Property ID: 4799452223
511 S Davis St, Forest, OH, 45843
Forest, OH
Money Down: $20,400
CoC Return: 18.83%
Monthly Cash Flow: $320
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
18.83%
Rent
$961
Monthly Cash Flow
$320
Annual Cash Flow
$3,842
Debt Service / Mo
$452
Property Tax / Mo
$55
Insurance / Mo
$38
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$961
Payment Standard
$1,230
Rent
$961
Insurance
$38
Property Tax
$55
Management
$96
Utilities Allowance
$269
NOI (Monthly)
$773
Debt Service
$452
Cash Flow After Debt
$320
Quality Score: 62.40%
Confidence: 95.00%
This 3-bed, 2-bath ranch shows mostly intact structure and functioning major fixtures (range, refrigerator, dishwasher, washer/dryer, furnace present). Most issues visible are cosmetic or moderate maintenance (floors, paint, cabinetry). Primary inspection risks are missing smoke and carbon monoxide detectors, likely missing GFCI protection, and limited documentation/visibility of the water heater and electrical panel. With corrective actions (install detectors/CO alarms, add GFCIs where required, verify/clear furnace venting and HVAC operation, minor cosmetic repairs), the property appears likely to pass a Section 8/NSPIRE inspection within 2–6 weeks. Without those fixes the property would likely fail an initial inspection due to detector/GFCI failures.
Section 8 Payment Standard
$1,230
Utility Allowance Total
$269
Guaranteed Section 8 Rent (PS - Utilities)
$961
Property Management
$96
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
3
Baths
2
Living Area
1,376 sqft
Lot Size
20,778 sqft
Year Built
1958
Days on Market
70
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$55
Insurance / Mo
$38
Property Description
Ranch home in Forest. Very cute home with three bedrooms and two full baths. Detached 2 car garage and on large lot. HUD Case #413-536080 and IE . The buyer selects the closing agent. Utilities must be in buyer's name for inspections. Keys will not be provided at closing (must be re-keyed by buyer). You are required to register on the sign-in sheet when viewing property.
Utility Allowances
air_conditioning
$0
Property has central air, but the schedule has no allowance value for any bedroom count. It is assumed to be covered under the 'other_electric' allowance and is assigned a value of $0.
cooking
$13
A single-family home requires cooking facilities. 'Electric' was chosen based on visual evidence of an electric stovetop in property photos.
heating
$75
The property lists 'Forced Air' heating and 'Natural Gas Available', making natural gas the most likely fuel source.
other_electric
$39
This is the baseline allowance for general electric use (lights, outlets, etc.) for a 3-bedroom unit.
range
$8
Allowance for a tenant-owned range. The listing does not explicitly state that a range is included with the property.
refrigerator
$8
Allowance for a tenant-owned refrigerator. The listing does not explicitly state that a refrigerator is included with the property.
sewer
$36
The property listing explicitly states it is connected to 'Public Sewer'.
trash_collection
$25
This is a standard municipal service allowance for a single-family detached home.
water
$32
The property listing explicitly states the water source is 'Public'.
water_heating
$33
The property requires hot water. 'Natural Gas' was selected as the most probable fuel source as 'Natural Gas Available' is listed for the property.
