Property ID: 4864518559
203 Belmont St, Alger, OH, 45812
Alger, OH
Money Down: $18,000
CoC Return: 10.12%
Monthly Cash Flow: $152
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,000
Closing Costs
$3,000
Total Down
$18,000
Investment Snapshot
Purchase Price
$75,000
Money Down
$18,000
Cash-on-Cash Return
10.12%
Rent
$742
Monthly Cash Flow
$152
Annual Cash Flow
$1,822
Debt Service / Mo
$399
Property Tax / Mo
$61
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$742
Payment Standard
$973
Rent
$742
Insurance
$56
Property Tax
$61
Management
$74
Utilities Allowance
$231
NOI (Monthly)
$551
Debt Service
$399
Cash Flow After Debt
$152
Quality Score: 63.20%
Confidence: 82.00%
This 2BR/1BA single-family home appears largely serviceable and would likely pass an initial HCV/NSPIRE inspection after a short pre-inspection checklist and minor repairs (install/verify smoke & CO alarms, confirm heating and hot water operation, repair/secure porch railings/rotten wood, confirm bedroom egress). Main systems (roof, siding, utilities) show no visible catastrophic failures; however, critical verifier items (smoke/CO detectors, furnace/water heater visibility, egress dimensions) were not documented in photos and reduce readiness confidence. Estimated time-to-pass: ~2–4 weeks if systems are operable and detectors are installed; longer if HVAC or egress upgrades are required.
Section 8 Payment Standard
$973
Utility Allowance Total
$231
Guaranteed Section 8 Rent (PS - Utilities)
$742
Property Management
$74
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$75,000
Beds
2
Baths
1
Living Area
720 sqft
Lot Size
9,148 sqft
Year Built
1953
Days on Market
140
Capital Outlay
$18,000
Debt Service
$399
Property Tax / Mo
$61
Insurance / Mo
$56
Property Description
Charming Small-Town Living on a Double Lot: If you've been dreaming of a simpler, quieter lifestyle with room to breathe, 203 Belmont St is the perfect place to call home. This cozy 2-bedroom, 1-bath house sits on two spacious parcels, giving you plenty of space to host gatherings or create your own oasis! Build a fire pit, add a shed, create outdoor living spaces - there's room here to bring all of your ideas to life. Inside, you'll find updated flooring and refreshed kitchen countertops that bring a clean, modern touch to a classic layout. The home is easy to maintain and full of potential - perfect for an array of different buyers in a small-town market. The steel roof offers long-term durability and peace of mind, while the attached 1-car garage gives you storage or workshop options. This home offers the lifestyle so many people are searching for right now: Small-town charm, a big backyard, and a cozy home that won't overwhelm your weekends or your budget. Available to show 12/9/25, additional pictures coming soon!
Utility Allowances
Heating
$67
Property listing specifies 'Electric' heating. Selected the 'electric' option from the schedule.
Cooking
$11
Assumed electric cooking fuel to be consistent with the property's electric heating system.
Water Heating
$33
Assumed electric water heating as the property's primary heating source is electric.
Other Electric
$32
Standard allowance for general electricity use (lights and outlets) for a 2-bedroom single-family home.
Water
$26
The property is connected to public water as stated in the listing.
Sewer
$29
The property is connected to a public sewer system as stated in the listing.
Trash Collection
$25
Trash collection is a standard required service for a single-family residence and is included on the schedule.
Range
$8
The property listing does not explicitly state a range/oven is provided, so an allowance for a tenant-owned appliance is included.
Air Conditioning
$0
The property listing states there is no cooling system.
Refrigerator
$0
The property listing indicates a refrigerator is provided by the landlord.
