Property ID: 4936740385
711 Louisa St, Pittsburgh, PA, 15210
Pittsburgh, PA
Money Down: $22,800
CoC Return: 45.56%
Monthly Cash Flow: $866
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,000
Closing Costs
$3,800
Total Down
$22,800
Investment Snapshot
Purchase Price
$95,000
Money Down
$22,800
Cash-on-Cash Return
45.56%
Rent
$1,622
Monthly Cash Flow
$866
Annual Cash Flow
$10,388
Debt Service / Mo
$506
Property Tax / Mo
$63
Insurance / Mo
$26
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,622
Payment Standard
$1,914
Rent
$1,622
Insurance
$26
Property Tax
$63
Management
$162
Utilities Allowance
$292
NOI (Monthly)
$1,371
Debt Service
$506
Cash Flow After Debt
$866
Quality Score: 69.50%
Confidence: 92.00%
Overall this small 1BR brick cottage appears cosmetically updated and largely rent-ready for a Section 8 HCV inspection after addressing a few straightforward items. The property shows recent interior upgrades, functioning refrigerator and visible thermostat, and a working smoke alarm in the main area. Primary inspection risks are limited detector coverage (smoke/CO in sleeping area), missing/unknown kitchen range, and an unguarded drop-off at the front entry that should be fixed to avoid a fail. Major structural or life-safety failures are not evident in the photos, but several mechanical systems (HVAC, water heater, electrical panel) were not shown and should be verified prior to move-in.
Section 8 Payment Standard
$1,914
Utility Allowance Total
$292
Guaranteed Section 8 Rent (PS - Utilities)
$1,622
Property Management
$162
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$95,000
Beds
1
Baths
1
Living Area
673 sqft
Lot Size
1,742 sqft
Year Built
1935
Days on Market
77
Capital Outlay
$22,800
Debt Service
$506
Property Tax / Mo
$63
Insurance / Mo
$26
Property Description
CALLING ALL STEELER FANS! Wellcome to 71 Louisa St, a charming 1-bedroom, 1-bath home currently operating as a successful Airbnb, offering a fantastic opportunity for both investors and owner-occupants. The home features a comfortable living area, a well-appointed kitchen, and a private bedroom, all designed for efficient and easy living. Whether you're looking to continue its use as a short-term rental, add it to your investment portfolio, or settle into a cozy one-bedroom home of your own, this property offers flexibility and immediate appeal. Conveniently sized, low maintenance, and full of potential-this is a unique opportunity to own a home that works as hard as you want it to.
Utility Allowances
air_conditioning
$5
Standard utility for a residential property, allowance provided by the PHA schedule.
cooking
$8
Selected 'electric' as it is the more expensive option on the schedule and is consistent with images of a modern kitchen.
heating
$81
Heating fuel was not specified. Selected the most expensive option ('electric') from the schedule as per instructions.
other_electric
$42
This is a standard baseline electrical allowance for lights and general outlets.
range_microwave
$18
A microwave is not listed as a provided appliance, so a tenant-supplied allowance is included as per the schedule.
refrigerator
$0
The property listing explicitly includes a refrigerator ('Inclusions: Refrigerator'), so no allowance is provided to the tenant.
sewer
$68
The property listing explicitly states 'Sewer: Public'.
trash_collection
$0
The utility allowance schedule does not provide a value for trash collection for this property type.
water
$46
The property listing explicitly states 'Water Source: Public'.
water_heating
$24
Water heating fuel was not specified. Selected the most expensive option ('electric') from the schedule.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf
https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf
https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf
https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf
https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf
https://hacp.org/doing-business/landlord-resources/
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$181
DP3 Annual Estimate$441
DP1 Monthly Equivalent$15
DP3 Monthly Equivalent$37
Replacement Value$17,600
Basis673 sqft / 1935
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211 Giffin Ave
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Photo unavailable
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sold · 0.11 mi
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3 bd / 1 ba · 1,521 sqft
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124 Margaret St
sold · 0.11 mi
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Unguarded drop-off at right side of front entry — potential fall hazard and likely NSPIRE fail if not guarded or signed.
