Property ID: 4895923782
200 N 6th St, Continental, OH, 45831
Continental, OH
Money Down: $35,976
CoC Return: -2.92%
Monthly Cash Flow: $-88
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$29,980
Closing Costs
$5,996
Total Down
$35,976
Investment Snapshot
Purchase Price
$149,900
Money Down
$35,976
Cash-on-Cash Return
-2.92%
Rent
$987
Monthly Cash Flow
$-88
Annual Cash Flow
$-1,051
Debt Service / Mo
$798
Property Tax / Mo
$127
Insurance / Mo
$51
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$987
Payment Standard
$1,394
Rent
$987
Insurance
$51
Property Tax
$127
Management
$99
Utilities Allowance
$407
NOI (Monthly)
$710
Debt Service
$798
Cash Flow After Debt
$-88
Quality Score: 77.10%
Confidence: 91.00%
Overall the property looks like a solid candidate for Housing Choice Voucher tenancy with mostly cosmetic updates and functioning heating/appliances. Key positives: brand-new windows (2025), remodeled bathroom, included appliances, EverDry crawlspace waterproofing and recent boiler service. Primary inspection risks are missing/unclear smoke and CO detectors, lack of documented GFCI protection clarity at wet locations, and a missing front step handrail. These are typically straightforward to remedy (install detectors, install/verify GFCI, add handrail) and the home is likely rent-ready within 2–4 weeks after addressing those items and verifying water heater and electrical panel condition.
Section 8 Payment Standard
$1,394
Utility Allowance Total
$407
Guaranteed Section 8 Rent (PS - Utilities)
$987
Property Management
$99
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$149,900
Beds
4
Baths
1
Living Area
1,976 sqft
Lot Size
13,504 sqft
Year Built
1940
Days on Market
80
Capital Outlay
$35,976
Debt Service
$798
Property Tax / Mo
$127
Insurance / Mo
$51
Property Description
Charming home featuring ALL brand-new windows in 2025 with a transferable warranty, offering peace of mind and energy efficiency. The main floor includes a convenient bedroom and original hardwood floors, complemented by original woodwork that adds timeless character throughout. The bathroom is adjacent to the main floor bedroom and was completed remodeled just a few years ago. All appliances are included, making this home move-in ready. The crawl space is protected by an EverDry waterproofing system, and the boiler system has been recently serviced. The roof was replaced in 2012. Enjoy outdoor living on the attractive stamped concrete patio and take advantage of the large side yard, perfect for entertaining, gardening, or play. An oversized one-car garage provides ample space for parking and additional storage. This home blends classic charm with thoughtful updates-don't miss the opportunity to make it yours.
Utility Allowances
heating
$177
Property info specifies 'Propane' heating, which corresponds to the 'bottled_gas' option in the schedule.
cooking
$17
Property info lists 'Range' as a provided appliance. The fuel type is assumed to be electric, as this is common and it is not specified otherwise.
water_heating
$52
Property info specifies an 'Electric Water Heater' is provided.
other_electric
$50
A fixed allowance for general electricity use not covered by other specific utilities.
water
$40
Property info indicates the property is connected to 'Public' water.
sewer
$46
Property info indicates the property is connected to a 'Public Sewer' system.
trash_collection
$25
Standard municipal service, assumed to be the tenant's responsibility as it is not specified as landlord-paid.
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$554
DP3 Annual Estimate$672
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$56
Replacement Value$100,000
Basis1,976 sqft / 1940
Nearby Houses
Photo unavailable
202 E Elm St
sold · 0.05 mi
Price: $32,500
3 bd / 1 ba · 1,356 sqft
Latest sale: $32,500 on Jun 05, 2020
Latest rent: —
Photo unavailable
204 E Elm St
sold · 0.06 mi
Price: $69,000
3 bd / 3 ba · 2,045 sqft
Latest sale: $69,000 on Jun 17, 2024
Latest rent: —
Photo unavailable
203 N Seventh St
sold · 0.06 mi
Price: $8,000
2 bd / 1 ba · 816 sqft
Latest sale: $8,000
Latest rent: —
Photo unavailable
206 E Elm St
sold · 0.07 mi
Price: $72,500
2 bd / 1 ba · 864 sqft
Latest sale: $72,500 on Mar 18, 2024
Latest rent: —
Photo unavailable
208 N 6th St
sold · 0.08 mi
Price: $105,000
3 bd / 1 ba · 1,196 sqft
Latest sale: $105,000 on Sep 09, 2025
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 photos — absence would cause an NSPIRE fail.
