Property ID: 4868133355
803 Front St, Alger, OH, 45812
Alger, OH
Money Down: $39,600
CoC Return: -4.35%
Monthly Cash Flow: $-144
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,000
Closing Costs
$6,600
Total Down
$39,600
Investment Snapshot
Purchase Price
$165,000
Money Down
$39,600
Cash-on-Cash Return
-4.35%
Rent
$953
Monthly Cash Flow
$-144
Annual Cash Flow
$-1,724
Debt Service / Mo
$878
Property Tax / Mo
$81
Insurance / Mo
$42
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$953
Payment Standard
$1,230
Rent
$953
Insurance
$42
Property Tax
$81
Management
$95
Utilities Allowance
$277
NOI (Monthly)
$735
Debt Service
$878
Cash Flow After Debt
$-144
Quality Score: 78.80%
Confidence: 95.00%
Overall the property appears to be largely turnkey for Section 8 tenancy. Interior renovations (new flooring, updated kitchen and baths, modern appliances, washer/dryer, and a reported new furnace) make the unit likely to pass many NSPIRE checkpoints after minor verification. Primary inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection at wet locations, and confirmation of deck/step handrails and mechanicals (water heater, electrical panel). With quick verification and installation of any missing detectors/GFCIs and a check of exterior railings, the property should be rent‑ready within 1–4 weeks.
Section 8 Payment Standard
$1,230
Utility Allowance Total
$277
Guaranteed Section 8 Rent (PS - Utilities)
$953
Property Management
$95
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$165,000
Beds
3
Baths
2
Living Area
—
Lot Size
10,019 sqft
Year Built
1992
Days on Market
75
Capital Outlay
$39,600
Debt Service
$878
Property Tax / Mo
$81
Insurance / Mo
$42
Property Description
Welcome to 803 N Front Street! This newly renovated 3-bedroom, 2-bathroom home offers 1, 500 sq ft +/- of living space and a fenced in yard to accommodate all your needs! The property boasts new flooring, updated bathrooms, kitchen, furnace, and fresh paint throughout. Perfect location for anyone wanting to be in a quaint town! This property is just waiting for a new owner, it could be you!
Utility Allowances
Heating
$75
Selected 'Natural Gas' as the property description mentions a new furnace, and a nearby property lists natural gas utilities, suggesting it's common for the area. The allowance is for a 3-bedroom unit.
Cooking
$13
Selected 'Electric' fuel type. Although not explicitly stated for the primary property, a nearly identical nearby property lists an 'Electric Range'. This is the most expensive option between gas and electric, following the tie-breaker rule. The allowance is for a 3-bedroom unit.
Water Heating
$41
Selected 'Electric' fuel type, as a nearly identical nearby property lists an 'Electric Water Heater'. The allowance is for a 3-bedroom unit.
Water
$32
A nearby property listing for this address specifies the water source is 'Public'. The allowance is a fixed rate for a 3-bedroom unit.
Sewer
$36
A nearby property listing for this address specifies 'Public Sewer'. The allowance is a fixed rate for a 3-bedroom unit.
Trash Collection
$25
Trash collection is a standard utility for a single-family home and is included. The allowance is a fixed rate for a 3-bedroom unit.
Other Electric
$39
This covers general electric usage for lights and standard outlets and is applicable to all residential properties. The allowance is for a 3-bedroom unit.
Refrigerator
$8
The property description does not explicitly state a refrigerator is provided. Per the rules, this is treated as a tenant-owned appliance, and the corresponding allowance is included.
Range/Microwave
$8
The 'Range' is a tenant-supplied appliance allowance. The property description does not explicitly state a range or microwave is provided, so it is treated as tenant-owned per the rules.
Air Conditioning
$0
While a nearby property listing mentions central air, the utility allowance schedule for this housing authority provides no allowance ($0 or null) for air conditioning for this property type.
