Property ID: 6017764568
525 NW 16th St, Pompano Beach, FL, 33060
Pompano Beach, FL
Money Down: $64,776
CoC Return: 3.83%
Monthly Cash Flow: $207
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$53,980
Closing Costs
$10,796
Total Down
$64,776
Investment Snapshot
Purchase Price
$269,900
Money Down
$64,776
Cash-on-Cash Return
3.83%
Rent
$2,387
Monthly Cash Flow
$207
Annual Cash Flow
$2,482
Debt Service / Mo
$1,437
Property Tax / Mo
$432
Insurance / Mo
$73
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,387
Payment Standard
$2,580
Rent
$2,387
Insurance
$73
Property Tax
$432
Management
$239
Utilities Allowance
$193
NOI (Monthly)
$1,643
Debt Service
$1,437
Cash Flow After Debt
$207
Quality Score: 46.00%
Confidence: 95.00%
Moderate condition property with multiple cosmetic and safety deficiencies. The house likely requires 30–60 days of repairs to pass an initial NSPIRE/HCV inspection. Primary inspection risks are window security bars (possible egress failure), absence/unknown status of smoke/CO detectors, water-stained ceiling tiles indicating leaks/mold risk, and exposed/loose wiring. Cosmetic repairs (paint, ceiling tiles, flooring cleaning/replacement, cabinet repairs) plus targeted safety/codes work (egress hardware or removal of bars, installed detectors, electrical corrections) are needed before listing as Section 8-ready.
Section 8 Payment Standard
$2,580
Utility Allowance Total
$193
Guaranteed Section 8 Rent (PS - Utilities)
$2,387
Property Management
$239
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$269,900
Beds
2
Baths
1
Living Area
936 sqft
Lot Size
5,754 sqft
Year Built
1961
Days on Market
340
Capital Outlay
$64,776
Debt Service
$1,437
Property Tax / Mo
$432
Insurance / Mo
$73
Property Description
This is a 2 bedroom 1 bathroom house with a large Den/Office room that can be converted into a 3rd bedroom.
Utility Allowances
Air Conditioning
$25
Selected based on the 2BR allowance for a property with 'WallWindowUnits' cooling.
Cooking
$11
Electric option selected as the property listing includes an 'ElectricRange'. Value is for a 2BR unit.
Heating
$4
Electric option chosen for a 2BR unit, as the property has 'WallWindowUnits' which typically provide electric heat, and no other heating source is mentioned.
Water Heating
$22
Electric option selected for a 2BR unit, assuming consistency with other electric appliances as no specific water heater fuel was listed.
Other Electric
$32
This is the standard allowance for a 2BR unit, covering tenant's lights and miscellaneous plug-in appliances.
Water
$32
Selected based on the 2BR allowance, as the property lists 'Water Source: Public'.
Sewer
$38
Selected based on the 2BR allowance, as the property lists 'Sewer: PublicSewer'.
Trash Collection
$25
Standard allowance for a 2BR single-family home.
Refrigerator
$0
Allowance is $0 as the property listing explicitly includes a 'Refrigerator' as a provided appliance.
Range / Microwave
$4
Allowance included for a 2BR unit as a microwave was not mentioned as a landlord-provided appliance and is assumed to be tenant-owned.
Natural Gas Base Charge
$0
No allowance is provided as there is no indication of natural gas service or appliances at the property.
