Property ID: 5573753091
550 Allen Cir, Molino, FL, 32577
Molino, FL
Money Down: $27,672
CoC Return: 33.69%
Monthly Cash Flow: $777
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,060
Closing Costs
$4,612
Total Down
$27,672
Investment Snapshot
Purchase Price
$115,300
Money Down
$27,672
Cash-on-Cash Return
33.69%
Rent
$1,696
Monthly Cash Flow
$777
Annual Cash Flow
$9,323
Debt Service / Mo
$614
Property Tax / Mo
$41
Insurance / Mo
$95
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,933
Rent
$1,696
Insurance
$95
Property Tax
$41
Management
$170
Utilities Allowance
$237
NOI (Monthly)
$1,391
Debt Service
$614
Cash Flow After Debt
$777
Quality Score: 68.60%
Confidence: 95.00%
Overall the mobile home shows no visible major structural or life-safety failures and is likely to pass an initial NSPIRE/HCV inspection after addressing several straightforward items: verify and/or install CO detector, confirm GFCI protection in kitchen and bathrooms, test/verify HVAC and hot water operation, replace or deep-clean worn carpets, and secure/repair any loose stair/ramp components. No catastrophic defects (roof collapse, major water intrusion, exposed subfloor, or severe mold) are evident in the photos, so with 1–4 weeks of targeted repairs/verification this property appears rentable under Section 8 standards.
Section 8 Payment Standard
$1,933
Utility Allowance Total
$237
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,300
Beds
3
Baths
2
Living Area
1,216 sqft
Lot Size
40,511 sqft
Year Built
2006
Days on Market
182
Capital Outlay
$27,672
Debt Service
$614
Property Tax / Mo
$41
Insurance / Mo
$95
Property Description
Looking for quiet, country-style living? This is it! This charming mobile home offers 3 bedrooms and 2 full baths with 1, 216 sq. ft. of living space, all set on nearly an acre of land in a secluded neighborhood. Its the perfect place to enjoy peace and relaxation after work or on the weekends. Theres plenty of open space for gardening, outdoor hobbies, or future expansionswhatever fits your lifestyle. Come take a look and make it YOUR home today!
Utility Allowances
air_conditioning
$49
Property has Central Air Cooling as per the listing details.
cooking
$13
Selected 'electric' as property photos show an electric range. The 3-bedroom allowance is $13.
heating
$31
Selected 'electric' based on the presence of an electric water heater and it being a common fuel source for this property type. The 3-bedroom allowance is $31.
monthly_electric_fee
$11
Fixed monthly base fee for having electric service, which is required for heating, cooking, AC, and other electric.
monthly_gas_fee
$0
No gas appliances were identified in the property details, so no gas service is assumed.
other_electric
$70
Standard allowance for general electrical use, such as lights and outlets.
trash_collection
$32
Standard allowance for municipal trash collection service at a single-family residence.
water_heater
$31
Selected 'electric' as the property details explicitly list 'Electric Water Heater'. The 3-bedroom allowance is $31.
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$1,137
DP3 Annual Estimate$1,137
DP1 Monthly Equivalent$95
DP3 Monthly Equivalent$95
Replacement Value$63,596
Basis1,216 sqft / 2006
Nearby Houses
Photo unavailable
5986 Cedartown Rd
sold · 0.23 mi
Price: $35,000
4 bd / 1 ba · 1,360 sqft
Latest sale: $35,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Heating is provided by the visible HVAC components (hall return grille and/or window units); system is assumed present but not tested.
- Water heater and electrical service exist and are functional but were not visible in photos; assumed operable until proven otherwise.
- Smoke detector seen in hallway is operational; battery/test status unknown.
- Carbon monoxide detector is not visible in photos and is assumed absent until installed/verified.
- GFCI outlets are not visible in kitchen/bath and are assumed to need verification or installation.
- Bedroom windows provide required egress but sizing/operability were not measured; assume they are likely adequate given home age but require confirmation.
- Under-skirt anchoring/tie-downs for the manufactured home were not photographed; assumed present but should be verified per local code/HUD if required.
- No evidence of active pest infestation or severe mold was visible; none assumed beyond normal wear.