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$492
DP3 Annual Estimate$523
DP1 Monthly Equivalent$41
DP3 Monthly Equivalent$44
Replacement Value$64,860
Basis1,539 sqft / 1992
Nearby Houses
Photo unavailable
803 N Front St
for_sale
Price: $165,000
3 bd / 2 ba · 1,539 sqft
Latest sale: $80,000 on Dec 01, 2023
Latest rent: —
Photo unavailable
900 N Front St
sold · 0.06 mi
Price: $204,000
3 bd / 1 ba · 1,612 sqft
Latest sale: $204,000 on Jan 09, 2026
Latest rent: —
Photo unavailable
105 Carl St
sold · 0.08 mi
Price: $150,900
3 bd / 2 ba · 1,104 sqft
Latest sale: $150,900
Latest rent: —
Photo unavailable
904 N Front St
sold · 0.09 mi
Price: $70,000
2 bd / 1 ba · 1,116 sqft
Latest sale: $70,000 on Mar 10, 2025
Latest rent: —
Photo unavailable
2079 County Road 90
sold · 0.10 mi
Price: $225,000
3 bd / 3 ba · 1,804 sqft
Latest sale: $225,000 on Nov 03, 2025
Latest rent: —
Photo unavailable
911 N Main St
sold · 0.13 mi
Price: $82,000
3 bd / 1 ba · 1,104 sqft
Latest sale: $82,000
Latest rent: —
Photo unavailable
505 Front St N
sold · 0.14 mi
Price: $115,000
4 bd / 2 ba · 1,759 sqft
Latest sale: $115,000 on Aug 25, 2022
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Furnace is new and operational as stated in the listing; heating system is present and serviceable.
- Water heater and electrical panel exist and are functional though not shown in photos.
- Smoke detectors and carbon monoxide detectors may be present but were not visible in photos; their presence is not confirmed.
- GFCI protection at kitchen and bathroom receptacles is not visible in photos and should be verified or installed if absent.
- Bedrooms have code‑compliant egress windows based on visible window size, but exact measurements are not confirmed.
- No significant hidden structural or roof failures are present given visible exterior condition and recent renovation — this is a professional best‑judgment inference from photos and listing statements.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2021 | $942 | $56,400 | $19,740 |
| 2020 | $953 | $56,400 | $19,740 |
| 2019 | $951 | $60,660 | $21,230 |
| 2018 | $932 | $60,660 | $21,230 |
| 2017 | $919 | $60,660 | $21,230 |
| 2016 | $1,114 | $80,430 | $28,150 |
| 2015 | $1,000 | $80,430 | $28,150 |
| 2014 | $999 | $80,430 | $28,150 |
| 2013 | $1,228 | $92,170 | $32,260 |
| 2012 | $1,223 | $92,170 | $32,260 |
| 2011 | $1,234 | $92,170 | $32,260 |
| 2009 | $1,193 | $85,520 | $29,930 |
| 2008 | $1,171 | $85,520 | $29,930 |
| 2006 | $1,152 | $81,600 | $28,560 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-12-01 | Sold | $80,000 |
| 2018-07-25 | Sold | $27,000 |
Photo Gallery
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},
{
"tax": 1171,
"year": 2008,
"market": {
"land": 5690,
"total": 85520,
"building": 79830
},
"assessment": {
"land": 1990,
"total": 29930,
"building": 27940
}
},
{
"tax": 1152,
"year": 2006,
"market": {
"land": 5400,
"total": 81600,
"building": 76200
},
"assessment": {
"land": 1890,
"total": 28560,
"building": 26670
}
}
],
"property_history": [
{
"date": "2026-02-01",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2026-01-23T19:53:25Z",
"list_price": 165000,
"listing_id": "2990605918",
"last_update_date": "2026-01-23T19:49:04Z",
"last_status_change_date": "2026-02-01T10:20:35Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Mansfield",
"price_change": 0,
"days_after_listed": "9 days",
"source_listing_id": "9070336",
"price_change_percentage": null
},
{
"date": "2026-01-23",
"price": 165000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-23T19:57:38Z",
"list_price": 165000,
"listing_id": "2990606054",
"last_update_date": "2026-02-02T13:14:14Z",
"last_status_change_date": "2026-01-23T19:57:38Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "KnoxCounty",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "20260042",
"price_change_percentage": null
},
{
"date": "2026-01-23",
"price": 165000,
"listing": {
"status": "off_market",
"list_date": "2026-01-23T19:53:25Z",
"list_price": 165000,
"listing_id": "2990605918",
"last_update_date": "2026-01-23T19:49:04Z",
"last_status_change_date": "2026-02-01T10:20:35Z"
},
"event_name": "Listed",
"price_sqft": 107.21247563352827,
"source_name": "Mansfield",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "9070336",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "4868133355",
"generated_at": "2026-02-24T23:02:52.116574Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 78.8
},
"utility_allowance": {
"zip_code": "45812",
"home_photo": "https://ap.rdcpix.com/959022112826eaaf58f3d09f36d12688l-m1651240469s-w1280.jpg",
"rent_price": 953.0,
"loan_amount": 132000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/803-Front-St_Alger_OH_45812_M48681-33355",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 165000.0,
"loan_term_years": 30,
"annual_cash_flow": 8814.64,
"mortgage_monthly": 878.2,
"payment_standard": 1230.0,