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$875
DP3 Annual Estimate$875
DP1 Monthly Equivalent$73
DP3 Monthly Equivalent$73
Replacement Value$48,940
Basis936 sqft / 1961
Nearby Houses
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1582 NW 5th Ave
for_sale · 0.05 mi
Price: $340,000
3 bd / 1 ba · 950 sqft
Latest sale: $175,000
Latest rent: —
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1589 NW 6th Ave
for_sale · 0.05 mi
Price: $285,000
3 bd / 1 ba · 950 sqft
Latest sale: —
Latest rent: —
Photo unavailable
621 NW 16th St
sold · 0.05 mi
Price: $285,000
3 bd / 2 ba · 1,758 sqft
Latest sale: $285,000
Latest rent: —
Photo unavailable
401 NW 16th St
sold · 0.06 mi
Price: $175,000
3 bd / 2 ba · 971 sqft
Latest sale: $175,000
Latest rent: —
Photo unavailable
1589 NW 4th Ave
for_sale · 0.06 mi
Price: $250,000
3 bd / 2 ba · 1,373 sqft
Latest sale: —
Latest rent: —
Photo unavailable
381 NW 16th St
sold · 0.07 mi
Price: $280,000
3 bd / 1 ba · 950 sqft
Latest sale: $280,000
Latest rent: —
Photo unavailable
1577 NW 6th Ave
sold · 0.07 mi
Price: $420,000
5 bd / 2 ba · 1,586 sqft
Latest sale: $420,000
Latest rent: —
Photo unavailable
640 NW 16th St
for_sale · 0.07 mi
Price: $425,000
3 bd / 2 ba · 1,296 sqft
Latest sale: $375,000 on Apr 10, 2023
Latest rent: $3,200 on May 22, 2023
Photo unavailable
1571 NW 6th Ave
sold · 0.08 mi
Price: $460,000
3 bd / 2 ba · 1,545 sqft
Latest sale: $460,000
Latest rent: —
Photo unavailable
1582 NW 4th Ave
sold · 0.09 mi
Price: $220,000
3 bd / 2 ba · 1,310 sqft
Latest sale: $220,000
Latest rent: —
Photo unavailable
681 NW 16th St
sold · 0.09 mi
Price: $235,500
3 bd / 1 ba · 889 sqft
Latest sale: $235,500 on Feb 01, 2021
Latest rent: —
Photo unavailable
1565 NW 6th Ave
sold · 0.09 mi
Price: $239,000
3 bd / 2 ba · 1,339 sqft
Latest sale: $239,000
Latest rent: —
Photo unavailable
401 NW 16th Pl
sold · 0.09 mi
Price: $280,000
3 bd / 2 ba · 1,512 sqft
Latest sale: $280,000
Latest rent: —
Photo unavailable
1558 NW 6th Ave
sold · 0.10 mi
Price: $83,500
3 bd / 2 ba · 1,190 sqft
Latest sale: $83,500
Latest rent: —
Photo unavailable
396 NW 16th Ct
sold · 0.11 mi
Price: $340,000
3 bd / 2 ba · 1,383 sqft
Latest sale: $340,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Window security bars without visible quick-release (potential bedroom egress failure)
- No visible smoke detectors / CO alarms
- Stained/damaged ceiling/drop tiles indicating water intrusion and potential mold
- Exposed/loose wiring and unsecured external wiring (safety/electrical hazard)
- Peeling/soiled exterior paint on pre-1978 building (possible lead-paint risk)
Assumptions
- No smoke detectors or CO alarms are present unless hidden; none are visible in photos.
- Window security bars do not have quick-release mechanisms (no hardware visible) and thus likely fail egress; landlord would need to install quick-release or remove bars.
- Electrical panel is present and intact but was not photographed; condition unknown — exposed wiring observed suggests at least localized unsafe wiring that requires repair.
- Water heater exists but was not photographed; hot water supply and plumbing integrity are assumed unverified and should be tested.
- Roof is intact structurally (no visible sagging in photos) but staining on ceiling tiles and eaves indicates prior or intermittent leaks needing repair.
- No interior mechanical (central HVAC) seen; heating/cooling rely on wall/window units shown.
