Property ID: 4684859450
727 S Detroit St, Kenton, OH, 43326
Kenton, OH
Money Down: $32,400
CoC Return: 1.42%
Monthly Cash Flow: $38
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$27,000
Closing Costs
$5,400
Total Down
$32,400
Investment Snapshot
Purchase Price
$135,000
Money Down
$32,400
Cash-on-Cash Return
1.42%
Rent
$969
Monthly Cash Flow
$38
Annual Cash Flow
$460
Debt Service / Mo
$719
Property Tax / Mo
$78
Insurance / Mo
$37
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$969
Payment Standard
$1,230
Rent
$969
Insurance
$37
Property Tax
$78
Management
$97
Utilities Allowance
$261
NOI (Monthly)
$757
Debt Service
$719
Cash Flow After Debt
$38
Quality Score: 78.00%
Confidence: 89.00%
This single-family ranch is close to turnkey for a Housing Choice Voucher inspection. Interior finishes and appliances appear present and in good condition, the roof and HVAC (per listing) are recent, and no active life‑threatening hazards are visible. Remaining inspection risks are mainly documentation/verification items (CO detector, GFCI outlets, electrical panel access, deadbolt) and a few minor exterior/porch repairs. With installation/verification of required detectors and confirmation of electrical/plumbing systems, it is likely to pass an initial NSPIRE/HCV inspection with only minor repairs.
Section 8 Payment Standard
$1,230
Utility Allowance Total
$261
Guaranteed Section 8 Rent (PS - Utilities)
$969
Property Management
$97
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$135,000
Beds
3
Baths
1
Living Area
1,124 sqft
Lot Size
—
Year Built
—
Days on Market
226
Capital Outlay
$32,400
Debt Service
$719
Property Tax / Mo
$78
Insurance / Mo
$37
Property Description
3 Bedroom 1 Bath ranch home with large yard and detached 1 car building! This cute home has a metal roof, with furnace and central air approximately 2 years old! Large kitchen and appliances all stay. Refrigerator, stove, dishwasher, microwave, washer and dryer. Spacious front porch that wraps around from the front to the side. Nice mud room and laundry room off the back door for convenience. The detached block building has a lot of space to use your imagination, plus a 1 car overhead garage door. Great starter home with everything conveniently located on one floor. ! All room dimensions are approximate.
Utility Allowances
Heating
$75
Selected 'Natural Gas' as the property information explicitly states 'Heating Features: Forced Air, Natural Gas'.
Cooking
$13
The property has both natural gas and electricity. The stove's fuel type is unspecified, so the more expensive 'Electric' option was chosen per the rules.
Water Heating
$41
Selected 'Electric' as the property details explicitly list an 'Electric Water Heater'.
Other Electric
$39
This is a standard allowance for general electricity usage (lights, outlets, etc.) not covered by other specific utility categories.
Water
$32
The property is connected to 'Public' water as stated in the property details.
Sewer
$36
The property is connected to a 'Public Sewer' system as stated in the property details.
Trash Collection
$25
Trash collection is a standard service for a single-family home and is assumed to be the tenant's responsibility.
Air Conditioning
$0
The property has central air, but the utility schedule does not provide a separate allowance. This cost is assumed to be included in the 'Other Electric' allowance.
Refrigerator
$0
The property description states that a refrigerator is provided by the landlord, so no allowance is given for a tenant-owned appliance.
Range
$0
The property description states a range/stove is provided by the landlord, so no allowance is given for a tenant-owned appliance.
