Property ID: 4899128653
203 W Rice St, Continental, OH, 45831
Continental, OH
Money Down: $40,776
CoC Return: -5.63%
Monthly Cash Flow: $-191
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,980
Closing Costs
$6,796
Total Down
$40,776
Investment Snapshot
Purchase Price
$169,900
Money Down
$40,776
Cash-on-Cash Return
-5.63%
Rent
$987
Monthly Cash Flow
$-191
Annual Cash Flow
$-2,294
Debt Service / Mo
$904
Property Tax / Mo
$128
Insurance / Mo
$47
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$987
Payment Standard
$1,263
Rent
$987
Insurance
$47
Property Tax
$128
Management
$99
Utilities Allowance
$276
NOI (Monthly)
$713
Debt Service
$904
Cash Flow After Debt
$-191
Quality Score: 70.10%
Confidence: 94.00%
This single-level ranch presents as a mostly rent-ready property with primarily cosmetic and verification items to resolve for an initial Section 8/NSPIRE inspection. Interiors are clean and accessible (grab bars, single-level living), appliances are present, and the exterior/site is in good condition. Primary inspection risks are lack of visible smoke/CO detectors, unclear GFCI protection, unshown electrical panel and major mechanical equipment (furnace/water heater/AC), and a visible dark strip on the roof under snow that may indicate shingle wear or prior leak. With quick verification and minor corrections (install/verify detectors, GFCI outlets if needed, address any small roof repairs), this property is likely to pass within 1-4 weeks.
Section 8 Payment Standard
$1,263
Utility Allowance Total
$276
Guaranteed Section 8 Rent (PS - Utilities)
$987
Property Management
$99
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$169,900
Beds
3
Baths
2
Living Area
1,344 sqft
Lot Size
7,588 sqft
Year Built
1971
Days on Market
64
Capital Outlay
$40,776
Debt Service
$904
Property Tax / Mo
$128
Insurance / Mo
$47
Property Description
This handicap-accessible ranch-style home offers effortless single-level living in a quiet, well-established neighborhood. Highlights include an enclosed porch, 2-car garage, generous storage, and plenty of off-street parking. The functional layout is ideal for comfort and accessibility, while the nearby park and easy downtown access provide excellent lifestyle convenience. A rare opportunity for low-maintenance living in a desirable location.
Utility Allowances
Heating
$82
Selected 'Electric' as the property details specify 'Ceiling' and 'Radiant' heating systems, which are electric.
Cooking
$13
Selected 'Electric' as the property details explicitly list 'Electric Range' under appliances.
Water Heating
$41
Fuel type for the 'Water Heater' was not specified. Inferred as 'Electric' for consistency with the electric heating and cooking systems.
Water
$32
The property is connected to a 'Public' water source.
Sewer
$36
The property is connected to a 'Public Sewer' system.
Trash Collection
$25
Trash collection is a standard utility for a single-family home and is included as per the schedule.
Other Electric
$39
This is a standard fixed allowance for general electricity usage like lights and outlets, based on the unit's bedroom count.
Refrigerator
$8
A refrigerator is not listed as a landlord-provided appliance, so this allowance for a tenant-owned unit is included.
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$556
DP3 Annual Estimate$581
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$48
Replacement Value$105,000
Basis1,344 sqft / 1971
Nearby Houses
Photo unavailable
Address unavailable
sold · 0.01 mi
Price: $20,000
3 bd / 1 ba · 912 sqft
Latest sale: $20,000
Latest rent: —
Photo unavailable
205 W Forest St
sold · 0.08 mi
Price: $165,000
3 bd / 2 ba · 1,266 sqft
Latest sale: $165,000
Latest rent: —
Photo unavailable
103 W Forrest St
sold · 0.10 mi
Price: $108,200
2 bd / 1 ba · 768 sqft
Latest sale: $108,200 on Aug 23, 2024
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.10 mi
Price: $65,000
3 bd / 2 ba · 912 sqft
Latest sale: $65,000
Latest rent: —
Photo unavailable
301 W Forrest St
for_sale · 0.11 mi
Price: $135,000
4 bd / 2 ba · 1,732 sqft
Latest sale: $68,000
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 living/bedroom approach photos — must verify and install if absent.