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$438
DP3 Annual Estimate$468
DP1 Monthly Equivalent$36
DP3 Monthly Equivalent$39
Replacement Value$74,660
Basis1,376 sqft / 1958
Nearby Houses
Photo unavailable
605 S Davis St
sold · 0.04 mi
Price: $209,900
5 bd / 2 ba · 1,808 sqft
Latest sale: $209,900 on Jun 01, 2024
Latest rent: —
Photo unavailable
508 S Davis St
sold · 0.05 mi
Price: $135,500
3 bd / 1 ba · 1,410 sqft
Latest sale: $135,500 on Dec 28, 2023
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.05 mi
Price: $88,000
3 bd / 2 ba · 1,257 sqft
Latest sale: $88,000
Latest rent: —
Photo unavailable
203 W Julia St
sold · 0.07 mi
Price: $153,900
4 bd / 1 ba · 1,928 sqft
Latest sale: $153,900 on May 01, 2024
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.07 mi
Price: $86,000
2 bd / 2 ba · 1,020 sqft
Latest sale: $86,000
Latest rent: —
Photo unavailable
412 S Davis St
sold · 0.10 mi
Price: $88,000
2 bd / 1 ba · 1,341 sqft
Latest sale: $88,000 on Oct 10, 2019
Latest rent: —
Photo unavailable
501 S Patterson St
sold · 0.10 mi
Price: $150,000
3 bd / 2 ba · 1,202 sqft
Latest sale: $150,000 on Jun 24, 2022
Latest rent: —
Photo unavailable
611 S Patterson St
sold · 0.10 mi
Price: $190,000
3 bd / 2 ba · 1,624 sqft
Latest sale: $190,000 on Dec 31, 2024
Latest rent: —
Photo unavailable
613 S Patterson St
sold · 0.10 mi
Price: $102,000
3 bd / 2 ba · 1,244 sqft
Latest sale: $102,000 on May 26, 2017
Latest rent: —
Photo unavailable
409 S Patterson St
sold · 0.12 mi
Price: $55,000
5 bd / 1 ba · 2,391 sqft
Latest sale: $55,000 on Sep 03, 2019
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors (required) — will cause immediate fail until installed.
- No visible carbon monoxide detector (required where fuel-burning appliances/furnace/ gas stove present).
- GFCI outlets not evident in kitchen and bathrooms — likely inspection failure.
- Furnace located in a small closet with visible venting and wall staining behind it — needs clearance check and CO safety verification.
- Staining on interior walls near mechanicals suggests past water intrusion that should be evaluated.
Assumptions
- Photos are recent and reflect current condition; no major changes since photos were taken.
- Utilities (water, gas, electric) are intact to the unit and will be energized for a HUD inspection per listing note.
- Water heater and electrical panel exist in the house but were not visible in provided photos and are functional or serviceable.
- Smoke detectors and carbon monoxide alarms are not present (none visible in photos) and will need installation.
- GFCI protection for kitchen/bath outlets is not present or not visible and should be assumed required until confirmed.
- Appliances shown (stove, refrigerator, dishwasher, washer/dryer) are included and in at least operable condition unless otherwise determined on inspection.
- No severe hidden structural issues (foundation movement, major roof failure, collapsed ceilings) exist beyond what is visible in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $636 | $85,320 | $29,860 |
| 2024 | $648 | $85,320 | $29,860 |
| 2023 | $667 | $85,320 | $29,860 |
| 2022 | $628 | $73,690 | $25,790 |
| 2021 | $680 | $73,690 | $25,790 |
| 2020 | $681 | $73,690 | $25,790 |
| 2019 | $473 | $59,170 | $20,710 |
| 2018 | $455 | $59,170 | $20,710 |
| 2017 | $453 | $59,170 | $20,710 |
| 2016 | $528 | $63,450 | $22,210 |
| 2015 | $464 | $63,450 | $22,210 |
| 2014 | $452 | $63,450 | $22,210 |
| 2013 | $455 | $63,450 | $22,210 |
| 2012 | $473 | $63,450 | $22,210 |
| 2011 | $472 | $63,450 | $22,210 |
| 2009 | $528 | $65,660 | $22,980 |
| 2008 | $832 | $65,660 | $22,980 |
| 2006 | $840 | $62,370 | $21,830 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-29 | Listed | $85,000 |
Photo Gallery
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"Bedroom 2 Dimensions: 15' x 12'",
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"Laundry Dimensions: 9' x 9'",
"Laundry Level: Main",
"Living Room Dimensions: 22' x 14'",
"Living Room Level: Main"
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"category": "Other Rooms",
"parent_category": "Interior"
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"parent_category": "Exterior"
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"category": "Homeowners Association",
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"Elementary School: Riverdale",
"High School: Riverdale",
"High School District: Riverdale",
"Middle School: Riverdale",
"School District: Riverdale"
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"category": "School Information",
"parent_category": "Community"
