310 N Market St, Kenton, OH, 43326
Kenton, OH
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 62.50%
Confidence: 86.00%
This 1954 single-family home is mostly structurally sound and cosmetically dated. Roof and exterior appear in good condition and interior shows intact original features (hardwood floors, built-ins). Primary inspection risks are missing/undocumented smoke/CO detectors, potential lack of GFCI protection, absence of a handrail on the front steps, unknown condition/operation of heating and water heater, and lead-paint potential due to age. With targeted safety updates (install detectors, add handrail, verify/upgrade GFCI and electrical), basic appliance provisioning, and routine cosmetic work, the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. If mechanicals (heating/water heater/electrical) prove nonfunctional, timeline and score drop substantially.
Property Fundamentals
Property Description
Spacious and full of potential, this 4-bedroom, 2.5-bath home in Kenton offers over 2,200 square feet of living space - all priced to sell at just $124,900! The main level features a first-floor bedroom, formal living room, and formal dining room, perfect for entertaining. Upstairs, you'll find a huge bonus room that provides endless possibilities for a playroom, office, or additional bedroom. An attached garage adds convenience, and there's plenty of space throughout for your personal touch. With this much square footage at such an incredible value, this home won't last long - schedule your showing today! Home being sold as is.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Properties Used for Comps
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide detectors in photos (required)
- Front entry steps lack a visible handrail (potential code violation)
- No visible proof of functional heating system or water heater in photos (must verify operational status before inspection)
- Potential electrical deficiencies: older fluorescent fixtures, unknown GFCI protection at kitchen/bath
- Pre-1978 construction — potential lead-based paint hazard (requires disclosure and possible remediation)
Assumptions
- No furnace/boiler or water heater is visible in photos; assume mechanicals are present in basement/utility area but require verification and service.
- Window sizes seen in bedrooms provide adequate egress based on visual size; exact egress compliance not confirmed without measurements.
- No obvious active roof leaks or major water intrusion observed in interior photos; assume roof is water-tight as it appears recently shingled.
- Electrical panel and wiring are older but intact; assume circuits function but will require GFCI checks at kitchen and bathrooms.
- Property was built in 1954 (pre-1978); assume lead-based paint hazard possible and that required disclosures/abatement planning will be necessary.
- Missing range/stove in photos is a moderate rental readiness item; landlord can install or provide prior to move-in without structural work.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,810 | $117,430 | $41,100 |
| 2024 | $1,822 | $117,430 | $41,100 |
| 2023 | $1,711 | $117,430 | $41,100 |
| 2022 | $1,340 | $80,650 | $28,230 |
| 2021 | $1,344 | $80,650 | $28,230 |
| 2020 | $1,170 | $80,650 | $28,230 |
| 2019 | $914 | $64,800 | $22,680 |
| 2018 | $892 | $64,800 | $22,680 |
| 2017 | $934 | $64,800 | $22,680 |
| 2016 | $871 | $67,170 | $23,510 |
| 2015 | $847 | $67,170 | $23,510 |
| 2014 | $843 | $67,170 | $23,510 |
| 2013 | $948 | $72,480 | $25,370 |
| 2012 | $942 | $72,480 | $25,370 |
| 2011 | $948 | $72,480 | $25,370 |
| 2009 | $1,049 | $92,250 | $32,290 |
| 2008 | $1,016 | $92,250 | $32,290 |
| 2006 | $974 | $87,970 | $30,790 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-22 | Price Changed | $114,900 |
| 2025-10-28 | Listed | $124,900 |
Photo Gallery
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"County: Hardin",
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"Living Area Source: Public Records",
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"Roof: Shingle",
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{
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"assessment": {
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{
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{
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{
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{
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{
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{
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{
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{
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},
{
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"assessment": {
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},
{
"tax": 948,
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"total": 72480,
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"assessment": {
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},
{
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"assessment": {
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{
"tax": 1016,
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"assessment": {
"land": 1310,
"total": 32290,
