Property ID: 6097152398
4325 NW 5th Ave, Deerfield Beach, FL, 33064
Deerfield Beach, FL
Money Down: $71,976
CoC Return: 0.58%
Monthly Cash Flow: $35
Est. Final ARV: $305,595
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,980
Closing Costs
$11,996
Total Down
$71,976
Investment Snapshot
Purchase Price
$299,900
Money Down
$71,976
Cash-on-Cash Return
0.58%
Rent
$2,281
Monthly Cash Flow
$35
Annual Cash Flow
$419
Debt Service / Mo
$1,596
Property Tax / Mo
$348
Insurance / Mo
$74
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,281
Payment Standard
$2,470
Rent
$2,281
Insurance
$74
Property Tax
$348
Management
$228
Utilities Allowance
$189
NOI (Monthly)
$1,631
Debt Service
$1,596
Cash Flow After Debt
$35
Quality Score: 71.10%
Confidence: 89.00%
This 2BR/2BA villa appears largely rent-ready with mostly cosmetic and code-compliance items to address. Major systems are likely present (AC visible) and the exterior and interior show recent updating and maintenance. Primary inspection risks are missing/uncorroborated life-safety items (smoke/CO detectors, deadbolt), unclear GFCI protection, and unverified water heater/electrical panel. With about 1–3 days of targeted fixes (install detectors, secure wiring, add deadbolt, confirm/label GFCI and panel access) and a brief verification of systems, the property would be likely to pass an initial HCV/NSPIRE inspection.
Section 8 Payment Standard
$2,470
Utility Allowance Total
$189
Guaranteed Section 8 Rent (PS - Utilities)
$2,281
Property Management
$228
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,900
Beds
2
Baths
2
Living Area
952 sqft
Lot Size
—
Year Built
1981
Days on Market
97
Capital Outlay
$71,976
Debt Service
$1,596
Property Tax / Mo
$348
Insurance / Mo
$74
Property Description
Great owner financing terms available...No HOA approval process!! Spacious 2 bedroom, 2 bathroom villa with a large screened in patio and a huge fenced in backyard, freshly landscaped. This home features tile and laminate flooring throughout, washer/dryer in the unit, 2 parking spots, primary bedroom has a large walk in closet. Available to all ages.
Utility Allowances
air_conditioning
$25
Standard allowance for a 2-bedroom single-family detached unit in this area.
cooking
$11
Property details list 'Electric Range' and photos confirm an electric stove. The 'select_one' electric option was chosen.
heating
$4
Property has 'Central' heating. The 'select_one' electric option was chosen as it is most common for this region and consistent with other appliances.
natural_gas_base_charge
$0
No natural gas appliances are indicated for cooking or heating.
other_electric
$32
Standard fixed allowance for lights and general small appliances.
range_microwave
$0
Property photos show an attached microwave is provided by the landlord; this allowance is for tenant-owned appliances.
refrigerator
$0
Property details list a refrigerator is provided by the landlord; this allowance is for tenant-owned appliances.
sewer
$38
Inferred public sewer connection based on urban location and details from comparable properties.
trash_collection
$25
Standard fixed allowance for single-family homes.
water
$32
Inferred public water connection based on urban location and details from comparable properties.
water_heating
$22
Property has a water heater, assumed to be electric as it is consistent with other appliances and common for the area. The 'select_one' electric option was chosen.
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$890
DP3 Annual Estimate$890
DP1 Monthly Equivalent$74
DP3 Monthly Equivalent$74
Replacement Value$274,150
Basis952 sqft / 1981
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4317 NW 6th Ave Unit 4317
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440 NW 43rd St
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Properties Used for Comps
Photo unavailable
348 NW 43rd St, Deerfield Beach, FL, 33064
sold
Price: $315,000
Rent: —
2 bd / 2 ba · 952 sqft
Sale Date: Mar 28, 2025
Distance: 0.11 mi
View listing
Photo unavailable
4413 NW 6th Ave Unit 4413, Deerfield Beach, FL, 33064
sold
Price: $330,000
Rent: —
2 bd / 2 ba · 952 sqft
Sale Date: Oct 07, 2024
Distance: 0.15 mi
View listing
Photo unavailable
4316 NW 6th Ave, Deerfield Beach, FL, 33064
sold
Price: $269,500
Rent: —
2 bd / 1 ba · 944 sqft
Sale Date: Dec 30, 2025
Distance: 0.03 mi
View listing
Risk and Criteria Detail
Red Flags
- success
Assumptions
- No smoke detectors or CO alarms were visible in photos; assume not installed or not shown and therefore must be verified/installed.
