Property ID: 4941919921
920 Cooper St, Kenton, OH, 43326
Kenton, OH
Money Down: $28,272
CoC Return: -2.88%
Monthly Cash Flow: $-68
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,560
Closing Costs
$4,712
Total Down
$28,272
Investment Snapshot
Purchase Price
$117,800
Money Down
$28,272
Cash-on-Cash Return
-2.88%
Rent
$756
Monthly Cash Flow
$-68
Annual Cash Flow
$-814
Debt Service / Mo
$627
Property Tax / Mo
$85
Insurance / Mo
$36
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$756
Payment Standard
$973
Rent
$756
Insurance
$36
Property Tax
$85
Management
$76
Utilities Allowance
$217
NOI (Monthly)
$559
Debt Service
$627
Cash Flow After Debt
$-68
Quality Score: 71.50%
Confidence: 90.00%
This 2-bed ranch appears mostly turnkey for a Section 8/HCV initial inspection with primarily cosmetic and minor maintenance items. Major systems (HVAC, roof, plumbing) appear present and serviceable from photos; appliances are included. Key NSPIRE risks that should be confirmed and/or corrected before inspection include visible, functioning smoke detectors and CO detectors (as required), GFCI protection for kitchen/bath outlets, and verification of the electrical panel and water heater condition. With those items confirmed or remedied (generally quick fixes), the property is likely to pass an initial inspection within 1–4 weeks.
Section 8 Payment Standard
$973
Utility Allowance Total
$217
Guaranteed Section 8 Rent (PS - Utilities)
$756
Property Management
$76
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$117,800
Beds
2
Baths
1
Living Area
884 sqft
Lot Size
—
Year Built
—
Days on Market
135
Capital Outlay
$28,272
Debt Service
$627
Property Tax / Mo
$85
Insurance / Mo
$36
Property Description
Charming Ranch Home for Sale in Kenton! Discover comfort, convenience, and easy living in this well-kept 2 bedroom, 1 full bath ranch-style home located in a quiet Kenton neighborhood. Perfect for first-time buyers, downsizers, or anyone looking for a cozy space to call their own. Step inside to find a bright and inviting layout with central air, ensuring year-round comfort. The home features an efficient floor plan, spacious bedrooms, and a clean, functional bathroom. Outside, enjoy the benefits of a large yardideal for gardening, entertaining, pets, or future outdoor projects. Whether you're looking to relax in the sunshine or create your dream backyard, this property provides endless possibilities. Key Features: Ranch-style, one-level living 2 comfortable bedrooms 1 full bath Central air conditioning. Spacious lot with a large yard. Convenient Kenton location close to schools, shopping, and parks. Don't miss your chance to make this charming home yours!
Utility Allowances
Heating
$61
Property has 'Forced Air' heating, which is typically powered by natural gas. Natural gas was selected as the most consistent fuel type.
Other Electric
$32
A standard allowance for miscellaneous electric usage (lights, outlets) for a tenant in a single-family home.
Sewer
$29
The property is connected to a public sewer system as stated in the listing.
Water
$26
The property is connected to a public water source as stated in the listing.
Trash Collection
$25
Standard allowance for trash collection service at a single-family home.
Water Heating
$33
The fuel for water heating is not specified. Between the common options of natural gas and electric, electric has a higher allowance and was selected as per the rules.
Cooking
$11
Property includes an oven. The fuel type is not specified. Electric was chosen as it is a common fuel type and is the more expensive option compared to natural gas on the schedule.
Air Conditioning
$0
Property has central air, but the utility schedule provides a null value for all bedroom counts for this utility. An allowance of $0 is assumed.
Range
$0
The property provides an oven, so the tenant does not receive an allowance for a tenant-owned range. The cost to power the appliance is included in the 'Cooking' and 'Other Electric' allowances.
Refrigerator
$0
The property provides a refrigerator, so the tenant does not receive an allowance for a tenant-owned refrigerator. The cost to power the appliance is included in the 'Other Electric' allowance.
