Property ID: 6204519857
5909 Maple St, Charlotte, NC, 28269
Charlotte, NC
Money Down: $63,240
CoC Return: -4.82%
Monthly Cash Flow: $-254
Est. Final ARV: $270,250
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$52,700
Closing Costs
$10,540
Total Down
$63,240
Investment Snapshot
Purchase Price
$263,500
Money Down
$63,240
Cash-on-Cash Return
-4.82%
Rent
$1,482
Monthly Cash Flow
$-254
Annual Cash Flow
$-3,045
Debt Service / Mo
$1,402
Property Tax / Mo
$122
Insurance / Mo
$64
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,482
Payment Standard
$1,778
Rent
$1,482
Insurance
$64
Property Tax
$122
Management
$148
Utilities Allowance
$296
NOI (Monthly)
$1,149
Debt Service
$1,402
Cash Flow After Debt
$-254
Quality Score: 79.30%
Confidence: 95.00%
This 1937 single-family home has been extensively remodeled inside and presents as largely move-in ready for HCV tenancy. Interior finishes, appliances, and fixtures are new; exterior siding, porch and deck appear sound. The most likely inspection items to verify are working smoke/CO detectors, GFCI protection in kitchen/bath, electrical panel condition, water heater presence/operation, and a close inspection of a weathered wood trim area at the front porch. Assuming systems check out (electrical panel, hot water, HVAC operation), the property is likely to pass an initial HCV/NSPIRE inspection with only minor repairs or verifications required.
Section 8 Payment Standard
$1,778
Utility Allowance Total
$296
Guaranteed Section 8 Rent (PS - Utilities)
$1,482
Property Management
$148
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$263,500
Beds
2
Baths
1.5
Living Area
1,081 sqft
Lot Size
19,602 sqft
Year Built
1937
Days on Market
25
Capital Outlay
$63,240
Debt Service
$1,402
Property Tax / Mo
$122
Insurance / Mo
$64
Property Description
About this home 5909 Maple St is a 1,100 square foot house on a 0.45 of an acre lot with 2 bedrooms and 1 and 1/2 bathroom. Single-family built in 1937. Has been completely remodeled on the inside. It has: New deck 17 and 1/2 by 12 ft New front porch railing and stairs New door air trim seal New tile backslash Completely repainted on the inside. Repainted custom built cabinets New plumbing under sinks and in bathrooms and shower. New shower light New sink facets in kitchen and bathrooms New bathroom sink New kitchen sink New garbage disposal New microwave over built in stove. New granite countertops New flooring throughout house New fans in living room and bedrooms New lights in kitchen and porch New Toilets New flooring vent covers New kitchen and bathroom hardware New tile backslash Washer and Dryer Refrigerator All new door knobs on all doors All new electrical outlets Beautiful 2 Bedroom House completely remolded with Large Yard. No HOA to deal with. This home is move in ready. It is in quiet Neighborhood with large Trees. It has 2 Containers that are 10X20 which can stay or be removed, It will be the buyers Choice. Don't miss out on the exceptional home. Please see 360 View on Zillow. Motivated Seller.
Utility Allowances
air_conditioning
$16
Property has 'Central Air' listed under cooling features.
cooking
$9
Selected 'electric' option as property details list 'Electric Range' and 'Electric Oven'.
gas_service_fee
$11
Property uses natural gas for heating, which incurs a service fee.
heating
$71
Selected 'natural_gas' option as property details specify 'Natural Gas' for heating.
other_electric
$65
Standard allowance for general electricity usage (lights, outlets, etc.).
sewer
$76
Property details specify 'Public Sewer'.
water
$24
Property details specify water source is 'City'.
water_heating
$24
Selected 'electric' option as property details list 'Electric Water Heater'.
