Property ID: 5378763097
177 Juniper St, McDavid, FL, 32568
McDavid, FL
Money Down: $26,400
CoC Return: 46.21%
Monthly Cash Flow: $1,017
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
46.21%
Rent
$2,027
Monthly Cash Flow
$1,017
Annual Cash Flow
$12,200
Debt Service / Mo
$585
Property Tax / Mo
$105
Insurance / Mo
$117
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,027
Payment Standard
$2,380
Rent
$2,027
Insurance
$117
Property Tax
$105
Management
$203
Utilities Allowance
$353
NOI (Monthly)
$1,602
Debt Service
$585
Cash Flow After Debt
$1,017
Quality Score: 57.50%
Confidence: 83.00%
Moderate Section 8 / NSPIRE inspection risk. The home has fresh paint and new flooring in places and is cosmetically improved, but there are several inspection items that must be addressed before a typical initial voucher inspection will pass: verify and repair any active water leaks, install/verify required smoke and CO detectors, complete kitchen repairs and appliance installation, verify GFCI protection and electrical panel integrity, and confirm HVAC and hot-water systems are operational. Expect 30–60 days and moderate repair costs to reach compliance. No evidence of catastrophic structural failure in photos, but ceiling staining is a key defect to investigate.
Section 8 Payment Standard
$2,380
Utility Allowance Total
$353
Guaranteed Section 8 Rent (PS - Utilities)
$2,027
Property Management
$203
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
4
Baths
2
Living Area
1,500 sqft
Lot Size
24,394 sqft
Year Built
2001
Days on Market
180
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$105
Insurance / Mo
$117
Property Description
Looking for a property with acreage along with a property that you can add your own personal touches to? Then look no further. * This property just got a fresh coat of paint throughout the interior of the home as well as some new flooring.* Did I mention the two living room areas that this property also encompasses? I could go on and on with more details, but this is one you must see to believe. Call to schedule your appointment today before this one slips away. *Buyer to verify room info, room dimensions, tax and school information.*
Utility Allowances
Air Conditioning
$66
The property includes central air conditioning.
Cooking
$17
Selected electric cooking as the property's water heater is electric, implying an all-electric setup.
Heating
$34
The property has central heating, and an all-electric setup is assumed based on other appliances.
Monthly Electric Fee
$11
A standard monthly service fee for properties with electric service.
Monthly Gas Fee
$0
The property appears to be all-electric, so no natural gas service fee is required.
Other Electric
$85
This covers general electricity usage for lights and tenant appliances.
Range (Tenant Supplied)
$11
A range/oven is not listed as a provided appliance and is presumed to be supplied by the tenant.
Refrigerator (Tenant Supplied)
$12
A refrigerator is not listed as a provided appliance and is presumed to be supplied by the tenant.
Sewer
$0
Inferred that the property uses a septic system due to its rural location and information from a nearby property listing; no public sewer cost is anticipated.
Trash Collection
$32
Trash collection is a standard utility for a single-family residence.
Water
$49
Public water service is assumed based on information from nearby property listings.
Water Heater
$36
The property listing explicitly states it has an electric water heater.