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$425
DP3 Annual Estimate$444
DP1 Monthly Equivalent$35
DP3 Monthly Equivalent$37
Replacement Value$50,630
Basis884 sqft / 1980
Nearby Houses
Photo unavailable
Address unavailable
sold · 0.03 mi
Price: $79,000
1 bd / 1 ba · 588 sqft
Latest sale: $79,000
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.04 mi
Price: $60,000
3 bd / 1 ba · 1,320 sqft
Latest sale: $60,000
Latest rent: —
Photo unavailable
930 Vernon St
sold · 0.05 mi
Price: $80,000
3 bd / 2 ba · 1,404 sqft
Latest sale: $80,000 on May 20, 2020
Latest rent: —
Photo unavailable
501 East St
sold · 0.07 mi
Price: $159,400
3 bd / 1 ba · 1,008 sqft
Latest sale: $159,400 on Jul 31, 2024
Latest rent: —
Photo unavailable
828 Lick St
sold · 0.12 mi
Price: $90,000
3 bd / 1 ba · 864 sqft
Latest sale: $90,000 on Dec 22, 2021
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.13 mi
Price: $56,200
2 bd / 1 ba · 844 sqft
Latest sale: $56,200
Latest rent: —
Photo unavailable
321 Madison St
sold · 0.14 mi
Price: $89,500
3 bd / 1 ba · 1,452 sqft
Latest sale: $89,500 on Sep 22, 2022
Latest rent: —
Photo unavailable
319 Scioto St
sold · 0.15 mi
Price: $100,000
2 bd / 1 ba · 1,094 sqft
Latest sale: $100,000 on Jul 21, 2021
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.16 mi
Price: $38,000
3 bd / 1 ba · 1,294 sqft
Latest sale: $38,000
Latest rent: —
Photo unavailable
820 King St
for_sale · 0.16 mi
Price: $49,000
3 bd / 1 ba · 1,208 sqft
Latest sale: $95,000 on Jun 21, 2024
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide detectors in interior photos (NSPIRE critical).
- No visible GFCI protection on kitchen countertop outlets (NSPIRE/GFCI requirement).
- Electrical panel not shown — condition and labeling unknown (inspection risk).
- Water heater and furnace/air handler not photographed — major system condition unverified.
Assumptions
- Central air/forced-air heating is present and operational (floor vents visible in photos).
- Water heater and electrical panel exist inside the building and are functional but were not photographed.
- Smoke detectors and carbon monoxide detectors are not visible in photos and may be missing or not shown; assume not confirmed.
- Kitchen countertop outlets near the sink are standard outlets with no visible GFCI devices; assume GFCI protection may be missing.
- Bedrooms have compliant egress windows (not all bedrooms were photographed).
- No active roof leaks or interior water intrusion are present — no staining or interior water damage observed in photos.
- No evidence of severe pest infestation, asbestos or lead hazard was visible in photos (age unknown).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $991 | $63,570 | $22,250 |
| 2024 | $997 | $63,570 | $22,250 |
| 2023 | $937 | $63,570 | $22,250 |
| 2022 | $752 | $44,630 | $15,620 |
| 2021 | $754 | $44,630 | $15,620 |
| 2020 | $658 | $44,630 | $15,620 |
| 2019 | $540 | $37,570 | $13,150 |
| 2018 | $540 | $37,570 | $13,150 |
| 2017 | $534 | $37,570 | $13,150 |
| 2016 | $511 | $37,600 | $13,160 |
| 2015 | $345 | $26,690 | $9,340 |
| 2014 | $344 | $26,690 | $9,340 |
| 2013 | $383 | $28,510 | $9,980 |
| 2012 | $381 | $28,510 | $9,980 |
| 2011 | $383 | $28,510 | $9,980 |
| 2009 | $338 | $28,910 | $10,120 |
| 2008 | $327 | $28,910 | $10,120 |
| 2006 | $313 | $27,510 | $9,630 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-25 | Listed | $117,800 |
| 2014-02-25 | Sold | $35,000 |
| 2003-08-29 | Sold | $23,500 |
Photo Gallery
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"summary": "This 2-bed ranch appears mostly turnkey for a Section 8/HCV initial inspection with primarily cosmetic and minor maintenance items. Major systems (HVAC, roof, plumbing) appear present and serviceable from photos; appliances are included. Key NSPIRE risks that should be confirmed and/or corrected before inspection include visible, functioning smoke detectors and CO detectors (as required), GFCI protection for kitchen/bath outlets, and verification of the electrical panel and water heater condition. With those items confirmed or remedied (generally quick fixes), the property is likely to pass an initial inspection within 1–4 weeks.",
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"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, standing water, or severe mold). Floor registers indicate a forced-air system; entry doors appear secure and the main entry shows a lock. However, smoke and CO detectors are not visible in any photos (required), kitchen outlets adjacent to the sink show standard receptacles with no visible GFCI devices (GFCI required for kitchen counter outlets), and the electrical panel is not shown. Egress windows appear adequate from photos but bedrooms are not pictured directly. These unknowns raise moderate NSPIRE inspection risk."