- Because the house was built in 1961, lead-based paint is possible where paint is peeling; lead risk evaluation is recommended.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $5,033 | $229,140 | $229,140 |
| 2024 | $4,685 | $229,140 | $229,140 |
| 2023 | $4,462 | $198,030 | $198,030 |
| 2022 | $4,065 | $184,860 | $184,860 |
| 2021 | $482 | $142,170 | $38,170 |
| 2020 | $467 | $124,000 | $37,650 |
| 2019 | $316 | $125,140 | $36,810 |
| 2018 | $298 | $83,810 | $36,130 |
| 2017 | $248 | $73,580 | $35,390 |
| 2016 | $217 | $66,840 | $34,670 |
| 2015 | $219 | $71,940 | $34,430 |
| 2014 | $220 | $41,020 | $34,160 |
| 2013 | $216 | $34,840 | $33,660 |
| 2012 | $200 | $33,100 | $33,100 |
| 2011 | $231 | $50,110 | $37,290 |
| 2010 | $230 | $58,920 | $36,740 |
| 2008 | $179 | $117,920 | $35,780 |
| 2007 | $169 | $142,860 | $34,710 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-07-11 | Listed | $269,900 |
Photo Gallery
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"Annual Tax Amount: 4686",
"Source Listing Status: Active",
"County: Broward",
"Directions: On Highway 95, Take exit 38A Copan's Road, Head East to NW 3rd Ave, and take a right turn, and at NW 3rd terrace take a right, go down the street and on the right is the property.",
"Tax Year: 2024",
"Restrictions: NoLease1stYearOwned",
"Source Property Type: Residential",
"Area: 3423",
"MLS Area Minor: N Broward Dixie Hwy To Turnpike (3411-3432;3531)",
"Source Neighborhood: SANDERS PARK",
"Parcel Number: 484226040960",
"Postal City: Pompano Beach",
"Postal Code Plus 4: 5453",
"Public Survey Range: 48",
"Public Survey Section: 26",
"Subdivision: SANDERS PARK",
"Zoning Description: RS-4",
"Property Subtype: SingleFamilyResidence"
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"Year Built: 1961",
"Building Area Total: 992",
"Construction Materials: Block",
"Direction Faces: South",
"Property Age: 65",
"Roof: Composition",
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"Year Built Details: Effective Year Built",
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"category": "Building and Construction",
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"line": "525 NW 16th St",
"unit": null,
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"coordinate": {
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"property_id": "6017764568",
"generated_at": "2026-03-27T20:06:04.186162Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 46.0
},
"utility_allowance": {
"zip_code": "33060",
"home_photo": "https://ap.rdcpix.com/1e547ff4e8ca21eff0fb657b16cbe668l-m3888733466s-w1280.jpg",
"rent_price": 2387.0,
"loan_amount": 215920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/525-NW-16th-St_Pompano-Beach_FL_33060_M60177-64568",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 269900.0,
"loan_term_years": 30,
"annual_cash_flow": 19720.61,
"mortgage_monthly": 1436.52,
"payment_standard": 2580.0,
"total_amount_out": 53980.0,
"additional_photos": [
"https://ap.rdcpix.com/1e547ff4e8ca21eff0fb657b16cbe668l-m3170853656s-w1280.jpg",
"https://ap.rdcpix.com/1e547ff4e8ca21eff0fb657b16cbe668l-m2690029628s-w1280.jpg",
"https://ap.rdcpix.com/1e547ff4e8ca21eff0fb657b16cbe668l-m117322135s-w1280.jpg",
"https://ap.rdcpix.com/1e547ff4e8ca21eff0fb657b16cbe668l-m4126795936s-w1280.jpg",
"https://ap.rdcpix.com/1e547ff4e8ca21eff0fb657b16cbe668l-m1457841730s-w1280.jpg",
"https://ap.rdcpix.com/1e547ff4e8ca21eff0fb657b16cbe668l-m1856256029s-w1280.jpg",
"https://ap.rdcpix.com/1e547ff4e8ca21eff0fb657b16cbe668l-m1071785170s-w1280.jpg",
"https://ap.rdcpix.com/1e547ff4e8ca21eff0fb657b16cbe668l-m3306718556s-w1280.jpg",
"https://ap.rdcpix.com/1e547ff4e8ca21eff0fb657b16cbe668l-m3535773799s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 72.92,
"monthly_cash_flow": 1643.38,
"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 2BR allowance for a property with 'WallWindowUnits' cooling.",
"utility": "Air Conditioning",
"allowance": 25
},
{
"note": "Electric option selected as the property listing includes an 'ElectricRange'. Value is for a 2BR unit.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Electric option chosen for a 2BR unit, as the property has 'WallWindowUnits' which typically provide electric heat, and no other heating source is mentioned.",
"utility": "Heating",
"allowance": 4
},
{
"note": "Electric option selected for a 2BR unit, assuming consistency with other electric appliances as no specific water heater fuel was listed.",
"utility": "Water Heating",
"allowance": 22
},
{
"note": "This is the standard allowance for a 2BR unit, covering tenant's lights and miscellaneous plug-in appliances.",
"utility": "Other Electric",
"allowance": 32
},
{
"note": "Selected based on the 2BR allowance, as the property lists 'Water Source: Public'.",
"utility": "Water",
"allowance": 32
},
{
"note": "Selected based on the 2BR allowance, as the property lists 'Sewer: PublicSewer'.",
"utility": "Sewer",
"allowance": 38
},
{
"note": "Standard allowance for a 2BR single-family home.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Allowance is $0 as the property listing explicitly includes a 'Refrigerator' as a provided appliance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Allowance included for a 2BR unit as a microwave was not mentioned as a landlord-provided appliance and is assumed to be tenant-owned.",
