Property ID: 4745170695
516 Walde St, Pittsburgh, PA, 15210
Pittsburgh, PA
Money Down: $38,376
CoC Return: 43.56%
Monthly Cash Flow: $1,393
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$31,980
Closing Costs
$6,396
Total Down
$38,376
Investment Snapshot
Purchase Price
$159,900
Money Down
$38,376
Cash-on-Cash Return
43.56%
Rent
$2,605
Monthly Cash Flow
$1,393
Annual Cash Flow
$16,715
Debt Service / Mo
$851
Property Tax / Mo
$66
Insurance / Mo
$35
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,605
Payment Standard
$3,179
Rent
$2,605
Insurance
$35
Property Tax
$66
Management
$260
Utilities Allowance
$574
NOI (Monthly)
$2,244
Debt Service
$851
Cash Flow After Debt
$1,393
Quality Score: 66.30%
Confidence: 86.00%
This is a well-kept, mostly-updated brick single-family with fresh paint, new carpet, renovated bath, updated kitchen and a walkout lower level — overall condition points toward rent-ready with minor repairs. Primary Section 8/NSPIRE risks observed or unverified: missing interior stair handrail, no visible smoke/CO detectors, and an unverified wood-stove/insert/flue. Major systems (furnace, water heater, electrical panel) were not photographed and should be confirmed operational. If smoke/CO alarms are installed, a compliant handrail is added, and the wood stove/flue is inspected/cleared or permanently sealed/disabled, this property should likely pass an initial Housing Choice Voucher inspection with only minor work required (one to four weeks).
Section 8 Payment Standard
$3,179
Utility Allowance Total
$574
Guaranteed Section 8 Rent (PS - Utilities)
$2,605
Property Management
$260
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$159,900
Beds
4
Baths
2
Living Area
1,445 sqft
Lot Size
6,194 sqft
Year Built
1950
Days on Market
49
Capital Outlay
$38,376
Debt Service
$851
Property Tax / Mo
$66
Insurance / Mo
$35
Property Description
This solid all-brick four-bedroom, two full bath home offers the kind of practical layout and dependable construction that buyers appreciate, starting with a level entry and integral one-car garage that make daily living easy in every season. Inside, the freshly painted interior and brand-new carpet create a clean, comfortable feel from room to room, while the living rooms decorative fireplace adds just the right touch of character without overwhelming the space. The updated eat-in kitchen is ready for real lifeplenty of room for everyday meals, casual conversations, and the routines that make a house feel like home. The main floor includes two nicely sized bedrooms and a completely renovated full bath with a modern shower and glass doors, making one-level living an option if needed. Upstairs, youll find two additional bedrooms, a second full bath, and an impressive amount of storage that keeps everything organized and out of sight. The lower level features a partially finished game room that works well as a second living area, playroom, or work-from-home space, with a walkout that leads directly to a covered patio overlooking the rear yardperfect for relaxing outside without worrying about the weather. With its durable brick exterior, sensible floor plan, and thoughtful updates already completed, this home delivers the kind of straightforward comfort, flexibility, and long-term value that has always made traditional two-story brick homes a smart and reliable choice.
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 listing includes 'Gas Stove' in the appliances section.
water_heating
$29
Selected 'natural_gas' for a 4-bedroom unit. This is assumed to be consistent with the property's gas heating system.
air_conditioning
$23
Selected the fixed allowance for a 4-bedroom unit. The property listing specifies 'Cooling Features: Central'.
other_electric
$92
Selected the standard fixed allowance for general electricity (lights, outlets, etc.) in a 4-bedroom unit.
water
$136
Selected the fixed allowance for a 4-bedroom unit. The property listing specifies 'Water Source: Public'.
sewer
$194
Selected the fixed allowance for a 4-bedroom unit. The property listing specifies 'Sewer: Public'.
trash_collection
$0
Included as a common tenant-paid utility for single-family homes, but the provided schedule does not specify an allowance amount.
refrigerator
$0
The property listing includes a refrigerator. Therefore, the tenant allowance is $0 as they do not need to provide their own.
range_microwave
$0
The property listing includes a microwave oven. Therefore, the tenant allowance is $0 as they do not need to provide their own.
