273 Alder Dr, Pittsburgh, PA, 15202
Pittsburgh, PA
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 78.30%
Confidence: 87.00%
Property appears well-maintained and likely to pass an initial HCV/NSPIRE inspection with minor, easily-corrected items. Strengths: new roof (listing), included kitchen appliances, washer/dryer, finished walkout basement, intact porch/guardrails, visible smoke detector, tidy interior finishes. Primary verification needs: presence/function of CO alarm, GFCI protection, electrical panel condition, hot water heater and furnace functionality, and documented pre-inspection results to clear outstanding unknowns.
Property Fundamentals
Property Description
Welcome Home to 273 Alder Drive! NEW ROOF!! Where city living meets absolute serenity. This is your opportunity to own the best of both worlds. Commute to downtown in just 14 minutes. Target, Sam's Club, and Home Depot are under 10 minutes away. Step inside this timeless beauty! Spacious living room with built-in bookshelves. Oversized eat-in kitchen with ample cabinet and counter space. New gas stove and stainless steel refrigerator included! Upstairs, two spacious bedrooms. Hardwood flooring under the carpet in each bedroom. Timeless full bathroom on the second floor. The pride of ownership really shows! Finished walkout basement with a game room and separate laundry room. Plenty of room for an office, gym or family room. Washer and dryer included! Unwind on your covered porch at the end of a long day. The perfect sized flat back yard ready for your very own garden or swing set. Walking distance to the bus at the California Ave loop. PRE INSPECTED!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Properties Used for Comps
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing claim 'NEW ROOF' is accurate and roof is free of active leaks (photos and listing support this).
- Kitchen stove and refrigerator are present and operational as stated in listing (appliances visible in photos).
- Thermostat visible in living area indicates a working heating system (furnace) though its age/condition is unknown.
- Washer and dryer exist in the finished walkout basement as stated in listing; basement does not show visible moisture issues in photos.
- Bedrooms have required egress windows (not photographed) — assumed from building type and visible exterior windows.
- Smoke detector visible in photos is functional; additional CO detector(s) and GFCI outlets may be present but are not visible in images.
- Electrical panel, water heater and other concealed systems are not shown; assumed serviceable given listing 'PRE INSPECTED' and overall good condition but need on-site verification.
- No evidence of major structural issues (sagging, foundation movement, large cracks) in photos; therefore none inferred.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,968 | $77,000 | $59,000 |
| 2024 | $1,806 | $77,000 | $59,000 |
| 2023 | $1,760 | $77,000 | $59,000 |
| 2022 | $1,721 | $77,000 | $59,000 |
| 2021 | $1,730 | $77,000 | $59,000 |
| 2020 | $1,683 | $77,000 | $59,000 |
| 2019 | $1,662 | $77,000 | $59,000 |
| 2018 | $1,637 | $77,000 | $59,000 |
| 2017 | $1,637 | $77,000 | $59,000 |
| 2016 | $1,717 | $77,000 | $59,000 |
| 2015 | $1,717 | $77,000 | $59,000 |
| 2014 | $1,661 | $77,000 | $59,000 |
| 2013 | $1,844 | $77,000 | $59,000 |
| 2012 | $1,569 | $48,700 | $33,700 |
| 2011 | $1,475 | $48,700 | $33,700 |
| 2010 | $1,409 | $48,700 | $33,700 |
| 2009 | $1,000 | $48,700 | $33,700 |
| 2008 | $984 | $48,700 | $33,700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-08 | Listed | $165,000 |
Photo Gallery
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"land": 23600,
"total": 48700,
"building": 25100
},
"assessment": {
"land": 23600,
"total": 33700,
"building": 10100
}
},
{
"tax": 1475,
"year": 2011,
"market": {
"land": 23600,
"total": 48700,
"building": 25100
},
"assessment": {
"land": 23600,
"total": 33700,
"building": 10100
}
},
{
"tax": 1409,
"year": 2010,
"market": {
"land": 23600,
"total": 48700,
"building": 25100
},
"assessment": {
"land": 23600,
"total": 33700,
"building": 10100
}
},
{
"tax": 1000,
"year": 2009,
"market": {
"land": 23600,
"total": 48700,
"building": 25100
},
"assessment": {
"land": 23600,
"total": 33700,
"building": 10100
}
},
{
"tax": 984,
"year": 2008,
"market": {
"land": 23600,
"total": 48700,
"building": 25100
},
"assessment": {
"land": 23600,
"total": 33700,
"building": 10100
}
}
],
"property_history": [
{
"date": "2025-11-08",
"price": 165000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-08T04:09:37Z",
"list_price": 165000,
"listing_id": "2988244447",
"last_update_date": "2026-01-31T15:37:50Z",
"last_status_change_date": "2025-11-08T04:09:37Z"
},
"event_name": "Listed",
"price_sqft": 156.54648956356735,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1729870",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "4887253689",
"generated_at": "2026-02-24T23:19:29.978324Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 78.3
},
