Property ID: 4910318402
510 E Decatur St, Kenton, OH, 43326
Kenton, OH
Money Down: $23,760
CoC Return: 11.30%
Monthly Cash Flow: $224
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,800
Closing Costs
$3,960
Total Down
$23,760
Investment Snapshot
Purchase Price
$99,000
Money Down
$23,760
Cash-on-Cash Return
11.30%
Rent
$953
Monthly Cash Flow
$224
Annual Cash Flow
$2,684
Debt Service / Mo
$527
Property Tax / Mo
$72
Insurance / Mo
$36
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$953
Payment Standard
$1,230
Rent
$953
Insurance
$36
Property Tax
$72
Management
$95
Utilities Allowance
$277
NOI (Monthly)
$751
Debt Service
$527
Cash Flow After Debt
$224
Quality Score: 66.80%
Confidence: 84.00%
This 3-bed single-family appears cosmetically refreshed and largely serviceable from photos — fresh paint, new-looking flooring and intact exterior siding/garage. Major concerns for an initial HCV/NSPIRE inspection are missing/undocumented life-safety items (no visible smoke/CO alarms), unverified major systems (no visible furnace/WH or panel), and localized drainage/standing water at the driveway. Most observed issues are fixable (alarms, GFCI checks, appliance provision, minor exterior repairs). With installation/verification of smoke/CO detectors, confirmation of heating/hot water and basic GFCI/electrical checks, the property would likely pass an initial inspection within 1–4 weeks. If alarms or heating are absent or if there are hidden electrical or plumbing defects, additional repairs could extend readiness time.
Section 8 Payment Standard
$1,230
Utility Allowance Total
$277
Guaranteed Section 8 Rent (PS - Utilities)
$953
Property Management
$95
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$99,000
Beds
3
Baths
1
Living Area
744 sqft
Lot Size
—
Year Built
—
Days on Market
252
Capital Outlay
$23,760
Debt Service
$527
Property Tax / Mo
$72
Insurance / Mo
$36
Property Description
3 Bedroom 1 Bath home with a 1 car garage! One bedroom and bath on the first floor. 2 Bedrooms on the second floor. Nice back yard. Easy access laundry room on the first floor. New flooring and fresh paint. Vacant and ready to move in as soon you close!
Utility Allowances
Heating
$75
Selected 'Natural Gas' for heating as the property details explicitly state 'Heating Features: Forced Air, Natural Gas'.
Water Heating
$41
The property includes a 'Water Heater' but the fuel type is unspecified. Per the rules, the more expensive option, 'Electric' ($41), was chosen over 'Natural Gas' ($33).
Cooking
$13
No cooking appliance is listed as provided. The more expensive fuel option on the schedule, 'Electric' ($13) vs. 'Natural Gas' ($12), was selected for a tenant-provided appliance.
Other Electric
$39
This is a standard fixed allowance for general electricity use (lights, outlets, etc.) for a 3-bedroom unit.
Range
$8
A range is not listed as provided. This allowance covers the electricity cost for a tenant-owned electric range, as per the schedule.
Refrigerator
$8
A refrigerator is not listed as provided. This allowance covers the electricity cost for a tenant-owned refrigerator, as per the schedule.
Water
$32
Property details state 'Water Connected' and 'Water Source: Public'.
Sewer
$36
Property details state 'Sewer: Public Sewer'.
Trash Collection
$25
Inferred as a standard tenant-paid utility for a single-family detached home.
Air Conditioning
$0
Property details do not mention air conditioning, and the utility schedule provides no allowance ($0 or null) for this utility.