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$256
DP3 Annual Estimate$579
DP1 Monthly Equivalent$21
DP3 Monthly Equivalent$48
Replacement Value$38,900
Basis1,445 sqft / 1950
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419 Mountain Ave
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Interior staircase (living room to upper level) has no visible handrail — likely an NSPIRE fail.
- No smoke detectors or carbon-monoxide alarm visible in any interior photos — required for inspection.
- Wood-burning stove/insert and chimney/flue condition not verified — potential fire/venting hazard until inspected.
- Bathroom GFCI protection not clearly identifiable from photos — needs verification.
- Major systems (electrical panel, furnace/boiler, water heater) not photographed/verified — must be confirmed operational and safe prior to inspection.
Assumptions
- Heating is provided (visible baseboard / vents indicate a heating system) and is operational, though the furnace/boiler and water heater locations were not photographed.
- Bedrooms have code-compliant egress windows (front windows appear to be standard but exact bedroom windows not shown).
- A stove/range is present in the kitchen (fridge visible; the stove is not pictured but the listing says 'updated kitchen').
- Electrical panel is present and intact but not shown in photos; no exposed wiring visible in pictured areas.
- No active roof leaks or major roof failure (roof is snow-covered so visual confirmation limited; no sagging observed).
- Lower-level walkout is functional and provides egress as stated in the listing; condition of stairs to the outside not clearly shown.
- Smoke and carbon monoxide detectors are not visible in photos; assume they may be missing or not located per NSPIRE until confirmed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $766 | $49,000 | $31,000 |
| 2024 | $714 | $49,000 | $31,000 |
| 2023 | $714 | $49,000 | $31,000 |
| 2022 | $704 | $49,000 | $31,000 |
| 2021 | $704 | $49,000 | $31,000 |
| 2020 | $701 | $49,000 | $31,000 |
| 2019 | $701 | $49,000 | $31,000 |
| 2018 | $701 | $49,000 | $31,000 |
| 2017 | $701 | $49,000 | $31,000 |
| 2016 | $858 | $49,000 | $31,000 |
| 2015 | $858 | $49,000 | $31,000 |
| 2014 | $816 | $49,000 | $31,000 |
| 2013 | $948 | $49,000 | $31,000 |
| 2012 | $1,681 | $55,300 | $40,300 |
| 2011 | $1,626 | $55,300 | $40,300 |
| 2010 | $1,556 | $55,300 | $40,300 |
| 2009 | $1,185 | $55,300 | $40,300 |
| 2008 | $1,185 | $55,300 | $40,300 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1979-07-19 | Sold | $37,000 |
Photo Gallery
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{
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{
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{
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{
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{
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"summary": "This is a well-kept, mostly-updated brick single-family with fresh paint, new carpet, renovated bath, updated kitchen and a walkout lower level — overall condition points toward rent-ready with minor repairs. Primary Section 8/NSPIRE risks observed or unverified: missing interior stair handrail, no visible smoke/CO detectors, and an unverified wood-stove/insert/flue. Major systems (furnace, water heater, electrical panel) were not photographed and should be confirmed operational. If smoke/CO alarms are installed, a compliant handrail is added, and the wood stove/flue is inspected/cleared or permanently sealed/disabled, this property should likely pass an initial Housing Choice Voucher inspection with only minor work required (one to four weeks).",
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"rationale": "Interior photos show fresh paint and brand-new carpet, renovated main bath and an updated kitchen referenced in the listing; overall cosmetic condition appears good. Minor wear noted on the stair nosing and some hearth/tiles at the fireplace appear damaged or missing. No obvious severe interior deterioration, peeling paint, or visible subfloor. Missing/unclear appliances: a refrigerator is visible in one photo; a stove is not shown (listing implies an updated kitchen). These are moderate, easy-to-fix items. Overall, mostly cosmetic and finish repairs expected rather than major rehab."