Source References
Payment Standard Source
Effective Date:
Aug 01, 2025
/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/payment/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf
/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/utility/DocumentCenter_View_2218_Chapter-9---Utility-Estimate-Schedule-and-Payment-Standards-PDF.raster.pdf
https://www.cityofpensacola.com/DocumentCenter/View/27843
https://www.pensacolahousing.org/DocumentCenter/View/2218/Chapter-9---Utility-Estimate-Schedule-and-Payment-Standards-PDF.pdf
https://www.pensacolahousing.org/DocumentCenter/View/26772/08012024-Utility-Allowance-Schedule.pdf
https://www.pensacolahousing.org/DocumentCenter/View/27324/Updated-Payment-Standard-Utility-Allowance-Schedule-MF.pdf
https://www.pensacolahousing.org/DocumentCenter/View/27843/08012025-Utility-Allowance-Schedule-.pdf
Utility Allowance Source
Effective Date:
Aug 01, 2025
/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/payment/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf
/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/utility/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,403
DP3 Annual Estimate$1,403
DP1 Monthly Equivalent$117
DP3 Monthly Equivalent$117
Replacement Value$68,309
Basis1,500 sqft / 2001
Nearby Houses
Photo unavailable
6040 Wiley Ln
for_sale · 0.05 mi
Price: $29,900
2 bd / 1 ba · 720 sqft
Latest sale: —
Latest rent: —
Photo unavailable
100 N Cypress St
sold · 0.12 mi
Price: $45,000
— bd / — ba
Latest sale: $45,000 on Oct 08, 2025
Latest rent: —
Photo unavailable
Juniper St
sold · 0.18 mi
Price: $8,480
— bd / — ba
Latest sale: $8,480
Latest rent: —
Photo unavailable
100 Juniper St
sold · 0.24 mi
Price: $17,760
— bd / — ba
Latest sale: $17,760
Latest rent: —
Photo unavailable
35 N Cypress St
for_sale · 0.27 mi
Price: $90,000
3 bd / 2 ba · 1,500 sqft
Latest sale: —
Latest rent: —
Photo unavailable
8079 Pine Forest Rd
sold · 0.29 mi
Price: $29,000
— bd / — ba
Latest sale: $29,000
Latest rent: —
Photo unavailable
Juniper St
sold · 0.31 mi
Price: $18,000
— bd / — ba
Latest sale: $18,000
Latest rent: —
Photo unavailable
70 Juniper St
for_sale · 0.37 mi
Price: $25,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
Pine Forest Rd
sold · 0.38 mi
Price: $150,000
— bd / — ba
Latest sale: $150,000
Latest rent: —
Photo unavailable
6000 Arthur Brown Rd
sold · 0.48 mi
Price: $212,000
3 bd / 2 ba · 1,148 sqft
Latest sale: $212,000 on May 31, 2024
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Ceiling staining/patching visible in living area — indicates past (possibly active) water intrusion / potential roof or plumbing leak
- No visible smoke detectors or CO alarms in photos (NSPIRE requires working detectors)
- Kitchen shows missing/removed appliances and damaged/absent cabinet sections that prevent functional cooking area
- Skirting has gaps/exposed undercarriage visible — pest entry and ventilation concerns until sealed
Assumptions
- Photos represent the full interior condition and there are no additional unseen areas with major damage.
- Central HVAC exists and is connected (ceiling vents visible) but its operational condition is unknown; assume service/verification required.
- Water heater and electrical panel are present somewhere on site but not shown; their condition is unknown and assumed typical for a 2001 manufactured home until proven otherwise.
- No smoke or carbon monoxide detectors are installed or they are not visible in photos; installation will be required if missing.
- Appliances (range/stove) are currently missing or removed based on kitchen photos; landlord will supply or install prior to tenancy.
- Ceiling stains indicate prior water intrusion; assume potential roof or plumbing source that needs investigation but not necessarily active leakage at time of listing photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,226 | $74,581 | $74,581 |
| 2023 | $154 | $2,420 | $2,049 |
| 2022 | $150 | $1,863 | $1,863 |
| 2021 | $151 | $1,863 | $1,863 |
| 2020 | $150 | $1,863 | $1,863 |
| 2019 | $150 | $1,863 | $1,863 |
| 2018 | $41 | $1,863 | $1,863 |
| 2017 | $41 | $1,863 | $1,863 |
| 2016 | $42 | $1,863 | $1,863 |
| 2015 | $39 | $1,863 | $1,863 |
| 2014 | $37 | $1,863 | $1,863 |
| 2013 | $39 | $1,863 | $1,863 |
| 2012 | $39 | $1,863 | $1,863 |
| 2011 | $39 | $1,863 | $1,863 |
| 2010 | $38 | $1,863 | $1,863 |
| 2009 | $104 | $1,862 | $1,863 |
| 2008 | $102 | $1,788 | $1,789 |
| 2007 | $105 | $1,860 | $1,860 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-05 | Price Changed | $110,000 |