- Visible dark strip / thin snow coverage on roof suggests deteriorated or missing shingles and potential leak risk — recommend roof inspection and repairs.
- Key mechanical components not shown: electrical panel, water heater, and central HVAC/furnace condition unknown — these must be verified prior to inspection.
Assumptions
- Smoke and carbon monoxide detectors may exist but are not shown; absence in photos treated as 'unverified' and a compliance risk.
- Heating appears to be electric baseboard (visible in bathroom); no central furnace/AC units were shown so their presence/condition is unknown.
- Electrical panel location and condition are not shown; assume a standard panel exists but its condition and presence of AFCI/GFCI protection must be verified.
- Dark/black strip on roof visible beneath snow indicates either older shingles or cleared snow pattern; assumed to represent some shingle wear or thin coverage rather than catastrophic failure.
- Appliances pictured are assumed to be included and operational unless otherwise noted; missing appliance(s) would be considered a moderate repair item but not an immediate fail.
- Listing statement about handicap-accessible features (enclosed porch, single-level living, grab bars) is assumed accurate based on photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,489 | $111,310 | $38,960 |
| 2023 | $1,523 | $111,310 | $38,960 |
| 2022 | $1,474 | $85,430 | $29,900 |
| 2021 | $1,479 | $85,430 | $29,900 |
| 2020 | $1,504 | $85,430 | $29,900 |
| 2019 | $1,299 | $76,140 | $26,650 |
| 2018 | $1,258 | $76,140 | $26,650 |
| 2017 | $1,268 | $76,140 | $26,650 |
| 2016 | $1,089 | $67,830 | $23,740 |
| 2015 | $1,094 | $67,830 | $23,740 |
| 2014 | $1,066 | $67,830 | $23,740 |
| 2013 | $1,637 | $67,830 | $23,740 |
| 2012 | $1,626 | $67,830 | $23,740 |
| 2011 | $1,626 | $67,830 | $23,740 |
| 2010 | $1,779 | $74,110 | $25,940 |
| 2009 | $1,773 | $74,110 | $25,940 |
| 2008 | $1,745 | $74,110 | $25,940 |
| 2006 | $1,696 | $72,110 | $25,240 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-18 | Price Changed | $169,900 |
| 2026-02-04 | Listed | $175,000 |
| 2007-07-24 | Sold | $72,500 |
Photo Gallery
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"min_score": 60.0,
"overall_score": 70.1
},
"utility_allowance": {
"zip_code": "45831",
"home_photo": "https://ap.rdcpix.com/56209e66395af6f95c157b740958f5b8l-m2471138550s-w1280.jpg",
"rent_price": 987.0,
"loan_amount": 135920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/203-W-Rice-St_Continental_OH_45831_M48991-28653",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 169900.0,
"loan_term_years": 30,
"annual_cash_flow": 8557.43,
"mortgage_monthly": 904.28,
"payment_standard": 1263.0,
"total_amount_out": 33980.0,
"additional_photos": [
"https://ap.rdcpix.com/56209e66395af6f95c157b740958f5b8l-m2415474007s-w1280.jpg",
"https://ap.rdcpix.com/56209e66395af6f95c157b740958f5b8l-m3786108744s-w1280.jpg",
"https://ap.rdcpix.com/56209e66395af6f95c157b740958f5b8l-m3269167140s-w1280.jpg",
"https://ap.rdcpix.com/56209e66395af6f95c157b740958f5b8l-m2892791718s-w1280.jpg",
"https://ap.rdcpix.com/56209e66395af6f95c157b740958f5b8l-m2635574357s-w1280.jpg",
"https://ap.rdcpix.com/56209e66395af6f95c157b740958f5b8l-m483856293s-w1280.jpg",
"https://ap.rdcpix.com/56209e66395af6f95c157b740958f5b8l-m3228639655s-w1280.jpg",
"https://ap.rdcpix.com/56209e66395af6f95c157b740958f5b8l-m225618871s-w1280.jpg",
"https://ap.rdcpix.com/56209e66395af6f95c157b740958f5b8l-m290646732s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 47.38,
"monthly_cash_flow": 713.12,
"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": "Selected 'Electric' as the property details specify 'Ceiling' and 'Radiant' heating systems, which are electric.",
"utility": "Heating",
"allowance": 82
},
{
"note": "Selected 'Electric' as the property details explicitly list 'Electric Range' under appliances.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Fuel type for the 'Water Heater' was not specified. Inferred as 'Electric' for consistency with the electric heating and cooking systems.",
"utility": "Water Heating",
"allowance": 41
},
{
"note": "The property is connected to a 'Public' water source.",
"utility": "Water",
"allowance": 32
},
{
"note": "The property is connected to a 'Public Sewer' system.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "Trash collection is a standard utility for a single-family home and is included as per the schedule.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "This is a standard fixed allowance for general electricity usage like lights and outlets, based on the unit's bedroom count.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "A refrigerator is not listed as a landlord-provided appliance, so this allowance for a tenant-owned unit is included.",
"utility": "Refrigerator",
"allowance": 8
