax_increase": 0.03,
"utility_allowance_total": 472.0,
"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": 19925.37,
"property_management_monthly": 248.0,
"monthly_cash_flow_after_debt": 1660.45,
"cash_on_cash_return_after_debt": 1.25
},
"section8_assessment": {
"runs": [
{
"summary": "Overall score 68 — the property is in the 'minor repairs' category and is likely to be rent-ready within ~30 days with targeted work. Main issues to address before a Housing Choice Voucher (HCV/NSPIRE) inspection: install/verify smoke and carbon monoxide alarms on each level and in bedrooms, install GFCI protection where required (kitchen/bath), provide a compliant handrail/guard for the front steps/porch and repair spalled concrete, verify there are no active roof/ceiling leaks and repair ceiling damage as needed. Mechanical/roofing items should be function-tested (heating, water heater, roof/soffit). If those corrections are made, the unit should pass an initial HCV inspection; as-is there is a moderate risk of inspection failures for alarm/GFCI and the unsafe-steps condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 68.0,
"rationale": "Interior photos show generally clean cosmetic updates (fresh paint, new carpet in bedrooms, laminate floors) but there are several visible deferred-maintenance items: peeling/patchy ceiling paint in multiple rooms, spalled concrete porch steps and worn threshold, awnings and exterior trim showing age, and some miscellaneous debris on the yard/driveway. Kitchen appears functional and a gas range is present; refrigerator is not shown. These are mostly cosmetic and moderate-repair items rather than major structural defects."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 58.0,
"rationale": "A smoke detector is visible in a bedroom which is positive, and windows appear present in bedrooms for egress. However several NSPIRE items are uncertain or likely noncompliant: no visible carbon monoxide alarm (gas range visible), GFCI protection in kitchen/bath not evident from photos, porch steps lack a handrail/guard (safety/egress concern), and ceiling patching suggests prior water intrusion (needs verification to confirm no active leak). Electrical panel is visible and appears to have a cover. Because required alarms/GFCIs and the missing handrail are likely to be flagged, safety risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC / plumbing / electrical / roof)",
"score": 60.0,
"rationale": "Visible floor registers and vents indicate a central heating distribution system is present; however no furnace/boiler or water heater are shown. Plumbing fixtures (sink, tub, toilet) appear intact and functional in photos. Electrical distribution panel is visible and appears intact. Roof and soffit areas show age and localized deterioration (visible exposed/aged soffit/overhang and older shingles) that raise medium-term risk but no active collapse or open holes are visible. Overall systems appear present but several components require functional verification (heating operation, water heater, roof integrity)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Brick exterior and stone foundation are generally intact. The porch/steps show concrete spalling and missing handrail; awnings/soffit and porch roof trim show deterioration. Driveway and yard have some cracks, weeds and debris but off-street parking and a private backyard are present. No visible standing water or major foundation displacement is observed from photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing/unsafe front handrail and porch steps (unsafe stairs / broken handrails)",
"Spalled/decayed concrete porch steps and threshold creating trip hazard",
"Ceiling paint peeling/patching in rooms (indicative of past water intrusion that requires verification)"
],
"confidence": 0.65,
"assumptions": [
"A functioning central heating system and water heater are present but located out of view; floor vents indicate a forced-air distribution system.",
"A gas range is present (visible). Carbon monoxide alarm is not visible in photos and is assumed absent.",
"Only one smoke alarm is visible in photos; additional detectors (required in hallways/levels/inside bedrooms) may be missing.",
"GFCI protection in kitchen and bathroom outlets is not visible and assumed absent until confirmed.",
"No obvious active roof leaks are visible, but ceiling paint damage is assumed to be past water intrusion that needs verification.",
"Electrical panel has a cover and appears intact in photo; internal condition and labeling were not inspected.",
"Refrigerator is not pictured and may be missing; missing refrigerator reduces turn-key score moderately but is not a fatal safety issue."
