Property ID: 6373978398
209 Williams Dr, Black Creek, NC, 27813
Black Creek, NC
Money Down: $31,176
CoC Return: -1.58%
Monthly Cash Flow: $-41
Est. Final ARV: $178,871
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,980
Closing Costs
$5,196
Total Down
$31,176
Investment Snapshot
Purchase Price
$129,900
Money Down
$31,176
Cash-on-Cash Return
-1.58%
Rent
$901
Monthly Cash Flow
$-41
Annual Cash Flow
$-493
Debt Service / Mo
$691
Property Tax / Mo
$65
Insurance / Mo
$95
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$901
Payment Standard
$1,378
Rent
$901
Insurance
$95
Property Tax
$65
Management
$90
Utilities Allowance
$477
NOI (Monthly)
$650
Debt Service
$691
Cash Flow After Debt
$-41
Quality Score: 64.20%
Confidence: 94.00%
This 1969 brick ranch presents as a structurally intact property with cosmetic deferred maintenance and older systems. It is likely to pass a Housing Choice Voucher initial inspection after a focused scope of work: install/verify CO detectors, add GFCI protection at kitchen and bathroom outlets, confirm safe operation/venting of the wall heater (and service/replace if needed), perform basic electrical safety checks, replace or repair stained carpeting/flooring, and clean/paint interiors. The most probable inspection deficiencies are missing CO detector and missing GFCI outlets; no immediate evidence of major structural or life-threatening hazards was observed from photos. Expect moderate work (30 days typical) to reach inspection-ready condition unless hidden system problems are discovered during in-person inspection.
Section 8 Payment Standard
$1,378
Utility Allowance Total
$477
Guaranteed Section 8 Rent (PS - Utilities)
$901
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,900
Beds
3
Baths
1.5
Living Area
1,073 sqft
Lot Size
13,504 sqft
Year Built
1969
Days on Market
24
Capital Outlay
$31,176
Debt Service
$691
Property Tax / Mo
$65
Insurance / Mo
$95
Property Description
Discover the potential in this brick ranch in Black Creek, offering a flexible opportunity for those looking to renovate, invest, or create a space tailored to their needs. Set on a spacious lot, this three-bedroom, one-and-a-half-bath home provides a functional layout with solid bones and room for updates that can enhance both comfort and style. The main living areas offer a practical flow for everyday living, while the screened-in back porch extends the space for relaxing or enjoying the outdoors. The fenced backyard adds privacy and usability, complemented by multiple storage options including detached buildings with an additional carport, ideal for hobbies, equipment, or workspace needs. An attached single-car carport along with a second attached carport provides covered parking and convenience. With its combination of space, structure, and versatility, this property presents a strong opportunity for renovation, rental potential, or resale, and is being sold as-is.
Utility Allowances
Air Conditioning
$24
For landlord-provided central air conditioning system.
Cooking
$10
Selected 'Electric' option as property details list an 'Electric Range'.
Gas Fee
$0
Not applicable as this is a fee for natural gas service, and the property uses propane.
Heating
$135
Selected 'Bottled Gas' as property details specify 'Propane' for heating.
Other Electric
$65
Standard allowance for general electricity use, such as lights and outlets.
Range/Microwave
$12
Included for a tenant-owned microwave as one is not explicitly listed as provided.
Refrigerator
$13
Allowance for the electricity cost to run the refrigerator.
Sewer
$73
Property details indicate connection to 'Public Sewer'.
Trash Collection
$3
Standard allowance for municipal trash collection service.
Water
$76
Property details indicate connection to a 'Public' water source.
Water Heating
$66
Selected 'Bottled Gas' (Propane) as it is the fuel source for other appliances.
