Property ID: 6173242604
4138 Faith St, West Palm Beach, FL, 33406
West Palm Beach, FL
Money Down: $59,760
CoC Return: -2.24%
Monthly Cash Flow: $-112
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$49,800
Closing Costs
$9,960
Total Down
$59,760
Investment Snapshot
Purchase Price
$249,000
Money Down
$59,760
Cash-on-Cash Return
-2.24%
Rent
$1,719
Monthly Cash Flow
$-112
Annual Cash Flow
$-1,340
Debt Service / Mo
$1,325
Property Tax / Mo
$279
Insurance / Mo
$54
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,719
Payment Standard
$1,980
Rent
$1,719
Insurance
$54
Property Tax
$279
Management
$172
Utilities Allowance
$261
NOI (Monthly)
$1,214
Debt Service
$1,325
Cash Flow After Debt
$-112
Quality Score: 23.00%
Confidence: 81.00%
This property is not rent-ready and would likely fail an initial HCV/NSPIRE inspection. Visible life-safety and system issues (exposed wiring, sagging ceiling, old/rusted water heater, missing detectors, aging roof and electrical wiring) require significant corrective work. Expect a major rehabilitation scope (structural/roof repairs, full electrical and plumbing checks/replacement, new HVAC or verified functioning window units, new finishes, installation of smoke/CO detectors, egress repairs) — likely >30 days and realistically several weeks to months depending on contractor availability and permitting.
Section 8 Payment Standard
$1,980
Utility Allowance Total
$261
Guaranteed Section 8 Rent (PS - Utilities)
$1,719
Property Management
$172
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$249,000
Beds
2
Baths
1
Living Area
696 sqft
Lot Size
6,970 sqft
Year Built
1957
Days on Market
91
Capital Outlay
$59,760
Debt Service
$1,325
Property Tax / Mo
$279
Insurance / Mo
$54
Property Description
2/1 block home, needs full home renovation Freshly cleared rear lot House has been cleaned out Needs everything, age of big ticket items unknown
Utility Allowances
Heating
$8
Property has heating. Electric is assumed as no other fuel type is mentioned. City of West Palm Beach rate is used.
Air Conditioning
$33
Air conditioning is essential in Florida. The property is in West Palm Beach, so the city-specific rate is selected.
Cooking
$7
Tenant-provided electric range is assumed as none is included and no gas is specified. City of West Palm Beach rate is used.
Water Heating
$16
Hot water is a basic necessity. Electric is assumed as no other fuel is specified. The City of West Palm Beach rate is used.
Other Electric
$37
This covers general tenant electricity usage for lights and plug-in appliances. The City of West Palm Beach rate is selected.
Electric Service Charge
$11
Standard monthly service fee for having an active electric account.
Water
$48
Property is connected to a public water source. The City of West Palm Beach rate is used as per the property's location.
Sewer
$56
Property is connected to a public sewer service. The City of West Palm Beach rate is used as per the property's location.
Trash Collection
$22
Trash collection is a standard service for a single-family residence. The City of West Palm Beach rate is selected.
Refrigerator
$12
The property does not include a refrigerator, so the tenant is expected to provide their own.
Range/Microwave
$11
The property does not include a range or microwave, so the tenant is expected to provide their own.
Natural Gas Service Charge
$0
Property does not use natural gas.