Source References
Payment Standard Source
Effective Date:
Dec 01, 2025
Utility Allowance Source
Effective Date:
Aug 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$439
DP3 Annual Estimate$459
DP1 Monthly Equivalent$37
DP3 Monthly Equivalent$38
Replacement Value$51,860
Basis1,124 sqft / 1910
Nearby Houses
Photo unavailable
703 S Detroit St
sold · 0.05 mi
Price: $131,000
3 bd / 1 ba · 1,682 sqft
Latest sale: $131,000 on Aug 30, 2024
Latest rent: —
Photo unavailable
702 S Main St
sold · 0.05 mi
Price: $146,000
3 bd / 2 ba · 1,652 sqft
Latest sale: $146,000 on Oct 25, 2023
Latest rent: —
Photo unavailable
704 S Detroit St
sold · 0.06 mi
Price: $49,900
3 bd / 1 ba · 1,226 sqft
Latest sale: $49,900 on Apr 02, 2024
Latest rent: —
Photo unavailable
836 S Main St
sold · 0.07 mi
Price: $137,000
3 bd / 1 ba · 1,715 sqft
Latest sale: $137,000 on Aug 20, 2024
Latest rent: —
Photo unavailable
818 S Detroit St
sold · 0.07 mi
Price: $16,500
— bd / — ba
Latest sale: $16,500 on Apr 25, 2022
Latest rent: —
Photo unavailable
801 S Main St
sold · 0.07 mi
Price: $185,000
3 bd / 1 ba · 2,183 sqft
Latest sale: $185,000 on May 21, 2025
Latest rent: —
Photo unavailable
634 S Main St
sold · 0.08 mi
Price: $94,900
3 bd / 1 ba · 1,970 sqft
Latest sale: $94,900 on Sep 09, 2022
Latest rent: —
Photo unavailable
639 S Main St
for_sale · 0.10 mi
Price: $174,950
2 bd / 2 ba · 1,608 sqft
Latest sale: $60,000 on Jul 17, 2025
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that furnace and central air are ~2 years old is accurate and units are operational.
- Kitchen appliances listed (refrigerator, stove, dishwasher, microwave, washer/dryer) are present and in working order as claimed (only dishwasher and counters are visible).
- No active roof leaks or prior water intrusion exist despite no interior ceiling stains visible; slight ceiling texture irregularities are cosmetic.
- Electrical panel, water heater, and plumbing fixtures are functional though not photographed; lack of visible exposed wiring infers basic electrical safety.
- Carbon monoxide detector and GFCI outlets are not visible in photos; scoring assumes these may be missing or not verifiable and deducts modestly for that uncertainty.
- Bedroom egress windows exist (not all bedrooms photographed) and are adequate for emergency escape based on visible window sizes and typical layout of a 3-bed ranch.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $907 | $58,030 | $20,310 |
| 2024 | $913 | $58,030 | $20,310 |
| 2023 | $837 | $58,030 | $20,310 |
| 2022 | $696 | $42,200 | $14,770 |
| 2021 | $713 | $42,200 | $14,770 |
| 2020 | $761 | $42,200 | $14,770 |
| 2019 | $706 | $34,650 | $12,130 |
| 2018 | $499 | $34,650 | $12,130 |
| 2017 | $782 | $34,650 | $12,130 |
| 2016 | $428 | $31,480 | $11,020 |
| 2015 | $407 | $31,480 | $11,020 |
| 2014 | $406 | $31,480 | $11,020 |
| 2013 | $461 | $34,280 | $12,000 |
| 2012 | $458 | $34,280 | $12,000 |
| 2011 | $461 | $34,280 | $12,000 |
| 2009 | $377 | $32,230 | $11,280 |
| 2008 | $365 | $32,230 | $11,280 |
| 2006 | $351 | $30,860 | $10,800 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-08-28 | Sold | $104,000 |
| 2020-03-10 | Sold | $59,000 |
Photo Gallery
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"total_amount_out": 27000.0,
"additional_photos": [
"https://ap.rdcpix.com/9884c02c1129a21b56f299272fdee243l-m4035487374s-w1280.jpg",
"https://ap.rdcpix.com/9884c02c1129a21b56f299272fdee243l-m864568825s-w1280.jpg",
"https://ap.rdcpix.com/9884c02c1129a21b56f299272fdee243l-m3393578543s-w1280.jpg",
"https://ap.rdcpix.com/9884c02c1129a21b56f299272fdee243l-m384365651s-w1280.jpg",
"https://ap.rdcpix.com/9884c02c1129a21b56f299272fdee243l-m1456255877s-w1280.jpg",
"https://ap.rdcpix.com/9884c02c1129a21b56f299272fdee243l-m2326937788s-w1280.jpg",
"https://ap.rdcpix.com/9884c02c1129a21b56f299272fdee243l-m1786265813s-w1280.jpg",
"https://ap.rdcpix.com/9884c02c1129a21b56f299272fdee243l-m1925118091s-w1280.jpg",
"https://ap.rdcpix.com/9884c02c1129a21b56f299272fdee243l-m882850526s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 37.42,
"monthly_cash_flow": 756.83,
"property_tax_rate": 0.011200000000000002,
"_utility_allowance": {
"sources": [
"https://hancockmetro.com/wp-content/uploads/2025/04/2025-Utility-Allowance-Schedules-effective-8-1-2025.pdf"
],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "Selected 'Natural Gas' as the property information explicitly states 'Heating Features: Forced Air, Natural Gas'.",
"utility": "Heating",
"allowance": 75
},
{
"note": "The property has both natural gas and electricity. The stove's fuel type is unspecified, so the more expensive 'Electric' option was chosen per the rules.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Selected 'Electric' as the property details explicitly list an 'Electric Water Heater'.",
"utility": "Water Heating",
"allowance": 41
},
{
