Property ID: 4674721433
246 Lafayette Ave, Pittsburgh, PA, 15214
Pittsburgh, PA
Money Down: $27,576
CoC Return: 71.23%
Monthly Cash Flow: $1,637
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,980
Closing Costs
$4,596
Total Down
$27,576
Investment Snapshot
Purchase Price
$114,900
Money Down
$27,576
Cash-on-Cash Return
71.23%
Rent
$2,568
Monthly Cash Flow
$1,637
Annual Cash Flow
$19,641
Debt Service / Mo
$612
Property Tax / Mo
$42
Insurance / Mo
$20
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,568
Payment Standard
$3,179
Rent
$2,568
Insurance
$20
Property Tax
$42
Management
$257
Utilities Allowance
$611
NOI (Monthly)
$2,248
Debt Service
$612
Cash Flow After Debt
$1,637
Quality Score: 64.20%
Confidence: 81.00%
Based on the exterior photo and listing text, the property appears generally well maintained and likely to be rentable after routine, minor repairs. Major exterior structural failures are not evident. Key uncertainties remain for interior safety items (smoke/CO detectors, GFCI outlets, egress windows), mechanical systems (heating, water heater, electrical panel), and interior cosmetic/fixture conditions. With a typical tenant in place and the 'turn-key' claim, this house is likely to pass an initial HCV/NSPIRE inspection after quick verifications and minor fixes, but expect moderate follow-up to confirm detectors, GFCIs, and heating functionality.
Section 8 Payment Standard
$3,179
Utility Allowance Total
$611
Guaranteed Section 8 Rent (PS - Utilities)
$2,568
Property Management
$257
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$114,900
Beds
4
Baths
2
Living Area
1,890 sqft
Lot Size
3,075 sqft
Year Built
1900
Days on Market
193
Capital Outlay
$27,576
Debt Service
$612
Property Tax / Mo
$42
Insurance / Mo
$20
Property Description
Spacious 4-bedroom, 2-bath single-family home in Pittsburgh's Perry Hilltop neighborhood-perfect for investors seeking a turn-key, cash-flowing property. This well-maintained home already has a long-term tenant in place, offering stable income from day one. Located in a growing area with easy access to downtown Pittsburgh, this property is an excellent addition to any rental portfolio.
Utility Allowances
Heating
$90
Selected 'natural_gas' for a 4-bedroom unit. The property information explicitly states 'Heating Features: Gas'.
Cooking
$10
Selected 'natural_gas' for a 4-bedroom unit. The property has gas heating, so gas is assumed to be available and the most likely choice for cooking.
Water Heating
$29
Selected 'natural_gas' for a 4-bedroom unit. The property has gas heating, so gas is assumed to be the fuel source for water heating.
Other Electric
$92
Selected the fixed allowance for general electricity usage in a 4-bedroom unit.
Air Conditioning
$23
Selected the fixed allowance for air conditioning in a 4-bedroom unit, as this is a standard tenant-paid utility.
Water
$136
Selected the fixed allowance for a 4-bedroom unit. The property information confirms connection to 'Public' water.
Sewer
$194
Selected the fixed allowance for a 4-bedroom unit. The property information confirms connection to 'Public Sewer'.
Refrigerator
$19
Selected the allowance for a tenant-owned refrigerator for a 4-bedroom unit as it was not specified as included with the property.
Range/Microwave
$18
Selected the allowance for a tenant-owned range/microwave for a 4-bedroom unit as it was not specified as included with the property.
Trash Collection
$0
Utility schedule does not provide an allowance for trash collection for this property type. An allowance of $0 is assigned.
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$161
DP3 Annual Estimate$331
DP1 Monthly Equivalent$13
DP3 Monthly Equivalent$28
Replacement Value$12,000
Basis1,890 sqft / 1900
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Photo unavailable
2011 Mountford Ave
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2014 Letsche St
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Photo unavailable
221 Seabright St
sold · 0.09 mi
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2300 Osgood St
sold · 0.11 mi
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— bd / — ba
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- none_detected_from_exterior_photo
Assumptions
- Listing statement that the unit is 'turn-key' and has a long-term tenant is accurate and indicates generally maintained interior condition.
- Interior has basic functioning plumbing and hot water (not visible) unless inspection shows otherwise.
- Heating exists (likely gas or oil furnace in basement) despite no visible central HVAC; window ACs provide cooling for some rooms.
- No visible major roof failure or structural sagging based on the dormer/roofline in the provided photo.