| 2026-02-21 | Price Changed | $99,000 |
| 2025-12-18 | Listed | $117,000 |
| 2025-09-18 | Sold | $63,000 |
| 2025-06-03 | Price Changed | $80,000 |
| 2025-04-18 | Price Changed | $90,000 |
| 2025-03-11 | Price Changed | $95,000 |
| 2025-01-15 | Price Changed | $105,000 |
| 2025-01-03 | Relisted | $110,000 |
| 2025-01-01 | Listing removed | $0 |
| 2024-12-31 | Listing removed | $0 |
| 2024-11-08 | Price Changed | $110,000 |
| 2024-11-08 | Price Changed | $110,000 |
| 2024-10-02 | Listed | $115,000 |
| 2024-10-02 | Listed | $115,000 |
| 2024-08-30 | Listing removed | $0 |
| 2024-05-31 | Listed | $109,900 |
Photo Gallery
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"price_sqft": 60,
"source_name": "Pensacola",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "653275",
"price_change_percentage": null
},
{
"date": "2025-03-11",
"price": 95000,
"listing": {
"status": "sold",
"list_date": "2024-10-02T20:16:44Z",
"list_price": 80000,
"listing_id": "2973156439",
"last_update_date": "2025-09-18T17:04:16Z",
"last_status_change_date": "2025-09-18T17:17:23Z"
},
"event_name": "Price Changed",
"price_sqft": 63.333333333333336,
"source_name": "Pensacola",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "653275",
"price_change_percentage": null
},
{
"date": "2025-01-15",
"price": 105000,
"listing": {
"status": "sold",
"list_date": "2024-10-02T20:16:44Z",
"list_price": 80000,
"listing_id": "2973156439",
"last_update_date": "2025-09-18T17:04:16Z",
"last_status_change_date": "2025-09-18T17:17:23Z"
},
"event_name": "Price Changed",
"price_sqft": 70,
"source_name": "Pensacola",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "653275",
"price_change_percentage": null
},
{
"date": "2025-01-03",
"price": 110000,
"listing": {
"status": "sold",
"list_date": "2024-10-02T20:16:44Z",
"list_price": 80000,
"listing_id": "2973156439",
"last_update_date": "2025-09-18T17:04:16Z",
"last_status_change_date": "2025-09-18T17:17:23Z"
},
"event_name": "Relisted",
"price_sqft": 73.33333333333333,
"source_name": "Pensacola",
"price_change": 110000,
"days_after_listed": null,
"source_listing_id": "653275",
"price_change_percentage": null
},
{
"date": "2025-01-01",
"price": 0,
"listing": {
"status": "sold",
"list_date": "2024-10-02T20:16:44Z",
"list_price": 80000,
"listing_id": "2973156439",
"last_update_date": "2025-09-18T17:04:16Z",
"last_status_change_date": "2025-09-18T17:17:23Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Pensacola",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "653275",
"price_change_percentage": null
},
{
"date": "2024-12-31",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2024-10-02T20:43:40Z",
"list_price": 110000,
"listing_id": "2973157721",
"last_update_date": "2024-11-08T17:26:49Z",
"last_status_change_date": "2024-12-31T07:14:58Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "BaldwinREALTORS",
"price_change": 0,
"days_after_listed": "90 days",
"source_listing_id": "368769",
"price_change_percentage": null
},
{
"date": "2024-11-08",
"price": 110000,
"listing": {
"status": "sold",
"list_date": "2024-10-02T20:16:44Z",
"list_price": 80000,
"listing_id": "2973156439",
"last_update_date": "2025-09-18T17:04:16Z",
"last_status_change_date": "2025-09-18T17:17:23Z"
},
"event_name": "Price Changed",
"price_sqft": 73.33333333333333,
"source_name": "Pensacola",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "653275",
"price_change_percentage": null
},
{
"date": "2024-11-08",
"price": 110000,
"listing": {
"status": "off_market",
"list_date": "2024-10-02T20:43:40Z",
"list_price": 110000,
"listing_id": "2973157721",
"last_update_date": "2024-11-08T17:26:49Z",
"last_status_change_date": "2024-12-31T07:14:58Z"
},
"event_name": "Price Changed",
"price_sqft": 73.33333333333333,
"source_name": "BaldwinREALTORS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "368769",
"price_change_percentage": null
},
{
"date": "2024-10-02",
"price": 115000,
"listing": {
"status": "off_market",
"list_date": "2024-10-02T20:43:40Z",
"list_price": 110000,
"listing_id": "2973157721",
"last_update_date": "2024-11-08T17:26:49Z",
"last_status_change_date": "2024-12-31T07:14:58Z"
},
"event_name": "Listed",
"price_sqft": 76.66666666666667,
"source_name": "BaldwinREALTORS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "368769",
"price_change_percentage": null
},
{
"date": "2024-10-02",
"price": 115000,
"listing": {
"status": "sold",
"list_date": "2024-10-02T20:16:44Z",
"list_price": 80000,
"listing_id": "2973156439",
"last_update_date": "2025-09-18T17:04:16Z",