],
"overall_score": 68.0,
"rubric_version": "ns-p-air-2026-1"
},
{
"summary": "Overall the property appears mostly cosmetically updated and largely serviceable but has a few inspection-risk items that will likely need addressing prior to NSPIRE approval. Positive signs: clean interiors, installed gas range, visible electrical panel, functioning-looking vents, and a smoke alarm. Primary issues: missing/uncertain carbon monoxide detector given the gas range, likely lack of GFCI protection in the kitchen, missing outlet/switch plate(s), deteriorated/spalled front steps with no handrail, and localized exterior wood/soffit wear. These are fixable within a short timeline (typically under 30 days) but some (CO alarm, handrail, GFCI) are likely to be required for an initial HCV inspection pass.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior shows recent cosmetic work (paint, new carpet in bedrooms, laminate floors) and generally clean surfaces. Minor cosmetic defects visible: peeling paint on ceilings, small plaster/ceiling repairs needed, worn/rolled porch step edges with concrete spall, awning and porch trim wear, missing switch/outlet cover in at least one room, and no refrigerator shown in photos (stove present). These are mostly quick/low-cost repairs; missing fridge reduces readiness moderately but is not a safety/structural failure."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Some required items are present: functioning-looking smoke alarm visible in photos and an intact electrical panel. Visible concerns that create inspection risk: no carbon monoxide alarm visible (required where gas appliances are present), likely missing GFCI protection at kitchen sink (no GFCI receptacle shown), missing outlet/switch plate observed, and the front entry steps lack a handrail and have spalled concrete (trip/fall risk). Bedroom egress windows appear adequate. No exposed live wiring was observed. These issues are likely to generate at least conditional failures until corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC/plumbing/electrical/roof)",
"score": 60.0,
"rationale": "Visible mechanical indicators: wall/room vents suggest a functioning central heating distribution (exact heat source not photographed), electrical meter/panel present and appears intact, and a gas range is installed indicating active gas service. Water heater and furnace/boiler were not pictured. Roof appears aged but shows no overt sagging or active leaks in photos; some fascia/soffit wear near the porch eave suggests localized deterioration. Plumbing fixtures (kitchen sink, bathroom fixtures) appear intact. Overall systems look serviceable but lack documentation/visible equipment for full verification; may require service/inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 60.0,
"rationale": "Brick envelope looks sound with stone foundation visible and no obvious large foundation cracks. Front porch and steps show spalling and wear; porch awning and trim are aged and there is localized wood deterioration at the eave/soffit area. Yard and driveway areas show some neglect/weed growth but no standing water or obvious site drainage failure in photos. Off-street parking is present. Exterior issues are repairable but the porch steps/handrail and eave rot are immediate attention items for safety and curb appeal."
},
{
"key": "rental_history_activity",
"label": "Recent rental / occupancy activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No carbon monoxide detector visible while a gas range is installed (likely required).",
"Front entry steps are spalled and lack a handrail — trip/fall hazard and likely immediate repair required.",
"Likely missing GFCI protection at kitchen sink outlet(s) — common NSPIRE fail item.",
"Peeling/failed ceiling paint in bedrooms indicating localized water damage or deferred maintenance that needs investigation.",
"Missing outlet/switch cover(s) observed — simple but required correction prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Heating system (furnace/boiler) and water heater are present and functional though not pictured; presence inferred from wall vents and occupied-looking utilities.",
"No active roof leaks exist beyond minor fascia/soffit wear; no interior water stains consistent with active leakage aside from small ceiling paint peeling.",
"Carbon monoxide alarm is not present (not seen in photos) and will need installation because a gas stove is shown.",
"GFCI protection at kitchen sink is likely missing (no GFCI receptacle visible) and will require upgrade per inspection if absent.",
"Electrical system is assumed to be serviceable because the panel appears intact and there are no visible exposed live wires, but full electrical test not performed.",
"Missing refrigerator was noted in photos; if a rental requires a refrigerator, landlord must supply or tenant-supplied arrangement should be clarified.",
