Property ID: 5646909560
3701 Shoup Ct, Charlotte, NC, 28216
Charlotte, NC
Money Down: $68,400
CoC Return: 5.25%
Monthly Cash Flow: $299
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$57,000
Closing Costs
$11,400
Total Down
$68,400
Investment Snapshot
Purchase Price
$285,000
Money Down
$68,400
Cash-on-Cash Return
5.25%
Rent
$2,288
Monthly Cash Flow
$299
Annual Cash Flow
$3,590
Debt Service / Mo
$1,517
Property Tax / Mo
$161
Insurance / Mo
$82
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,288
Payment Standard
$2,735
Rent
$2,288
Insurance
$82
Property Tax
$161
Management
$229
Utilities Allowance
$447
NOI (Monthly)
$1,816
Debt Service
$1,517
Cash Flow After Debt
$299
Quality Score: 77.20%
Confidence: 95.00%
This single‑story 4BR/1.5BA home appears mostly turnkey for Section 8/HCV occupancy after standard verification tasks. Interior renovations (new LVP, fresh paint, updated kitchen and bath, included appliances) and visible HVAC vents and water heater indicate functioning systems. Primary inspection risks to confirm before passing an initial NSPIRE inspection are presence and location of CO detector (if required), GFCI protection in kitchen and bath, the condition/age of the roof (staining) and electrical panel, and verification of operational hot water and HVAC. No immediate life‑threatening hazards are visible in the photos. Expect minor repairs/verification within 1–4 weeks; if mechanical records and required detectors/GFCIs are in place, likely rent‑ready quickly.
Section 8 Payment Standard
$2,735
Utility Allowance Total
$447
Guaranteed Section 8 Rent (PS - Utilities)
$2,288
Property Management
$229
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$285,000
Beds
4
Baths
1.5
Living Area
1,230 sqft
Lot Size
11,761 sqft
Year Built
1971
Days on Market
68
Capital Outlay
$68,400
Debt Service
$1,517
Property Tax / Mo
$161
Insurance / Mo
$82
Property Description
*THIS HOME QUALIFIES FOR 100% FINANCING, $15,000 RATE BUY DOWN, UP TO $5,000 IN CLOSING COSTS & NO PMI!!* Welcome home to 3701 Shoup Ct, a picturesque 4 bed 1.5 bath in a growing area of Charlotte. Walking in, a semi-open space unites the living room, kitchen, & dining areas, providing an optimal place for hosting dinner gatherings, game nights, or just making unforgettable memories with loved ones in a beautiful setting. Airy, open, updated kitchen has been renovated w/ all the bells and whistles, including granite counters, new cabinetry, deep sink, SS appliances (dishwasher, electric range + microwave) & large windows that flood the area with tons of natural light. Each spacious bedroom is flexible in function: imagine a designated office space, exercise area, or private study if you'd like to use beyond a traditional bedroom. Full bath is central to all rooms providing the utmost convenience, & has been refreshed w/ new vanity, LVP, & sleek tile surround for the tub/shower. Expansive backyard is a blank canvas: imagine adding a pool, outdoor furniture, gazebo, gardening, workshop/shed - the possibilities are endless. Fresh neutral interior paint, large windows, new LVP, & contemporary ceiling fans further energize & enliven the home. The only 4 bedroom 1-story home to be listed for sale going one mile out from this address and up to 1600 sq. ft. in the last year, this is an opportunity you DO NOT want to miss!!
Utility Allowances
air_conditioning
$35
Property has 'Central Air' cooling.
cooking
$15
Property includes an 'Electric Range'. The electric option was selected from the schedule.
gas_service_fee
$11
This fee is included because Natural Gas is assumed for heating and water heating.
heating
$89
Property has 'Forced Air' heating. Natural Gas was selected as it is a common fuel for this system and the more expensive plausible option, per the rules.
other_electric
$93
This is a baseline allowance for general tenant electricity usage (lights, outlets), applicable to all households.
range_stove
$0
The allowance is $0 because the property provides the electric range, so the tenant does not bear the cost of the appliance.
refrigerator
$12
The property description does not mention a refrigerator, so it's assumed to be tenant-owned and the allowance is included.
sewer
$102
Property is explicitly listed as being connected to 'Public Sewer'.
water
$44
Property is explicitly listed as having a 'City' water source.
water_heating
$46
Natural Gas was chosen for water heating to be consistent with the heating fuel assumption and as the more expensive option.