- No interior evidence of severe mold, collapsed ceilings, or exposed subfloor unless discovered during inspection; exterior condition does not suggest active severe moisture intrusion.
- Lead-based paint risk is possible due to 1900 construction date; assumed to be manageable but requires disclosure/abatement if identified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $494 | $20,000 | $20,000 |
| 2024 | $460 | $20,000 | $20,000 |
| 2023 | $460 | $20,000 | $20,000 |
| 2022 | $454 | $20,000 | $20,000 |
| 2021 | $454 | $20,000 | $20,000 |
| 2020 | $452 | $20,000 | $20,000 |
| 2019 | $452 | $20,000 | $20,000 |
| 2018 | $452 | $20,000 | $20,000 |
| 2017 | $452 | $20,000 | $20,000 |
| 2016 | $457 | $20,000 | $20,000 |
| 2015 | $457 | $20,000 | $20,000 |
| 2014 | $438 | $20,000 | $20,000 |
| 2013 | $524 | $20,000 | $20,000 |
| 2012 | $547 | $18,000 | $18,000 |
| 2011 | $529 | $18,000 | $18,000 |
| 2010 | $529 | $18,000 | $18,000 |
| 2009 | $1,338 | $45,500 | $45,500 |
| 2008 | $1,338 | $45,500 | $45,500 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-02-16 | Sold | $100,000 |
| 2006-05-10 | Sold | $20,000 |
| 2002-11-25 | Sold | $18,000 |
| 2002-03-08 | Sold | $1,533 |
| 2000-01-13 | Sold | $52,000 |
| 1997-06-23 | Sold | $30,000 |
Photo Gallery
Show raw JSON (debug)
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"building": 8400
},
"assessment": {
"land": 9600,
"total": 18000,
"building": 8400
}
},
{
"tax": 1338,
"year": 2009,
"market": {
"land": 9600,
"total": 45500,
"building": 35900
},
"assessment": {
"land": 9600,
"total": 45500,
"building": 35900
}
},
{
"tax": 1338,
"year": 2008,
"market": {
"land": 9600,
"total": 45500,
"building": 35900
},
"assessment": {
"land": 9600,
"total": 45500,
"building": 35900
}
}
],
"property_history": [
{
"date": "2026-01-14",
"price": 114900,
"listing": {
"status": "for_sale",
"list_date": "2025-09-27T19:21:26Z",
"list_price": 114900,
"listing_id": "2986825971",
"last_update_date": "2026-01-14T13:20:04Z",
"last_status_change_date": "2025-09-27T19:21:26Z"
},
"event_name": "Price Changed",
"price_sqft": 60.79365079365079,
"source_name": "WestPenn",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "1723136",
"price_change_percentage": null
},
{
"date": "2025-10-13",
"price": 119900,
"listing": {
"status": "for_sale",
"list_date": "2025-09-27T19:21:26Z",
"list_price": 114900,
"listing_id": "2986825971",
"last_update_date": "2026-01-14T13:20:04Z",
"last_status_change_date": "2025-09-27T19:21:26Z"
},
"event_name": "Price Changed",
"price_sqft": 63.439153439153436,
"source_name": "WestPenn",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "1723136",
"price_change_percentage": null
},
{
"date": "2025-09-27",
"price": 124900,
"listing": {
"status": "for_sale",
"list_date": "2025-09-27T19:21:26Z",
"list_price": 114900,
"listing_id": "2986825971",
"last_update_date": "2026-01-14T13:20:04Z",
"last_status_change_date": "2025-09-27T19:21:26Z"
},
"event_name": "Listed",
"price_sqft": 66.08465608465609,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1723136",
"price_change_percentage": "+24.90%"
},
{
"date": "2024-02-21",
"price": 100000,
"listing": null,
"event_name": "Sold",
"price_sqft": 52.91005291005291,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-12.51%"
},
{
"date": "2024-02-20",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2023-10-09T13:40:20Z",
"list_price": 114300,
"listing_id": "2960369329",
"last_update_date": "2024-02-13T12:29:40Z",
"last_status_change_date": "2024-02-20T01:51:57Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": "134 days",
"source_listing_id": "1626742",
"price_change_percentage": null
},
{
"date": "2023-10-09",
"price": 114300,
"listing": {
"status": "off_market",
"list_date": "2023-10-09T13:40:20Z",
"list_price": 114300,
"listing_id": "2960369329",
"last_update_date": "2024-02-13T12:29:40Z",
"last_status_change_date": "2024-02-20T01:51:57Z"
},
"event_name": "Listed",
"price_sqft": 60.476190476190474,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1626742",
"price_change_percentage": "+119.81%"
},
{
"date": "2000-01-13",
"price": 52000,
"listing": null,
"event_name": "Sold",
"price_sqft": 27.513227513227513,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1997-06-23",
"price": 30000,
"listing": null,
"event_name": "Sold",
"price_sqft": 15.873015873015873,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1986-11-19",
"price": 25000,
"listing": null,
"event_name": "Sold",
"price_sqft": 13.227513227513228,
"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": "4674721433",
"generated_at": "2026-02-25T00:16:09.095269Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.2
},
"utility_allowance": {
"zip_code": "15214",
"home_photo": "https://ap.rdcpix.com/48032da0ac4025eca3a4b1f11e953c0al-m3973414870s-w1280.jpg",
"rent_price": 2568.0,
"loan_amount": 91920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/246-Lafayette-Ave_Pittsburgh_PA_15214_M46747-21433",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 114900.0,
"loan_term_years": 30,
"annual_cash_flow": 26979.58,
"mortgage_monthly": 611.55,
"payment_standard": 3179.0,
"total_amount_out": 22980.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 20.5,
"monthly_cash_flow": 2248.3,
"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 4-bedroom unit. The property information explicitly states 'Heating Features: Gas'.",