"note": "This is a standard allowance for general electricity usage (lights, outlets, etc.) not covered by other specific utility categories.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "The property is connected to 'Public' water as stated in the property details.",
"utility": "Water",
"allowance": 32
},
{
"note": "The property is connected to a 'Public Sewer' system as stated in the property details.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "Trash collection is a standard service for a single-family home and is assumed to be the tenant's responsibility.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "The property has central air, but the utility schedule does not provide a separate allowance. This cost is assumed to be included in the 'Other Electric' allowance.",
"utility": "Air Conditioning",
"allowance": 0
},
{
"note": "The property description states that a refrigerator is provided by the landlord, so no allowance is given for a tenant-owned appliance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property description states a range/stove is provided by the landlord, so no allowance is given for a tenant-owned appliance.",
"utility": "Range",
"allowance": 0
}
],
"cash_on_cash_return": 0.34,
"down_payment_amount": 27000.0,
"property_tax_annual": 934.21,
"property_tax_monthly": 77.85,
"property_tax_increase": 0.03,
"utility_allowance_total": 261.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hancockmetro.com",
"https://hancockmetro.com/wp-content/uploads/2025/10/2026-Payment-Standards.pdf"
],
"effective_date": "2025-12-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 459.67,
"property_management_monthly": 96.9,
"monthly_cash_flow_after_debt": 38.31,
"cash_on_cash_return_after_debt": 0.02
},
"section8_assessment": {
"runs": [
{
"summary": "This single-family ranch is close to turnkey for a Housing Choice Voucher inspection. Interior finishes and appliances appear present and in good condition, the roof and HVAC (per listing) are recent, and no active life‑threatening hazards are visible. Remaining inspection risks are mainly documentation/verification items (CO detector, GFCI outlets, electrical panel access, deadbolt) and a few minor exterior/porch repairs. With installation/verification of required detectors and confirmation of electrical/plumbing systems, it is likely to pass an initial NSPIRE/HCV inspection with only minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show generally good cosmetic condition: clean carpets, intact drywall, painted walls, functioning ceiling fans, and an updated-looking kitchen with countertops, cabinets and a dishwasher. Listing states refrigerator, stove, microwave, washer and dryer remain. Exterior metal roof appears in good shape and siding is intact. Minor items observed: leaning mailbox, small worn landscaping strip at front entry, and porch posts that show weathering but no structural failure. No evidence of active water stains, major flooring failure, or collapsed ceilings. Missing cosmetic repairs only; appliances presence reduces penalty."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "Positive: visible smoke detector in main living area, windows present in living spaces (likely egress), no visible exposed wiring, no visible mold or major water intrusion, and listing confirms a furnace with central air (~2 years old). Unconfirmed/negative: carbon monoxide detector not visible in photos (required if fuel-burning appliances present), GFCI outlet presence in kitchen/bath not verifiable from images, electrical panel not shown, deadbolt on main entry not visible. Porch step/entry appears to have at least one small step (no handrail shown) — may need a handrail depending on step height. Because several required items are not visible, a modest deduction applied even though no life‑threatening hazards are evident."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 80.0,
"rationale": "Listing states furnace and central air are approximately 2 years old (positive). Exterior shows a metal roof which appears intact and in good condition. Kitchen plumbing fixtures visible and appear functional; dishwasher present. Water heater, electrical panel, and HVAC distribution components are not shown so their condition is assumed typical and serviceable. No signs of active roof leaks, major plumbing leaks, or heating system failure in pictures. Moderate uncertainty where systems aren't visible reduces the score slightly."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Front yard and lot appear level and well maintained. Siding and gutters are present and functioning (downspouts visible). Metal roof looks recently installed or in good order. Detached block building/garage mentioned in listing (not fully photographed) is positive for tenant storage/parking. Minor exterior items: mailbox leaning, small landscaping maintenance needed, and porch posts show weathering but appear serviceable. No visible foundation cracks, standing water, or infestation signs in provided photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement that furnace and central air are ~2 years old is accurate and units are operational.",