Source References
Payment Standard Source
Effective Date:
Jul 01, 2025
Utility Allowance Source
Effective Date:
Feb 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$687
DP3 Annual Estimate$837
DP1 Monthly Equivalent$57
DP3 Monthly Equivalent$70
Replacement Value$101,500
Basis1,081 sqft / 1937
Nearby Houses
Photo unavailable
5914 Maple St Unit 43
sold · 0.03 mi
Price: $143,990
4 bd / 3 ba · 1,709 sqft
Latest sale: $143,990 on Apr 30, 2018
Latest rent: —
Photo unavailable
5910 Maple St Unit 43
sold · 0.03 mi
Price: $149,490
3 bd / 3 ba · 1,805 sqft
Latest sale: $149,490 on Jun 08, 2018
Latest rent: —
Photo unavailable
5922 Maple St Unit 42
sold · 0.04 mi
Price: $147,990
3 bd / 3 ba · 1,805 sqft
Latest sale: $147,990 on Apr 30, 2018
Latest rent: —
Photo unavailable
5906 Peach St
sold · 0.04 mi
Price: $170,000
3 bd / 2 ba · 1,531 sqft
Latest sale: $170,000 on Aug 09, 2019
Latest rent: —
Photo unavailable
5927 Maple St
sold · 0.04 mi
Price: $139,999
3 bd / 2 ba · 1,261 sqft
Latest sale: $139,999 on Jul 08, 2019
Latest rent: —
Photo unavailable
5900 Peach St
sold · 0.04 mi
Price: $265,000
2 bd / 2 ba · 1,060 sqft
Latest sale: $265,000 on Jan 16, 2026
Latest rent: —
Photo unavailable
5918 Maple St Unit 42B
sold · 0.05 mi
Price: $136,990
4 bd / 3 ba · 1,601 sqft
Latest sale: $136,990 on Jul 10, 2018
Latest rent: —
Photo unavailable
5930 Maple St Unit 41
sold · 0.05 mi
Price: $138,490
3 bd / 3 ba · 1,507 sqft
Latest sale: $138,490 on Apr 30, 2018
Latest rent: —
Photo unavailable
5920 Peach St
sold · 0.05 mi
Price: $166,000
2 bd / 2 ba · 1,444 sqft
Latest sale: $166,000 on Oct 13, 2020
Latest rent: —
Photo unavailable
5926 Maple St Unit 41B
sold · 0.06 mi
Price: $144,990
4 bd / 3 ba · 1,709 sqft
Latest sale: $144,990 on Jun 14, 2018
Latest rent: —
Photo unavailable
5935 Maple St
sold · 0.06 mi
Price: $135,000
2 bd / 2 ba · 1,107 sqft
Latest sale: $135,000 on Feb 04, 2020
Latest rent: —
Photo unavailable
2517 Plum St
for_sale · 0.06 mi
Price: $327,950
3 bd / 2 ba · 1,335 sqft
Latest sale: $63,000 on Jun 05, 2018
Latest rent: —
Photo unavailable
2535 Plum St
sold · 0.07 mi
Price: $260,000
3 bd / 2 ba · 1,008 sqft
Latest sale: $260,000 on Aug 16, 2022
Latest rent: $900 on Aug 22, 2015
Photo unavailable
5811 Hewitt Dr
sold · 0.08 mi
Price: $265,000
4 bd / 3 ba · 1,680 sqft
Latest sale: $265,000 on Apr 20, 2021
Latest rent: —
Photo unavailable
5917 Peach St
sold · 0.08 mi
Price: $148,000
2 bd / 2 ba · 1,052 sqft
Latest sale: $148,000 on Apr 03, 2025
Latest rent: $1,450 on Jan 08, 2026
Photo unavailable
5819 Hewitt Dr
sold · 0.08 mi
Price: $376,500
3 bd / 3 ba · 1,507 sqft
Latest sale: $376,500 on Jun 24, 2022
Latest rent: $1,849 on Oct 14, 2025
Photo unavailable
5823 Hewitt Dr
sold · 0.08 mi
Price: $285,000
4 bd / 3 ba · 1,630 sqft
Latest sale: $285,000
Latest rent: —
Photo unavailable
5831 Hewitt Dr
sold · 0.09 mi
Price: $250,000
4 bd / 3 ba · 2,005 sqft
Latest sale: $250,000
Latest rent: —
Properties Used for Comps
Photo unavailable
5900 Peach St, Charlotte, NC, 28269
sold
Price: $265,000
Rent: —
2 bd / 2 ba · 1,060 sqft
Sale Date: Jan 16, 2026
Distance: 0.04 mi
View listing
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing is accurate: appliances (range, microwave, dishwasher, refrigerator, washer/dryer) and new plumbing fixtures are present and operational.