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$673
DP3 Annual Estimate$673
DP1 Monthly Equivalent$56
DP3 Monthly Equivalent$56
Replacement Value$300,000
Basis720 sqft / 1953
Nearby Houses
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210 S Front St
sold · 0.05 mi
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304 N Front
sold · 0.06 mi
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3 bd / 1 ba · 924 sqft
Latest sale: $39,000 on May 25, 2017
Latest rent: —
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Address unavailable
sold · 0.06 mi
Price: $92,000
3 bd / 2 ba · 952 sqft
Latest sale: $92,000 on Aug 14, 2020
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8083 County Road 35
sold · 0.12 mi
Price: $110,000
3 bd / 2 ba · 1,755 sqft
Latest sale: $110,000 on Nov 21, 2025
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Photo unavailable
101 Front St
sold · 0.16 mi
Price: $12,000
3 bd / 2 ba · 1,904 sqft
Latest sale: $12,000 on Nov 01, 2019
Latest rent: —
Photo unavailable
109 Belmont St
sold · 0.16 mi
Price: $92,000
3 bd / 2 ba · 1,416 sqft
Latest sale: $92,000 on Aug 14, 2020
Latest rent: —
Photo unavailable
111 Belmont St
sold · 0.17 mi
Price: $12,500
2 bd / 1 ba · 912 sqft
Latest sale: $12,500 on Jun 13, 2025
Latest rent: —
Photo unavailable
104 S Main St
off_market · 0.18 mi
Price: $119,900
4 bd / 1 ba · 1,702 sqft
Latest sale: $28,000 on Jul 06, 2021
Latest rent: —
Photo unavailable
115 W Lee St
sold · 0.22 mi
Price: $115,000
3 bd / 2 ba · 1,904 sqft
Latest sale: $115,000 on Jun 30, 2025
Latest rent: —
Photo unavailable
208 N McConnell St
sold · 0.29 mi
Price: $68,000
3 bd / 1 ba · 1,736 sqft
Latest sale: $68,000
Latest rent: —
Photo unavailable
7747 Smith St
sold · 0.30 mi
Price: $135,000
5 bd / 1 ba · 1,300 sqft
Latest sale: $135,000 on Jul 06, 2021
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 or carbon monoxide alarms in provided interior photos (inspection-fail until installed/verified).
- Bedroom windows appear small and may not meet egress size requirements (potential inspection-fail if noncompliant).
- No visible heating equipment or water heater in photos to confirm operational status (must verify functioning heat/hot water).
- Porch/pergola shows wood deterioration and peeling paint at posts/rail—repair or replacement likely required to meet guardrail/handrail safety.
- Lower skirting/crawlspace exposure visible; missing skirting or insufficient enclosure may allow pest entry and could require repair.
Assumptions
- Heating system/furnace and water heater are present and functional (thermostat and gas meter visible) but not photographed.
- Refrigerator is not shown and may not be provided — missing appliances will be supplied prior to lease if required.
- Smoke detectors and carbon monoxide alarms are not visible in photos and should be assumed missing or unverified.
- Bedroom egress window sizes cannot be measured from photos; assumed potentially marginal given window proportions.
- No active roof leaks or interior water stains exist beyond what is visible in photos; steel roof reported by listing and appears intact.
- Electrical service is intact and functional; panel cover pictured is assumed to be the main or a subpanel and accessible.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $707 | $47,690 | $16,690 |
| 2024 | $719 | $47,690 | $16,690 |
| 2023 | $730 | $47,690 | $16,690 |
| 2022 | $576 | $34,120 | $11,940 |
| 2021 | $604 | $34,120 | $11,940 |
| 2020 | $614 | $34,120 | $11,940 |
| 2019 | $471 | $27,620 | $9,670 |
| 2018 | $474 | $27,620 | $9,670 |
| 2017 | $466 | $27,620 | $9,670 |
| 2016 | $323 | $19,680 | $6,890 |
| 2015 | $251 | $19,680 | $6,890 |
| 2014 | $251 | $19,680 | $6,890 |
| 2011 | — | $22,280 | $7,800 |
| 2009 | $80 | $21,110 | $7,390 |
| 2008 | $81 | $21,110 | $7,390 |
| 2006 | $292 | $20,140 | $7,050 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-11 | Price Changed | $75,000 |
| 2025-11-22 | Price Changed | $80,000 |
| 2025-11-19 | Listed | $70,000 |
| 2022-07-29 | Listing removed | $56,000 |
| 2022-06-16 | Listed | $56,000 |
Photo Gallery
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"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 60.0,
"rationale": "Steel roof reported and appears in good condition from exterior photos. Gas meter and supply visible at side of house and a wall thermostat is present (suggests central heating), but no furnace/air handler, water heater, or HVAC equipment are shown to verify operation. Plumbing fixtures (kitchen sink, bathroom sink/toilet) appear installed and in decent condition. Electrical meter and panel are present but internal system condition unknown. Because critical systems are not documented/visible, a conservative score is used."
