Property ID: 5568027801
440 NW 7th Ter, Pompano Beach, FL, 33060
Pompano Beach, FL
Money Down: $72,000
CoC Return: 11.70%
Monthly Cash Flow: $702
Est. Final ARV: $315,797
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$60,000
Closing Costs
$12,000
Total Down
$72,000
Investment Snapshot
Purchase Price
$300,000
Money Down
$72,000
Cash-on-Cash Return
11.70%
Rent
$3,129
Monthly Cash Flow
$702
Annual Cash Flow
$8,421
Debt Service / Mo
$1,597
Property Tax / Mo
$433
Insurance / Mo
$84
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$3,129
Payment Standard
$3,370
Rent
$3,129
Insurance
$84
Property Tax
$433
Management
$313
Utilities Allowance
$241
NOI (Monthly)
$2,298
Debt Service
$1,597
Cash Flow After Debt
$702
Quality Score: 58.50%
Confidence: 80.00%
Moderate condition: the property shows evidence of routine wear and some deferred maintenance but is generally intact. Key inspection risks include exposed/hanging wiring in the living area, ceiling staining (possible past water intrusion), possible missing GFCI protection in kitchen, and uncertainty about the central HVAC functionality (window units present). With targeted electrical corrections, verification/repairs to any water-damaged areas, installation/verification of smoke/CO detectors and GFCIs, and general clean-out/cosmetic work, the home could be brought into NSPIRE compliance in approximately 30–60 days. Current likelihood of passing an initial HCV inspection is moderate-to-low without addressing the electrical and egress issues first.
Section 8 Payment Standard
$3,370
Utility Allowance Total
$241
Guaranteed Section 8 Rent (PS - Utilities)
$3,129
Property Management
$313
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$300,000
Beds
3
Baths
1
Living Area
1,080 sqft
Lot Size
6,016 sqft
Year Built
1983
Days on Market
186
Capital Outlay
$72,000
Debt Service
$1,597
Property Tax / Mo
$433
Insurance / Mo
$84
Property Description
SELLER MOTIVATED, NICE 3/1 HOUSE LOCATED NEAR HIGHWAYS, MAJOR ROADS, PARKS, SCHOOLS, NO HOA !! NICE-SIZED ROOMS. PROPERTY SOLD AS-IS. NO HOA. New roof 2022. Please check attachments
Utility Allowances
Air Conditioning
$32
Selected based on the 3-bedroom schedule for a single-family home. Property has wall/window AC units.
Heating
$5
Selected 'electric' option based on property description of 'WallFurnace', which is typically electric, for a 3-bedroom unit.
Cooking
$12
Selected 'electric' option as property photos and details do not indicate gas appliances, for a 3-bedroom unit.
Water Heating
$35
Selected 'electric' option, assuming consistency with other electric appliances (heating, cooking), for a 3-bedroom unit.
Other Electric
$37
Base allowance for miscellaneous tenant-paid electric usage in a 3-bedroom unit.
Water
$44
Selected based on the 3-bedroom schedule. Property description confirms connection to public water.
Sewer
$51
Selected based on the 3-bedroom schedule. Property description confirms connection to public sewer.
Trash Collection
$25
Standard fixed allowance for trash service for a single-family home.
Refrigerator
$0
Property description lists a refrigerator as an included appliance, resulting in a $0 allowance for the tenant.
Range/Microwave
$0
Property photos show a landlord-provided microwave, resulting in a $0 allowance for the tenant.