"utility": "Heating",
"allowance": 90
},
{
"note": "Selected 'natural_gas' for a 4-bedroom unit. The property has gas heating, so gas is assumed to be available and the most likely choice for cooking.",
"utility": "Cooking",
"allowance": 10
},
{
"note": "Selected 'natural_gas' for a 4-bedroom unit. The property has gas heating, so gas is assumed to be the fuel source for water heating.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "Selected the fixed allowance for general electricity usage in a 4-bedroom unit.",
"utility": "Other Electric",
"allowance": 92
},
{
"note": "Selected the fixed allowance for air conditioning in a 4-bedroom unit, as this is a standard tenant-paid utility.",
"utility": "Air Conditioning",
"allowance": 23
},
{
"note": "Selected the fixed allowance for a 4-bedroom unit. The property information confirms connection to 'Public' water.",
"utility": "Water",
"allowance": 136
},
{
"note": "Selected the fixed allowance for a 4-bedroom unit. The property information confirms connection to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 194
},
{
"note": "Selected the allowance for a tenant-owned refrigerator for a 4-bedroom unit as it was not specified as included with the property.",
"utility": "Refrigerator",
"allowance": 19
},
{
"note": "Selected the allowance for a tenant-owned range/microwave for a 4-bedroom unit as it was not specified as included with the property.",
"utility": "Range/Microwave",
"allowance": 18
},
{
"note": "Utility schedule does not provide an allowance for trash collection for this property type. An allowance of $0 is assigned.",
"utility": "Trash Collection",
"allowance": 0
}
],
"cash_on_cash_return": 1.17,
"down_payment_amount": 22980.0,
"property_tax_annual": 508.82,
"property_tax_monthly": 42.4,
"property_tax_increase": 0.03,
"utility_allowance_total": 611.0,
"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": 19641.03,
"property_management_monthly": 256.8,
"monthly_cash_flow_after_debt": 1636.75,
"cash_on_cash_return_after_debt": 0.85
},
"section8_assessment": {
"runs": [
{
"summary": "Based on the exterior photo and listing text, the property appears generally well maintained and likely to be rentable after routine, minor repairs. Major exterior structural failures are not evident. Key uncertainties remain for interior safety items (smoke/CO detectors, GFCI outlets, egress windows), mechanical systems (heating, water heater, electrical panel), and interior cosmetic/fixture conditions. With a typical tenant in place and the 'turn-key' claim, this house is likely to pass an initial HCV/NSPIRE inspection after quick verifications and minor fixes, but expect moderate follow-up to confirm detectors, GFCIs, and heating functionality.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior appearance from listing photo is generally well maintained: intact brick, porch in place, steps and railing present, windows intact and in-use (window ACs visible). Listing describes 'turn-key' and a long-term tenant which supports a well-maintained interior. No obvious exterior deferred maintenance or vandalism. Because interior photos and appliance inventory are not provided, moderate uncertainty remains; missing interior issues (flooring, minor cosmetic repairs, missing appliances) could exist but are likely easy/medium fixes rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 60.0,
"rationale": "No obvious life‑threatening exterior hazards visible (no collapsed structure, no standing water, steps have a handrail). However key NSPIRE safety items cannot be confirmed from the exterior photo or listing: presence and placement of smoke and CO detectors, GFCI receptacles in kitchen/baths, bedroom egress sizing, condition of interior stairs/handrails, and electrical panel/wiring condition. The property's age (built 1900) raises likelihood of older wiring and potential lead-based paint risk, increasing inspection risk. Given the intact exterior and tenant-occupied claim, moderate safety risk is assumed pending interior verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 55.0,
"rationale": "Visible window AC units indicate functional cooling in at least some rooms but no central HVAC is visible from exterior photos (common for houses of this era). Roof and dormer appear intact in the photo with no visible sagging or active leaks, and chimney looks set. However, mechanical systems (furnace, water heater, electrical panel, plumbing fixtures, hot water availability) are unverified. Given building age, expect potential near-term system updates or maintenance; therefore moderate risk for systems-related inspection failures until interior/system documentation or recent service records are provided."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Front façade, porch, and primary entry are presentable with intact masonry and steps. The small front yard shows some overgrowth but no obvious trip hazards, severe drainage failures, or infestation evidence from the single photo. Basement/egress windows are close to grade which can increase moisture risk but no active standing water or severe foundation displacement is visible. Walkway and handrail exist. Overall exterior/site is in fair-to-good condition but some yard cleanup and verification of drainage away from foundation is recommended."