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$418
DP3 Annual Estimate$437
DP1 Monthly Equivalent$35
DP3 Monthly Equivalent$36
Replacement Value$49,940
Basis744 sqft / 1980
Nearby Houses
Photo unavailable
508 E Decatur St
for_sale · 0.01 mi
Price: $134,000
4 bd / 1 ba · 1,144 sqft
Latest sale: —
Latest rent: —
Photo unavailable
519 Decatur St
sold · 0.03 mi
Price: $140,000
4 bd / 2 ba · 1,716 sqft
Latest sale: $140,000 on May 28, 2024
Latest rent: —
Photo unavailable
354 S Barron St
for_sale · 0.04 mi
Price: $159,000
3 bd / 3 ba · 1,296 sqft
Latest sale: —
Latest rent: —
Photo unavailable
430 Henry St
sold · 0.05 mi
Price: $65,000
2 bd / 2 ba · 1,424 sqft
Latest sale: $65,000 on Apr 02, 2021
Latest rent: —
Photo unavailable
334 Clinton St
sold · 0.08 mi
Price: $56,500
3 bd / 1 ba · 1,272 sqft
Latest sale: $56,500 on May 27, 2016
Latest rent: —
Photo unavailable
332 Clinton St
sold · 0.08 mi
Price: $177,000
3 bd / 2 ba · 1,200 sqft
Latest sale: $177,000 on Jun 02, 2025
Latest rent: —
Photo unavailable
312 Henry St
sold · 0.09 mi
Price: $130,000
3 bd / 1 ba · 1,264 sqft
Latest sale: $130,000 on Aug 31, 2022
Latest rent: —
Photo unavailable
614 S Henry St
sold · 0.10 mi
Price: $89,900
2 bd / 1 ba · 1,301 sqft
Latest sale: $89,900 on Nov 20, 2020
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 CO alarm (likely NSPIRE fail if absent)
- No visible heating equipment / mechanicals photographed (system presence and operation unverified)
- Standing water / poor drainage at driveway area adjacent to garage
- Driveway cracking and deteriorated brick planter (trip/drainage and deferred maintenance)
Assumptions
- No kitchen or bathroom photos were provided; assume at least one bathroom exists (listing states 1 bath) but presence/condition of sink, toilet, hot water, and kitchen appliances is unverified.
- No furnace, water heater or electrical panel photos were provided; assume a functioning heating and hot water system exists but needs verification during inspection.
- No smoke or carbon monoxide detectors are visible in photos; assume none installed or not shown and count this as a likely deficiency.
- Windows shown in bedrooms provide egress sized appropriately but exact dimensions were not measured; assume generally acceptable egress unless inspector measures otherwise.
- Exterior roof and garage are assumed to be weather-tight based on visible shingles and lack of visible leaks in interior photos, but attic/roof condition not inspected.
- Cables/wires visible near windows are assumed to be low-voltage/coax and not live mains; electrical panel condition is unknown.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $833 | $53,140 | $18,600 |
| 2024 | $1,242 | $53,140 | $18,600 |
| 2023 | $785 | $53,140 | $18,600 |
| 2022 | $855 | $51,030 | $17,860 |
| 2021 | $858 | $51,030 | $17,860 |
| 2020 | $748 | $51,030 | $17,860 |
| 2019 | $589 | $41,260 | $14,440 |
| 2018 | $701 | $41,260 | $14,440 |
| 2017 | $581 | $41,260 | $14,440 |
| 2016 | $715 | $43,770 | $15,320 |
| 2015 | $567 | $43,770 | $15,320 |
| 2014 | $565 | $43,770 | $15,320 |
| 2013 | $633 | $47,080 | $16,480 |
| 2012 | $629 | $47,080 | $16,480 |
| 2011 | $633 | $47,080 | $16,480 |
| 2009 | $533 | $45,630 | $15,970 |
| 2008 | $517 | $45,630 | $15,970 |
| 2006 | $481 | $43,460 | $15,210 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-31 | Price Changed | $99,000 |
| 2025-11-14 | Price Changed | $109,900 |
| 2025-10-20 | Price Changed | $114,900 |
| 2025-10-01 | Relisted | $119,000 |
| 2025-09-10 | Listing removed | $0 |
| 2025-07-31 | Listed | $119,000 |
Photo Gallery
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"https://ap.rdcpix.com/bc6de396cba30cc590be81e566e3a60el-m39428370s-w1280.jpg",
"https://ap.rdcpix.com/bc6de396cba30cc590be81e566e3a60el-m27616698s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 35.62,
"monthly_cash_flow": 750.58,
"property_tax_rate": 0.011200000000000002,
"_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 'Natural Gas' for heating as the property details explicitly state 'Heating Features: Forced Air, Natural Gas'.",
"utility": "Heating",
"allowance": 75
},
{
"note": "The property includes a 'Water Heater' but the fuel type is unspecified. Per the rules, the more expensive option, 'Electric' ($41), was chosen over 'Natural Gas' ($33).",
"utility": "Water Heating",
"allowance": 41
},
{
"note": "No cooking appliance is listed as provided. The more expensive fuel option on the schedule, 'Electric' ($13) vs. 'Natural Gas' ($12), was selected for a tenant-provided appliance.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "This is a standard fixed allowance for general electricity use (lights, outlets, etc.) for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "A range is not listed as provided. This allowance covers the electricity cost for a tenant-owned electric range, as per the schedule.",
"utility": "Range",
"allowance": 8
},
{
