Property ID: 4832495499
288 Bascom Ave, Pittsburgh, PA, 15214
Pittsburgh, PA
Money Down: $28,776
CoC Return: 72.17%
Monthly Cash Flow: $1,731
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
72.17%
Rent
$2,870
Monthly Cash Flow
$1,731
Annual Cash Flow
$20,768
Debt Service / Mo
$638
Property Tax / Mo
$177
Insurance / Mo
$38
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,870
Payment Standard
$2,952
Rent
$2,870
Insurance
$38
Property Tax
$177
Management
$287
Utilities Allowance
$82
NOI (Monthly)
$2,369
Debt Service
$638
Cash Flow After Debt
$1,731
Quality Score: 68.00%
Confidence: 93.00%
This 3-bed single-family home appears generally serviceable with mostly cosmetic deferred maintenance. Interiors look clean and livable; listing indicates appliances and mechanicals are present in the lower level. The primary inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection and major system operation (HVAC, water heater, electrical panel) which are not shown in the photos. Exterior and porch show wear (peeling paint, fence damage, worn steps/rail) but no visible structural failure. With targeted repairs/verification (install/verify alarms, ensure GFCI, confirm HVAC/water heater function, repair/secure handrails and porch/steps), the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.
Section 8 Payment Standard
$2,952
Utility Allowance Total
$82
Guaranteed Section 8 Rent (PS - Utilities)
$2,870
Property Management
$287
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
1
Living Area
1,248 sqft
Lot Size
5,445 sqft
Year Built
1920
Days on Market
223
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$177
Insurance / Mo
$38
Property Description
Great opportunity for a starter home or investment property! This home welcomes you with a covered front porch leading into a bright living room that flows into the dining area, filled with natural light from the large windows. The kitchen offers ample space and comes with appliances. Upstairs, youll find three well-sized bedrooms and a full bath. The lower level provides plenty of storage and houses the mechanicals. Enjoy the rear yard and patio, perfect for outdoor use, plus the convenience of one off-street parking space. Located just minutes from major highways, shopping, dining, and more, this home offers convenience and potential. While it needs some updating, it provides the perfect chance to build equity and create the home youve envisioned. Close to highways, shopping, and restaurantsthis home is full of potential and ready for your personal touches.
Utility Allowances
Heating
$82
The property has gas heating. The allowance is based on the 'natural_gas' option for a 3-bedroom unit.
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$286
DP3 Annual Estimate$614
DP1 Monthly Equivalent$24
DP3 Monthly Equivalent$51
Replacement Value$45,500
Basis1,248 sqft / 1920
Nearby Houses
Photo unavailable
284 Bascom Ave
sold · 0.01 mi
Price: $97,000
3 bd / 2 ba · 1,449 sqft
Latest sale: $97,000 on Mar 18, 2024
Latest rent: —
Photo unavailable
43 Grandview Ave
sold · 0.03 mi
Price: $99,900
2 bd / 1 ba
Latest sale: $99,900 on Jul 31, 2020
Latest rent: —
Photo unavailable
41 Grandview Ave
sold · 0.04 mi
Price: $51,000
3 bd / 2 ba · 1,201 sqft
Latest sale: $51,000 on Aug 08, 2022
Latest rent: —
Photo unavailable
57 Grandview Ave
sold · 0.04 mi
Price: $207,000
3 bd / 2 ba · 1,892 sqft
Latest sale: $207,000 on Mar 31, 2020
Latest rent: —
Photo unavailable
283 Bascom Ave
for_sale · 0.06 mi
Price: $79,000
3 bd / 1 ba · 2,442 sqft
Latest sale: $47,900
Latest rent: —
Photo unavailable
301 Bascom Ave
sold · 0.07 mi
Price: $100,000
1 bd / 1 ba · 716 sqft
Latest sale: $100,000 on May 24, 2021
Latest rent: —
Photo unavailable
303 Bascom Ave
sold · 0.07 mi
Price: $90,000
3 bd / 2 ba · 2,032 sqft
Latest sale: $90,000 on Oct 31, 2023
Latest rent: $1,750 on Dec 03, 2024
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke or carbon monoxide detectors in interior photos — required for NSPIRE/HCV.