"last_status_change_date": "2025-09-18T17:17:23Z"
},
"event_name": "Listed",
"price_sqft": 76.66666666666667,
"source_name": "Pensacola",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "653275",
"price_change_percentage": null
},
{
"date": "2024-08-30",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2024-05-31T20:03:27Z",
"list_price": 109900,
"listing_id": "2968024996",
"last_update_date": "2024-05-31T20:00:43Z",
"last_status_change_date": "2024-08-30T05:38:32Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Pensacola",
"price_change": 0,
"days_after_listed": "91 days",
"source_listing_id": "646603",
"price_change_percentage": null
},
{
"date": "2024-05-31",
"price": 109900,
"listing": {
"status": "off_market",
"list_date": "2024-05-31T20:03:27Z",
"list_price": 109900,
"listing_id": "2968024996",
"last_update_date": "2024-05-31T20:00:43Z",
"last_status_change_date": "2024-08-30T05:38:32Z"
},
"event_name": "Listed",
"price_sqft": 73.26666666666667,
"source_name": "Pensacola",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "646603",
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}
],
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}
},
"rmn_listing_attribution": false
},
"property_id": "5378763097",
"generated_at": "2026-03-27T19:56:48.060652Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 57.5
},
"utility_allowance": {
"zip_code": "32568",
"home_photo": "https://ap.rdcpix.com/89b39a6876304998060e3f2df847c9e6l-m4075979674s-w1280.jpg",
"rent_price": 2027.0,
"loan_amount": 88000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/177-Juniper-St_Mc-David_FL_32568_M53787-63097",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 110000.0,
"loan_term_years": 30,
"annual_cash_flow": 19225.82,
"mortgage_monthly": 585.47,
"payment_standard": 2380.0,
"total_amount_out": 22000.0,
"additional_photos": [
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"https://ap.rdcpix.com/89b39a6876304998060e3f2df847c9e6l-m3191275272s-w1280.jpg",
"https://ap.rdcpix.com/89b39a6876304998060e3f2df847c9e6l-m4075725508s-w1280.jpg",
"https://ap.rdcpix.com/89b39a6876304998060e3f2df847c9e6l-m840505151s-w1280.jpg",
"https://ap.rdcpix.com/89b39a6876304998060e3f2df847c9e6l-m2791974576s-w1280.jpg",
"https://ap.rdcpix.com/89b39a6876304998060e3f2df847c9e6l-m3300871086s-w1280.jpg",
"https://ap.rdcpix.com/89b39a6876304998060e3f2df847c9e6l-m2933395208s-w1280.jpg",
"https://ap.rdcpix.com/89b39a6876304998060e3f2df847c9e6l-m1646182760s-w1280.jpg",
"https://ap.rdcpix.com/89b39a6876304998060e3f2df847c9e6l-m3356288586s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 116.92,
"monthly_cash_flow": 1602.15,
"property_tax_rate": 0.0063,
"_utility_allowance": {
"sources": [
"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/payment/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf",
"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/utility/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf"
],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "The property includes central air conditioning.",
"utility": "Air Conditioning",
"allowance": 66
},
{
"note": "Selected electric cooking as the property's water heater is electric, implying an all-electric setup.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "The property has central heating, and an all-electric setup is assumed based on other appliances.",
"utility": "Heating",
"allowance": 34
},
{
"note": "A standard monthly service fee for properties with electric service.",
"utility": "Monthly Electric Fee",
"allowance": 11
},
{
"note": "The property appears to be all-electric, so no natural gas service fee is required.",
"utility": "Monthly Gas Fee",
"allowance": 0
},
{
"note": "This covers general electricity usage for lights and tenant appliances.",
"utility": "Other Electric",
"allowance": 85
},
{
"note": "A range/oven is not listed as a provided appliance and is presumed to be supplied by the tenant.",
"utility": "Range (Tenant Supplied)",
"allowance": 11
},
{
"note": "A refrigerator is not listed as a provided appliance and is presumed to be supplied by the tenant.",
"utility": "Refrigerator (Tenant Supplied)",
"allowance": 12
},
{
"note": "Inferred that the property uses a septic system due to its rural location and information from a nearby property listing; no public sewer cost is anticipated.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Trash collection is a standard utility for a single-family residence.",
"utility": "Trash Collection",
"allowance": 32
},
{
