Property ID: 5632965280
5727 Thompson Rd, Charlotte, NC, 28216
Charlotte, NC
Money Down: $56,400
CoC Return: 9.88%
Monthly Cash Flow: $464
Est. Final ARV: $229,859
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$47,000
Closing Costs
$9,400
Total Down
$56,400
Investment Snapshot
Purchase Price
$235,000
Money Down
$56,400
Cash-on-Cash Return
9.88%
Rent
$2,002
Monthly Cash Flow
$464
Annual Cash Flow
$5,571
Debt Service / Mo
$1,251
Property Tax / Mo
$45
Insurance / Mo
$42
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,002
Payment Standard
$2,277
Rent
$2,002
Insurance
$42
Property Tax
$45
Management
$200
Utilities Allowance
$275
NOI (Monthly)
$1,715
Debt Service
$1,251
Cash Flow After Debt
$464
Quality Score: 69.90%
Confidence: 90.00%
This 3-bed, 2-bath manufactured home appears generally well maintained and likely to pass a first Housing Choice Voucher/NSPIRE inspection after a small number of targeted safety and code fixes. Strong points: updated interior finishes, functioning kitchen with appliances, intact siding/skirting, and sound-looking porches. Primary concerns that could cause a conditional or failed inspection: no visible smoke/CO detectors in photos, exposed/draped wiring on the back porch, and unverified GFCI protection at kitchen sink. Mechanical systems (panel, water heater, HVAC) were not photographed and should be verified. Overall the property is rentable with minor-to-moderate prep work (repairs, detector installation, and mechanical verification) likely within 30 days.
Section 8 Payment Standard
$2,277
Utility Allowance Total
$275
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$235,000
Beds
3
Baths
2
Living Area
1,344 sqft
Lot Size
20,038 sqft
Year Built
1984
Days on Market
79
Capital Outlay
$56,400
Debt Service
$1,251
Property Tax / Mo
$45
Insurance / Mo
$42
Property Description
Well-maintained 3 bedroom, 2 bathroom manufactured home situated on a spacious .46-acre lot. This property offers the perfect blend of comfort and outdoor living with two large covered porches-one on the front and one on the back-ideal for relaxing, entertaining, or enjoying peaceful mornings and evenings. The home features a functional layout with generously sized bedrooms and ample living space throughout. Plenty of room to enjoy the outdoors, garden, or create your own private retreat. A great opportunity for those seeking space, privacy, and easy living.
Utility Allowances
Air Conditioning
$25
Selected based on the 3-bedroom rate for a single-family home. Assumed to be electric central air, which is standard for this property type and region.
Cooking
$12
Selected 'Electric' cooking. The property has a heat pump, suggesting it is primarily electric. This is the most consistent choice. The rate is for a 3-bedroom unit.
Gas Service Fee
$0
No gas utilities (heating, cooking, water heating) were selected, so the gas service fee is not applicable.
Heating
$29
Selected 'Electric Heat Pump' as it is explicitly mentioned in the property details ('Heating Features: Heat Pump'). The rate is for a 3-bedroom unit.
Other Electric
$79
This is a standard charge for lights and tenant-supplied appliances. Selected based on the 3-bedroom rate.
Range/Stove
$11
The property listing does not explicitly state that a range or stove is provided. Per the rules, this is treated as a tenant-owned appliance. The rate is for a 3-bedroom unit.
Refrigerator
$0
The property listing explicitly states that a refrigerator is provided, so the tenant is not responsible for this utility cost.
Sewer
$89
The property details explicitly state 'Public Sewer'. The rate is for a 3-bedroom unit.
Water
$0
The property details explicitly state the 'Water Source: Well'. This means there is no municipal water bill, so the allowance is zero.
Water Heating
$30
Selected 'Electric' water heating to be consistent with the property's electric heat pump and inferred electric cooking. The rate is for a 3-bedroom unit.