- Front porch steps show no handrail — could be cited depending on riser count and local code/inspector judgement.
Assumptions
- Heating is provided by the boiler/radiator system shown and the boiler is operational per listing statement.
- New windows (2025) are properly installed and have a transferable warranty as stated in the listing.
- All kitchen appliances shown (range, refrigerator, dishwasher, microwave) are included and functional as stated.
- Water heater and electrical panel exist and are functional although not pictured; no obvious signs of active leaks or electrical hazards visible in photos.
- Bedrooms have legal egress windows (not shown) typical for a 4-bed single-family in this market unless otherwise disclosed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,479 | $110,510 | $38,680 |
| 2023 | $1,512 | $110,510 | $38,680 |
| 2022 | $1,315 | $76,110 | $26,640 |
| 2021 | $1,319 | $76,110 | $26,640 |
| 2020 | $1,341 | $76,110 | $26,640 |
| 2019 | $1,298 | $76,110 | $26,640 |
| 2018 | $1,257 | $76,110 | $26,640 |
| 2017 | $1,268 | $76,110 | $26,640 |
| 2016 | $1,032 | $64,220 | $22,480 |
| 2015 | $1,037 | $64,220 | $22,480 |
| 2014 | $1,010 | $64,220 | $22,480 |
| 2013 | $1,550 | $64,220 | $22,480 |
| 2012 | $1,540 | $64,220 | $22,480 |
| 2011 | $1,540 | $64,220 | $22,480 |
| 2010 | $1,538 | $64,080 | $22,430 |
| 2009 | $1,630 | $68,170 | $23,860 |
| 2008 | $1,605 | $68,170 | $23,860 |
| 2006 | $1,561 | $66,370 | $23,230 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-02-10 | Sold | $119,500 |
| 2017-10-06 | Sold | $85,000 |
| 2013-08-02 | Sold | $82,900 |
| 2006-10-19 | Sold | $70,000 |
Photo Gallery
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"market": {
"land": 6910,
"total": 64220,
"building": 57310
},
"assessment": {
"land": 2420,
"total": 22480,
"building": 20060
}
},
{
"tax": 1037,
"year": 2015,
"market": {
"land": 6910,
"total": 64220,
"building": 57310
},
"assessment": {
"land": 2420,
"total": 22480,
"building": 20060
}
},
{
"tax": 1010,
"year": 2014,
"market": {
"land": 6910,
"total": 64220,
"building": 57310
},
"assessment": {
"land": 2420,
"total": 22480,
"building": 20060
}
},
{
"tax": 1550,
"year": 2013,
"market": {
"land": 6910,
"total": 64220,
"building": 57310
},
"assessment": {
"land": 2420,
"total": 22480,
"building": 20060
}
},
{
"tax": 1540,
"year": 2012,
"market": {
"land": 6910,
"total": 64220,
"building": 57310
},
"assessment": {
"land": 2420,
"total": 22480,
"building": 20060
}
},
{
"tax": 1540,
"year": 2011,
"market": {
"land": 6910,
"total": 64220,
"building": 57310
},
"assessment": {
"land": 2420,
"total": 22480,
"building": 20060
}
},
{
"tax": 1538,
"year": 2010,
"market": {
"land": 6910,
"total": 64080,
"building": 57170
},
"assessment": {
"land": 2420,
"total": 22430,
"building": 20010
}
},
{
"tax": 1630,
"year": 2009,
"market": {
"land": 6910,
"total": 68170,
"building": 61260
},
"assessment": {
"land": 2420,
"total": 23860,
"building": 21440
}
},
{
"tax": 1605,
"year": 2008,
"market": {
"land": 6910,
"total": 68170,
"building": 61260
},
"assessment": {
"land": 2420,
"total": 23860,
"building": 21440
}
},
{
"tax": 1561,
"year": 2006,
"market": {
"land": 6910,
"total": 66370,
"building": 59460
},
"assessment": {
"land": 2420,
"total": 23230,
"building": 20810
}
}
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{
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{
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{
"date": "2017-10-06",
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{
"date": "2017-08-04",
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{
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{
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{
"date": "2000-10-16",
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"source_name": "Public Record",
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"days_after_listed": null,
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},
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"processing_status": {
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"eligible": true,
"min_score": 60.0,
"overall_score": 77.1
},
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"zip_code": "45831",
"home_photo": "https://ap.rdcpix.com/6ff025a1878bac2b2f81a0ad1fdc96abl-m771453144s-w1280.jpg",
"rent_price": 987.0,
"loan_amount": 119920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/200-N-6th-St_Continental_OH_45831_M48959-23782",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 149900.0,
"loan_term_years": 30,
"annual_cash_flow": 8523.23,
"mortgage_monthly": 797.83,
"payment_standard": 1394.0,
"total_amount_out": 29980.0,
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],
"down_payment_rate": 0.2,
"insurance_monthly": 51.08,