"note": "A refrigerator is not listed as provided. This allowance covers the electricity cost for a tenant-owned refrigerator, as per the schedule.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Property details state 'Water Connected' and 'Water Source: Public'.",
"utility": "Water",
"allowance": 32
},
{
"note": "Property details state 'Sewer: Public Sewer'.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "Inferred as a standard tenant-paid utility for a single-family detached home.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Property details do not mention air conditioning, and the utility schedule provides no allowance ($0 or null) for this utility.",
"utility": "Air Conditioning",
"allowance": 0
}
],
"cash_on_cash_return": 0.45,
"down_payment_amount": 19800.0,
"property_tax_annual": 857.99,
"property_tax_monthly": 71.5,
"property_tax_increase": 0.03,
"utility_allowance_total": 277.0,
"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": 2025,
"annual_cash_flow_after_debt": 2683.88,
"property_management_monthly": 95.3,
"monthly_cash_flow_after_debt": 223.66,
"cash_on_cash_return_after_debt": 0.14
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed single-family appears cosmetically refreshed and largely serviceable from photos — fresh paint, new-looking flooring and intact exterior siding/garage. Major concerns for an initial HCV/NSPIRE inspection are missing/undocumented life-safety items (no visible smoke/CO alarms), unverified major systems (no visible furnace/WH or panel), and localized drainage/standing water at the driveway. Most observed issues are fixable (alarms, GFCI checks, appliance provision, minor exterior repairs). With installation/verification of smoke/CO detectors, confirmation of heating/hot water and basic GFCI/electrical checks, the property would likely pass an initial inspection within 1–4 weeks. If alarms or heating are absent or if there are hidden electrical or plumbing defects, additional repairs could extend readiness time.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior shows fresh paint and new/clean-looking flooring in most photos; cosmetic condition appears good. Minor surface cracks in trim/ceiling and a painted-on finish on floors are visible but not severe. Exterior brick planter mortar is deteriorated and driveway has cracking. No kitchen photos provided — appliances not seen; missing appliances would be an easy-to-fix capital item and were scored as a moderate deduction. Overall issues appear cosmetic and moderate, not structural."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 50.0,
"rationale": "No smoke detectors or CO alarms are visible in any interior photos (NSPIRE requires smoke alarms inside sleeping rooms and at least one on every floor and CO alarms where required) — this is a likely immediate fail if not present. Bedroom egress windows appear present but window measurements were not verified. No obvious exposed live wiring was noted, but some low-voltage cable/wire is visible near a window. Entry doors appear secure with deadbolt hardware visible on rear/side door; stairs to entry are short and have a railing on one side. Standing water/puddling at driveway suggests poor drainage which can be a safety/trip/mosquito issue. GFCI presence in kitchen/bath not verified. Plumbing fixtures and hot water not photographed/verified. Given the missing alarms and unverified life-safety items, safety risk is moderate-high."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 55.0,
"rationale": "Roof shingles visible on front and garage look serviceable from photos with typical wear but no active leaks visible. No furnace, water heater, or boiler is visible in images; registers suggest a central system but operation/age is unverified. Electrical panel and GFCI outlets not shown. Plumbing fixtures and hot water system not photographed. Garage roof/structure looks intact. Because major systems presence is likely but not documented in photos, score reflects moderate uncertainty rather than confirmed failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Vinyl siding and gutters appear intact; steps and small porch are painted and in decent condition. Driveway and apron have cracking and localized standing water/puddling at low spot in front of garage—indicates drainage issues. Brick planter shows mortar and brick wear. Yard and walkways are functional; no visible heavy vegetation/infestation. Detached garage appears structurally sound from photos."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm (likely NSPIRE fail if absent)",
"No visible heating equipment / mechanicals photographed (system presence and operation unverified)",
"Standing water / poor drainage at driveway area adjacent to garage",
"Driveway cracking and deteriorated brick planter (trip/drainage and deferred maintenance)"
],
"confidence": 0.6,
"assumptions": [
"No kitchen or bathroom photos were provided; assume at least one bathroom exists (listing states 1 bath) but presence/condition of sink, toilet, hot water, and kitchen appliances is unverified.",
"No furnace, water heater or electrical panel photos were provided; assume a functioning heating and hot water system exists but needs verification during inspection.",
