Property ID: 5417458077
1420 Rollingwood Dr, Charlotte, NC, 28217
Charlotte, NC
Money Down: $71,760
CoC Return: -2.77%
Monthly Cash Flow: $-165
Est. Final ARV: $321,917
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,800
Closing Costs
$11,960
Total Down
$71,760
Investment Snapshot
Purchase Price
$299,000
Money Down
$71,760
Cash-on-Cash Return
-2.77%
Rent
$1,900
Monthly Cash Flow
$-165
Annual Cash Flow
$-1,986
Debt Service / Mo
$1,591
Property Tax / Mo
$203
Insurance / Mo
$81
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,900
Payment Standard
$2,277
Rent
$1,900
Insurance
$81
Property Tax
$203
Management
$190
Utilities Allowance
$377
NOI (Monthly)
$1,426
Debt Service
$1,591
Cash Flow After Debt
$-165
Quality Score: 80.00%
Confidence: 95.00%
This 1959 single-family home appears largely turnkey for Section 8 / HCV initial inspection: fresh renovations, functioning kitchen appliances, intact interior finishes, and an overall safe-looking envelope. Primary outstanding verification items that could affect pass likelihood are presence and placement of smoke and carbon-monoxide detectors, GFCI protection in kitchen/bath, verification of HVAC and water heater operation/combustion appliance venting, and confirmation of electrical panel condition. If those standard verifications are completed and missing detectors/GFCIs installed, the property is likely to pass an initial NSPIRE/HCV inspection with only minor repairs.
Section 8 Payment Standard
$2,277
Utility Allowance Total
$377
Guaranteed Section 8 Rent (PS - Utilities)
$1,900
Property Management
$190
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,000
Beds
3
Baths
2
Living Area
1,017 sqft
Lot Size
16,553 sqft
Year Built
1959
Days on Market
104
Capital Outlay
$71,760
Debt Service
$1,591
Property Tax / Mo
$203
Insurance / Mo
$81
Property Description
*THIS HOME QUALIFIES FOR 100% FINANCING, $15,000 RATE BUY DOWN, UP TO $5,000 IN CLOSING COSTS & NO PMI!!* 2026 is THE YEAR to make YOUR home ownership goals a reality, and 1420 Rollingwood Dr is THE HOME to make it happen!! This elegant 3 bed 2 bath single-story home in the highly sought-after Clanton Park of Charlotte has been redesigned with you in mind. Fresh interior & exterior paint job w/ new six panel doors throughout, coupled w/ original, refinished hardwoods reinvigorate the home w/ new life. Functional chef's kitchen is ready for all of your culinary endeavors through recent contemporary renovations; highlights include new counters, shaker-style cabinetry, subway tile backsplash, deep sink, tile floor & SS appliances (electric range, dishwasher & microwave). Three spacious bedrooms w/ large, light-flooding windows provide private retreats for any occupants to rest & relax. Primary bedroom provides the utmost convenience for the new owner through ensuite full bath, which includes new vanity, tile flooring & modern floor-to-ceiling tiled walk-in shower. Second full bath is central to remainder of home, and features modern vanity, tiled floor & tile surround shower + tub combo. Tastefully adorned & exceptionally priced, 1420 Rollingwood is one of THE BEST opportunities to hit the Charlotte market this year!!
Utility Allowances
air_conditioning
$25
The property has Central Air. Using the fixed allowance for a 3-bedroom unit.
cooking
$12
The property includes an electric range. Selected the 'electric' fuel option for a 3-bedroom unit.
heating
$80
The property has Forced Air heating. Natural gas was inferred as the most likely fuel source based on comparable properties, and is the more expensive option versus electric. Selected the 'natural_gas' option for a 3-bedroom unit.
water_heating
$37
Water heater fuel type was not specified. Following the rule to choose the more expensive option in an ambiguous case, 'natural_gas' was selected over 'electric' for a 3-bedroom unit.
other_electric
$79
Standard allowance for miscellaneous electric use (lights, outlets, etc.) for a 3-bedroom unit.
sewer
$89
The property is connected to a public sewer system. Using the fixed allowance for a 3-bedroom unit.
water
$32
The property is connected to city water. Using the fixed allowance for a 3-bedroom unit.
refrigerator
$12
The property does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned.
gas_service_fee
$11
Applicable because natural gas is assumed to be used for heating and water heating.