"utility_allowance": {
"zip_code": "15202",
"home_photo": "https://ap.rdcpix.com/df881255e0fd065eaf1efd73d2bc42acl-m2322047339s-w1280.jpg",
"rent_price": 1525.0,
"loan_amount": 132000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/273-Alder-Dr_Pittsburgh_PA_15202_M48872-53689",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 165000.0,
"loan_term_years": 30,
"annual_cash_flow": 14008.96,
"mortgage_monthly": 878.2,
"payment_standard": 1876.0,
"total_amount_out": 33000.0,
"additional_photos": [
"https://ap.rdcpix.com/df881255e0fd065eaf1efd73d2bc42acl-m476748697s-w1280.jpg",
"https://ap.rdcpix.com/df881255e0fd065eaf1efd73d2bc42acl-m1373300121s-w1280.jpg",
"https://ap.rdcpix.com/df881255e0fd065eaf1efd73d2bc42acl-m1044022738s-w1280.jpg",
"https://ap.rdcpix.com/df881255e0fd065eaf1efd73d2bc42acl-m2751566574s-w1280.jpg",
"https://ap.rdcpix.com/df881255e0fd065eaf1efd73d2bc42acl-m167198896s-w1280.jpg",
"https://ap.rdcpix.com/df881255e0fd065eaf1efd73d2bc42acl-m4216003921s-w1280.jpg",
"https://ap.rdcpix.com/df881255e0fd065eaf1efd73d2bc42acl-m676584735s-w1280.jpg",
"https://ap.rdcpix.com/df881255e0fd065eaf1efd73d2bc42acl-m2290790202s-w1280.jpg",
"https://ap.rdcpix.com/df881255e0fd065eaf1efd73d2bc42acl-m627926937s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 36.17,
"monthly_cash_flow": 1167.41,
"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": "Selected 'Natural Gas' for heating as the property information specifies 'Heating Features: Gas'.",
"utility": "Heating (Natural Gas)",
"allowance": 74
},
{
"note": "Selected 'Natural Gas' for cooking as the property description states 'New gas stove... included!'.",
"utility": "Cooking (Natural Gas)",
"allowance": 6
},
{
"note": "Inferred that the water heater is gas, which is consistent with the property's specified gas heating system.",
"utility": "Water Heating (Natural Gas)",
"allowance": 18
},
{
"note": "Standard allowance for general tenant electric usage (lights, outlets, etc.).",
"utility": "Other Electric",
"allowance": 59
},
{
"note": "Assumed for a single-family home as a standard tenant-paid utility.",
"utility": "Air Conditioning",
"allowance": 11
},
{
"note": "Property information specifies a 'Public' water source, indicating a tenant-paid utility.",
"utility": "Water",
"allowance": 66
},
{
"note": "Property information specifies a 'Public' sewer connection, indicating a tenant-paid utility.",
"utility": "Sewer",
"allowance": 99
},
{
"note": "A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Range / Microwave",
"allowance": 18
}
],
"cash_on_cash_return": 0.42,
"down_payment_amount": 33000.0,
"property_tax_annual": 2027.04,
"property_tax_monthly": 168.92,
"property_tax_increase": 0.03,
"utility_allowance_total": 351.0,
"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": 3470.57,
"property_management_monthly": 152.5,
"monthly_cash_flow_after_debt": 289.21,
"cash_on_cash_return_after_debt": 0.11
},
"section8_assessment": {
"runs": [
{
"summary": "Property appears well-maintained and likely to pass an initial HCV/NSPIRE inspection with minor, easily-corrected items. Strengths: new roof (listing), included kitchen appliances, washer/dryer, finished walkout basement, intact porch/guardrails, visible smoke detector, tidy interior finishes. Primary verification needs: presence/function of CO alarm, GFCI protection, electrical panel condition, hot water heater and furnace functionality, and documented pre-inspection results to clear outstanding unknowns.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show well-maintained cosmetic condition: painted walls, intact cabinetry, tiled kitchen floor, new-looking kitchen appliances (listing states new gas stove and stainless refrigerator included), carpet in good visual condition, and finished walkout basement. Porch and railings intact. No visible water stains, peeling paint, or collapsed surfaces in photos. Missing or minor items (no visible GFCI, small cosmetic touch-ups) are easy-to-fix; appliance replacements are not required since stove/refrigerator/washer/dryer are included."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "Positive indicators: at least one smoke detector is visible near the living area, entry door has a deadbolt, porch/guardrail present, no exposed wiring or trip hazards visible, no visible active leaks or ceiling sag. Unknowns: carbon monoxide detector not visible in photos, GFCI protection in kitchen/bathrooms not visible, electrical panel location/condition not shown, egress for bedrooms inferred but not photographed. Listing states 'PRE INSPECTED' which suggests prior code review. Because several required items cannot be visually confirmed, a moderate deduction was applied for NSPIRE documentation/verification risks."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 80.0,