- GFCI protection at kitchen counters is not evident in photos; assume inspector will require verification or installation if absent.
- HVAC is present and operable (exterior condensing unit and interior vent visible); assume functional but recommend service records or functional test.
- Water heater, main electrical panel and circuit labeling were not photographed; assume accessible and serviceable but unverified.
- No active roof leaks or interior water stains are visible; assume roof is weathertight though shingles are aged.
- Appliances are present (fridge, stove, dishwasher) but show cosmetic wear; assume operable unless testing shows otherwise.
- Fence is owner-maintained wood; assume normal weathering but structurally sound from photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $4,050 | $279,780 | $132,270 |
| 2024 | $3,812 | $279,780 | $132,270 |
| 2023 | $3,372 | $227,790 | $109,320 |
| 2022 | $2,961 | $201,360 | $99,390 |
| 2021 | $2,495 | $152,020 | $90,360 |
| 2020 | $2,206 | $125,290 | $82,150 |
| 2019 | $2,072 | $117,650 | $74,690 |
| 2018 | $1,756 | $96,510 | $67,900 |
| 2017 | $1,676 | $94,010 | $94,010 |
| 2016 | $1,501 | $74,260 | $74,260 |
| 2015 | $1,398 | $64,230 | $51,020 |
| 2014 | $1,267 | $52,570 | $46,390 |
| 2013 | $1,142 | $43,020 | $42,180 |
| 2012 | $977 | $39,730 | $38,350 |
| 2011 | $891 | $34,870 | $34,870 |
| 2010 | $2,013 | $81,390 | $81,390 |
| 2008 | $693 | $127,220 | $127,220 |
| 2007 | $794 | $181,210 | $58,030 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-11 | Listed for rent | $2,300 |
| 2026-03-11 | Listed | $299,900 |
| 2026-01-13 | Listed | $299,900 |
| 2025-09-08 | Price Changed for rent | $2,300 |
| 2025-08-25 | Price Changed for rent | $2,400 |
| 2025-07-23 | Price Changed for rent | $2,450 |
| 2025-06-14 | Price Changed for rent | $2,250 |
| 2025-05-07 | Listed for rent | $2,450 |
| 2023-04-18 | Listing removed | $0 |
| 2023-03-03 | Listing removed | $2,200 |
| 2023-02-25 | Listed for rent | $2,200 |
| 2023-02-24 | Listed for rent | $2,200 |
| 2021-08-26 | Listing removed | $1,900 |
| 2021-08-04 | Listed for rent | $1,900 |
| 2021-07-27 | Listing removed | $1,900 |
| 2021-07-26 | Listed for rent | $1,900 |
| 2021-07-12 | Listing removed | $1,900 |
| 2021-07-10 | Listed for rent | $1,900 |
| 2019-12-11 | Listing removed | $1,500 |
| 2017-04-27 | Listing removed | $1,450 |
| 2017-04-26 | Listing removed | $199,900 |
| 2017-04-10 | Listed | $199,900 |
| 2017-04-10 | Listed for rent | $1,450 |
| 2016-03-18 | Listing removed | $1,400 |
| 2016-03-15 | Price Changed for rent | $1,400 |
Photo Gallery
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"event_name": "Listing removed",
"price_sqft": 1.050420168067227,
"source_name": "MiamiMLS",
"price_change": 0,
"days_after_listed": "6 days",
"source_listing_id": "F1060275",
"price_change_percentage": null
},
{
"date": "2010-05-23",
"price": 94999,
"listing": {
"status": "off_market",
"list_date": "2010-01-23T23:08:00Z",
"list_price": 94999,
"listing_id": "518024282",
"last_update_date": "2010-07-06T20:45:00Z",
"last_status_change_date": "2010-05-24T04:39:00Z"
},
"event_name": "Listing removed",
"price_sqft": 90.99521072796935,
"source_name": "MiamiMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "F1050833",
"price_change_percentage": null
},
{
"date": "2010-05-21",
"price": 94999,
"listing": {
"status": "off_market",
"list_date": "2010-01-23T23:08:00Z",
"list_price": 94999,
"listing_id": "518024282",
"last_update_date": "2010-07-06T20:45:00Z",
"last_status_change_date": "2010-05-24T04:39:00Z"
},
"event_name": "Price Changed",
"price_sqft": 90.99521072796935,
"source_name": "MiamiMLS",
"price_change": 45099,
"days_after_listed": null,
"source_listing_id": "F1050833",
"price_change_percentage": null
},
{
"date": "2010-05-17",
"price": 94999,
"listing": {
"status": "off_market",
"list_date": "2010-05-17T17:31:00Z",
"list_price": 74900,
"listing_id": "523485646",
"last_update_date": "2010-09-22T23:14:00Z",
"last_status_change_date": "2010-09-13T03:58:00Z"
},
"event_name": "Listed",
"price_sqft": 90.99521072796935,
"source_name": "MiamiMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "D1398418",
"price_change_percentage": null
},
{
"date": "2010-05-17",
"price": 1000,
"listing": {
"status": "other",
"list_date": "2010-05-17T07:00:00Z",
"list_price": 900,
"listing_id": "523485602",
"last_update_date": "2010-09-12T20:45:43Z",
"last_status_change_date": "2010-09-12T07:00:00Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.050420168067227,
"source_name": "MiamiMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "D1398419",
"price_change_percentage": null
},
{
"date": "2010-03-13",
"price": 1000,
"listing": {