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$651
DP3 Annual Estimate$651
DP1 Monthly Equivalent$54
DP3 Monthly Equivalent$54
Replacement Value$90,605
Basis696 sqft / 1957
Nearby Houses
Photo unavailable
4120 Faith St
sold · 0.02 mi
Price: $242,200
2 bd / 1 ba · 792 sqft
Latest sale: $242,200
Latest rent: —
Photo unavailable
4158 Faith St
sold · 0.02 mi
Price: $365,000
3 bd / 1 ba · 1,091 sqft
Latest sale: $365,000
Latest rent: —
Photo unavailable
4173 Faith St
sold · 0.04 mi
Price: $285,000
2 bd / 1 ba · 1,344 sqft
Latest sale: $285,000
Latest rent: —
Photo unavailable
4177 Success St
sold · 0.05 mi
Price: $260,000
2 bd / 1 ba · 520 sqft
Latest sale: $260,000
Latest rent: —
Photo unavailable
4087 Success St
sold · 0.05 mi
Price: $49,000
— bd / — ba
Latest sale: $49,000
Latest rent: —
Photo unavailable
4195 Faith St
sold · 0.06 mi
Price: $170,000
3 bd / 2 ba · 1,116 sqft
Latest sale: $170,000
Latest rent: —
Photo unavailable
1316 Rainbow Ave
sold · 0.07 mi
Price: $311,000
2 bd / 1 ba · 520 sqft
Latest sale: $311,000
Latest rent: —
Photo unavailable
4110 Success St
sold · 0.07 mi
Price: $355,000
3 bd / 2 ba · 1,265 sqft
Latest sale: $355,000
Latest rent: —
Photo unavailable
1286 Rainbow Ave
off_market · 0.08 mi
Price: $299,000
3 bd / 2 ba · 990 sqft
Latest sale: $96,000
Latest rent: —
Photo unavailable
4055 Faith St
sold · 0.09 mi
Price: $425,000
3 bd / 2 ba · 1,512 sqft
Latest sale: $425,000
Latest rent: —
Photo unavailable
4193 Happiness St
sold · 0.11 mi
Price: $288,000
5 bd / — ba · 1,960 sqft
Latest sale: $288,000
Latest rent: —
Photo unavailable
4081 Happiness St
sold · 0.11 mi
Price: $225,000
3 bd / 2 ba · 1,476 sqft
Latest sale: $225,000
Latest rent: —
Photo unavailable
4199 Happiness St
sold · 0.12 mi
Price: $95,000
2 bd / 1 ba · 520 sqft
Latest sale: $95,000
Latest rent: —
Photo unavailable
4063 Pot O Gold St
sold · 0.12 mi
Price: $435,000
3 bd / 1 ba · 1,049 sqft
Latest sale: $435,000
Latest rent: —
Photo unavailable
4055 Happiness St
sold · 0.13 mi
Price: $195,000
3 bd / 1 ba · 1,176 sqft
Latest sale: $195,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Exposed/loose electrical wiring at exterior and under carport (electrical hazard)
- Sagging/damaged interior ceiling (possible structural/roof leak or collapse risk)
- Old/rusted water heater installed outdoors with exposed connections
- No visible smoke or CO detectors (life-safety failure)
- Boarded/secured openings and damaged window/door coverings that may block egress
- Dead/dying large tree crown near structure (fall risk) and damaged fencing/gates
Assumptions
- Interior kitchen appliances and finishes are missing or non-functional (listing says 'needs everything'); no stove/fridge shown.
- No smoke or carbon monoxide detectors are present (none visible in interior photos).
- Window egress sizes are unknown; assume some bedrooms may not meet modern egress without upgrade.
- Electrical system condition beyond visible exposed wiring is unknown; assumed older service with improvised exterior wiring.
- Water heater appears connected but rusted and likely near end-of-life; hot water availability is not confirmed.
- Roof has not been inspected from the interior beyond visible ceiling damage; assume water intrusion/leaks in areas with ceiling sag.
- No rental history in the last 5 years (snapshot shows missing), so rental_history_activity excluded from scoring.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $3,253 | $213,203 | $136,076 |
| 2023 | $2,989 | $191,733 | $123,705 |
| 2022 | $2,885 | $201,671 | $102,235 |
| 2021 | $2,444 | $144,015 | $92,941 |
| 2020 | $2,211 | $122,010 | $84,492 |
| 2019 | $2,027 | $104,103 | $76,811 |
| 2018 | $1,813 | $96,766 | $69,828 |
| 2017 | $1,668 | $88,236 | $63,480 |
| 2016 | $1,490 | $67,049 | $57,709 |
| 2015 | $1,435 | $62,650 | $52,463 |
| 2014 | $1,292 | $49,034 | $47,694 |
| 2013 | $1,198 | $43,358 | $43,358 |
| 2012 | $537 | $32,843 | $32,843 |
| 2011 | $664 | $41,909 | $39,188 |
| 2010 | $643 | $58,445 | $38,609 |
| 2008 | $533 | $65,330 | $65,330 |
| 2007 | $696 | $111,318 | $36,462 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-18 | Listed | $249,000 |
| 2026-02-24 | Sold | $88,000 |
| 1986-12-01 | Sold | $34,000 |
Photo Gallery
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4138-Faith-St_West-Palm-Beach_FL_33406_M61732-42604",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 249000.0,
"loan_term_years": 30,
"annual_cash_flow": 14563.61,
"mortgage_monthly": 1325.28,
"payment_standard": 1980.0,
"total_amount_out": 49800.0,
"additional_photos": [
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"https://ap.rdcpix.com/3c061acb60981db1d80666845ed79efcl-m1493683229s-w1280.jpg",
"https://ap.rdcpix.com/3c061acb60981db1d80666845ed79efcl-m742203215s-w1280.jpg",
"https://ap.rdcpix.com/3c061acb60981db1d80666845ed79efcl-m1680651721s-w1280.jpg",
"https://ap.rdcpix.com/3c061acb60981db1d80666845ed79efcl-m2891458272s-w1280.jpg",
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"https://ap.rdcpix.com/3c061acb60981db1d80666845ed79efcl-m3392108251s-w1280.jpg",
"https://ap.rdcpix.com/3c061acb60981db1d80666845ed79efcl-m1752879617s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 54.25,
"monthly_cash_flow": 1213.63,
"property_tax_rate": 0.0091,
"_utility_allowance": {
"sources": [
"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL080/sources/utility/wp-content_uploads_PBCHA-UT-allowance-2025.raster.pdf"
],
"effective_date": "2025-01-01"
},
"utility_allowances": [
{