- New electrical outlets referenced in listing include required GFCI protection in kitchen/bath or will be installed prior to lease.
- Interior repainting removed or covered any loose/peeling lead-based paint and no peeling paint hazards remain (lead hazard not visually evident).
- HVAC system and water heater are present and operational though not pictured in detail; absence of visible heating equipment is not assumed to mean lack of heating.
- Bedroom windows meet egress size/height requirements or will be verified and corrected if necessary.
- Front porch ledger/trim wear is cosmetic or localized and does not indicate structural sagging of the porch/deck.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,417 | $162,000 | $162,000 |
| 2024 | $1,380 | $162,000 | $162,000 |
| 2023 | $1,327 | $162,000 | $162,000 |
| 2022 | $946 | $85,100 | $85,100 |
| 2021 | $935 | $85,100 | $85,100 |
| 2020 | $928 | $85,100 | $85,100 |
| 2018 | $1,088 | $77,400 | $77,400 |
| 2017 | $1,064 | $77,400 | $77,400 |
| 2016 | $1,055 | $77,400 | $77,400 |
| 2015 | $1,043 | $77,400 | $77,400 |
| 2014 | $1,056 | $77,400 | $77,400 |
| 2013 | $1,056 | $77,400 | $77,400 |
| 2012 | $1,013 | $78,300 | $78,300 |
| 2011 | $1,041 | $78,300 | $78,300 |
| 2010 | $1,084 | $79,000 | $79,000 |
| 2009 | $1,084 | $79,000 | $79,000 |
| 2008 | $1,084 | $79,000 | $79,000 |
| 2007 | $1,081 | $79,000 | $79,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-01-31 | Sold | $70,000 |
Photo Gallery
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"description": "This home is professionally managed by Tricon, dedicated to creating exceptional rental experiences. Featuring 3 bedrooms, 2.5 bathrooms, and approximately 1,507 square feet, this well-maintained home offers a high standard of rental living, supported by a team that puts residents first. As a Tricon resident, you'll enjoy access to Tricon Vantage a program designed to support your rental journey. Benefits include: (i) Our industry-first Resident Bill of Rights (outlining our commitment to an exceptional rental experience), (ii) free positive credit reporting, and (iii) up to $5,000 in down payment assistance after five years of residency. Tricon is proud to offer homes where residents feel supported every step of the way.\n\n - Please beware of leasing fraud! If someone other than an official Tricon Residential leasing agent attempts to rent you a home that is owned and professionally managed by Tricon Residential, please call our Fraud Prevention Hotline at 877.241.\n - This home may be in a community that has rental registration requirements. If so, please note that your move-in date may be delayed pending rental registration approval. Please consult with your leasing agent for more details.\n - There is an application fee of $55 (or less depending on the state) per occupant aged 18 or older. Completed applications are considered on a \"first-come, first-served\" basis. There is a holding deposit of $250 per home, which is credited to the approved applicant's first month's rent after move-in, refunded if the application is denied, or forfeited if the move-in is canceled by an approved applicant. Approved applicants are required to execute a Lease Agreement and submit the full security deposit within 48 hours after approval of the Lease. The Lease start date must be within 10 days after approval (certain exceptions may apply at Tricon Single-Family Rental Communities). This requirement is applicable even if an approved applicant has not seen the inside of the home. Tricon Residential is proud to be an Equal Opportunity Housing Provider.\n - Minimum lease term is one-year (13 mos. for homes in California). We collect a security deposit equal to one month's rent for all new leases. Resident pays for all utilities including trash, sewer, and water.\n - For homes with an available lease term greater than 18 months, a 3% annual base rent escalation will apply.\n - Tricon is a pet-friendly housing provider. We accept most dogs, cats, birds, small caged mammals and fish. However, pets often have an impact on our homes which causes excessive wear and tear. 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{