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$411
DP3 Annual Estimate$600
DP1 Monthly Equivalent$34
DP3 Monthly Equivalent$50
Replacement Value$54,320
Basis1,344 sqft / 1984
Nearby Houses
Photo unavailable
5809 Thompson Rd
sold · 0.06 mi
Price: $164,500
3 bd / 2 ba · 1,728 sqft
Latest sale: $164,500
Latest rent: —
Photo unavailable
5800 Thompson Rd
sold · 0.06 mi
Price: $45,000
2 bd / 2 ba · 912 sqft
Latest sale: $45,000
Latest rent: —
Photo unavailable
5408 Kiev Dr
sold · 0.07 mi
Price: $158,000
3 bd / 3 ba · 1,653 sqft
Latest sale: $158,000
Latest rent: —
Photo unavailable
5508 Kiev Dr
sold · 0.07 mi
Price: $119,000
3 bd / 3 ba · 1,689 sqft
Latest sale: $119,000
Latest rent: —
Photo unavailable
5404 Kiev Dr
sold · 0.08 mi
Price: $185,000
3 bd / 3 ba · 1,783 sqft
Latest sale: $185,000
Latest rent: —
Photo unavailable
5507 Kiev Dr
sold · 0.08 mi
Price: $230,000
4 bd / 3 ba · 2,366 sqft
Latest sale: $230,000
Latest rent: —
Photo unavailable
5710 Thompson Rd
sold · 0.08 mi
Price: $36,000
— bd / — ba
Latest sale: $36,000
Latest rent: —
Photo unavailable
5411 Kiev Dr
sold · 0.09 mi
Price: $225,000
4 bd / 3 ba · 2,740 sqft
Latest sale: $225,000
Latest rent: —
Photo unavailable
5326 Kiev Dr
sold · 0.09 mi
Price: $330,000
4 bd / 3 ba · 1,916 sqft
Latest sale: $330,000
Latest rent: —
Photo unavailable
3925 Oliva Diane Ln
sold · 0.10 mi
Price: $228,000
3 bd / 3 ba · 2,150 sqft
Latest sale: $228,000 on Oct 27, 2020
Latest rent: —
Photo unavailable
5621 Thompson Rd
sold · 0.10 mi
Price: $380,000
4 bd / 3 ba · 2,289 sqft
Latest sale: $380,000
Latest rent: —
Photo unavailable
4013 Fifendrum Ln
sold · 0.11 mi
Price: $180,000
4 bd / 3 ba · 1,748 sqft
Latest sale: $180,000
Latest rent: —
Properties Used for Comps
Photo unavailable
5832 Thompson Rd, Charlotte, NC, 28216
sold
Price: $255,000
Rent: —
3 bd / 2 ba · 1,491 sqft
Sale Date: Mar 17, 2026
Distance: 0.12 mi
View listing
Risk and Criteria Detail
Red Flags
- success
- Exposed/draped electrical cable on rear porch (electrical/trip hazard)
- No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE failure if absent)
- No visible GFCI near kitchen sink (unable to confirm required protection)
- Manufactured home (1984) — tie-downs, skirting access and structural anchoring not visible and may present hidden risks if not up to current standards
- Unseen electrical panel/water heater — mechanicals not photographed and should be verified before tenancy
Assumptions
- Central HVAC is present and operational based on visible floor vents and ceiling fans (no HVAC unit photo provided).
- Kitchen appliances (range and refrigerator) are functional as shown; if non-functional this would lower condition/systems scores.
- No smoke detectors or CO alarms are present in the unit because none are visible in interior photos; assume none installed or not in compliant locations.
- Roof has no active leaks because no water stains or ceiling sagging are visible in interior photos.
- Skirting and pier supports exist (common for manufactured homes) but condition and anchoring/tie-downs are not visible and therefore unverified.