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$869
DP3 Annual Estimate$1,092
DP1 Monthly Equivalent$72
DP3 Monthly Equivalent$91
Replacement Value$172,600
Basis1,230 sqft / 1971
Nearby Houses
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616 Milan Rd E
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633 Milan Rd E
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701 Milan Rd E
sold · 0.06 mi
Price: $110,000
3 bd / 2 ba · 1,238 sqft
Latest sale: $110,000
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728 Milan Rd E
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Price: $118,000
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615 Milan Rd E
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3700 Clendon Ct
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4 bd / 2 ba · 1,683 sqft
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715 Milan Rd E
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3 bd / 2 ba · 1,136 sqft
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3437 Braden Dr
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4 bd / 3 ba · 2,020 sqft
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733 Milan Rd E
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3 bd / 1 ba · 1,050 sqft
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3810 Bardot Dr
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Price: $224,900
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3429 Braden Dr
sold · 0.10 mi
Price: $205,000
3 bd / 2 ba · 1,259 sqft
Latest sale: $205,000
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3421 Braden Dr
sold · 0.11 mi
Price: $124,900
3 bd / 2 ba · 1,080 sqft
Latest sale: $124,900
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible carbon monoxide detector in photos — required if any fuel-burning appliances or attached garage.
- No GFCI outlets visibly identified in kitchen or bathroom photos — may fail NSPIRE without proper protection.
- Roof shows notable staining/discoloration; condition/remaining life unknown and should be inspected (potential leak/age risk).
- Large tree close to the house could pose root or roof/leaf debris risk; recommend evaluation.
Assumptions
- Listing text is accurate: stainless-steel dishwasher, electric range and microwave are included and functional.
- Central HVAC is present and functional based on visible supply/return vents; full service history not provided.
- Water heater visible in doorway photo is operational; fuel type (electric vs gas) is not confirmed from photos.
- Photos are a mix of actual photos and virtual staging (watermarks present); staging may hide small defects.
- Electrical panel, service amperage, and GFCI protection locations were not photographed; assume typical mid-century upgrades may or may not be present.
- No evidence of structural sagging, major foundation movement, collapsed ceilings, or severe mold in provided images; assume none are present unless discovered on-site.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,881 | $222,600 | $222,600 |
| 2024 | $1,839 | $222,600 | $222,600 |
| 2023 | $1,771 | $222,600 | $222,600 |
| 2021 | $1,529 | $146,600 | $146,600 |
| 2020 | $1,538 | $148,300 | $148,300 |
| 2019 | $1,522 | $148,300 | $148,300 |
| 2018 | $843 | $58,700 | $58,700 |
| 2017 | $822 | $58,700 | $58,700 |
| 2016 | $813 | $58,700 | $58,700 |
| 2015 | $801 | $58,700 | $58,700 |
| 2014 | $815 | $58,700 | $58,700 |
| 2013 | $815 | $58,700 | $58,700 |
| 2012 | $714 | $53,300 | $53,300 |
| 2011 | $728 | $53,300 | $53,300 |
| 2010 | $1,018 | $73,900 | $73,900 |
| 2009 | $1,018 | $73,900 | $73,900 |
| 2008 | $1,018 | $73,900 | $73,900 |
| 2007 | $1,015 | $73,900 | $73,900 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-01-24 | Sold | $135,000 |
| 2018-12-28 | Sold | $75,500 |
Photo Gallery
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"note": "Property is explicitly listed as having a 'City' water source.",
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"allowance": 44
},
{
"note": "Natural Gas was chosen for water heating to be consistent with the heating fuel assumption and as the more expensive option.",
"utility": "water_heating",
"allowance": 46
}
],
"cash_on_cash_return": 0.38,
"down_payment_amount": 57000.0,