"monthly_cash_flow": 710.27,
"property_tax_rate": 0.009899999999999999,
"_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": "Property info specifies 'Propane' heating, which corresponds to the 'bottled_gas' option in the schedule.",
"utility": "heating",
"allowance": 177
},
{
"note": "Property info lists 'Range' as a provided appliance. The fuel type is assumed to be electric, as this is common and it is not specified otherwise.",
"utility": "cooking",
"allowance": 17
},
{
"note": "Property info specifies an 'Electric Water Heater' is provided.",
"utility": "water_heating",
"allowance": 52
},
{
"note": "A fixed allowance for general electricity use not covered by other specific utilities.",
"utility": "other_electric",
"allowance": 50
},
{
"note": "Property info indicates the property is connected to 'Public' water.",
"utility": "water",
"allowance": 40
},
{
"note": "Property info indicates the property is connected to a 'Public Sewer' system.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Standard municipal service, assumed to be the tenant's responsibility as it is not specified as landlord-paid.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.28,
"down_payment_amount": 29980.0,
"property_tax_annual": 1523.37,
"property_tax_monthly": 126.95,
"property_tax_increase": 0.03,
"utility_allowance_total": 407.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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"https://hancockmetro.com/wp-content/uploads/2025/10/2026-Payment-Standards.pdf"
],
"effective_date": "2025-12-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": -1050.74,
"property_management_monthly": 98.7,
"monthly_cash_flow_after_debt": -87.56,
"cash_on_cash_return_after_debt": -0.04
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property looks like a solid candidate for Housing Choice Voucher tenancy with mostly cosmetic updates and functioning heating/appliances. Key positives: brand-new windows (2025), remodeled bathroom, included appliances, EverDry crawlspace waterproofing and recent boiler service. Primary inspection risks are missing/unclear smoke and CO detectors, lack of documented GFCI protection clarity at wet locations, and a missing front step handrail. These are typically straightforward to remedy (install detectors, install/verify GFCI, add handrail) and the home is likely rent-ready within 2–4 weeks after addressing those items and verifying water heater and electrical panel condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently updated: kitchen cabinets/counters, tile backsplash, dishwasher, range, fridge and microwave are present. Bathroom reportedly remodeled and windows replaced 2025 (listing). Flooring and walls shown are in good cosmetic condition; ceilings show intact tiles with no visible sag. Exterior siding, stamped concrete patio and oversized garage appear serviceable. Minor cosmetic/maintenance items (some exterior siding staining/green algae on garage lower siding, scuffed trim, missing front step handrail) reduce a perfect turnkey score but are easy/fast repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No obvious exposed wiring, no visible water intrusion or ceiling collapse, radiators present and boiler reported recently serviced (listing). Kitchen shows a receptacle near sink and what appears to be a GFCI-style device but the photos do not clearly show certified smoke detectors or carbon monoxide alarms and bedroom egress windows are not visible. The front entry steps do not show a handrail. These missing/unclear items are common cause of initial inspection fails and lower the score despite otherwise safe appearance."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Boiler heating system is visible (radiators) and listing notes recent service. New windows (2025) reduce envelope/comfort risk. Roof replaced 2012 (serviceable but middle-aged). Water heater and electrical panel are not shown in photos; no visible plumbing leaks or active roof issues. Overall systems appear functional but a few unseen components (water heater age, electrical panel condition, proof of hot water) require verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior siding and paint look intact, sidewalks and stamped concrete patio present and usable, large side yard and oversized garage are positives. Some algae/staining on garage siding and minor sidewalk cracking visible. Front porch/steps are intact but lack a visible handrail. Overall good curb condition with minor maintenance needed."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in provided photos — absence would cause an NSPIRE fail.",
"Front porch steps show no handrail — could be cited depending on riser count and local code/inspector judgement."
