Property ID: 4776026712
1142 Concord Ct, Findlay, OH, 45840
Findlay, OH
Money Down: $42,960
CoC Return: -1.04%
Monthly Cash Flow: $-37
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,800
Closing Costs
$7,160
Total Down
$42,960
Investment Snapshot
Purchase Price
$179,000
Money Down
$42,960
Cash-on-Cash Return
-1.04%
Rent
$1,231
Monthly Cash Flow
$-37
Annual Cash Flow
$-446
Debt Service / Mo
$953
Property Tax / Mo
$144
Insurance / Mo
$49
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,231
Payment Standard
$1,484
Rent
$1,231
Insurance
$49
Property Tax
$144
Management
$123
Utilities Allowance
$253
NOI (Monthly)
$916
Debt Service
$953
Cash Flow After Debt
$-37
Quality Score: 76.30%
Confidence: 91.00%
This single-story home is largely move-in ready with many recent mechanical updates (furnace/A-C 2022, hot water 2021) and complete kitchen/laundry appliances. Interior and exterior show mostly cosmetic issues and normal wear. Primary inspection risks are missing/unclear safety devices (smoke and CO alarms, GFCI outlets) and an aging roof with visual patching. With minor corrections (install/verify smoke & CO alarms, confirm GFCI outlets, ensure secure deadbolt on entry, address small walkway cracks and any roof repairs if needed) the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
Section 8 Payment Standard
$1,484
Utility Allowance Total
$253
Guaranteed Section 8 Rent (PS - Utilities)
$1,231
Property Management
$123
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$179,000
Beds
3
Baths
2
Living Area
1,450 sqft
Lot Size
10,019 sqft
Year Built
1954
Days on Market
87
Capital Outlay
$42,960
Debt Service
$953
Property Tax / Mo
$144
Insurance / Mo
$49
Property Description
Well-maintained and move-in ready ranch home situated on a desirable corner lot. This home offers three bedrooms and two full baths, including a spacious primary suite with a walk-in closet. The kitchen comes equipped with appliances and a convenient stacked washer and dryer, making everyday living easy and efficient. The living room features a beautiful bay window which allows for great views and lots of natural lighting. You will love the oversized family room with board and batten accent walls and newer flooring! Both bathrooms have been redone. Enjoy the privacy of a fully fenced yardperfect for relaxing, entertaining, or pets. A large breezeway connects the home to the one-car garage, providing additional flexible space and protection from the elements. With numerous updates throughout, this home combines comfort and functionality. Furnace and A/C new in 2022, hot water tank new in 2021.
Utility Allowances
heating
$75
Selected 'natural_gas' as the property details explicitly state 'Natural Gas' for heating.
cooking
$13
Selected 'electric' as the property details list 'Electric Oven' and 'Electric Range'.
water_heating
$33
Selected 'natural_gas' because the property has natural gas connected for heating, making it the most likely fuel source for the water heater.
other_electric
$39
This is a standard charge for general electrical use (lights, outlets) for a 3-bedroom unit. Per the schedule, this also includes the cost of air conditioning.
water
$32
The property is connected to a public water source.
sewer
$36
The property is connected to a public sewer system.
trash_collection
$25
Standard utility for a single-family home. Assumed to be a tenant expense as it's not specified as landlord-provided.
range
$0
The property listing includes an electric range, so there is no cost to the tenant.