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"text": [
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"County: Hardin",
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},
{
"note": "The property requires hot water. 'Natural Gas' was selected as the most probable fuel source as 'Natural Gas Available' is listed for the property.",
"utility": "water_heating",
"allowance": 33
}
],
"cash_on_cash_return": 0.55,
"down_payment_amount": 17000.0,
"property_tax_annual": 655.08,
"property_tax_monthly": 54.59,
"property_tax_increase": 0.03,
"utility_allowance_total": 269.0,
"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": 3841.85,
"property_management_monthly": 96.1,
"monthly_cash_flow_after_debt": 320.15,
"cash_on_cash_return_after_debt": 0.23
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed, 2-bath ranch shows mostly intact structure and functioning major fixtures (range, refrigerator, dishwasher, washer/dryer, furnace present). Most issues visible are cosmetic or moderate maintenance (floors, paint, cabinetry). Primary inspection risks are missing smoke and carbon monoxide detectors, likely missing GFCI protection, and limited documentation/visibility of the water heater and electrical panel. With corrective actions (install detectors/CO alarms, add GFCIs where required, verify/clear furnace venting and HVAC operation, minor cosmetic repairs), the property appears likely to pass a Section 8/NSPIRE inspection within 2–6 weeks. Without those fixes the property would likely fail an initial inspection due to detector/GFCI failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears intact with cosmetic wear: stained hardwood in living room, worn vinyl in kitchen/baths, scuffed/aged paint, and minor cabinetry/trim wear. Major fixtures and appliances (stove, refrigerator, dishwasher, washer/dryer visible) are present which reduces capital need. Counters and flooring look like mid-level refreshes; no obvious collapsed subfloors or large open penetrations. Overall repairs are mostly cosmetic and medium-scope (painting, flooring, minor cabinet/trim work)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 50.0,
"rationale": "Visible safety gaps that would likely fail an initial NSPIRE/Section 8 inspection as pictured: no visible smoke detectors or carbon monoxide alarms (required where fuel-burning appliances exist), GFCI protection near kitchen/bath is not evident, and the furnace is located in a small closet with exposed venting and limited clearance (possible code/clearance issues). Windows appear standard and likely provide bedroom egress. No obvious exposed wiring, collapsed ceilings, major foundation cracks, or standing water were observed in photos. Missing detectors and likely missing GFCI outlets are inspection failures but are relatively easy to remediate."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 60.0,
"rationale": "A gas range and a forced-air/utility furnace are visible, indicating heating and cooking fuel systems are present. Furnace appears older but intact; water heater and electrical panel are not shown. No visible active leaks or major water damage, but staining behind the furnace suggests past moisture. Roof condition is indeterminate under snow but shows no obvious sagging or collapse. Because critical system components (water heater, electrical panel, HVAC operation) could not be fully confirmed from photos, score reflects moderate risk with likely need for functional verification / service."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior siding and envelope appear generally intact in the photo set. There is an entry ramp/porch that has a railing (which helps egress) but looks weathered. Large tree close to the house may increase risk for debris/roof damage. Snow makes detailed roof assessment difficult; no visible major roof collapse or foundation movement in images. Detached 2-car garage is listed but not pictured in detail. Overall, exterior is serviceable but would benefit from roof and ramp/porch inspection and basic cleanup/maintenance."
}
],
"red_flags": [
"No visible smoke detectors (required) — will cause immediate fail until installed.",
"No visible carbon monoxide detector (required where fuel-burning appliances/furnace/ gas stove present).",
"GFCI outlets not evident in kitchen and bathrooms — likely inspection failure.",
"Furnace located in a small closet with visible venting and wall staining behind it — needs clearance check and CO safety verification.",
"Staining on interior walls near mechanicals suggests past water intrusion that should be evaluated."