},
{
"key": "exterior_site",
"label": "Exterior & Site Conditions",
"score": 70.0,
"rationale": "Property sits on a double lot with a usable yard, shed, attached 1-car garage and concrete walkway/drive. Yard appears level and free of standing water. Siding shows dirt/mildew and lower skirting/crawlspace exposure is visible in photos (some skirting missing or low). Porch pergola and some railings show weathering. Driveway and walk appear serviceable with no major trip hazards shown."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in provided interior photos (inspection-fail until installed/verified).",
"Bedroom windows appear small and may not meet egress size requirements (potential inspection-fail if noncompliant).",
"No visible heating equipment or water heater in photos to confirm operational status (must verify functioning heat/hot water).",
"Porch/pergola shows wood deterioration and peeling paint at posts/rail—repair or replacement likely required to meet guardrail/handrail safety.",
"Lower skirting/crawlspace exposure visible; missing skirting or insufficient enclosure may allow pest entry and could require repair."
],
"confidence": 0.6,
"assumptions": [
"Heating system/furnace and water heater are present and functional (thermostat and gas meter visible) but not photographed.",
"Refrigerator is not shown and may not be provided — missing appliances will be supplied prior to lease if required.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and should be assumed missing or unverified.",
"Bedroom egress window sizes cannot be measured from photos; assumed potentially marginal given window proportions.",
"No active roof leaks or interior water stains exist beyond what is visible in photos; steel roof reported by listing and appears intact.",
"Electrical service is intact and functional; panel cover pictured is assumed to be the main or a subpanel and accessible."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate readiness for a Housing Choice Voucher initial inspection. The home is structurally intact with a durable steel roof and mostly serviceable interior finishes; key items are cosmetic repairs, porch/gazebo wood repairs, skirt/underbody closure, and verification/installation of required life-safety devices and mechanical systems. The most likely inspection failures are missing smoke and CO detectors and lack of documented working heating/water-heating systems. With targeted fixes (installing detectors, confirming/repairing heating and water heater, skirting closure, minor exterior and porch repairs, and providing or confirming refrigerator) the unit should be able to pass within approximately 30-60 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Property is generally intact with recent-looking flooring and refreshed countertops as advertised. Interior shows cosmetic wear (paneling, scuffed walls, mixed finishes) and older trim; carpet and vinyl appear serviceable. Exterior paint/trim peeling on porch/gazebo and some weathering to the backyard shed and picket fencing. Appliances: gas range/stove visible; no refrigerator shown in photos (reduces score moderately). No large areas of collapsed finishes or missing flooring visible. Overall mostly cosmetic and minor repair items that are straightforward and capital-only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the interior photos (required and would likely fail inspection if missing). Bedrooms appear to have windows but egress sizes cannot be confirmed from photos. Entry has a secure-looking door with a deadbolt visible in listing photo; porch handrail present. No obvious active roof leaks, collapsed ceilings, or significant mold staining in photos. Exposed under-skirt/underfloor area visible in exterior images which can allow pest entry and may lead to inspector comments. Bathroom shows a GFCI-style outlet in photo near sink; electrical panel cover is present on living room wall. The missing documented smoke/CO alarms and exposed skirting raise moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC, plumbing, electrical, roof",
"score": 50.0,
"rationale": "Roof is steel and appears in good visible condition in multiple exterior photos (positive). Plumbing fixtures (kitchen sink, bathroom sink and toilet) appear present and operable with updated vanity and vinyl flooring in bath. No central HVAC equipment or furnace is visible in photos (no obvious wall/ceiling registers or central unit); electric/gas sources are present (gas meter and gas range). Water heater location and operational status not shown. Electrical panel is present and appears to have a cover but age and condition are unknown. Because heating and water-heater visibility/operation cannot be confirmed, and mechanicals are not documented in photos, assign moderate risk until systems verified."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and yard condition",
"score": 65.0,
"rationale": "Home sits on a double lot with a large yard, paved driveway, and a storage shed. Siding looks weathered but intact; some algae/soiling visible on lower siding. Skirting under the building is missing/insufficient in areas and exposes the undercarriage which could allow pest entry and water issues. Porch and attached rear pergola/gazebo show peeling paint and some wood deterioration on posts/railings that should be repaired. Yard is level with no visible standing water; a backyard fire pit exists and should be addressed for tenant safety. Overall exterior is serviceable but needs targeted maintenance."