"summary": "This 1937 single-family home has been extensively remodeled inside and presents as largely move-in ready for HCV tenancy. Interior finishes, appliances, and fixtures are new; exterior siding, porch and deck appear sound. The most likely inspection items to verify are working smoke/CO detectors, GFCI protection in kitchen/bath, electrical panel condition, water heater presence/operation, and a close inspection of a weathered wood trim area at the front porch. Assuming systems check out (electrical panel, hot water, HVAC operation), the property is likely to pass an initial HCV/NSPIRE inspection with only minor repairs or verifications required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Listing and photos show a full interior remodel: new flooring throughout, freshly painted walls and cabinets, new countertops, tile backsplash, new sinks/faucets, new toilets, new light fixtures and ceiling fans. Major appliances (range, microwave, dishwasher, refrigerator, washer/dryer) are present per listing/photos. Exterior porch and deck railings and decking look recently replaced. Visible deferred items are limited to weathered wood trim at the top of the brick porch skirt (possible surface rot/peeling finish) and minor yard cleanup. No evidence of collapsed ceilings, exposed subfloor, or major interior finish failure. Missing appliances would have only moderately reduced the score, but they are present."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 78.0,
"rationale": "No obvious life-threatening hazards visible. Exterior entry door appears to have a secure latch and likely deadbolt. No exposed wiring seen in photos. Kitchen shows multiple receptacles; at least one outlet is visible near sink locations (GFCI not clearly identifiable in photos). A round ceiling mounted alarm-like device is visible in interior photos (likely a smoke detector), but carbon monoxide alarm is not visible. Egress windows in bedrooms are present in photos but dimensions/egress compliance not verifiable. Porch and stairs have handrails and guards present. No visible active leaks, mold staining, or major foundation cracks. Because the home was built in 1937 there is theoretical lead-paint risk, but interior has been repainted and shows no peeling paint. Recommend verifier check for working smoke detectors on each floor, GFCI protection in kitchen/bath, presence of CO alarm per local code, and bedroom egress dimensions."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 75.0,
"rationale": "HVAC condenser is visible at exterior and appears installed and intact. Listing states new plumbing under sinks and in bathrooms and shower; kitchen shows dishwasher and garbage disposal installed. Water heater and electrical service/panel are not photographed so their condition cannot be confirmed. Roof shingles appear serviceable from photos with no visible sagging or active leaks, though shingles are not new and should be inspected for remaining service life. Electrical panel and grounding, hot water availability, and furnace/AC operational testing are recommended. No visible evidence of systemic plumbing or electrical hazards from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Siding and brick foundation look in good condition; foundation vents present. Lot is large and generally level; walkways appear intact. New rear deck and front porch are present; railings and stairs have been replaced. Two large storage containers are on site per listing — seller indicates they may be removed. Minor landscaping needed and there is some weathering on the wood trim/ledger above the brick skirt on the front porch that should be repaired to prevent future rot/pest entry. No signs of standing water, severe erosion, or significant exterior neglect visible in photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing is accurate: appliances (range, microwave, dishwasher, refrigerator, washer/dryer) and new plumbing fixtures are present and operational.",
"New electrical outlets referenced in listing include required GFCI protection in kitchen/bath or will be installed prior to lease.",
"Interior repainting removed or covered any loose/peeling lead-based paint and no peeling paint hazards remain (lead hazard not visually evident).",
"HVAC system and water heater are present and operational though not pictured in detail; absence of visible heating equipment is not assumed to mean lack of heating.",
"Bedroom windows meet egress size/height requirements or will be verified and corrected if necessary.",
"Front porch ledger/trim wear is cosmetic or localized and does not indicate structural sagging of the porch/deck."