],
"confidence": 0.7,
"assumptions": [
"Heating is provided by the boiler/radiator system shown and the boiler is operational per listing statement.",
"New windows (2025) are properly installed and have a transferable warranty as stated in the listing.",
"All kitchen appliances shown (range, refrigerator, dishwasher, microwave) are included and functional as stated.",
"Water heater and electrical panel exist and are functional although not pictured; no obvious signs of active leaks or electrical hazards visible in photos.",
"Bedrooms have legal egress windows (not shown) typical for a 4-bed single-family in this market unless otherwise disclosed."
],
"overall_score": 76.0,
"rubric_version": "nsPIRE_v1.0_property_snapshot"
},
{
"summary": "This 4-bed single-family home displays a high level of cosmetic and system upkeep and would likely pass an initial HCV/NSPIRE inspection after completing a small list of safety items. Strengths: brand-new windows (2025) with warranty, remodeled bathroom, recent boiler service, dishwasher/stove/fridge present, intact siding and garage, EverDry crawlspace. Primary inspection risks are missing/unclear smoke and CO detectors, at least one exposed/missing electrical cover or device in the kitchen backsplash, and lack of photo evidence for bedroom egress windows and the electrical panel. These are repairable in the short term; overall this property rates as near-rent-ready with minor to moderate pre-inspection remediation expected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior and kitchen photos show a recently refreshed kitchen (painted cabinets, intact countertops, tile backsplash, functioning sink, dishwasher, stove and refrigerator present). Flooring and trim appear serviceable; original hardwood referenced in listing. Exterior siding and porch appear intact with only light weathering. The listing documents several recent capital items (all-new windows 2025 with warranty, bathroom remodeled a few years ago). Only minor cosmetic items visible (mildew/staining low on garage siding, some worn thresholds/porch concrete). Missing-appliance risk is low since listing states 'all appliances included' and photos show them. Overall visible defects are cosmetic and easy-to-fix."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No smoke detectors or CO alarms are visible in the supplied interior photos — absence in photos raises moderate NSPIRE risk because these are common cause of initial failures. Kitchen shows outlets present; one location above counter appears to have an opening/removed device (visible rectangular/open area in backsplash near countertop) which could be an exposed wiring / missing-cover condition that must be addressed. Radiator heating is present and appears intact, not obviously leaking. Entry doors have deadbolt visible on the exterior photo of rear door? (not clearly shown). Porch steps are short; no obvious failed guardrail or collapsed stairs visible. Bedroom egress windows are not pictured; listing states new windows (2025) which increases likelihood they meet egress but cannot be confirmed. No visible active leaks, collapsed ceilings, or major trip hazards. Because detectors and at least one outlet/cover issue are not clearly present/complete, assign moderate safety risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 80.0,
"rationale": "Listing notes boiler system recently serviced and an EverDry crawl-space waterproofing system; a radiator and vertical piping are visible in kitchen suggesting active boiler/radiant system — positive for heat. Roof replaced in 2012 (visible roofline in photos appears straight, no sagging). Kitchen fixtures (sink, faucet, dishwasher) appear in working condition; appliances present. Electrical panel not shown; visible outlets and appliances appear functional but an opening above backsplash suggests at least one electrical cover missing which is repairable. No visible water damage or active leaks in ceilings or walls in provided photos. Overall mechanical systems look maintained with the caveat that the electrical opening and unverified water heater/electrical panel require on-site verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 82.0,
"rationale": "Exterior photos show intact siding, straight roofline, clear sidewalks and driveway, and an oversized detached one-car garage. Stamped concrete patio and large side yard are positive. Minor staining/mildew on garage lower siding and some snow cover limit full assessment, but no obvious foundation cracks, major drainage issues, or significant exterior neglect are visible. Porch and front steps are functional; handrail/guard details are not fully visible but no collapsed or unsafe stairs are shown."