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$572
DP3 Annual Estimate$598
DP1 Monthly Equivalent$48
DP3 Monthly Equivalent$50
Replacement Value$103,170
Basis1,450 sqft / 1954
Nearby Houses
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1142 Brenda Ct
sold · 0.04 mi
Price: $152,500
2 bd / 1 ba · 957 sqft
Latest sale: $152,500 on Apr 10, 2024
Latest rent: —
Photo unavailable
1138 Brenda Ct
sold · 0.04 mi
Price: $112,900
3 bd / 1 ba · 975 sqft
Latest sale: $112,900 on Mar 18, 2024
Latest rent: $895 on Dec 04, 2019
Photo unavailable
1201 Concord Ct
sold · 0.04 mi
Price: $97,500
4 bd / 1 ba · 1,025 sqft
Latest sale: $97,500 on May 27, 2020
Latest rent: $1,035 on Aug 12, 2019
Photo unavailable
1143 Concord Ct
sold · 0.04 mi
Price: $107,000
3 bd / 1 ba · 1,141 sqft
Latest sale: $107,000 on Mar 26, 2021
Latest rent: —
Photo unavailable
1135 Concord Ct
sold · 0.06 mi
Price: $100,000
3 bd / 1 ba · 1,073 sqft
Latest sale: $100,000 on Aug 06, 2021
Latest rent: —
Photo unavailable
1205 Vincent St
sold · 0.06 mi
Price: $175,000
3 bd / 1 ba · 1,481 sqft
Latest sale: $175,000 on Aug 11, 2023
Latest rent: —
Photo unavailable
1213 Concord Ct
sold · 0.07 mi
Price: $73,500
2 bd / 1 ba · 925 sqft
Latest sale: $73,500 on Jan 13, 2017
Latest rent: —
Photo unavailable
1216 Concord Ct
for_sale · 0.07 mi
Price: $149,000
3 bd / 1 ba · 925 sqft
Latest sale: $69,000 on Aug 27, 2009
Latest rent: —
Photo unavailable
1217 Concord Ct
sold · 0.07 mi
Price: $45,100
3 bd / 1 ba · 925 sqft
Latest sale: $45,100 on Dec 28, 2018
Latest rent: —
Photo unavailable
1123 Concord Ct
sold · 0.08 mi
Price: $87,000
3 bd / 1 ba · 1,075 sqft
Latest sale: $87,000 on Jan 14, 2022
Latest rent: —
Photo unavailable
1119 Concord Ct
sold · 0.09 mi
Price: $80,000
3 bd / 1 ba · 875 sqft
Latest sale: $80,000 on Aug 13, 2021
Latest rent: —
Photo unavailable
1171 Bernard Ave
sold · 0.09 mi
Price: $86,650
3 bd / 1 ba · 1,009 sqft
Latest sale: $86,650 on Mar 09, 2020
Latest rent: $795 on Mar 28, 2018
Photo unavailable
1115 Vincent St
sold · 0.09 mi
Price: $135,000
3 bd / 1 ba · 1,190 sqft
Latest sale: $135,000 on Apr 18, 2023
Latest rent: —
Photo unavailable
1115 Concord Ct
sold · 0.10 mi
Price: $72,500
3 bd / 1 ba · 925 sqft
Latest sale: $72,500 on Aug 19, 2016
Latest rent: —
Photo unavailable
1122 Vincent St
sold · 0.11 mi
Price: $109,500
3 bd / 1 ba · 950 sqft
Latest sale: $109,500 on Jun 04, 2021
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing text is accurate: kitchen appliances and stacked washer/dryer are included and functional.
- Furnace/A-C replaced in 2022 and hot water tank in 2021 are in working condition as reported.
- Electrical service and panel are standard and have no hidden safety defects (panel not visible in photos).
- Smoke detectors and carbon monoxide alarms are not visible in photos and should be assumed absent/unverified for scoring.
- Kitchen outlets near sink may not be GFCI protected (not clearly shown); assume unverified.
- No interior structural issues (sagging ceilings, foundation movement) exist beyond what is visible in photos.
- Pet door present in one door — assumed to be pre-existing and not evidence of forced entry or severe damage to door framing.