"status": "off_market",
"list_date": "2010-03-13T21:27:00Z",
"list_price": 1000,
"listing_id": "519855918",
"last_update_date": "2010-07-06T20:45:00Z",
"last_status_change_date": "2010-05-24T04:39:00Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.050420168067227,
"source_name": "MiamiMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "F1060275",
"price_change_percentage": null
},
{
"date": "2010-01-23",
"price": 49900,
"listing": {
"status": "off_market",
"list_date": "2010-01-23T23:08:00Z",
"list_price": 94999,
"listing_id": "518024282",
"last_update_date": "2010-07-06T20:45:00Z",
"last_status_change_date": "2010-05-24T04:39:00Z"
},
"event_name": "Listed",
"price_sqft": 47.79693486590038,
"source_name": "MiamiMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "F1050833",
"price_change_percentage": "-16.13%"
},
{
"date": "2000-07-31",
"price": 59500,
"listing": null,
"event_name": "Sold",
"price_sqft": 62.5,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1999-06-07",
"price": 36800,
"listing": null,
"event_name": "Sold",
"price_sqft": 38.65546218487395,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1999-02-22",
"price": 48000,
"listing": null,
"event_name": "Sold",
"price_sqft": 50.42016806722689,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1981-02-01",
"price": 48000,
"listing": null,
"event_name": "Sold",
"price_sqft": 50.42016806722689,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Electrical",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Commercial",
"permit_project_type_2": "Electrical work",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "plumbing",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Door window replacement",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Doors and windows",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Residential-alteration",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Hvac",
"permit_project_type_2": "Mechanical work",
"permit_project_type_3": "Residential"
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Building miscellaneous",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Residential",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Mechanical HVAC",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Hvac",
"permit_project_type_2": "Mechanical work",
"permit_project_type_3": "Residential"
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Door window replacement",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Doors and windows",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Mechanical HVAC",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Hvac",
"permit_project_type_2": "Mechanical work",
"permit_project_type_3": "Residential"
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "plumbing",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Building miscellaneous",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Residential",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Residential-alteration",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Issued",
"permit_type_of_work": "Electrical",
"permit_effective_date": "Apr 30, 2010",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "6097152398",
"generated_at": "2026-03-27T20:12:02.393572Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 71.1
},
"utility_allowance": {
"zip_code": "33064",
"home_photo": "https://ap.rdcpix.com/d25a9c6a32573240465c63b6bbad7508l-m840875823s-w1280.jpg",
"rent_price": 2281.0,
"loan_amount": 239920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4325-NW-5th-Ave_Deerfield-Beach_FL_33064_M60971-52398",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 299900.0,
"loan_term_years": 30,
"annual_cash_flow": 19573.3,
"mortgage_monthly": 1596.19,
"payment_standard": 2470.0,
"total_amount_out": 59980.0,
"additional_photos": [
"https://ap.rdcpix.com/d25a9c6a32573240465c63b6bbad7508l-m3993764618s-w1280.jpg",
"https://ap.rdcpix.com/d25a9c6a32573240465c63b6bbad7508l-m1203127558s-w1280.jpg",
"https://ap.rdcpix.com/d25a9c6a32573240465c63b6bbad7508l-m4044781147s-w1280.jpg",
"https://ap.rdcpix.com/d25a9c6a32573240465c63b6bbad7508l-m1315917754s-w1280.jpg",
"https://ap.rdcpix.com/d25a9c6a32573240465c63b6bbad7508l-m3409574584s-w1280.jpg",
"https://ap.rdcpix.com/d25a9c6a32573240465c63b6bbad7508l-m3525614065s-w1280.jpg",
"https://ap.rdcpix.com/d25a9c6a32573240465c63b6bbad7508l-m131674669s-w1280.jpg",
"https://ap.rdcpix.com/d25a9c6a32573240465c63b6bbad7508l-m670287327s-w1280.jpg",
"https://ap.rdcpix.com/d25a9c6a32573240465c63b6bbad7508l-m4217102818s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 74.17,
"monthly_cash_flow": 1631.11,