Source References
Payment Standard Source
Effective Date:
Jul 01, 2025
Utility Allowance Source
Effective Date:
Feb 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$884
DP3 Annual Estimate$1,068
DP1 Monthly Equivalent$74
DP3 Monthly Equivalent$89
Replacement Value$165,300
Basis1,017 sqft / 1959
Nearby Houses
Photo unavailable
3742 Sargeant Dr
sold · 0.04 mi
Price: $302,000
3 bd / 1 ba · 1,092 sqft
Latest sale: $302,000
Latest rent: —
Photo unavailable
1419 Rollingwood Dr
sold · 0.06 mi
Price: $378,723
3 bd / 2 ba · 1,096 sqft
Latest sale: $378,723
Latest rent: —
Photo unavailable
1427 Rollingwood Dr
sold · 0.07 mi
Price: $100,000
3 bd / 1 ba · 1,090 sqft
Latest sale: $100,000
Latest rent: —
Photo unavailable
3404 Reid Ave
sold · 0.09 mi
Price: $435,000
3 bd / 3 ba · 1,728 sqft
Latest sale: $435,000
Latest rent: —
Photo unavailable
3733 Sargeant Dr
sold · 0.10 mi
Price: $321,000
3 bd / 2 ba · 1,464 sqft
Latest sale: $321,000
Latest rent: —
Photo unavailable
3325 Morning Dr
sold · 0.11 mi
Price: $109,900
3 bd / 1 ba · 800 sqft
Latest sale: $109,900
Latest rent: —
Photo unavailable
3324 Ross Ave
sold · 0.12 mi
Price: $75,000
3 bd / 1 ba · 1,083 sqft
Latest sale: $75,000 on Sep 21, 2019
Latest rent: $1,300 on Nov 01, 2019
Photo unavailable
3324 Reid Ave
sold · 0.13 mi
Price: $69,000
2 bd / 1 ba · 868 sqft
Latest sale: $69,000
Latest rent: —
Photo unavailable
3316 Reid Ave
sold · 0.14 mi
Price: $305,000
3 bd / 2 ba · 1,133 sqft
Latest sale: $305,000 on Sep 12, 2022
Latest rent: —
Photo unavailable
3648 Sargeant Dr
sold · 0.14 mi
Price: $29,000
3 bd / 1 ba · 1,090 sqft
Latest sale: $29,000
Latest rent: —
Photo unavailable
3315 Ross Ave
for_sale · 0.15 mi
Price: $185,000
2 bd / 1 ba · 567 sqft
Latest sale: $95,000 on Mar 16, 2021
Latest rent: —
Photo unavailable
3915 Crestridge Dr
sold · 0.15 mi
Price: $330,000
3 bd / 1 ba · 1,044 sqft
Latest sale: $330,000 on Sep 10, 2025
Latest rent: $995 on Dec 02, 2017
Properties Used for Comps
Photo unavailable
1233 Rollingwood Dr, Charlotte, NC, 28217
sold
Price: $365,000
Rent: —
3 bd / 2 ba · 1,162 sqft
Sale Date: Apr 30, 2025
Distance: 0.14 mi
View listing
Photo unavailable
3608 Crestridge Dr, Charlotte, NC, 28217
sold
Price: $335,000
Rent: —
3 bd / 1 ba · 1,105 sqft
Sale Date: Dec 12, 2025
Distance: 0.23 mi
View listing
Photo unavailable
3949 Fieldcrest Rd, Charlotte, NC, 28217
sold
Price: $340,000
Rent: —
3 bd / 1.5 ba · 1,075 sqft
Sale Date: Apr 15, 2025
Distance: 0.22 mi
View listing
Photo unavailable
1221 Rollingwood Dr, Charlotte, NC, 28217
sold
Price: $365,000
Rent: —
3 bd / 2 ba · 1,096 sqft
Sale Date: Mar 23, 2026
Distance: 0.17 mi
View listing
Photo unavailable
3915 Crestridge Dr, Charlotte, NC, 28217
sold
Price: $330,000
Rent: —
3 bd / 1 ba · 1,044 sqft
Sale Date: Sep 10, 2025
Distance: 0.15 mi
View listing
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos and listing accurately reflect current condition and included appliances (electric range, dishwasher, microwave) are functional.
- Smoke detectors and carbon monoxide alarms are not visible in photos and may not yet be installed in all required locations; assumed not confirmed.