- Electrical panel, water heater and main plumbing fixtures exist but their condition is unknown due to lack of photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $520 | $67,900 | $67,900 |
| 2024 | $514 | $67,900 | $67,900 |
| 2023 | $592 | $67,900 | $67,900 |
| 2022 | $335 | $25,800 | $25,800 |
| 2021 | $248 | $25,800 | $25,800 |
| 2020 | $248 | $25,800 | $25,800 |
| 2019 | $248 | $25,800 | $25,800 |
| 2018 | $259 | $19,800 | $19,800 |
| 2017 | $256 | $19,800 | $19,800 |
| 2016 | $256 | $19,800 | $19,800 |
| 2015 | $256 | $19,800 | $19,800 |
| 2014 | $254 | $19,800 | $19,800 |
| 2013 | $254 | $19,800 | $19,800 |
| 2012 | $243 | $19,800 | $19,800 |
| 2011 | $248 | $19,800 | $19,800 |
| 2010 | $259 | $20,000 | $20,000 |
| 2009 | $259 | $20,000 | $20,000 |
| 2008 | $259 | $20,000 | $20,000 |
| 2007 | $259 | $20,000 | $20,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-12 | Price Changed | $235,000 |
| 2026-01-23 | Listed | $250,000 |
| 2019-07-01 | Sold | $96,000 |
| 2018-12-14 | Sold | $42,000 |
Photo Gallery
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"https://ap.rdcpix.com/f893b6fb3c87d811518b1eebd65a9ffdl-m2521754261s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 42.12,
"monthly_cash_flow": 1715.04,
"property_tax_rate": 0.008,
"_utility_allowance": {
"sources": [
"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/NC003/sources/utility/wp-content_uploads_2025_12_UA-2.1.26.raster.pdf"
],
"effective_date": "2026-02-01"
},
"utility_allowances": [
{
"note": "Selected based on the 3-bedroom rate for a single-family home. Assumed to be electric central air, which is standard for this property type and region.",
"utility": "Air Conditioning",
"allowance": 25
},
{
"note": "Selected 'Electric' cooking. The property has a heat pump, suggesting it is primarily electric. This is the most consistent choice. The rate is for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "No gas utilities (heating, cooking, water heating) were selected, so the gas service fee is not applicable.",
"utility": "Gas Service Fee",
"allowance": 0
},
{
"note": "Selected 'Electric Heat Pump' as it is explicitly mentioned in the property details ('Heating Features: Heat Pump'). The rate is for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 29
},
{
"note": "This is a standard charge for lights and tenant-supplied appliances. Selected based on the 3-bedroom rate.",
"utility": "Other Electric",
"allowance": 79
},
{
"note": "The property listing does not explicitly state that a range or stove is provided. Per the rules, this is treated as a tenant-owned appliance. The rate is for a 3-bedroom unit.",
"utility": "Range/Stove",
"allowance": 11
},
{
"note": "The property listing explicitly states that a refrigerator is provided, so the tenant is not responsible for this utility cost.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property details explicitly state 'Public Sewer'. The rate is for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 89
},
{
"note": "The property details explicitly state the 'Water Source: Well'. This means there is no municipal water bill, so the allowance is zero.",
"utility": "Water",
"allowance": 0
},
{
"note": "Selected 'Electric' water heating to be consistent with the property's electric heat pump and inferred electric cooking. The rate is for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 30
}
],
"cash_on_cash_return": 0.44,
"down_payment_amount": 47000.0,
"property_tax_annual": 535.6,
"property_tax_monthly": 44.63,
"property_tax_increase": 0.03,
"utility_allowance_total": 275.0,
"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": 5571.28,
"property_management_monthly": 200.2,
"monthly_cash_flow_after_debt": 464.27,
"cash_on_cash_return_after_debt": 0.12
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed, 2-bath manufactured home appears generally well maintained and likely to pass a first Housing Choice Voucher/NSPIRE inspection after a small number of targeted safety and code fixes. Strong points: updated interior finishes, functioning kitchen with appliances, intact siding/skirting, and sound-looking porches. Primary concerns that could cause a conditional or failed inspection: no visible smoke/CO detectors in photos, exposed/draped wiring on the back porch, and unverified GFCI protection at kitchen sink. Mechanical systems (panel, water heater, HVAC) were not photographed and should be verified. Overall the property is rentable with minor-to-moderate prep work (repairs, detector installation, and mechanical verification) likely within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently updated with intact flooring, painted cabinets, functional-looking kitchen and appliances (stove and fridge visible). Exterior siding and skirting are intact. Minor deferred items visible: scratched/peeling paint on some cabinet faces, weathering on porch railings and steps, and general cosmetic wear. Missing or damaged appliance(s) are not evident; therefore only moderate point deductions for cosmetic and finish repairs."