],
"overall_score": 80.0,
"rubric_version": "ns-p-hcv-v1"
},
{
"summary": "Overall this single-story 2BR/1.5BA home appears largely turnkey for a Housing Choice Voucher placement after verification of a few code items. The interior was remodeled with new finishes and appliances; exterior and HVAC are present and appear serviceable. Primary inspection risks that need quick verification/repair before an NSPIRE/HCV inspection are: GFCI protection at kitchen/bath outlets, presence/install of carbon monoxide alarm (if required), a secure deadbolt on the entry door, and addressing the weathered front porch fascia/trim. If those items are corrected/verified, the property is likely to pass initial inspection with minor repairs and be rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Listing and photos show a full interior remodel: new flooring, painted walls/cabinets, new countertops, new fixtures, new appliances (fridge, washer/dryer, microwave, disposal), new toilets and vent covers. Kitchen and living areas look finished and clean. Exterior railings, new front porch stairs and new deck are installed. Visible minor deferred maintenance: front porch fascia/trim along the top of the brick foundation shows weathering/peeling and may need localized repair or finish. No signs of major interior damage in photos. Missing interior photos of bathrooms/bedrooms limit confirmation but listing states new plumbing and fixtures."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 78.0,
"rationale": "Visible positive items: ceiling-mounted smoke detector visible in living area, solid porch railings and stair rail present, no exposed wiring visible in photos, windows present for egress on main level, exterior HVAC unit present. Concerns: no carbon monoxide alarm visible in photos (may be required depending on fuel appliances and local code), GFCI protection at kitchen sink/outlets is not clearly visible (photos show standard outlets), deadbolt on primary entry not shown, electrical panel location and condition not provided, water heater not visible to confirm hot water. Listing claims new electrical outlets and plumbing which reduces risk, but missing verification of GFCI/CO/deadbolt keeps some inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Exterior photo shows a modern forced-air HVAC condenser unit on a pad (heating likely present). Kitchen shows modern appliances including a dishwasher and disposal; listing states new plumbing under sinks and in bathrooms. Roof shingles appear intact from photos with no visible sagging or active leaks. Unknowns: water heater and electrical service/panel not pictured, no documentation of system ages or permits. Given the broad interior remodel and visible HVAC, assume systems are functional but require routine verification (service records or functional testing)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Vinyl siding and brick foundation appear intact; crawl vents visible. Lot is large, level, and free of standing water in photos. New deck and porch railings present. There are two 10x20 storage containers on the lot (listing says owner may remove) which could affect yard use or aesthetics but are not a safety failure. Minor exterior concerns: front porch fascia/trim shows weathering and some wood deterioration at the top edge above the brick foundation that should be repaired/finished to prevent further decay."
}
],
"red_flags": [
"Localized weathering/possible rot at front porch fascia/ledger adjacent to brick foundation visible in photos — recommend repair to prevent further decay and to ensure railing ledger security.",
"No carbon monoxide alarm visible in photos — if heating or a gas appliance is present a CO alarm is required by many local codes/NSPIRE.",
"GFCI protection at kitchen sink/outlets is not clearly visible — lack of GFCI could fail NSPIRE in kitchen/bath areas."
],
"confidence": 0.65,
"assumptions": [
"Listing text is accurate about new plumbing, new electrical outlets, new toilets, and included appliances (washer/dryer/refrigerator).",
"Heating is provided by the visible exterior HVAC condenser and is functional; the system has not been visually confirmed inside.",
"There is a functional water heater on the property (not pictured) and hot water is available.",
"Bedroom windows meet egress requirements for a single-story house (windows visible but sizes not measured).",
"No active roof leaks or interior ceiling damage exist beyond what is visible in exterior photos.",
"Electrical panel and service are intact and up to local code (panel not shown).",
"Storage containers shown are optional and can be removed prior to inspection if needed."