- Roof shows age and patching in photos; assume it is aged but not actively failing (no leaks visible).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,673 | $151,760 | $53,120 |
| 2023 | $1,527 | $122,380 | $42,830 |
| 2022 | $1,518 | $122,380 | $42,830 |
| 2021 | $1,392 | $97,740 | $34,209 |
| 2020 | $1,392 | $97,740 | $34,209 |
| 2018 | $1,292 | $85,000 | $29,751 |
| 2017 | $1,293 | $85,000 | $29,751 |
| 2016 | $1,278 | $84,740 | $29,660 |
| 2015 | $1,477 | $96,560 | $33,797 |
| 2014 | $1,477 | $96,560 | $33,797 |
| 2013 | $1,477 | $96,560 | $33,797 |
| 2012 | $1,486 | $96,560 | $33,790 |
| 2011 | $1,485 | $96,560 | $33,790 |
| 2010 | $1,485 | $96,560 | $33,790 |
| 2009 | $1,436 | $96,030 | $33,610 |
| 2008 | $1,267 | $96,030 | $33,610 |
| 2007 | $1,263 | $96,030 | $33,610 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2010-11-17 | Sold | $69,000 |
| 2009-10-01 | Sold | $47,100 |
| 2007-08-28 | Sold | $85,000 |
Photo Gallery
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"Year Built: 1954",
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"Levels: One",
"Living Area Source: Public Records",
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{
"note": "Selected 'natural_gas' as the property details explicitly state 'Natural Gas' for heating.",
"utility": "heating",
"allowance": 75
},
{
"note": "Selected 'electric' as the property details list 'Electric Oven' and 'Electric Range'.",
"utility": "cooking",
"allowance": 13
},
{
"note": "Selected 'natural_gas' because the property has natural gas connected for heating, making it the most likely fuel source for the water heater.",
"utility": "water_heating",
"allowance": 33
},
{
"note": "This is a standard charge for general electrical use (lights, outlets) for a 3-bedroom unit. Per the schedule, this also includes the cost of air conditioning.",
"utility": "other_electric",
"allowance": 39
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{
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"utility": "water",
"allowance": 32
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{
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"utility": "sewer",
"allowance": 36
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{
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"utility": "trash_collection",
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{
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{
"summary": "This single-story home is largely move-in ready with many recent mechanical updates (furnace/A-C 2022, hot water 2021) and complete kitchen/laundry appliances. Interior and exterior show mostly cosmetic issues and normal wear. Primary inspection risks are missing/unclear safety devices (smoke and CO alarms, GFCI outlets) and an aging roof with visual patching. With minor corrections (install/verify smoke & CO alarms, confirm GFCI outlets, ensure secure deadbolt on entry, address small walkway cracks and any roof repairs if needed) the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior appears well maintained with updated bathrooms, painted cabinets, intact flooring and trim, and functioning kitchen appliances (stove, dishwasher, refrigerator visible). Stacked washer/dryer present. Cosmetic wear (scuffing on trim, some cabinet/paint touch-ups) and a few cracked/uneven exterior walk sections visible, but no evidence of major deferred maintenance. Missing minor items (outlet covers in photos look present; one exterior step/walk crack). Overall mostly cosmetic and easy-to-fix items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious electrical hazards, no collapsed ceilings, and furnace/AC and water heater reported new (2022/2021). However key NSPIRE items are not visible in photos: smoke alarms/carbon monoxide alarms are not shown, GFCI protection at kitchen sink outlets is not clearly identifiable, and the primary exterior door deadbolt is not clearly visible (photo shows a knob). A pet door in an entry/utility door is present which may raise security concerns if it bypasses locks. Roof shows aged/patchy shingles in photos which could represent future leak risk though no active leaks are visible. Because several required safety devices are not shown, there is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 85.0,
"rationale": "Listing states furnace and A/C were replaced in 2022 and hot water tank in 2021 — strong indicators the HVAC and water heating systems are current. Appliances (stove, dishwasher, laundry stack) are present and look functional. Electrical panel and service are not shown; no visible knob-and-tube or exposed high-risk wiring in photos. Roof condition shows wear in images and should be evaluated, but mechanical systems otherwise appear in good condition."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Siding and gutters appear intact and in good repair, yard is fenced (advertised and visible), and the breezeway and attached garage look serviceable. Driveway and sidewalks show some cracking and unevenness (possible trip hazard) and roof shingles have visible staining/patching indicating age. No visible foundation failure, standing water, or major exterior structural issues in provided photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing text is accurate: kitchen appliances and stacked washer/dryer are included and functional.",
"Furnace/A-C replaced in 2022 and hot water tank in 2021 are in working condition as reported.",
"Electrical service and panel are standard and have no hidden safety defects (panel not visible in photos).",
"Smoke detectors and carbon monoxide alarms are not visible in photos and should be assumed absent/unverified for scoring.",
"Kitchen outlets near sink may not be GFCI protected (not clearly shown); assume unverified.",
"No interior structural issues (sagging ceilings, foundation movement) exist beyond what is visible in photos.",
"Pet door present in one door — assumed to be pre-existing and not evidence of forced entry or severe damage to door framing.",
"Roof shows age and patching in photos; assume it is aged but not actively failing (no leaks visible)."