- Electrical panel, water heater and HVAC equipment are present but not shown; assumed operable until proven otherwise.
- Bedrooms have required egress windows given size and style of windows visible in living areas and listing stated bedrooms; assumed compliant but not verified.
- No active roof leaks or concealed structural defects exist beyond what is visible in exterior photos; roofing condition inferred from visible shingle surface only.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,362 | $285,300 | $285,300 |
| 2024 | $2,313 | $285,300 | $285,300 |
| 2023 | $2,231 | $285,300 | $285,300 |
| 2022 | $1,214 | $112,800 | $112,800 |
| 2021 | $1,203 | $112,800 | $112,800 |
| 2020 | $1,195 | $112,800 | $112,800 |
| 2019 | $1,180 | $112,800 | $112,800 |
| 2018 | $816 | $56,600 | $56,600 |
| 2017 | $795 | $56,600 | $56,600 |
| 2016 | $786 | $56,600 | $56,600 |
| 2015 | $774 | $56,600 | $56,600 |
| 2014 | $902 | $56,600 | $56,600 |
| 2013 | $902 | $65,400 | $65,400 |
| 2012 | $865 | $65,700 | $65,700 |
| 2011 | $883 | $65,700 | $65,700 |
| 2010 | $1,017 | $73,800 | $73,800 |
| 2009 | $1,017 | $73,800 | $73,800 |
| 2008 | $1,017 | $73,800 | $73,800 |
| 2007 | $1,014 | $73,800 | $73,800 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-18 | Price Changed | $299,000 |
| 2026-01-03 | Listed | $315,000 |
| 2022-07-28 | Sold | $149,000 |
| 2018-06-26 | Sold | $121,000 |
| 2018-05-19 | Listed | $108,000 |
| 2017-11-28 | Listing removed | $850 |
| 2017-11-17 | Listed for rent | $850 |
| 2015-06-10 | Sold | $79,000 |
| 2015-04-28 | Listing removed | $795 |
| 2015-04-19 | Listed for rent | $795 |
| 2014-12-18 | Listing removed | $775 |
| 2014-11-20 | Listed for rent | $775 |
| 2012-02-14 | Sold | $132,500 |
| 2011-09-12 | Listing removed | $58,000 |
| 2011-05-09 | Price Changed | $58,000 |
| 2011-03-20 | Listed | $40,000 |
| 2009-05-30 | Listing removed | $79,900 |
| 2009-02-21 | Listing removed | $79,900 |
| 2009-02-16 | Listed | $79,900 |
Photo Gallery
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"allowance": 12
},
{
"note": "The property has Forced Air heating. Natural gas was inferred as the most likely fuel source based on comparable properties, and is the more expensive option versus electric. Selected the 'natural_gas' option for a 3-bedroom unit.",
"utility": "heating",
"allowance": 80
},
{
"note": "Water heater fuel type was not specified. Following the rule to choose the more expensive option in an ambiguous case, 'natural_gas' was selected over 'electric' for a 3-bedroom unit.",
"utility": "water_heating",
"allowance": 37
},
{
"note": "Standard allowance for miscellaneous electric use (lights, outlets, etc.) for a 3-bedroom unit.",
"utility": "other_electric",
"allowance": 79
},
{
"note": "The property is connected to a public sewer system. Using the fixed allowance for a 3-bedroom unit.",
"utility": "sewer",
"allowance": 89
},
{
"note": "The property is connected to city water. Using the fixed allowance for a 3-bedroom unit.",
"utility": "water",
"allowance": 32
},
{
"note": "The property does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned.",
"utility": "refrigerator",
"allowance": 12
},
{
"note": "Applicable because natural gas is assumed to be used for heating and water heating.",
"utility": "gas_service_fee",
"allowance": 11
}
],
"cash_on_cash_return": 0.29,
"down_payment_amount": 59800.0,
"property_tax_annual": 2432.86,
"property_tax_monthly": 202.74,
"property_tax_increase": 0.03,
"utility_allowance_total": 377.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.inlivian.com/landlords-owners/payment-standards/",
"https://www.inlivian.com/wp-content/uploads/2024/05/7.1.25-PS-No-census-tracts.pdf"
],
"effective_date": "2025-07-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -1985.7,
"property_management_monthly": 190.0,
"monthly_cash_flow_after_debt": -165.48,
"cash_on_cash_return_after_debt": -0.03
},
"section8_assessment": {
"runs": [
{