Source References
Payment Standard Source
Effective Date:
Jun 12, 2025
Utility Allowance Source
Effective Date:
Jun 12, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$875
DP3 Annual Estimate$1,415
DP1 Monthly Equivalent$73
DP3 Monthly Equivalent$118
Replacement Value$102,629
Basis1,073 sqft / 1969
Nearby Houses
Photo unavailable
206 Williams Dr
sold · 0.05 mi
Price: $50,000
3 bd / 2 ba · 1,080 sqft
Latest sale: $50,000
Latest rent: —
Photo unavailable
207 Branch St
sold · 0.09 mi
Price: $160,000
3 bd / 2 ba · 1,154 sqft
Latest sale: $160,000 on Feb 04, 2026
Latest rent: —
Photo unavailable
205 Branch St
sold · 0.10 mi
Price: $51,500
3 bd / 2 ba · 1,130 sqft
Latest sale: $51,500 on Apr 02, 2018
Latest rent: —
Photo unavailable
220 Branch St
sold · 0.11 mi
Price: $78,900
3 bd / 2 ba · 1,020 sqft
Latest sale: $78,900 on Mar 18, 2019
Latest rent: —
Photo unavailable
219 Branch St
sold · 0.12 mi
Price: $35,000
3 bd / 1 ba · 1,076 sqft
Latest sale: $35,000 on Sep 29, 2016
Latest rent: —
Photo unavailable
225 Branch St
sold · 0.16 mi
Price: $160,500
3 bd / 2 ba · 1,134 sqft
Latest sale: $160,500 on Sep 09, 2021
Latest rent: —
Properties Used for Comps
Photo unavailable
5008 Mill Branch Dr, Wilson, NC, 27893
sold
Price: $216,000
Rent: —
3 bd / 2 ba · 1,214 sqft
Sale Date: Apr 22, 2025
Distance: 0.44 mi
View listing
Photo unavailable
304 Branch St, Black Creek, NC, 27813
sold
Price: $177,000
Rent: —
3 bd / 1 ba · 1,016 sqft
Sale Date: Jul 16, 2025
Distance: 0.19 mi
View listing
Photo unavailable
5013 Mill Branch Dr, Wilson, NC, 27893
sold
Price: $185,000
Rent: —
3 bd / 2 ba · 1,051 sqft
Sale Date: Dec 02, 2025
Distance: 0.40 mi
View listing
Photo unavailable
207 Branch St, Black Creek, NC, 27813
sold
Price: $160,000
Rent: —
3 bd / 1.5 ba · 1,154 sqft
Sale Date: Feb 04, 2026
Distance: 0.09 mi
View listing
Risk and Criteria Detail
Red Flags
- success
- No visible carbon-monoxide detector — property likely has fuel-burning appliances/propane on site (CO detector required).
- No obvious GFCI-protected outlets in kitchen and bathroom photos — likely NSPIRE deficiency.
- Older wall-mounted gas/propane heater and external propane tank create a potential CO/venting risk until verified by a licensed technician.
- House built 1969 — potential for lead-based paint hazards; any peeling or disturbed paint will require remediation per HUD rules.
Assumptions
- Photos are representative of entire unit condition (no unseen rooms with severe damage).
- Appliances pictured (stove, refrigerator, dishwasher) are included and functional or can be made functional with minor service.
- The wall-mounted heater is fuel-burning (propane or natural gas) because an exterior propane tank is visible; exact fuel type and venting are unknown.
- Electrical panel, water heater, and roof condition are not visible in the provided photos; judged by exterior/visible interior condition and typical systems for a 1969 home.
- Bedrooms have compliant egress windows based on visible double-hung windows in photos (exact measurements not confirmed).