],
"confidence": 0.65,
"assumptions": [
"Photos are recent and reflect current condition; no major changes since photos were taken.",
"Utilities (water, gas, electric) are intact to the unit and will be energized for a HUD inspection per listing note.",
"Water heater and electrical panel exist in the house but were not visible in provided photos and are functional or serviceable.",
"Smoke detectors and carbon monoxide alarms are not present (none visible in photos) and will need installation.",
"GFCI protection for kitchen/bath outlets is not present or not visible and should be assumed required until confirmed.",
"Appliances shown (stove, refrigerator, dishwasher, washer/dryer) are included and in at least operable condition unless otherwise determined on inspection.",
"No severe hidden structural issues (foundation movement, major roof failure, collapsed ceilings) exist beyond what is visible in photos."
],
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed ranch appears structurally intact and largely turnkey with moderate cosmetic deferred maintenance. Major life-safety items likely to fail a Housing Choice Voucher/NSPIRE inspection as photographed: absence/not-visible smoke detectors and carbon monoxide alarm, possible lack of GFCI protection, and an aging ramp/handrail. Mechanical systems (furnace, plumbing) are present but aging and not fully documented in photos (water heater, electrical panel, AC). With targeted corrections (install hardwired/tenant-accessible smoke detectors and CO alarms, add/verify GFCI, secure/repair entry ramp handrail, a cleaning/paint refresh, and confirm mechanicals), the property should be able to pass an initial HCV inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior and kitchen are intact with working fixtures and existing appliances (refrigerator, stove, dishwasher) but show cosmetic deferred maintenance: stained hardwood, worn vinyl flooring, scuffed/dirty walls, older cabinetry and finishes. Bathrooms are present and appear functional but flooring and trim need refreshing. No exposed subfloor or collapsed surfaces visible. Missing minor cosmetic work and likely cleaning/painting; missing or aged outlet/switch plates not clearly visible but likely replaceable. Overall moderate cosmetic work only; appliances present so missing-appliance penalty not applied."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "No smoke detectors or carbon-monoxide alarms are visible in photos; presence of gas range and a fuel-fired furnace makes CO detectors required — this is a likely inspection failure until corrected. GFCI locations (kitchen/bath) are not visible; likely will require GFCI protection in kitchen and bathrooms. Ramp/entry rail appears low/aged and may need repair/securement. No obvious exposed wiring, loose handrails inside, or collapsed ceilings were observed. Small wall stains near the furnace area could indicate past water issues that should be cleared. Because life-safety items (smoke/CO/GFCI/entry handrail) are missing or not documented, this criterion is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Furnace is visibly present and appears connected; presence of baseboard heating suggests heat source exists. Gas range suggests gas supply. Water heater is not photographed and electrical panel not shown — these are unknowns. Roof is snow-covered but no obvious sagging or collapse visible from photos; some dark areas may indicate aging but no active leaks were photographed. Plumbing fixtures in bathrooms/kitchen appear present and intact. Overall mechanical systems appear present but aged and not fully documented, so moderate score pending functional verification."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior siding appears serviceable with no visible major foundation cracks or collapsed elements in the photo. Large tree very close to house could pose root/roof risk over time. Front accessibility ramp exists but looks aged and may need reinforcement or handrail updates to meet code. Detached garage and large lot are positives. Snow cover limits a full assessment of roof and grade/drainage, but no standing water or severe exterior neglect is evident."
}
],
"red_flags": [
"No visible smoke detectors in bedrooms/common areas (likely inspection fail).",
"No visible carbon monoxide detector despite fuel-burning furnace and gas range.",
"Potential handrail/entry ramp condition (may not meet safe/secure handrail requirements).",
"Aged furnace and visible staining on wall near furnace — possible past leak or combustion venting issue that requires verification."
],
"confidence": 0.7,
"assumptions": [
"Bedrooms are above-grade and windows provide required egress (no basement bedrooms).",
"Furnace is operational and provides adequate heat; fuel supply (gas/electric) is present.",
"Water heater and electrical panel exist and are serviceable though not pictured.",
"No active roof leaks or major hidden structural failures exist beyond what is visible in photos (snow limits roof assessment).",
"Utilities can be put in buyer's name for inspection as required by listing; inspector access to service equipment will be granted."