}
],
"cash_on_cash_return": 0.25,
"down_payment_amount": 33980.0,
"property_tax_annual": 1533.67,
"property_tax_monthly": 127.81,
"property_tax_increase": 0.03,
"utility_allowance_total": 276.0,
"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": 2024,
"annual_cash_flow_after_debt": -2293.92,
"property_management_monthly": 98.7,
"monthly_cash_flow_after_debt": -191.16,
"cash_on_cash_return_after_debt": -0.07
},
"section8_assessment": {
"runs": [
{
"summary": "This single-level ranch presents as a mostly rent-ready property with primarily cosmetic and verification items to resolve for an initial Section 8/NSPIRE inspection. Interiors are clean and accessible (grab bars, single-level living), appliances are present, and the exterior/site is in good condition. Primary inspection risks are lack of visible smoke/CO detectors, unclear GFCI protection, unshown electrical panel and major mechanical equipment (furnace/water heater/AC), and a visible dark strip on the roof under snow that may indicate shingle wear or prior leak. With quick verification and minor corrections (install/verify detectors, GFCI outlets if needed, address any small roof repairs), this property is likely to pass within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears clean and well maintained with cosmetic / finish-age issues only: older carpet, dated wallpaper/curtains, and kitchen cabinet wear. Appliances (range, microwave, dishwasher, washer/dryer) are present in photos though dishwasher shows some cabinet-side damage; that is a repair/cosmetic item rather than a safety failure. No obvious water stains, major drywall damage, or collapsed ceilings. Overall ready with minor cosmetic and appliance-cabinet repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No exposed wiring or visible trip hazards in photos; bathroom has grab bars which is positive for accessibility. However, smoke detectors and carbon monoxide alarms are not visible in photos (inspectors require functioning smoke detectors in hallways/near sleeping areas and CO alarms where applicable). GFCI protection at kitchen counters is not clearly visible. Entry door appears to have a lock but deadbolt presence is not confirmed. Roof shows a dark strip / melt area that suggests worn shingles or potential leak risk. These unknowns produce moderate NSPIRE risk that will need verification or quick fixes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Major systems are not shown directly. Laundry appliances and a dryer are present; kitchen appliances appear functional. Heating appears to be electric baseboard (visible in bathroom) which likely provides heat but no central furnace or HVAC unit is pictured. Water heater, electrical panel, and ventilation/AC are not visible for assessment. Roof shows possible worn area under snow — potential for future leak. Because key system components are unverified, this category carries moderate risk pending mechanical inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior photos show an intact siding envelope, level site, paved driveway with ample off-street parking, and a two-car garage. Walkways and driveway appear serviceable (snow-covered but cleared in part). No visible ponding, foundation cracks, or severe exterior deterioration. Mature trees present but not showing immediate hazard in photos. Overall exterior condition appears sound with routine maintenance likely required."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in living/bedroom approach photos — must verify and install if absent.",
"Visible dark strip / thin snow coverage on roof suggests deteriorated or missing shingles and potential leak risk — recommend roof inspection and repairs.",
"Key mechanical components not shown: electrical panel, water heater, and central HVAC/furnace condition unknown — these must be verified prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Smoke and carbon monoxide detectors may exist but are not shown; absence in photos treated as 'unverified' and a compliance risk.",
"Heating appears to be electric baseboard (visible in bathroom); no central furnace/AC units were shown so their presence/condition is unknown.",
"Electrical panel location and condition are not shown; assume a standard panel exists but its condition and presence of AFCI/GFCI protection must be verified.",
"Dark/black strip on roof visible beneath snow indicates either older shingles or cleared snow pattern; assumed to represent some shingle wear or thin coverage rather than catastrophic failure.",
"Appliances pictured are assumed to be included and operational unless otherwise noted; missing appliance(s) would be considered a moderate repair item but not an immediate fail.",
"Listing statement about handicap-accessible features (enclosed porch, single-level living, grab bars) is assumed accurate based on photos."