- Front porch/entry steps and some exterior railings/fencing show wear and partial disrepair — potential trip/fall or handrail compliance issue.
- Suspended ceiling tiles throughout main areas — could indicate past moisture issues or concealments that require verification.
- Major systems (furnace, hot water heater, electrical panel) not shown — unverified and must be confirmed functional prior to inspection.
Assumptions
- Listing statement 'comes with appliances' is accurate and functioning appliances (stove, refrigerator) are present.
- Mechanical systems (heating source, water heater, electrical panel) are located in the lower level as stated and are at least operable, though not photographed.
- Windows in bedrooms provide adequate egress (based on visible double-hung windows) though sizes/opening are not measured in photos.
- Absence of visible smoke/CO detectors in photos means they may be missing or not visible; assume they are not reliably installed unless confirmed.
- No active interior roof leaks, major foundation movement, or collapsed structural elements exist beyond what is shown in photos (no visible staining, sagging or cracking in images).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,058 | $85,500 | $67,500 |
| 2024 | $1,831 | $85,500 | $67,500 |
| 2023 | $1,831 | $85,500 | $67,500 |
| 2022 | $1,786 | $85,500 | $67,500 |
| 2021 | $1,760 | $85,500 | $67,500 |
| 2020 | $1,760 | $85,500 | $67,500 |
| 2019 | $1,733 | $85,500 | $67,500 |
| 2018 | $1,716 | $85,500 | $67,500 |
| 2017 | $1,703 | $85,500 | $67,500 |
| 2016 | $1,715 | $85,500 | $67,500 |
| 2015 | $1,715 | $85,500 | $67,500 |
| 2014 | $1,701 | $85,500 | $67,500 |
| 2013 | $1,985 | $85,500 | $67,500 |
| 2012 | $1,548 | $51,700 | $36,700 |
| 2011 | $1,478 | $51,700 | $36,700 |
| 2010 | $1,289 | $51,700 | $36,700 |
| 2009 | $954 | $51,700 | $36,700 |
| 2008 | $963 | $51,700 | $36,700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1998-04-29 | Sold | $44,350 |
Photo Gallery
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},
{
"date": "1998-04-29",
"price": 44350,
"listing": null,
"event_name": "Sold",
"price_sqft": 35.53685897435897,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "4832495499",
"generated_at": "2026-02-25T00:17:53.272421Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.0
},
"utility_allowance": {
"zip_code": "15214",
"home_photo": "https://ap.rdcpix.com/787613579798d776f1e0bc0da4f6ac2el-b3622955899s-w1280.jpg",
"rent_price": 2870.0,
"loan_amount": 95920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/288-Bascom-Ave_Pittsburgh_PA_15214_M48324-95499",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 119900.0,
"loan_term_years": 30,
"annual_cash_flow": 28426.26,
"mortgage_monthly": 638.16,
"payment_standard": 2952.0,
"total_amount_out": 23980.0,
"additional_photos": [
"https://ap.rdcpix.com/787613579798d776f1e0bc0da4f6ac2el-b3195224694s-w1280.jpg",
"https://ap.rdcpix.com/787613579798d776f1e0bc0da4f6ac2el-b210862124s-w1280.jpg",
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"https://ap.rdcpix.com/787613579798d776f1e0bc0da4f6ac2el-b2657674724s-w1280.jpg",
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"https://ap.rdcpix.com/787613579798d776f1e0bc0da4f6ac2el-b1515011642s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 37.5,
"monthly_cash_flow": 2368.86,
"property_tax_rate": 0.0168,
"_utility_allowance": {
"sources": [
"https://hacp.org/app/uploads/2025/10/2026-HCV-Utility-Allowance-Schedule.pdf",
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property has gas heating. The allowance is based on the 'natural_gas' option for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 82
}
],
"cash_on_cash_return": 1.19,
"down_payment_amount": 23980.0,
"property_tax_annual": 2119.74,
"property_tax_monthly": 176.65,
"property_tax_increase": 0.03,
"utility_allowance_total": 82.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf",
"https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/doing-business/landlord-resources/"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 20768.36,