"summary": "This 1959 single-family home appears largely turnkey for Section 8 / HCV initial inspection: fresh renovations, functioning kitchen appliances, intact interior finishes, and an overall safe-looking envelope. Primary outstanding verification items that could affect pass likelihood are presence and placement of smoke and carbon-monoxide detectors, GFCI protection in kitchen/bath, verification of HVAC and water heater operation/combustion appliance venting, and confirmation of electrical panel condition. If those standard verifications are completed and missing detectors/GFCIs installed, the property is likely to pass an initial NSPIRE/HCV inspection with only minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Interior appears recently renovated: fresh paint, refinished hardwoods, new tile floors in kitchen, new cabinets and counters. Stainless electric range, dishwasher and microwave are present per photos and listing. No visible major cosmetic defects; minor wear in hardwood at entry and some trim touches likely needed. Easy-to-fix items only (touch-up paint, minor threshold/trim work). Missing appliances are not an issue — listed appliances present and look new. Overall turnkey cosmetically."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 74.0,
"rationale": "No obvious life-threatening hazards in photos: ceilings intact, no standing water, stairs have a handrail, windows look operable for egress, exterior entry appears secure. However critical safety items are not visible in photos: smoke detectors and carbon-monoxide detector locations are not shown; GFCI protection in kitchen/bath not visible; electrical panel not shown. Two roof vents/flues visible which suggests fuel-burning appliances may exist (CO detector required if so). Because these items cannot be confirmed from photos, moderate risk remains until detectors and GFCI are verified/installed. No visible exposed wiring, major trip hazards, or peeling paint observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 72.0,
"rationale": "Kitchen appliances are present and appear new; laundry hookup and dryer vent visible. Supply/drain plumbing fixtures in kitchen appear modern. HVAC register/return visible in living area indicating central system presence, but equipment age and operability not documented. Roof shingles look aged but intact in photos; no visible active leaks or sagging ceilings. Electrical panel and water heater not shown; two roof vents/flues suggest combustion appliances (gas water heater/furnace) which require verification. Overall systems appear functional but need standard verification (HVAC service, water heater, panel labeling)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 86.0,
"rationale": "Exterior brick and paint look recently refreshed; front steps and handrails appear new and secure. Driveway and sidewalk are serviceable with typical age-related wear but no trip hazards visible. Yard drains away from house in pictured view and there is no visible standing water or significant vegetation against the foundation. No visible infestation, major foundation cracks, or failing exterior envelope in the photos. Minor landscaping and driveway cleaning recommended."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Photos and listing accurately reflect current condition and included appliances (electric range, dishwasher, microwave) are functional.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and may not yet be installed in all required locations; assumed not confirmed.",
"Electrical panel, water heater and HVAC equipment are present but not shown; assumed operable until proven otherwise.",
"Bedrooms have required egress windows given size and style of windows visible in living areas and listing stated bedrooms; assumed compliant but not verified.",
"No active roof leaks or concealed structural defects exist beyond what is visible in exterior photos; roofing condition inferred from visible shingle surface only."