"property_tax_annual": 1937.43,
"property_tax_monthly": 161.45,
"property_tax_increase": 0.03,
"utility_allowance_total": 447.0,
"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": 3589.79,
"property_management_monthly": 228.8,
"monthly_cash_flow_after_debt": 299.15,
"cash_on_cash_return_after_debt": 0.06
},
"section8_assessment": {
"runs": [
{
"summary": "This single‑story 4BR/1.5BA home appears mostly turnkey for Section 8/HCV occupancy after standard verification tasks. Interior renovations (new LVP, fresh paint, updated kitchen and bath, included appliances) and visible HVAC vents and water heater indicate functioning systems. Primary inspection risks to confirm before passing an initial NSPIRE inspection are presence and location of CO detector (if required), GFCI protection in kitchen and bath, the condition/age of the roof (staining) and electrical panel, and verification of operational hot water and HVAC. No immediate life‑threatening hazards are visible in the photos. Expect minor repairs/verification within 1–4 weeks; if mechanical records and required detectors/GFCIs are in place, likely rent‑ready quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 84.0,
"rationale": "Interior photos and listing text indicate a recent cosmetic renovation: new LVP flooring, fresh paint, updated kitchen cabinets/counters, new vanity and fixtures, and included stainless-steel appliances (dishwasher, electric range, microwave). No visible major interior damage, peeling paint, or exposed subfloors. Exterior painted brick looks intact. Minor visible issues: roof shows dark staining/discoloration (could be algae, age, or recent snow melt) and front landscaping is basic. Missing/uncertain items: no photos of laundry hookups or full utility closet; staging may hide small defects. Overall condition appears mostly turnkey with only minor repairs or verification work needed."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 75.0,
"rationale": "Positive indicators: visible ceiling smoke detector in hallway, functional doors/windows, bedrooms have large egress windows, no exposed wiring visible, no obvious water intrusion or mold in photos, handrails/stairs are not applicable (single story). Uncertainties/risks: no carbon monoxide detector visible (required if fuel-burning appliances or attached garage), GFCI protection in kitchen/bath not visible in photos, electrical panel not shown, deadbolt on entry appears likely but not clearly shown, plumbing fixtures look operational but hot water supply not confirmed. These unknowns reduce safety confidence; none of the photos show life-threatening hazards."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 78.0,
"rationale": "Evidence of central HVAC: ceiling/return vents visible in living and bedroom photos. Water heater is visible in the utility area off the kitchen (appears present), and kitchen appliances appear new (electric range shown). Roof is intact in photos but has notable staining/discoloration which could indicate age/algae or previous moisture exposure; no missing/collapsed roof sections or sagging observed. Electrical panel and ages of major equipment are not shown; mechanical condition is likely functional but requires standard verification (service records or tech inspection)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior brick façade and porch appear in generally good condition; driveway and walkways visible and serviceable. Large tree at front yard close to the house could present root/leaf/debris risk and should be checked for overhang into roof. Gutters/downspouts appear present on the right side. Yard and drainage grading are not fully documented; no standing water visible in photos. Roof staining is the main exterior concern and should be evaluated for remaining service life."
}
],
"red_flags": [
"No visible carbon monoxide detector in photos — required if any fuel-burning appliances or attached garage.",
"No GFCI outlets visibly identified in kitchen or bathroom photos — may fail NSPIRE without proper protection.",
"Roof shows notable staining/discoloration; condition/remaining life unknown and should be inspected (potential leak/age risk).",
"Large tree close to the house could pose root or roof/leaf debris risk; recommend evaluation."