- Interior appliance functionality (stove, fridge, dishwasher, washer/dryer) is assumed but should be tested prior to inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $478 | $74,756 | $43,784 |
| 2023 | $341 | $70,702 | $41,312 |
| 2022 | $327 | $61,624 | $40,109 |
| 2021 | $318 | $52,800 | $38,941 |
| 2020 | $307 | $48,714 | $38,404 |
| 2019 | $297 | $46,160 | $37,541 |
| 2018 | $291 | $45,278 | $36,842 |
| 2017 | $284 | $41,980 | $36,085 |
| 2016 | $276 | $41,204 | $35,343 |
| 2015 | $249 | $37,664 | $35,098 |
| 2014 | $223 | $35,328 | $34,820 |
| 2013 | $226 | $34,306 | $34,306 |
| 2012 | $233 | $34,596 | $34,596 |
| 2011 | $233 | $34,885 | $34,885 |
| 2010 | $233 | $35,175 | $35,175 |
| 2009 | $298 | $39,370 | $39,370 |
| 2008 | $341 | $42,290 | $42,290 |
| 2007 | $410 | $45,350 | $45,350 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-17 | Listed | $115,300 |
| 2023-11-27 | Listing removed | $0 |
| 2023-10-17 | Relisted | $115,300 |
| 2023-09-12 | Listing removed | $0 |
| 2023-08-24 | Listed | $115,300 |
Photo Gallery
Show raw JSON (debug)
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"https://ap.rdcpix.com/917fbe6dc1e467bb11126ee126751c27l-b1504824808s-w1280.jpg",
"https://ap.rdcpix.com/917fbe6dc1e467bb11126ee126751c27l-b79112900s-w1280.jpg",
"https://ap.rdcpix.com/917fbe6dc1e467bb11126ee126751c27l-b2133667885s-w1280.jpg",
"https://ap.rdcpix.com/917fbe6dc1e467bb11126ee126751c27l-b2194486055s-w1280.jpg",
"https://ap.rdcpix.com/917fbe6dc1e467bb11126ee126751c27l-b1072845266s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 94.75,
"monthly_cash_flow": 1390.62,
"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": "Property has Central Air Cooling as per the listing details.",
"utility": "air_conditioning",
"allowance": 49
},
{
"note": "Selected 'electric' as property photos show an electric range. The 3-bedroom allowance is $13.",
"utility": "cooking",
"allowance": 13
},
{
"note": "Selected 'electric' based on the presence of an electric water heater and it being a common fuel source for this property type. The 3-bedroom allowance is $31.",
"utility": "heating",
"allowance": 31
},
{
"note": "Fixed monthly base fee for having electric service, which is required for heating, cooking, AC, and other electric.",
"utility": "monthly_electric_fee",
"allowance": 11
},
{
"note": "No gas appliances were identified in the property details, so no gas service is assumed.",
"utility": "monthly_gas_fee",
"allowance": 0
},
{
"note": "Standard allowance for general electrical use, such as lights and outlets.",
"utility": "other_electric",
"allowance": 70
},
{
"note": "Standard allowance for municipal trash collection service at a single-family residence.",
"utility": "trash_collection",
"allowance": 32
},
{
"note": "Selected 'electric' as the property details explicitly list 'Electric Water Heater'. The 3-bedroom allowance is $31.",
"utility": "water_heater",
"allowance": 31
}
],
"cash_on_cash_return": 0.72,
"down_payment_amount": 23060.0,
"property_tax_annual": 492.34,
"property_tax_monthly": 41.03,
"property_tax_increase": 0.03,
"utility_allowance_total": 237.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"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_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": 9323.36,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": 776.95,
"cash_on_cash_return_after_debt": 0.4
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the mobile home shows no visible major structural or life-safety failures and is likely to pass an initial NSPIRE/HCV inspection after addressing several straightforward items: verify and/or install CO detector, confirm GFCI protection in kitchen and bathrooms, test/verify HVAC and hot water operation, replace or deep-clean worn carpets, and secure/repair any loose stair/ramp components. No catastrophic defects (roof collapse, major water intrusion, exposed subfloor, or severe mold) are evident in the photos, so with 1–4 weeks of targeted repairs/verification this property appears rentable under Section 8 standards.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior appears lived-in but generally intact. Photos show intact drywall, ceiling panels without visible water stains, functioning doors and hardware, and all major kitchen appliances present (stove, microwave, dishwasher, refrigerator). Carpets and some finishes are worn/stained and will need cleaning or replacement for rental turnover. Front entry steps and ramp are serviceable but show wear and will benefit from tightening/paint. Laundry appliances are present and connected. Overall visible issues are cosmetic or minor repair items rather than major structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "Basic safety items appear mostly present: a ceiling smoke detector is visible in the living area and the entry door has a lock (deadbolt appears