],
"overall_score": 78.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "This single-family ranch is close to turnkey for a Housing Choice Voucher inspection. Kitchens, baths, appliances and major systems are updated and in generally good condition (furnace/A-C 2022, water heater 2021). Primary risks for an initial NSPIRE inspection are missing/ not-visible smoke and CO detectors and possible lack of GFCI protection at kitchen counters. Exterior and interior conditions are largely good with only minor cosmetic and maintenance items. With installation/verification of required detectors and GFCI(s) and a quick check of the roof and a few outlet covers, the property is likely passable within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior photos show recently updated bathrooms and kitchen, painted cabinets, intact flooring and generally clean surfaces. Appliances (stove, dishwasher, stacked washer/dryer and refrigerator) are present. Minor cosmetic wear (scuffs on wall paneling, small concrete walkway cracks) is visible but not inspection-critical. Missing or loose outlet covers near counters appear limited (one outlet visible without cover) and would be an easy fix. Overall turnkey with only cosmetic and small maintenance items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in the provided interior photos (hallway and living areas show only ceiling light fixtures). Kitchen area outlets near sink do not clearly show GFCI-protection. Entry doors appear serviceable; a pet door is present which is a security consideration but not an automatic fail. No exposed major electrical hazards, visible active leaks, collapsed ceilings, or major foundation cracks were observed. Because smoke/CO detectors and GFCI outlets are required by NSPIRE and are not visible, there is a moderate risk of an initial inspection failure until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 78.0,
"rationale": "Listing states furnace and A/C new in 2022 and hot water tank new in 2021, which strongly reduces mechanical risk. Plumbing fixtures shown (kitchen sink, washer/dryer hookups) appear intact with no visible leaks. Electrical appears intact in photos (outlets, small panel/cover in laundry area) though GFCI presence is uncertain. Roof shows staining and wear in photos but no visible sagging or active leaks inside; likely serviceable short-term but may need closer roof inspection within a few years. Overall systems appear in good condition based on listing history and photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 75.0,
"rationale": "Vinyl siding and exterior paint appear in good condition. Property sits on a corner lot with a fully fenced yard (per listing and visible fence) and an attached one-car garage with breezeway. Walkway and driveway show normal age-related cracking and wear. Gutters/downspouts and foundation showed no obvious failure in photos. Roof shows age-related staining/patchiness which is a maintenance item but not an immediate structural failure from visible evidence."
}
],
"red_flags": [
"No smoke detectors or CO alarms visible in photos — missing/insufficient detectors will cause inspection failure until corrected.",
"Kitchen outlets GFCI-protection not confirmed; missing GFCI near sink is a common NSPIRE fail.",
"Roof shows visible staining/age and may require closer inspection; if unseen leaks exist this could become a failure.",
"Pet door in kitchen/entry could present a security concern and should be verified for proper sealing and safety."