Natural Gas Base Charge
$0
No gas appliances were identified for the property. All major systems appear to be electric.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,010
DP3 Annual Estimate$1,010
DP1 Monthly Equivalent$84
DP3 Monthly Equivalent$84
Replacement Value$211,920
Basis1,080 sqft / 1983
Nearby Houses
Photo unavailable
420 NW 7th Ter
sold · 0.01 mi
Price: $199,000
4 bd / 2 ba · 1,309 sqft
Latest sale: $199,000
Latest rent: —
Photo unavailable
420 NW 7th Ter
for_sale · 0.01 mi
Price: $400,000
4 bd / 2 ba · 1,260 sqft
Latest sale: $199,000
Latest rent: —
Photo unavailable
405 NW 7th Ave
sold · 0.03 mi
Price: $300,000
— bd / — ba
Latest sale: $300,000
Latest rent: —
Photo unavailable
540 NW 7th Ter
sold · 0.06 mi
Price: $354,000
3 bd / 2 ba · 1,080 sqft
Latest sale: $354,000
Latest rent: —
Photo unavailable
422 NW 7th Ave
for_sale · 0.06 mi
Price: $185,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
428 NW 7th Ave
for_sale · 0.06 mi
Price: $200,000
— bd / — ba
Latest sale: $80,000
Latest rent: —
Photo unavailable
700 NW 6th St
sold · 0.08 mi
Price: $340,000
3 bd / 2 ba · 1,236 sqft
Latest sale: $340,000
Latest rent: —
Properties Used for Comps
Photo unavailable
705 NW 5th Ave, Pompano Beach, FL, 33060
sold
Price: $327,200
Rent: —
3 bd / 1 ba · 1,273 sqft
Sale Date: Mar 06, 2025
Distance: 0.22 mi
View listing
Photo unavailable
540 NW 7th Ter, Pompano Beach, FL, 33060
sold
Price: $354,000
Rent: —
3 bd / 1.5 ba · 1,080 sqft
Sale Date: Dec 01, 2025
Distance: 0.06 mi
View listing
Risk and Criteria Detail
Red Flags
- success
- Exposed/hanging electrical wiring from ceiling in living/dining area (electrical hazard)
- Ceiling discoloration and staining in multiple rooms (possible prior or ongoing water intrusion)
- Bedroom window(s) appear small and partially blocked by window AC unit — potential egress concern
- No clearly visible GFCI protection in kitchen area (safety/code issue)
- Laundry/mechanical area heavily cluttered blocking access to water heater/washer
Assumptions
- New roof 2022 is accurate (listing statement) and there are no active roof leaks despite ceiling staining; staining may be from a prior event.
- Central HVAC presence is ambiguous: ceiling vents suggest ductwork but window AC units are in use; assume at least partial cooling exists but central system operation is unverified.
- Smoke detector visible in photos is present and likely functional, but placement and battery/test status for entire unit are unknown.
- GFCI outlets in kitchen and bathroom are not clearly visible in photos; assume not present or not obvious and likely required by local inspection.
- No exterior photos were provided; exterior envelope, foundation, drainage, and walkways were judged on interior condition and the 'new roof' note.
- Appliances shown (stove, fridge, washer/dryer) are included but older; missing appliance condition would be an easy-to-fix, capital-only issue rather than a critical safety failure.
- Clutter in laundry/mechanical area could be removed and does not indicate systemic failure, but it currently blocks access to equipment and creates inspection friction.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $5,050 | $229,970 | $229,970 |
| 2024 | $801 | $229,970 | $229,970 |
| 2023 | $797 | $212,280 | $57,480 |
| 2022 | $791 | $160,290 | $55,810 |
| 2021 | $754 | $133,410 | $54,190 |
| 2020 | $741 | $118,200 | $53,450 |
| 2019 | $738 | $116,080 | $52,250 |
| 2018 | $713 | $103,340 | $51,280 |
| 2017 | $652 | $96,980 | $50,230 |
| 2016 | $614 | $91,660 | $49,200 |
| 2015 | $623 | $86,000 | $48,860 |
| 2014 | $628 | $60,540 | $48,480 |
| 2013 | $621 | $60,540 | $47,770 |
| 2012 | $593 | $46,980 | $46,980 |
| 2011 | $639 | $49,990 | $49,990 |
| 2010 | $719 | $66,770 | $60,110 |
| 2008 | $627 | $92,300 | $58,530 |
| 2007 | $696 | $120,440 | $56,780 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-26 | Price Changed | $300,000 |
| 2026-03-10 | Price Changed | $360,000 |
| 2026-03-05 | Price Changed | $350,000 |
| 2026-02-24 | Price Changed | $355,000 |
| 2026-02-18 | Price Changed | $360,000 |
| 2025-12-13 | Listed | $370,000 |
Photo Gallery
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"listing_id": "2989422504",
"last_update_date": "2026-03-26T03:32:39Z",
"last_status_change_date": "2025-12-13T02:48:38Z"
},
"event_name": "Listed",
"price_sqft": 342.5925925925926,
"source_name": "MiamiMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "A11928970",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Aug 12, 2002",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "plumbing permit",
"permit_effective_date": "Aug 12, 2002",
"permit_project_type_1": "Kitchen remodel",