- No visible carbon monoxide detector shown; CO alarm required where applicable and especially if gas appliances are present.
- Limited visible smoke detector coverage (only one visible in main area) — sleeping area detector not shown and may be required.
- Mechanical systems (HVAC, water heater, electrical panel) not photographed — unknown condition representing inspection risk until verified.
Assumptions
- Heating system and hot water are functional (thermostat visible and listing indicates active short-term rental).
- No active roof leaks or significant hidden water intrusion (ceilings show no staining or sagging in interior photos).
- Bedroom egress window exists and meets minimum size requirements (bedroom not pictured; assumed typical for a 1-bed unit).
- Electrical panel and service are present and in working order though not shown.
- No visible peeling paint or accessible lead-hazard surfaces despite year built (1935) — repainting risk exists but no peeling observed in photos.
- Missing range/oven is not an immediate life-safety hazard but will be required for typical Section 8 tenancy unless otherwise acceptable per local admin.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $729 | $22,000 | $22,000 |
| 2024 | $670 | $22,000 | $22,000 |
| 2023 | $626 | $22,000 | $22,000 |
| 2022 | $619 | $22,000 | $22,000 |
| 2021 | $619 | $22,000 | $22,000 |
| 2020 | $617 | $22,000 | $22,000 |
| 2019 | $617 | $22,000 | $22,000 |
| 2018 | $617 | $22,000 | $22,000 |
| 2017 | $617 | $22,000 | $22,000 |
| 2016 | $617 | $22,000 | $22,000 |
| 2015 | $617 | $22,000 | $22,000 |
| 2014 | $613 | $22,000 | $22,000 |
| 2013 | $707 | $22,000 | $22,000 |
| 2012 | $1,016 | $30,700 | $30,700 |
| 2011 | $985 | $30,700 | $30,700 |
| 2010 | $985 | $30,700 | $30,700 |
| 2009 | $985 | $30,700 | $30,700 |
| 2008 | $985 | $30,700 | $30,700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-04-08 | Sold | $62,000 |
| 2018-05-02 | Sold | $30,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2018-12-01 | Listed for rent | $800 | — |
| 2015-10-11 | Listed for rent | $750 | — |
| 2015-08-24 | Listed for rent | $750 | — |
Photo Gallery
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}
},
{
"tax": 617,
"year": 2015,
"market": {
"land": 12200,
"total": 22000,
"building": 9800
},
"assessment": {
"land": 12200,
"total": 22000,
"building": 9800
}
},
{
"tax": 613,
"year": 2014,
"market": {
"land": 12200,
"total": 22000,
"building": 9800
},
"assessment": {
"land": 12200,
"total": 22000,
"building": 9800
}
},
{
"tax": 707,
"year": 2013,
"market": {
"land": 12200,
"total": 22000,
"building": 9800
},
"assessment": {
"land": 12200,
"total": 22000,
"building": 9800
}
},
{
"tax": 1016,
"year": 2012,
"market": {
"land": 7300,
"total": 30700,
"building": 23400
},
"assessment": {
"land": 7300,
"total": 30700,
"building": 23400
}
},
{
"tax": 985,
"year": 2011,
"market": {
"land": 7300,
"total": 30700,
"building": 23400
},
"assessment": {
"land": 7300,
"total": 30700,
"building": 23400
}
},
{
"tax": 985,
"year": 2010,
"market": {
"land": 7300,
"total": 30700,
"building": 23400
},
"assessment": {
"land": 7300,
"total": 30700,
"building": 23400
}
},
{
"tax": 985,
"year": 2009,
"market": {
"land": 7300,
"total": 30700,
"building": 23400
},
"assessment": {
"land": 7300,
"total": 30700,
"building": 23400
}
},
{
"tax": 985,
"year": 2008,
"market": {
"land": 7300,
"total": 30700,
"building": 23400
},
"assessment": {
"land": 7300,
"total": 30700,
"building": 23400
}
}
],
"property_history": [
{
"date": "2026-01-22",
"price": 95000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-22T16:48:41Z",
"list_price": 95000,
"listing_id": "2990535064",
"last_update_date": "2026-02-16T07:54:47Z",
"last_status_change_date": "2026-01-22T16:48:41Z"
},
"event_name": "Listed",
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"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1737855",