"Kitchen appliances listed (refrigerator, stove, dishwasher, microwave, washer/dryer) are present and in working order as claimed (only dishwasher and counters are visible).",
"No active roof leaks or prior water intrusion exist despite no interior ceiling stains visible; slight ceiling texture irregularities are cosmetic.",
"Electrical panel, water heater, and plumbing fixtures are functional though not photographed; lack of visible exposed wiring infers basic electrical safety.",
"Carbon monoxide detector and GFCI outlets are not visible in photos; scoring assumes these may be missing or not verifiable and deducts modestly for that uncertainty.",
"Bedroom egress windows exist (not all bedrooms photographed) and are adequate for emergency escape based on visible window sizes and typical layout of a 3-bed ranch."
],
"overall_score": 80.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed ranch appears largely rent-ready with mostly cosmetic items to address. The roof and exterior look sound, the interior is clean with updated HVAC reportedly ~2 years old, and the kitchen/appliances are present. The primary inspection risks are code items that are not visible or not shown in listing photos: carbon monoxide alarm (not visible), GFCI protection at kitchen sink (not visible), verification of proper bedroom egress windows and the main electrical panel. None of the photos show structural sagging, active leaks, collapsed ceilings, or severe mold. With verification of CO alarm, GFCI outlets (or GFCI breakers), functioning smoke alarms in all required locations, and confirmation of water heater and electrical panel condition, this property would likely pass an initial HCV/NSPIRE inspection after addressing minor items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show mostly cosmetic condition: clean carpets, painted walls, intact cabinetry and countertops, and functioning doors/windows. Kitchen appears complete and listing states appliances stay (fridge, stove, dishwasher, microwave, washer/dryer) which reduces repair needs. Ceilings have textured finish with minor imperfections but no obvious active leaks or collapsed areas. Porch posts and mailbox show minor wear but no structural failure visible. Overall items are minor/cosmetic and easy-to-fix."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "One smoke detector is visible in living area (photo). No carbon monoxide detector is visible (likely required if fuel-burning furnace present). GFCI protection at kitchen sink is not visible and may be missing. No exposed wiring observed in photos and no visible major water intrusion, mold, or ceiling collapse. Bedroom egress windows and locking deadbolt presence cannot be confirmed from images. Missing/uncertain items (CO alarm, GFCI, egress confirmation, verified locks) create moderate inspection risk even though no life-threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 75.0,
"rationale": "Listing states furnace and central air are approximately 2 years old; exterior metal roof appears in good condition in multiple photos and gutters/downspouts are present. Kitchen sink and dishwasher visible; no obvious plumbing leaks inside. Electrical panel and water heater are not shown so their condition is unknown. Based on listing and visible equipment, major systems likely functional but a few verification items (water heater, electrical panel, GFCI locations) remain."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and safety",
"score": 80.0,
"rationale": "Exterior vinyl siding, metal roof, gutters/downspouts, and yard appear well maintained. Large yard and detached masonry garage/building are positive. Walkways and front yard are flat and free of visible standing water. Porch appears serviceable though a small step/porch handrail is not shown (not obviously failing). No visible foundation cracking, sagging roof, or standing water seen in provided photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Appliances listed in the description are present and operational (refrigerator, stove, dishwasher, microwave, washer, dryer).",
"Furnace/central air are operational as described (approx. 2 years old); the furnace may be fuel-burning (unknown) so CO detection could be required.",
"Water heater and electrical service/panel exist and are functional, though neither is pictured and were not verified.",
"Bedroom egress windows meet code is unknown because bedroom photos/angles were not provided; assumed typical for a 3-bed single-story but not confirmed.",
"Smoke alarm shown in living area is functional; additional alarms may be required in bedrooms and hallways but are not pictured.",
"No visible signs of active leaks, severe mold, foundation movement, collapsed ceilings, or major electrical hazards in the provided photos."