"permit_project_type_2": "Plumbing",
"permit_project_type_3": "Residential"
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Alteration repair",
"permit_effective_date": "Aug 12, 2002",
"permit_project_type_1": "Residential",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Building permit",
"permit_effective_date": "Mar 8, 1996",
"permit_project_type_1": "Roofing",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "5568027801",
"generated_at": "2026-03-27T20:06:06.970481Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 58.5
},
"utility_allowance": {
"zip_code": "33060",
"home_photo": "https://ap.rdcpix.com/8de6791725afc3e7aef78abaae532202l-m546557194s-w1280.jpg",
"rent_price": 3129.0,
"loan_amount": 240000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/440-NW-7th-Ter_Pompano-Beach_FL_33060_M55680-27801",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 300000.0,
"loan_term_years": 30,
"annual_cash_flow": 27581.7,
"mortgage_monthly": 1596.73,
"payment_standard": 3370.0,
"total_amount_out": 60000.0,
"additional_photos": [
"https://ap.rdcpix.com/8de6791725afc3e7aef78abaae532202l-m481639356s-w1280.jpg",
"https://ap.rdcpix.com/8de6791725afc3e7aef78abaae532202l-m4161168560s-w1280.jpg",
"https://ap.rdcpix.com/8de6791725afc3e7aef78abaae532202l-m810724854s-w1280.jpg",
"https://ap.rdcpix.com/8de6791725afc3e7aef78abaae532202l-m3730973360s-w1280.jpg",
"https://ap.rdcpix.com/8de6791725afc3e7aef78abaae532202l-m2043599231s-w1280.jpg",
"https://ap.rdcpix.com/8de6791725afc3e7aef78abaae532202l-m1789713869s-w1280.jpg",
"https://ap.rdcpix.com/8de6791725afc3e7aef78abaae532202l-m3187205661s-w1280.jpg",
"https://ap.rdcpix.com/8de6791725afc3e7aef78abaae532202l-m2732900978s-w1280.jpg",
"https://ap.rdcpix.com/8de6791725afc3e7aef78abaae532202l-m135056097s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 84.17,
"monthly_cash_flow": 2298.47,
"property_tax_rate": 0.0095,
"_utility_allowance": {
"sources": [
"https://bchafl.org/wp-content/uploads/2024/06/Utility-Allowance-Schedule-2025.pdf"
],
"effective_date": "2025-01-01"
},
"utility_allowances": [
{
"note": "Selected based on the 3-bedroom schedule for a single-family home. Property has wall/window AC units.",
"utility": "Air Conditioning",
"allowance": 32
},
{
"note": "Selected 'electric' option based on property description of 'WallFurnace', which is typically electric, for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 5
},
{
"note": "Selected 'electric' option as property photos and details do not indicate gas appliances, for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "Selected 'electric' option, assuming consistency with other electric appliances (heating, cooking), for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "Base allowance for miscellaneous tenant-paid electric usage in a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 37
},
{
"note": "Selected based on the 3-bedroom schedule. Property description confirms connection to public water.",
"utility": "Water",
"allowance": 44
},
{
"note": "Selected based on the 3-bedroom schedule. Property description confirms connection to public sewer.",
"utility": "Sewer",
"allowance": 51
},
{
"note": "Standard fixed allowance for trash service for a single-family home.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Property description lists a refrigerator as an included appliance, resulting in a $0 allowance for the tenant.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Property photos show a landlord-provided microwave, resulting in a $0 allowance for the tenant.",
"utility": "Range/Microwave",
"allowance": 0
},
{
"note": "No gas appliances were identified for the property. All major systems appear to be electric.",
"utility": "Natural Gas Base Charge",
"allowance": 0
}
],
"cash_on_cash_return": 0.46,
"down_payment_amount": 60000.0,
"property_tax_annual": 5201.5,
"property_tax_monthly": 433.46,
"property_tax_increase": 0.03,
"utility_allowance_total": 241.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://bchafl.org/wp-content/uploads/2024/06/SAFMR-Payment-Standards-1.1.2025.pdf",
"https://www.bchafl.org/bcha-2025-small-area-payment-standards-effective-january-1-2025/"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 8420.99,
"property_management_monthly": 312.9,
"monthly_cash_flow_after_debt": 701.75,
"cash_on_cash_return_after_debt": 0.14