"note": "Public water service is assumed based on information from nearby property listings.",
"utility": "Water",
"allowance": 49
},
{
"note": "The property listing explicitly states it has an electric water heater.",
"utility": "Water Heater",
"allowance": 36
}
],
"cash_on_cash_return": 0.87,
"down_payment_amount": 22000.0,
"property_tax_annual": 1262.78,
"property_tax_monthly": 105.23,
"property_tax_increase": 0.03,
"utility_allowance_total": 353.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/utility/DocumentCenter_View_2218_Chapter-9---Utility-Estimate-Schedule-and-Payment-Standards-PDF.raster.pdf",
"https://www.cityofpensacola.com/DocumentCenter/View/27843",
"https://www.pensacolahousing.org/DocumentCenter/View/2218/Chapter-9---Utility-Estimate-Schedule-and-Payment-Standards-PDF.pdf",
"https://www.pensacolahousing.org/DocumentCenter/View/26772/08012024-Utility-Allowance-Schedule.pdf",
"https://www.pensacolahousing.org/DocumentCenter/View/27324/Updated-Payment-Standard-Utility-Allowance-Schedule-MF.pdf",
"https://www.pensacolahousing.org/DocumentCenter/View/27843/08012025-Utility-Allowance-Schedule-.pdf"
],
"effective_date": "2025-08-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 12200.23,
"property_management_monthly": 202.7,
"monthly_cash_flow_after_debt": 1016.69,
"cash_on_cash_return_after_debt": 0.55
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate Section 8 / NSPIRE inspection risk. The home has fresh paint and new flooring in places and is cosmetically improved, but there are several inspection items that must be addressed before a typical initial voucher inspection will pass: verify and repair any active water leaks, install/verify required smoke and CO detectors, complete kitchen repairs and appliance installation, verify GFCI protection and electrical panel integrity, and confirm HVAC and hot-water systems are operational. Expect 30–60 days and moderate repair costs to reach compliance. No evidence of catastrophic structural failure in photos, but ceiling staining is a key defect to investigate.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 55.0,
"rationale": "Interior shows recent paint and new vinyl plank floors in large areas but also inconsistent flooring transitions and remaining worn carpet. Kitchen is partly unfinished: missing cabinet doors/doors removed, missing/removed range or cooktop area, and older countertops. Ceiling in living area shows stain/patching indicating past water intrusion. Fireplace surround and hearth are intact but need cosmetic work. Overall deferred maintenance moderate — mostly cosmetic and finish carpentry with several moderate repairs required before tenancy."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 50.0,
"rationale": "No smoke or CO detectors are visible in photos (required). Windows appear to provide egress in bedrooms but not all window conditions are visible. Entry door has a lock; deadbolt not clearly visible. No obvious exposed wiring seen in photos, but several open cabinet/fixture locations and missing appliances increase potential electrical/code issues. Ceiling staining suggests prior water intrusion that must be verified not active. GFCI protection in kitchen/baths not visible. This is a moderate inspection risk requiring targeted fixes (install/verify detectors, address possible water intrusion, verify GFCI and outlets)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 50.0,
"rationale": "Ceiling supply/return vents visible indicating central HVAC ducting; equipment (outdoor condensing unit/furnace/water heater/electrical panel) not shown. Roof shingles appear aged but not collapsed; ceiling stains indicate prior roof or plumbing leak that needs investigation. Plumbing fixtures (sink) present but functionality not confirmed. Electrical panel and water heater condition unknown. Because major systems are not visible/verified in photos, assign moderate score pending service verification and potentially minor repairs or replacements."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "Exterior manufactured-home skirt present but there are visible small gaps under the skirting in photos and several exposed piers/blocks — typical for set-on-block older homes and should be skirt-sealed. Yard is unmaintained but not hazardous; gravel drive and clear parking area. No obvious foundation movement, roof collapse, or large exterior structural damage seen in provided images. Some brush/trees close to structure that should be trimmed to reduce moisture/rodent risk."
