Property ID: 4901364610
301 W Forrest St, Continental, OH, 45831
Continental, OH
Money Down: $32,400
CoC Return: 2.65%
Monthly Cash Flow: $72
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$27,000
Closing Costs
$5,400
Total Down
$32,400
Investment Snapshot
Purchase Price
$135,000
Money Down
$32,400
Cash-on-Cash Return
2.65%
Rent
$1,044
Monthly Cash Flow
$72
Annual Cash Flow
$858
Debt Service / Mo
$719
Property Tax / Mo
$100
Insurance / Mo
$50
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,044
Payment Standard
$1,394
Rent
$1,044
Insurance
$50
Property Tax
$100
Management
$104
Utilities Allowance
$350
NOI (Monthly)
$790
Debt Service
$719
Cash Flow After Debt
$72
Quality Score: 75.90%
Confidence: 94.00%
This 4BR/2BA single-family home appears largely renovated and cosmetically move-in ready. Exterior siding, roof, windows, interior finishes and kitchen appliances look updated. There are no visible life‑threatening hazards in the photos, and an HVAC condenser is present. The most likely issues on an initial HCV/NSPIRE inspection are missing or unverified items (smoke/CO detectors, GFCI outlets, electrical panel labeling, hot-water availability and bathroom fixtures) and some minor exterior maintenance (driveway cracks, downspout routing, weathered shed). With routine verification and a short list of minor fixes/confirmations the property is likely to pass an initial Section 8 inspection; expect a few verifications or small repairs prior to final approval.
Section 8 Payment Standard
$1,394
Utility Allowance Total
$350
Guaranteed Section 8 Rent (PS - Utilities)
$1,044
Property Management
$104
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$135,000
Beds
4
Baths
2
Living Area
1,732 sqft
Lot Size
18,295 sqft
Year Built
1940
Days on Market
241
Capital Outlay
$32,400
Debt Service
$719
Property Tax / Mo
$100
Insurance / Mo
$50
Property Description
This 1732 SF Fannie Mae house was built in 1940 and boasts 4 bedrooms, 2 FULL bathrooms PLUS, it is sitting on a sizeable .42 acre corner lot. Numerous updates have been made throughout this home making it move in ready. This is one GEM you won't want to miss!
Utility Allowances
air_conditioning
$0
Property has Central Air, but the allowance schedule provides a null value for this utility for all bedroom counts.
cooking
$17
Selected 'electric' for cooking to be consistent with the property's 'Electrical' heating system. The 4-bedroom allowance is $17.
heating
$104
Selected 'electric' heating based on property details stating 'Heating Features: Electrical'. The 4-bedroom allowance is $104.
other_electric
$50
Included as a standard utility for any residence with electric service. The 4-bedroom allowance is $50.
range
$8
The range/stove is assumed to be tenant-owned as it is not listed as a provided appliance in the property's text details. The 4-bedroom allowance is $8.
refrigerator
$8
The refrigerator is assumed to be tenant-owned as it is not mentioned in the property's provided appliances list. The 4-bedroom allowance is $8.
sewer
$46
Property details explicitly state 'Sewer: Public Sewer'. The 4-bedroom allowance is $46.
trash_collection
$25
Trash collection is a standard service for single-family homes and is included based on common practice. The 4-bedroom allowance is $25.
water
$40
Property details explicitly state 'Water Source: Public'. The 4-bedroom allowance is $40.
water_heating
$52
Selected 'electric' for water heating as property details specify 'Water Heater-Electric'. The 4-bedroom allowance is $52.