"No smoke or carbon monoxide detectors are visible in photos; assume none installed or not shown and count this as a likely deficiency.",
"Windows shown in bedrooms provide egress sized appropriately but exact dimensions were not measured; assume generally acceptable egress unless inspector measures otherwise.",
"Exterior roof and garage are assumed to be weather-tight based on visible shingles and lack of visible leaks in interior photos, but attic/roof condition not inspected.",
"Cables/wires visible near windows are assumed to be low-voltage/coax and not live mains; electrical panel condition is unknown."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This is a mostly sound, recently painted 3BR/1BA house with new-looking flooring and generally good cosmetic condition. The home appears likely to pass an initial HCV/NSPIRE inspection after a short targeted punch list: confirm/install compliant smoke & CO alarms, verify heating and hot water operation, confirm electrical safety (GFCI in kitchen/bath), provide or confirm kitchen appliances where required, and address minor exterior drainage/driveway repairs. Expected time to be rent-ready is within 1–4 weeks if systems are verified and the small items above are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show fresh paint and new/updated flooring and generally tidy rooms. No visible major drywall or ceiling collapse. Exterior siding and trim appear intact. Observable deferred items: cracked/uneven driveway, deteriorating brick planter, painted porch/steps that may need touch-up, and no kitchen appliances visible in photos (listing does not confirm appliances). Missing stove/fridge and minor exterior cosmetic repairs reduce the score moderately but these are capital/minor items rather than structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No visible smoke detectors or carbon monoxide detectors in photos (one wall-mounted device seen but not identifiable as a compliant smoke alarm). Entry door has a knob but no visible deadbolt; windows appear to provide egress in main rooms. No obvious exposed live wiring inside; some low-voltage/entertainment cable hanging in one room. No visible mold or active interior water intrusion. GFCI protection in kitchen/bath not visible in photos. Small exterior trip hazards (cracked driveway, low brick wall) and standing water at driveway reduce score. These are fixable but present inspection risk until confirmed/resolved."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 68.0,
"rationale": "Floor vents visible indicating a forced-air heating/AC system is likely present, but no furnace/boiler or water heater is shown in photos to confirm operation. Electrical meter/service and exterior junction box are present and appear intact; no open electrical panels shown. Roof shingles look generally intact from photos but some wear is visible at porch roof junctions — possible minor leak risk that should be confirmed. Plumbing fixtures and hot water cannot be confirmed from photos. Overall systems appear likely functional but verification (furnace, water heater, electrical panel, hot water) needed before inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Vinyl siding is intact and gutters/downspouts are installed. Detached garage is present and appears functional. Driveway shows cracking and low spots that collect water (photo shows standing water) which is a drainage/trip concern. Small brick planter is deteriorated and could be a minor hazard. Walkways to rear appear narrow but passable. No visible major foundation cracks or structural sagging in provided exterior photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (required for NSPIRE).",
"Standing water / poor drainage at driveway leading to garage (photo evidence) — trip/water intrusion risk.",
"Cracked/uneven driveway and small pavement delamination (trip hazard).",
"Deteriorating brick planter at front porch (loose masonry/trip hazard).",
"No kitchen appliances visible in photos (stove/refrigerator) — will reduce inspection readiness until provided or documented.",
"Unknown GFCI protection in kitchen and bathroom (not visible) — potential NSPIRE item."
],
"confidence": 0.65,
"assumptions": [
"Forced-air heating (vents visible) is present and operational though the furnace/boiler and water heater were not photographed.",
"Kitchen appliances (stove, refrigerator) are not visible in photos and likely not included; scoring treats these as missing/unverified.",
"No interior active roof leaks or major plumbing leaks exist (no staining or mold visible in photos).",
"Standing water in driveway is from recent rain and indicates a localized drainage/grade issue rather than an underground plumbing failure.",
"No certified evidence of smoke/CO detectors or GFCI outlets from photos; assume they are absent or unverified for inspection purposes.",
"Foundation and major structure are assumed stable—no visible sagging, large cracks, or settlement in photos."