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},
{
"tax": 974,
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"assessment": {
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}
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{
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},
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},
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},
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"min_score": 60.0,
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},
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/310-N-Market-St_Kenton_OH_43326_M48962-31876",
"bedroom_count": 4,
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"_utility_allowance": {
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],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "Property details specify 'Natural Gas' for heating. The allowance is selected from the 'natural_gas' option for a 4-bedroom unit.",
"utility": "heating",
"allowance": 95
},
{
"note": "A cooking range is not listed as a provided appliance. Natural Gas is chosen as the fuel type, consistent with the property's heating system.",
"utility": "cooking",
"allowance": 16
},
{
"note": "A water heater is provided. The allowance for tenant consumption is based on Natural Gas, inferred from the property's heating fuel.",
"utility": "water_heating",
"allowance": 42
},
{
"note": "This is a standard allowance for general electricity usage (lights, outlets) not covered by other specific utility categories.",
"utility": "other_electric",
"allowance": 50
},
{
"note": "The property has 'Central Air', but the provided utility schedule has no monetary allowance for this utility in any bedroom category.",
"utility": "air_conditioning",
"allowance": 0
},
{
"note": "Property details indicate a 'Public' water source and 'Water Connected', making this a standard tenant-paid utility.",
"utility": "water",
"allowance": 40
},
{
"note": "Property details specify 'Public Sewer' and 'Sewer Connected', making this a standard tenant-paid utility.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard service for a single-family home, which is typically paid by the tenant.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "A refrigerator is not explicitly listed as a provided appliance. This allowance covers the electricity cost for a tenant-owned appliance.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A range/stove is not explicitly listed as a provided appliance. This allowance covers the base electricity cost for a tenant-owned appliance.",
"utility": "range",
"allowance": 8
}
],
"cash_on_cash_return": 0.38,
"down_payment_amount": 22980.0,
"property_tax_annual": 1864.3,
"property_tax_monthly": 155.36,
"property_tax_increase": 0.03,
"utility_allowance_total": 330.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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"effective_date": "2025-12-01"
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"runs": [
{
"summary": "This 1954 single-family home is mostly structurally sound and cosmetically dated. Roof and exterior appear in good condition and interior shows intact original features (hardwood floors, built-ins). Primary inspection risks are missing/undocumented smoke/CO detectors, potential lack of GFCI protection, absence of a handrail on the front steps, unknown condition/operation of heating and water heater, and lead-paint potential due to age. With targeted safety updates (install detectors, add handrail, verify/upgrade GFCI and electrical), basic appliance provisioning, and routine cosmetic work, the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. If mechanicals (heating/water heater/electrical) prove nonfunctional, timeline and score drop substantially.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior is largely intact with original wood floors, built-ins and cabinetry; cosmetic wear is visible (worn hardwood, dated carpeting, wallpaper, old linoleum). Kitchen has a refrigerator but no visible stove/range in photos (moderate impact). Bathroom fixtures present but floor and finishes are aged; some rooms contain stored items. No severe visible structural damage inside (no collapsed ceilings or exposed subfloor). Overall mostly cosmetic and mid-level rehab items that are straightforward repairs or replacements (paint, floor cleaning/replace carpet, replace small fixtures/appliance installations)."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 55.0,