"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": "Standard allowance for a 2-bedroom single-family detached unit in this area.",
"utility": "air_conditioning",
"allowance": 25
},
{
"note": "Property details list 'Electric Range' and photos confirm an electric stove. The 'select_one' electric option was chosen.",
"utility": "cooking",
"allowance": 11
},
{
"note": "Property has 'Central' heating. The 'select_one' electric option was chosen as it is most common for this region and consistent with other appliances.",
"utility": "heating",
"allowance": 4
},
{
"note": "No natural gas appliances are indicated for cooking or heating.",
"utility": "natural_gas_base_charge",
"allowance": 0
},
{
"note": "Standard fixed allowance for lights and general small appliances.",
"utility": "other_electric",
"allowance": 32
},
{
"note": "Property photos show an attached microwave is provided by the landlord; this allowance is for tenant-owned appliances.",
"utility": "range_microwave",
"allowance": 0
},
{
"note": "Property details list a refrigerator is provided by the landlord; this allowance is for tenant-owned appliances.",
"utility": "refrigerator",
"allowance": 0
},
{
"note": "Inferred public sewer connection based on urban location and details from comparable properties.",
"utility": "sewer",
"allowance": 38
},
{
"note": "Standard fixed allowance for single-family homes.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Inferred public water connection based on urban location and details from comparable properties.",
"utility": "water",
"allowance": 32
},
{
"note": "Property has a water heater, assumed to be electric as it is consistent with other appliances and common for the area. The 'select_one' electric option was chosen.",
"utility": "water_heating",
"allowance": 22
}
],
"cash_on_cash_return": 0.33,
"down_payment_amount": 59980.0,
"property_tax_annual": 4171.5,
"property_tax_monthly": 347.62,
"property_tax_increase": 0.03,
"utility_allowance_total": 189.0,
"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/sites/default/files/2024-10/2025%20Small%20Area%20Payment%20Standards.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 418.98,
"property_management_monthly": 228.1,
"monthly_cash_flow_after_debt": 34.91,
"cash_on_cash_return_after_debt": 0.01
},
"section8_assessment": {
"runs": [
{
"summary": "This 2BR/2BA villa appears largely rent-ready with mostly cosmetic and code-compliance items to address. Major systems are likely present (AC visible) and the exterior and interior show recent updating and maintenance. Primary inspection risks are missing/uncorroborated life-safety items (smoke/CO detectors, deadbolt), unclear GFCI protection, and unverified water heater/electrical panel. With about 1–3 days of targeted fixes (install detectors, secure wiring, add deadbolt, confirm/label GFCI and panel access) and a brief verification of systems, the property would be likely to pass an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Cosmetic condition is good: fresh paint, tidy backyard, kitchen cabinets and counters in serviceable condition. Laminate flooring shows some separation/gaps at baseboards in photos and dishwasher/stove show cosmetic wear (dishwasher lower panel chipped). No visible major interior damage. Missing small finish items (outlet covers, trim gaps) likely easy to fix. Missing or older appliances reduce score moderately but unit includes fridge, stove, and dishwasher."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Visible concerns: no smoke detectors or CO alarms are shown in the photos and the front entry shows only a knob (no visible deadbolt). GFCI protection at kitchen counters is not clearly evident from outlet photos. Satellite/cable wiring is loosely routed across the patio area. Bedroom egress appears adequate and there are no obvious trip hazards or active leaks. These likely require corrections to meet NSPIRE (install/verify detectors, add/verify GFCI, install/verify deadbolt/secure wiring)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "An exterior AC condensing unit and interior ceiling vent are visible indicating central AC present. Roof shingles appear aged but intact with no visible sagging or active leaks. Water heater, electrical panel and plumbing equipment are not shown; based on overall condition and AC presence I infer systems are functional but unverified. Lack of visible panel and water heater documentation reduces score; recommend verification of hot water, electrical panel accessibility, and HVAC service history."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior stucco and paint appear in good condition; fenced backyard is secure though fence shows normal weathering. Screened porch and paver patio are intact; yard is recently mulched/landscaped. Minor uneven pavers at parking/walkway edges and some weathering of fence/porch framing are present but are low-cost fixes. Drainage appears acceptable in photos with no standing water observed."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"No smoke detectors or CO alarms were visible in photos; assume not installed or not shown and therefore must be verified/installed.",