],
"overall_score": 70.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "This single-level ranch presents as generally well maintained and would likely pass most NSPIRE checks after performing a short list of minor, quick repairs. Interiors are clean and serviceable with most appliances present; accessibility features (grab bar) are positive. Primary inspection risks are: no visible smoke/CO detectors (likely required), uncertain GFCI protection at the kitchen sink, and a visible dark patch on the roof under snow that could indicate missing shingles or a localized leak. Major structural or life-safety failures are not apparent from photos, so the property is rated 'minor repairs; likely rent-ready within 30 days' but will require verification of smoke/CO detectors, GFCI outlets, and confirmation of functional heating, water heater, and serviceable roof prior to leasing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 78.0,
"rationale": "Interior photos show generally clean, intact finishes: walls and ceilings appear in good repair, carpets and trim are serviceable though dated. Kitchen cabinets and counters are intact; electric range, over‑the‑range microwave and dishwasher are present (dishwasher appears partially recessed). Laundry machines are present in the utility room. No collapsed ceilings, major drywall damage, or exposed subflooring are visible. Cosmetic updates (carpet replacement, cabinet refresh, wallpaper removal) are likely but are easy-to-fix, capital-only items. Missing refrigerator is not shown and should be confirmed; if missing that is a moderate reduction but not an inspection-failing condition by itself."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 62.0,
"rationale": "No active life‑threatening hazards are visible (no collapsed ceilings, open electrical splices, standing water, or major structural sag). Accessibility features (grab bar by toilet) are present which is positive. However, smoke detectors and carbon monoxide detectors are not visible in any room photos; HUD/NSPIRE inspections commonly fail if smoke detectors are missing or not properly located. GFCI protection for kitchen counters is not visible in photos (outlet near sink not shown as GFCI). The front door appears to have a deadbolt/electronic lock. The roof shows a dark/abnormal patch under the snow that could indicate missing shingles or an area that may leak (inspection risk). Because critical life-safety devices are not viewable in photos and the roof shows a potential localized issue, safety risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical)",
"score": 60.0,
"rationale": "Major systems are not directly photographed (furnace, water heater, electrical panel not shown). The bathroom shows electric baseboard heat along the bath wall, indicating heat exists in at least that zone. Laundry hookups and functioning washer/dryer are present. Kitchen appliances appear electric. No visible signs of active leaks or water damage inside. Roof snow pattern shows a darker area that may indicate missing shingles or localized roof wear — potential for water intrusion if unaddressed. Because critical equipment (furnace/boiler, water heater, electrical panel) could not be verified, systems receive a conservative mid-range score reflecting likely serviceable condition but some unknowns that could require repair or replacement after formal inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior siding appears intact and the driveway/2-car garage are in good condition and accessible. The property has an enclosed porch and ample off-street parking as advertised. Snow covers some details, but no visible foundation cracking, major siding failure, or standing surface water is apparent. A large mature tree is close to the house which could create long-term root or gutter/debris concerns, and the roof shows a dark patch (possible shingle damage) under snow — warrants closer roof inspection. Overall the yard and site look well maintained and not actively hazardous."