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}
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"Wood-burning stove/insert and chimney/flue condition not verified — potential fire/venting hazard until inspected.",
"Bathroom GFCI protection not clearly identifiable from photos — needs verification.",
"Major systems (electrical panel, furnace/boiler, water heater) not photographed/verified — must be confirmed operational and safe prior to inspection."
],
"confidence": 0.65,
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"Bedrooms have code-compliant egress windows (front windows appear to be standard but exact bedroom windows not shown).",
"A stove/range is present in the kitchen (fridge visible; the stove is not pictured but the listing says 'updated kitchen').",
"Electrical panel is present and intact but not shown in photos; no exposed wiring visible in pictured areas.",
"No active roof leaks or major roof failure (roof is snow-covered so visual confirmation limited; no sagging observed).",
"Lower-level walkout is functional and provides egress as stated in the listing; condition of stairs to the outside not clearly shown.",
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],
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"rubric_version": "2026-02-NSPIRE-v1"
},
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"score": 80.0,
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},
{
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"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "Several safety items are unclear or likely to fail an initial inspection as shown: no smoke detectors or carbon monoxide alarms are visible in the interior photos (NSPIRE requires properly located alarms). The main interior stair has no visible handrail on the open side (photo shows bare stair edge) — missing handrail is commonly cited as an inspection fail / safety hazard. There is a wood-burning stove insert in the fireplace which may require certification, clearances, or to be sealed/removed for rental; this is a potential fire hazard if left as-is. Positives: entry door has deadbolt, bathroom shows a GFCI-style outlet (visible near vanity) and a ceiling vent in the bath (ventilation). Upper bedroom egress windows cannot be confirmed from photos. No visible exposed wiring or active ceiling/floor collapse. Net: moderate-to-high safety risk until detectors, handrail and stove concerns are addressed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 60.0,
"rationale": "Visible signs point to functional systems but several key elements are unverified: floor/baseboard registers visible suggest a heating system is present, and the bathroom has a ventilation grille, but the furnace/boiler, water heater and electrical panel are not shown. The roof appears even under snow with no obvious sagging or major patching visible in aerial/exterior shots, and the chimney is intact. Because mechanicals are not pictured, assume typical mid-century updates may be required; absence of visible major damage leads to a moderate score, but a required NSPIRE inspection will need verification of operational heating and hot water, and an electrical panel check."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "All-brick exterior looks intact with no visible large cracks or missing brickwork in provided photos. Yard and chain-link fence are present and serviceable. Concrete walkway and front steps exist but the front step/landing shows some unevenness and could be a slip/trip hazard (snow-covered in photos). Driveway and approach appear functional; there is a covered walkout patio at the rear (listing). Snow limits full visibility of grading and gutters, but no evidence of standing water, major foundation failure, or roof collapse was observed."
}
],
"red_flags": [
"Missing or not-visible smoke detectors and carbon monoxide alarms (NSPIRE requires proper alarms).",
"Missing main-stair handrail (unsafe stairs — likely inspection fail).",
"Wood-burning stove / fireplace insert present — may require professional inspection, certification, or to be disabled for rental.",
"Unconfirmed bedroom egress for upstairs bedrooms (egress windows not shown).",
"Front step/landing uneven and potential trip/slip hazard (exacerbated by snow)."