"total_amount_out": 33000.0,
"additional_photos": [
"https://ap.rdcpix.com/959022112826eaaf58f3d09f36d12688l-m399502788s-w1280.jpg",
"https://ap.rdcpix.com/959022112826eaaf58f3d09f36d12688l-m1932833263s-w1280.jpg",
"https://ap.rdcpix.com/959022112826eaaf58f3d09f36d12688l-m903713840s-w1280.jpg",
"https://ap.rdcpix.com/959022112826eaaf58f3d09f36d12688l-m3279995463s-w1280.jpg",
"https://ap.rdcpix.com/959022112826eaaf58f3d09f36d12688l-m1365486781s-w1280.jpg",
"https://ap.rdcpix.com/959022112826eaaf58f3d09f36d12688l-m369221674s-w1280.jpg",
"https://ap.rdcpix.com/959022112826eaaf58f3d09f36d12688l-m925547104s-w1280.jpg",
"https://ap.rdcpix.com/959022112826eaaf58f3d09f36d12688l-m2031022933s-w1280.jpg",
"https://ap.rdcpix.com/959022112826eaaf58f3d09f36d12688l-m2976455367s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 42.29,
"monthly_cash_flow": 734.55,
"property_tax_rate": 0.011200000000000002,
"_utility_allowance": {
"sources": [
"https://hancockmetro.com/wp-content/uploads/2025/04/2025-Utility-Allowance-Schedules-effective-8-1-2025.pdf"
],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "Selected 'Natural Gas' as the property description mentions a new furnace, and a nearby property lists natural gas utilities, suggesting it's common for the area. The allowance is for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 75
},
{
"note": "Selected 'Electric' fuel type. Although not explicitly stated for the primary property, a nearly identical nearby property lists an 'Electric Range'. This is the most expensive option between gas and electric, following the tie-breaker rule. The allowance is for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Selected 'Electric' fuel type, as a nearly identical nearby property lists an 'Electric Water Heater'. The allowance is for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 41
},
{
"note": "A nearby property listing for this address specifies the water source is 'Public'. The allowance is a fixed rate for a 3-bedroom unit.",
"utility": "Water",
"allowance": 32
},
{
"note": "A nearby property listing for this address specifies 'Public Sewer'. The allowance is a fixed rate for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "Trash collection is a standard utility for a single-family home and is included. The allowance is a fixed rate for a 3-bedroom unit.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "This covers general electric usage for lights and standard outlets and is applicable to all residential properties. The allowance is for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "The property description does not explicitly state a refrigerator is provided. Per the rules, this is treated as a tenant-owned appliance, and the corresponding allowance is included.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The 'Range' is a tenant-supplied appliance allowance. The property description does not explicitly state a range or microwave is provided, so it is treated as tenant-owned per the rules.",
"utility": "Range/Microwave",
"allowance": 8
},
{
"note": "While a nearby property listing mentions central air, the utility allowance schedule for this housing authority provides no allowance ($0 or null) for air conditioning for this property type.",
"utility": "Air Conditioning",
"allowance": 0
}
],
"cash_on_cash_return": 0.27,
"down_payment_amount": 33000.0,
"property_tax_annual": 970.26,
"property_tax_monthly": 80.86,
"property_tax_increase": 0.03,
"utility_allowance_total": 277.0,
"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": 2021,
"annual_cash_flow_after_debt": -1723.75,
"property_management_monthly": 95.3,
"monthly_cash_flow_after_debt": -143.65,
"cash_on_cash_return_after_debt": -0.05
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be largely turnkey for Section 8 tenancy. Interior renovations (new flooring, updated kitchen and baths, modern appliances, washer/dryer, and a reported new furnace) make the unit likely to pass many NSPIRE checkpoints after minor verification. Primary inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection at wet locations, and confirmation of deck/step handrails and mechanicals (water heater, electrical panel). With quick verification and installation of any missing detectors/GFCIs and a check of exterior railings, the property should be rent‑ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Listing and photos show a recently renovated interior: new flooring, fresh paint, updated kitchen and bathrooms, intact cabinetry and countertops, functioning appliances (refrigerator, gas range, washer/dryer visible). Cosmetic condition appears good with no visible drywall damage, major stains, or collapsed surfaces. Minor exterior items (deck/steps) may need small repairs or verification but nothing indicating major deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 75.0,