}
],
"red_flags": [
"Potential roof damage/abnormal dark patch visible under snow — possible missing shingles and leak risk (requires roof inspection/repair).",
"No visible smoke detectors or carbon monoxide alarms in photos — likely immediate inspection failure if absent or improperly located.",
"No clearly visible GFCI-protected outlet at the kitchen sink area in photos — may require installation to meet code/NSPIRE."
],
"confidence": 0.65,
"assumptions": [
"Photos are representative of the whole unit; bedrooms not shown are assumed to be similar condition as living areas.",
"Heating exists and is functional (electric baseboard visible in bathroom); a central furnace or additional heat sources are present but were not photographed and should be verified.",
"Water heater and electrical service/panel are present and operational (not photographed).",
"Refrigerator is not visible in the listing photos; assume it may be missing or removed and should be confirmed as included and operational.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and are assumed to be missing until confirmed; these would be required for passing NSPIRE.",
"GFCI protection at kitchen and bathroom outlets is not visible in photos and should be verified/installed if absent.",
"The dark patch on the roof under snow likely indicates missing/damaged shingles or a heat/ice imprint; a rooftop inspection is assumed necessary to determine actual leak risk."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this single‑level ranch appears livable with mostly cosmetic and low-to-moderate repairs needed. The property is likely to pass an initial HCV/NSPIRE inspection after verifying/adding smoke & CO detectors, confirming GFCI outlets and electrical panel condition, and addressing a localized area of roof wear. Expect minor repairs and documentation/verification tasks; rentable within ~2–4 weeks if systems test OK.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears clean and well maintained with intact walls/ceilings and usable finishes. Carpets and fixtures are dated but serviceable. Kitchen appliances (range, microwave, dishwasher) are present; refrigerator is not shown which reduces readiness slightly. Minor cosmetic updates (carpet replacement, cabinet touch-up, dishwasher lower panel repair) likely required but no major deferred maintenance visible inside."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 65.0,
"rationale": "No obvious electrical hazards, loose handrails, collapsed ceilings, or severe water damage visible. Entry door has a secure lock. Grab bar visible in bathroom (accessibility). However smoke and carbon-monoxide detectors are not visible in listing photos (must be verified/installed). GFCI protection at kitchen/bath outlets not visible and must be confirmed. Egress windows for bedrooms are not verifiable from photos. These unknowns reduce the safety score despite generally tidy condition."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 65.0,
"rationale": "Kitchen and laundry plumbing fixtures and appliances are present and look functional. Washer/dryer present. Heating appears to be electric baseboard (visible in bathroom) — no visible central HVAC/air handler in photos (may exist elsewhere). Roof shows a dark worn strip/patch on the front slope suggesting localized shingle wear or previous repair and should be inspected further. Water heater and electrical panel were not shown; their condition is unknown. Overall systems appear functional but several key items require verification or minor repair."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Well-kept single-story ranch with two-car garage, paved driveway and adequate off-street parking. Siding, foundation line and yard appear in good condition (snow-covered yard but no visible erosion or standing water). Large mature trees close to the house present a maintenance risk (limbs/roots) but yard and walkways look serviceable. Enclosed porch and garage access are positives for tenant use."
}
],
"red_flags": [
"No visible smoke and carbon-monoxide detectors in listing photos — must be installed/verified before/at inspection.",
"Localized roof wear/possible missing shingles on front slope (dark strip) — needs inspection and likely repair to avoid leaks.",
"Large mature trees immediately adjacent to house/roof — increased risk of limb damage and blocked gutters; recommend trimming or mitigation."