"price_change_percentage": "+53.23%"
},
{
"date": "2022-05-10",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2021-08-10T17:35:58Z",
"list_price": 65000,
"listing_id": "2932890062",
"last_update_date": "2022-02-18T16:30:38Z",
"last_status_change_date": "2022-05-10T01:52:44Z"
},
"event_name": "Listing removed",
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"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1516204",
"price_change_percentage": null
},
{
"date": "2022-04-14",
"price": 62000,
"listing": null,
"event_name": "Sold",
"price_sqft": 93.51432880844645,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": "247 days",
"source_listing_id": null,
"price_change_percentage": "-11.43%"
},
{
"date": "2021-08-27",
"price": 65000,
"listing": {
"status": "off_market",
"list_date": "2021-08-10T17:35:58Z",
"list_price": 65000,
"listing_id": "2932890062",
"last_update_date": "2022-02-18T16:30:38Z",
"last_status_change_date": "2022-05-10T01:52:44Z"
},
"event_name": "Price Changed",
"price_sqft": 98.03921568627452,
"source_name": "WestPenn",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "1516204",
"price_change_percentage": null
},
{
"date": "2021-08-10",
"price": 70000,
"listing": {
"status": "off_market",
"list_date": "2021-08-10T17:35:58Z",
"list_price": 65000,
"listing_id": "2932890062",
"last_update_date": "2022-02-18T16:30:38Z",
"last_status_change_date": "2022-05-10T01:52:44Z"
},
"event_name": "Listed",
"price_sqft": 105.58069381598793,
"source_name": "WestPenn",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1516204",
"price_change_percentage": "+133.33%"
},
{
"date": "2019-02-27",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 749,
"listing_id": "615359533",
"last_update_date": "2019-02-20T21:58:08Z",
"last_status_change_date": "2019-02-27T02:26:39Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4549692",
"price_change_percentage": null
},
{
"date": "2019-02-23",
"price": 749,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 749,
"listing_id": "615359533",
"last_update_date": "2019-02-20T21:58:08Z",
"last_status_change_date": "2019-02-27T02:26:39Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4549692",
"price_change_percentage": null
},
{
"date": "2019-01-22",
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"listing": {
"status": "off_market",
"list_date": null,
"list_price": 749,
"listing_id": "615359533",
"last_update_date": "2019-02-20T21:58:08Z",
"last_status_change_date": "2019-02-27T02:26:39Z"
},
"event_name": "Price Changed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 749,
"days_after_listed": null,
"source_listing_id": "4549692",
"price_change_percentage": null
},
{
"date": "2019-01-14",
"price": 0,
"listing": {
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"list_date": null,
"list_price": 749,
"listing_id": "615359533",
"last_update_date": "2019-02-20T21:58:08Z",
"last_status_change_date": "2019-02-27T02:26:39Z"
},
"event_name": "Price Changed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": -749,
"days_after_listed": null,
"source_listing_id": "4549692",
"price_change_percentage": null
},
{
"date": "2018-12-20",
"price": 749,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 749,
"listing_id": "615359533",
"last_update_date": "2019-02-20T21:58:08Z",
"last_status_change_date": "2019-02-27T02:26:39Z"
},
"event_name": "Price Changed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": -51,
"days_after_listed": null,
"source_listing_id": "4549692",
"price_change_percentage": null
},
{
"date": "2018-12-02",
"price": 800,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 749,
"listing_id": "615359533",
"last_update_date": "2019-02-20T21:58:08Z",
"last_status_change_date": "2019-02-27T02:26:39Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4549692",
"price_change_percentage": null
},
{
"date": "2018-05-02",
"price": 30000,
