Property ID: 4837202623
503 E North Ave, Ada, OH, 45810
Ada, OH
Money Down: $31,200
CoC Return: -0.96%
Monthly Cash Flow: $-25
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,000
Closing Costs
$5,200
Total Down
$31,200
Investment Snapshot
Purchase Price
$130,000
Money Down
$31,200
Cash-on-Cash Return
-0.96%
Rent
$970
Monthly Cash Flow
$-25
Annual Cash Flow
$-299
Debt Service / Mo
$692
Property Tax / Mo
$152
Insurance / Mo
$54
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$970
Payment Standard
$1,230
Rent
$970
Insurance
$54
Property Tax
$152
Management
$97
Utilities Allowance
$260
NOI (Monthly)
$667
Debt Service
$692
Cash Flow After Debt
$-25
Quality Score: 67.00%
Confidence: 92.00%
This 3-bed ranch generally shows cosmetic updates and serviceable interior finishes; kitchen and bath appear updated and the property is likely rentable after minor repairs. Primary inspection risks are missing/uncertain smoke and CO detectors, unsecured dryer vent and unfinished laundry hookup area, potential absence of GFCI outlets, and an aged roof. These are mostly moderate repairs or replacements — likely able to pass an initial Housing Choice Voucher/NSPIRE inspection within ~30 days if detectors are installed, dryer vent secured, laundry appliances installed or properly capped, any required GFCI devices added, and the front steps/handrail addressed.
Section 8 Payment Standard
$1,230
Utility Allowance Total
$260
Guaranteed Section 8 Rent (PS - Utilities)
$970
Property Management
$97
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$130,000
Beds
3
Baths
1
Living Area
1,140 sqft
Lot Size
10,846 sqft
Year Built
1954
Days on Market
91
Capital Outlay
$31,200
Debt Service
$692
Property Tax / Mo
$152
Insurance / Mo
$54
Property Description
Ranch home in Ada. Very cute home with three bedrooms and a den. Partially fenced yard and storage shed. HUD Case #413-768365 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
heating
$75
Property details from resoFacts explicitly list 'Natural Gas' as the heating fuel.
other_electric
$39
This is a standard fixed allowance for general electricity usage (lights, outlets, etc.) based on the bedroom count.
sewer
$36
Property details from resoFacts state the property is connected to 'Public Sewer'.
water
$32
Property details from resoFacts state the water source is 'Public'.
water_heating
$33
Inferred based on the property having natural gas as the primary heating fuel.
trash_collection
$25
Trash collection is a standard utility for a single-family home and is assumed to be a tenant responsibility as it's not listed as provided.
cooking
$12
Property has natural gas heating and photos show a gas range, making this the most appropriate fuel choice.
refrigerator
$8
The property listing does not mention or show a refrigerator, so it is assumed to be tenant-supplied and the tenant bears the electricity cost.
air_conditioning
$0
The utility schedule's air conditioning allowance is specified for tenant-supplied window units only. This property has landlord-supplied Central Air.
range
$0
A range is provided by the landlord (seen in photos). The schedule's 'range' allowance is for a tenant-supplied appliance, making it not applicable here. Fuel costs are covered under 'cooking'.
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$632
DP3 Annual Estimate$661
DP1 Monthly Equivalent$53
DP3 Monthly Equivalent$55
Replacement Value$117,400
Basis1,140 sqft / 1954
Nearby Houses
Photo unavailable
532 N Liberty St
sold · 0.02 mi
Price: $158,000
3 bd / 1 ba · 1,544 sqft
Latest sale: $158,000 on Jan 27, 2025
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.06 mi
Price: $99,900
3 bd / 2 ba · 1,170 sqft
Latest sale: $99,900
Latest rent: —
Photo unavailable
516 Edwards St
sold · 0.07 mi
Price: $125,000
3 bd / 2 ba · 1,260 sqft
Latest sale: $125,000 on Sep 16, 2020
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.10 mi
Price: $73,000
3 bd / 1 ba · 1,232 sqft
Latest sale: $73,000
Latest rent: —
Photo unavailable
444 Edwards St Apt A
sold · 0.12 mi
Price: $75,000
3 bd / — ba
Latest sale: $75,000 on Jan 15, 2026
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 (inspection fail risk)
- No visible carbon monoxide detector (inspection fail risk where required)
- Unsecured dryer vent/unfinished laundry hookup (fire/trip hazard until corrected)
- Aged roof with visible wear (increased risk of leaks over time)
- Front steps lack a handrail and appear worn (trip/fall hazard)
Assumptions
- No smoke detectors or carbon monoxide detectors are present because none are visible in interior photos.