"property_management_monthly": 287.0,
"monthly_cash_flow_after_debt": 1730.7,
"cash_on_cash_return_after_debt": 0.87
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed single-family home appears generally serviceable with mostly cosmetic deferred maintenance. Interiors look clean and livable; listing indicates appliances and mechanicals are present in the lower level. The primary inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection and major system operation (HVAC, water heater, electrical panel) which are not shown in the photos. Exterior and porch show wear (peeling paint, fence damage, worn steps/rail) but no visible structural failure. With targeted repairs/verification (install/verify alarms, ensure GFCI, confirm HVAC/water heater function, repair/secure handrails and porch/steps), the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior photos show generally intact finishes, hardwood floors, functioning doors and windows and included appliances per listing. Observable deferred items are mostly cosmetic: suspended ceiling tiles throughout the main living/dining, peeling paint on the porch floor, some worn carpeting at the stairs, and an overgrown/partially damaged picket fence and yard structures. Porch and exterior paint/siding show age but no obvious collapse or severe decay. Missing small items (outlet/GFCI covers, trim touch-up) are likely. Overall appears mostly cosmetic and repairable within minor renovation budget."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 60.0,
"rationale": "No exposed wiring, major structural failure, or active water intrusion is visible in photos. However, no smoke detectors or CO detectors are visible in interior photos (required in sleeping areas/hallways) and the kitchen/bath GFCI presence cannot be confirmed. Porch and front steps show wear; the handrail/guard condition is unclear and may require repair for safe egress. Bedroom egress windows appear probable given window sizes but cannot be verified for opening/height from photos. Electrical panel and water heater locations are not shown. These unknowns represent moderate inspection risk that are usually fixable but must be confirmed/fixed prior to an HCV inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 65.0,
"rationale": "Listing states mechanicals are in the lower level; a floor vent in living room and functioning ceiling fans suggest a forced-air system present. No furnace/water heater/utility photos provided so operational condition is assumed but unverified. Roof shingles and chimney are visible and appear aged but not collapsed; no active leaks are visible from interior photos. Because major systems are not shown, there is moderate uncertainty that reduces the score — likely operational but need verification of heating, hot water, electrical panel, and water heater condition prior to voucher inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 65.0,
"rationale": "Exterior photos show an intact foundation, stone porch base and siding. The roof appears older but not visibly failed. Front steps and entry path are present; however the front yard and picket fence show disrepair and overgrowth. Driveway and single off-street parking space are present. No visible standing water, major foundation cracks, or roof collapses in photos. Exterior is serviceable but needs yard/guardrail/paint and small repairs to be tidy and safe."
}
],
"red_flags": [
"No visible smoke or carbon monoxide detectors in interior photos — required for NSPIRE/HCV.",
"Front porch/entry steps and some exterior railings/fencing show wear and partial disrepair — potential trip/fall or handrail compliance issue.",
"Suspended ceiling tiles throughout main areas — could indicate past moisture issues or concealments that require verification.",
"Major systems (furnace, hot water heater, electrical panel) not shown — unverified and must be confirmed functional prior to inspection."