"GFCI protection at kitchen counters is not evident in photos; assume inspector will require verification or installation if absent.",
"HVAC is present and operable (exterior condensing unit and interior vent visible); assume functional but recommend service records or functional test.",
"Water heater, main electrical panel and circuit labeling were not photographed; assume accessible and serviceable but unverified.",
"No active roof leaks or interior water stains are visible; assume roof is weathertight though shingles are aged.",
"Appliances are present (fridge, stove, dishwasher) but show cosmetic wear; assume operable unless testing shows otherwise.",
"Fence is owner-maintained wood; assume normal weathering but structurally sound from photos."
],
"overall_score": 68.0,
"rubric_version": "ns-ipr_2026_v1"
},
{
"summary": "Overall the unit appears to be in good, mostly move-in condition with cosmetic updates and all major appliances visible. The most likely inspection issues are missing/insufficient smoke and carbon monoxide detectors and lack of visible GFCI-protected outlets in the kitchen/bath. Mechanical systems appear present (central HVAC) and no structural failures are evident from photos. Expected path to Section 8/HCV initial pass: minor fixes (install/verify detectors and GFCIs, address a few small cosmetic or appliance service items) — likely rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs (cosmetic, appliances, finish)",
"score": 78.0,
"rationale": "Interior and exterior photos show a recently refreshed finish: painted walls, clean tile and laminate flooring, updated-looking kitchen cabinets and countertops. Major appliances (stove, refrigerator, dishwasher, washer/dryer per listing) are present; dishwasher shows wear on lower panel but no visible damage that would automatically fail. Minor cosmetic items: small gaps in laminate at baseboard in closet, aged pavers at entry, weathering on fence, and some discoloration at screened porch threshold. These are easy-to-fix or cosmetic and would not likely cause major delay to pass an initial inspection."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE code risks (smoke/CO detectors, egress, electrical hazards)",
"score": 65.0,
"rationale": "No visible exposed wiring, no collapsed ceilings, no standing water, and bedroom egress window appears adequate. A round ceiling device visible in a bedroom photo likely is a smoke alarm, but smoke detectors are not visible in other required locations (hallways, living spaces) and carbon monoxide detector presence is not shown. Kitchen outlets visible appear to be standard outlets (no identifiable GFCI receptacle shown) — GFCI protection in kitchen/bathrooms is commonly required. Entry door has a deadbolt and looks secure. Because GFCI and full smoke/CO coverage cannot be confirmed from photos, there is a moderate NSPIRE risk (likely quick fixes: add/verify detectors and GFCIs)."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, roof, electrical, plumbing, water heater)",
"score": 70.0,
"rationale": "Central HVAC appears present (ceiling vent inside and an outdoor condensing unit visible near the screened porch). Roof shingles are aged but show no obvious sagging or active leaks in photos. Kitchen plumbing fixtures look intact; water heater and electrical panel are not shown. No visible evidence of roof leaks, foundation movement, or plumbing failure in interior photos. Missing visibility of electrical panel and water heater reduces certainty and suggests contractor verification prior to move-in, but nothing in images indicates major systems failure."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard, walkways, fencing",
"score": 75.0,
"rationale": "Exterior stucco and paint look in generally good condition. Fencing is intact though weathered and may benefit from maintenance; backyard was recently landscaped with new mulch and decorative rock and solid paver patios. Screened porch structure looks sound and intact. Walkway and parking bumpers are in place; there are some uneven pavers and minor wear at the curb/entry that could be smoothed. No visible drainage or standing-water issues in the provided photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement that washer/dryer are in-unit is accurate and appliances are operable; photos show stove, fridge, dishwasher.",