"rationale": "No visible life‑threatening hazards in photos: no exposed wiring, no collapsed ceilings, no visible active leaks or major foundation movement. Bedrooms show adequate windows for egress and entry/exit doors appear secure. However, smoke and CO detectors are not visible in photos (required by NSPIRE), GFCI protection at kitchen sink is not verifiable from images, and an exterior deck railing/handrail condition is unclear. These unknowns reduce the safety score despite generally clean, updated condition."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 80.0,
"rationale": "Listing states a new furnace; photos show a modern kitchen, functioning gas range and washer/dryer, and updated bathrooms which suggest plumbing is serviceable. Roof appears intact in exterior photo (snow-covered) and siding/gutters present. Electrical panel, water heater, and operational verification of HVAC/hot water are not visible; presumed functional given recent renovation but not confirmed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior siding, foundation, and chain-link fenced yard appear intact and maintained. Yard is fenced and entry gate present. Driveway/sidewalk conditions are not fully visible (photo taken in snow). Small rear deck and steps require verification for railings and secure attachment. No visible standing water, major grading issues, or infestation evidence in provided photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Furnace is new and operational as stated in the listing; heating system is present and serviceable.",
"Water heater and electrical panel exist and are functional though not shown in photos.",
"Smoke detectors and carbon monoxide detectors may be present but were not visible in photos; their presence is not confirmed.",
"GFCI protection at kitchen and bathroom receptacles is not visible in photos and should be verified or installed if absent.",
"Bedrooms have code‑compliant egress windows based on visible window size, but exact measurements are not confirmed.",
"No significant hidden structural or roof failures are present given visible exterior condition and recent renovation — this is a professional best‑judgment inference from photos and listing statements."
],
"overall_score": 80.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "This property appears largely turnkey for Section 8 tenancy after a visual review of photos and listing. Interior renovations are recent and cosmetic condition is very good; appliances and laundry are present. Major visible safety hazards are not present. Remaining inspection risks are largely verification items: presence/function of smoke and CO alarms, GFCI protection near wet areas, confirmation of a working water heater/hot water, electrical panel condition, and a handrail on the exterior steps if required. With these likely minor fixes or verifications, the house should be able to pass an initial HCV/NSPIRE inspection within a short timeframe (likely within 1–4 weeks depending on documentation and any small repairs).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show recent renovations: new-looking flooring, fresh paint, updated kitchen cabinetry and countertops, modern fixtures, and updated bathrooms per listing and images. Appliances (refrigerator, gas range/stove, washer and dryer) are visible and appear in-place. No visible water stains, peeling paint, or damaged drywall. Exterior siding and chain-link fence appear intact. Missing items that typically require only minor work (e.g., small trim touch-ups, any outlet/switch cover replacements, minor deck/step finishing) are possible but not apparent. Overall condition is cosmetically sound and requires only minor fixes to be move-in ready."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 75.0,
"rationale": "No obvious life-threatening hazards seen: no collapsed ceilings, obvious exposed wiring, standing water, or major structural deformation. A smoke alarm-like device is visible in the living room ceiling area, which suggests smoke detection exists at least in common spaces. Photo evidence of carbon monoxide (CO) alarms, GFCI outlets in the kitchen/bath, electrical panel, and deadbolt on the entry door is not provided. A gas meter is visible on the exterior indicating gas service (gas stove likely) — CO alarms will be required if not already installed. The backyard egress appears acceptable (bedroom shows a sliding door), and the fenced yard and gates function. Small exterior deck/stairs are visible; a handrail is not clearly visible in photos and should be confirmed. Given the visible condition, likely passes with 1–3 small code corrections (add/confirm CO alarms, verify GFCI, confirm/replace smoke detectors in bedrooms, add/confirm deadbolt, install/repair handrail if needed)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states a new furnace; interior photos show no visible heating equipment