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE safety items could not be confirmed in photos and at least one visible safety concern exists. No smoke detectors or CO alarms are visible in interior photos (required). An electrical cable/cord is draped along the back porch area which presents an exposed wiring/trip hazard. Porch railings exist but have some weathering and may need tightening or replacement to meet guardrail strength/spacing standards. Kitchen GFCI protection near sink is not visible. Interior shows no obvious major structural failure, active leaks, or severe mold, but absence of visible detectors and the exposed cable reduce the score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Evidence of central HVAC/forced-air (floor vents visible) and ceiling fans; kitchen appliances (electric range and refrigerator) appear present and in place. Roof appears intact from exterior photos with no visible sagging or active leaks. Water heater and electrical panel are not shown; plumbing fixtures appear present and functioning (kitchen sink). Given the manufactured-home age (1984) and lack of photos of the mechanical room/panel/water heater, assign moderate risk pending mechanical inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large .46-acre lot with clear yard, fence present, and level walkways. Front and rear covered porches in place; deck boards look structurally sound in photos though rails show cosmetic weathering. Skirting is present around the manufactured home. No visible standing water, major foundation cracks, or collapsed elements in the site photos. Some trimming/landscaping and minor porch repairs likely needed."
}
],
"red_flags": [
"Exposed/draped electrical cable on rear porch (electrical/trip hazard)",
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE failure if absent)",
"No visible GFCI near kitchen sink (unable to confirm required protection)",
"Manufactured home (1984) — tie-downs, skirting access and structural anchoring not visible and may present hidden risks if not up to current standards",
"Unseen electrical panel/water heater — mechanicals not photographed and should be verified before tenancy"
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational based on visible floor vents and ceiling fans (no HVAC unit photo provided).",
"Kitchen appliances (range and refrigerator) are functional as shown; if non-functional this would lower condition/systems scores.",
"No smoke detectors or CO alarms are present in the unit because none are visible in interior photos; assume none installed or not in compliant locations.",
"Roof has no active leaks because no water stains or ceiling sagging are visible in interior photos.",
"Skirting and pier supports exist (common for manufactured homes) but condition and anchoring/tie-downs are not visible and therefore unverified.",
"Electrical panel, water heater and main plumbing fixtures exist but their condition is unknown due to lack of photos."
],
"overall_score": 67.0,
"rubric_version": "ns_pire_v1.0_2026-03"
},
{
"summary": "This manufactured home presents as cosmetically well-kept and mostly rent-ready with typical minor repairs and maintenance (deck/railing touch-up, cabinet paint chips). Major life-safety items required for NSPIRE compliance — notably smoke/CO detectors and GFCI verification/installation in the kitchen/bath — are not visible and should be confirmed/installed. Major structural or system failures are not apparent in photos, but electrical panel, water heater and HVAC equipment were not shown and should be verified. With targeted life-safety fixes and a brief systems check/repair work, the property is likely to pass an initial Section 8 (HCV) inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 78.0,
"rationale": "Interior and exterior photos show a generally well-maintained manufactured home with updated-looking floors, functioning kitchen appliances (stove, fridge) and intact cabinetry (some cosmetic wear/paint chips). Porches/decks are structurally present and decking boards look sound but need finish/paint and minor railing/tread touch-ups. No collapsed ceilings, major drywall damage or exposed subfloor visible. Overall cosmetic and minor maintenance items dominate rather than major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 62.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the interior photos; GFCI protected receptacles in kitchen are not evident. Porch railings exist but require inspection for spacing/secure attachment. Windows appear intact but bedroom egress cannot be fully confirmed from photos. No visible exposed high-voltage wiring or active water intrusion stains. Given missing/unclear life-safety devices and uncertain egress/GFCI compliance, moderate inspection risk exists."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Photos show floor registers and ceiling fans suggesting central HVAC is present, and a modern range/hood and stainless refrigerator indicate some recent updates. Roof appears intact from exterior photos with no visible sag or major failure. Electrical panel, water heater and exact HVAC equipment are not shown so their condition is unknown. No visible active leaks or plumbing failures in photos. Moderate score due to lack of direct evidence on panels, water heater and system ages."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate hazards",