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$587
DP3 Annual Estimate$613
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$51
Replacement Value$73,890
Basis1,732 sqft / 1940
Nearby Houses
Photo unavailable
307 W Forrest St
sold · 0.03 mi
Price: $250,000
4 bd / 2 ba · 2,638 sqft
Latest sale: $250,000 on Oct 31, 2024
Latest rent: —
Photo unavailable
205 W Forest St
sold · 0.05 mi
Price: $165,000
3 bd / 2 ba · 1,266 sqft
Latest sale: $165,000
Latest rent: —
Photo unavailable
307 W Grove St
sold · 0.08 mi
Price: $117,000
3 bd / 2 ba · 1,456 sqft
Latest sale: $117,000 on Jul 15, 2022
Latest rent: —
Photo unavailable
203 W Rice St
for_sale · 0.11 mi
Price: $169,900
3 bd / 2 ba · 1,344 sqft
Latest sale: $72,500
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.11 mi
Price: $20,000
3 bd / 1 ba · 912 sqft
Latest sale: $20,000
Latest rent: —
Photo unavailable
108 W Forrest St
sold · 0.12 mi
Price: $128,640
3 bd / 1 ba · 1,929 sqft
Latest sale: $128,640 on Mar 24, 2025
Latest rent: —
Photo unavailable
108 Forrest St
sold · 0.12 mi
Price: $128,640
3 bd / 1 ba · 1,829 sqft
Latest sale: $128,640 on Mar 24, 2025
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.12 mi
Price: $70,000
3 bd / 3 ba · 1,820 sqft
Latest sale: $70,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos represent the full extent of major living areas; bathrooms and mechanical closets were not shown.
- HVAC is operational because a central condenser unit is present and interior ceiling vents are visible.
- Water heater, electrical panel, smoke detectors, and carbon monoxide alarms exist but were not photographed; their absence would reduce safety score and require correction prior to inspection.
- Kitchen appliances shown are present and connected; missing small items (e.g., outlet covers, GFCI devices) can be installed quickly.
- No active roof leaks or major hidden structural issues are present since roof and foundation appear sound in exterior photos; however hidden issues cannot be ruled out without interior attic/crawlspace inspection.
- Trees near the house have not caused visible structural damage, but root/leaf impacts are possible and may require routine maintenance.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,160 | $84,630 | $29,620 |
| 2023 | $1,162 | $84,630 | $29,620 |
| 2022 | $1,125 | $65,000 | $22,750 |
| 2021 | $1,129 | $65,000 | $22,750 |
| 2020 | $1,148 | $65,000 | $22,750 |
| 2019 | $1,001 | $58,460 | $20,460 |
| 2018 | $969 | $58,460 | $20,460 |
| 2017 | $977 | $58,460 | $20,460 |
| 2016 | $765 | $47,400 | $16,590 |
| 2015 | $769 | $47,400 | $16,590 |
| 2014 | $745 | $47,400 | $16,590 |
| 2013 | $1,144 | $47,400 | $16,590 |
| 2012 | $1,136 | $47,400 | $16,590 |
| 2011 | $1,136 | $47,400 | $16,590 |
| 2010 | $1,203 | $50,120 | $17,540 |
| 2009 | $1,198 | $50,120 | $17,540 |
| 2008 | $1,180 | $50,120 | $17,540 |
| 2006 | $1,149 | $48,890 | $17,110 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-23 | Price Changed | $135,000 |
| 2026-02-23 | Price Changed | $135,000 |
| 2026-01-14 | Price Changed | $149,900 |
| 2026-01-14 | Price Changed | $149,900 |
| 2026-01-05 | Price Changed | $159,500 |
| 2026-01-05 | Price Changed | $159,500 |
| 2025-12-05 | Price Changed | $168,500 |
| 2025-12-05 | Price Changed | $168,500 |
| 2025-11-05 | Price Changed | $176,500 |
| 2025-11-05 | Price Changed | $176,500 |
| 2025-10-07 | Price Changed | $185,500 |
| 2025-10-07 | Price Changed | $185,500 |
| 2025-09-08 | Price Changed | $195,000 |
| 2025-09-08 | Price Changed | $195,000 |
| 2025-08-11 | Listed | $205,000 |
| 2025-08-11 | Listed | $205,000 |
| 2000-10-17 | Sold | $68,000 |
Photo Gallery
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"last_update_date": "2026-02-23T23:14:47Z",
"last_status_change_date": "2026-01-30T22:22:31Z"
},
"event_name": "Listed",
"price_sqft": 118.36027713625866,
"source_name": "Mansfield",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "9067925",
"price_change_percentage": null
},
{
"date": "2000-10-17",
"price": 68000,
"listing": null,
"event_name": "Sold",
"price_sqft": 39.260969976905315,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "4901364610",
"generated_at": "2026-02-24T23:11:37.368465Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 75.9
},
"utility_allowance": {
"zip_code": "45831",
"home_photo": "https://ap.rdcpix.com/c8fb514de88618a04d0130df1defaf88l-m420614778s-w1280.jpg",
"rent_price": 1044.0,
"loan_amount": 108000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/301-W-Forrest-St_Continental_OH_45831_M49013-64610",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 135000.0,
"loan_term_years": 30,
"annual_cash_flow": 9480.4,
"mortgage_monthly": 718.53,
"payment_standard": 1394.0,
"total_amount_out": 27000.0,
"additional_photos": [
"https://ap.rdcpix.com/c8fb514de88618a04d0130df1defaf88l-m1426721778s-w1280.jpg",
"https://ap.rdcpix.com/c8fb514de88618a04d0130df1defaf88l-m740330251s-w1280.jpg",
"https://ap.rdcpix.com/c8fb514de88618a04d0130df1defaf88l-m2638800315s-w1280.jpg",
"https://ap.rdcpix.com/c8fb514de88618a04d0130df1defaf88l-m2305430598s-w1280.jpg",
"https://ap.rdcpix.com/c8fb514de88618a04d0130df1defaf88l-m3281423293s-w1280.jpg",