],
"confidence": 0.6,
"assumptions": [
"Listing statement 'comes with appliances' is accurate and functioning appliances (stove, refrigerator) are present.",
"Mechanical systems (heating source, water heater, electrical panel) are located in the lower level as stated and are at least operable, though not photographed.",
"Windows in bedrooms provide adequate egress (based on visible double-hung windows) though sizes/opening are not measured in photos.",
"Absence of visible smoke/CO detectors in photos means they may be missing or not visible; assume they are not reliably installed unless confirmed.",
"No active interior roof leaks, major foundation movement, or collapsed structural elements exist beyond what is shown in photos (no visible staining, sagging or cracking in images)."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bedroom, 1-bath 1920 single-family home appears structurally sound from listing photos with primarily cosmetic deferred maintenance (porch paint, fence, minor trim). Major systems appear present (thermostat, registers, appliances per listing, mechanicals in lower level) but are unverified. The principal inspection risk is missing/undocumented smoke and carbon monoxide alarms and unknown GFCI protection in wet areas — items that commonly cause initial NSPIRE failures but are typically easy to correct. Expect a likely pass after addressing alarm installation, verifying HVAC/hot water, confirming electrical safety (GFCI/outlet protection), and completing minor exterior repairs. Time-to-rent readiness: minor repairs and alarm installs — approximately 1–4 weeks depending on mechanical verification and small repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show generally clean, intact surfaces: solid-looking hardwood floors, painted walls, functioning doors and windows, and installed appliances per listing. Visible deferred maintenance is primarily cosmetic: worn porch paint, some exterior peeling, an aging picket fence, and ceiling drop tiles in multiple rooms (cosmetic but suggests prior work). No obvious collapsed ceilings, exposed subfloor, or large holes. Missing/dated finishes (porch paint, fence repair, minor trim repairs) are easy-to-fix capital items; missing appliance risk is low because the listing states appliances included. Overall limited, mostly cosmetic work expected."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Photos do not show smoke detectors or carbon monoxide alarms (required by NSPIRE/HUD — at least one on each level and in sleeping areas). GFCI protected outlets in kitchen/bath are not visible. Entry door appears to have a deadbolt and storm door (positive). No visible exposed wiring, active roof leaks, severe mold, standing water, or collapsed ceilings in photos. Porch guardrails present but some exterior stair/handrail details on interior stairs are not visible. Because required alarms/protection are not visible and GFCI status is unknown, the property carries a moderate inspection risk that will require corrective items to pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Thermostat and floor registers are visible indicating central heating/forced air likely present. Listing notes mechanicals in lower level. Roof and chimney appear intact at a distance; no visible sagging or large missing shingle areas from exterior photo. Kitchen reportedly includes appliances, implying functioning plumbing and stove/fridge hookups. Water heater/furnace condition not shown; electrical panel not visible. Given age (built 1920) systems may be older but there's no visual evidence of catastrophic failure. Expect routine servicing and verification of smoke/CO power and hot water operation before inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior shell appears generally intact: siding in place, stone foundation visible and not noticeably cracked, porch structure and brick piers stable in photos. Yard is overgrown in places and the white picket fence shows rot/paint failure. Walkway and stairs show wear but are serviceable; driveway and single off-street parking exist. Rear yard slopes upward (possible drainage consideration) but no visible standing water or erosion. Overall exterior needs modest cosmetic cleanup, fence repair, and vegetation management."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photographed living areas (NSPIRE requires alarms on each level and in sleeping areas).",
"Drop ceiling tiles in multiple rooms — potential indicator of prior ceiling repairs or moisture issues that should be investigated.",
"Peeling/aged exterior paint on a 1920-built property — potential lead-based paint risk until tested/mitigated."
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'kitchen comes with appliances' is accurate; stove and refrigerator are present and operational.",
"Mechanical systems (furnace/boiler and water heater) are located in the lower level and are functional or serviceable — presence inferred from visible thermostat and floor registers.",
"No active roof leaks or major unseen structural defects exist beyond what is visible in exterior photos.",
"Bedroom egress windows meet local egress size requirements (bedrooms not pictured); assume standard double-hung windows provide egress.",
"Electrical panel and wiring are intact and without visible hazards; no exposed live wiring visible in photos.",
"Absence of visible smoke/CO detectors in photos likely indicates they are either not installed or not shown; treat as missing for inspection-risk purposes."