"listing": null,
"event_name": "Sold",
"price_sqft": 45.248868778280546,
"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": "4936740385",
"generated_at": "2026-02-24T23:48:27.762114Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 69.5
},
"utility_allowance": {
"zip_code": "15210",
"home_photo": "https://ap.rdcpix.com/9f2d37f3d5a83f25e3f5372ac2de3545l-m2178363097s-w1280.jpg",
"rent_price": 1622.0,
"loan_amount": 76000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/711-Louisa-St_Pittsburgh_PA_15210_M49367-40385",
"bedroom_count": 1,
"interest_rate": 0.07,
"purchase_price": 95000.0,
"loan_term_years": 30,
"annual_cash_flow": 16455.73,
"mortgage_monthly": 505.63,
"payment_standard": 1914.0,
"total_amount_out": 19000.0,
"additional_photos": [
"https://ap.rdcpix.com/9f2d37f3d5a83f25e3f5372ac2de3545l-m3892750491s-w1280.jpg",
"https://ap.rdcpix.com/9f2d37f3d5a83f25e3f5372ac2de3545l-m2456788865s-w1280.jpg",
"https://ap.rdcpix.com/9f2d37f3d5a83f25e3f5372ac2de3545l-m4219772688s-w1280.jpg",
"https://ap.rdcpix.com/9f2d37f3d5a83f25e3f5372ac2de3545l-m2090634392s-w1280.jpg",
"https://ap.rdcpix.com/9f2d37f3d5a83f25e3f5372ac2de3545l-m3956957113s-w1280.jpg",
"https://ap.rdcpix.com/9f2d37f3d5a83f25e3f5372ac2de3545l-m1243961645s-w1280.jpg",
"https://ap.rdcpix.com/9f2d37f3d5a83f25e3f5372ac2de3545l-m1955585393s-w1280.jpg",
"https://ap.rdcpix.com/9f2d37f3d5a83f25e3f5372ac2de3545l-m725811772s-w1280.jpg",
"https://ap.rdcpix.com/9f2d37f3d5a83f25e3f5372ac2de3545l-m3410512125s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 25.92,
"monthly_cash_flow": 1371.31,
"property_tax_rate": 0.0168,
"_utility_allowance": {
"sources": [
"https://hacp.org/app/uploads/2025/10/2026-HCV-Utility-Allowance-Schedule.pdf",
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Standard utility for a residential property, allowance provided by the PHA schedule.",
"utility": "air_conditioning",
"allowance": 5
},
{
"note": "Selected 'electric' as it is the more expensive option on the schedule and is consistent with images of a modern kitchen.",
"utility": "cooking",
"allowance": 8
},
{
"note": "Heating fuel was not specified. Selected the most expensive option ('electric') from the schedule as per instructions.",
"utility": "heating",
"allowance": 81
},
{
"note": "This is a standard baseline electrical allowance for lights and general outlets.",
"utility": "other_electric",
"allowance": 42
},
{
"note": "A microwave is not listed as a provided appliance, so a tenant-supplied allowance is included as per the schedule.",
"utility": "range_microwave",
"allowance": 18
},
{
"note": "The property listing explicitly includes a refrigerator ('Inclusions: Refrigerator'), so no allowance is provided to the tenant.",
"utility": "refrigerator",
"allowance": 0
},
{
"note": "The property listing explicitly states 'Sewer: Public'.",
"utility": "sewer",
"allowance": 68
},
{
"note": "The utility allowance schedule does not provide a value for trash collection for this property type.",
"utility": "trash_collection",
"allowance": 0
},
{
"note": "The property listing explicitly states 'Water Source: Public'.",
"utility": "water",
"allowance": 46
},
{
"note": "Water heating fuel was not specified. Selected the most expensive option ('electric') from the schedule.",
"utility": "water_heating",
"allowance": 24
}
],
"cash_on_cash_return": 0.87,
"down_payment_amount": 19000.0,
"property_tax_annual": 750.87,
"property_tax_monthly": 62.57,
"property_tax_increase": 0.03,
"utility_allowance_total": 292.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hacp.org/app/uploads/2018/11/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2019/02/HUD_HCV_Guidebook_-_Calculating_Rent_and_HAP_Payments.pdf",
"https://hacp.org/app/uploads/2024/12/RA-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2024/12/Tiered-Payment-Standards-effective-1.1.25.pdf",