}
],
"red_flags": [
"Ceiling staining/patching visible in living area — indicates past (possibly active) water intrusion / potential roof or plumbing leak",
"No visible smoke detectors or CO alarms in photos (NSPIRE requires working detectors)",
"Kitchen shows missing/removed appliances and damaged/absent cabinet sections that prevent functional cooking area",
"Skirting has gaps/exposed undercarriage visible — pest entry and ventilation concerns until sealed"
],
"confidence": 0.6,
"assumptions": [
"Photos represent the full interior condition and there are no additional unseen areas with major damage.",
"Central HVAC exists and is connected (ceiling vents visible) but its operational condition is unknown; assume service/verification required.",
"Water heater and electrical panel are present somewhere on site but not shown; their condition is unknown and assumed typical for a 2001 manufactured home until proven otherwise.",
"No smoke or carbon monoxide detectors are installed or they are not visible in photos; installation will be required if missing.",
"Appliances (range/stove) are currently missing or removed based on kitchen photos; landlord will supply or install prior to tenancy.",
"Ceiling stains indicate prior water intrusion; assume potential roof or plumbing source that needs investigation but not necessarily active leakage at time of listing photos."
],
"overall_score": 53.0,
"rubric_version": "ns_2026_v1"
},
{
"summary": "This 4-bed manufactured single-family has been cosmetically refreshed (paint and partial new flooring) and shows basic systems present (HVAC vents, thermostat, plumbing fixtures). The property is in fair condition for rehabilitation to rentable status but has several inspection risks that must be addressed before a Housing Choice Voucher (Section 8 / NSPIRE) move-in: install and verify smoke and CO alarms, confirm GFCI protection in kitchen/baths, replace/secure missing kitchen appliance(s) and cabinet doors, investigate and repair the ceiling staining (possible roof leak) and secure/repair exterior skirting and front step railing. With those corrections and standard verification of HVAC, water heater and electrical panel, this property could be rent-ready in roughly 30–60 days. As shown it has a moderate chance of passing an initial HCV inspection but will likely fail on missing detectors and unresolved moisture/ceiling stains until fixed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior shows recent full-paint and large areas of new vinyl plank flooring which is positive. However there are remaining cosmetic and finish repairs: patches of older carpet in bedrooms, missing kitchen base cabinet door(s), missing range/stove location and possibly other appliances, one light fixture cover missing, some trim/baseboard stacked in a bedroom. Fireplace surround tile/hearth is incomplete. These are mostly cosmetic/finish and appliance replacement items — moderate scope but not structural."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "No visible smoke detectors or CO alarms in photos (required). Entry door shows a keyed deadbolt which is good. No obvious exposed wiring or open electrical splices seen in pictures. Ceiling discoloration/staining visible in living room (possible roof/water intrusion history) which raises moisture/mold risk until investigated. Bedroom windows appear to provide egress but window widths/heights not measured. Kitchen outlets and GFCI presence not visible in photos (risk). Front steps have a railing but it appears older/rusted and may require securement to meet code. Overall moderate risk until detectors, GFCI, venting for fireplace and moisture source are verified and corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Central HVAC supply/return vents and a wall thermostat are visible indicating an HVAC system likely present. No boiler/water heater, electrical panel, or service meter photos provided. Ceiling stain suggests prior or current roof leak and potential attic/ceiling repairs. No visible active water pooling or collapsed ceilings. Electrical and plumbing functionality are unconfirmed from photos; assumed serviceable based on otherwise clean condition but would need routine verification and possible repairs. Overall systems appear present but not fully documented."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 55.0,
"rationale": "Manufactured-home style on piers with skirting in place but skirting has visible gaps and sections that could allow pests/ventilation issues and needs securing. Roof shingles appear aged but show no obvious sagging in photos; however ceiling stains inside indicate possible roof/penetration repairs. Yard and driveway are unmaintained/gravel; several cinder blocks and debris on the lawn. Front handrail is present but looks aged/rusted. No obvious major foundation movement or collapsed elements visible from exterior photos."
}
],
"red_flags": [
"Ceiling stains/discoloration in main living area — possible roof leak or past water intrusion (moisture/mold risk).",
"No visible smoke detectors or carbon monoxide alarms in posted photos — immediate failure risk on inspection.",
"Kitchen missing major appliance(s) (range/stove) and missing base cabinet elements — impacts habitability/required equipment.",
"Exterior skirting has gaps and loose sections (pest entry/ventilation and crawlspace access concern).",
"No electrical panel, water heater, or GFCI outlets shown — systems not verified in photos and must be confirmed before inspection."