],
"overall_score": 75.0,
"rubric_version": "2025-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1-bath ranch appears largely turnkey for Section 8/NSPIRE initial inspection. Positive indicators: metal roof in good condition, recent HVAC (~2 years), full kitchen with appliances reported included, maintained interior finishes, visible smoke alarm, and a tidy exterior with detached garage. Remaining verification items before inspection: presence and placement of carbon monoxide alarm(s) if required, GFCI protection in kitchen/bath, electrical panel condition and labeling, hot water heater operation, and bedroom egress functionality. Expected time-to-rent readiness: minor fixes/verification (1–3 weeks) if unaddressed items are already functional; up to 30 days if CO/GFCI/electrical corrective work needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior and exterior appear well maintained with cosmetic updates: clean carpeting, laminate kitchen floor, painted walls, functional-looking cabinets and countertops. Kitchen appliances (dishwasher, stove, refrigerator, microwave) are reported included and photos show appliances present. Minor deferred items visible: weathered porch posts, a leaning mailbox, some scuffing at baseboards and typical wear on trim/doors. No visible collapsed ceilings, exposed subfloor or major surface deterioration. Missing appliances alone were not penalized because listing states all appliances stay; overall condition is minor-repair level and largely cosmetic."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 75.0,
"rationale": "Positive observations: at least one smoke detector is visible in photos, interior lighting and ceiling fans are present, no exposed wiring is visible, windows appear operable, exterior entry appears secure with a functioning door. Reported recent furnace and central AC (~2 years) reduces heating risk. Unknowns: carbon monoxide alarm(s) not visible in photos (CO detector may be required), GFCI outlet locations in kitchen/bath not visible, electrical panel location/condition not shown, and bedroom egress windows are not shown directly. Porch step lacks a visible handrail (but appears to be a single/low step). No signs of active leaks, severe mold, or major trip hazards were observed. Given visible smoke alarm and otherwise normal condition, the property presents moderate-to-low safety risk but requires verification of CO detection, GFCI protection, and electrical panel during inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 78.0,
"rationale": "Listing states furnace and central air are approximately 2 years old and photos show central HVAC registers/ducting are plausible; roof is metal in good visible condition (low risk of active leaks). Kitchen plumbing fixtures and dishwasher appear functional. Water heater and electrical panel are not shown, so their condition is unknown. No evidence of active roof leaks, major plumbing failures, or inoperable heat/AC in photos, but lack of visible panels and water heater requires verification. Overall system condition appears good but partially unverified from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Exterior photos show a metal roof in good condition, intact gutters/downspouts with extensions, vinyl siding, maintained yard, and a detached block outbuilding/1-car structure. Front porch structure looks intact though wooden posts show weathering. Walkway/entry and yard are free of debris and appear safe. No visible major foundation cracks, standing water, or significant grading issues in photos. The mailbox leans and should be corrected; otherwise exterior/site condition is good and low risk."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing is accurate: refrigerator, stove, dishwasher, microwave, washer and dryer remain with the property and are operational.",
"Furnace and central AC installed ~2 years ago are operational and properly maintained as stated.",
"No visible active leaks or water stains in photos implies no current roof or major plumbing leaks; metal roof is assumed watertight.",
"At least one smoke detector is installed (visible in photos); additional smoke/CO detectors may be present but not photographed.",
"Electrical service and panel exist and are functional though not shown in photos; no visible exposed wiring was observed inside photos.",
"Bedrooms have code-compliant egress windows (not directly photographed) typical for single-story homes of this type.",
"Detached block building structure is sound enough for typical use; detailed condition not fully assessable from exterior photo alone."