],
"confidence": 0.7,
"assumptions": [
"Listing text is accurate: stainless-steel dishwasher, electric range and microwave are included and functional.",
"Central HVAC is present and functional based on visible supply/return vents; full service history not provided.",
"Water heater visible in doorway photo is operational; fuel type (electric vs gas) is not confirmed from photos.",
"Photos are a mix of actual photos and virtual staging (watermarks present); staging may hide small defects.",
"Electrical panel, service amperage, and GFCI protection locations were not photographed; assume typical mid-century upgrades may or may not be present.",
"No evidence of structural sagging, major foundation movement, collapsed ceilings, or severe mold in provided images; assume none are present unless discovered on-site."
],
"overall_score": 78.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This single-story 4-bed/1.5-bath home appears largely turnkey for Section 8 / HCV tenancy. Interior renovations (flooring, paint, kitchen, baths, fixtures) and presence of major appliances (range, microwave, dishwasher) support a relatively high pass likelihood. Key safety/system verifications required before inspection: confirm presence/function of GFCI outlets in kitchen/bath, functioning smoke (and CO if applicable) detectors, confirm HVAC operation and condition of the electrical panel, and verify roof condition/age (staining suggests aging but no interior leaks visible). Most issues are minor or capital-only and should be repairable quickly; estimated time to pass an initial HCV/NSPIRE inspection is under 30 days assuming verification/repair of the moderate unknowns.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Photos and listing show a recent interior renovation: new LVP flooring, fresh paint, updated kitchen cabinets and counters, new or updated bathroom vanity and fixtures, ceiling fans and light fixtures. Stainless appliances (dishwasher, electric range, microwave) are indicated in the listing and visible; a refrigerator is not clearly shown in photos so may be missing (missing fridge reduces readiness moderately). No visible interior damage, peeling paint, or exposed subflooring. Overall turnkey interior with only minor cosmetic/touch-up items and possibly one missing appliance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "A smoke detector is visible in the hallway (positive). Bedrooms appear to have egress windows. No exposed wiring or obvious electrical hazards visible; outlet and switch covers in place. Entry door appears solid and likely has a deadbolt (photo suggests standard hardware). No visible mold, active water stains, collapsed ceilings, or major trip hazards. Uncertainties: GFCI protection at kitchen and bathroom outlets is not clearly shown (NSPIRE requires GFCI in kitchens/baths), and no carbon monoxide alarm is visible (not mandatory for electric-only appliances but required if gas present). Electrical panel location and condition not visible. These unknowns create moderate inspection risk but are generally easy-to-fix."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 78.0,
"rationale": "Photos show ceiling supply registers indicating central HVAC (assumed present and in working order). A water heater-like unit is visible in a service area behind the kitchen, suggesting hot water system is installed. Kitchen appliances include an electric range (reduces CO/gas vent risk). Interior ceilings show no signs of leaks. The roof in exterior photo shows dark staining/ageing which could indicate older shingles or algae but no visible sagging or obvious failure; exterior evidence suggests the roof may be aging but not actively leaking. Electrical panel and system age are unknown. Overall systems appear present and in serviceable condition but several key items (roof age, panel, HVAC serviceability) require verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brick facade is painted and appears intact; windows look replaced or in good condition. Yard is expansive and flat with a paved driveway; no collapsed walkways or unsafe site features visible. Some wear on roof surface is noticeable (staining/age) but no obvious structural issues. Downspouts/gutter details and drainage slope away from foundation cannot be fully confirmed from images. No visible infestation or severe neglect."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing is accurate: kitchen appliances include dishwasher, electric range, and microwave as stated.",
"Central HVAC is present and operable (ceiling registers visible); no evidence of lack of heating/cooling.",
"Water heater is installed and functional (unit visible in service area behind kitchen in photos).",
"No active roof leaks (interior ceilings show no staining), but roof shingles show surface ageing/staining.",
"Entry door has standard locking hardware; a deadbolt is likely present though not fully clearly visible.",
"Electrical panel exists and is intact (not visible in photos); no exposed wiring observed inside.",
"GFCI outlets and carbon monoxide alarms were not visible in photos and may be absent — these are assumed unknown and may require installation.",
"Bedrooms have adequate egress windows based on visible window sizes in photos.",
"No history of rental activity in last 5 years (rental_history_last_5y.record missing) — so rental history not factored."