"rationale": "Visible safety concerns: no smoke detectors or CO detectors are visible in photos (required by NSPIRE/local codes), front entry steps lack a clear handrail (may be cited depending on riser count), GFCI at sink areas not visible (kitchen/bath likely need GFCI verification/upgrade), and kitchen fluorescent fixtures and outlets are older (potential electrical risk without verification). Windows appear large enough for bedroom egress but egress compliance not fully verifiable. No obvious active leaks, major mold, or severe peeling paint observed, but the home was built in 1954 so lead-paint risk exists and must be addressed. These are fixable but could cause inspection failure if not corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "Roof appears in good visual condition with recently replaced-looking shingles and intact chimney. Forced-air floor vents visible (suggesting central heating/air) and a window A/C unit present; however, no furnace/boiler or water heater are shown so operational status is unknown. Plumbing fixtures are present in kitchen and bath; no visible active leaks. Electrical panel not shown; wiring and GFCI protection are unknown and likely older based on fixture style. Systems show no obvious catastrophic failure in photos but require on-site verification and likely minor updates/servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior siding, trim and roof appear serviceable; attached garage and driveway provide needed parking. Driveway has some cracking and landscaping is overgrown/weedy but nothing indicating structural failure. Front porch steps and low retaining walls are intact but the lack of a handrail is a safety/code issue. No visible foundation movement, major drainage pooling, or exterior structural sagging in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos (required)",
"Front entry steps lack a visible handrail (potential code violation)",
"No visible proof of functional heating system or water heater in photos (must verify operational status before inspection)",
"Potential electrical deficiencies: older fluorescent fixtures, unknown GFCI protection at kitchen/bath",
"Pre-1978 construction — potential lead-based paint hazard (requires disclosure and possible remediation)"
],
"confidence": 0.6,
"assumptions": [
"No furnace/boiler or water heater is visible in photos; assume mechanicals are present in basement/utility area but require verification and service.",
"Window sizes seen in bedrooms provide adequate egress based on visual size; exact egress compliance not confirmed without measurements.",
"No obvious active roof leaks or major water intrusion observed in interior photos; assume roof is water-tight as it appears recently shingled.",
"Electrical panel and wiring are older but intact; assume circuits function but will require GFCI checks at kitchen and bathrooms.",
"Property was built in 1954 (pre-1978); assume lead-based paint hazard possible and that required disclosures/abatement planning will be necessary.",
"Missing range/stove in photos is a moderate rental readiness item; landlord can install or provide prior to move-in without structural work."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate inspection risk. Exterior and roof appear in decent condition and interior is structurally intact, but the property shows age-related deferred maintenance — dated kitchen/baths, worn finishes, missing or older appliances, and incomplete evidence of required safety items (smoke/CO detectors, GFCI). Major systems (furnace, water heater, electrical panel) are not shown and require verification. Likely to need 30–60 days of targeted work (install detectors/GFCIs, correct any active leak, replace/confirm heating system, minor carpentry/paint/flooring) before passing an HCV/NSPIRE initial inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs (cosmetic & deferred maintenance)",
"score": 60.0,
"rationale": "House is largely intact with original hardwoods and built-ins; visible wear and dated finishes throughout (carpeted bedrooms, worn linoleum, older cabinetry). Kitchen and bathrooms are dated and show cosmetic damage (bath floor coating worn, kitchen ceiling panels stained). No large areas of collapsed finishes visible. One appliance (refrigerator) is shown but no stove/range is visible in photos — missing/older appliances reduce readiness moderately. Overall repairs are mainly cosmetic and medium-scope rehab (floor refinishing, paint, kitchen/bath updates), not structural."
},
{
"key": "safety_code",
"label": "Safety / code risk (smoke/CO, egress, wiring, trip hazards)",
"score": 55.0,
"rationale": "No visible smoke detectors or CO alarms in the photos. Egress windows appear present in bedrooms (double-hung sizable windows). No obvious exposed wiring or open electrical boxes in photos; outlet covers generally present. GFCI outlets are not observed in kitchen/bath and likely absent given age of property. Small front steps have a handrail on one side but exterior railing/guard condition is marginal. There is visible staining/sagging of a kitchen ceiling panel that suggests past or possible water intrusion — needs investigation. Plumbing fixtures are present; hot water system not shown. These mixed observations create moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 50.0,
"rationale": "Roof covering appears recently replaced or in good visual condition from exterior photos (shingles look new). Heating/cooling equipment is not visible; a window AC unit is present in a window which suggests either no central AC or an older system; floor registers are visible indicating a forced-air or duct system but furnace and water heater locations are not shown. Electrical panel not photographed; fluorescent ceiling fixtures suggest older electrical components. Plumbing fixtures appear intact but water heater and sump/drainage systems are unverified. Given many system unknowns and likely age of services, this is a moderate systems risk requiring inspection and possible repairs or replacement."