- No evidence of active roof leaks, major foundation movement, or hidden mold was visible in photos; a full inspection could reveal latent issues.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $759 | $127,629 | $127,629 |
| 2024 | $1,429 | $127,629 | $127,629 |
| 2021 | $904 | $65,326 | $65,326 |
| 2020 | $603 | $65,326 | $65,326 |
| 2019 | $904 | $65,326 | $65,326 |
| 2018 | $904 | $65,326 | $65,326 |
| 2017 | $904 | $65,326 | $65,326 |
| 2016 | $904 | $65,326 | $65,326 |
| 2015 | $1,009 | $75,900 | $75,900 |
| 2014 | $1,009 | $75,900 | $75,900 |
| 2013 | $1,009 | $75,900 | $75,900 |
| 2012 | $1,009 | $75,900 | $75,900 |
| 2011 | $1,009 | — | $75,900 |
| 2010 | $1,009 | — | $75,900 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-19 | Listed | $129,900 |
| 2026-03-19 | Listed | $129,900 |
Photo Gallery
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"rent_price": 901.0,
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"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 129900.0,
"loan_term_years": 30,
"annual_cash_flow": 7804.03,
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"_utility_allowance": {
"sources": [
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"effective_date": "2025-06-12"
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{
"note": "For landlord-provided central air conditioning system.",
"utility": "Air Conditioning",
"allowance": 24
},
{
"note": "Selected 'Electric' option as property details list an 'Electric Range'.",
"utility": "Cooking",
"allowance": 10
},
{
"note": "Not applicable as this is a fee for natural gas service, and the property uses propane.",
"utility": "Gas Fee",
"allowance": 0
},
{
"note": "Selected 'Bottled Gas' as property details specify 'Propane' for heating.",
"utility": "Heating",
"allowance": 135
},
{
"note": "Standard allowance for general electricity use, such as lights and outlets.",
"utility": "Other Electric",
"allowance": 65
},
{
"note": "Included for a tenant-owned microwave as one is not explicitly listed as provided.",
"utility": "Range/Microwave",
"allowance": 12
},
{
"note": "Allowance for the electricity cost to run the refrigerator.",
"utility": "Refrigerator",
"allowance": 13
},
{
"note": "Property details indicate connection to 'Public Sewer'.",
"utility": "Sewer",
"allowance": 73
},
{
"note": "Standard allowance for municipal trash collection service.",
"utility": "Trash Collection",
"allowance": 3
},
{
"note": "Property details indicate connection to a 'Public' water source.",
"utility": "Water",
"allowance": 76
},
{
"note": "Selected 'Bottled Gas' (Propane) as it is the fuel source for other appliances.",
"utility": "Water Heating",
"allowance": 66
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 25980.0,
"property_tax_annual": 781.77,
"property_tax_monthly": 65.15,
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"_fetched_payment_standard": {
"sources": [
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"https://www.wilsonha.org/payment-standards"
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"runs": [
{
"summary": "This 1969 brick ranch presents as a structurally intact property with cosmetic deferred maintenance and older systems. It is likely to pass a Housing Choice Voucher initial inspection after a focused scope of work: install/verify CO detectors, add GFCI protection at kitchen and bathroom outlets, confirm safe operation/venting of the wall heater (and service/replace if needed), perform basic electrical safety checks, replace or repair stained carpeting/flooring, and clean/paint interiors. The most probable inspection deficiencies are missing CO detector and missing GFCI outlets; no immediate evidence of major structural or life-threatening hazards was observed from photos. Expect moderate work (30 days typical) to reach inspection-ready condition unless hidden system problems are discovered during in-person inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 65.0,
"rationale": "Interior shows mostly cosmetic deferred maintenance: stained/worn carpeting throughout, dated wall paneling and finishes, scuffed baseboards and areas where carpet backing/edges are exposed. Kitchen and bath fixtures are present but dated; appliances (stove, refrigerator, dishwasher) are shown in photos which reduces the penalty for missing appliances. No visible major structural defects inside (no collapsed ceilings or large cracks). Overall repairs are largely cosmetic and replace/clean/paint work with some carpet/flooring and minor carpentry."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Two ceiling-mounted smoke detectors are visible in the kitchen area, doors and windows appear to provide egress, and entry door has lock hardware. However there is no visible carbon-monoxide detector (property likely has fuel-burning appliances/propane tank visible on site), and GFCI-protected outlets are not evident near the kitchen sink or bathroom sink in photos. The wall-mounted heater and window A/C units are older; their combustion venting/condition is unknown which raises CO and appliance-safety risk. No exposed major wiring or collapsed elements are visible, but missing CO detector and likely lack of GFCI are medium-level NSPIRE failures until corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Major systems are present but older: heating appears to be via a wall-mounted gas/propane heater and supplemental window A/Cs rather than modern central HVAC (photos show wall heater and window units). Kitchen appliances are present. Roof shows no obvious sagging or active leak signs in exterior photos but age is unknown (1969 build). Water heater and electrical panel were not shown. Plumbing fixtures in bathroom and kitchen appear intact with no visible active leaks. Systems will require inspection and likely selective servicing/replacement given age."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 75.0,
"rationale": "Exterior brick shell appears sound with no visible foundation movement or major cracks. Yard is fenced and usable; detached outbuildings and multiple carports provide storage and covered parking. Driveway is gravel but serviceable. Carport roof and supports look aged but standing. No visible standing water, major drainage issues, or infestation evidence in photos."