present). No exposed wiring, active leaks, collapsed ceilings, or visible mold were observed. Uncertainties that reduce score: no carbon monoxide detector visible in photos, GFCI protection at kitchen/bath outlets is not shown, electrical panel not photographed, and bedroom egress window compliance cannot be confirmed from images. Handrails exist on ramp/stairs but final securement and baluster spacing not verified. These unknowns create moderate inspection risk that should be resolved prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Major systems show signs of presence and likely function: a large return/air handler grille in the hall and a window AC unit in living room indicate HVAC equipment is present (central or ducted air handler likely). Kitchen appliances and laundry machines are present. Ceilings show no visible roof leak staining and bathroom fixtures look intact. Water heater, electrical panel, actual heating operation, and hot water performance were not visible; these should be verified. No visible signs of major plumbing failure or roof sagging."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.0,
"rationale": "Exterior shell appears intact: siding/skirting in place, roofline straight with no visible sag, and the lot is large and clear of debris. The front entry ramp and steps are functional though somewhat worn; the driveway/parking area is unpaved sand/gravel which may be muddy and could create trip/mobility issues. Skirting is installed but undercarriage access and tie-downs (manufactured home anchoring) were not documented. Yard and walkways present no obvious hazard in photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Heating is provided by the visible HVAC components (hall return grille and/or window units); system is assumed present but not tested.",
"Water heater and electrical service exist and are functional but were not visible in photos; assumed operable until proven otherwise.",
"Smoke detector seen in hallway is operational; battery/test status unknown.",
"Carbon monoxide detector is not visible in photos and is assumed absent until installed/verified.",
"GFCI outlets are not visible in kitchen/bath and are assumed to need verification or installation.",
"Bedroom windows provide required egress but sizing/operability were not measured; assume they are likely adequate given home age but require confirmation.",
"Under-skirt anchoring/tie-downs for the manufactured home were not photographed; assumed present but should be verified per local code/HUD if required.",
"No evidence of active pest infestation or severe mold was visible; none assumed beyond normal wear.",
"Interior appliance functionality (stove, fridge, dishwasher, washer/dryer) is assumed but should be tested prior to inspection."
],
"overall_score": 69.0,
"rubric_version": "ns-promo-2026-1"
},
{
"summary": "This 2006 single-wide mobile home appears largely habitable and likely able to pass a Section 8/HCV initial inspection after a short punch list. Interior and appliances are present and in serviceable condition; primary concerns are verification and/or installation of all required smoke and CO detectors, confirmation of GFCI protection in wet areas, and routine verification of HVAC, water heater and electrical panel. Exterior and site are serviceable but grading/drainage and entry rail/anchorage details should be confirmed. Expect minor-to-moderate fixes (detectors, GFCI outlets, minor exterior/entry work) to reach turnkey readiness within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 72.0,
"rationale": "Interior appears lived-in but generally intact. Carpets and area rugs cover much of the floors and show wear but no large visible stains or ripped subfloor. Cabinets, counters and bathroom fixtures appear serviceable. Appliances (stove, refrigerator, dishwasher, washer/dryer) are present in photos; missing-appliance risk is low. Entry steps and ramp exist but cosmetic wear and finish work would improve readiness. Overall condition suggests minor cosmetic repairs and cleaning rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "Positive: at least one smoke alarm is visible in the living/hall area and entry door shows a deadbolt. No exposed wiring, collapsed ceilings, or visible active leaks were observed. Uncertain/negative: carbon monoxide alarms not visible in photos; smoke alarms in bedrooms not visible (NSPIRE requires alarms in sleeping rooms and corridors); GFCI receptacles in kitchen/bath not identifiable in photos. Egress windows appear present in bedrooms but measurements/clearances cannot be confirmed. Ramp and steps have rails but exact height and graspability per code are unverified. Given visible compliance in many basic areas but several required items unconfirmed, moderate risk of initial inspection items failing without minor upgrades (add/verify detectors, add GFCIs, verify egress)."