}
],
"red_flags": [
"none_detected_from_exterior_photo"
],
"confidence": 0.55,
"assumptions": [
"Listing statement that the unit is 'turn-key' and has a long-term tenant is accurate and indicates generally maintained interior condition.",
"Interior has basic functioning plumbing and hot water (not visible) unless inspection shows otherwise.",
"Heating exists (likely gas or oil furnace in basement) despite no visible central HVAC; window ACs provide cooling for some rooms.",
"No visible major roof failure or structural sagging based on the dormer/roofline in the provided photo.",
"No interior evidence of severe mold, collapsed ceilings, or exposed subfloor unless discovered during inspection; exterior condition does not suggest active severe moisture intrusion.",
"Lead-based paint risk is possible due to 1900 construction date; assumed to be manageable but requires disclosure/abatement if identified."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on the single exterior photo and listing, the property appears to be in fair condition with no immediate life-threatening exterior defects visible. There are signs of deferred maintenance at the front porch/foundation and uncertainty about major systems (no visible central heating, window AC present). Lack of interior photos prevents verification of required safety items (smoke/CO detectors, GFCI, hot water, functioning plumbing). Likely requires minor-to-moderate work (safety verifications, potential heating or electrical updates, porch/foundation repair) before a NSPIRE/Section 8 initial inspection can be confidently passed; estimated turnaround to reach pass-ready is roughly 2–6 weeks depending on interior condition and system verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 65.0,
"rationale": "Exterior photo shows a generally intact brick facade and covered front porch but visible patching at the porch/foundation area (different masonry/block work), worn concrete steps and some vegetation encroachment. No obvious severe exterior structural collapse or fire damage. Missing interior photos prevent assessment of flooring, drywall, kitchens and baths; listing claims a long-term tenant and 'turn-key' condition which supports moderate confidence in interior condition. Missing appliances were not observable; since absence alone is not an automatic failure, score reduced moderately for visible exterior deferred maintenance and likely cosmetic/interior updates."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No interior photos to confirm presence/placement of smoke or CO detectors, GFCI outlets, handrails, or egress window compliance. Exterior steps show a handrail that is small/uncertain and the front porch wall/foundation shows patching that could indicate past water intrusion—both potential safety issues. No visible exposed wiring or active roof leaks in the provided exterior image. Because many required safety elements cannot be verified from the single exterior photo (smoke/CO detectors, interior mold, plumbing/hot water, electrical panel), there is a meaningful inspection risk, so score is in the moderate range."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 55.0,
"rationale": "Only exterior evidence is a window AC unit visible in the dormer—no visible exterior HVAC condenser, and no interior photos to confirm a heating system, water heater, or condition of electrical/plumbing. Roof and chimney appear intact from the front view (no sagging or obvious missing shingles), but the building's 1900 construction increases probability of older mechanical systems and potential need for updates. The unknown condition of heating (no visible central heating) and lack of verification for hot water, plumbing fixtures and electrical panel lowers the score."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Brick walls and windows appear generally intact; roofline and dormer look serviceable from the street photo. However, the front porch lower wall has a patch/repair with differing masonry materials that may indicate prior foundation/porch issues. Vegetation along the left side is overgrown and could mask drainage or foundation issues. Walkway and steps show wear. No visible standing water, collapsed elements, or severe exterior damage from the provided image."