- Forced-air HVAC exists and is located out of view (vents visible); system operation not verified.
- Water heater and furnace locations are not shown; assumed present and operational unless inspection shows otherwise.
- Windows in bedrooms meet egress requirements based on size visible in photos; exact measurements not verified.
- Electrical panel is intact and serviceable as the cover is present, though breaker labeling and functionality were not tested.
- Missing refrigerator and washer/dryer are assumed absent (photos show no refrigerator and laundry hookups with appliances removed).
- Roof is aged and shows wear but no active leaks are evident from interior ceiling photos; hidden roof defects are possible.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,772 | $126,940 | $44,430 |
| 2024 | $1,760 | $126,940 | $44,430 |
| 2023 | $1,752 | $126,940 | $44,430 |
| 2022 | $1,294 | $81,260 | $28,440 |
| 2021 | $1,422 | $81,260 | $28,440 |
| 2020 | $1,441 | $81,260 | $28,440 |
| 2019 | $1,302 | $74,170 | $25,960 |
| 2018 | $1,274 | $74,170 | $25,960 |
| 2017 | $1,246 | $74,170 | $25,960 |
| 2016 | $1,032 | $64,310 | $22,510 |
| 2015 | $983 | $64,310 | $22,510 |
| 2014 | $963 | $64,310 | $22,510 |
| 2013 | $1,040 | $67,540 | $23,640 |
| 2012 | $1,030 | $67,540 | $23,640 |
| 2011 | $1,002 | $67,540 | $23,640 |
| 2009 | $978 | $65,170 | $22,810 |
| 2008 | $935 | $65,170 | $22,810 |
| 2006 | $872 | $59,850 | $20,950 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-08 | Sold | $112,600 |
| 2022-02-07 | Sold | $150,000 |
| 2019-03-22 | Sold | $99,000 |
| 2016-05-31 | Sold | $92,500 |
| 2012-06-29 | Sold | $87,000 |
| 2007-08-17 | Sold | $88,000 |
Photo Gallery
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{
"note": "Inferred based on the property having natural gas as the primary heating fuel.",
"utility": "water_heating",
"allowance": 33
},
{
"note": "Trash collection is a standard utility for a single-family home and is assumed to be a tenant responsibility as it's not listed as provided.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Property has natural gas heating and photos show a gas range, making this the most appropriate fuel choice.",
"utility": "cooking",
"allowance": 12
},
{
"note": "The property listing does not mention or show a refrigerator, so it is assumed to be tenant-supplied and the tenant bears the electricity cost.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "The utility schedule's air conditioning allowance is specified for tenant-supplied window units only. This property has landlord-supplied Central Air.",
"utility": "air_conditioning",
"allowance": 0
},
{
"note": "A range is provided by the landlord (seen in photos). The schedule's 'range' allowance is for a tenant-supplied appliance, making it not applicable here. Fuel costs are covered under 'cooking'.",
"utility": "range",
"allowance": 0
}
],
"cash_on_cash_return": 0.31,
"down_payment_amount": 26000.0,
"property_tax_annual": 1825.16,
"property_tax_monthly": 152.1,
"property_tax_increase": 0.03,
"utility_allowance_total": 260.0,
"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": -298.64,
"property_management_monthly": 97.0,
"monthly_cash_flow_after_debt": -24.89,
"cash_on_cash_return_after_debt": -0.01
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed ranch generally shows cosmetic updates and serviceable interior finishes; kitchen and bath appear updated and the property is likely rentable after minor repairs. Primary inspection risks are missing/uncertain smoke and CO detectors, unsecured dryer vent and unfinished laundry hookup area, potential absence of GFCI outlets, and an aged roof. These are mostly moderate repairs or replacements — likely able to pass an initial Housing Choice Voucher/NSPIRE inspection within ~30 days if detectors are installed, dryer vent secured, laundry appliances installed or properly capped, any required GFCI devices added, and the front steps/handrail addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears recently painted with new-ish flooring and functioning fixtures. Kitchen has range and microwave installed; cabinets intact. Minor cosmetic patching around laundry hookups, some scuffed trim and exterior siding wear. Missing refrigerator and laundry appliances (washer/dryer) and loose dryer vent observed — these reduce turn-key readiness but are repair/replace items, not structural. Front steps are worn; no major interior finish failures visible."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (required and commonly cause inspection failure). Entry door appears solid and likely has a deadbolt. Electrical panel cover is present. No obvious exposed wiring or severe water intrusion; bathroom/shower surround appears finished. Laundry area shows unsecured dryer vent and unfinished patching which could be a trip or fire-hazard if left. No handrail at front steps shown. GFCI presence in kitchen/bath is not evident from photos. Bedroom windows appear to provide egress, but detectors and GFCI are unknown — these unknowns create moderate risk of an initial NSPIRE failure."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Vent registers visible indicating a forced-air heating/AC system likely present but no furnace/AC or water heater shown. Electrical panel is visible with cover. Plumbing fixtures and hot water supply not verifiable but bathroom/kitchen fixtures appear functioning and recently updated. Roof shingles appear aged with staining and possible wear; no active leaks or sagging ceilings visible. Overall systems appear serviceable but several key items (HVAC equipment, water heater condition, GFCI, operation of outlets, hot water supply) are unverified — moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 65.0,
"rationale": "Exterior siding shows wear and paint/weathering; windows and door appear intact. Partially fenced yard and storage shed present (adds rental value). Roof shows aged shingles but no visible collapse. Front steps are worn and lack a handrail. Grounds show normal yard conditions; no standing water or obvious pest/infestation signs in photos."