],
"overall_score": 63.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "This 1958 ranch appears structurally intact and largely turnkey after modest repairs. Interior fixtures, plumbing and a furnace are present and there are functioning bathrooms and kitchen appliances, so the property has a reasonable chance to pass an initial HCV/NSPIRE inspection after targeted fixes. Primary items to address before/at inspection: install/verify smoke and CO detectors, add GFCI protection in kitchen/bath as required, verify bedroom egress window sizes/operation, test HVAC and water heater, and repair any roof damage where snow obscures condition. With those corrections the home is likely rent-ready within ~2-4 weeks; without them the inspection would likely fail.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 70.0,
"rationale": "Interior is largely intact but shows deferred cosmetic maintenance: worn/vintage kitchen cabinets and counter, stained hardwood and carpet areas, older vinyl flooring, scuffed walls, and dated light fixtures. Appliances (refrigerator, range, dishwasher, washer/dryer) are present which reduces replacement need. No exposed subfloor or collapsed ceilings visible. Overall repairs appear cosmetic and moderate (painting, floor refinishing/replacement, cabinet/trim repairs, small plumbing fixtures) and are straightforward capital repairs that should not prevent tenancy once completed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "Multiple code/NSPIRE risks visible or not evidenced: no smoke detectors or carbon monoxide detectors visible in photos; kitchen does not show GFCI-protected outlets; bedroom window sizes/operation not clearly demonstrated (some bedrooms have small/high windows that may not meet egress); furnace is located in an interior closet which appears to have reasonable clearance but combustion appliance testing/CO protection not verified. No obvious exposed wiring or collapsed ceilings. These are moderate inspection risks — most are repairable but must be corrected before or at initial inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC / electrical / plumbing / roof)",
"score": 60.0,
"rationale": "Furnace and laundry equipment are present (photo of forced-air furnace), suggesting heating is available; plumbing fixtures (sinks, toilets, showers) appear intact in both bathrooms. Electrical panel not shown and presence/condition unknown. Roof condition is partially obscured by snow; no active interior leaks visible but exterior photo shows worn roof surface and tree limbs close to roof which raise medium risk. Water heater not visible. Systems appear functional but not fully verified; moderate risk until mechanicals are tested."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 65.0,
"rationale": "Siding and windows appear generally intact from photos. Large tree very close to the roofline and a visibly older roof raise maintenance concerns. There is a wood ramp leading to the front entrance which appears in place but may need inspection for secure handrail and tread condition. Snow covers walkways so trip hazards/driveway condition not fully visible. Detached garage is listed but not photographed. Overall yard and envelope show typical age-related wear but no obvious severe structural failure."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide detectors visible in any interior photos — mandatory for inspection and life-safety.",
"No visible GFCI protection in kitchen or bathrooms — likely requirement and common inspection failure point.",
"Potential roof deterioration/concern — exterior photo shows dark/worn area and tree contact with roof; exterior snow limits assessment and suggests risk of leak or shingle failure.",
"Staining on an interior bedroom wall and some floor staining — possible past water intrusion that should be investigated.",
"Bedroom egress uncertain — some bedrooms show small/high windows that may not meet emergency egress size requirements.",
"Electrical distribution and panel condition unverified (panel not photographed) — inability to confirm may lead to inspection contingencies."
],
"confidence": 0.6,
"assumptions": [
"Furnace seen in photos is the primary heating source and is operational or repairable (no evidence of no-heat inside).",
"Water heater exists on-site though it is not shown in the provided images.",
"Electrical service panel is present and intact but not shown; no visible exposed wiring in living spaces.",
"Kitchen and laundry appliances pictured will remain with the property (photos show them in place).",
"No active interior roof leaks at time of photos (no visible water stains on ceilings), though exterior snow hides some roof detail.",
"Bedrooms have windows that open, but sizes were not measured — some windows appear small and may require egress verification.",
"Detached 2-car garage exists as advertised but its condition is unknown (not photographed)."