but the claim increases confidence in heat system condition. Gas meter present supports functioning gas service and gas range. Washer/dryer present. Water heater, HVAC cooling (AC), main electrical panel, and visible plumbing penetrations are not shown in photos. Roof condition is obscured by snow but siding, gutters, and foundation appear intact with no visible sagging or active leaks. Because major system components (water heater, electrical panel, A/C) are unshown, there is moderate uncertainty; however the listing claim of recent renovations and the absence of visible deterioration support a reasonably healthy systems assessment. Recommend verification of water heater age/operation, electrical panel condition, and functioning hot water during inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior photos show an intact vinyl siding envelope, concrete block foundation, and a complete chain-link fenced yard with gates. The yard is level, free of debris, and appears well-maintained (snow-covered images show no standing water). A small deck is present giving yard access; rail/step safety is unclear from photos and should be checked. No visible foundation cracks, roof sagging, or signs of infestation. Overall the exterior and site appear serviceable with only minor potential fixes (confirm deck handrail, verify gutter downspout drainage direction)."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that furnace is new is accurate and the heating system is operational.",
"Kitchen stove is gas (gas meter visible) and properly connected; no visible gas venting issues in photos.",
"Smoke alarm visible in living room exists and functions; presence/function of additional smoke alarms in bedrooms and CO alarms is unknown and must be confirmed.",
"Water heater, main electrical panel, and central AC (if required by local code) are present and operational though not shown in photos.",
"Deck/stairs may require a handrail; photos are inconclusive so assume a verification/repair could be needed.",
"No evidence of active roof leaks or major foundation movement is visible; snow obscures some roof details.",
"Electrical safety items (GFCI in kitchen/bath, secured outlets, no exposed wiring) were not explicitly shown — assessment assumes no obvious exposed wiring but requires verification."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be in good renovated condition and is likely to pass an initial HCV/NSPIRE inspection with minor, quick fixes. Primary inspection risks are non-visible items that must be verified: presence/operation of smoke and CO detectors, GFCI protection at wet locations, an operable water heater, proper electrical panel condition/labels, and a secure deadbolt on the exterior entry. If those items are confirmed/functioning the house should be rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & deferred maintenance",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic renovation: new-looking laminate flooring, painted cabinets, updated bathrooms, intact drywall and trim, and functional fixtures. Appliances (fridge, gas range, washer/dryer) are present in photos. No visible peeling paint, damaged flooring, or collapsed surfaces. Any remaining items appear minor (touch-up painting, minor trim gaps)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 72.0,
"rationale": "No obvious life-threatening hazards visible (no exposed wiring, sagging ceilings, standing water, or visible severe mold). Bedrooms show egress (windows/sliding door). Exterior entry has a locking knob; deadbolt not clearly visible in photos. Smoke and carbon-monoxide detectors are not visible in photos (CO should be present since a gas meter/range is visible). GFCI protection at kitchen sink not clearly shown. Minor likely fixes (install/verify smoke & CO detectors, confirm GFCI outlets and deadbolt) expected before/at inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC, electrical, plumbing, roof, water heater",
"score": 75.0,
"rationale": "Listing states a new furnace; interior photos show functioning appliances and no signs of active leaks. Exterior roof is snow-covered but shows no visible sag or active failure. Electrical panel and water heater are not shown so condition is assumed serviceable. Plumbing fixtures and laundry hookups appear present and intact. Recommendation: verify furnace installation, water heater condition/age, electrical panel labeling, and test hot water and HVAC operation prior to move-in."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site safety",
"score": 80.0,
"rationale": "Exterior photos show intact siding and block foundation without visible major cracks, a fenced yard, and a small deck with railing. Chain-link fence is serviceable. No visible significant drainage issues, standing water, or pest infestation. Snow cover limits full review of grading; visible elements are tidy and maintained. Minor exterior maintenance (paint touch-up on door/deck, confirm skirting condition) likely."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement that furnace is new is correct and the heating system is operational and properly vented.",