"https://hacp.org/app/uploads/2025/09/RA-Payment-Standard-effective-1.1.26-combined-1.pdf",
"https://hacp.org/app/uploads/2025/10/RA-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/app/uploads/2025/10/Tiered-Payment-Standard-effective-1.1.26-2.pdf",
"https://hacp.org/doing-business/landlord-resources/"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 10388.17,
"property_management_monthly": 162.2,
"monthly_cash_flow_after_debt": 865.68,
"cash_on_cash_return_after_debt": 0.55
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this small 1BR brick cottage appears cosmetically updated and largely rent-ready for a Section 8 HCV inspection after addressing a few straightforward items. The property shows recent interior upgrades, functioning refrigerator and visible thermostat, and a working smoke alarm in the main area. Primary inspection risks are limited detector coverage (smoke/CO in sleeping area), missing/unknown kitchen range, and an unguarded drop-off at the front entry that should be fixed to avoid a fail. Major structural or life-safety failures are not evident in the photos, but several mechanical systems (HVAC, water heater, electrical panel) were not shown and should be verified prior to move-in.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking LVP flooring in kitchen, refreshed cabinetry and countertops, clean paint, and carpeted living area. Kitchen appliance set includes refrigerator and microwave; there is no visible range/oven which reduces readiness moderately. Exterior brick shell appears intact; minor paint loss on the door awning and small concrete wear at the entry. Overall items visible are easy-to-fix cosmetic or appliance gaps rather than major structural repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "A hardwired or battery smoke detector is visible in the main area which is positive, and the entry door shows a secure lock (keypad). However: no visible carbon monoxide detector; only one smoke alarm visible (NSPIRE requires alarms on each level and sleeping area); kitchen sink area does not show a GFCI outlet (not verifiable from photos); there is a potentially unguarded drop-off at the right side of the front entry creating a fall hazard. No visible active water intrusion, mold, or major electrical hazards in photos, but bedroom egress and detectors in sleeping area are not shown and therefore uncertain."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 65.0,
"rationale": "No visible signs of roof failure or ceiling sagging in interior photos. A wall thermostat is present (indicates heating system), but the HVAC equipment, water heater, and electrical panel are not shown. Operating as an Airbnb suggests functioning heat and hot water, but lack of visible mechanical photos increases uncertainty. Electrical cords are present but no exposed live wiring is apparent in images."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick facade and roofline appear generally sound from the photos. The concrete approach and small porch area show typical wear; the left side has a railing but the right side of the entry shows a steep drop-off without a guardrail which is a safety/egress concern. Lot is small with on-street parking likely; no visible infestation or standing water. Overall exterior shows minor maintenance needs but no major envelope failure visible."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Unguarded drop-off at right side of front entry — potential fall hazard and likely NSPIRE fail if not guarded or signed.",
"No visible carbon monoxide detector shown; CO alarm required where applicable and especially if gas appliances are present.",
"Limited visible smoke detector coverage (only one visible in main area) — sleeping area detector not shown and may be required.",
"Mechanical systems (HVAC, water heater, electrical panel) not photographed — unknown condition representing inspection risk until verified."