}
],
"red_flags": [
"No visible central heating system (only window AC unit observed) — potential heating risk for inspection if no working heating source is present.",
"Front porch/foundation shows notable patching/different masonry materials — possible prior foundation/moisture issues that may conceal structural or water-intrusion problems.",
"Front steps/handrail condition uncertain — potential broken or insufficient handrail which can be an inspection failure for exterior stairs."
],
"confidence": 0.55,
"assumptions": [
"Interior condition (floors, walls, kitchens, bathrooms, detectors) is unknown; listing statement 'turn-key' and tenant in place are taken as partial support for functional interior systems.",
"Window AC unit in the dormer is the only observable cooling; no external central HVAC condenser was visible from the provided photo.",
"No visible evidence of active roof leak or collapsed structure from the single front-facing exterior photo; roof assumed serviceable unless interior leaks are reported.",
"The patched/altered masonry at the porch foundation indicates past repair but not necessarily active foundation movement; further inspection needed.",
"Listing's claimed long-term tenant exists but rental history database check is missing; assume occupancy but no recent public rental-event record."
],
"overall_score": 62.0,
"rubric_version": "ns_pire_2026_v1"
},
{
"summary": "Based on exterior photos and the listing, the property appears to be in generally good exterior condition for a 1900 single-family and is likely to be rentable with moderate work. The primary unknowns are interior safety and systems: presence and placement of smoke/CO detectors, condition of heating/plumbing/electrical systems, egress on upper-floor bedrooms (dormer), and potential lead-based paint. With typical minor repairs and verification/possible remediation of detectors, egress, and lead-risk issues, this property has a good chance to pass an initial HCV/NSPIRE inspection within a 30-day window. Recommend an interior inspection focusing on smoke/CO detectors, GFCIs, electrical panel labeling, heating and hot water operation, and testing for lead paint and window egress before listing as Section 8 ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 72.0,
"rationale": "Exterior photos show a generally intact, well-maintained brick façade and porch with minor cosmetic wear (discolored foundation, some vegetation at the base, older trim paint). No visible collapsed elements, major exterior structural damage, or severe deterioration. Listing describes the property as 'well-maintained' and turn-key with a long-term tenant; absent interior photos, assume interior is liveable but may have typical wear for a 1900 build. Missing interior appliance/fixture status cannot be confirmed; missing stove/fridge would be an easy-to-fix capital item and was not presumed. Score reflects mostly minor repairs and reasonable cosmetic deferred maintenance."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 58.0,
"rationale": "Safety-critical items cannot be confirmed from the single exterior photo: no smoke or CO detectors are visible (interior not shown), GFCI outlets and electrical panel condition not visible, egress windows for upper-floor/dormer bedrooms uncertain, and interior stair/handrail condition unknown. The front steps have a handrail on one side; porch wall acts as guard in front. Because the home was built in 1900 there is a reasonably high likelihood of lead-based paint unless abated. No visible active water intrusion, major roof sag, collapsed ceilings, or exposed wiring from the exterior image. Given unknown interior compliance but no observable life-threatening exterior hazards, this is a moderate safety risk that will require interior verification."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Roof and chimney visible from street appear intact with no obvious collapse or major failure, but detailed roof condition and age cannot be verified. A window AC unit is visible (suggesting at least window cooling; central HVAC presence is unconfirmed). No exterior furnace or HVAC condenser is visible; water heater, heating system, plumbing, and electrical system conditions are unknown from the photo. Given the house age and missing interior/system photos, moderate score reflects plausible functionality but requires inspection of heating, hot water, electrical panel, and plumbing to confirm NSPIRE compliance."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 74.0,
"rationale": "Brick exterior and porch are intact; front steps and walkway are serviceable though show normal wear. Vegetation along foundation is dense and should be cleared to reduce moisture risk. No obvious major foundation movement, significant settlement, or standing water is shown. Adjacent properties are close and the lot is small; driveway/side yard not fully visible. Overall the exterior presents as maintained with typical yard/site items to address."
}
],
"red_flags": [
"Potential lead-based paint risk (property built 1900) — requires testing/clearance or abatement documentation.",
"No visible smoke or carbon monoxide detectors in provided images — must verify correct placement and functionality.",
"Upper-floor dormer window egress unclear from photos — verify that all bedrooms meet egress size/egress path requirements.",
"Window AC present with no visible exterior HVAC condenser — verify functional and code-compliant heating system for winter occupancy.",
"Dense vegetation adjacent to foundation which can contribute to moisture/drainage issues if not corrected."