],
"overall_score": 71.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed/1-bath single-family shows recent cosmetic updates (fresh paint, new flooring) and presents as moderately rent-ready, but it has several NSPIRE-related unknowns that will likely be flagged on an initial HCV inspection. The main inspection risks are missing/undocumented smoke and CO detectors, unverified GFCI protection in wet areas, and undocumented mechanical systems (furnace/water heater/AC). Exterior drainage at the driveway and minor site repairs (driveway patching, planter repair) should be addressed. With targeted fixes (install detectors and GFCI where required, verify/repair mechanicals, add/confirm secure locks), the property should be able to pass an initial HCV inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show fresh paint and recent flooring; overall cosmetic condition appears good. Minor exterior deferred maintenance visible: cracked/uneven driveway, deteriorating brick planter, peeling paint at small areas of trim. No visible collapsed ceilings, exposed subfloor, or major finish deterioration. No kitchen appliances shown (fridge/range not visible) which moderately reduces turnkey readiness but is an easy-to-fix capital item. Repair category: mostly cosmetic and minor repairs (paint touch-ups, driveway patching, planter repair, install/verify appliances)."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Visible safety items raise moderate inspection risk. No smoke detectors or CO alarms are visible in interior photos (required on each level and in/near sleeping areas) — likely will fail an inspection until installed. Entry doors show knobs but no visible deadbolt on the photographed exterior door (secure locking hardware required). Bedroom egress appears present (operable windows) in photos, but GFCI presence in kitchen/bath cannot be confirmed from images. No obvious exposed live wiring or open electrical panels visible; one loose cable near a window appears to be a low-voltage/comms lead rather than exposed mains. Exterior steps have a handrail on the porch but the small interior/attic steps lack a handrail — could be flagged depending on inspector interpretation. Standing water/pooling at driveway in photos indicates drainage issue and trip/slip risk at rear/garage approach. Distinction: missing smoke/CO alarms and missing GFCI (if present) are inspection-fail items and must be remedied; other items are minor."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "Major systems (heating, water heater, HVAC equipment) are not shown in photos. Presence of floor registers suggests forced-air heat, but no furnace/AC or water heater visible to verify operation or age. Roof and shingles appear intact from photos with no obvious sagging or active leaks, and gutters present. Garage roof also appears serviceable. Plumbing fixtures and hot water availability cannot be confirmed. Electrical meter and service conduit present exterior; panel condition not visible. Given the lack of photographic confirmation of mechanical equipment, assume typical older-home systems that may be functional but will require verification (service test) — unknowns reduce score. Repairs likely: verification/servicing of heating, water heater, and electrical; possible minor mechanical maintenance."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding and trim look intact and recently painted; gutters present and connected. Garage structure appears sound with functioning overhead door. Driveway has significant cracking and low spots with standing water (drainage issue) which is a tenant safety/trip and maintenance concern. Front steps/porch are painted and have a railing, but the planter wall shows mortar/brick deterioration. Yard appears generally maintained. No visible pest infestation or major foundation displacement in photos. Overall mostly cosmetic/site repairs and moderate drainage work required."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in interior photos (life-safety requirement).",
"No visible heating equipment shown—mechanical systems not documented (must be verified operational).",
"Standing water / poor drainage at driveway/garage approach (slip/trip and water intrusion concern).",
"Secure entry hardware (deadbolt) not visible on exterior door in photos — may fail secure-lock requirement if absent or nonfunctional."
],
"confidence": 0.6,
"assumptions": [
"No furnace, water heater, or HVAC equipment pictured; assume forced-air heat exists (floor registers) but equipment condition/operation is unknown and requires verification.",
"Kitchen appliances (range, refrigerator) are not shown; assume they may be missing or not photographed — missing appliances reduce turnkey score moderately but are capital fixes, not immediate safety fails.",
"Smoke detectors and CO alarms are not visible in interior photos; assume they are not installed or not in required locations and will need installation.",
"Electrical panel condition and presence of GFCI outlets in kitchen/bath are not shown and assumed unknown — likely will require inspection and minor remediation.",
"No interior evidence of active leaks, major mold, or structural collapse; assume none present based on photos.",
"No rental history in the last 5 years (per snapshot) so rental_history_activity not included in overall weighting."