},
{
"key": "systems_mechanical",
"label": "Mechanical & Major Systems",
"score": 70.0,
"rationale": "Evidence of an HVAC return grille in the hallway and ceiling fans indicate climate control is present; washer/dryer and kitchen appliances are present and look functional. No water staining or active roof leaks visible from interior photos; attic/roof condition not inspected. Electrical panel and water heater are not shown. Overall systems appear functional but key system components (panel, water heater, HVAC operation verification) were not documented in photos and would need routine verification—score reflects likely operational systems but with moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.0,
"rationale": "Exterior mobile home shell and skirting are installed; roofline appears even and siding intact from photos. Property sits on a dirt/gravel drive with a large open lot; drainage grading is not clearly shown and could be a concern in heavy rain. Entry ramp and steps exist; ramp appears serviceable though finish/anchorage not verifiable. No visible standing water, major exterior structural damage, or infestation evidence in the provided exterior photo. Yard is unpaved and will likely require routine maintenance; overall site condition is functional but not fully inspected for anchoring or skirting integrity."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"The listed stove, refrigerator, dishwasher, and washer/dryer shown in photos are included and are operational or can be made operational with minor service.",
"HVAC is present and functional (return grille visible); full operational testing has not been performed.",
"Water heater and electrical panel exist and are functional but were not photographed; assumed no active leaks or major electrical hazards because no staining or exposed wiring was observed.",
"Smoke alarm visible in hall exists, but smoke alarms inside each bedroom and carbon monoxide alarms are not visible in photos and likely need verification/installation.",
"Skirting is present but condition and anchoring of the unit to foundation/piers cannot be verified from photos.",
"Septic/sewer connection and hot water availability are assumed functional because bathrooms and laundry are staged but must be confirmed on-site.",
"No visible mold, active roof leaks, collapsed ceilings, or major structural cracking in photos; hidden issues are still possible but not indicated by imagery."
],
"overall_score": 69.0,
"rubric_version": "ns-2026-03-mobile-1"
},
{
"summary": "This 2006 mobile home appears largely serviceable and likely to pass most NSPIRE checks after addressing a small set of targeted items. Positive indicators: functioning appliances, laundry, visible HVAC return, intact ceilings, and a visible smoke detector. Primary inspection risks are the front steps/ramp handrail/guard compliance, skirting/gap allowing crawlspace access, and lack of visible CO alarm and documented GFCI outlets/electrical panel. These are repairable (typically under 30 days) but should be corrected before an initial HCV inspection to avoid a fail.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior finishes are intact and lived-in but show wear. Carpets/rugs are heavily used and would likely need cleaning or replacement for turnover. Kitchens and baths are present and appear serviceable; stove, refrigerator, dishwasher, washer and dryer are visible in photos (reduces penalty for missing appliances). Ceiling panels and drywall show no visible major damage. Entry stairs and ramp show DIY construction and wear that will need securing and possibly replacement to meet safety standards. Overall: mostly cosmetic and mid-level repair items, not major structural work."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "A smoke detector is visible in the hallway (positive). No carbon monoxide alarm is visible in photos; if there is a gas range or gas appliances, a CO alarm will be required. The entry stairs/ramp appear to lack a fully code-compliant handrail and guard in at least one location — this is a common Section 8 fail. No obvious exposed wiring, active leaks, collapsed ceilings, or severe mold are visible. GFCI outlets and electrical panel were not shown; inability to confirm GFCI in kitchen/bath is a risk but not an observed failure. Bedroom egress windows appear present but dimensions are not verifiable from photos. Overall some code risk items that are typically easy-to-remediate but could fail an inspection if not addressed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Photos show central HVAC closet/return in hallway and a window AC unit in living area; presence of an HVAC system is likely and reduces risk. Kitchen appliances (stove, microwave, refrigerator, dishwasher) and laundry machines are present; that lowers risk. No water heater or electrical panel was photographed, so their condition is unverified. Roof condition cannot be assessed from provided images but exterior roofline appears intact with no visible sagging. Plumbing fixtures in bathrooms appear intact and functional. Given visible systems, major system failure is not evident but not fully documented."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Mobile home on nearly an acre with ample yard; exterior siding/skirting is present but there appear to be gaps/looseness in skirting near the front ramp which can allow pest access and may be cited if crawlspace is accessible. Front entry stairs and ramp look weathered and possibly not fully secured or code-compliant (handrail/guard concerns). Driveway is unpaved; site drainage, grading and foundation anchoring cannot be confirmed from photos. Trees are near the home (normal for country setting) but no immediate evidence of severe exterior structural failure. Overall some exterior maintenance and safety repairs likely needed."