}
],
"red_flags": [
"Possible exposed electrical opening / missing cover in kitchen backsplash (electrical hazard).",
"No visible smoke detectors or carbon monoxide alarms in supplied interior photos (NSPIRE fail if absent).",
"Bedroom egress windows not verifiable from photos — must confirm compliance on-site."
],
"confidence": 0.7,
"assumptions": [
"Listing statements are accurate: 'all appliances included', 'boiler recently serviced', 'new windows 2025 with transferable warranty', and EverDry crawlspace were installed as described.",
"Smoke detectors and carbon monoxide alarms were not visible in photos; assume they may be missing or not in pictured areas and therefore should be verified and installed if absent.",
"Bedroom egress windows are likely the new windows referenced in the listing but egress compliance was not verifiable from photos and must be confirmed on-site.",
"The vertical metal pipe visible in the kitchen is part of the heating/venting/radiator system associated with the boiler (not a structural defect).",
"Electrical panel, water heater and the condition of concealed systems (wiring behind walls, sewer lateral) were not shown and are assumed typical for a maintained 1940 home with recent servicing; on-site verification required.",
"Porch step/handrail height and guard requirements were not clearly visible; assume no major guardrail failure exists given photo condition."
],
"overall_score": 80.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "This 4-bedroom single-family home appears largely turnkey for Section 8 / HCV tenancy: recent window replacements, an updated kitchen with included appliances, a serviced boiler, crawlspace waterproofing, and generally intact exterior and roof. Most issues visible are minor and repairable (cosmetic siding staining, touch-up). Primary NSPIRE risks to clear before inspection are an exposed electrical opening/cover missing in the kitchen and verification/installation of required smoke and CO detectors and GFCI protection at kitchen outlets. Once those items are corrected/verified, the property is likely to pass an initial HCV/NSPIRE inspection with minimal additional work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show a well-maintained, recently-updated home: new windows (listed 2025), refreshed kitchen cabinetry, backsplash, countertops, and included appliances (stove, fridge, dishwasher, microwave). Floors and ceilings in photos appear intact and cosmetically good. Minor deferred items noted: exterior garage siding has staining/algae at the base and there appears to be at least one missing electrical cover/unfinished opening in the kitchen backsplash (easy repair). Overall repairs are cosmetic/minor and appliances are present, so only modest work would be needed to present as move-in ready."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No obvious life-threatening conditions visible (no standing water, collapsed ceilings, major roof sagging). Heating radiators and boiler service are reported. However there are two inspection-level concerns: (1) an apparent uncovered electrical opening / recessed hole in the kitchen backsplash area (visible in photos) — an exposed electrical box/outlet is an electrical hazard and would cause an automatic NSPIRE item to fail until fixed; (2) smoke and carbon monoxide detectors are not visible in the provided interior photos and their presence/functionality is unverified (required). GFCI protection at sink outlets is not clearly documented in photos (one outlet near sink resembles a GFCI but cannot be confirmed). These are fixable but must be addressed prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, roof, electrical)",
"score": 80.0,
"rationale": "Key system notes are positive: listing states boiler recently serviced and radiators are installed (photos show radiators), crawl space waterproofed with EverDry, new windows (2025) and roof replaced in 2012. Kitchen plumbing fixtures and sink look functional; appliances appear operable. Electrical panel and water heater are not shown, so their condition is unconfirmed. No visible signs of active leaks, major roof failure, or structural movement in photos. Overall systems appear functional but a full inspection should verify the water heater, electrical panel condition, HVAC operation (boiler), and hot water supply."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 82.0,
"rationale": "Exterior photos show intact siding, a solid roofline, a usable stamped concrete patio (listed), and an oversized detached one-car garage with working garage door. Walkways and driveway appear serviceable; yard is level and no obvious trip hazards or open excavations. Minor staining on lower garage siding and normal weathering of yard are present. Front porch steps have short masonry walls; no obvious missing guardrail for the small number of risers visible. Overall exterior/site condition is good and poses low NSPIRE risk."
}
],
"red_flags": [
"Exposed electrical box / missing outlet cover in kitchen (electrical hazard) — visible in backsplash area and must be corrected prior to inspection.",
"No visible smoke detectors or carbon monoxide detectors in interior photos — device presence/function must be verified/installed."