],
"overall_score": 63.0,
"rubric_version": "2026-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "511 S Davis St, Forest, OH, 45843",
"aggregate": {
"summary": "This 3-bed, 2-bath ranch shows mostly intact structure and functioning major fixtures (range, refrigerator, dishwasher, washer/dryer, furnace present). Most issues visible are cosmetic or moderate maintenance (floors, paint, cabinetry). Primary inspection risks are missing smoke and carbon monoxide detectors, likely missing GFCI protection, and limited documentation/visibility of the water heater and electrical panel. With corrective actions (install detectors/CO alarms, add GFCIs where required, verify/clear furnace venting and HVAC operation, minor cosmetic repairs), the property appears likely to pass a Section 8/NSPIRE inspection within 2–6 weeks. Without those fixes the property would likely fail an initial inspection due to detector/GFCI failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears intact with cosmetic wear: stained hardwood in living room, worn vinyl in kitchen/baths, scuffed/aged paint, and minor cabinetry/trim wear. Major fixtures and appliances (stove, refrigerator, dishwasher, washer/dryer visible) are present which reduces capital need. Counters and flooring look like mid-level refreshes; no obvious collapsed subfloors or large open penetrations. Overall repairs are mostly cosmetic and medium-scope (painting, flooring, minor cabinet/trim work)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 66.7,
"rationale": "Exterior siding and envelope appear generally intact in the photo set. There is an entry ramp/porch that has a railing (which helps egress) but looks weathered. Large tree close to the house may increase risk for debris/roof damage. Snow makes detailed roof assessment difficult; no visible major roof collapse or foundation movement in images. Detached 2-car garage is listed but not pictured in detail. Overall, exterior is serviceable but would benefit from roof and ramp/porch inspection and basic cleanup/maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 51.7,
"rationale": "Visible safety gaps that would likely fail an initial NSPIRE/Section 8 inspection as pictured: no visible smoke detectors or carbon monoxide alarms (required where fuel-burning appliances exist), GFCI protection near kitchen/bath is not evident, and the furnace is located in a small closet with exposed venting and limited clearance (possible code/clearance issues). Windows appear standard and likely provide bedroom egress. No obvious exposed wiring, collapsed ceilings, major foundation cracks, or standing water were observed in photos. Missing detectors and likely missing GFCI outlets are inspection failures but are relatively easy to remediate."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 60.0,
"rationale": "A gas range and a forced-air/utility furnace are visible, indicating heating and cooking fuel systems are present. Furnace appears older but intact; water heater and electrical panel are not shown. No visible active leaks or major water damage, but staining behind the furnace suggests past moisture. Roof condition is indeterminate under snow but shows no obvious sagging or collapse. Because critical system components (water heater, electrical panel, HVAC operation) could not be fully confirmed from photos, score reflects moderate risk with likely need for functional verification / service."
}
],
"red_flags": [
"No visible smoke detectors (required) — will cause immediate fail until installed.",
"No visible carbon monoxide detector (required where fuel-burning appliances/furnace/ gas stove present).",
"GFCI outlets not evident in kitchen and bathrooms — likely inspection failure.",
"Furnace located in a small closet with visible venting and wall staining behind it — needs clearance check and CO safety verification.",
"Staining on interior walls near mechanicals suggests past water intrusion that should be evaluated."
],
"confidence": 0.95,
"assumptions": [
"Photos are recent and reflect current condition; no major changes since photos were taken.",
"Utilities (water, gas, electric) are intact to the unit and will be energized for a HUD inspection per listing note.",
"Water heater and electrical panel exist in the house but were not visible in provided photos and are functional or serviceable.",
"Smoke detectors and carbon monoxide alarms are not present (none visible in photos) and will need installation.",
"GFCI protection for kitchen/bath outlets is not present or not visible and should be assumed required until confirmed.",
"Appliances shown (stove, refrigerator, dishwasher, washer/dryer) are included and in at least operable condition unless otherwise determined on inspection.",
"No severe hidden structural issues (foundation movement, major roof failure, collapsed ceilings) exist beyond what is visible in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 62.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4799452223"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.