"utility": "Range / Microwave",
"allowance": 4
},
{
"note": "No allowance is provided as there is no indication of natural gas service or appliances at the property.",
"utility": "Natural Gas Base Charge",
"allowance": 0
}
],
"cash_on_cash_return": 0.37,
"down_payment_amount": 53980.0,
"property_tax_annual": 5183.99,
"property_tax_monthly": 432.0,
"property_tax_increase": 0.03,
"utility_allowance_total": 193.0,
"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": 2482.36,
"property_management_monthly": 238.7,
"monthly_cash_flow_after_debt": 206.86,
"cash_on_cash_return_after_debt": 0.05
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate condition property with multiple cosmetic and safety deficiencies. The house likely requires 30–60 days of repairs to pass an initial NSPIRE/HCV inspection. Primary inspection risks are window security bars (possible egress failure), absence/unknown status of smoke/CO detectors, water-stained ceiling tiles indicating leaks/mold risk, and exposed/loose wiring. Cosmetic repairs (paint, ceiling tiles, flooring cleaning/replacement, cabinet repairs) plus targeted safety/codes work (egress hardware or removal of bars, installed detectors, electrical corrections) are needed before listing as Section 8-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 55.0,
"rationale": "Interior and exterior show moderate deferred maintenance but no obvious structural collapse. Visible issues: stained and discolored tile floors, heavy staining on some ceiling/drop-ceiling tiles, peeling/dirty paint, missing/warped closet bottom track, worn cabinet faces, damaged awnings, rust/mildew staining at exterior base of walls. Kitchen appliances (stove and refrigerator) are present which reduces penalty for missing appliances. Repairs likely include new paint, ceiling tile replacement, floor cleaning/replace sections, cabinet/door repairs and general cosmetic remediation."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 35.0,
"rationale": "Multiple potential safety/code issues visible. Security bars on all windows appear permanent (no visible quick-release) which likely fail bedroom egress requirements unless quick-release hardware is present. No smoke detectors or CO alarms are visible in photos. Stained drop-ceiling tiles indicate past or ongoing roof/water intrusion and potential mold risk. Exposed wiring/conduit and loose external wiring (rear satellite/cable) are visible. Some fixtures (hanging lamp chains) hang low. These conditions create likely NSPIRE failures until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (MEP) Condition",
"score": 45.0,
"rationale": "Major systems are partially visible: cooling appears to rely on window/room A/C units and a wall heater is installed (no central HVAC shown). Kitchen appliances present but condition unknown. No water heater, HVAC central unit, or electrical panel was photographed. Ceiling tile staining and discoloration indicate past roof/water events that may have impacted mechanicals. Electrical connections and exterior wiring appear unsecure. Plumbing fixtures (toilet, sink, tub) are present but hot water availability not documented. Overall systems need inspection, possible repairs and testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 50.0,
"rationale": "Exterior shows peeling/soiled paint at base of exterior walls, algae/mildew staining, damaged awnings and patchy lawn. Walkway to front door is present but yard has uneven patches. No evident large foundation cracks or roof collapse from exterior photos, but staining under eaves and around windows suggests moisture intrusion and gutter/drainage attention. Chain-link fence present; no obvious major trip hazards visible from photos."
}
],
"red_flags": [
"Window security bars without visible quick-release (potential bedroom egress failure)",
"No visible smoke detectors / CO alarms",
"Stained/damaged ceiling/drop tiles indicating water intrusion and potential mold",
"Exposed/loose wiring and unsecured external wiring (safety/electrical hazard)",
"Peeling/soiled exterior paint on pre-1978 building (possible lead-paint risk)"
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or CO alarms are present unless hidden; none are visible in photos.",
"Window security bars do not have quick-release mechanisms (no hardware visible) and thus likely fail egress; landlord would need to install quick-release or remove bars.",
"Electrical panel is present and intact but was not photographed; condition unknown — exposed wiring observed suggests at least localized unsafe wiring that requires repair.",
"Water heater exists but was not photographed; hot water supply and plumbing integrity are assumed unverified and should be tested.",
"Roof is intact structurally (no visible sagging in photos) but staining on ceiling tiles and eaves indicates prior or intermittent leaks needing repair.",
"No interior mechanical (central HVAC) seen; heating/cooling rely on wall/window units shown.",
"Because the house was built in 1961, lead-based paint is possible where paint is peeling; lead risk evaluation is recommended."