"note": "Property has heating. Electric is assumed as no other fuel type is mentioned. City of West Palm Beach rate is used.",
"utility": "Heating",
"allowance": 8
},
{
"note": "Air conditioning is essential in Florida. The property is in West Palm Beach, so the city-specific rate is selected.",
"utility": "Air Conditioning",
"allowance": 33
},
{
"note": "Tenant-provided electric range is assumed as none is included and no gas is specified. City of West Palm Beach rate is used.",
"utility": "Cooking",
"allowance": 7
},
{
"note": "Hot water is a basic necessity. Electric is assumed as no other fuel is specified. The City of West Palm Beach rate is used.",
"utility": "Water Heating",
"allowance": 16
},
{
"note": "This covers general tenant electricity usage for lights and plug-in appliances. The City of West Palm Beach rate is selected.",
"utility": "Other Electric",
"allowance": 37
},
{
"note": "Standard monthly service fee for having an active electric account.",
"utility": "Electric Service Charge",
"allowance": 11
},
{
"note": "Property is connected to a public water source. The City of West Palm Beach rate is used as per the property's location.",
"utility": "Water",
"allowance": 48
},
{
"note": "Property is connected to a public sewer service. The City of West Palm Beach rate is used as per the property's location.",
"utility": "Sewer",
"allowance": 56
},
{
"note": "Trash collection is a standard service for a single-family residence. The City of West Palm Beach rate is selected.",
"utility": "Trash Collection",
"allowance": 22
},
{
"note": "The property does not include a refrigerator, so the tenant is expected to provide their own.",
"utility": "Refrigerator",
"allowance": 12
},
{
"note": "The property does not include a range or microwave, so the tenant is expected to provide their own.",
"utility": "Range/Microwave",
"allowance": 11
},
{
"note": "Property does not use natural gas.",
"utility": "Natural Gas Service Charge",
"allowance": 0
}
],
"cash_on_cash_return": 0.29,
"down_payment_amount": 49800.0,
"property_tax_annual": 3350.59,
"property_tax_monthly": 279.22,
"property_tax_increase": 0.03,
"utility_allowance_total": 261.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL080/sources/payment/wp-content_uploads_2025-Payment-Standards.raster.pdf",
"file:///Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL080/sources/payment/wp-content_uploads_2025-Payment-Standards.raster.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -1339.78,
"property_management_monthly": 171.9,
"monthly_cash_flow_after_debt": -111.65,
"cash_on_cash_return_after_debt": -0.03
},
"section8_assessment": {
"runs": [
{
"summary": "This property is not rent-ready and would likely fail an initial HCV/NSPIRE inspection. Visible life-safety and system issues (exposed wiring, sagging ceiling, old/rusted water heater, missing detectors, aging roof and electrical wiring) require significant corrective work. Expect a major rehabilitation scope (structural/roof repairs, full electrical and plumbing checks/replacement, new HVAC or verified functioning window units, new finishes, installation of smoke/CO detectors, egress repairs) — likely >30 days and realistically several weeks to months depending on contractor availability and permitting.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 28.0,
"rationale": "Listing and photos indicate a property that 'needs everything' and 'full home renovation'. Interior finishes are heavily damaged: peeling/chewed wall surfaces, damaged flooring, patches, and ceiling panels with visible sag/crack. Exterior awnings and window coverings are dented/old. No kitchen or appliances are shown; water heater is rusted and located outside. These are more than cosmetic repairs and require moderate-to-major rehab, but the primary structure (cinderblock walls) appears intact in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 20.0,
"rationale": "Multiple visible safety deficiencies that are likely inspection-fail items: exposed/loose electrical wiring (notably near the outside water heater and under the carport), a visibly sagging/damaged ceiling (risk of collapse), no visible smoke or CO detectors in images, boarded openings and unsecured sections, and older window units/awnings that may impede egress. The exterior electrical meter/panels are visible but there are loose cables. These are significant NSPIRE risks and would likely generate immediate failed items."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 25.0,
"rationale": "Major systems appear aged or incomplete: water heater is old/rusted and currently exposed to elements, no evidence of a central HVAC (only window A/C units visible), roof appears aged with missing soffit/trim and possible leak risk (ceiling damage supports this), and electrical wiring appears improvised/outside routing. Plumbing fixtures, hot water functionality, and electrical panel condition are unknown but likely require service or replacement."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 45.0,
"rationale": "Lot has been cleared and graded (positive), but site shows vehicle/track disturbance and uneven ground. Chain-link fence and gates are damaged/misaligned; some boarded windows/doors; exterior cinderblock walls are stained and show previous water intrusion but no obvious catastrophic foundation cracks in provided photos. Mature trees (one with large dead crown) present potential risk. Overall the site is repairable but needs cleanup, driveway stabilization, fence repair and tree work."