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate condition: the property shows evidence of routine wear and some deferred maintenance but is generally intact. Key inspection risks include exposed/hanging wiring in the living area, ceiling staining (possible past water intrusion), possible missing GFCI protection in kitchen, and uncertainty about the central HVAC functionality (window units present). With targeted electrical corrections, verification/repairs to any water-damaged areas, installation/verification of smoke/CO detectors and GFCIs, and general clean-out/cosmetic work, the home could be brought into NSPIRE compliance in approximately 30–60 days. Current likelihood of passing an initial HCV inspection is moderate-to-low without addressing the electrical and egress issues first.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 55.0,
"rationale": "Interior shows generally intact finishes but clear deferred maintenance and wear: scuffed/worn kitchen cabinets and countertops, dirty grout and tile, cluttered/overfilled laundry room, and ceiling surface discoloration/staining in multiple rooms. Appliances (stove, refrigerator, washer/dryer) are present but appear older. Missing ceiling vent/grille covers and hanging small-diameter wires from ceiling are visible (cosmetic to minor repair items but indicate unfinished work). Overall the unit is habitable but needs moderate cosmetic and targeted repairs to be inspection-ready."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 40.0,
"rationale": "Visible safety concerns that create inspection risk: exposed/hanging wiring from the ceiling in living/dining area (electrical hazard), no clearly visible GFCI-protected outlets in the kitchen around the sink, bedroom egress borderline (windows are small and a window AC unit occupies/obstructs a bedroom window), and laundry/storage clutter is blocking access to mechanical equipment. A smoke detector is visible in one photo but function and placement in all required locations cannot be confirmed. Bathroom and kitchen plumbing fixtures appear intact. These items produce moderate to significant NSPIRE risk and would likely prompt repair orders."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 50.0,
"rationale": "Major systems evidence is mixed: listing states a new roof in 2022 (positive). A water heater is present in the laundry room; plumbing fixtures appear serviceable in photos. There are ceiling HVAC vents but also window AC units in bedrooms/kitchen — either central HVAC is present but unverified operationally, or occupants rely on window units; this uncertainty is an inspection risk. The electrical panel is visible in the kitchen and appears to have a cover, but is dated. No obvious active leaks or collapsed systems observed, but the exposed wiring and ceiling staining raise questions about electrical and past water events that require trades verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "No exterior photos were provided; listing notes a new roof (2022) and 'no HOA.' Because the interior shows no obvious foundation cracking or structural sagging and the seller provided a recent roof replacement note, assume exterior envelope is generally serviceable. Without photos, items like grading/drainage, walkways, and siding condition cannot be confirmed; score reflects a neutral-to-favorable assumption with moderate uncertainty."
}
],
"red_flags": [
"Exposed/hanging electrical wiring from ceiling in living/dining area (electrical hazard)",
"Ceiling discoloration and staining in multiple rooms (possible prior or ongoing water intrusion)",
"Bedroom window(s) appear small and partially blocked by window AC unit — potential egress concern",
"No clearly visible GFCI protection in kitchen area (safety/code issue)",
"Laundry/mechanical area heavily cluttered blocking access to water heater/washer"
],
"confidence": 0.65,
"assumptions": [
"New roof 2022 is accurate (listing statement) and there are no active roof leaks despite ceiling staining; staining may be from a prior event.",
"Central HVAC presence is ambiguous: ceiling vents suggest ductwork but window AC units are in use; assume at least partial cooling exists but central system operation is unverified.",
"Smoke detector visible in photos is present and likely functional, but placement and battery/test status for entire unit are unknown.",
"GFCI outlets in kitchen and bathroom are not clearly visible in photos; assume not present or not obvious and likely required by local inspection.",
"No exterior photos were provided; exterior envelope, foundation, drainage, and walkways were judged on interior condition and the 'new roof' note.",
"Appliances shown (stove, fridge, washer/dryer) are included but older; missing appliance condition would be an easy-to-fix, capital-only issue rather than a critical safety failure.",
"Clutter in laundry/mechanical area could be removed and does not indicate systemic failure, but it currently blocks access to equipment and creates inspection friction."