],
"confidence": 0.75,
"assumptions": [
"Furnace, A/C (new 2022) and hot water tank (new 2021) are operational as stated in the listing.",
"Smoke and CO detectors may exist in areas not photographed (bedrooms) but are not visible in provided images; I assume they are not reliably present where required and will need verification or installation.",
"Electrical service and panel are intact and meet local code, though location/condition not fully visible; no hidden knob-and-tube or immediately dangerous wiring is assumed.",
"Bedrooms provide compliant egress windows (bedrooms not clearly shown in photos), based on typical ranch layouts and listing claims.",
"No active leaks, severe mold, or structural movement are present beyond what is visible in photos; roof shows age-related wear but no current interior water stains visible."
],
"overall_score": 74.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "This single-story ranch is generally turnkey for Section 8 tenancy with recent HVAC and hot water system replacements, included major appliances, renovated baths, and a fenced yard. Most issues visible are cosmetic or minor maintenance. The main inspection risk items that are not documented in photos are presence/placement of smoke and carbon monoxide detectors, GFCI protection at kitchen/bath outlets, and verification of a secure deadbolt on the entry door. The roof shows staining and some shingle wear that merits closer inspection but does not present an obvious immediate failure. With verification/installation of smoke/CO detectors and any required GFCI/outlet work, the property is likely to pass an initial HCV/NSPIRE inspection after minor touch-ups — estimated rent-ready timeline: within 1–4 weeks depending on detector/GFCI fixes and a quick roof assessment.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing show a well-maintained ranch with updated kitchen cabinets/counters, renovated bathrooms, newer flooring in family room, painted surfaces and included major appliances (stove, dishwasher, refrigerator, stacked washer/dryer). Cosmetic wear is limited to scuffs on trim, minor concrete walkway cracking, and small finish defects on cabinet faces and baseboards. Missing or damaged small items (outlet covers, touch-up paint, minor trim repair) are likely. These are easy to fix and primarily cosmetic; missing appliances are not an issue here since appliances are present."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No visible life-threatening hazards in photos (no collapsed ceilings, active leaks, standing water, or obvious structural sagging). Entry door appears secure but a dedicated deadbolt is not clearly visible in images (likely present but unconfirmed). Bedroom egress appears typical for a single-story ranch but specific bedroom windows are not shown. Smoke and carbon monoxide detectors are not visible in the provided interior photos (if absent this is an automatic NSPIRE fail). GFCI protection at kitchen counters is not clearly documented (outlets visible but not GFCI style). No exposed wiring or open junctions are evident. Working plumbing fixtures are shown. Overall there are a few typical documentation/installation items an inspector commonly checks (smoke/CO, GFCI, deadbolt) that are not visible in photos and would need verification/installation prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Listing states furnace and A/C were replaced in 2022 and hot water tank in 2021; photos show typical, functioning kitchen and laundry appliances and no visible signs of plumbing failure. No electrical panel, HVAC equipment, or water heater photos were provided, so condition assessment relies on listing claims. Roof shows staining/discoloration and some shingle wear visible in exterior images—appearance suggests remaining service life but could require closer inspection. Overall major systems appear recently updated and functional, reducing risk of a mechanical fail at initial inspection, but roof condition and unseen electrical panel/GFCI details warrant verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior siding and trim appear in good condition and recently painted or replaced; yard is fully or partially fenced per listing (red fence visible) and driveway/garage provide off-street parking. Concrete walk shows minor cracking but not severe trip-hazard level. Attached garage and breezeway appear sound. Roof shows discoloration / localized wear which should be inspected further but no visible sagging or active leaks present in photos. Property appears free of visible infestation or major site drainage issues in provided images."
}
],
"red_flags": [
"Smoke and carbon monoxide detectors not visible in photos — absence or improper placement would cause inspection failure.",
"GFCI protection at kitchen/bath outlets not documented — may require installation to meet code/NSPIRE.",
"Roof shows visible staining and localized shingle wear in photos — needs closer inspection to rule out active leaks or imminent failure."