}
],
"red_flags": [
"Front entry stairs/ramp appear to lack a fully compliant handrail/guard — potential immediate safety inspection fail.",
"Skirting shows gaps/looseness allowing crawlspace access — pest/rodent entry and code concern.",
"No carbon monoxide alarm visible (required where fuel-burning appliances are present); presence of a gas appliance was not verifiable from photos.",
"GFCI protection in kitchen/bath not documented (outlets not shown) — possible code issue if missing."
],
"confidence": 0.7,
"assumptions": [
"Utilities (electric, water) are operational and provide hot water unless otherwise noted; photographs show working lights and appliances which support this assumption.",
"Water heater and electrical service/panel exist and are functional although not photographed.",
"Bedroom egress windows meet minimum size requirements or can be made to comply; photo perspectives limited ability to measure.",
"No active roof leaks or significant foundation movement exist (no visible evidence in photos).",
"Appliances shown in photos (stove, fridge, dishwasher, washer/dryer) are included and in working order unless removed prior to inspection.",
"No recent major pest infestation or subfloor exposure beyond skirting gaps is present (no visible evidence)."
],
"overall_score": 68.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "550 Allen Cir, Molino, FL, 32577",
"aggregate": {
"summary": "Overall the mobile home shows no visible major structural or life-safety failures and is likely to pass an initial NSPIRE/HCV inspection after addressing several straightforward items: verify and/or install CO detector, confirm GFCI protection in kitchen and bathrooms, test/verify HVAC and hot water operation, replace or deep-clean worn carpets, and secure/repair any loose stair/ramp components. No catastrophic defects (roof collapse, major water intrusion, exposed subfloor, or severe mold) are evident in the photos, so with 1–4 weeks of targeted repairs/verification this property appears rentable under Section 8 standards.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior appears lived-in but generally intact. Photos show intact drywall, ceiling panels without visible water stains, functioning doors and hardware, and all major kitchen appliances present (stove, microwave, dishwasher, refrigerator). Carpets and some finishes are worn/stained and will need cleaning or replacement for rental turnover. Front entry steps and ramp are serviceable but show wear and will benefit from tightening/paint. Laundry appliances are present and connected. Overall visible issues are cosmetic or minor repair items rather than major structural failures."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.3,
"rationale": "Exterior shell appears intact: siding/skirting in place, roofline straight with no visible sag, and the lot is large and clear of debris. The front entry ramp and steps are functional though somewhat worn; the driveway/parking area is unpaved sand/gravel which may be muddy and could create trip/mobility issues. Skirting is installed but undercarriage access and tie-downs (manufactured home anchoring) were not documented. Yard and walkways present no obvious hazard in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "Basic safety items appear mostly present: a ceiling smoke detector is visible in the living area and the entry door has a lock (deadbolt appears present). No exposed wiring, active leaks, collapsed ceilings, or visible mold were observed. Uncertainties that reduce score: no carbon monoxide detector visible in photos, GFCI protection at kitchen/bath outlets is not shown, electrical panel not photographed, and bedroom egress window compliance cannot be confirmed from images. Handrails exist on ramp/stairs but final securement and baluster spacing not verified. These unknowns create moderate inspection risk that should be resolved prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Major systems show signs of presence and likely function: a large return/air handler grille in the hall and a window AC unit in living room indicate HVAC equipment is present (central or ducted air handler likely). Kitchen appliances and laundry machines are present. Ceilings show no visible roof leak staining and bathroom fixtures look intact. Water heater, electrical panel, actual heating operation, and hot water performance were not visible; these should be verified. No visible signs of major plumbing failure or roof sagging."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Heating is provided by the visible HVAC components (hall return grille and/or window units); system is assumed present but not tested.",
"Water heater and electrical service exist and are functional but were not visible in photos; assumed operable until proven otherwise.",
"Smoke detector seen in hallway is operational; battery/test status unknown.",
"Carbon monoxide detector is not visible in photos and is assumed absent until installed/verified.",
"GFCI outlets are not visible in kitchen/bath and are assumed to need verification or installation.",
"Bedroom windows provide required egress but sizing/operability were not measured; assume they are likely adequate given home age but require confirmation.",
"Under-skirt anchoring/tie-downs for the manufactured home were not photographed; assumed present but should be verified per local code/HUD if required.",
"No evidence of active pest infestation or severe mold was visible; none assumed beyond normal wear.",
"Interior appliance functionality (stove, fridge, dishwasher, washer/dryer) is assumed but should be tested prior to inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 68.6,
"rubric_version": "ns-promo-2026-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "5573753091"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.