}
],
"red_flags": [
"Exposed/loose electrical wiring at exterior and under carport (electrical hazard)",
"Sagging/damaged interior ceiling (possible structural/roof leak or collapse risk)",
"Old/rusted water heater installed outdoors with exposed connections",
"No visible smoke or CO detectors (life-safety failure)",
"Boarded/secured openings and damaged window/door coverings that may block egress",
"Dead/dying large tree crown near structure (fall risk) and damaged fencing/gates"
],
"confidence": 0.6,
"assumptions": [
"Interior kitchen appliances and finishes are missing or non-functional (listing says 'needs everything'); no stove/fridge shown.",
"No smoke or carbon monoxide detectors are present (none visible in interior photos).",
"Window egress sizes are unknown; assume some bedrooms may not meet modern egress without upgrade.",
"Electrical system condition beyond visible exposed wiring is unknown; assumed older service with improvised exterior wiring.",
"Water heater appears connected but rusted and likely near end-of-life; hot water availability is not confirmed.",
"Roof has not been inspected from the interior beyond visible ceiling damage; assume water intrusion/leaks in areas with ceiling sag.",
"No rental history in the last 5 years (snapshot shows missing), so rental_history_activity excluded from scoring."
],
"overall_score": 28.0,
"rubric_version": "ns_2026_v1"
},
{
"summary": "Property requires major rehabilitation before it can pass a Section 8 / NSPIRE inspection. Visible hazards include exposed electrical wiring, an old external water heater with nearby wiring, sagging/damaged interior ceilings, missing/board‑up windows and likely missing alarms. Major systems (electrical, plumbing, HVAC, roof) appear aged or removed and will require inspection and likely substantial repair or replacement. Expect 90+ days and significant investment to reach rent-ready/inspection pass condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 20.0,
"rationale": "Listing and photos show a property that 'needs everything' and 'full home renovation.' Interior finishes are damaged: peeling/sagging ceiling, damaged walls, worn/unsound flooring. Kitchen and bathroom appear gutted/removed or not shown; listing states house has been cleaned out. Exterior block walls remain but many components (awnings, window frames, trim) are damaged or boarded. Missing or nonfunctional appliances likely. Overall many cosmetic and functional repairs required before occupancy."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE compliance risk",
"score": 15.0,
"rationale": "Multiple safety risks visible: numerous loose/exposed electrical wires on exterior, older water heater mounted outside with wiring nearby, interior ceiling damage/sag (potential falling hazard/water damage), boarded windows/doors and missing window covers creating egress/security concerns, no visible smoke/CO detectors, aged window AC units/unknown cooling. These are inspection-fail or high-risk safety items under NSPIRE (electrical hazards, ceiling integrity, missing alarms, egress & secure entry)."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 20.0,
"rationale": "Major systems appear aged or nonfunctional: exterior electric wiring is untidy and likely un-permitted, water heater is old and rust-stained, no central HVAC visible (window units present but condition unknown), plumbing fixtures and kitchen systems are likely removed (listing 'needs everything'). Roof shows aging shingles but no visible collapse; however age and unknown condition of drain/roof suggests likely replacement. Overall mechanical systems need significant verification/repair or replacement."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 30.0,
"rationale": "Cinderblock shell is intact with no obvious major foundation failure in photos, yard has been freshly cleared with heavy equipment tracks (good for grading) but driveway/parking is sandy and fence/gate leaning. Porch posts and awnings show rust/decay. No standing water visible in images, but vegetation and a very large dead/declining tree near the house could be a future risk. Exterior needs work but is less immediately hazardous than internal systems."