],
"confidence": 0.65,
"assumptions": [
"HVAC is present and operable (inferred from ceiling supply/return vents and visible thermostat).",
"No active structural sagging or foundation movement exists beyond what is visible in photos (exterior shows level roofline and no visible major settlement).",
"Photos are representative of the whole unit; unseen areas (electrical panel, water heater, bathrooms) are unknown and may require typical repairs.",
"Smoke and carbon monoxide alarms are not present unless out of frame; absence in photos treated as missing requirement.",
"Appliances (range/stove, refrigerator) are missing or not shown in photos and will need to be provided for rental move-in.",
"Ceiling discoloration is assumed to be from prior or intermittent water intrusion until further investigation; no visible active leak (no dripping shown) but risk exists."
],
"overall_score": 58.0,
"rubric_version": "2026-03-27-v1"
},
{
"summary": "This 4-bed manufactured single-family appears livable after moderate repair work. Interior has fresh paint and partial new flooring, but kitchen cabinetry, appliance provisions, trim and carpet need completion. Safety items likely required for Section 8/NSPIRE compliance: install/verify smoke and CO detectors, confirm GFCI protection, repair ceiling stain source, and close skirting gaps. Major structural failures were not observed. Expect a pass after addressing detectors, minor mechanical verification/repairs, completing kitchen appliance installation, sealing crawlspace/skirting and repairing any active leak sources—approximately 2–6 weeks of work depending on system testing and parts availability.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows recent paint and partial new flooring but visible deferred items remain: missing/damaged kitchen cabinet fronts and an open cabinet bay, uneven flooring transitions, worn carpeting in bedrooms, and some loose trim stored in rooms. Fireplace surround and some ceiling fixtures are aged. Missing kitchen range/fridge (not shown) likely — listing photos show no appliances in the stove cavity. These are mostly cosmetic/finish and moderate repairs that can be completed with normal rehab work; no widespread structural collapse visible."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No smoke or CO detectors are visible in photos (required). Interior electrical outlets and cover plates are mostly present but GFCI presence in kitchen/baths cannot be confirmed. Front entry has a doorknob and appears to have a deadbolt but not fully visible. Windows in bedrooms appear to be sized for egress but exact dimensions not verified. There is evidence of water staining on a living-room ceiling panel (possible prior roof/plumbing intrusion) that requires investigation. Skirting has visible gaps under the manufactured home which can allow pests and moisture. No exposed live wiring, collapsed ceilings, or obvious major trip hazards are visible. Overall moderate code risk due to missing detectors, unknown GFCI, and water-stain history."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 55.0,
"rationale": "Supply/return HVAC vents are visible in ceilings indicating central HVAC, but no external condensing unit or furnace was photographed and operational status is unknown. Water heater, electrical service panel, and main plumbing risers are not shown. The ceiling water stain suggests past water intrusion that could have impacted mechanical components. Kitchen sink and faucet visible but dishwasher/cooktop missing or removed. Because major systems are not documented in photos, assume typical manufactured-home age-related service is needed; this is a medium systems risk until tested."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior siding and roof appear intact with no clear sagging or missing large roof sections in photos; roof shingles look aged but not visibly failed. Skirting is present but has gaps/openings that need repair to close crawlspace and prevent animal/pest entry. Front steps/metal railing are present though somewhat rusted and may need firmer anchoring and paint. Yard has overgrown brush close to the structure which should be cleared to reduce pest risk. No standing water or major foundation movement visible from exterior images."
}
],
"red_flags": [
"Evidence of water staining on ceiling — potential roof or plumbing leak that requires investigation and repair.",
"Gaps/openings in exterior skirting under the manufactured home — allows pest/rodent access and may allow moisture entry into the crawlspace."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC exists (ceiling vents present) and is currently installed but not confirmed operational; HVAC service/testing will be required.",
"No smoke or CO detectors present (none visible in photos) — assume they are not installed or need replacement.",
"Electrical panel and main service are intact and meet local code; panel not photographed so hidden defects may exist but none are visually obvious.",
"Bedroom windows meet egress dimensions typical for the area (appeared as full-size windows) — exact measurements must be verified at inspection.",
"Kitchen appliances (range and refrigerator) are not present or not shown; landlord will supply or install prior to tenancy.",
"Ceiling stains are from past water intrusion; no active leaking was visible in photos but further investigation/roof/plumbing repair may be required.",
"Skirting gaps are present and will need repair to prevent pest entry and ensure crawlspace ventilation is code-compliant.",
"No recent rental history was provided (rental_history_last_5y missing) and therefore no rental-history bonus applied."