],
"overall_score": 67.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "This 3-bed, 1-bath 1920 single-family shows a mostly sound interior and exterior with mostly cosmetic and minor safety/call-for-service items. Appliances are reported included. Primary inspection risks are absence/unverified smoke and CO alarms, likely lead-paint risk (pre-1978), front entry trip/stair concerns, vegetation contacting the structure, and unverified mechanical ages/conditions. With installation/verification of smoke/CO detectors, addressing the front-step trip hazard, clearing vegetation, repairing the picket fence/porch finish, and validating HVAC/water-heater/electrical panel operation, the home is likely to pass an initial HCV/NSPIRE inspection within 2–4 weeks. If mechanicals are older or inoperable, repair time increases.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior photos show clean, occupied rooms with intact hardwood floors, working ceiling fans and painted trim — only cosmetic updating appears needed. The listing states the kitchen includes appliances (so missing-appliance risk is low). Visible deferred items: worn porch floor paint, peeling paint on picket fence, overgrown vegetation encroaching on the porch/steps, and some exterior surface wear. Drop ceiling tiles in living/dining are older but not visibly sagging. No visible collapsed ceilings, exposed subfloor, or severe interior damage. Overall mostly cosmetic/minor repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 65.0,
"rationale": "No obvious electrical hazards visible in photos (outlet covers present, no exposed wiring). Entry door has a deadbolt and storm door. Windows shown appear operable and likely provide egress for bedrooms, but bedrooms/bath photos are not provided so egress and bedroom window sizes cannot be fully verified. No smoke detectors or CO alarms are visible in the provided interior photos — these are required. Front steps and walkway show uneven surfaces and some deterioration creating a trip/stair safety concern. Exterior vegetation near the foundation and fencing deterioration present possible pest/moisture risks. Lead-paint risk is high given 1920 construction and should be addressed. Plumbing fixtures, hot water, and GFCI presence cannot be confirmed from photos and should be verified."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Listing indicates mechanicals are in the lower level; interior photos show a wall thermostat and supply/return vents which imply a forced-air system exists. No photos of furnace, water heater, electrical panel, or evidence of active leaks were provided. Roof and chimney are visible and appear intact from the exterior photo (shingles show normal age-related wear but no obvious large-scale failure). Because mechanicals are not photographed, assume present and functional but recommend verification and age/service records. No visible signs of major plumbing or drainage failure in photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 68.0,
"rationale": "Exterior siding appears generally intact though aged; the roof shows wear consistent with an older home but no collapse or large missing sections visible. Front porch structure and columns look intact; porch floor paint is worn. Steps and front walkway appear uneven and there is overgrown vegetation adjacent to the house. Rear yard slopes upward and contains aging fencing and garden cages; drainage and retaining conditions behind the house are not fully shown and should be checked. No visible standing water or obvious foundation cracking in provided photos, but some mortar/stone foundation is visible and should be inspected for settlement."
}
],
"red_flags": [
"Lead-based paint risk (property built 1920) — requires LBP compliance and tenant protection steps.",
"No visible smoke/CO detectors in interior photos — must verify and install to meet NSPIRE and local code before tenancy.",
"Front entry steps and walkway show uneven surfaces/trip hazard — potential NSPIRE fail if not repaired or made safe.",
"Vegetation overgrowth contacting porch/house and deteriorated picket fence — moisture/pest risk and exterior maintenance needed."
],
"confidence": 0.6,
"assumptions": [
"Listing statement that 'kitchen offers ample space and comes with appliances' is correct — photos do not show the full kitchen but appliances are assumed present.",
"Mechanical systems (furnace/boiler, water heater, electrical panel) exist in the lower level as stated in the listing; their operability is assumed but not verified by photos.",
"Bedrooms upstairs have egress-capable windows based on visible large windows in upper-floor exterior photo (not directly photographed from bedrooms).",
"No active roof leak or interior water damage is visible in the supplied photos; assume roof is aged but not failing until an up-close inspection shows otherwise.",
"No smoke detectors or CO alarms were visible in supplied interior photos; assume they may be absent or not in pictured rooms and must be confirmed/installed.",
"Lead-based paint risk is assumed due to year built (1920) even though peeling lead paint is not obvious in photos."