],
"confidence": 0.45,
"assumptions": [
"Listing text stating a long-term tenant and 'well-maintained' condition is accurate and reflects a generally serviceable interior.",
"No active roof leaks or collapsed ceilings exist unseen in exterior photo; roof visible area appears intact.",
"Heating system and hot water exist and are functional (typical for an occupied long-term rental in Pittsburgh), though equipment condition is unverified.",
"Interior safety devices (smoke/CO detectors, GFCIs) are not visible in photos and must be verified; assume they may be missing or improperly located until confirmed.",
"Windows/egress for bedrooms (especially the third-floor dormer) are uncertain; assume at least one bedroom may require egress verification/modification.",
"Property built in 1900 likely has original or older paint that could contain lead unless previously tested/abated."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "246 Lafayette Ave, Pittsburgh, PA, 15214",
"aggregate": {
"summary": "Based on the exterior photo and listing text, the property appears generally well maintained and likely to be rentable after routine, minor repairs. Major exterior structural failures are not evident. Key uncertainties remain for interior safety items (smoke/CO detectors, GFCI outlets, egress windows), mechanical systems (heating, water heater, electrical panel), and interior cosmetic/fixture conditions. With a typical tenant in place and the 'turn-key' claim, this house is likely to pass an initial HCV/NSPIRE inspection after quick verifications and minor fixes, but expect moderate follow-up to confirm detectors, GFCIs, and heating functionality.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.7,
"rationale": "Exterior appearance from listing photo is generally well maintained: intact brick, porch in place, steps and railing present, windows intact and in-use (window ACs visible). Listing describes 'turn-key' and a long-term tenant which supports a well-maintained interior. No obvious exterior deferred maintenance or vandalism. Because interior photos and appliance inventory are not provided, moderate uncertainty remains; missing interior issues (flooring, minor cosmetic repairs, missing appliances) could exist but are likely easy/medium fixes rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 69.7,
"rationale": "Front façade, porch, and primary entry are presentable with intact masonry and steps. The small front yard shows some overgrowth but no obvious trip hazards, severe drainage failures, or infestation evidence from the single photo. Basement/egress windows are close to grade which can increase moisture risk but no active standing water or severe foundation displacement is visible. Walkway and handrail exist. Overall exterior/site is in fair-to-good condition but some yard cleanup and verification of drainage away from foundation is recommended."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 59.3,
"rationale": "No obvious life‑threatening exterior hazards visible (no collapsed structure, no standing water, steps have a handrail). However key NSPIRE safety items cannot be confirmed from the exterior photo or listing: presence and placement of smoke and CO detectors, GFCI receptacles in kitchen/baths, bedroom egress sizing, condition of interior stairs/handrails, and electrical panel/wiring condition. The property's age (built 1900) raises likelihood of older wiring and potential lead-based paint risk, increasing inspection risk. Given the intact exterior and tenant-occupied claim, moderate safety risk is assumed pending interior verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 56.7,
"rationale": "Visible window AC units indicate functional cooling in at least some rooms but no central HVAC is visible from exterior photos (common for houses of this era). Roof and dormer appear intact in the photo with no visible sagging or active leaks, and chimney looks set. However, mechanical systems (furnace, water heater, electrical panel, plumbing fixtures, hot water availability) are unverified. Given building age, expect potential near-term system updates or maintenance; therefore moderate risk for systems-related inspection failures until interior/system documentation or recent service records are provided."
}
],
"red_flags": [
"none_detected_from_exterior_photo"
],
"confidence": 0.81,
"assumptions": [
"Listing statement that the unit is 'turn-key' and has a long-term tenant is accurate and indicates generally maintained interior condition.",
"Interior has basic functioning plumbing and hot water (not visible) unless inspection shows otherwise.",
"Heating exists (likely gas or oil furnace in basement) despite no visible central HVAC; window ACs provide cooling for some rooms.",
"No visible major roof failure or structural sagging based on the dormer/roofline in the provided photo.",
"No interior evidence of severe mold, collapsed ceilings, or exposed subfloor unless discovered during inspection; exterior condition does not suggest active severe moisture intrusion.",
"Lead-based paint risk is possible due to 1900 construction date; assumed to be manageable but requires disclosure/abatement if identified."
],
"score_method": "mean_of_criteria",
"overall_score": 64.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4674721433"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.