],
"overall_score": 47.0,
"rubric_version": "ns-pom-2026-1"
},
{
"summary": "This single-family property shows moderate deferred maintenance and several inspection-risk items. Visible issues include stained/sagging ceiling tiles indicating likely roof/water intrusion, window security bars that likely restrict emergency egress, exposed wiring and missing outlet covers, heavily stained/soiled flooring, and exterior moisture staining at the foundation. Appliances are present and the layout is intact, but systems (roof, electrical, HVAC, water heater) need verification/repair. As-is the home would likely fail or receive a conditional fail on an initial HCV/NSPIRE inspection until egress, electrical, and water intrusion issues are resolved. Expect 30–60 days of repairs to reach passable condition for voucher tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 55.0,
"rationale": "Interior and exterior show moderate deferred maintenance but mostly cosmetic/repair-level issues. Visible problems: stained/torn floor coverings, missing/peeled base trim, dirty/stained tiles, damaged ceiling tiles in kitchen, hanging/broken light fixture, worn cabinet faces and trim. Appliances (range and refrigerator) are present which reduces penalty for missing appliances. Work required: deep cleaning, flooring replacement or repair in multiple rooms, replace stained ceiling tiles/repair ceiling drywall, paint, minor carpentry and cosmetic repairs. These are repair/capital items rather than immediate structural failures."
},
{
"key": "safety_code",
"label": "NSPIRE safety & code risk",
"score": 35.0,
"rationale": "Several inspection-risk issues visible. Multiple windows have security bars (visible on bedroom and living area windows) which may block emergency egress unless they have quick-release from the inside — photos suggest fixed bars. Ceiling tile staining and discolored areas (kitchen, living rooms) suggest prior or active roof/water intrusion and possible mold risk. Exposed surface wiring and at least one outlet/cover missing visible in photos. No smoke detectors or CO alarms are visible in photos. Hanging light fixture/chain and sagging ceiling panels present trip/fall/electrical hazards. Bathroom and kitchen GFCI protection not visible. These are items that commonly cause a fail or conditional fail on an initial HCV/NSPIRE inspection until resolved or verified safe."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof/HVAC/plumbing/electrical)",
"score": 40.0,
"rationale": "Major systems not fully documented in photos. Roof condition is uncertain but interior ceiling stains and exterior base staining imply possible roof or flashing leaks and/or poor drainage. No central HVAC visible; window AC units and a wall heater unit are present (older style) — operability unknown and may need service or replacement. Kitchen plumbing fixtures and a water supply appear present; water heater not shown. Electrical panel not pictured; visible surface wiring and missing outlet covers indicate at least partial electrical deficiencies. Given these unknowns plus signs of water intrusion, systems risk is moderate-to-high until inspection/testing of HVAC, roof, water heater and electrical panel is completed."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 45.0,
"rationale": "Exterior shows peeling/dirty stucco at foundation line, likely moisture wicking/staining. Low-pitched roof/parapet visible; roof edge and fascia show staining and some loose wiring (satellite cable) hanging. Yard is uneven with patchy turf and some debris/wood beams near the driveway; walk path exists but is worn. Chain-link fence present. No obvious major foundation cracks or collapsed elements visible in photos, but staining at the base of walls and proximity to ground suggests drainage issues that should be remediated. Exterior security bars are present on many windows (egress risk if not quick-release)."
}
],
"red_flags": [
"Ceiling tile staining and sagging (evidence of roof or plumbing leaks)",
"Window security bars on sleeping room windows (potential non-compliant egress)",
"Exposed surface wiring and at least one missing outlet cover (electrical hazard)",
"No visible smoke detectors or CO alarms in photos",
"Staining at base of exterior walls indicating water intrusion/poor drainage and potential mold",
"Hanging/broken light fixture and chain creating immediate hazard"
],
"confidence": 0.65,
"assumptions": [
"Window security bars visible in photos are fixed or not quick-release unless verified otherwise; treated as egress hazard.",
"No smoke detectors or CO alarms are present unless hidden from camera — assumed absent.",
"Water stains on ceilings and stained ceiling tiles indicate prior or active roof or plumbing leaks and potential mold; roof and attic not inspected.",
"HVAC consists of window and wall units shown; no central HVAC or furnace observed. Operability unknown.",
"Electrical panel location and overall service condition not shown; visible surface wiring and missing outlet covers in photos are assumed representative of electrical deficiencies.",
"Water heater and hot water availability not visible; assumed unknown and should be verified at inspection.",
"Appliances (stove and refrigerator) are present per photos but condition/operability is assumed untested.",
"No rental transactions in last 5 years (rental history flagged missing)."