}
],
"red_flags": [
"No visible smoke detectors (inspection fail risk)",
"No visible carbon monoxide detector (inspection fail risk where required)",
"Unsecured dryer vent/unfinished laundry hookup (fire/trip hazard until corrected)",
"Aged roof with visible wear (increased risk of leaks over time)",
"Front steps lack a handrail and appear worn (trip/fall hazard)"
],
"confidence": 0.65,
"assumptions": [
"No smoke detectors or carbon monoxide detectors are present because none are visible in interior photos.",
"Forced-air HVAC exists and is located out of view (vents visible); system operation not verified.",
"Water heater and furnace locations are not shown; assumed present and operational unless inspection shows otherwise.",
"Windows in bedrooms meet egress requirements based on size visible in photos; exact measurements not verified.",
"Electrical panel is intact and serviceable as the cover is present, though breaker labeling and functionality were not tested.",
"Missing refrigerator and washer/dryer are assumed absent (photos show no refrigerator and laundry hookups with appliances removed).",
"Roof is aged and shows wear but no active leaks are evident from interior ceiling photos; hidden roof defects are possible."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed ranch is largely cosmetically updated and appears close to rent-ready but has several NSPIRE inspection risks that need confirmation or minor fixes. The interior shows fresh paint, updated cabinetry and flooring, working-looking kitchen and bath fixtures, and closet/room egress. Primary risks for an initial Housing Choice Voucher inspection are missing/uncertified smoke and CO alarms, unknown presence of GFCI protection, unconfirmed operation of furnace/water heater, and aged roof/siding that should be evaluated. Missing laundry appliances and potentially a refrigerator will need addressing but are not automatic failures. Overall, the property is likely able to pass after targeted, short-term fixes (detectors, GFCIs, finalize laundry hookups, small exterior repairs) — estimated ready within 1–4 weeks depending on verification of mechanical systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Interior appears recently painted and cosmetically updated: fresh paint, new-looking vinyl/laminate floors, updated kitchen backsplash and painted cabinets, and renovated bathroom tile/vanity. Minor deferred items visible: laundry area shows unfinished patching and missing laundry appliances (no washer/dryer shown), small scuffs/patches on walls and trim, and front entry steps look weathered/uneven. Missing refrigerator not shown in photos (fridge likely absent). Overall repairs are cosmetic or appliance removals/replacements rather than major structural work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 68.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no exposed live wiring). Electrical panel is present and appears intact in the laundry photo. Bedrooms have windows that appear to offer egress. Entry door has a deadbolt/lock. Missing/unknown items that create inspection risk: smoke detectors and CO alarm are not visible in photos (required), presence of GFCI outlets in kitchen/bath is not shown, and the front entry has no handrail on the small steps (may or may not be required depending on riser count). Roofing shows age/wear but no interior evidence of active leaks in photos. Because required alarms/GFCI can't be confirmed, there is moderate risk for initial NSPIRE inspection items."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 62.0,
"rationale": "HVAC registers/grilles are visible in living spaces indicating central heating/air distribution likely present, and dryer/wash hookups are provided. The electrical panel is accessible. Water heater and furnace are not shown, so operability is assumed but unconfirmed. Roof appears aged (shingle discoloration/possible curling visible in exterior photo), which increases near-term capital risk. Plumbing fixtures in kitchen and bathroom appear installed and intact with no visible leaks in the images. Because key mechanical equipment (furnace, water heater) and their operational status are not shown, system-score is reduced to reflect uncertainty and possible near-term service need."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 60.0,
"rationale": "Property has a partially fenced yard and a storage shed/garage. Siding shows some wear and a loose/uneven bottom course on the front elevation which could allow water or pests; front concrete/stone steps look weathered and somewhat uneven. Roof appears aged with visible wear but no obvious active failure visible from photos. Yard appears generally free of debris and no standing water was observed in images. Overall exterior shows maintenance needs but not immediate structural collapse."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Furnace and water heater are present on the property and operable; neither is visible in provided photos.",