}
],
"red_flags": [
"No visible carbon-monoxide detector — property likely has fuel-burning appliances/propane on site (CO detector required).",
"No obvious GFCI-protected outlets in kitchen and bathroom photos — likely NSPIRE deficiency.",
"Older wall-mounted gas/propane heater and external propane tank create a potential CO/venting risk until verified by a licensed technician.",
"House built 1969 — potential for lead-based paint hazards; any peeling or disturbed paint will require remediation per HUD rules."
],
"confidence": 0.65,
"assumptions": [
"Photos are representative of entire unit condition (no unseen rooms with severe damage).",
"Appliances pictured (stove, refrigerator, dishwasher) are included and functional or can be made functional with minor service.",
"The wall-mounted heater is fuel-burning (propane or natural gas) because an exterior propane tank is visible; exact fuel type and venting are unknown.",
"Electrical panel, water heater, and roof condition are not visible in the provided photos; judged by exterior/visible interior condition and typical systems for a 1969 home.",
"Bedrooms have compliant egress windows based on visible double-hung windows in photos (exact measurements not confirmed).",
"No evidence of active roof leaks, major foundation movement, or hidden mold was visible in photos; a full inspection could reveal latent issues."
],
"overall_score": 64.0,
"rubric_version": "ns-pv1-2026-03"
},
{
"summary": "Overall this brick ranch presents as structurally sound and is likely rentable after modest repairs and safety upgrades. Primary work needed: carpet replacement or deep cleaning, cosmetic painting, service/testing of existing appliances and mechanicals, installation of GFCI-protected outlets in the kitchen and bathroom, and installation of a carbon monoxide detector. No obvious structural sagging, roof collapse, or standing water was observed in photos. Expect a likely NSPIRE pass after addressing the listed safety/electrical items and completing basic cosmetic/cleaning work (30 days or less if trades scheduled promptly).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior appears structurally intact but dated: stained/soiled carpet throughout, worn finishes, older cabinetry and paneling, cosmetic damage to walls and flooring edges. Kitchen and bath fixtures are present and appear intact; appliances (range, refrigerator, dishwasher) are present but appear older and should be tested. No visible collapsed ceilings, large holes, or exposed subfloor. These are primarily cosmetic/maintenance and appliance-service items likely fixed within a short renovation scope (clean/replace carpet, paint/wall repairs, replace small fixtures)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 60.0,
"rationale": "Smoke detectors are visible on ceiling in main area (positive). Entry door shows two locks (likely deadbolt). Bedrooms have standard windows that likely provide egress. No obvious exposed wiring or loose handrails; steps to front have a railing on one side. Visible risks: no GFCI-style outlets observed at kitchen counters or bathroom sink (likely fail on electrical safety requirement), no carbon-monoxide detector visible (required where combustion appliances or attached garages/space heaters exist), and a through-wall/wall-mounted heater is present in the kitchen area (older appliance that could trigger CO or combustion-safety requirements if gas). No visible active water intrusion or collapsed structure, but carpet staining could indicate past moisture that should be evaluated. Overall a mix of passable items and several code-related corrections before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Roof and brick exterior appear intact with no visible sagging or major failure from exterior photos. Interior shows floor vents and ceiling/return grilles suggesting central HVAC ducts, plus a wall-mounted/heater unit — systems are present but appear older. Appliances and fixtures (stove, fridge, dishwasher, water fixtures, bath/shower) are installed but age unknown; water heater and electrical service panel were not photographed. Because mechanicals are not fully visible, assume service/inspection required; there is moderate risk that equipment is dated and will need service or minor replacement to meet NSPIRE functional requirements."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Brick exterior, foundation and roofline appear straight and sound in photos. Gravel driveway and double carport provide covered parking; detached storage buildings noted in listing. Yard is fenced and generally usable though landscaping is unmaintained. Walkways/steps appear serviceable; no standing water or major drainage issues visible in photos. Minor maintenance and clean-up likely required, but no major exterior structural deficiencies observed."