},
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"label": "Major systems condition (HVAC, roof, plumbing, electrical)",
"score": 65.0,
"rationale": "Listing and photos indicate central air and floor vents (suggesting heating present). Roof shingles look intact from available angles, siding/gutters appear functional, and kitchen plumbing appears normal with a double sink. Appliances (gas range) are present and look operable. Critical systems (electrical panel, water heater, furnace) are not pictured so condition is assumed serviceable; absence of visible deterioration reduces severity but leaves some uncertainty."
},
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"Water heater and furnace/air handler not photographed — major system condition unverified."
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"Water heater and electrical panel exist inside the building and are functional but were not photographed.",
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"Kitchen countertop outlets near the sink are standard outlets with no visible GFCI devices; assume GFCI protection may be missing.",
"Bedrooms have compliant egress windows (not all bedrooms were photographed).",
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"No evidence of severe pest infestation, asbestos or lead hazard was visible in photos (age unknown)."
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"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos show a generally well-kept interior and exterior: intact siding, painted walls, intact cabinetry and flooring (carpet) present. Kitchen has a gas range and refrigerator in photos. Cosmetic wear is visible (scuffed trim, older cabinet faces, carpet wear, concrete stoop with minor spalling) but no obvious major deferred maintenance. Missing minor items (outlet covers, light covers not evident) are repairable. Overall minor repairs and cosmetic updates expected before tenancy."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No visible smoke detectors or carbon monoxide alarm in interior photos (risk for initial inspection). Kitchen outlets shown are standard; no GFCI outlets visible near sink (likely required). Windows appear to provide egress from front rooms, but bedroom egress not visible in photos. Exterior and entry doors appear secure; front entry has a knob and likely deadbolt (not clearly shown). No exposed wiring or collapsed ceilings observed. Because critical safety devices (smoke/CO) and GFCI are not shown, there is moderate NSPIRE risk even though no obvious life-threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 65.0,
"rationale": "Listing states central air and photos show floor vents, suggesting a forced-air system exists. Roof shingles and gutters look serviceable from photos with no visible roof sag or active leaks. Kitchen plumbing appears functional (double sink). Electric meter and service conduit are visible externally but the electrical panel was not photographed. Water heater and furnace are not shown. Because major system components are implied but not confirmed (no water heater/furnace/panel photos), the score reflects likely functional systems but with some inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Large, level yard with gravel driveway and detached 2-car garage present. Vinyl siding appears in good condition; foundation block visible with no obvious major cracks. Walkways and concrete stoops show minor cracking and surface spalling but are usable. Tree close to the house may have roots near foundation but no visible severe damage. Overall the exterior and site are tidy and pose low to moderate inspection risk."