"HVAC is central forced air (inferred from visible floor/ceiling registers) and currently functional, since no heating failure or active leak is visible inside.",
"Smoke detectors and carbon monoxide alarms are not present or not visible in the photos; they will likely need installation/verification prior to inspection.",
"GFCI protection in kitchen and bathroom outlets is not visible in photos and is assumed unknown; may require installation.",
"A refrigerator and washer/dryer are not shown in the photos; appliances may be absent and would need to be provided for tenancy (fridge required by many PHAs but not a safety fail if absent at inspection).",
"Exterior roof shows signs of aging but there is no evidence of active interior water intrusion in the images; roof replacement may be near-term but not an immediate interior leak.",
"Front entry has no handrail; assume stair riser count/height may not legally require one, but the absence could be flagged depending on local code or inspector judgment."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be in fair-to-good condition with mostly cosmetic and minor repair needs. Interiors are clean, painted, and show functional kitchens/bath fixtures; key safety/system items (smoke/CO alarms, GFCI outlets, and proof of working HVAC/water heater) are not documented in the photos and must be verified. The most likely outcome is that the unit can pass an initial HCV/NSPIRE inspection after addressing a short checklist (install/verify smoke & CO alarms, secure dryer vent, repair/secure front steps and add/confirm required GFCI protection). Expected time to be pass-ready: within 1-4 weeks if utilities and systems are operational and minor items are completed; longer if mechanical systems are non-operational or require replacement.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show generally clean, recently painted surfaces, intact drywall, newish fixtures, functioning windows, updated kitchen cabinets and backsplash and an oven/microwave present. Flooring appears in good condition (vinyl/laminate and carpet). Defects observed are cosmetic or minor: patched drywall in laundry area, detached dryer vent on floor, worn/uneven front steps, and some exterior siding/finish wear. Missing laundry appliances (no washer/dryer visible) and a few cosmetic touch-ups will be needed but are not structural. Overall mostly cosmetic and minor repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious electrical hazards seen; electrical panel appears intact and closed in laundry area. Windows in bedrooms appear adequate for egress. Entry door appears to have a deadbolt and lock. No visible active roof leaks, collapsed ceilings, or major water damage in interior photos. However, no smoke detectors or carbon monoxide detectors are visible in the photos (NSPIRE requires operable smoke alarms in sleeping areas/hallways and CO alarms where required), and GFCI protection on kitchen/bath outlets is not evident from images. The front entry steps are deteriorated and present a trip hazard. The detached dryer vent (on floor) is a minor fire/hazard concern. These issues create inspection risk but are likely fixable before occupancy."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 60.0,
"rationale": "Supply registers/vent grilles are visible, indicating a forced-air system but the actual furnace/AC and water heater are not pictured so operation is unconfirmed. Electrical panel is present and closed. Plumbing fixtures (sink, toilet, tub/shower) appear intact and newly finished in bathroom. Roof shingles appear aged with wear but no obvious sagging or active leaks visible from the front photo; age suggests remaining life but not immediate collapse. The laundry hookups and dryer vent are present but dryer vent is disconnected/unsecured. Because critical equipment (furnace, water heater) isn't photographed, system operability must be verified; this uncertainty reduces the score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "The lot is partially fenced and includes a storage shed/garage. Siding and trim show wear and could use touch-up work. The roof shows wear but no obvious failure from the available angle. The front entry steps are deteriorated and lack a handrail (potential trip hazard depending on riser count). Walkways/yard appear serviceable; no standing water or visible major foundation cracking in the photos. Overall, exterior condition is fair with some repair/cosmetic items required."
}
],
"red_flags": [
"No visible smoke detectors in photos (NSPIRE requires operable alarms in sleeping areas/hallways).",
"No visible carbon monoxide alarm (if required by local code/if fuel-burning appliances present).",
"No visible GFCI-protected outlets in kitchen and bathroom from photos.",
"Dryer vent is unsecured/lying on the floor in laundry area (fire/moisture hazard).",
"Deteriorated front steps creating a trip hazard; no handrail visible."