"Interior stairs and basement/attic conditions were not photographed; assume no collapsed ceilings or major structural failures unless discovered in a full inspection.",
"Porch step dimensions/riser count and local code specifics were not verified; lack of a handrail is treated as an inspection failure risk given the visible condition."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA single-family property presents as a mostly livable unit with cosmetic updates and functioning basic fixtures (stove present, sinks/tub/toilet present, vents visible). Key NSPIRE risks are moderate: missing/uncertain CO alarm, likely no visible GFCI protection in kitchen/bath, missing front stair handrail, localized soffit/porch deterioration, and ceiling paint peeling that suggests prior leakage. Major systems are not shown (furnace, water heater) but vents and utilities indicate they likely exist; however verification is required. With targeted repairs (install CO detector, install GFCIs, add handrail, repair porch steps/soffit, address small ceiling repairs, and supply a refrigerator if missing) this property is likely to pass an initial HCV inspection within 30–60 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior appears recently painted and floors/carpets are in acceptable condition; kitchen cabinets and counters are intact and a stove is present. Visible deferred maintenance includes peeling paint/patchy ceiling areas (possible prior water intrusion), spalling front steps/porch concrete, worn awnings, and some exterior wood/soffit deterioration above the porch. No collapsed ceilings or exposed subfloor were observed. A refrigerator is not shown in the photos and may be missing. Overall mostly cosmetic and medium-scope repairs; nothing in photos indicates full structural rehab is required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Smoke detector visible in a bedroom (good). Bedrooms have windows that appear to provide egress. Electrical panel is visible inside and appears covered. However, photos do not show a carbon monoxide alarm (required for gas appliances) and no GFCI outlets are visible in the kitchen/bath (likely deficiency). Front entry steps lack a handrail (potential safety violation), and there is localized soffit/roof damage above the porch which could indicate future water intrusion. No exposed live wiring was observed in interior photos, and no active standing water or collapsed ceilings were seen. Combined, these create moderate NSPIRE inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Plumbing fixtures (kitchen sink, bathroom sink/tub/toilet) and a gas stove are present. Wall/ floor vents visible suggesting a forced-air heating system exists. Electrical service appears intact with meter and overhead drop visible. Roof appears aged and soffit/egress over porch shows deterioration that may need repair; no obvious major roof collapse or structural sagging in photos. Water heater and furnace are not shown; their operability is assumed but not confirmed. Given visible evidence, systems likely functional but require verification (hot water, heating operational, venting, roof/soffit repair)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Brick/stone exterior and foundation appear generally intact with no large visible foundation displacement. Yard and driveway show neglect/overgrowth and cracked/spalled walkways. Front porch concrete is chipped and steps are spalled; awnings are worn. Soffit/under-eave near porch shows missing/rot wood that will need repair to prevent water/rodent entry. No visible standing water, no visible infestation evidence, and exterior envelope appears serviceable overall."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing front stair handrail (unsafe stairs / broken handrail)",
"No visible carbon monoxide alarm (required with gas appliances)",
"No visible GFCI protection in kitchen/bath (likely NSPIRE fail)",
"Localized soffit/roof deterioration above porch (needs repair to prevent water intrusion)",
"Peeling/failed ceiling finish in multiple rooms (possible prior leak needing follow-up)"
],
"confidence": 0.65,
"assumptions": [
"Forced-air heating and a water heater are present and functional (vent/return grilles visible) though neither unit is shown in photos.",
"Electrical service is live and panel cover is intact based on visible wall-mounted panel; no active exposed live wiring inside was observed.",
"Bedrooms' windows are operable and meet egress dimensions (appear adequate in photos), but measurements were not provided.",
"No refrigerator is visible in photos; assume refrigerator may be missing or tenant-supplied.",
"Carbon monoxide alarms and GFCI outlets are not visible in photos and are therefore assumed missing until confirmed.",
"Peeling/patchy ceiling paint represents prior minor water intrusion but not an active, large leak (no active staining or sagging shown)."