],
"confidence": 0.65,
"assumptions": [
"Heating system and hot water are functional (thermostat visible and listing indicates active short-term rental).",
"No active roof leaks or significant hidden water intrusion (ceilings show no staining or sagging in interior photos).",
"Bedroom egress window exists and meets minimum size requirements (bedroom not pictured; assumed typical for a 1-bed unit).",
"Electrical panel and service are present and in working order though not shown.",
"No visible peeling paint or accessible lead-hazard surfaces despite year built (1935) — repainting risk exists but no peeling observed in photos.",
"Missing range/oven is not an immediate life-safety hazard but will be required for typical Section 8 tenancy unless otherwise acceptable per local admin."
],
"overall_score": 68.0,
"rubric_version": "2026-02-24-v1"
},
{
"summary": "Overall the property appears to be in good cosmetic condition and largely renovated inside, making it close to Section 8 / NSPIRE rentable after a short punch-list. Key positives: updated kitchen, new-looking finishes, working refrigerator, visible smoke detector and secure entry. Main inspection risks: unconfirmed carbon monoxide detector, unclear presence of GFCI protection in kitchen, bedroom egress and mechanical systems not visually verified, and an unguarded drop at the front stoop that could be cited. Expected outcome: likely passable with minor to moderate corrections (install/verify CO alarm, confirm/upgrade GFCI and egress, add guardrail) — overall readiness within ~1-4 weeks of addressing these items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently refreshed: new-looking LVP flooring in kitchen, updated cabinets, countertops, sink and faucet, fresh paint, carpeted living area in good visual condition. No visible major drywall damage, floor sagging or collapsed ceilings. Appliances: full-size refrigerator present but no visible range/oven or cooktop (microwave/coffee maker shown). Minor observable items (loose cords, small worn mat at entry). Missing stove/range would be an easy-to-fix capital item but reduces readiness moderately. Overall cosmetic condition is good; only minor repairs or appliance additions appear needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "A smoke detector is visible in the interior (living/kitchen area) and the entry has a secure-looking keyed lock. Windows and interior ceilings appear intact (no visible active leaks, mold, or sagging). However several NSPIRE items are not clearly present: no visible carbon monoxide alarm (likely required near sleeping area), GFCI receptacles near the kitchen sink are not identifiable, and bedroom egress window(s) cannot be confirmed from photos. Exterior front stoop shows an unguarded drop on the right side with no visible guardrail — this could be cited as an unsafe condition depending on local interpretation. There are visible extension/loose cords along baseboards (trip/electrical hazard). Because of those unknowns and the unguarded stoop, safety risk is moderate to significant."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "No visible evidence of active roof failure or structural sagging in photos; roof/gable looks intact from front elevation. There is a wall thermostat visible in the living area suggesting heating is present, and the unit is staged as an active short-term rental (listing claims Airbnb), which implies functioning heat/hot water/electrical systems. However no HVAC equipment, water heater or electrical panel is shown; plumbing fixtures (kitchen sink) appear functional. Due to lack of visible mechanical equipment and no documentation, I assume systems are operational but unverified — moderate risk remains until service confirmation."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Brick exterior appears sound with intact mortar and trim; property looks maintained with cleaned-up front area. Walkway/stoop area is functional but shows an exposed drop-off/edge at the right of the front stoop without a guardrail which is a safety concern. Snow coverage obscures full site review of grading/drainage, driveway and foundation exposure but no standing water or heavy exterior neglect is visible. Minor exterior site repairs (guardrail/handrail, step repair) likely required."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Potential missing carbon monoxide detector (not visible) — required in many jurisdictions near sleeping areas.",
"Possible lack of GFCI-protected outlets in kitchen (not identifiable in photos) — may be cited.",
"Ungarded drop at front stoop/side of entry (no guardrail on right) — potential safety/handrail citation.",
"No visible heating/HVAC or water heater equipment in photos (thermostat present) — system operation must be verified.",
"Extension/loose cords along baseboard in living area — trip/electrical hazard that should be remedied."