],
"confidence": 0.65,
"assumptions": [
"Utilities will be turned on for inspection as required by listing; operability of HVAC and water heater is assumed but not shown in photos.",
"No active roof leaks or interior water damage exist beyond what is visible; roof is aged but not actively failing based on photos.",
"Electrical panel is assumed to be serviceable because it is present and closed; full electrical condition not verified visually.",
"No smoke detectors or CO alarms are visible in photos — assume they are not installed or not shown and will need verification/installation.",
"GFCI protection in kitchen/bath not visible; assume missing until proven otherwise.",
"Laundry hookups exist but washer/dryer units are not present; dryer vent is shown disconnected and must be secured/installed.",
"Front entry steps are deteriorated and should be repaired to eliminate trip hazard; handrail requirement depends on riser count but remediation likely required.",
"No evidence of severe mold, structural sagging, foundation movement, collapsed ceilings or fire damage in provided photos; if present, score would be significantly lower."
],
"overall_score": 69.0,
"rubric_version": "2026-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "503 E North Ave, Ada, OH, 45810",
"aggregate": {
"summary": "This 3-bed ranch generally shows cosmetic updates and serviceable interior finishes; kitchen and bath appear updated and the property is likely rentable after minor repairs. Primary inspection risks are missing/uncertain smoke and CO detectors, unsecured dryer vent and unfinished laundry hookup area, potential absence of GFCI outlets, and an aged roof. These are mostly moderate repairs or replacements — likely able to pass an initial Housing Choice Voucher/NSPIRE inspection within ~30 days if detectors are installed, dryer vent secured, laundry appliances installed or properly capped, any required GFCI devices added, and the front steps/handrail addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 76.0,
"rationale": "Interior appears recently painted with new-ish flooring and functioning fixtures. Kitchen has range and microwave installed; cabinets intact. Minor cosmetic patching around laundry hookups, some scuffed trim and exterior siding wear. Missing refrigerator and laundry appliances (washer/dryer) and loose dryer vent observed — these reduce turn-key readiness but are repair/replace items, not structural. Front steps are worn; no major interior finish failures visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 65.0,
"rationale": "Exterior siding shows wear and paint/weathering; windows and door appear intact. Partially fenced yard and storage shed present (adds rental value). Roof shows aged shingles but no visible collapse. Front steps are worn and lack a handrail. Grounds show normal yard conditions; no standing water or obvious pest/infestation signs in photos."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 62.7,
"rationale": "No smoke detectors or CO alarms are visible in photos (required and commonly cause inspection failure). Entry door appears solid and likely has a deadbolt. Electrical panel cover is present. No obvious exposed wiring or severe water intrusion; bathroom/shower surround appears finished. Laundry area shows unsecured dryer vent and unfinished patching which could be a trip or fire-hazard if left. No handrail at front steps shown. GFCI presence in kitchen/bath is not evident from photos. Bedroom windows appear to provide egress, but detectors and GFCI are unknown — these unknowns create moderate risk of an initial NSPIRE failure."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.7,
"rationale": "Vent registers visible indicating a forced-air heating/AC system likely present but no furnace/AC or water heater shown. Electrical panel is visible with cover. Plumbing fixtures and hot water supply not verifiable but bathroom/kitchen fixtures appear functioning and recently updated. Roof shingles appear aged with staining and possible wear; no active leaks or sagging ceilings visible. Overall systems appear serviceable but several key items (HVAC equipment, water heater condition, GFCI, operation of outlets, hot water supply) are unverified — moderate risk."
}
],
"red_flags": [
"No visible smoke detectors (inspection fail risk)",
"No visible carbon monoxide detector (inspection fail risk where required)",
"Unsecured dryer vent/unfinished laundry hookup (fire/trip hazard until corrected)",
"Aged roof with visible wear (increased risk of leaks over time)",
"Front steps lack a handrail and appear worn (trip/fall hazard)"
],
"confidence": 0.92,
"assumptions": [
"No smoke detectors or carbon monoxide detectors are present because none are visible in interior photos.",
"Forced-air HVAC exists and is located out of view (vents visible); system operation not verified.",
"Water heater and furnace locations are not shown; assumed present and operational unless inspection shows otherwise.",
"Windows in bedrooms meet egress requirements based on size visible in photos; exact measurements not verified.",
"Electrical panel is intact and serviceable as the cover is present, though breaker labeling and functionality were not tested.",
"Missing refrigerator and washer/dryer are assumed absent (photos show no refrigerator and laundry hookups with appliances removed).",
"Roof is aged and shows wear but no active leaks are evident from interior ceiling photos; hidden roof defects are possible."
],
"score_method": "mean_of_criteria",
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4837202623"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.