},
{
"key": "exterior_site",
"label": "Exterior and site condition (siding, foundation, walkways, drainage)",
"score": 75.0,
"rationale": "Exterior envelope looks generally sound: siding intact, roof appears in good condition, attached garage present and driveway intact though showing minor cracking. Front steps and retaining wall show some mortar/brick wear and landscaping is overgrown but not hazardous. No visible standing water, major foundation displacement, or severe exterior deterioration in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in photos (required for pass).",
"Kitchen ceiling fluorescent panel shows staining/sagging — potential water intrusion to investigate.",
"No stove/range visible in photos (appliance missing) — will need to be provided prior to move-in."
],
"confidence": 0.6,
"assumptions": [
"No furnace or hot-water heater were visible in photos; assumption: heating system exists (floor registers visible) but age and operability unknown.",
"Electrical service/panel not photographed; assume original/older wiring given house age and fluorescent fixtures.",
"No smoke or CO detectors were visible in photos; assume none or not in required locations and will need installation.",
"Stained/shifted ceiling panel in kitchen indicates past water intrusion; assume condition requires further investigation but not a visible active collapse.",
"Only the refrigerator is pictured; assume there is no working stove/range present in the unit as of photos.",
"No evidence of severe foundation movement or major roof failure from exterior photo; assume structure is generally sound absent inspection findings."
],
"overall_score": 59.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 1954 single-family home appears structurally sound and is mostly cosmetic and system-verification work away from passing an initial HCV/NSPIRE inspection. The roof and exterior look good; interiors are dated with worn flooring and finishes but no visible structural collapse. Main inspection risks are missing/unknown smoke and CO detectors, likely absent GFCI in kitchen/bath, and lack of photographed HVAC/equipment and electrical panel. With targeted corrections (install/verify detectors, add GFCI outlets, verify HVAC/water heater/electrical, address bathroom floor repair, basic cleaning/paint) the property is likely rentable within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior is largely intact but dated. Hardwood floors are serviceable but have wear/stains in several rooms; carpeting in bedrooms is worn. Kitchen and bath fixtures appear functional but are older; kitchen has refrigerator but no visible stove/range (listing 'as-is'). Cosmetic upgrades (painting, flooring, fixture replacements) and minor carpentry will be needed. No obvious major structural damage visible in photos. Overall condition implies moderate, mostly cosmetic work."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (likely required). GFCI outlets are not evident in kitchen or bathroom photos. Floor registers and window egress appear present in many rooms; no visible loose/missing guardrails or severe trip hazards in images. No obvious exposed wiring photographed but electrical panel not shown. Bathroom floor shows a heavy coating/repair that could indicate prior water issues—needs verification. Given unknown detectors/GFCI and limited system visibility, moderate safety risk exists that will likely require remediation to meet NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Roof appears in good condition (shingles look recently replaced). Visible floor registers suggest forced-air heating but HVAC equipment, furnace and water heater are not shown. Plumbing fixtures (kitchen double sink, bath tub/shower) present; function not verified. Electrical panel and service condition unknown. Because key system equipment is not photographed, assume average condition but plan for inspection and likely minor repairs/updates."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "House exterior siding and brick porch base appear intact; roof looks recently replaced and chimney appears sound. Driveway has cracking and minor settling; front retaining wall and steps show some mortar/brick wear and overgrown planting beds. Attached garage is present and appears serviceable. Yard maintenance and driveway repairs recommended but no major envelope failures visible."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or CO alarms are installed (none visible in photos) — recommend installation to meet NSPIRE.",
"Forced-air HVAC likely exists (floor registers visible) and is functional, but furnace/AC unit were not photographed and require verification/service.",
"Water heater and main electrical panel are present but not photographed; assume functional but inspection and possible repairs required.",
"Kitchen currently has a refrigerator (shown) but no visible range/stove; assume buyer/owner will install/verify appliance connections prior to move-in.",
"No active roof leak or structural sagging inferred because roof and ceilings shown appear intact; some ceiling tile discoloration in kitchen may indicate prior minor leak that was repaired or cosmetic staining.",
"No obvious severe mold, active standing water, collapsed ceilings, or exposed subfloor observed in photos.",