"https://ap.rdcpix.com/c8fb514de88618a04d0130df1defaf88l-m2541143963s-w1280.jpg",
"https://ap.rdcpix.com/c8fb514de88618a04d0130df1defaf88l-m2704651264s-w1280.jpg",
"https://ap.rdcpix.com/c8fb514de88618a04d0130df1defaf88l-m1367057228s-w1280.jpg",
"https://ap.rdcpix.com/c8fb514de88618a04d0130df1defaf88l-m862617217s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 50.0,
"monthly_cash_flow": 790.03,
"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 has Central Air, but the allowance schedule provides a null value for this utility for all bedroom counts.",
"utility": "air_conditioning",
"allowance": 0
},
{
"note": "Selected 'electric' for cooking to be consistent with the property's 'Electrical' heating system. The 4-bedroom allowance is $17.",
"utility": "cooking",
"allowance": 17
},
{
"note": "Selected 'electric' heating based on property details stating 'Heating Features: Electrical'. The 4-bedroom allowance is $104.",
"utility": "heating",
"allowance": 104
},
{
"note": "Included as a standard utility for any residence with electric service. The 4-bedroom allowance is $50.",
"utility": "other_electric",
"allowance": 50
},
{
"note": "The range/stove is assumed to be tenant-owned as it is not listed as a provided appliance in the property's text details. The 4-bedroom allowance is $8.",
"utility": "range",
"allowance": 8
},
{
"note": "The refrigerator is assumed to be tenant-owned as it is not mentioned in the property's provided appliances list. The 4-bedroom allowance is $8.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "Property details explicitly state 'Sewer: Public Sewer'. The 4-bedroom allowance is $46.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard service for single-family homes and is included based on common practice. The 4-bedroom allowance is $25.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Property details explicitly state 'Water Source: Public'. The 4-bedroom allowance is $40.",
"utility": "water",
"allowance": 40
},
{
"note": "Selected 'electric' for water heating as property details specify 'Water Heater-Electric'. The 4-bedroom allowance is $52.",
"utility": "water_heating",
"allowance": 52
}
],
"cash_on_cash_return": 0.35,
"down_payment_amount": 27000.0,
"property_tax_annual": 1194.8,
"property_tax_monthly": 99.57,
"property_tax_increase": 0.03,
"utility_allowance_total": 350.0,
"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": 858.08,
"property_management_monthly": 104.4,
"monthly_cash_flow_after_debt": 71.51,
"cash_on_cash_return_after_debt": 0.03
},
"section8_assessment": {
"runs": [
{
"summary": "This 4BR/2BA single-family home appears largely renovated and cosmetically move-in ready. Exterior siding, roof, windows, interior finishes and kitchen appliances look updated. There are no visible life‑threatening hazards in the photos, and an HVAC condenser is present. The most likely issues on an initial HCV/NSPIRE inspection are missing or unverified items (smoke/CO detectors, GFCI outlets, electrical panel labeling, hot-water availability and bathroom fixtures) and some minor exterior maintenance (driveway cracks, downspout routing, weathered shed). With routine verification and a short list of minor fixes/confirmations the property is likely to pass an initial Section 8 inspection; expect a few verifications or small repairs prior to final approval.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 82.0,
"rationale": "Interior photos show fresh paint, new-looking vinyl plank flooring, new cabinets/countertops and installed kitchen appliances (stove, microwave, dishwasher). Exterior siding, roof shingles and windows appear in good condition. Observable deferred items: cracked asphalt driveway with vegetation in cracks, small exterior shed appears weathered, minor exterior trim/paint touch-ups likely. No visible collapsed ceilings, major floor deflection, or exposed subfloor. Overall cosmetic condition is good and missing items are mostly easy-to-fix."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 68.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no exposed wiring). Entry step has a metal railing. Egress windows appear present in main rooms and sliding door provides egress to yard. However several NSPIRE items are not visible in photos: smoke detectors and CO alarms, electrical panel condition, GFCI protection at kitchen sink, hot water availability, and bathroom conditions. There is a downspout discharging close to foundation which can cause water intrusion if not managed. Given the overall recent cosmetic renovation, likely low-to-moderate code risk but the missing/unchecked items could cause an initial inspection fail until verified or installed."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, electrical, plumbing systems",
"score": 70.0,