}
],
"red_flags": [
"No GFCI outlets visibly present at kitchen counters or bathroom sink (likely NSPIRE/electrical fail without correction).",
"No carbon-monoxide detector visible while an older wall-mounted heater and possible gas appliances are present (CO detector required).",
"Stained/soiled carpets in multiple rooms — may indicate past moisture and will require cleaning/replacement and further moisture investigation."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC and water heating exist and are operable or repairable; evidence of duct/vent registers implies central heating/air but unit condition is unknown.",
"Smoke detectors pictured are functional but will need testing and possibly relocation/adding per NSPIRE spacing requirements.",
"No active roof leaks or major hidden water damage beyond some stained carpet areas (no visible ceiling stains were photographed).",
"Electrical service panel is present and intact though it was not photographed; no visible exposed wiring in living spaces.",
"Appliances shown (range, refrigerator, dishwasher) are present but older and will be tested; missing/failed appliances can be replaced without structural work.",
"Because the house was built in 1969, lead-based paint risk exists; no peeling lead paint was visible in photos, but full lead disclosure/testing is required."
],
"overall_score": 66.0,
"rubric_version": "1.0"
},
{
"summary": "Property is a moderate-risk, mostly serviceable brick ranch with dated interior finishes and some code items to verify/upgrade. Appliances present and structure appears sound from photos. Main inspection risks are missing/uncertain GFCI protection, absence of a visible CO alarm while there are fuel-related elements (wall heater/propane), stained carpets with possible hidden moisture, and unverified HVAC/water-heater condition. With targeted safety upgrades (GFCI, CO alarm if needed), carpet/floor replacement, and basic mechanical checks/repairs, the home is likely to pass a Section 8/HCV initial NSPIRE inspection after 2–6 weeks of work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior finishes are dated but largely intact: kitchen cabinets, counters and appliances are present; bathroom fixtures appear functional. Carpets are heavily stained and will need replacement/cleaning; some baseboard / carpet edge gaps visible. Cosmetic repair and cleaning work is required (flooring, paint, trim) but no obvious large-scale structural failures visible in photos. Missing modern updates lower turnkey score but appliances are present which reduces penalty."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "Visible smoke detectors on ceilings (kitchen area). No exposed wiring or collapsed ceilings observed. However, no visible GFCI protection at bathroom or kitchen outlets in photos, and no visible carbon monoxide detector despite a wall heater and an exterior propane tank nearby — both raise NSPIRE/code risk until confirmed. Bedroom windows appear to provide egress, and entry door has a deadbolt. Overall moderate compliance risk pending verification/repairs (install GFCI, CO alarm if required, test smoke detectors)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Major systems not shown directly. Floor registers and ducting visible (suggesting central HVAC), but no exterior HVAC condenser or water heater photos to confirm condition. A wall heater and window AC units are present (indicates mixed heating/cooling sources). Kitchen stove and refrigerator present. Roof appears visually intact from exterior pictures with no visible sagging or active leaks. Given lack of direct evidence for operational HVAC, water heater and electrical panel condition, rate as moderate risk until mechanical inspections confirm functionality."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior brick envelope appears sound with level roofline and intact gutters/soffit area in photos. The lot is large, fenced backyard, detached outbuildings and carports provide usable storage/parking. Gravel driveway and carport structure look serviceable though the carport shows exposed beams and could benefit from minor repair/painting. No visible standing water, major foundation cracks, or severe siding damage in photos."
}
],
"red_flags": [
"No visible GFCI protection at kitchen and bathroom outlets in photos (NSPIRE/code risk).",
"No visible carbon monoxide alarm and presence of a wall heater plus an exterior propane tank nearby — potential CO risk if fuel-burning appliances are present.",
"Heavily stained and worn carpets with possible hidden moisture or odor issues (prepare for replacement and moisture inspection).",
"Mechanical systems (HVAC condenser, water heater, electrical panel) not shown; unknown operability increases inspection risk until verified."
],
"confidence": 0.65,
"assumptions": [
"Photos show the entire kitchen and at least two bedrooms and one full bath; other areas not shown are assumed similar condition unless noted.",
"Central HVAC is assumed present because of visible floor registers, but external condenser and water heater were not photographed and their condition is unknown.",
"The wall-mounted heater in the kitchen is potentially fuel-burning (gas/propane) — exact fuel type and venting not confirmed from photos.",
"No electrical panel or main breaker condition is visible — assumed intact with no obvious exposed wiring in living spaces.",
"Bathroom and kitchen outlets in photos do not show GFCI devices; assume they are standard outlets until proven otherwise.",
"Exterior photos show the roofline is level and shingles appear intact; no active roof leaks are visible in interior photos.",
"Listing is 'as-is' which may indicate deferred maintenance not fully visible in photos."