],
"confidence": 0.7,
"assumptions": [
"Listing information is accurate: furnace & A/C replaced in 2022 and hot water tank replaced in 2021; therefore HVAC and hot water are operational.",
"Major appliances (stove, refrigerator, dishwasher, stacked washer/dryer) visible in photos are present and functional at move-in.",
"Electrical service and panel exist and are intact but were not photographed; typical condition is assumed unless otherwise reported.",
"Bedrooms have code-compliant egress windows typical of a mid-century ranch, though not all bedroom windows were shown.",
"Deadbolt on the main entry is not clearly visible in photos; assumed likely present but needs verification.",
"Smoke and carbon monoxide detectors are not visible in photos; assume they may be missing or not in correct locations and require verification/installation.",
"GFCI protection at kitchen and bathroom outlets is not clearly shown; assume verification and possible installation will be required."
],
"overall_score": 78.0,
"rubric_version": "2026-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1142 Concord Ct, Findlay, OH, 45840",
"aggregate": {
"summary": "This single-story home is largely move-in ready with many recent mechanical updates (furnace/A-C 2022, hot water 2021) and complete kitchen/laundry appliances. Interior and exterior show mostly cosmetic issues and normal wear. Primary inspection risks are missing/unclear safety devices (smoke and CO alarms, GFCI outlets) and an aging roof with visual patching. With minor corrections (install/verify smoke & CO alarms, confirm GFCI outlets, ensure secure deadbolt on entry, address small walkway cracks and any roof repairs if needed) the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 81.7,
"rationale": "Interior appears well maintained with updated bathrooms, painted cabinets, intact flooring and trim, and functioning kitchen appliances (stove, dishwasher, refrigerator visible). Stacked washer/dryer present. Cosmetic wear (scuffing on trim, some cabinet/paint touch-ups) and a few cracked/uneven exterior walk sections visible, but no evidence of major deferred maintenance. Missing minor items (outlet covers in photos look present; one exterior step/walk crack). Overall mostly cosmetic and easy-to-fix items."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 77.7,
"rationale": "Siding and gutters appear intact and in good repair, yard is fenced (advertised and visible), and the breezeway and attached garage look serviceable. Driveway and sidewalks show some cracking and unevenness (possible trip hazard) and roof shingles have visible staining/patching indicating age. No visible foundation failure, standing water, or major exterior structural issues in provided photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious electrical hazards, no collapsed ceilings, and furnace/AC and water heater reported new (2022/2021). However key NSPIRE items are not visible in photos: smoke alarms/carbon monoxide alarms are not shown, GFCI protection at kitchen sink outlets is not clearly identifiable, and the primary exterior door deadbolt is not clearly visible (photo shows a knob). A pet door in an entry/utility door is present which may raise security concerns if it bypasses locks. Roof shows aged/patchy shingles in photos which could represent future leak risk though no active leaks are visible. Because several required safety devices are not shown, there is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 79.3,
"rationale": "Listing states furnace and A/C were replaced in 2022 and hot water tank in 2021 — strong indicators the HVAC and water heating systems are current. Appliances (stove, dishwasher, laundry stack) are present and look functional. Electrical panel and service are not shown; no visible knob-and-tube or exposed high-risk wiring in photos. Roof condition shows wear in images and should be evaluated, but mechanical systems otherwise appear in good condition."
}
],
"red_flags": [],
"confidence": 0.91,
"assumptions": [
"Listing text is accurate: kitchen appliances and stacked washer/dryer are included and functional.",
"Furnace/A-C replaced in 2022 and hot water tank in 2021 are in working condition as reported.",
"Electrical service and panel are standard and have no hidden safety defects (panel not visible in photos).",
"Smoke detectors and carbon monoxide alarms are not visible in photos and should be assumed absent/unverified for scoring.",
"Kitchen outlets near sink may not be GFCI protected (not clearly shown); assume unverified.",
"No interior structural issues (sagging ceilings, foundation movement) exist beyond what is visible in photos.",
"Pet door present in one door — assumed to be pre-existing and not evidence of forced entry or severe damage to door framing.",
"Roof shows age and patching in photos; assume it is aged but not actively failing (no leaks visible)."
],
"score_method": "mean_of_criteria",
"overall_score": 76.3,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4776026712"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.