],
"overall_score": 67.0,
"rubric_version": "2025-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "510 E Decatur St, Kenton, OH, 43326",
"aggregate": {
"summary": "This 3-bed single-family appears cosmetically refreshed and largely serviceable from photos — fresh paint, new-looking flooring and intact exterior siding/garage. Major concerns for an initial HCV/NSPIRE inspection are missing/undocumented life-safety items (no visible smoke/CO alarms), unverified major systems (no visible furnace/WH or panel), and localized drainage/standing water at the driveway. Most observed issues are fixable (alarms, GFCI checks, appliance provision, minor exterior repairs). With installation/verification of smoke/CO detectors, confirmation of heating/hot water and basic GFCI/electrical checks, the property would likely pass an initial inspection within 1–4 weeks. If alarms or heating are absent or if there are hidden electrical or plumbing defects, additional repairs could extend readiness time.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Interior shows fresh paint and new/clean-looking flooring in most photos; cosmetic condition appears good. Minor surface cracks in trim/ceiling and a painted-on finish on floors are visible but not severe. Exterior brick planter mortar is deteriorated and driveway has cracking. No kitchen photos provided — appliances not seen; missing appliances would be an easy-to-fix capital item and were scored as a moderate deduction. Overall issues appear cosmetic and moderate, not structural."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Vinyl siding and gutters appear intact; steps and small porch are painted and in decent condition. Driveway and apron have cracking and localized standing water/puddling at low spot in front of garage—indicates drainage issues. Brick planter shows mortar and brick wear. Yard and walkways are functional; no visible heavy vegetation/infestation. Detached garage appears structurally sound from photos."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 58.3,
"rationale": "No smoke detectors or CO alarms are visible in any interior photos (NSPIRE requires smoke alarms inside sleeping rooms and at least one on every floor and CO alarms where required) — this is a likely immediate fail if not present. Bedroom egress windows appear present but window measurements were not verified. No obvious exposed live wiring was noted, but some low-voltage cable/wire is visible near a window. Entry doors appear secure with deadbolt hardware visible on rear/side door; stairs to entry are short and have a railing on one side. Standing water/puddling at driveway suggests poor drainage which can be a safety/trip/mosquito issue. GFCI presence in kitchen/bath not verified. Plumbing fixtures and hot water not photographed/verified. Given the missing alarms and unverified life-safety items, safety risk is moderate-high."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 61.0,
"rationale": "Roof shingles visible on front and garage look serviceable from photos with typical wear but no active leaks visible. No furnace, water heater, or boiler is visible in images; registers suggest a central system but operation/age is unverified. Electrical panel and GFCI outlets not shown. Plumbing fixtures and hot water system not photographed. Garage roof/structure looks intact. Because major systems presence is likely but not documented in photos, score reflects moderate uncertainty rather than confirmed failure."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm (likely NSPIRE fail if absent)",
"No visible heating equipment / mechanicals photographed (system presence and operation unverified)",
"Standing water / poor drainage at driveway area adjacent to garage",
"Driveway cracking and deteriorated brick planter (trip/drainage and deferred maintenance)"
],
"confidence": 0.84,
"assumptions": [
"No kitchen or bathroom photos were provided; assume at least one bathroom exists (listing states 1 bath) but presence/condition of sink, toilet, hot water, and kitchen appliances is unverified.",
"No furnace, water heater or electrical panel photos were provided; assume a functioning heating and hot water system exists but needs verification during inspection.",
"No smoke or carbon monoxide detectors are visible in photos; assume none installed or not shown and count this as a likely deficiency.",
"Windows shown in bedrooms provide egress sized appropriately but exact dimensions were not measured; assume generally acceptable egress unless inspector measures otherwise.",
"Exterior roof and garage are assumed to be weather-tight based on visible shingles and lack of visible leaks in interior photos, but attic/roof condition not inspected.",
"Cables/wires visible near windows are assumed to be low-voltage/coax and not live mains; electrical panel condition is unknown."
],
"score_method": "mean_of_criteria",
"overall_score": 66.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4910318402"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.