"rationale": "Listing notes a NEW ROOF and a thermostat is visible in the living room, suggesting an operational heating system. Washer/dryer and new gas stove are included. No visual evidence of active roof leaks, structural sag, or plumbing failure. Unknowns include age/condition of furnace, water heater, electrical panel, and drainage components; these are not shown in photos. Given the new roof claim and tidy interior, assume systems are serviceable but require verification (normal for initial HCV inspection)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 86.0,
"rationale": "Exterior photos show vinyl siding in good condition, a recently updated roof (per listing and visual), covered front porch with intact railing, chain-link yard fence, and a flat backyard claimed in listing. The house sits at the base of a wooded slope — no visible foundation cracks or standing water in photos. Driveway/parking not shown; curbside road proximity may restrict off-street parking but does not itself create an NSPIRE failure. Overall exterior condition appears well maintained."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing claim 'NEW ROOF' is accurate and roof is free of active leaks (photos and listing support this).",
"Kitchen stove and refrigerator are present and operational as stated in listing (appliances visible in photos).",
"Thermostat visible in living area indicates a working heating system (furnace) though its age/condition is unknown.",
"Washer and dryer exist in the finished walkout basement as stated in listing; basement does not show visible moisture issues in photos.",
"Bedrooms have required egress windows (not photographed) — assumed from building type and visible exterior windows.",
"Smoke detector visible in photos is functional; additional CO detector(s) and GFCI outlets may be present but are not visible in images.",
"Electrical panel, water heater and other concealed systems are not shown; assumed serviceable given listing 'PRE INSPECTED' and overall good condition but need on-site verification.",
"No evidence of major structural issues (sagging, foundation movement, large cracks) in photos; therefore none inferred."
],
"overall_score": 82.0,
"rubric_version": "2026-01-NSPIRE-v1"
},
{
"summary": "Overall this single-family home appears largely turnkey for Section 8 tenancy with minor, likely easy-to-fix items. The property shows good cosmetic condition, a new roof, included kitchen appliances and laundry, intact exterior envelope, and no visible major structural or life‑safety hazards in the photos. Remaining inspection risks are primarily verification items: presence and placement of required smoke/CO detectors, GFCI protection in the kitchen/bath, confirmation of a functioning heating system and hot water, and electrical panel condition. If those items check out or are corrected (typically quick fixes), the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Visible Repair Needs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained cosmetic condition: fresh-appearing paint, intact drywall, clean tile and carpet, functioning light fixtures, and cabinetry in good condition. Listing states a NEW ROOF and shows newer kitchen appliances (gas stove and stainless refrigerator) and included washer/dryer — these reduce needed capital work. Minor items likely (leaf/debris clean-up on porch, trim or caulk touch-ups) but no visible major deferred maintenance. Missing bathroom photos but description lists full bath upstairs and 1/2 bath, so assumed serviceable."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 75.0,
"rationale": "No visible life‑threatening hazards in photos: ceilings intact, no collapsed areas, no standing water, no exposed wiring, stairs/porch have railings, windows appear intact. A smoke detector is visible in the living room photo; however CO detector(s) are not visible and GFCI outlets in the kitchen are not clearly identifiable from images. Bedroom egress windows appear to be present for the upstairs bedrooms based on photos, but exact dimensions cannot be verified. Entry door appears secure; deadbolt not visible in photos. Overall modest risk items likely limited to adding/verifying CO alarms and GFCI protection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Listing claims NEW ROOF and photos show roof and siding in good condition. Appliances (gas stove, fridge, washer/dryer) are included which indicates functioning gas and plumbing connections. No HVAC equipment (furnace/AC) or water heater are visible in images; a baseboard heater-like unit is seen in living room which suggests heating exists but cannot be fully verified. Electrical panel not visible for assessment. Because major systems are not shown, but listing is 'PRE INSPECTED' and there are no visible signs of active leaks or water damage, assume systems are operational but would require verification/inspection on-site (panel, HVAC operation, hot water, dryer vent)."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 75.0,