"Home was built in 1954 — potential lead-based paint risk exists; assume typical pre-1978 lead hazards until tested or remediated.",
"Electrical receptacles in kitchen/bath likely are not GFCI-protected based on visible outlet styles; assume GFCI upgrades will be required."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "310 N Market St, Kenton, OH, 43326",
"aggregate": {
"summary": "This 1954 single-family home is mostly structurally sound and cosmetically dated. Roof and exterior appear in good condition and interior shows intact original features (hardwood floors, built-ins). Primary inspection risks are missing/undocumented smoke/CO detectors, potential lack of GFCI protection, absence of a handrail on the front steps, unknown condition/operation of heating and water heater, and lead-paint potential due to age. With targeted safety updates (install detectors, add handrail, verify/upgrade GFCI and electrical), basic appliance provisioning, and routine cosmetic work, the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. If mechanicals (heating/water heater/electrical) prove nonfunctional, timeline and score drop substantially.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior is largely intact with original wood floors, built-ins and cabinetry; cosmetic wear is visible (worn hardwood, dated carpeting, wallpaper, old linoleum). Kitchen has a refrigerator but no visible stove/range in photos (moderate impact). Bathroom fixtures present but floor and finishes are aged; some rooms contain stored items. No severe visible structural damage inside (no collapsed ceilings or exposed subfloor). Overall mostly cosmetic and mid-level rehab items that are straightforward repairs or replacements (paint, floor cleaning/replace carpet, replace small fixtures/appliance installations)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior siding, trim and roof appear serviceable; attached garage and driveway provide needed parking. Driveway has some cracking and landscaping is overgrown/weedy but nothing indicating structural failure. Front porch steps and low retaining walls are intact but the lack of a handrail is a safety/code issue. No visible foundation movement, major drainage pooling, or exterior structural sagging in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 55.0,
"rationale": "Visible safety concerns: no smoke detectors or CO detectors are visible in photos (required by NSPIRE/local codes), front entry steps lack a clear handrail (may be cited depending on riser count), GFCI at sink areas not visible (kitchen/bath likely need GFCI verification/upgrade), and kitchen fluorescent fixtures and outlets are older (potential electrical risk without verification). Windows appear large enough for bedroom egress but egress compliance not fully verifiable. No obvious active leaks, major mold, or severe peeling paint observed, but the home was built in 1954 so lead-paint risk exists and must be addressed. These are fixable but could cause inspection failure if not corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 58.3,
"rationale": "Roof appears in good visual condition with recently replaced-looking shingles and intact chimney. Forced-air floor vents visible (suggesting central heating/air) and a window A/C unit present; however, no furnace/boiler or water heater are shown so operational status is unknown. Plumbing fixtures are present in kitchen and bath; no visible active leaks. Electrical panel not shown; wiring and GFCI protection are unknown and likely older based on fixture style. Systems show no obvious catastrophic failure in photos but require on-site verification and likely minor updates/servicing."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos (required)",
"Front entry steps lack a visible handrail (potential code violation)",
"No visible proof of functional heating system or water heater in photos (must verify operational status before inspection)",
"Potential electrical deficiencies: older fluorescent fixtures, unknown GFCI protection at kitchen/bath",
"Pre-1978 construction — potential lead-based paint hazard (requires disclosure and possible remediation)"
],
"confidence": 0.86,
"assumptions": [
"No furnace/boiler or water heater is visible in photos; assume mechanicals are present in basement/utility area but require verification and service.",
"Window sizes seen in bedrooms provide adequate egress based on visual size; exact egress compliance not confirmed without measurements.",
"No obvious active roof leaks or major water intrusion observed in interior photos; assume roof is water-tight as it appears recently shingled.",
"Electrical panel and wiring are older but intact; assume circuits function but will require GFCI checks at kitchen and bathrooms.",
"Property was built in 1954 (pre-1978); assume lead-based paint hazard possible and that required disclosures/abatement planning will be necessary.",
"Missing range/stove in photos is a moderate rental readiness item; landlord can install or provide prior to move-in without structural work."
],
"score_method": "mean_of_criteria",
"overall_score": 62.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4896231876"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.