],
"overall_score": 70.0,
"rubric_version": "2026-02-25_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "288 Bascom Ave, Pittsburgh, PA, 15214",
"aggregate": {
"summary": "This 3-bed single-family home appears generally serviceable with mostly cosmetic deferred maintenance. Interiors look clean and livable; listing indicates appliances and mechanicals are present in the lower level. The primary inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection and major system operation (HVAC, water heater, electrical panel) which are not shown in the photos. Exterior and porch show wear (peeling paint, fence damage, worn steps/rail) but no visible structural failure. With targeted repairs/verification (install/verify alarms, ensure GFCI, confirm HVAC/water heater function, repair/secure handrails and porch/steps), the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior photos show generally intact finishes, hardwood floors, functioning doors and windows and included appliances per listing. Observable deferred items are mostly cosmetic: suspended ceiling tiles throughout the main living/dining, peeling paint on the porch floor, some worn carpeting at the stairs, and an overgrown/partially damaged picket fence and yard structures. Porch and exterior paint/siding show age but no obvious collapse or severe decay. Missing small items (outlet/GFCI covers, trim touch-up) are likely. Overall appears mostly cosmetic and repairable within minor renovation budget."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 67.7,
"rationale": "Exterior photos show an intact foundation, stone porch base and siding. The roof appears older but not visibly failed. Front steps and entry path are present; however the front yard and picket fence show disrepair and overgrowth. Driveway and single off-street parking space are present. No visible standing water, major foundation cracks, or roof collapses in photos. Exterior is serviceable but needs yard/guardrail/paint and small repairs to be tidy and safe."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 60.0,
"rationale": "No exposed wiring, major structural failure, or active water intrusion is visible in photos. However, no smoke detectors or CO detectors are visible in interior photos (required in sleeping areas/hallways) and the kitchen/bath GFCI presence cannot be confirmed. Porch and front steps show wear; the handrail/guard condition is unclear and may require repair for safe egress. Bedroom egress windows appear probable given window sizes but cannot be verified for opening/height from photos. Electrical panel and water heater locations are not shown. These unknowns represent moderate inspection risk that are usually fixable but must be confirmed/fixed prior to an HCV inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 66.7,
"rationale": "Listing states mechanicals are in the lower level; a floor vent in living room and functioning ceiling fans suggest a forced-air system present. No furnace/water heater/utility photos provided so operational condition is assumed but unverified. Roof shingles and chimney are visible and appear aged but not collapsed; no active leaks are visible from interior photos. Because major systems are not shown, there is moderate uncertainty that reduces the score — likely operational but need verification of heating, hot water, electrical panel, and water heater condition prior to voucher inspection."
}
],
"red_flags": [
"No visible smoke or carbon monoxide detectors in interior photos — required for NSPIRE/HCV.",
"Front porch/entry steps and some exterior railings/fencing show wear and partial disrepair — potential trip/fall or handrail compliance issue.",
"Suspended ceiling tiles throughout main areas — could indicate past moisture issues or concealments that require verification.",
"Major systems (furnace, hot water heater, electrical panel) not shown — unverified and must be confirmed functional prior to inspection."
],
"confidence": 0.93,
"assumptions": [
"Listing statement 'comes with appliances' is accurate and functioning appliances (stove, refrigerator) are present.",
"Mechanical systems (heating source, water heater, electrical panel) are located in the lower level as stated and are at least operable, though not photographed.",
"Windows in bedrooms provide adequate egress (based on visible double-hung windows) though sizes/opening are not measured in photos.",
"Absence of visible smoke/CO detectors in photos means they may be missing or not visible; assume they are not reliably installed unless confirmed.",
"No active interior roof leaks, major foundation movement, or collapsed structural elements exist beyond what is shown in photos (no visible staining, sagging or cracking in images)."
],
"score_method": "mean_of_criteria",
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4832495499"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.