],
"confidence": 0.7,
"assumptions": [
"Boiler and radiators are operational as the listing states the boiler has been recently serviced and radiators are visible in photos.",
"Water heater and electrical panel location/condition are not shown; assumed functional but unverified — should be inspected.",
"New windows (2025) and EverDry crawlspace system are as-represented in the listing and functioning (helps with egress and moisture control respectively).",
"At least one kitchen outlet near the sink is GFCI-protected or on a protected circuit; this cannot be confirmed visually and should be tested.",
"Bedrooms have egress-compliant windows given the recent window replacements, but exact dimensions/egress compliance are not confirmed from photos.",
"No major pest infestation, hidden mold, foundation movement, or active roof leaks are present based on the absence of visible evidence in photos; however hidden issues cannot be ruled out without an interior crawl/attic inspection."
],
"overall_score": 76.0,
"rubric_version": "nsPIRE-v1.0-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "200 N 6th St, Continental, OH, 45831",
"aggregate": {
"summary": "Overall the property looks like a solid candidate for Housing Choice Voucher tenancy with mostly cosmetic updates and functioning heating/appliances. Key positives: brand-new windows (2025), remodeled bathroom, included appliances, EverDry crawlspace waterproofing and recent boiler service. Primary inspection risks are missing/unclear smoke and CO detectors, lack of documented GFCI protection clarity at wet locations, and a missing front step handrail. These are typically straightforward to remedy (install detectors, install/verify GFCI, add handrail) and the home is likely rent-ready within 2–4 weeks after addressing those items and verifying water heater and electrical panel condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 81.0,
"rationale": "Interior appears recently updated: kitchen cabinets/counters, tile backsplash, dishwasher, range, fridge and microwave are present. Bathroom reportedly remodeled and windows replaced 2025 (listing). Flooring and walls shown are in good cosmetic condition; ceilings show intact tiles with no visible sag. Exterior siding, stamped concrete patio and oversized garage appear serviceable. Minor cosmetic/maintenance items (some exterior siding staining/green algae on garage lower siding, scuffed trim, missing front step handrail) reduce a perfect turnkey score but are easy/fast repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.7,
"rationale": "Exterior siding and paint look intact, sidewalks and stamped concrete patio present and usable, large side yard and oversized garage are positives. Some algae/staining on garage siding and minor sidewalk cracking visible. Front porch/steps are intact but lack a visible handrail. Overall good curb condition with minor maintenance needed."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 68.3,
"rationale": "No obvious exposed wiring, no visible water intrusion or ceiling collapse, radiators present and boiler reported recently serviced (listing). Kitchen shows a receptacle near sink and what appears to be a GFCI-style device but the photos do not clearly show certified smoke detectors or carbon monoxide alarms and bedroom egress windows are not visible. The front entry steps do not show a handrail. These missing/unclear items are common cause of initial inspection fails and lower the score despite otherwise safe appearance."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 78.3,
"rationale": "Boiler heating system is visible (radiators) and listing notes recent service. New windows (2025) reduce envelope/comfort risk. Roof replaced 2012 (serviceable but middle-aged). Water heater and electrical panel are not shown in photos; no visible plumbing leaks or active roof issues. Overall systems appear functional but a few unseen components (water heater age, electrical panel condition, proof of hot water) require verification."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in provided photos — absence would cause an NSPIRE fail.",
"Front porch steps show no handrail — could be cited depending on riser count and local code/inspector judgement."
],
"confidence": 0.91,
"assumptions": [
"Heating is provided by the boiler/radiator system shown and the boiler is operational per listing statement.",
"New windows (2025) are properly installed and have a transferable warranty as stated in the listing.",
"All kitchen appliances shown (range, refrigerator, dishwasher, microwave) are included and functional as stated.",
"Water heater and electrical panel exist and are functional although not pictured; no obvious signs of active leaks or electrical hazards visible in photos.",
"Bedrooms have legal egress windows (not shown) typical for a 4-bed single-family in this market unless otherwise disclosed."
],
"score_method": "mean_of_criteria",
"overall_score": 77.1,
"rubric_version": "nsPIRE_v1.0_property_snapshot",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4895923782"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.