"rationale": "Roof shingles look recent and in good visual condition. Exterior AC condenser unit is present (indicates central HVAC). Kitchen appliances visible and appear connected. No water heater, electrical meter/panel or plumbing risers are visible in photos, so their condition is unknown. Yard grading looks generally flat; most downspouts are present though at least one discharges near foundation and should be extended. Based on visible equipment and recent updating, major systems are likely functional but require verification (water heater, electrical panel, GFCI, hot water temperature)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate grounds",
"score": 75.0,
"rationale": "Siding and foundation appear intact with no visible large foundation cracks. Rooflines and gutters look serviceable. Corner lot with mature trees — trees are close to the structure which increases maintenance risk (leaf/debris, roots). Driveway is cracked and will need patching or sealing; shed appears aged and may need repair or removal. Yard and walkways are level and free of major trip hazards in photos. Overall exterior is serviceable but needs minor maintenance."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Photos represent the full extent of major living areas; bathrooms and mechanical closets were not shown.",
"HVAC is operational because a central condenser unit is present and interior ceiling vents are visible.",
"Water heater, electrical panel, smoke detectors, and carbon monoxide alarms exist but were not photographed; their absence would reduce safety score and require correction prior to inspection.",
"Kitchen appliances shown are present and connected; missing small items (e.g., outlet covers, GFCI devices) can be installed quickly.",
"No active roof leaks or major hidden structural issues are present since roof and foundation appear sound in exterior photos; however hidden issues cannot be ruled out without interior attic/crawlspace inspection.",
"Trees near the house have not caused visible structural damage, but root/leaf impacts are possible and may require routine maintenance."
],
"overall_score": 74.0,
"rubric_version": "2026-02-24_v1"
},
{
"summary": "Overall this 4BR/2BA single-family appears largely move-in ready for HCV tenants with cosmetic renovations, functioning appliances and visible HVAC. Primary NSPIRE/Section 8 risks are verification items: presence/function of smoke and CO detectors, GFCI protection, condition/age of water heater and electrical panel, and some exterior moisture management (downspout extensions, driveway repair). With minor code-focused fixes (detectors/GFCI, downspout reroute) and standard system verifications, the property is likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic renovation: new-looking flooring, fresh paint, updated kitchen cabinets/counters and installed appliances (range, microwave, dishwasher). Exterior siding and windows appear in good condition. Minor deferred items visible: cracked asphalt driveway with vegetation, small storage shed in poor condition, short downspout terminating at foundation. Missing minor finish items (possible touch-up, some exterior posts leftover). Overall few visible repair needs; missing appliances are not an issue here (appliances present)."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 68.0,
"rationale": "No obvious life-threatening hazards visible: no sagging roofs, no collapsed ceilings, no standing water, no visible exposed live wiring. Central HVAC vents present and exterior condenser visible. However smoke detectors and carbon monoxide detectors are not visible in the photos (cannot confirm placement/operation). GFCI presence in kitchen/bath not clearly visible. Egress windows appear present in bedrooms (multiple double-hung windows), entry door has a lock but deadbolt not visible. Small front stoop has a railing; exterior steps appear minor. Given these unknowns, there is moderate NSPIRE risk that can be resolved with detector installation and GFCI checks."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 78.0,
"rationale": "Exterior HVAC condenser is present and roof shingles appear recently replaced or in good condition. Kitchen plumbing fixtures and dishwasher present. Electrical panel and water heater are not shown — condition must be verified. No visible signs of active leaks, mold, or major plumbing damage. Given visual evidence of updated finishes and an exterior AC unit, the major systems are likely functional but require standard verification (water heater age, electrical panel labeling/GFCI functionality, heating operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large .42-acre corner lot is regularly maintained; siding, windows and foundation block appear intact. Roof looks in good shape. Driveway is cracked and has surface vegetation; downspout extensions are short and may route water toward foundation in spots. Mature trees near the house present potential root and branch risks long-term. Garage and parking area are present and functional. No visible infestation or major grading/drainage failures in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing photos reflect recent renovations and are representative of the whole interior.",
"There is a functioning central heating system (ducts/grilles visible) though the furnace/water heater and electrical panel are not shown.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and therefore may be missing or not documented; they will need verification/installation.",