}
],
"red_flags": [
"No visible smoke detectors (inspection fail until installed/verified).",
"No visible carbon monoxide detector (if required by local code).",
"No clearly visible heating system or water heater in photos — must be verified working before inspection.",
"Exposed/insufficient skirting under the unit (underbody exposure) that can allow pests and moisture entry.",
"Porch/gazebo wood deterioration and peeling paint on guardrails (repair to meet safety/guardrail standards)."
],
"confidence": 0.6,
"assumptions": [
"Listing statement that roof is steel is accurate and visible roof condition is representative of entire roof.",
"Photographs show the full range of major interior rooms (living room, kitchen, two bedrooms, one bathroom) but do not show furnace, water heater, or a refrigerator.",
"No smoke detectors or carbon monoxide alarms are installed (none visible in provided interior photos).",
"Heating system presence and operation are not shown; assume a heating source exists but needs verification (could be electric wall heaters or a furnace not visible in photos).",
"Electrical panel is present and covered as shown; no visible exposed live wiring in interior photos, but full electrical condition is unknown.",
"Foundation appears to be a raised/skirted mobile/manufactured-type installation with some skirting missing; assume piers are present and structure is level (no signs of sagging visible)."
],
"overall_score": 60.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "This is a small, mostly serviceable 2-bed/1-bath home with a durable metal roof and intact exterior envelope. Cosmetic updates are evident inside and the property is likely rentable after a short punch-list. However, the listing/photos do not show required life-safety devices (smoke and CO detectors) and do not document a heating source or water heater — these are the two primary risks for an initial HCV/NSPIRE inspection. Expect to reach rent-ready status within 1–4 weeks if heating and hot water are confirmed operational and smoke/CO detectors plus any missing GFCI protection and minor porch/railing repairs are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows recent cosmetic updates (vinyl plank flooring in kitchen/bath, refreshed countertops noted in listing). Carpets and wall paneling are generally intact. Minor cosmetic defects visible: peeling/dirty exterior paint, worn porch posts/railings, small wall cracks and seam lines on interior ceilings, and some algae/dirt on siding. Kitchen has a range/stove present; no refrigerator shown (may not be included). Overall defects are cosmetic or minor repairs rather than major structural issues."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risks",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in photos — these are required and would be an immediate NSPIRE fail if absent. Bathroom and kitchen fixtures are present; electrical outlets and a covered electrical panel are visible, but GFCI protection in kitchen is not clearly shown. Porch railings exist but show paint/rot at posts (repair likely required). Bedroom egress windows cannot be confirmed from photos. No exposed wiring or active leaks visible. Because of missing/uncertain life-safety devices and unverified egress, there is a moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 50.0,
"rationale": "Steel roof appears in good visual condition (metal panels look intact). Plumbing fixtures (toilet, sink, kitchen sink) are present and appear functional but operational status not verified. No visible forced-air furnace, boiler, water heater, or central HVAC in photos — heating source is not shown; absence of a visible/guaranteed heating system is a high inspection risk for habitable requirements. Electrical meter and panel are present; condition appears serviceable but not fully documented. Because heating and hot-water sources are not evidenced, systems score is moderate-to-high risk until verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Property sits on a double lot with ample yard and a shed; sidewalks and driveway exist. Yard is maintained; no standing water observed. Siding and skirting show grime and some missing/loose lower skirt pieces; shed and pergola/porch show weathering and peeling paint. Walkway to front is intact. No visible large foundation cracks or sagging; house is on piers/skirt typical of older single-wide or modular homes. Overall exterior is functional with moderate cosmetic maintenance required."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos (required life-safety devices).",
"No visible central heating system or water heater shown — lack of a verifiable heating source is a major inspection risk."