"A water heater is present and functional though it is not shown in photos.",
"Electrical panel exists and is intact but was not photographed; no visible exposed wiring was observed inside.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and must be installed/verified (CO required if fuel-burning appliances present; a gas meter and gas range are visible).",
"GFCI protection at kitchen and laundry wet areas is not clearly visible and should be verified/installed if absent.",
"Exterior deck railing and steps are assumed to be installed and stable though exact guardrail height/compliance is unverified from photos.",
"No significant hidden water intrusion, mold, or foundation movement beyond what is visible in the images; photos show no staining or sagging that would indicate active leaks.",
"Property is a manufactured/single-wide style on block foundation (visual), which can pass NSPIRE if systems and life-safety items are verified."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "803 Front St, Alger, OH, 45812",
"aggregate": {
"summary": "Overall the property appears to be largely turnkey for Section 8 tenancy. Interior renovations (new flooring, updated kitchen and baths, modern appliances, washer/dryer, and a reported new furnace) make the unit likely to pass many NSPIRE checkpoints after minor verification. Primary inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection at wet locations, and confirmation of deck/step handrails and mechanicals (water heater, electrical panel). With quick verification and installation of any missing detectors/GFCIs and a check of exterior railings, the property should be rent‑ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Listing and photos show a recently renovated interior: new flooring, fresh paint, updated kitchen and bathrooms, intact cabinetry and countertops, functioning appliances (refrigerator, gas range, washer/dryer visible). Cosmetic condition appears good with no visible drywall damage, major stains, or collapsed surfaces. Minor exterior items (deck/steps) may need small repairs or verification but nothing indicating major deferred maintenance."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 79.3,
"rationale": "Exterior siding, foundation, and chain-link fenced yard appear intact and maintained. Yard is fenced and entry gate present. Driveway/sidewalk conditions are not fully visible (photo taken in snow). Small rear deck and steps require verification for railings and secure attachment. No visible standing water, major grading issues, or infestation evidence in provided photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 74.0,
"rationale": "No visible life‑threatening hazards in photos: no exposed wiring, no collapsed ceilings, no visible active leaks or major foundation movement. Bedrooms show adequate windows for egress and entry/exit doors appear secure. However, smoke and CO detectors are not visible in photos (required by NSPIRE), GFCI protection at kitchen sink is not verifiable from images, and an exterior deck railing/handrail condition is unclear. These unknowns reduce the safety score despite generally clean, updated condition."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states a new furnace; photos show a modern kitchen, functioning gas range and washer/dryer, and updated bathrooms which suggest plumbing is serviceable. Roof appears intact in exterior photo (snow-covered) and siding/gutters present. Electrical panel, water heater, and operational verification of HVAC/hot water are not visible; presumed functional given recent renovation but not confirmed."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Furnace is new and operational as stated in the listing; heating system is present and serviceable.",
"Water heater and electrical panel exist and are functional though not shown in photos.",
"Smoke detectors and carbon monoxide detectors may be present but were not visible in photos; their presence is not confirmed.",
"GFCI protection at kitchen and bathroom receptacles is not visible in photos and should be verified or installed if absent.",
"Bedrooms have code‑compliant egress windows based on visible window size, but exact measurements are not confirmed.",
"No significant hidden structural or roof failures are present given visible exterior condition and recent renovation — this is a professional best‑judgment inference from photos and listing statements."
],
"score_method": "mean_of_criteria",
"overall_score": 78.8,
"rubric_version": "2026-02-24-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4868133355"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.