],
"overall_score": 45.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This 2BR/1BA single-family house is in fair-to-poor visible condition. It has appliances present and no evidence of collapsed structure, but multiple NSPIRE safety and system risks are visible: ceiling staining and missing tiles (roof/water intrusion risk), exposed wiring/conduit, barred windows that may block egress, heavy interior staining and finish deterioration, and likely missing smoke/CO/GFCI devices. With focused repairs (roof/ceiling, electrical corrections, installation of required detectors, egress resolution or quick-release window bars, cleaning, paint and flooring), the property could be made Section 8 ready. Expect moderate rehab and system checks — not immediate demolition — and an initial inspection would likely fail until the safety items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 55.0,
"rationale": "Property shows moderate deferred maintenance: interior floors and tiles are heavily stained, walls have scuffs/peeling paint, closet door hardware missing, drop ceiling has missing/stained tiles, and exterior paint/stucco is peeling at the foundation line. Kitchen and bath fixtures appear present (stove and refrigerator visible) but are dated and the ceiling/wall finishes need cleaning/repair. These are primarily moderate cosmetic and finish repairs — not immediate structural collapse items — so the condition is moderate but repairable within a renovation scope."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 35.0,
"rationale": "Multiple safety/code risks visible or reasonably inferred: barred windows (may impair egress), stained and missing ceiling tiles consistent with past/active roof leaks and possible mold, visible conduit/wiring along walls and some exposed wiring, no visible smoke or CO detectors, and no visible GFCI protection in kitchen/bath. Entry/security door has security bars but deadbolt presence is unclear. These create significant NSPIRE risk items that would likely cause a failed initial inspection unless corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 45.0,
"rationale": "Major systems are incomplete or unknown from photos. There is no evidence of central HVAC; cooling appears to rely on window AC units and a wall heater is present (functionality unknown). Ceiling tile staining indicates likely roof leakage (roof integrity uncertain). Plumbing fixtures in bathroom and kitchen are present but untested; water heater and electrical panel are not shown. Given visible water staining and older construction (1961), there is moderate risk to mechanical and roof systems that require inspection/repair."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 50.0,
"rationale": "Exterior shows peeling/soiled stucco at base of walls and mildew staining indicating poor drainage or splash-back; yard is neglected with patches of bare soil and uneven ground. Chain-link fencing present. Roof is flat and visible edges show wear; satellite/antenna cable is hanging on exterior. Foundation does not show obvious major cracks in photos, but staining at the base and water marks are concerning for moisture intrusion and drainage. Overall exterior is serviceable but needs cleaning, paint, and drainage/roof attention."
}
],
"red_flags": [
"Visible water staining and missing/stained ceiling tiles indicating likely roof leaks/active water intrusion",
"Exposed wiring/conduit along interior walls (electrical hazard)",
"Window security bars likely restricting emergency egress (egress hazard)",
"No visible smoke detectors or CO alarms in photos (life-safety requirement)",
"Evidence of possible mold or long-term moisture at base of interior/exterior walls (health hazard)",
"Missing ceiling tiles and ceiling staining over habitable areas (inspection fail risk)"
],
"confidence": 0.6,
"assumptions": [
"Window security bars are fixed (not verified as quick-release) and may impede emergency egress.",
"Smoke and carbon monoxide detectors are not present or not visible in photos; none were observed.",
"HVAC is not central; cooling relies on window AC units and a wall heater is present (operational status unknown).",
"Water heater and main electrical panel locations were not shown; their condition is unknown.",
"Stained/missing ceiling tiles indicate prior or ongoing roof leaks; roof integrity is inferred to be compromised and requires inspection.",
"Appliances pictured (stove, refrigerator) are assumed present but untested; missing small items (outlet covers, GFCI devices) are not shown and assumed absent or needing replacement.",
"No rental history in last 5 years (snapshot) — rental_history_activity excluded from scoring."