}
],
"red_flags": [
"Exposed/loose electrical wiring on exterior (electrical hazard)",
"Ceiling damage / sagging (possible collapse/water intrusion)",
"Aged/rusted water heater located outside with nearby wiring",
"No visible smoke or CO detectors",
"Boarded windows/doors and potential egress issues",
"No visible central HVAC and window units of unknown condition",
"General 'needs everything' condition indicating major deferred maintenance"
],
"confidence": 0.65,
"assumptions": [
"Utilities are likely off or non-functional for show photos — electrical, water, and HVAC are assumed unverified.",
"Kitchen and bathroom fixtures/appliances are missing or non-functional (listing 'needs everything'); plumbing rough‑ins may exist but were not shown.",
"No smoke or carbon monoxide detectors are visible in photos; assume detectors are not installed or nonfunctional.",
"Electrical service/panel condition is unknown and likely outdated given external exposed wiring; assume at minimum partial rewiring and panel inspection required.",
"Window sizes for bedrooms and egress were not measured; assume some windows may not meet modern egress requirements.",
"Roof covering appears aged but not visibly collapsed; assume roof replacement or major repairs will be required due to age and condition.",
"No rental events in last 5 years (snapshot confirmed), so no recent inspection history to indicate prior compliance."
],
"overall_score": 20.0,
"rubric_version": "2026-03-hud-nspire-v1"
},
{
"summary": "This 2-bed/1-bath block home is not Section 8 / NSPIRE ready and is likely to fail an initial inspection. Photos and the listing note full renovation is required. Major issues include exposed electrical wiring, corroded exterior water heater, interior ceiling damage/possible water intrusion, boarded openings, missing or inadequate HVAC, and broad deferred maintenance. Substantial repairs and system replacements (electrical, HVAC, water heater/plumbing, roof/roof edge, windows/egress, smoke/CO detectors, interior finishes) are required before it could pass an initial inspection and be safe/rent-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 20.0,
"rationale": "Photos and listing state 'needs everything' and show widespread deferred maintenance: peeling/holes in interior walls, damaged vinyl flooring, ceiling damage/sag, exterior boarded openings, missing trim, rusted porch post, old awnings and window units. House appears structurally standing but requires full renovation (cosmetic + many capital replacements). Missing kitchen/bath fixtures/appliances are likely. Overall condition constitutes major rehab rather than minor touch-up."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 15.0,
"rationale": "Multiple safety risks visible: exposed and messy exterior wiring around meter/water heater, boarded windows/doors restricting egress, interior ceiling damage (possible structural/Water intrusion), no visible smoke/CO detectors, window units and jalousie-style windows may not meet egress code for bedrooms, rusted/support post and unsecured porch area. These issues create a high NSPIRE fail risk without remediation."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 20.0,
"rationale": "No central HVAC visible (only window A/Cs), water heater is exterior, old and corroded, and exterior electrical wiring appears improvised — all indicate system-level replacements likely required (HVAC, water heater, electrical rewiring/panel check). Roof edge and fascia show wear and potential leak points. Plumbing, hot water operation and electrical panel condition are unknown but likely require significant work given visible deterioration."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 30.0,
"rationale": "Lot has been recently cleared (heavy equipment tracks) which reduces vegetation risk, but yard/driveway is raw dirt, fencing is damaged/misaligned, exterior cinderblock shell is intact but stained and has patched/boarded sections. Roof edges and soffit/fascia need attention. Site is usable but needs repair/clean-up and proper grading/drainage work."