],
"overall_score": 60.0,
"rubric_version": "nsPIRE-v1.0-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "650 Tarragonna St, Pittsburgh, PA, 15210",
"aggregate": {
"summary": "Overall score 68 — the property is in the 'minor repairs' category and is likely to be rent-ready within ~30 days with targeted work. Main issues to address before a Housing Choice Voucher (HCV/NSPIRE) inspection: install/verify smoke and carbon monoxide alarms on each level and in bedrooms, install GFCI protection where required (kitchen/bath), provide a compliant handrail/guard for the front steps/porch and repair spalled concrete, verify there are no active roof/ceiling leaks and repair ceiling damage as needed. Mechanical/roofing items should be function-tested (heating, water heater, roof/soffit). If those corrections are made, the unit should pass an initial HCV inspection; as-is there is a moderate risk of inspection failures for alarm/GFCI and the unsafe-steps condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 67.7,
"rationale": "Interior photos show generally clean cosmetic updates (fresh paint, new carpet in bedrooms, laminate floors) but there are several visible deferred-maintenance items: peeling/patchy ceiling paint in multiple rooms, spalled concrete porch steps and worn threshold, awnings and exterior trim showing age, and some miscellaneous debris on the yard/driveway. Kitchen appears functional and a gas range is present; refrigerator is not shown. These are mostly cosmetic and moderate-repair items rather than major structural defects."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 61.7,
"rationale": "Brick exterior and stone foundation are generally intact. The porch/steps show concrete spalling and missing handrail; awnings/soffit and porch roof trim show deterioration. Driveway and yard have some cracks, weeds and debris but off-street parking and a private backyard are present. No visible standing water or major foundation displacement is observed from photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 56.0,
"rationale": "A smoke detector is visible in a bedroom which is positive, and windows appear present in bedrooms for egress. However several NSPIRE items are uncertain or likely noncompliant: no visible carbon monoxide alarm (gas range visible), GFCI protection in kitchen/bath not evident from photos, porch steps lack a handrail/guard (safety/egress concern), and ceiling patching suggests prior water intrusion (needs verification to confirm no active leak). Electrical panel is visible and appears to have a cover. Because required alarms/GFCIs and the missing handrail are likely to be flagged, safety risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC / plumbing / electrical / roof)",
"score": 60.0,
"rationale": "Visible floor registers and vents indicate a central heating distribution system is present; however no furnace/boiler or water heater are shown. Plumbing fixtures (sink, tub, toilet) appear intact and functional in photos. Electrical distribution panel is visible and appears intact. Roof and soffit areas show age and localized deterioration (visible exposed/aged soffit/overhang and older shingles) that raise medium-term risk but no active collapse or open holes are visible. Overall systems appear present but several components require functional verification (heating operation, water heater, roof integrity)."
}
],
"red_flags": [
"Missing/unsafe front handrail and porch steps (unsafe stairs / broken handrails)",
"Spalled/decayed concrete porch steps and threshold creating trip hazard",
"Ceiling paint peeling/patching in rooms (indicative of past water intrusion that requires verification)"
],
"confidence": 0.82,
"assumptions": [
"A functioning central heating system and water heater are present but located out of view; floor vents indicate a forced-air distribution system.",
"A gas range is present (visible). Carbon monoxide alarm is not visible in photos and is assumed absent.",
"Only one smoke alarm is visible in photos; additional detectors (required in hallways/levels/inside bedrooms) may be missing.",
"GFCI protection in kitchen and bathroom outlets is not visible and assumed absent until confirmed.",
"No obvious active roof leaks are visible, but ceiling paint damage is assumed to be past water intrusion that needs verification.",
"Electrical panel has a cover and appears intact in photo; internal condition and labeling were not inspected.",
"Refrigerator is not pictured and may be missing; missing refrigerator reduces turn-key score moderately but is not a fatal safety issue."
],
"score_method": "mean_of_criteria",
"overall_score": 61.9,
"rubric_version": "ns-p-air-2026-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4636933768"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.