],
"overall_score": 80.0,
"rubric_version": "nsPIRE-v1.0-2026-03"
},
{
"summary": "Overall this property is close to turnkey for a Housing Choice Voucher move-in. Interior renovations are comprehensive and photos show clean, new finishes and functioning appliances. Exterior and major systems show no visible life-safety failures: there is an installed HVAC unit, intact rooflines, and a solid brick pier foundation. Expected items to verify and correct before an HCV/NSPIRE inspection: presence/operation of carbon monoxide alarm (if required), GFCI protection in kitchen/bath, working hot water, existence of properly located smoke detectors in sleeping areas, and presence of a secure deadbolt on the entry. Minor exterior trim repair and removal/placement of shipping containers should be addressed. With verification/installation of those items this house is likely to pass an initial HCV inspection with only minor, short-turnaround work required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 85.0,
"rationale": "Interior appears fully remodeled: new flooring, painted walls, new cabinets, granite counters, new appliances (stated fridge, washer/dryer, microwave, disposal), new fixtures and vent covers — photos corroborate. Exterior porch decking and railings look newly installed. Visible deferred maintenance is minor: weathered/peeling trim/board at the top of the brick pier on the front porch (photo 1) that likely needs replacement/paint. No evidence of collapsed finishes, exposed subfloor, or major cosmetic failure. Missing items that are non-critical (e.g., minor trim repairs) are inexpensive to remedy."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 72.0,
"rationale": "A ceiling-mounted smoke detector is visible in the living space (photo). No obvious exposed wiring, loose handrails, missing guardrails (porch rail exists), or trip hazards visible. Exterior foundation vents present. Items that require verification or installation before inspection: presence/function of carbon-monoxide alarm (not visible), GFCI protection at kitchen outlets (outlets visible but GFCI reset/test buttons not clearly visible in photos), verification of working hot water and plumbing fixtures (listing states new plumbing), and presence of a keyed deadbolt on entry doors (not clearly visible). Bedroom egress windows not shown in photos; assume typical windows but must be verified. These unknowns lower the score because they are common immediate fail items if absent."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Roof, Electrical, Plumbing)",
"score": 75.0,
"rationale": "Exterior HVAC condensing unit is present and appears recently installed or in good condition (photo 3). Roof shingles appear intact without visible sagging or active leaks in photos, though roof is older in style; no signs of collapsed ceilings inside. Listing notes new plumbing under sinks and new fixtures; kitchen appliances installed. Electrical panel and water heater are not shown — electrical outlets have been updated per listing and visible receptacles look new, but panel condition and hot water heater condition are unverified. Given visible HVAC and renovated interior systems, major system failure risk appears moderate-low but needs verification (water heater, electrical panel labeling, HVAC operational test)."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 78.0,
"rationale": "Siding appears sound and uniformly installed; brick foundation looks intact and vented. Large, level yard and new back deck and front porch rail/stairs are positive for tenant use. Some minor concerns: front porch fascia/trim shows weathering/peeling (cosmetic/possible localized rot) and there are two large shipping containers on the lot per listing (seller says they can be removed) which could be an obstruction or trip/egress/landlord-liability issue if left in place. Landscaping has shrubs close to foundation (maintenance recommended). Overall exterior is in good condition with a few small repairs or removals recommended."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statements (new plumbing, new toilets, new electrical outlets, included washer/dryer and refrigerator, new fixtures) are accurate and reflect recent work.",
"Bedrooms have standard egress windows typical for a 1937 single-family but these specific windows were not photographed and must be verified.",
"HVAC unit is operational though only the exterior condenser is visible; no evidence of lack of heating/cooling was observed.",
"Water heater and electrical panel exist and are functional though not shown; their condition is assumed adequate pending verification.",
"No active roof leaks or interior water damage beyond what is visible in photos; interior ceilings look intact.",
"Front door condition (including presence of a deadbolt) is not clearly visible; assume at minimum a knob lock is present and deadbolt may need verification/installation."