}
],
"red_flags": [
"No visible smoke detectors in interior photographs (required for NSPIRE).",
"No visible carbon monoxide alarm (likely required when gas appliances present).",
"No GFCI outlets visible in kitchen near sink (possible code/NSPIRE failure).",
"Key mechanical components not photographed (water heater, furnace, electrical panel) — inability to verify these prior to inspection increases risk.",
"Concrete stoop shows spalling and cracking (trip/fall concern) though not catastrophic."
],
"confidence": 0.6,
"assumptions": [
"Central air / forced-air heating exists as stated in the listing; vents visible imply ducted HVAC but furnace and water heater locations are not shown.",
"Kitchen gas range and refrigerator shown in photos are present and operational or can be made operational with minor service.",
"Smoke and carbon monoxide alarms are not visible in the photos; assume they are not installed or not in locations required by NSPIRE unless provided prior to inspection.",
"Electrical panel condition is unknown because it was not photographed; assume service is modern enough to be safe but may require verification.",
"Year built is unknown; the house style suggests it may be older than 1978 — assume potential lead-paint risk until owner confirms year and lead disclosures.",
"No interior mold, active leaks, or structural movement were visible in photos; assume none present unless disclosed or discovered in an in-person inspection."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely turnkey and likely to pass a Housing Choice Voucher (NSPIRE) initial inspection after a short punch-list. The home shows good exterior envelope, present appliances, and intact interior finishes. Primary inspection risks are missing/undocumented smoke detectors and carbon monoxide alarm(s), lack of visibly confirmed GFCI protection at kitchen sink, and unphotographed mechanicals (water heater, electrical panel, HVAC operational verification). With installation/verification of detectors and GFCI protection plus a brief mechanical check, this should be rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show a generally well-maintained small ranch: intact vinyl siding, painted interior, carpeted living areas, kitchen with functioning stove and refrigerator present, cabinets and counters serviceable though showing wear. Concrete stoops and steps are intact but show minor spalling. No visible collapsed ceilings, major drywall damage, or exposed subfloor. Missing/updating items are primarily cosmetic or small capital repairs (cabinet touch-up, minor concrete repair, possible replacement of a few light fixtures or outlet covers). Presence of appliances reduces penalty for missing items. Overall turn-key cosmetically with minor repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No active life‑threatening hazards visible (no collapsed ceilings, standing water, or large foundation movement). Egress windows appear present in front rooms. Exterior electrical meter and service appear intact. However, no smoke detectors or carbon monoxide alarm are visible in interior photos (required by NSPIRE/local HCV), and GFCI protection at kitchen counters / sink is not visible in photos. Porch/entry has short railings but steps are few risers and appear stable. Because smoke detectors/CO and GFCI are commonly required for inspection and are not shown, this reduces the safety score even though there are no visible major structural hazards."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Listing states central air and interior photos show floor registers suggesting forced air heating/cooling; range, hood and refrigerator are present. Roof and shingles visible in photos appear intact with no obvious sag or active leaks. Exterior meter and service cable look properly attached. Water heater and electrical panel not photographed, so their condition is unknown. Given the visible evidence of central air and intact roof and service, major system risk appears moderate but unverified items (water heater, panel labeling, operational HVAC) reduce the score."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Yard is large and appears level with usable outdoor space; gravel driveway and detached garage present. Vinyl siding looks in good repair and gutters are present. Concrete walkways and stoops have minor wear but are serviceable. No obvious drainage or erosion issues visible from photos; no evidence of termite/infestation or heavy exterior neglect. Tree close to house may require routine maintenance but is not currently a structural problem."
}
],
"red_flags": [
"No visible smoke detectors in interior photos (required by NSPIRE/HCV) — potential fail if absent/operable units not provided.",
"No visible carbon monoxide alarm (required where fuel-burning appliances are present) — may be required.",
"GFCI outlets at kitchen counters / sink not observed — may cause an inspector fail if not installed or functioning."