"score": 75.0,
"rationale": "Siding and skirting appear intact; yard is large, graded and clear of standing water in supplied images. Fencing is present around portions of the lot. Front and rear covered porches provide protected entry/egress. Some weathering on railings, trim and a section of shingle siding near the rear porch indicate routine exterior maintenance is needed but no major envelope failures are visible."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or CO alarms are present or visible in photos; assume none installed or not in required locations and will need verification/installation.",
"GFCI protection for kitchen/bath outlets is not visible; assume GFCI devices may be absent and require upgrade if found missing.",
"Central HVAC is present (floor registers visible) and operational, but specific unit age/condition and service history are unknown.",
"Water heater and electrical main panel are present but not shown; assume functional unless inspection reveals otherwise.",
"Windows are assumed to provide required bedroom egress based on typical manufactured-home layouts, but exact bedroom window sizes/egress must be measured during inspection.",
"Deck and porch railings are intact but may need fastening/paint; no unsafe stairs visible but handrail attachment should be verified.",
"No evidence of active roof leaks, severe mold, collapsed ceilings, standing water, or major foundation movement in the supplied images."
],
"overall_score": 70.0,
"rubric_version": "nsPIRE-analyst-v1"
},
{
"summary": "This 3-bed, 2-bath manufactured home appears largely tenant-ready with mostly cosmetic repairs and routine maintenance required. Key strengths are intact flooring, functioning kitchen appliances shown, solid porches/decks, and no visible major structural or water-intrusion damage. Primary inspection risks are missing/unspecified smoke and CO detectors, verification/clearance for the fireplace/chimney, and confirmation of HVAC and water-heater operational status. With installation of required detectors, a brief handrail repair at the front steps (if required locally), and routine system verifications, the property is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show a generally well-maintained manufactured home: intact flooring, painted cabinets, functioning stove and refrigerator present, and solid-looking porches/deck. Visible cosmetic wear on cabinet faces and trim, some chipping paint, and the front porch/steps show cosmetic aging. No exposed subflooring or collapsed finishes visible. Missing minor items (outlet covers, touch-up paint) are likely cosmetic and easy-to-fix. Overall condition suggests minor repairs only."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms are visible in the interior photos (inspector will require them). Porch and stairs: front entry stairs appear to have minimal/low handrail; inspector may require a secure handrail. Fireplace/chimney visible on roof and an indoor fireplace exists — requires proper flue/clearance verification. GFCI outlets, electrical panel, and carbon monoxide detector locations are not shown; absence in photos increases risk but no active electrical hazard is visible. No signs of active leaks, major mold, standing water, or structural failure were observed."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems",
"score": 70.0,
"rationale": "Major appliances shown (stove, range hood, refrigerator, washer visible through doorway). Floor registers visible indicating a forced-air HVAC distribution; no furnace/heat pump or water heater photos provided. Roof appears intact with no visible sagging or obvious leak stains. Chimney/vent requires assessment. Given age (1984 manufactured) systems may be older but appear maintained; functional status must be confirmed by service records/operational test."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large lot (0.46 acre) with cleared yard and fenced areas; siding and skirting appear intact. Covered front and back porches with decking look structurally sound in photos; railing present on rear porch. Walkways and yard show normal wear but no trip hazards or standing water evident. Some exterior trim and porch paint show wear and could use maintenance."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos — required for NSPIRE/Section 8.",
"Front entry stairs appear to lack a secure handrail or have minimal railing — potential unsafe stairs/handrail issue.",
"Wood-burning fireplace / chimney visible — requires flue, clearance, and safety verification (possible gas/venting issue)."