}
],
"red_flags": [
"electrical hazards (exposed/messy wiring at exterior/water heater)",
"structural sagging / ceiling damage (visible interior ceiling cracks and sagging)",
"no visible central heating system (only window A/Cs visible)",
"active water intrusion / possible leaks (inferred from ceiling damage and exterior roof/fascia deterioration)",
"boarded/secured openings and broken/unsafe porch post creating egress/security issues"
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'needs everything' and photos imply kitchen and bathroom fixtures/appliances are missing or nonfunctional; specific appliance condition not shown.",
"No smoke or carbon monoxide detectors are visible in photos; assume none present or improperly located.",
"Electrical panel condition inside the unit is not shown; external wiring appearance suggests likely need for electrical inspection and probable repairs.",
"Water heater seen outside is old and corroded; assume it may be inoperable or near end-of-life and requires replacement.",
"No central HVAC unit is visible; assume cooling is only by window units (may be insufficient) and no forced-air heating present.",
"Roof covering age and underlayment condition are unknown; visible fascia/soffit deterioration and ceiling damage suggest probable roof leaks.",
"Interior plumbing fixture operation, hot water availability, and presence of mold hidden behind finishes cannot be confirmed from photos and are assumed at risk given condition.",
"No rental activity in last 5 years according to provided snapshot."
],
"overall_score": 20.0,
"rubric_version": "ns-2026-03-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4138 Faith St, West Palm Beach, FL, 33406",
"aggregate": {
"summary": "This property is not rent-ready and would likely fail an initial HCV/NSPIRE inspection. Visible life-safety and system issues (exposed wiring, sagging ceiling, old/rusted water heater, missing detectors, aging roof and electrical wiring) require significant corrective work. Expect a major rehabilitation scope (structural/roof repairs, full electrical and plumbing checks/replacement, new HVAC or verified functioning window units, new finishes, installation of smoke/CO detectors, egress repairs) — likely >30 days and realistically several weeks to months depending on contractor availability and permitting.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 22.7,
"rationale": "Listing and photos indicate a property that 'needs everything' and 'full home renovation'. Interior finishes are heavily damaged: peeling/chewed wall surfaces, damaged flooring, patches, and ceiling panels with visible sag/crack. Exterior awnings and window coverings are dented/old. No kitchen or appliances are shown; water heater is rusted and located outside. These are more than cosmetic repairs and require moderate-to-major rehab, but the primary structure (cinderblock walls) appears intact in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 35.0,
"rationale": "Lot has been cleared and graded (positive), but site shows vehicle/track disturbance and uneven ground. Chain-link fence and gates are damaged/misaligned; some boarded windows/doors; exterior cinderblock walls are stained and show previous water intrusion but no obvious catastrophic foundation cracks in provided photos. Mature trees (one with large dead crown) present potential risk. Overall the site is repairable but needs cleanup, driveway stabilization, fence repair and tree work."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 16.7,
"rationale": "Multiple visible safety deficiencies that are likely inspection-fail items: exposed/loose electrical wiring (notably near the outside water heater and under the carport), a visibly sagging/damaged ceiling (risk of collapse), no visible smoke or CO detectors in images, boarded openings and unsecured sections, and older window units/awnings that may impede egress. The exterior electrical meter/panels are visible but there are loose cables. These are significant NSPIRE risks and would likely generate immediate failed items."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 21.7,
"rationale": "Major systems appear aged or incomplete: water heater is old/rusted and currently exposed to elements, no evidence of a central HVAC (only window A/C units visible), roof appears aged with missing soffit/trim and possible leak risk (ceiling damage supports this), and electrical wiring appears improvised/outside routing. Plumbing fixtures, hot water functionality, and electrical panel condition are unknown but likely require service or replacement."
}
],
"red_flags": [
"Exposed/loose electrical wiring at exterior and under carport (electrical hazard)",
"Sagging/damaged interior ceiling (possible structural/roof leak or collapse risk)",
"Old/rusted water heater installed outdoors with exposed connections",
"No visible smoke or CO detectors (life-safety failure)",
"Boarded/secured openings and damaged window/door coverings that may block egress",
"Dead/dying large tree crown near structure (fall risk) and damaged fencing/gates"
],
"confidence": 0.81,
"assumptions": [
"Interior kitchen appliances and finishes are missing or non-functional (listing says 'needs everything'); no stove/fridge shown.",
"No smoke or carbon monoxide detectors are present (none visible in interior photos).",
"Window egress sizes are unknown; assume some bedrooms may not meet modern egress without upgrade.",
"Electrical system condition beyond visible exposed wiring is unknown; assumed older service with improvised exterior wiring.",
"Water heater appears connected but rusted and likely near end-of-life; hot water availability is not confirmed.",
"Roof has not been inspected from the interior beyond visible ceiling damage; assume water intrusion/leaks in areas with ceiling sag.",
"No rental history in the last 5 years (snapshot shows missing), so rental_history_activity excluded from scoring."
],
"score_method": "mean_of_criteria",
"overall_score": 23.0,
"rubric_version": "ns_2026_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6173242604"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.