"rationale": "Exterior photos show intact vinyl siding, new-looking roof, covered porch with railings, and a flat back yard as described. Property sits adjacent to a sloped wooded area and the house is close to the roadway; chain-link fence present. Walkout basement visible in listing description. No visible foundation cracks, major settling, or pest/infestation evidence in images. Potential site concerns: proximity to slope/road may affect drainage — no standing water observed but drainage details cannot be fully confirmed from photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing claim 'NEW ROOF' is accurate and the roof is in good condition as shown.",
"Kitchen gas stove, refrigerator, washer and dryer are present and functional as listed.",
"At least one smoke detector is present (visible in living room); additional detectors/CO alarms may be present but not visible in supplied photos.",
"Bedrooms have standard egress windows appropriate for sleeping rooms (visible windows appear typical double-hung), but exact sill heights and sizes are unverified.",
"No visible signs of active leaks, mold, or severe structural movement in photos; hidden issues are possible but not suggested by images.",
"Heating and hot water systems exist and are functional (photographs do not clearly show furnace/WH); assumed operational because listing is pre-inspected and property is staged/maintained.",
"Electrical panel condition, GFCI protection and smoke/CO placement require on-site verification—ratings assume these will need only minor corrections if missing.",
"No rental events in the last 5 years (rental_history_last_5y missing), so rental history bonus not applied."
],
"overall_score": 77.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this single-family home appears in good, mostly move-in condition and is likely to pass an initial HCV/NSPIRE inspection with minimal work. Strengths: new roof, included stove/refrigerator and washer/dryer, intact interior finishes, finished walk-out basement, covered porch and intact exterior. Primary inspection uncertainty areas that should be verified before voucher move-in: presence and operation of carbon monoxide alarm(s), GFCI protection in kitchen/bath, functional heating system and hot water heater, electrical panel condition, and presence of a secure deadbolt on entry door. Expect to be rent-ready within 1–4 weeks if the missing safety items are installed/verified; if systems need service, timeline could extend to 30+ days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained property with recently replaced roof (listing), intact vinyl siding, painted porch decking, functioning kitchen with new gas stove and stainless refrigerator included, and washer/dryer included in finished basement. Living spaces appear clean with intact ceilings and walls; kitchen tile and cabinetry are in good condition. Minor cosmetic items (leaf/debris on porch/yard, carpeting in living room) but no visible deferred maintenance. Missing appliances are not an issue as both stove and refrigerator are present and laundry included. Overall only minor cosmetic/tenant-turn items expected."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible: ceilings intact, no visible active leaks, no standing water, no collapsed ceilings, and interior wiring and outlet covers appear present. A small white alarm device is visible in the living area (likely a smoke detector). Bedroom egress windows appear to be present. Entry door has a lockset; deadbolt not visible in photos. Carbon monoxide detector(s) and GFCI-protected receptacles at kitchen sink are not clearly visible in photos and should be verified. Electrical panel and water heater locations were not photographed. Because critical safety items (CO alarm, GFCI, electrical panel condition, deadbolt presence) are not documented, there is moderate NSPIRE risk until verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Listing states 'NEW ROOF' and exterior photos show intact roofline — roof risk is low. Kitchen plumbing fixtures appear functional (double sink) and laundry is stated as included in finished walkout basement (suggests working plumbing and water heater). HVAC equipment is not shown; a thermostat and floor vent are visible indicating central heat/air or forced air present but operation and age are unconfirmed. Electrical panel not shown; visible outlets/covers suggest no exposed wiring. Overall systems appear serviceable but lack of direct images of furnace/HW tank/electrical panel reduces score until inspected."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior photos show vinyl siding in good condition, a covered front porch with metal guardrail and handrail, chain-link yard fencing, and a flat back yard suitable for tenants. The home sits adjacent to a wooded slope across the street; no visible foundation cracks or sagging in photos. Leaves/debris on porch and landscaping need basic maintenance. Driveway/parking not shown. Proximity to hillside suggests potential drainage review but no active site failures observed."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement 'NEW ROOF' is accurate and roof is recently replaced and watertight.",