],
"overall_score": 78.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5909 Maple St, Charlotte, NC, 28269",
"aggregate": {
"summary": "This 1937 single-family home has been extensively remodeled inside and presents as largely move-in ready for HCV tenancy. Interior finishes, appliances, and fixtures are new; exterior siding, porch and deck appear sound. The most likely inspection items to verify are working smoke/CO detectors, GFCI protection in kitchen/bath, electrical panel condition, water heater presence/operation, and a close inspection of a weathered wood trim area at the front porch. Assuming systems check out (electrical panel, hot water, HVAC operation), the property is likely to pass an initial HCV/NSPIRE inspection with only minor repairs or verifications required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Listing and photos show a full interior remodel: new flooring throughout, freshly painted walls and cabinets, new countertops, tile backsplash, new sinks/faucets, new toilets, new light fixtures and ceiling fans. Major appliances (range, microwave, dishwasher, refrigerator, washer/dryer) are present per listing/photos. Exterior porch and deck railings and decking look recently replaced. Visible deferred items are limited to weathered wood trim at the top of the brick porch skirt (possible surface rot/peeling finish) and minor yard cleanup. No evidence of collapsed ceilings, exposed subfloor, or major interior finish failure. Missing appliances would have only moderately reduced the score, but they are present."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 79.3,
"rationale": "Siding and brick foundation look in good condition; foundation vents present. Lot is large and generally level; walkways appear intact. New rear deck and front porch are present; railings and stairs have been replaced. Two large storage containers are on site per listing — seller indicates they may be removed. Minor landscaping needed and there is some weathering on the wood trim/ledger above the brick skirt on the front porch that should be repaired to prevent future rot/pest entry. No signs of standing water, severe erosion, or significant exterior neglect visible in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 76.0,
"rationale": "No obvious life-threatening hazards visible. Exterior entry door appears to have a secure latch and likely deadbolt. No exposed wiring seen in photos. Kitchen shows multiple receptacles; at least one outlet is visible near sink locations (GFCI not clearly identifiable in photos). A round ceiling mounted alarm-like device is visible in interior photos (likely a smoke detector), but carbon monoxide alarm is not visible. Egress windows in bedrooms are present in photos but dimensions/egress compliance not verifiable. Porch and stairs have handrails and guards present. No visible active leaks, mold staining, or major foundation cracks. Because the home was built in 1937 there is theoretical lead-paint risk, but interior has been repainted and shows no peeling paint. Recommend verifier check for working smoke detectors on each floor, GFCI protection in kitchen/bath, presence of CO alarm per local code, and bedroom egress dimensions."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 75.0,
"rationale": "HVAC condenser is visible at exterior and appears installed and intact. Listing states new plumbing under sinks and in bathrooms and shower; kitchen shows dishwasher and garbage disposal installed. Water heater and electrical service/panel are not photographed so their condition cannot be confirmed. Roof shingles appear serviceable from photos with no visible sagging or active leaks, though shingles are not new and should be inspected for remaining service life. Electrical panel and grounding, hot water availability, and furnace/AC operational testing are recommended. No visible evidence of systemic plumbing or electrical hazards from photos."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing is accurate: appliances (range, microwave, dishwasher, refrigerator, washer/dryer) and new plumbing fixtures are present and operational.",
"New electrical outlets referenced in listing include required GFCI protection in kitchen/bath or will be installed prior to lease.",
"Interior repainting removed or covered any loose/peeling lead-based paint and no peeling paint hazards remain (lead hazard not visually evident).",
"HVAC system and water heater are present and operational though not pictured in detail; absence of visible heating equipment is not assumed to mean lack of heating.",
"Bedroom windows meet egress size/height requirements or will be verified and corrected if necessary.",
"Front porch ledger/trim wear is cosmetic or localized and does not indicate structural sagging of the porch/deck."
],
"score_method": "mean_of_criteria",
"overall_score": 79.3,
"rubric_version": "ns-p-hcv-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6204519857"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.