],
"confidence": 0.6,
"assumptions": [
"Central air indicated in listing is operational; floor registers visible are connected to working HVAC.",
"Stove and refrigerator shown in photos are included and functional.",
"No smoke detectors or CO alarms are visible in photos — assume they are not installed or not visible/operable and will need verification or installation.",
"GFCI protection at kitchen counters and bathroom outlets is not visible in photos and may be absent; assume inspection will require GFCI if not present.",
"Electrical service and meter appear intact; the electrical panel and labeling were not photographed and their condition is assumed typical/repairable unless inspection reveals hazards.",
"No active roof leaks or interior water damage are visible; assumption is that roof is watertight based on photos but an up-close inspection may be needed.",
"Foundation appears intact with only minor visible wear; assume no significant foundation movement unless an inspector documents otherwise.",
"No visible mold, major pest infestation, or hazardous materials were observed in provided photos."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "920 Cooper St, Kenton, OH, 43326",
"aggregate": {
"summary": "This 2-bed ranch appears mostly turnkey for a Section 8/HCV initial inspection with primarily cosmetic and minor maintenance items. Major systems (HVAC, roof, plumbing) appear present and serviceable from photos; appliances are included. Key NSPIRE risks that should be confirmed and/or corrected before inspection include visible, functioning smoke detectors and CO detectors (as required), GFCI protection for kitchen/bath outlets, and verification of the electrical panel and water heater condition. With those items confirmed or remedied (generally quick fixes), the property is likely to pass an initial inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 77.7,
"rationale": "Interior and exterior photos show a generally well-maintained small ranch with intact siding, painted walls, functioning doors/windows and present appliances (stove, refrigerator). Flooring and trim are cosmetically clean; kitchen cabinetry is older but serviceable. Minor exterior concrete spalling on stoops and small cosmetic wear (carpet staining, trim scuffs) are visible. No missing major items; missing/aged finishes are primarily cosmetic and easy-to-fix or capital-only."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 78.3,
"rationale": "Large, level yard and gravel drive with detached garage provide good site amenities. Vinyl siding, foundation block and gutters appear intact; no visible major foundation settlement or roof sagging. Concrete walks/stoops show minor wear and one front stoop has no handrail (low rise). Overall exterior shows routine upkeep with only minor maintenance needed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 63.3,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, standing water, or severe mold). Floor registers indicate a forced-air system; entry doors appear secure and the main entry shows a lock. However, smoke and CO detectors are not visible in any photos (required), kitchen outlets adjacent to the sink show standard receptacles with no visible GFCI devices (GFCI required for kitchen counter outlets), and the electrical panel is not shown. Egress windows appear adequate from photos but bedrooms are not pictured directly. These unknowns raise moderate NSPIRE inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, roof, plumbing, electrical)",
"score": 66.7,
"rationale": "Listing and photos indicate central air and floor vents (suggesting heating present). Roof shingles look intact from available angles, siding/gutters appear functional, and kitchen plumbing appears normal with a double sink. Appliances (gas range) are present and look operable. Critical systems (electrical panel, water heater, furnace) are not pictured so condition is assumed serviceable; absence of visible deterioration reduces severity but leaves some uncertainty."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos (NSPIRE critical).",
"No visible GFCI protection on kitchen countertop outlets (NSPIRE/GFCI requirement).",
"Electrical panel not shown — condition and labeling unknown (inspection risk).",
"Water heater and furnace/air handler not photographed — major system condition unverified."
],
"confidence": 0.9,
"assumptions": [
"Central air/forced-air heating is present and operational (floor vents visible in photos).",
"Water heater and electrical panel exist inside the building and are functional but were not photographed.",
"Smoke detectors and carbon monoxide detectors are not visible in photos and may be missing or not shown; assume not confirmed.",
"Kitchen countertop outlets near the sink are standard outlets with no visible GFCI devices; assume GFCI protection may be missing.",
"Bedrooms have compliant egress windows (not all bedrooms were photographed).",
"No active roof leaks or interior water intrusion are present — no staining or interior water damage observed in photos.",
"No evidence of severe pest infestation, asbestos or lead hazard was visible in photos (age unknown)."
],
"score_method": "mean_of_criteria",
"overall_score": 71.5,
"rubric_version": "2026-02-NSPIRE-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4941919921"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.