],
"overall_score": 53.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "This 3-bedroom single-family home shows moderate deferred maintenance but no obvious catastrophic structural failures in the provided photos. Strengths include presence of appliances, laundry and water heater, and a reported new roof (2022). Primary inspection risks are safety-code items: likely missing/untested smoke/CO detectors, lack of GFCI protection in kitchen, laundry area clutter blocking water heater/utility access, and ceiling staining that suggests prior leaks/mold risk. HVAC operational status is unclear (window units present while ceiling vents suggest ductwork). With targeted repairs and corrections (install/test smoke & CO detectors, install GFCI protection, clear and secure utility areas, remediate stained ceiling areas, paint/clean, verify HVAC/hot water), this property is likely to pass an initial HCV/NSPIRE inspection within ~2–6 weeks. If HVAC or hidden leak/mold issues are confirmed, timeline and cost could increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 65.0,
"rationale": "Interior finishes show moderate deferred maintenance: scuffed walls, stained/popcorn ceilings, worn kitchen cabinets/countertops, visible dirt/grime, and general clutter. Appliances (stove, refrigerator, washer/dryer) are present which reduces impact. No major structural collapse visible. These are mostly cosmetic and standard turnover repairs (cleaning, paint, cabinet/fixture repairs) that should be resolved within a few weeks."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "Mixed observations: at least one ceiling-mounted smoke/CO style device is visible in photos but location/working status not confirmed; no CO detector specifically visible. Kitchen outlets/visible receptacles do not show GFCI protection (kitchen sink area), which is a common NSPIRE/Section 8 failure item. Laundry area is cluttered and storage is blocking access to the water heater and utility shutoffs. Ceiling staining suggests past or intermittent water intrusion which may have created hidden mold/moisture risk. Electrical panel appears present and covered. Bedroom egress windows exist but are small and cannot be fully verified as compliant from photos. Overall conditional pass potential but multiple safety-code items will likely require correction prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Positive: listing cites new roof (2022) and a water heater is present in laundry. Electrical panel present and appears intact. Visible ceiling vents imply ducted system, but window A/C units are installed (kitchen and bedroom), indicating either no working central HVAC or supplemental cooling — HVAC operational status is unconfirmed and needs verification. Plumbing fixtures (kitchen sink, bathroom fixtures) appear present and functioning visually. No obvious gas venting issues or burst plumbing visible. Systems require functional testing (HVAC, water heater, hot water, stove, fridge) before a confident pass determination."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "No exterior photos supplied; assessment relies on listing statement and interior clues. New roof 2022 is a strong positive for envelope condition. No visible signs of foundation failure or severe settlement from interior shots. Typical Florida slab conditions assumed; yard, sidewalks, and drive conditions unknown. Because the roof is new and there are no interior signs of active roof leaks (no large sagging or wet floors), exterior/site risk is assessed as moderate-to-good, but an exterior inspection is still required to confirm drainage, siding, and walkways."
}
],
"red_flags": [
"Ceiling stains/discoloration visible near vents — possible past or active water intrusion and potential mold risk.",
"Laundry/utility room heavily cluttered and stacked storage blocking access to water heater and utility shutoffs (access/combustible storage hazard).",
"No visible GFCI-protected receptacles in kitchen area — likely NSPIRE/Section 8 fail item.",
"No clearly visible carbon monoxide detector; smoke/CO devices not documented or tested in photos.",
"Window-mounted A/C units visible while ceiling vents exist — lack of clearly functioning central HVAC could be a fail in jurisdictions requiring permanent heating/cooling (requires verification).",
"Kitchen and other areas show general deterioration of finishes and fixtures that could hide smaller safety issues (loose flooring thresholds, trip hazards) once cleared of clutter."
],
"confidence": 0.6,
"assumptions": [
"New roof installed in 2022 per listing is accurate and currently watertight; interior ceiling staining is from a past leak, not active major roof failure.",
"Electrical panel is intact and accessible (cover present) and no obvious exposed live wiring is visible behind furniture.",
"Appliances pictured (range, refrigerator, washer/dryer) are present and assumed functional until tested; missing operational evidence may require repair but not assumed catastrophic.",
"Central HVAC operational status is unknown — ceiling vents present but window units visible; assume central system may be inoperative or supplemented but temper this as an unknown requiring verification.",
"Bedroom windows exist but can’t be verified for egress-compliance from photos; assume borderline egress until measured.",
"No exterior photos provided; exterior/site score assumes typical maintenance consistent with interior condition and listing statement (no HOA, single-family)."