],
"confidence": 0.7,
"assumptions": [
"Photos are representative of current condition and there are no additional unseen safety defects.",
"No smoke detectors or carbon monoxide alarms are installed unless not visible; because none are visible in photos, the inspection will likely require them.",
"A heating system is present and connected (floor/baseboard vents visible) but its operational status and age are unverified.",
"Water heater and electrical panel are present but not shown; assumed serviceable unless inspection finds otherwise.",
"Kitchen appliances are partially shown (refrigerator visible); presence/condition of a functioning cooking range/oven is not confirmed.",
"Snow cover limits assessment of roof edge, gutters, grading and potential water intrusion evidence.",
"Basement/lower-level conditions (moisture, egress, finished area condition) are not visible and assumed average for a 1950s brick home unless an inspection shows otherwise."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears mostly turn-key cosmetically — freshly painted, new carpet, updated kitchen and bath, and a solid brick exterior. However there are inspection-critical safety concerns visible (no shown smoke/CO detectors and no interior stair handrail) and the wood-burning insert/venting needs verification. Major systems (furnace/boiler, water heater, electrical panel) are not photographed, so their operational status is assumed but unverified. With targeted corrections (install hardwired or battery smoke/CO alarms, add a compliant stair handrail, verify wood-stove venting and service, confirm GFCI protection and mechanical systems) this home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears freshly painted with brand-new carpet and a renovated main-floor bath; cosmetic condition is generally good. Minor wear on interior stair nosing, scuffed trim, and a slightly uneven front stoop/landing (visible concrete edge) are present. Fireplace insert and surrounding tile show age and may need servicing or cleaning. Kitchen appliances not clearly shown in photos but a refrigerator is visible; missing appliances would be a moderate, not catastrophic, deficit. Overall mostly cosmetic/maintenance items; no large visible deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 35.0,
"rationale": "Photos do not show any smoke detectors or carbon-monoxide alarms — absence would be an immediate NSPIRE fail. Interior main stairs lack a visible handrail in photos (interior stair has ~6–8 risers with no rail shown), which is an inspection-level safety failure. The wood-burning stove/insert in the living room requires proper clearances, chimney/vent inspection and likely a CO alarm; this represents an elevated safety risk until verified. Outlets have covers and bathroom shows a fan and an outlet (GFCI not conclusively identified). No exposed wiring or active leaks observed. Because of missing detectors and the absent stair handrail, safety compliance risk is significant."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Roof appears even with intact snow coverage and chimney looks straight — no visible sagging or active roof damage in photos. Baseboard registers are visible indicating a heat distribution system is present; however no furnace, boiler, or water heater was photographed so operational status is unconfirmed. Electrical panel not shown; visible outlets have covers. Bathroom plumbing fixtures look renovated and functional. The wood stove insert will require inspection for proper venting. Given the lack of direct photos of furnace/water heater/electrical panel, conservative mid-high score assigned."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "All-brick exterior appears sound with no visible major cracks or foundation displacement in available photos. Driveway and integral garage present; chain-link front yard fence and paved walkway are serviceable. Yard is sloped but appears stable; no standing water or erosion visible (photos taken with snow cover). Front stoop shows minor spalling/edge wear and there is some vegetation overgrowth at sides. Overall exterior is well maintained for rental readiness with minor repairs possible."
}
],
"red_flags": [
"Missing/Not-visible smoke detectors (inspection fail risk)",
"Interior main stair lacks a visible handrail (unsafe stairs / inspection fail)",
"No visible carbon monoxide alarm while a wood-burning insert is present (CO risk)",
"Wood-burning stove/insert and chimney require verification of proper installation and venting (possible venting/gas hazard)",
"Major mechanical items (furnace/boiler, water heater, electrical panel) not shown — operational status unverified and should be confirmed before lease"
],
"confidence": 0.65,
"assumptions": [
"Listing text is accurate: interior is freshly painted, new carpet installed, kitchen is updated and there are two full baths.",
"Bedrooms and egress windows meet minimum size/egress requirements though not photographed directly.",
"A heat distribution system is present (baseboard registers visible); a functional furnace/boiler likely exists but was not photographed.",
"No active roof leaks or structural sagging exist beneath the visible snow cover; snow hides detailed roof condition.",
"Kitchen likely has a range/oven (fridge visible) but presence/condition of all appliances not fully documented by photos.",
"No obvious severe mold, major foundation movement, or collapsed ceilings present in photos; interior finishes look recently updated."