],
"overall_score": 80.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "This single-story 3BR/2BA home appears to be in very good cosmetic and functional condition after recent renovations and is likely to pass an initial Section 8 (HCV/NSPIRE) inspection after a quick pre-inspection checklist: verify/install smoke and CO detectors, confirm GFCI protection in kitchen/baths, and verify presence/operation of the water heater, HVAC, and electrical panel. No major structural or life-safety deficiencies are evident in photos. Expect minor, quick fixes (detectors, GFCI outlets, lock hardware or small mechanical verifications) to reach fully turnkey status.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Photos and listing show a recent cosmetic renovation: fresh interior/exterior paint, refinished hardwoods, updated kitchen and bathrooms, new cabinet hardware and tile floors. Counters, backsplash and appliances (electric range, dishwasher, microwave) are present and appear functional. Minor wear at some hardwood areas near vents and modest driveway/yard wear visible outside. Missing washer/dryer units (laundry alcove visible) — an easy-to-fix item that modestly reduces turnkey score."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 72.0,
"rationale": "No obvious life-safety hazards visible (no exposed wiring, intact ceilings, no visible water stains or mold, handrails present on front steps). However critical NSPIRE items are not shown: smoke detectors and CO alarms are not visible in photos, GFCI protection in kitchen/bath not clearly confirmed, and deadbolt on entry not clearly visible. Bedroom egress appears likely (large windows) but bedroom photos aren't explicit. These are likely minor fixes/verifications (install/confirm detectors, add GFCI outlets where required) but reduce score until verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Floor/wall registers and a return grille visible indicate a forced-air HVAC system likely present; no obvious signs of roof sagging or active leaks from exterior/interior photos. Appliances in kitchen are present and appear new. Electrical panel, water heater and AC condenser are not shown — assumed present and intact but unverified. Because major systems are not fully documented in photos, score is conservatively reduced though no visual evidence of failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior brick appears recently painted and in good condition; steps and railing at primary entry are intact and safe. Driveway shows normal age-related wear but is serviceable. Yard is reasonably graded; no standing water visible. Large trees close to the rear could be monitored but not an immediate visible defect. No signs of exterior structural distress or foundation separation in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in listing photos; assume they may be missing or not shown and will need verification/installation.",
"Central forced-air HVAC exists (floor registers visible) and is operational, but condenser and service records are not shown.",
"Water heater and electrical panel are present and functional though not shown in photos; no visible signs of leaks or electrical hazards.",
"Kitchen appliances shown in photos (electric range, dishwasher, microwave) are included and functional as listed.",
"Bedroom egress windows meet minimum size requirements based on visible window dimensions but individual bedroom photos and measurements are not provided.",
"No evidence of active roof leaks, major foundation movement, collapsed ceilings, or severe mold in the areas pictured; hidden issues could exist but are unlikely based on the visible condition."
],
"overall_score": 79.0,
"rubric_version": "NSPIRE-2026-03-v1"
},
{
"summary": "Overall this 1959 single‑family home appears to be in good, recently renovated condition and would likely pass an initial Housing Choice Voucher (Section 8 / NSPIRE) inspection after verification of a few routine items. Major visible systems and the building envelope show no urgent deficiencies; main inspection risks are unverified mechanical equipment, absence of visible smoke/CO detectors and GFCI outlets in photos, and lead-paint considerations due to year built. With a short pre‑move inspection checklist (confirm detectors, verify HVAC and hot water operation, confirm electrical panel and GFCI) the property is near turnkey and should be rent‑ready within ~1–4 weeks depending on paperwork and small fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing text show a recently renovated interior: fresh paint, refinished original hardwoods (minor wear/staining near entry seen in one photo), new kitchen cabinets, counters, tile flooring, and updated baths. Appliances (electric range, microwave, dishwasher) are present in stainless steel. No visible broken windows, collapsed surfaces, or exposed structural elements. Easy cosmetic touch-ups (small hardwood repair/refinish spot, minor trim/paint touch-ups) may be needed. Missing washer/dryer appliances likely but hookups present; absence of laundry appliances is not an inspection-fail and reduces turnkey score only moderately."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 78.0,
"rationale": "No active life‑threatening hazards visible: ceilings are intact, no sagging, no visible water intrusion or mold staining, entry steps have a handrail, windows are large (likely meet bedroom egress). Photos do not show smoke detectors or carbon monoxide alarms, and GFCI outlets near the kitchen sink are not clearly visible — these are required by NSPIRE and HUD policies. No exposed wiring or open electrical panels are visible. Entry door appears solid and likely has a keyed deadbolt (not fully verified from photos). Because the property appears recently renovated, it's reasonable to assume basic detectors and safety devices are present or easily installed; however absence in photos poses a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.0,
"rationale": "Roof shingles appear intact in exterior photo with no visible sagging or open areas. Interior shows wall/ceiling registers and a return grille (suggesting central forced‑air HVAC), but the actual HVAC unit, water heater, and electrical panel are not pictured. Kitchen plumbing fixtures are modern and sink/drain look correct; dishwasher and range hookups appear functional. Because major systems are not directly shown, score reflects reasonable condition inferred from recent renovation but retains uncertainty: inspector may require verification of functioning heating/cooling, hot water, electrical panel labeling, and absence of leaks."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 82.0,
"rationale": "Exterior brick/paint looks recently refreshed, foundation vents visible and intact, driveway present and serviceable, front steps and handrail installed. Yard is mostly level; no standing water, extensive erosion, or visible pest infestation shown. Gutters/downspouts are not clearly visible; grading/drainage away from foundation cannot be fully confirmed. Overall exterior appears well maintained and low risk but some unseen site drainage details remain unverified."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior and exterior fresh paint and renovations noted in listing are complete and in good condition; surfaces were properly prepared/encapsulated.",
"Smoke detectors and carbon monoxide alarms are installed and functioning or will be installed prior to rental; none were visible in photos.",
"GFCI protection for kitchen and bathrooms may be present on outlets even if not visible; if not present, installation is a minor repair.",
"Central forced‑air HVAC is present and operational (inferred from return grille and wall register); exact age/condition not shown.",
"Water heater and electrical service are functional though not pictured; no active leaks exist as no staining or water damage was photographed.",
"Washer/dryer appliances are not included (laundry hookups visible); missing appliances are treated as moderate, not fatal, to inspection readiness.",
"No active roof leaks or structural foundation movement exist; roof and foundation appear sound in exterior photos.",
"Because the house was built in 1959, lead‑based paint risk exists; assumption is that renovation addressed surfaces, but a lead hazard assessment or disclosure may be required by HUD/Local rules."