],
"overall_score": 77.0,
"rubric_version": "ns_2026_v1"
},
{
"summary": "This single-story 4-bed ranch appears largely turnkey for Section 8 tenancy after a standard pre-inspection check. Interior renovations are recent and high-quality (new flooring, painted surfaces, modern kitchen and bath), outlets and fixtures are in place, and HVAC vents are visible. Primary inspection/compliance uncertainties are absence of a visible carbon monoxide alarm (important if gas appliances present), unclear GFCI protection at kitchen/bath outlets, electrical panel not shown, and visible roof staining that suggests the roof should be evaluated. These items are moderate risks but fixable; with minor corrections (install/verify CO detector, confirm/install GFCI, provide electrical panel access, and address/inspect roof) the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. ",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show a recent cosmetic renovation: fresh paint, new LVP flooring, updated kitchen cabinets and counters, modern light fixtures and ceiling fans, and a refreshed bath. Listing states stainless dishwasher, electric range and microwave are present. No visible peeling paint, collapsed surfaces, or major cosmetic defects. Minor unknowns: refrigerator not pictured (may be missing) and front roof shows staining/age. Overall condition appears move-in ready with only minor, easy-to-fix items if any (appliance replacement if fridge absent, routine exterior roof maintenance)."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 75.0,
"rationale": "Positive indicators: at least one smoke detector is visible in the hallway, receptacle covers are present, windows appear intact (likely egress-capable for bedrooms), no exposed wiring or obvious trip hazards in photos, plumbing fixtures and hot water access appear present. Uncertainties/risks: no carbon monoxide detector is visible (property likely has a gas range), GFCI protection for kitchen and bath outlets is not clearly shown, electrical panel not pictured. No visible mold, active leaks, collapsed ceilings, or structural sagging. These missing/uncertain items create moderate NSPIRE risk but are fixable prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Visual evidence of central HVAC supply/return vents in multiple rooms suggests a functioning forced-air system; vents and registers look intact. Kitchen shows modern range and microwave; a tall appliance visible in kitchen doorway could be the water heater (appears newer), but the electrical panel, furnace/air handler and age/operation of systems are not shown. Roof shows staining/algae and may be aged—no obvious active leaks visible inside but exterior roof condition is a concern. Given renovated interior and visible vents, systems likely operational but unverified; risk is moderate because some system components aren't photographed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior shows painted brick in generally good repair, intact windows and porch columns, and a level yard/walkway. Driveway shows typical wear but is functional. Roof surface exhibits staining/discoloration (possible algae, age or wear) though no sagging or open areas are visible. Yard appears free of standing water or debris. Overall exterior is serviceable but roof condition and long-term drainage were not fully documented."
}
],
"red_flags": [
"No visible carbon monoxide (CO) detector in photos — required if fuel-burning appliances or attached garage present.",
"GFCI protection not clearly shown at kitchen/bath outlets — could fail NSPIRE check if absent.",
"Roof surface shows staining/age in exterior photo; roof condition should be evaluated for life expectancy/leaks.",
"Electrical panel and service condition are not documented in photos (inspector will require safe, accessible panel)."
],
"confidence": 0.7,
"assumptions": [
"Interior photos are representative of the whole home (no hidden severe damage elsewhere).",
"The stove pictured is operational; listing indicates dishwasher, electric range and microwave are included. A refrigerator may not be provided.",
"Central HVAC is present and functional based on visible supply and return vents; furnace/air handler is located but not photographed.",
"Water heater is present and likely the tall unit partially visible in the kitchen doorway; hot water is assumed available.",
"Bedroom windows meet egress size requirements based on appearance of standard double-hung windows.",
"No active roof leaks are occurring inside (no interior stains visible) but roof exterior shows aging/staining that requires inspection.",
"Smoke detection exists (one detector visible) but carbon monoxide detector and GFCI outlets are not visible and should be confirmed."