],
"overall_score": 79.0,
"rubric_version": "2025-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "727 S Detroit St, Kenton, OH, 43326",
"aggregate": {
"summary": "This single-family ranch is close to turnkey for a Housing Choice Voucher inspection. Interior finishes and appliances appear present and in good condition, the roof and HVAC (per listing) are recent, and no active life‑threatening hazards are visible. Remaining inspection risks are mainly documentation/verification items (CO detector, GFCI outlets, electrical panel access, deadbolt) and a few minor exterior/porch repairs. With installation/verification of required detectors and confirmation of electrical/plumbing systems, it is likely to pass an initial NSPIRE/HCV inspection with only minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 81.7,
"rationale": "Interior and exterior photos show generally good cosmetic condition: clean carpets, intact drywall, painted walls, functioning ceiling fans, and an updated-looking kitchen with countertops, cabinets and a dishwasher. Listing states refrigerator, stove, microwave, washer and dryer remain. Exterior metal roof appears in good shape and siding is intact. Minor items observed: leaning mailbox, small worn landscaping strip at front entry, and porch posts that show weathering but no structural failure. No evidence of active water stains, major flooring failure, or collapsed ceilings. Missing cosmetic repairs only; appliances presence reduces penalty."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.7,
"rationale": "Front yard and lot appear level and well maintained. Siding and gutters are present and functioning (downspouts visible). Metal roof looks recently installed or in good order. Detached block building/garage mentioned in listing (not fully photographed) is positive for tenant storage/parking. Minor exterior items: mailbox leaning, small landscaping maintenance needed, and porch posts show weathering but appear serviceable. No visible foundation cracks, standing water, or infestation signs in provided photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 71.7,
"rationale": "Positive: visible smoke detector in main living area, windows present in living spaces (likely egress), no visible exposed wiring, no visible mold or major water intrusion, and listing confirms a furnace with central air (~2 years old). Unconfirmed/negative: carbon monoxide detector not visible in photos (required if fuel-burning appliances present), GFCI outlet presence in kitchen/bath not verifiable from images, electrical panel not shown, deadbolt on main entry not visible. Porch step/entry appears to have at least one small step (no handrail shown) — may need a handrail depending on step height. Because several required items are not visible, a modest deduction applied even though no life‑threatening hazards are evident."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 77.7,
"rationale": "Listing states furnace and central air are approximately 2 years old (positive). Exterior shows a metal roof which appears intact and in good condition. Kitchen plumbing fixtures visible and appear functional; dishwasher present. Water heater, electrical panel, and HVAC distribution components are not shown so their condition is assumed typical and serviceable. No signs of active roof leaks, major plumbing leaks, or heating system failure in pictures. Moderate uncertainty where systems aren't visible reduces the score slightly."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Listing statement that furnace and central air are ~2 years old is accurate and units are operational.",
"Kitchen appliances listed (refrigerator, stove, dishwasher, microwave, washer/dryer) are present and in working order as claimed (only dishwasher and counters are visible).",
"No active roof leaks or prior water intrusion exist despite no interior ceiling stains visible; slight ceiling texture irregularities are cosmetic.",
"Electrical panel, water heater, and plumbing fixtures are functional though not photographed; lack of visible exposed wiring infers basic electrical safety.",
"Carbon monoxide detector and GFCI outlets are not visible in photos; scoring assumes these may be missing or not verifiable and deducts modestly for that uncertainty.",
"Bedroom egress windows exist (not all bedrooms photographed) and are adequate for emergency escape based on visible window sizes and typical layout of a 3-bed ranch."
],
"score_method": "mean_of_criteria",
"overall_score": 78.0,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4684859450"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.