"GFCI outlets in kitchen and bathrooms are not visible and should be checked/installed if missing.",
"Electrical panel is present and intact but its condition, labeling and breaker operation are unknown and must be verified.",
"Hot water availability and water heater condition/age are unknown from photos and require confirmation.",
"No evidence of severe mold, structural sagging, collapsed ceilings, or standing water was observed in the provided photos.",
"Trees close to the house are assumed to be mature but currently not causing visible foundation failure; root/branch impacts are a potential future concern."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 4-bed, 2-bath single-family shows extensive interior updates and generally solid exterior condition; it appears largely rent-ready for HCV tenancy. The most significant inspection uncertainties are safety verifications that cannot be confirmed from photos: presence and location of required smoke/CO detectors, GFCI in kitchen/bath, and verification of the electrical panel, furnace and water heater. Exterior issues are mostly minor (cracked driveway, old shed, tree proximity). With on-site confirmation of detectors, GFCIs, functioning heating/hot water and minor exterior repairs, this property is likely to pass an initial HCV/NSPIRE inspection after 1-4 weeks of tenant-readiness work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently renovated: new-looking vinyl plank flooring, painted drywall, new kitchen cabinets/countertops and stainless appliances present. Exterior siding and roof shingles look in good condition. Observable deferred items are minor: cracked asphalt driveway with veg growth, a small worn storage shed, some yard posts that are leaning/old, and modest concrete patio area that may need sealing. No visible major water damage, collapsed ceilings or exposed structural elements. Missing interior photos of bathrooms and utility areas prevent verification of minor finish needs, but overall appearance is move-in ready with only cosmetic and minor exterior repairs likely."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No active life-threatening hazards visible: no sagging roofs, collapsed ceilings, visible exposed wiring, or standing water. Windows look recently replaced and likely provide bedroom egress, and exterior entry stoops have railings. However, smoke detectors and carbon monoxide alarms are not visible in photos (required by NSPIRE), GFCI protection at kitchen sink is not confirmed, and the electrical panel and water heater/furnace locations are not shown for verification. Entry door lock hardware (deadbolt) not visible. Because these mandatory safety items cannot be confirmed from photos, there is moderate NSPIRE risk pending verification."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 75.0,
"rationale": "Exterior HVAC condenser is present (indicates central AC and likely forced-air system); ceiling vents visible inside. Roof shingles appear in good condition and gutters/downspouts are installed. Kitchen appliances (dishwasher, electric range, microwave) are present and appear newly installed which suggests updated circuits. Plumbing fixtures visible (kitchen sink) appear functional. Electrical panel, furnace, water heater and drain grading away from foundation are not shown, so system reliability is assumed but not confirmed. Given visible equipment and recent cosmetic updates, systems likely functional but need on-site verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Property sits on a large .42-acre corner lot with open, relatively level yard. Siding appears intact and foundation masonry looks sound from photos. Large trees are close to the structure (root/soil impact should be evaluated) and driveway shows cracking and vegetation intrusion. Garage and shed present; garage door appears serviceable. No obvious evidence of infestation, severe erosion, or drainage pooling in photographs. Overall yard and envelope are in good, well-maintained condition aside from driveway and minor outbuildings."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Interior photographs represent typical condition throughout the unit; bathrooms and bedrooms are assumed to be in similar updated condition as living/kitchen photos.",
"Heating system (furnace) and hot water are present and operational though not pictured; HVAC condenser indicates forced-air system exists.",
"Stove is electric (photo shows an electric range) so carbon monoxide detector requirement may not be triggered by gas appliances, but CO policy depends on local code.",
"Smoke detectors, CO alarms and GFCI protection may not be installed or may be present but are not visible in the provided photos; these items need on-site verification.",
"Electrical panel, water heater, and any accessible mechanical equipment are not visible and are assumed to be serviceable unless inspection reveals otherwise.",
"No interior mold, major plumbing leaks, or structural foundation movement are present based on visible surfaces; heavy deterioration is not evident in photos."