],
"overall_score": 63.0,
"rubric_version": "2026-03-27-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "209 Williams Dr, Black Creek, NC, 27813",
"aggregate": {
"summary": "This 1969 brick ranch presents as a structurally intact property with cosmetic deferred maintenance and older systems. It is likely to pass a Housing Choice Voucher initial inspection after a focused scope of work: install/verify CO detectors, add GFCI protection at kitchen and bathroom outlets, confirm safe operation/venting of the wall heater (and service/replace if needed), perform basic electrical safety checks, replace or repair stained carpeting/flooring, and clean/paint interiors. The most probable inspection deficiencies are missing CO detector and missing GFCI outlets; no immediate evidence of major structural or life-threatening hazards was observed from photos. Expect moderate work (30 days typical) to reach inspection-ready condition unless hidden system problems are discovered during in-person inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 65.0,
"rationale": "Interior shows mostly cosmetic deferred maintenance: stained/worn carpeting throughout, dated wall paneling and finishes, scuffed baseboards and areas where carpet backing/edges are exposed. Kitchen and bath fixtures are present but dated; appliances (stove, refrigerator, dishwasher) are shown in photos which reduces the penalty for missing appliances. No visible major structural defects inside (no collapsed ceilings or large cracks). Overall repairs are largely cosmetic and replace/clean/paint work with some carpet/flooring and minor carpentry."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 75.0,
"rationale": "Exterior brick shell appears sound with no visible foundation movement or major cracks. Yard is fenced and usable; detached outbuildings and multiple carports provide storage and covered parking. Driveway is gravel but serviceable. Carport roof and supports look aged but standing. No visible standing water, major drainage issues, or infestation evidence in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Two ceiling-mounted smoke detectors are visible in the kitchen area, doors and windows appear to provide egress, and entry door has lock hardware. However there is no visible carbon-monoxide detector (property likely has fuel-burning appliances/propane tank visible on site), and GFCI-protected outlets are not evident near the kitchen sink or bathroom sink in photos. The wall-mounted heater and window A/C units are older; their combustion venting/condition is unknown which raises CO and appliance-safety risk. No exposed major wiring or collapsed elements are visible, but missing CO detector and likely lack of GFCI are medium-level NSPIRE failures until corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Major systems are present but older: heating appears to be via a wall-mounted gas/propane heater and supplemental window A/Cs rather than modern central HVAC (photos show wall heater and window units). Kitchen appliances are present. Roof shows no obvious sagging or active leak signs in exterior photos but age is unknown (1969 build). Water heater and electrical panel were not shown. Plumbing fixtures in bathroom and kitchen appear intact with no visible active leaks. Systems will require inspection and likely selective servicing/replacement given age."
}
],
"red_flags": [
"No visible carbon-monoxide detector — property likely has fuel-burning appliances/propane on site (CO detector required).",
"No obvious GFCI-protected outlets in kitchen and bathroom photos — likely NSPIRE deficiency.",
"Older wall-mounted gas/propane heater and external propane tank create a potential CO/venting risk until verified by a licensed technician.",
"House built 1969 — potential for lead-based paint hazards; any peeling or disturbed paint will require remediation per HUD rules."
],
"confidence": 0.94,
"assumptions": [
"Photos are representative of entire unit condition (no unseen rooms with severe damage).",
"Appliances pictured (stove, refrigerator, dishwasher) are included and functional or can be made functional with minor service.",
"The wall-mounted heater is fuel-burning (propane or natural gas) because an exterior propane tank is visible; exact fuel type and venting are unknown.",
"Electrical panel, water heater, and roof condition are not visible in the provided photos; judged by exterior/visible interior condition and typical systems for a 1969 home.",
"Bedrooms have compliant egress windows based on visible double-hung windows in photos (exact measurements not confirmed).",
"No evidence of active roof leaks, major foundation movement, or hidden mold was visible in photos; a full inspection could reveal latent issues."
],
"score_method": "mean_of_criteria",
"overall_score": 64.2,
"rubric_version": "ns-pv1-2026-03",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6373978398"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.