"The round ceiling device visible in the bedroom photo is assumed to be a smoke alarm, but coverage in other required locations is not shown.",
"No active roof leaks, significant mold, or foundation movement are present beyond what photos show; roof appears aged but intact.",
"Electrical panel and water heater were not photographed and their service condition is unknown; assumed functional unless inspection reveals otherwise.",
"GFCI protection in kitchen and bathrooms is not evident in photos and is assumed absent or not verifiable; remedy likely required if absent."
],
"overall_score": 72.0,
"rubric_version": "1.0"
},
{
"summary": "This 2-bed/2-bath villa appears generally rent-ready for Section 8 with mostly cosmetic issues and older but present appliances and systems. Primary risks for an initial HCV/NSPIRE inspection are the absence of visible smoke and CO detectors, unclear GFCI protection in the kitchen/bath, and unverified electrical panel and hot-water system condition. Exterior, yard and living areas look well-maintained and the unit should pass after minor items (install/verify alarms, secure loose porch cable, check/replace GFCI/outlets if required, address minor flooring seam and appliance trim) are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Interior and exterior photos show a mostly clean, recently refreshed unit with tile and laminate flooring, painted walls, updated-looking kitchen cabinets and countertops, and existing appliances (stove, refrigerator, dishwasher). Minor visible defects: a small seam/gap in laminate flooring in closet/bedroom, dishwasher shows age and missing lower trim, screen frame and screen door show wear, and paver surface has minor staining/unevenness at edges. No major interior surface damage (no large drywall holes or collapsed ceilings). Overall condition is good with primarily cosmetic or appliance-age issues that are easy or moderate fixes."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No obvious life-threatening hazards in photos (no collapsed ceilings, visible mold, standing water, or major structural sagging). Entry door appears secure and has a lock; screened porch has intact screening. However critical safety items are not visible in images: no smoke detectors or carbon monoxide alarms are shown, kitchen outlets near sink do not clearly show GFCI protection, and the electrical panel and water heater are not pictured. A low-hanging cable is visible on the screened porch which should be fastened. Given the absence of visible detectors and unknown GFCI status, there is a moderate NSPIRE compliance risk that will likely require minor additions (smoke/CO alarms, GFCI) or verification at inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, plumbing, electrical, roof, water heater)",
"score": 70.0,
"rationale": "Evidence of central HVAC (ceiling vent inside and outdoor condensing unit visible outside) suggesting heating/cooling is present. Roof shingles appear aged but intact with no clear signs of active leaks or sagging. Plumbing fixtures (kitchen sink, bathrooms shown indirectly) are present and look serviceable. Electrical panel and water heater are not shown so their condition is unknown. Appliances are present but show normal wear for their age. Overall systems appear functional based on visible indicators, but verification of electrical panel labeling, GFCI functionality, water heater condition, and HVAC operation will be needed—minor-to-moderate risk until confirmed."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 80.0,
"rationale": "Exterior stucco and paint appear recently refreshed; fenced backyard is fully enclosed and landscaping appears newly mulched with decorative stone — good curb and site presentation. Screened porch and pavers provide usable outdoor living space. The wooden privacy fence shows weathering but no obvious failure. Drive/parking area shows typical wear but functional. Drainage issues or foundation cracks are not visible in provided photos. Overall exterior and site are in good, rent-ready condition though some fence boards and screenframe hardware may need minor attention."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC is functional because ceiling vents are visible and an outdoor condensing unit is shown in photos.",
"Hot water system (water heater) is present and operational though not pictured; functioning plumbing is assumed because fixtures are intact and no signs of leaks are visible.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they are not reliably present or not shown and will need verification/installation.",