],
"overall_score": 61.2,
"rubric_version": "2026-03-hcv-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "177 Juniper St, McDavid, FL, 32568",
"aggregate": {
"summary": "Moderate Section 8 / NSPIRE inspection risk. The home has fresh paint and new flooring in places and is cosmetically improved, but there are several inspection items that must be addressed before a typical initial voucher inspection will pass: verify and repair any active water leaks, install/verify required smoke and CO detectors, complete kitchen repairs and appliance installation, verify GFCI protection and electrical panel integrity, and confirm HVAC and hot-water systems are operational. Expect 30–60 days and moderate repair costs to reach compliance. No evidence of catastrophic structural failure in photos, but ceiling staining is a key defect to investigate.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior shows recent paint and new vinyl plank floors in large areas but also inconsistent flooring transitions and remaining worn carpet. Kitchen is partly unfinished: missing cabinet doors/doors removed, missing/removed range or cooktop area, and older countertops. Ceiling in living area shows stain/patching indicating past water intrusion. Fireplace surround and hearth are intact but need cosmetic work. Overall deferred maintenance moderate — mostly cosmetic and finish carpentry with several moderate repairs required before tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "Exterior manufactured-home skirt present but there are visible small gaps under the skirting in photos and several exposed piers/blocks — typical for set-on-block older homes and should be skirt-sealed. Yard is unmaintained but not hazardous; gravel drive and clear parking area. No obvious foundation movement, roof collapse, or large exterior structural damage seen in provided images. Some brush/trees close to structure that should be trimmed to reduce moisture/rodent risk."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 55.0,
"rationale": "No smoke or CO detectors are visible in photos (required). Windows appear to provide egress in bedrooms but not all window conditions are visible. Entry door has a lock; deadbolt not clearly visible. No obvious exposed wiring seen in photos, but several open cabinet/fixture locations and missing appliances increase potential electrical/code issues. Ceiling staining suggests prior water intrusion that must be verified not active. GFCI protection in kitchen/baths not visible. This is a moderate inspection risk requiring targeted fixes (install/verify detectors, address possible water intrusion, verify GFCI and outlets)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 55.0,
"rationale": "Ceiling supply/return vents visible indicating central HVAC ducting; equipment (outdoor condensing unit/furnace/water heater/electrical panel) not shown. Roof shingles appear aged but not collapsed; ceiling stains indicate prior roof or plumbing leak that needs investigation. Plumbing fixtures (sink) present but functionality not confirmed. Electrical panel and water heater condition unknown. Because major systems are not visible/verified in photos, assign moderate score pending service verification and potentially minor repairs or replacements."
}
],
"red_flags": [
"Ceiling staining/patching visible in living area — indicates past (possibly active) water intrusion / potential roof or plumbing leak",
"No visible smoke detectors or CO alarms in photos (NSPIRE requires working detectors)",
"Kitchen shows missing/removed appliances and damaged/absent cabinet sections that prevent functional cooking area",
"Skirting has gaps/exposed undercarriage visible — pest entry and ventilation concerns until sealed"
],
"confidence": 0.83,
"assumptions": [
"Photos represent the full interior condition and there are no additional unseen areas with major damage.",
"Central HVAC exists and is connected (ceiling vents visible) but its operational condition is unknown; assume service/verification required.",
"Water heater and electrical panel are present somewhere on site but not shown; their condition is unknown and assumed typical for a 2001 manufactured home until proven otherwise.",
"No smoke or carbon monoxide detectors are installed or they are not visible in photos; installation will be required if missing.",
"Appliances (range/stove) are currently missing or removed based on kitchen photos; landlord will supply or install prior to tenancy.",
"Ceiling stains indicate prior water intrusion; assume potential roof or plumbing source that needs investigation but not necessarily active leakage at time of listing photos."
],
"score_method": "mean_of_criteria",
"overall_score": 57.5,
"rubric_version": "ns_2026_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "5378763097"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.