],
"overall_score": 61.0,
"rubric_version": "ns_2025_v1"
},
{
"summary": "This 3-bed/1-bath single-family appears structurally intact and mostly livable but shows moderate deferred maintenance and several NSPIRE items requiring verification. Key positives: appliances present, water heater present, interior floors intact, and a reportedly new roof (2022). Key concerns: possible nonfunctional/partial central HVAC (window units in multiple rooms), ceiling staining near vents (past leak evidence), a boarded laundry/window opening, and lack of visible smoke/CO detectors and clear bedroom egress in photos. With targeted repairs/verification (confirm HVAC, install/verify smoke & CO alarms, repair/replace boarded window, address any egress deficiencies, basic cosmetic and electrical outlet/cover work) the property could be made Section 8 ready within roughly 2–6 weeks depending on HVAC and window/egress work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 65.0,
"rationale": "Interior finishes show moderate deferred maintenance but no catastrophic failure. Tile floors intact, cabinets and countertops are worn and dated, and the kitchen and bathroom need cosmetic refresh (caulking, paint, cabinet repairs). Appliances (stove, refrigerator, washer/dryer) are present but appear older; missing dishwasher not a failure. Living areas have clutter but no visible collapsed ceilings or exposed subfloor. Ceiling discoloration near vents indicates prior water intrusion but not actively leaking in photos. Overall: moderate, primarily cosmetic and light capital work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "Mixed evidence for basic safety items. One ceiling smoke detector is visible, but no CO alarm is shown and additional detectors in bedrooms/hallways are not evident in photos. Bedroom windows appear small in some images and one laundry window is boarded — potential egress issues for bedrooms and an opening that requires repair. Ceiling stains around vents may indicate prior roof/water problems (roof reportedly new 2022). Electrical panel cover is present in kitchen photo, but visible extension cords/window AC units indicate potential circuit loading or temporary wiring. No obvious major life-safety hazard (no collapsed structure, no standing water), but several NSPIRE checklist items require verification/repair before inspection (smoke/CO placement, egress windows, confirm secure deadbolt on entry)."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, water heater)",
"score": 60.0,
"rationale": "Roof reported new 2022 (positive). Water heater is present in laundry area. Electrical panel is visible and covered. However multiple rooms show window AC units while ceiling vents and returns are present, suggesting central HVAC may be non-operational or inconsistent; heating system visibility/operation not confirmed. Plumbing fixtures (kitchen sink, bathroom fixtures, washer hookups) appear present and functioning but should be tested. Overall systems appear complete but several items need verification/possible servicing (confirm central HVAC operation, test hot water and plumbing, test electrical circuits/GFCIs)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "No exterior photos provided. Listing notes a new roof in 2022 which mitigates major roof risk. No visible evidence in interior photos of ongoing active leaks aside from ceiling staining. Foundation, siding, walkways, and yard condition cannot be visually confirmed; absence of exterior deterioration in listing text and no visible severe interior foundation distress suggests the exterior/site is likely average for age (1983) but requires exterior inspection. Laundry window boarded is a site/exterior access concern."
}
],
"red_flags": [
"Possible non-functional or partial central HVAC (window air conditioners visible in multiple rooms) — heating/cooling operation must be confirmed.",
"Ceiling discoloration/staining around vents (evidence of past roof or HVAC-related leaks) — verify no active leaks.",
"Boarded/covered laundry window — repair or replace to ensure natural ventilation/egress and secure glazing.",
"No clearly visible smoke detectors in every required location and no visible CO alarm — install/verify per local code/NSPIRE.",
"Potential bedroom egress deficiencies (small windows) observable in photos — measure and remedy if non-compliant."
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'New roof 2022' is accurate and roof issues are resolved.",
"Electrical panel shown is intact and has no hidden code violations; visible cover indicates typical condition.",
"Water heater in laundry room is operational or repairable; no visible active leaks besides ceiling stains.",
"Central HVAC ductwork/vents are present but may be nonfunctional given presence of window AC units; inspector will need to confirm operation.",
"Bedrooms’ egress windows are borderline or smaller than modern egress standards in some photos — exact dimensions not available and will need field verification.",
"No significant exterior foundation or structural movement is present (no interior signs of major foundation distress in photos)."