],
"overall_score": 47.0,
"rubric_version": "ns_prep_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "525 NW 16th St, Pompano Beach, FL, 33060",
"aggregate": {
"summary": "Moderate condition property with multiple cosmetic and safety deficiencies. The house likely requires 30–60 days of repairs to pass an initial NSPIRE/HCV inspection. Primary inspection risks are window security bars (possible egress failure), absence/unknown status of smoke/CO detectors, water-stained ceiling tiles indicating leaks/mold risk, and exposed/loose wiring. Cosmetic repairs (paint, ceiling tiles, flooring cleaning/replacement, cabinet repairs) plus targeted safety/codes work (egress hardware or removal of bars, installed detectors, electrical corrections) are needed before listing as Section 8-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 55.0,
"rationale": "Interior and exterior show moderate deferred maintenance but no obvious structural collapse. Visible issues: stained and discolored tile floors, heavy staining on some ceiling/drop-ceiling tiles, peeling/dirty paint, missing/warped closet bottom track, worn cabinet faces, damaged awnings, rust/mildew staining at exterior base of walls. Kitchen appliances (stove and refrigerator) are present which reduces penalty for missing appliances. Repairs likely include new paint, ceiling tile replacement, floor cleaning/replace sections, cabinet/door repairs and general cosmetic remediation."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 48.3,
"rationale": "Exterior shows peeling/soiled paint at base of exterior walls, algae/mildew staining, damaged awnings and patchy lawn. Walkway to front door is present but yard has uneven patches. No evident large foundation cracks or roof collapse from exterior photos, but staining under eaves and around windows suggests moisture intrusion and gutter/drainage attention. Chain-link fence present; no obvious major trip hazards visible from photos."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 35.0,
"rationale": "Multiple potential safety/code issues visible. Security bars on all windows appear permanent (no visible quick-release) which likely fail bedroom egress requirements unless quick-release hardware is present. No smoke detectors or CO alarms are visible in photos. Stained drop-ceiling tiles indicate past or ongoing roof/water intrusion and potential mold risk. Exposed wiring/conduit and loose external wiring (rear satellite/cable) are visible. Some fixtures (hanging lamp chains) hang low. These conditions create likely NSPIRE failures until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (MEP) Condition",
"score": 43.3,
"rationale": "Major systems are partially visible: cooling appears to rely on window/room A/C units and a wall heater is installed (no central HVAC shown). Kitchen appliances present but condition unknown. No water heater, HVAC central unit, or electrical panel was photographed. Ceiling tile staining and discoloration indicate past roof/water events that may have impacted mechanicals. Electrical connections and exterior wiring appear unsecure. Plumbing fixtures (toilet, sink, tub) are present but hot water availability not documented. Overall systems need inspection, possible repairs and testing."
}
],
"red_flags": [
"Window security bars without visible quick-release (potential bedroom egress failure)",
"No visible smoke detectors / CO alarms",
"Stained/damaged ceiling/drop tiles indicating water intrusion and potential mold",
"Exposed/loose wiring and unsecured external wiring (safety/electrical hazard)",
"Peeling/soiled exterior paint on pre-1978 building (possible lead-paint risk)"
],
"confidence": 0.95,
"assumptions": [
"No smoke detectors or CO alarms are present unless hidden; none are visible in photos.",
"Window security bars do not have quick-release mechanisms (no hardware visible) and thus likely fail egress; landlord would need to install quick-release or remove bars.",
"Electrical panel is present and intact but was not photographed; condition unknown — exposed wiring observed suggests at least localized unsafe wiring that requires repair.",
"Water heater exists but was not photographed; hot water supply and plumbing integrity are assumed unverified and should be tested.",
"Roof is intact structurally (no visible sagging in photos) but staining on ceiling tiles and eaves indicates prior or intermittent leaks needing repair.",
"No interior mechanical (central HVAC) seen; heating/cooling rely on wall/window units shown.",
"Because the house was built in 1961, lead-based paint is possible where paint is peeling; lead risk evaluation is recommended."
],
"score_method": "mean_of_criteria",
"overall_score": 46.0,
"rubric_version": "ns-pom-2026-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6017764568"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.