],
"confidence": 0.7,
"assumptions": [
"Photos represent current condition and are recent; no hidden active leaks or water stains elsewhere not shown.",
"Kitchen appliances visible (stove, refrigerator) will be left in the unit and are operational.",
"HVAC system and water heater exist and are operational (floor registers visible suggest forced air) though equipment was not photographed.",
"Bedrooms have code-compliant egress windows (not shown but assumed typical for a 3-bed layout).",
"Electrical panel and wiring are intact and up to code; no exposed live wiring beyond minor extension cords visible.",
"No pest/infestation issues exist beyond normal yard wildlife; none visible in photos."
],
"overall_score": 72.0,
"rubric_version": "ns-pg-2026-03"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5727 Thompson Rd, Charlotte, NC, 28216",
"aggregate": {
"summary": "This 3-bed, 2-bath manufactured home appears generally well maintained and likely to pass a first Housing Choice Voucher/NSPIRE inspection after a small number of targeted safety and code fixes. Strong points: updated interior finishes, functioning kitchen with appliances, intact siding/skirting, and sound-looking porches. Primary concerns that could cause a conditional or failed inspection: no visible smoke/CO detectors in photos, exposed/draped wiring on the back porch, and unverified GFCI protection at kitchen sink. Mechanical systems (panel, water heater, HVAC) were not photographed and should be verified. Overall the property is rentable with minor-to-moderate prep work (repairs, detector installation, and mechanical verification) likely within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently updated with intact flooring, painted cabinets, functional-looking kitchen and appliances (stove and fridge visible). Exterior siding and skirting are intact. Minor deferred items visible: scratched/peeling paint on some cabinet faces, weathering on porch railings and steps, and general cosmetic wear. Missing or damaged appliance(s) are not evident; therefore only moderate point deductions for cosmetic and finish repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large .46-acre lot with clear yard, fence present, and level walkways. Front and rear covered porches in place; deck boards look structurally sound in photos though rails show cosmetic weathering. Skirting is present around the manufactured home. No visible standing water, major foundation cracks, or collapsed elements in the site photos. Some trimming/landscaping and minor porch repairs likely needed."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 60.7,
"rationale": "Several NSPIRE safety items could not be confirmed in photos and at least one visible safety concern exists. No smoke detectors or CO alarms are visible in interior photos (required). An electrical cable/cord is draped along the back porch area which presents an exposed wiring/trip hazard. Porch railings exist but have some weathering and may need tightening or replacement to meet guardrail strength/spacing standards. Kitchen GFCI protection near sink is not visible. Interior shows no obvious major structural failure, active leaks, or severe mold, but absence of visible detectors and the exposed cable reduce the score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Evidence of central HVAC/forced-air (floor vents visible) and ceiling fans; kitchen appliances (electric range and refrigerator) appear present and in place. Roof appears intact from exterior photos with no visible sagging or active leaks. Water heater and electrical panel are not shown; plumbing fixtures appear present and functioning (kitchen sink). Given the manufactured-home age (1984) and lack of photos of the mechanical room/panel/water heater, assign moderate risk pending mechanical inspection."
}
],
"red_flags": [
"Exposed/draped electrical cable on rear porch (electrical/trip hazard)",
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE failure if absent)",
"No visible GFCI near kitchen sink (unable to confirm required protection)",
"Manufactured home (1984) — tie-downs, skirting access and structural anchoring not visible and may present hidden risks if not up to current standards",
"Unseen electrical panel/water heater — mechanicals not photographed and should be verified before tenancy"
],
"confidence": 0.9,
"assumptions": [
"Central HVAC is present and operational based on visible floor vents and ceiling fans (no HVAC unit photo provided).",
"Kitchen appliances (range and refrigerator) are functional as shown; if non-functional this would lower condition/systems scores.",
"No smoke detectors or CO alarms are present in the unit because none are visible in interior photos; assume none installed or not in compliant locations.",
"Roof has no active leaks because no water stains or ceiling sagging are visible in interior photos.",
"Skirting and pier supports exist (common for manufactured homes) but condition and anchoring/tie-downs are not visible and therefore unverified.",
"Electrical panel, water heater and main plumbing fixtures exist but their condition is unknown due to lack of photos."
],
"score_method": "mean_of_criteria",
"overall_score": 69.9,
"rubric_version": "ns_pire_v1.0_2026-03",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "5632965280"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.