],
"overall_score": 80.0,
"rubric_version": "ns-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1420 Rollingwood Dr, Charlotte, NC, 28217",
"aggregate": {
"summary": "This 1959 single-family home appears largely turnkey for Section 8 / HCV initial inspection: fresh renovations, functioning kitchen appliances, intact interior finishes, and an overall safe-looking envelope. Primary outstanding verification items that could affect pass likelihood are presence and placement of smoke and carbon-monoxide detectors, GFCI protection in kitchen/bath, verification of HVAC and water heater operation/combustion appliance venting, and confirmation of electrical panel condition. If those standard verifications are completed and missing detectors/GFCIs installed, the property is likely to pass an initial NSPIRE/HCV inspection with only minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 87.0,
"rationale": "Interior appears recently renovated: fresh paint, refinished hardwoods, new tile floors in kitchen, new cabinets and counters. Stainless electric range, dishwasher and microwave are present per photos and listing. No visible major cosmetic defects; minor wear in hardwood at entry and some trim touches likely needed. Easy-to-fix items only (touch-up paint, minor threshold/trim work). Missing appliances are not an issue — listed appliances present and look new. Overall turnkey cosmetically."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.7,
"rationale": "Exterior brick and paint look recently refreshed; front steps and handrails appear new and secure. Driveway and sidewalk are serviceable with typical age-related wear but no trip hazards visible. Yard drains away from house in pictured view and there is no visible standing water or significant vegetation against the foundation. No visible infestation, major foundation cracks, or failing exterior envelope in the photos. Minor landscaping and driveway cleaning recommended."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 74.7,
"rationale": "No obvious life-threatening hazards in photos: ceilings intact, no standing water, stairs have a handrail, windows look operable for egress, exterior entry appears secure. However critical safety items are not visible in photos: smoke detectors and carbon-monoxide detector locations are not shown; GFCI protection in kitchen/bath not visible; electrical panel not shown. Two roof vents/flues visible which suggests fuel-burning appliances may exist (CO detector required if so). Because these items cannot be confirmed from photos, moderate risk remains until detectors and GFCI are verified/installed. No visible exposed wiring, major trip hazards, or peeling paint observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 74.0,
"rationale": "Kitchen appliances are present and appear new; laundry hookup and dryer vent visible. Supply/drain plumbing fixtures in kitchen appear modern. HVAC register/return visible in living area indicating central system presence, but equipment age and operability not documented. Roof shingles look aged but intact in photos; no visible active leaks or sagging ceilings. Electrical panel and water heater not shown; two roof vents/flues suggest combustion appliances (gas water heater/furnace) which require verification. Overall systems appear functional but need standard verification (HVAC service, water heater, panel labeling)."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Photos and listing accurately reflect current condition and included appliances (electric range, dishwasher, microwave) are functional.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and may not yet be installed in all required locations; assumed not confirmed.",
"Electrical panel, water heater and HVAC equipment are present but not shown; assumed operable until proven otherwise.",
"Bedrooms have required egress windows given size and style of windows visible in living areas and listing stated bedrooms; assumed compliant but not verified.",
"No active roof leaks or concealed structural defects exist beyond what is visible in exterior photos; roofing condition inferred from visible shingle surface only."
],
"score_method": "mean_of_criteria",
"overall_score": 80.0,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "5417458077"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.