"Visible small white device near ceiling in living area is assumed to be a smoke detector.",
"Kitchen and laundry plumbing and fixtures are operational (washer/dryer included and kitchen sink shows no visible leaks).",
"Heating system exists and is functional (thermostat and floor vent visible), though equipment not photographed.",
"Electrical panel, water heater, and CO detectors were not photographed and their condition is unknown (assumed serviceable until proven otherwise).",
"No severe hidden issues (major mold, foundation movement, or active roof leaks) are present because photos show intact finishes and listing indicates pre-inspection, but these must be confirmed on-site."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "273 Alder Dr, Pittsburgh, PA, 15202",
"aggregate": {
"summary": "Property appears well-maintained and likely to pass an initial HCV/NSPIRE inspection with minor, easily-corrected items. Strengths: new roof (listing), included kitchen appliances, washer/dryer, finished walkout basement, intact porch/guardrails, visible smoke detector, tidy interior finishes. Primary verification needs: presence/function of CO alarm, GFCI protection, electrical panel condition, hot water heater and furnace functionality, and documented pre-inspection results to clear outstanding unknowns.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show well-maintained cosmetic condition: painted walls, intact cabinetry, tiled kitchen floor, new-looking kitchen appliances (listing states new gas stove and stainless refrigerator included), carpet in good visual condition, and finished walkout basement. Porch and railings intact. No visible water stains, peeling paint, or collapsed surfaces in photos. Missing or minor items (no visible GFCI, small cosmetic touch-ups) are easy-to-fix; appliance replacements are not required since stove/refrigerator/washer/dryer are included."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 78.7,
"rationale": "Exterior photos show vinyl siding in good condition, a recently updated roof (per listing and visual), covered front porch with intact railing, chain-link yard fence, and a flat backyard claimed in listing. The house sits at the base of a wooded slope — no visible foundation cracks or standing water in photos. Driveway/parking not shown; curbside road proximity may restrict off-street parking but does not itself create an NSPIRE failure. Overall exterior condition appears well maintained."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 74.3,
"rationale": "Positive indicators: at least one smoke detector is visible near the living area, entry door has a deadbolt, porch/guardrail present, no exposed wiring or trip hazards visible, no visible active leaks or ceiling sag. Unknowns: carbon monoxide detector not visible in photos, GFCI protection in kitchen/bathrooms not visible, electrical panel location/condition not shown, egress for bedrooms inferred but not photographed. Listing states 'PRE INSPECTED' which suggests prior code review. Because several required items cannot be visually confirmed, a moderate deduction was applied for NSPIRE documentation/verification risks."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 73.3,
"rationale": "Listing notes a NEW ROOF and a thermostat is visible in the living room, suggesting an operational heating system. Washer/dryer and new gas stove are included. No visual evidence of active roof leaks, structural sag, or plumbing failure. Unknowns include age/condition of furnace, water heater, electrical panel, and drainage components; these are not shown in photos. Given the new roof claim and tidy interior, assume systems are serviceable but require verification (normal for initial HCV inspection)."
}
],
"red_flags": [],
"confidence": 0.87,
"assumptions": [
"Listing claim 'NEW ROOF' is accurate and roof is free of active leaks (photos and listing support this).",
"Kitchen stove and refrigerator are present and operational as stated in listing (appliances visible in photos).",
"Thermostat visible in living area indicates a working heating system (furnace) though its age/condition is unknown.",
"Washer and dryer exist in the finished walkout basement as stated in listing; basement does not show visible moisture issues in photos.",
"Bedrooms have required egress windows (not photographed) — assumed from building type and visible exterior windows.",
"Smoke detector visible in photos is functional; additional CO detector(s) and GFCI outlets may be present but are not visible in images.",
"Electrical panel, water heater and other concealed systems are not shown; assumed serviceable given listing 'PRE INSPECTED' and overall good condition but need on-site verification.",
"No evidence of major structural issues (sagging, foundation movement, large cracks) in photos; therefore none inferred."
],
"score_method": "mean_of_criteria",
"overall_score": 78.3,
"rubric_version": "2026-01-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4887253689"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.