],
"overall_score": 76.0,
"rubric_version": "2026-02-24-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "301 W Forrest St, Continental, OH, 45831",
"aggregate": {
"summary": "This 4BR/2BA single-family home appears largely renovated and cosmetically move-in ready. Exterior siding, roof, windows, interior finishes and kitchen appliances look updated. There are no visible life‑threatening hazards in the photos, and an HVAC condenser is present. The most likely issues on an initial HCV/NSPIRE inspection are missing or unverified items (smoke/CO detectors, GFCI outlets, electrical panel labeling, hot-water availability and bathroom fixtures) and some minor exterior maintenance (driveway cracks, downspout routing, weathered shed). With routine verification and a short list of minor fixes/confirmations the property is likely to pass an initial Section 8 inspection; expect a few verifications or small repairs prior to final approval.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 82.3,
"rationale": "Interior photos show fresh paint, new-looking vinyl plank flooring, new cabinets/countertops and installed kitchen appliances (stove, microwave, dishwasher). Exterior siding, roof shingles and windows appear in good condition. Observable deferred items: cracked asphalt driveway with vegetation in cracks, small exterior shed appears weathered, minor exterior trim/paint touch-ups likely. No visible collapsed ceilings, major floor deflection, or exposed subfloor. Overall cosmetic condition is good and missing items are mostly easy-to-fix."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate grounds",
"score": 76.0,
"rationale": "Siding and foundation appear intact with no visible large foundation cracks. Rooflines and gutters look serviceable. Corner lot with mature trees — trees are close to the structure which increases maintenance risk (leaf/debris, roots). Driveway is cracked and will need patching or sealing; shed appears aged and may need repair or removal. Yard and walkways are level and free of major trip hazards in photos. Overall exterior is serviceable but needs minor maintenance."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 68.7,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no exposed wiring). Entry step has a metal railing. Egress windows appear present in main rooms and sliding door provides egress to yard. However several NSPIRE items are not visible in photos: smoke detectors and CO alarms, electrical panel condition, GFCI protection at kitchen sink, hot water availability, and bathroom conditions. There is a downspout discharging close to foundation which can cause water intrusion if not managed. Given the overall recent cosmetic renovation, likely low-to-moderate code risk but the missing/unchecked items could cause an initial inspection fail until verified or installed."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, electrical, plumbing systems",
"score": 74.3,
"rationale": "Roof shingles look recent and in good visual condition. Exterior AC condenser unit is present (indicates central HVAC). Kitchen appliances visible and appear connected. No water heater, electrical meter/panel or plumbing risers are visible in photos, so their condition is unknown. Yard grading looks generally flat; most downspouts are present though at least one discharges near foundation and should be extended. Based on visible equipment and recent updating, major systems are likely functional but require verification (water heater, electrical panel, GFCI, hot water temperature)."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Photos represent the full extent of major living areas; bathrooms and mechanical closets were not shown.",
"HVAC is operational because a central condenser unit is present and interior ceiling vents are visible.",
"Water heater, electrical panel, smoke detectors, and carbon monoxide alarms exist but were not photographed; their absence would reduce safety score and require correction prior to inspection.",
"Kitchen appliances shown are present and connected; missing small items (e.g., outlet covers, GFCI devices) can be installed quickly.",
"No active roof leaks or major hidden structural issues are present since roof and foundation appear sound in exterior photos; however hidden issues cannot be ruled out without interior attic/crawlspace inspection.",
"Trees near the house have not caused visible structural damage, but root/leaf impacts are possible and may require routine maintenance."
],
"score_method": "mean_of_criteria",
"overall_score": 75.9,
"rubric_version": "2026-02-24_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4901364610"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.