],
"overall_score": 63.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "516 Walde St, Pittsburgh, PA, 15210",
"aggregate": {
"summary": "This is a well-kept, mostly-updated brick single-family with fresh paint, new carpet, renovated bath, updated kitchen and a walkout lower level — overall condition points toward rent-ready with minor repairs. Primary Section 8/NSPIRE risks observed or unverified: missing interior stair handrail, no visible smoke/CO detectors, and an unverified wood-stove/insert/flue. Major systems (furnace, water heater, electrical panel) were not photographed and should be confirmed operational. If smoke/CO alarms are installed, a compliant handrail is added, and the wood stove/flue is inspected/cleared or permanently sealed/disabled, this property should likely pass an initial Housing Choice Voucher inspection with only minor work required (one to four weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Interior photos show fresh paint and brand-new carpet, renovated main bath and an updated kitchen referenced in the listing; overall cosmetic condition appears good. Minor wear noted on the stair nosing and some hearth/tiles at the fireplace appear damaged or missing. No obvious severe interior deterioration, peeling paint, or visible subfloor. Missing/unclear appliances: a refrigerator is visible in one photo; a stove is not shown (listing implies an updated kitchen). These are moderate, easy-to-fix items. Overall, mostly cosmetic and finish repairs expected rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "All-brick exterior appears sound in multiple photos; chimney and brickwork look generally intact. Chain-link front fence, driveway, and concrete walkway are present; slope and walkways are visible but partially snow-covered which hides some detail. Covered side patio and lower-level walkout are positives for egress and tenant use. No visible standing water, major foundation cracks, or collapsed features in photos. Snow cover prevents full assessment of walk surfaces and driveway condition; some front stoop/step edges look worn and will need clearing/inspection for trip hazards when thawed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 48.3,
"rationale": "Several inspection-risk items are visible or cannot be confirmed from photos: interior stair from living room to upper level lacks a visible handrail (this is commonly an automatic fail if required by local code for the number of risers), and no smoke detectors or carbon-monoxide alarms are visible in photos (required for Section 8/NSPIRE). The living room contains a wood-burning stove/insert — venting, clearance, and certification are not shown and could present a safety concern if not installed/inspected. Bathroom outlet/GFCI cannot be confirmed from photos. Entry door shows two locks (appears to include a deadbolt). No exposed wiring or obvious structural ceiling/floor collapse visible. Because of the handrail and detector gaps plus unverified wood stove safety, this category carries moderate inspection-fail risk until those items are addressed or verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 63.3,
"rationale": "Major systems are not directly shown. Evidence suggesting functioning systems: baseboard heater covers and floor vents visible (indicates a heating system present), renovated kitchen and bath photos suggest plumbing is functional, and the exterior chimney appears intact. No visible signs of roof sagging or active water intrusion in photos (roof is snow-covered which limits visibility). Electrical panel, furnace/boiler, and water heater are not shown so their condition is unknown. Given updated interior and lack of visible system distress, assume generally serviceable but recommend verification/inspection of furnace/boiler, water heater, electrical panel, and wood-stove/flue prior to voucher inspection."
}
],
"red_flags": [
"Interior staircase (living room to upper level) has no visible handrail — likely an NSPIRE fail.",
"No smoke detectors or carbon-monoxide alarm visible in any interior photos — required for inspection.",
"Wood-burning stove/insert and chimney/flue condition not verified — potential fire/venting hazard until inspected.",
"Bathroom GFCI protection not clearly identifiable from photos — needs verification.",
"Major systems (electrical panel, furnace/boiler, water heater) not photographed/verified — must be confirmed operational and safe prior to inspection."
],
"confidence": 0.86,
"assumptions": [
"Heating is provided (visible baseboard / vents indicate a heating system) and is operational, though the furnace/boiler and water heater locations were not photographed.",
"Bedrooms have code-compliant egress windows (front windows appear to be standard but exact bedroom windows not shown).",
"A stove/range is present in the kitchen (fridge visible; the stove is not pictured but the listing says 'updated kitchen').",
"Electrical panel is present and intact but not shown in photos; no exposed wiring visible in pictured areas.",
"No active roof leaks or major roof failure (roof is snow-covered so visual confirmation limited; no sagging observed).",
"Lower-level walkout is functional and provides egress as stated in the listing; condition of stairs to the outside not clearly shown.",
"Smoke and carbon monoxide detectors are not visible in photos; assume they may be missing or not located per NSPIRE until confirmed."
],
"score_method": "mean_of_criteria",
"overall_score": 66.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4745170695"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.