],
"confidence": 0.65,
"assumptions": [
"Heating and water-heating systems exist but were not shown in photos; their operation is unverified. If no permanent heating source exists, inspection will fail.",
"Kitchen range/stove is present (photo shows a gas range). Refrigerator is not shown and may not be provided — missing refrigerator reduces readiness but is not an immediate safety fail.",
"Electrical panel shown in living room photo is intact and has a cover; circuit capacity and labeling not verified.",
"Bedrooms have windows that likely meet egress dimensions for the building type; egress was not measurable from provided photos.",
"No visible active roof leaks or significant foundation movement were observed; hidden issues could exist below the skirting or in the crawlspace.",
"Porch railings are structurally intact but show surface rot/paint failure and will need repair/paint to meet local habitability expectations."
],
"overall_score": 61.0,
"rubric_version": "ns-preset-2025-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "203 Belmont St, Alger, OH, 45812",
"aggregate": {
"summary": "This 2BR/1BA single-family home appears largely serviceable and would likely pass an initial HCV/NSPIRE inspection after a short pre-inspection checklist and minor repairs (install/verify smoke & CO alarms, confirm heating and hot water operation, repair/secure porch railings/rotten wood, confirm bedroom egress). Main systems (roof, siding, utilities) show no visible catastrophic failures; however, critical verifier items (smoke/CO detectors, furnace/water heater visibility, egress dimensions) were not documented in photos and reduce readiness confidence. Estimated time-to-pass: ~2–4 weeks if systems are operable and detectors are installed; longer if HVAC or egress upgrades are required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior appears cosmetically updated (newer vinyl plank flooring in kitchen/bath, refreshed countertops). Walls and ceilings show minor cracking and paneling; carpet looks serviceable. Exterior siding is dirty with localized wear; porch structure and pergola show peeling paint and some wood deterioration. Kitchen stove is present; refrigerator not shown (assumed not included). Overall visible issues are mostly cosmetic and small repairs rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site Conditions",
"score": 68.3,
"rationale": "Property sits on a double lot with a usable yard, shed, attached 1-car garage and concrete walkway/drive. Yard appears level and free of standing water. Siding shows dirt/mildew and lower skirting/crawlspace exposure is visible in photos (some skirting missing or low). Porch pergola and some railings show weathering. Driveway and walk appear serviceable with no major trip hazards shown."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 58.3,
"rationale": "No visible smoke detectors or CO alarms in photos (required). Bathroom shows a GFCI (positive). Interior electrical panel cover is present on living room wall. Porch has guardrails in place but some wood rot is visible on lower posts/rail sections. Bedroom windows are small in photos and could pose egress risk — size not verifiable from images. No exposed live wiring or active water intrusion observed. Because smoke/CO and egress cannot be confirmed from photos, score reduced to reflect those inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 53.3,
"rationale": "Steel roof reported and appears in good condition from exterior photos. Gas meter and supply visible at side of house and a wall thermostat is present (suggests central heating), but no furnace/air handler, water heater, or HVAC equipment are shown to verify operation. Plumbing fixtures (kitchen sink, bathroom sink/toilet) appear installed and in decent condition. Electrical meter and panel are present but internal system condition unknown. Because critical systems are not documented/visible, a conservative score is used."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in provided interior photos (inspection-fail until installed/verified).",
"Bedroom windows appear small and may not meet egress size requirements (potential inspection-fail if noncompliant).",
"No visible heating equipment or water heater in photos to confirm operational status (must verify functioning heat/hot water).",
"Porch/pergola shows wood deterioration and peeling paint at posts/rail—repair or replacement likely required to meet guardrail/handrail safety.",
"Lower skirting/crawlspace exposure visible; missing skirting or insufficient enclosure may allow pest entry and could require repair."
],
"confidence": 0.82,
"assumptions": [
"Heating system/furnace and water heater are present and functional (thermostat and gas meter visible) but not photographed.",
"Refrigerator is not shown and may not be provided — missing appliances will be supplied prior to lease if required.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and should be assumed missing or unverified.",
"Bedroom egress window sizes cannot be measured from photos; assumed potentially marginal given window proportions.",
"No active roof leaks or interior water stains exist beyond what is visible in photos; steel roof reported by listing and appears intact.",
"Electrical service is intact and functional; panel cover pictured is assumed to be the main or a subpanel and accessible."
],
"score_method": "mean_of_criteria",
"overall_score": 63.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4864518559"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.