],
"overall_score": 76.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3701 Shoup Ct, Charlotte, NC, 28216",
"aggregate": {
"summary": "This single‑story 4BR/1.5BA home appears mostly turnkey for Section 8/HCV occupancy after standard verification tasks. Interior renovations (new LVP, fresh paint, updated kitchen and bath, included appliances) and visible HVAC vents and water heater indicate functioning systems. Primary inspection risks to confirm before passing an initial NSPIRE inspection are presence and location of CO detector (if required), GFCI protection in kitchen and bath, the condition/age of the roof (staining) and electrical panel, and verification of operational hot water and HVAC. No immediate life‑threatening hazards are visible in the photos. Expect minor repairs/verification within 1–4 weeks; if mechanical records and required detectors/GFCIs are in place, likely rent‑ready quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 83.0,
"rationale": "Interior photos and listing text indicate a recent cosmetic renovation: new LVP flooring, fresh paint, updated kitchen cabinets/counters, new vanity and fixtures, and included stainless-steel appliances (dishwasher, electric range, microwave). No visible major interior damage, peeling paint, or exposed subfloors. Exterior painted brick looks intact. Minor visible issues: roof shows dark staining/discoloration (could be algae, age, or recent snow melt) and front landscaping is basic. Missing/uncertain items: no photos of laundry hookups or full utility closet; staging may hide small defects. Overall condition appears mostly turnkey with only minor repairs or verification work needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 71.7,
"rationale": "Exterior brick façade and porch appear in generally good condition; driveway and walkways visible and serviceable. Large tree at front yard close to the house could present root/leaf/debris risk and should be checked for overhang into roof. Gutters/downspouts appear present on the right side. Yard and drainage grading are not fully documented; no standing water visible in photos. Roof staining is the main exterior concern and should be evaluated for remaining service life."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 75.0,
"rationale": "Positive indicators: visible ceiling smoke detector in hallway, functional doors/windows, bedrooms have large egress windows, no exposed wiring visible, no obvious water intrusion or mold in photos, handrails/stairs are not applicable (single story). Uncertainties/risks: no carbon monoxide detector visible (required if fuel-burning appliances or attached garage), GFCI protection in kitchen/bath not visible in photos, electrical panel not shown, deadbolt on entry appears likely but not clearly shown, plumbing fixtures look operational but hot water supply not confirmed. These unknowns reduce safety confidence; none of the photos show life-threatening hazards."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 75.3,
"rationale": "Evidence of central HVAC: ceiling/return vents visible in living and bedroom photos. Water heater is visible in the utility area off the kitchen (appears present), and kitchen appliances appear new (electric range shown). Roof is intact in photos but has notable staining/discoloration which could indicate age/algae or previous moisture exposure; no missing/collapsed roof sections or sagging observed. Electrical panel and ages of major equipment are not shown; mechanical condition is likely functional but requires standard verification (service records or tech inspection)."
}
],
"red_flags": [
"No visible carbon monoxide detector in photos — required if any fuel-burning appliances or attached garage.",
"No GFCI outlets visibly identified in kitchen or bathroom photos — may fail NSPIRE without proper protection.",
"Roof shows notable staining/discoloration; condition/remaining life unknown and should be inspected (potential leak/age risk).",
"Large tree close to the house could pose root or roof/leaf debris risk; recommend evaluation."
],
"confidence": 0.95,
"assumptions": [
"Listing text is accurate: stainless-steel dishwasher, electric range and microwave are included and functional.",
"Central HVAC is present and functional based on visible supply/return vents; full service history not provided.",
"Water heater visible in doorway photo is operational; fuel type (electric vs gas) is not confirmed from photos.",
"Photos are a mix of actual photos and virtual staging (watermarks present); staging may hide small defects.",
"Electrical panel, service amperage, and GFCI protection locations were not photographed; assume typical mid-century upgrades may or may not be present.",
"No evidence of structural sagging, major foundation movement, collapsed ceilings, or severe mold in provided images; assume none are present unless discovered on-site."
],
"score_method": "mean_of_criteria",
"overall_score": 77.2,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "5646909560"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.