],
"overall_score": 62.0,
"rubric_version": "ns_prep_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "440 NW 7th Ter, Pompano Beach, FL, 33060",
"aggregate": {
"summary": "Moderate condition: the property shows evidence of routine wear and some deferred maintenance but is generally intact. Key inspection risks include exposed/hanging wiring in the living area, ceiling staining (possible past water intrusion), possible missing GFCI protection in kitchen, and uncertainty about the central HVAC functionality (window units present). With targeted electrical corrections, verification/repairs to any water-damaged areas, installation/verification of smoke/CO detectors and GFCIs, and general clean-out/cosmetic work, the home could be brought into NSPIRE compliance in approximately 30–60 days. Current likelihood of passing an initial HCV inspection is moderate-to-low without addressing the electrical and egress issues first.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 61.7,
"rationale": "Interior shows generally intact finishes but clear deferred maintenance and wear: scuffed/worn kitchen cabinets and countertops, dirty grout and tile, cluttered/overfilled laundry room, and ceiling surface discoloration/staining in multiple rooms. Appliances (stove, refrigerator, washer/dryer) are present but appear older. Missing ceiling vent/grille covers and hanging small-diameter wires from ceiling are visible (cosmetic to minor repair items but indicate unfinished work). Overall the unit is habitable but needs moderate cosmetic and targeted repairs to be inspection-ready."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "No exterior photos were provided; listing notes a new roof (2022) and 'no HOA.' Because the interior shows no obvious foundation cracking or structural sagging and the seller provided a recent roof replacement note, assume exterior envelope is generally serviceable. Without photos, items like grading/drainage, walkways, and siding condition cannot be confirmed; score reflects a neutral-to-favorable assumption with moderate uncertainty."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 48.3,
"rationale": "Visible safety concerns that create inspection risk: exposed/hanging wiring from the ceiling in living/dining area (electrical hazard), no clearly visible GFCI-protected outlets in the kitchen around the sink, bedroom egress borderline (windows are small and a window AC unit occupies/obstructs a bedroom window), and laundry/storage clutter is blocking access to mechanical equipment. A smoke detector is visible in one photo but function and placement in all required locations cannot be confirmed. Bathroom and kitchen plumbing fixtures appear intact. These items produce moderate to significant NSPIRE risk and would likely prompt repair orders."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 56.7,
"rationale": "Major systems evidence is mixed: listing states a new roof in 2022 (positive). A water heater is present in the laundry room; plumbing fixtures appear serviceable in photos. There are ceiling HVAC vents but also window AC units in bedrooms/kitchen — either central HVAC is present but unverified operationally, or occupants rely on window units; this uncertainty is an inspection risk. The electrical panel is visible in the kitchen and appears to have a cover, but is dated. No obvious active leaks or collapsed systems observed, but the exposed wiring and ceiling staining raise questions about electrical and past water events that require trades verification."
}
],
"red_flags": [
"Exposed/hanging electrical wiring from ceiling in living/dining area (electrical hazard)",
"Ceiling discoloration and staining in multiple rooms (possible prior or ongoing water intrusion)",
"Bedroom window(s) appear small and partially blocked by window AC unit — potential egress concern",
"No clearly visible GFCI protection in kitchen area (safety/code issue)",
"Laundry/mechanical area heavily cluttered blocking access to water heater/washer"
],
"confidence": 0.8,
"assumptions": [
"New roof 2022 is accurate (listing statement) and there are no active roof leaks despite ceiling staining; staining may be from a prior event.",
"Central HVAC presence is ambiguous: ceiling vents suggest ductwork but window AC units are in use; assume at least partial cooling exists but central system operation is unverified.",
"Smoke detector visible in photos is present and likely functional, but placement and battery/test status for entire unit are unknown.",
"GFCI outlets in kitchen and bathroom are not clearly visible in photos; assume not present or not obvious and likely required by local inspection.",
"No exterior photos were provided; exterior envelope, foundation, drainage, and walkways were judged on interior condition and the 'new roof' note.",
"Appliances shown (stove, fridge, washer/dryer) are included but older; missing appliance condition would be an easy-to-fix, capital-only issue rather than a critical safety failure.",
"Clutter in laundry/mechanical area could be removed and does not indicate systemic failure, but it currently blocks access to equipment and creates inspection friction."
],
"score_method": "mean_of_criteria",
"overall_score": 58.5,
"rubric_version": "ns_prep_v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "5568027801"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.