],
"confidence": 0.65,
"assumptions": [
"Listing description that the property is operating as an Airbnb indicates it has been occupied recently and systems (heat, hot water, electrical) are likely functional, but public rental event data in the snapshot shows no events in last 5 years so recent rental history is not certified.",
"Heating, hot water and electrical service are assumed operational because interior is staged and furnished; no visible active leaks, water stains or cold-weather damage.",
"No visible roof sagging, foundation cracks, or collapsed ceilings in provided photos; assume no major structural defects unless revealed by an interior inspection or municipal records.",
"Kitchen GFCI and carbon monoxide alarm are not visible in photos — assume they may be missing until confirmed.",
"Bedroom window(s) and exact egress dimensions are not shown; assume typical 1935 single-family bedroom windows exist but must be confirmed for egress compliance."
],
"overall_score": 69.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 1-bedroom brick cottage appears largely turnkey for a Housing Choice Voucher move-in after minor verifications and small fixes. The interior is recently updated cosmetically and staged, smoke alarm and keyed/deadbolt are present, and the exterior looks sound. Key on-site verifications needed: presence and operation of heating and hot water systems, condition and labeling of electrical panel, CO alarm, GFCI protection in kitchen/bath, and confirmation of bedroom egress dimensions. Missing built-in range/oven is a moderate rental-readiness item to resolve for a long-term lease. With those verifications and likely small fixes (install CO alarm, confirm/upgrade GFCI, install/confirm stove if required by lease), the home should pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior appears recently renovated: new-looking kitchen cabinets, countertop, faucet, vinyl plank flooring and fresh paint. Carpeting in living area looks clean and staged. No obvious drywall or flooring failures visible. Missing built-in range/oven (only a microwave and fridge are shown) — absence of a stove reduces turnkey readiness moderately but is not a structural issue. Minor cosmetic items (small trim scuffs, door wear) visible but repair-easy."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "A hardwired/plug-in smoke alarm is visible in the living/kitchen area and the entry door shows a keypad/deadbolt which is positive for security. No visible CO alarm in photos. GFCI protection at kitchen outlets is not clearly visible. Windows present in living room and kitchen; bedroom egress can't be fully confirmed from images (windows appear small but likely adequate for a 1-bedroom cottage). No visible exposed high-voltage wiring or open electrical splices in photos; there are low-risk extension/TV cords visible. No active leaks, mold staining, or collapsed ceilings observed. Entry step has no visible handrail, but appears to be a single low step; if multiple steps/grade change exists a handrail may be required. Overall some NSPIRE items (CO alarm, GFCI, egress verification, electrical panel/labels) will need on-site verification/possible fixes."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Kitchen plumbing and modern faucet appear functional and in good cosmetic condition. Thermostat is visible in the living room indicating a heating/control system is present, but the actual HVAC equipment (furnace/AC), water heater and electrical panel are not shown and require verification. Roof/gable visible from front appears in serviceable condition with intact trim and gutters present, but full roof condition and drainage cannot be confirmed from photos. No visible water heater, furnace, or panel access was shown; these are the primary mechanical unknowns that moderate the score."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Brick exterior looks sound with straight mortar lines and no obvious large cracks. Gable and eaves show minor paint wear but appear intact; gutters are present. Front stoop and small porch area are functional though there is no handrail (stoop looks low single-step). Yard and neighboring context show a dense urban lot with paved frontage; there is a slope/drive area at the right side that shows some erosion/grade but no standing water or major foundation exposure visible. No signs of infestation or substantial exterior deferred maintenance in the provided images."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing text claiming active Airbnb is accurate and indicates recent rentals despite the rental_history_last_5y JSON showing 0 events.",
"Heating system exists (thermostat visible) and is functional, but the actual equipment (furnace/boiler, water heater) was not photographed and must be verified.",
"No major roof failures exist beyond what is visible from the front elevation photo; full roof not inspected in photos.",