],
"confidence": 0.65,
"assumptions": [
"Appliances shown (range, microwave, dishwasher, washer, dryer) are functional; refrigerator is either not present in photos or not provided and will need confirmation or supply.",
"Heating is provided by electric baseboard heating (visible) and is operational; a central HVAC unit (AC) is not evident in photos and is not required for pass but tenant comfort may need verification.",
"Water heater and electrical service/panel exist and are intact but were not photographed; their condition is assumed serviceable unless inspection finds otherwise.",
"Smoke and CO detectors are not visible in photos and therefore assumed missing or not shown — installation/verification will likely be required.",
"No active interior leaks, major mold, structural sagging, or collapsed ceilings are present based on photos; any localized issues not pictured may exist and would change the assessment.",
"Exterior areas covered by snow could conceal minor issues (walkway tripping hazards, roof condition details) that will need in-person verification when clear."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-v1-photo-assessment-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "203 W Rice St, Continental, OH, 45831",
"aggregate": {
"summary": "This single-level ranch presents as a mostly rent-ready property with primarily cosmetic and verification items to resolve for an initial Section 8/NSPIRE inspection. Interiors are clean and accessible (grab bars, single-level living), appliances are present, and the exterior/site is in good condition. Primary inspection risks are lack of visible smoke/CO detectors, unclear GFCI protection, unshown electrical panel and major mechanical equipment (furnace/water heater/AC), and a visible dark strip on the roof under snow that may indicate shingle wear or prior leak. With quick verification and minor corrections (install/verify detectors, GFCI outlets if needed, address any small roof repairs), this property is likely to pass within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Interior appears clean and well maintained with cosmetic / finish-age issues only: older carpet, dated wallpaper/curtains, and kitchen cabinet wear. Appliances (range, microwave, dishwasher, washer/dryer) are present in photos though dishwasher shows some cabinet-side damage; that is a repair/cosmetic item rather than a safety failure. No obvious water stains, major drywall damage, or collapsed ceilings. Overall ready with minor cosmetic and appliance-cabinet repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior photos show an intact siding envelope, level site, paved driveway with ample off-street parking, and a two-car garage. Walkways and driveway appear serviceable (snow-covered but cleared in part). No visible ponding, foundation cracks, or severe exterior deterioration. Mature trees present but not showing immediate hazard in photos. Overall exterior condition appears sound with routine maintenance likely required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 64.0,
"rationale": "No exposed wiring or visible trip hazards in photos; bathroom has grab bars which is positive for accessibility. However, smoke detectors and carbon monoxide alarms are not visible in photos (inspectors require functioning smoke detectors in hallways/near sleeping areas and CO alarms where applicable). GFCI protection at kitchen counters is not clearly visible. Entry door appears to have a lock but deadbolt presence is not confirmed. Roof shows a dark strip / melt area that suggests worn shingles or potential leak risk. These unknowns produce moderate NSPIRE risk that will need verification or quick fixes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 61.7,
"rationale": "Major systems are not shown directly. Laundry appliances and a dryer are present; kitchen appliances appear functional. Heating appears to be electric baseboard (visible in bathroom) which likely provides heat but no central furnace or HVAC unit is pictured. Water heater, electrical panel, and ventilation/AC are not visible for assessment. Roof shows possible worn area under snow — potential for future leak. Because key system components are unverified, this category carries moderate risk pending mechanical inspection."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in living/bedroom approach photos — must verify and install if absent.",
"Visible dark strip / thin snow coverage on roof suggests deteriorated or missing shingles and potential leak risk — recommend roof inspection and repairs.",
"Key mechanical components not shown: electrical panel, water heater, and central HVAC/furnace condition unknown — these must be verified prior to inspection."
],
"confidence": 0.94,
"assumptions": [
"Smoke and carbon monoxide detectors may exist but are not shown; absence in photos treated as 'unverified' and a compliance risk.",
"Heating appears to be electric baseboard (visible in bathroom); no central furnace/AC units were shown so their presence/condition is unknown.",
"Electrical panel location and condition are not shown; assume a standard panel exists but its condition and presence of AFCI/GFCI protection must be verified.",
"Dark/black strip on roof visible beneath snow indicates either older shingles or cleared snow pattern; assumed to represent some shingle wear or thin coverage rather than catastrophic failure.",
"Appliances pictured are assumed to be included and operational unless otherwise noted; missing appliance(s) would be considered a moderate repair item but not an immediate fail.",
"Listing statement about handicap-accessible features (enclosed porch, single-level living, grab bars) is assumed accurate based on photos."
],
"score_method": "mean_of_criteria",
"overall_score": 70.1,
"rubric_version": "2026-02-24-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4899128653"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.