"Kitchen outlets shown are assumed to be standard receptacles; GFCI protection near sink is not apparent and should be tested/installed if absent.",
"Electrical panel condition is unknown (not shown); assumed intact without visible hazards but inspection verification is required.",
"No major roof leaks or foundation movement are present based on exterior/shingle appearance and straight wall/fascia lines in images.",
"Washer/dryer are present in-unit per listing text (not pictured) and assumed functional but should be verified.",
"No evidence of active pest infestation or severe mold was observed in photos; assume none present but recommend routine inspection."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4325 NW 5th Ave, Deerfield Beach, FL, 33064",
"aggregate": {
"summary": "This 2BR/2BA villa appears largely rent-ready with mostly cosmetic and code-compliance items to address. Major systems are likely present (AC visible) and the exterior and interior show recent updating and maintenance. Primary inspection risks are missing/uncorroborated life-safety items (smoke/CO detectors, deadbolt), unclear GFCI protection, and unverified water heater/electrical panel. With about 1–3 days of targeted fixes (install detectors, secure wiring, add deadbolt, confirm/label GFCI and panel access) and a brief verification of systems, the property would be likely to pass an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.0,
"rationale": "Cosmetic condition is good: fresh paint, tidy backyard, kitchen cabinets and counters in serviceable condition. Laminate flooring shows some separation/gaps at baseboards in photos and dishwasher/stove show cosmetic wear (dishwasher lower panel chipped). No visible major interior damage. Missing small finish items (outlet covers, trim gaps) likely easy to fix. Missing or older appliances reduce score moderately but unit includes fridge, stove, and dishwasher."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 77.7,
"rationale": "Exterior stucco and paint appear in good condition; fenced backyard is secure though fence shows normal weathering. Screened porch and paver patio are intact; yard is recently mulched/landscaped. Minor uneven pavers at parking/walkway edges and some weathering of fence/porch framing are present but are low-cost fixes. Drainage appears acceptable in photos with no standing water observed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 61.7,
"rationale": "Visible concerns: no smoke detectors or CO alarms are shown in the photos and the front entry shows only a knob (no visible deadbolt). GFCI protection at kitchen counters is not clearly evident from outlet photos. Satellite/cable wiring is loosely routed across the patio area. Bedroom egress appears adequate and there are no obvious trip hazards or active leaks. These likely require corrections to meet NSPIRE (install/verify detectors, add/verify GFCI, install/verify deadbolt/secure wiring)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 68.3,
"rationale": "An exterior AC condensing unit and interior ceiling vent are visible indicating central AC present. Roof shingles appear aged but intact with no visible sagging or active leaks. Water heater, electrical panel and plumbing equipment are not shown; based on overall condition and AC presence I infer systems are functional but unverified. Lack of visible panel and water heater documentation reduces score; recommend verification of hot water, electrical panel accessibility, and HVAC service history."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"No smoke detectors or CO alarms were visible in photos; assume not installed or not shown and therefore must be verified/installed.",
"GFCI protection at kitchen counters is not evident in photos; assume inspector will require verification or installation if absent.",
"HVAC is present and operable (exterior condensing unit and interior vent visible); assume functional but recommend service records or functional test.",
"Water heater, main electrical panel and circuit labeling were not photographed; assume accessible and serviceable but unverified.",
"No active roof leaks or interior water stains are visible; assume roof is weathertight though shingles are aged.",
"Appliances are present (fridge, stove, dishwasher) but show cosmetic wear; assume operable unless testing shows otherwise.",
"Fence is owner-maintained wood; assume normal weathering but structurally sound from photos."
],
"score_method": "mean_of_criteria",
"overall_score": 71.1,
"rubric_version": "ns-ipr_2026_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6097152398"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.