"Bedroom egress window(s) meet minimum height/size for egress or would require only minor remediation; exact dimensions not shown.",
"GFCI outlets and CO detector are not visible in photos and therefore provision/operation is unknown and will require on-site verification.",
"Front entry is a low single-step; if multiple steps or greater rise exists, handrail requirement could trigger a repair item."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "711 Louisa St, Pittsburgh, PA, 15210",
"aggregate": {
"summary": "Overall this small 1BR brick cottage appears cosmetically updated and largely rent-ready for a Section 8 HCV inspection after addressing a few straightforward items. The property shows recent interior upgrades, functioning refrigerator and visible thermostat, and a working smoke alarm in the main area. Primary inspection risks are limited detector coverage (smoke/CO in sleeping area), missing/unknown kitchen range, and an unguarded drop-off at the front entry that should be fixed to avoid a fail. Major structural or life-safety failures are not evident in the photos, but several mechanical systems (HVAC, water heater, electrical panel) were not shown and should be verified prior to move-in.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Interior photos show recent cosmetic updates: new-looking LVP flooring in kitchen, refreshed cabinetry and countertops, clean paint, and carpeted living area. Kitchen appliance set includes refrigerator and microwave; there is no visible range/oven which reduces readiness moderately. Exterior brick shell appears intact; minor paint loss on the door awning and small concrete wear at the entry. Overall items visible are easy-to-fix cosmetic or appliance gaps rather than major structural repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 71.7,
"rationale": "Brick facade and roofline appear generally sound from the photos. The concrete approach and small porch area show typical wear; the left side has a railing but the right side of the entry shows a steep drop-off without a guardrail which is a safety/egress concern. Lot is small with on-street parking likely; no visible infestation or standing water. Overall exterior shows minor maintenance needs but no major envelope failure visible."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 61.7,
"rationale": "A hardwired or battery smoke detector is visible in the main area which is positive, and the entry door shows a secure lock (keypad). However: no visible carbon monoxide detector; only one smoke alarm visible (NSPIRE requires alarms on each level and sleeping area); kitchen sink area does not show a GFCI outlet (not verifiable from photos); there is a potentially unguarded drop-off at the right side of the front entry creating a fall hazard. No visible active water intrusion, mold, or major electrical hazards in photos, but bedroom egress and detectors in sleeping area are not shown and therefore uncertain."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 65.0,
"rationale": "No visible signs of roof failure or ceiling sagging in interior photos. A wall thermostat is present (indicates heating system), but the HVAC equipment, water heater, and electrical panel are not shown. Operating as an Airbnb suggests functioning heat and hot water, but lack of visible mechanical photos increases uncertainty. Electrical cords are present but no exposed live wiring is apparent in images."
}
],
"red_flags": [
"Unguarded drop-off at right side of front entry — potential fall hazard and likely NSPIRE fail if not guarded or signed.",
"No visible carbon monoxide detector shown; CO alarm required where applicable and especially if gas appliances are present.",
"Limited visible smoke detector coverage (only one visible in main area) — sleeping area detector not shown and may be required.",
"Mechanical systems (HVAC, water heater, electrical panel) not photographed — unknown condition representing inspection risk until verified."
],
"confidence": 0.92,
"assumptions": [
"Heating system and hot water are functional (thermostat visible and listing indicates active short-term rental).",
"No active roof leaks or significant hidden water intrusion (ceilings show no staining or sagging in interior photos).",
"Bedroom egress window exists and meets minimum size requirements (bedroom not pictured; assumed typical for a 1-bed unit).",
"Electrical panel and service are present and in working order though not shown.",
"No visible peeling paint or accessible lead-hazard surfaces despite year built (1935) — repainting risk exists but no peeling observed in photos.",
"Missing range/oven is not an immediate life-safety hazard but will be required for typical Section 8 tenancy unless otherwise acceptable per local admin."
],
"score_method": "mean_of_criteria",
"overall_score": 69.5,
"rubric_version": "2026-02-24-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4936740385"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.