Property ID: 6412210201
6008 9th St E, Bradenton, FL, 34203
Bradenton, FL
Money Down: $66,000
CoC Return: 8.17%
Monthly Cash Flow: $449
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$55,000
Closing Costs
$11,000
Total Down
$66,000
Investment Snapshot
Purchase Price
$275,000
Money Down
$66,000
Cash-on-Cash Return
8.17%
Rent
$2,462
Monthly Cash Flow
$449
Annual Cash Flow
$5,391
Debt Service / Mo
$1,464
Property Tax / Mo
$177
Insurance / Mo
$126
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,462
Payment Standard
$2,860
Rent
$2,462
Insurance
$126
Property Tax
$177
Management
$246
Utilities Allowance
$398
NOI (Monthly)
$1,913
Debt Service
$1,464
Cash Flow After Debt
$449
Quality Score: 72.10%
Confidence: 95.00%
Overall this 4-bed, 2-bath single-family house appears close to Section 8 / NSPIRE readiness. Major systems (roof, AC, panel) are recently replaced per the listing and photos show no structural distress or active leaks. The property requires mostly minor repairs and safety-device installations (smoke/CO detectors, GFCI outlets) and some cosmetic/site work (driveway repair, door threshold, landscaping). With these corrections and confirmation of working plumbing/hot water, the home is likely to pass an initial HCV inspection within 30 days.
Section 8 Payment Standard
$2,860
Utility Allowance Total
$398
Guaranteed Section 8 Rent (PS - Utilities)
$2,462
Property Management
$246
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$275,000
Beds
4
Baths
2
Living Area
1,612 sqft
Lot Size
7,841 sqft
Year Built
1964
Days on Market
88
Capital Outlay
$66,000
Debt Service
$1,464
Property Tax / Mo
$177
Insurance / Mo
$126
Property Description
Investor Special. This home has 4 bedrooms, 2 bathrooms, fenced back yard, and no lease restrictions. The electrical panel was replaced in 2021, ac in 2018, and the roof in 2016. There is no HOA or CDD in the neighborhood. It is less than 10 minutes to the Sarasota-Bradenton International Airport and close to shopping and restaurants.
Utility Allowances
air_conditioning
$35
Property has Central Air. The allowance is the fixed value for a 4-bedroom unit from the schedule.
cooking
$17
Property has a 'Range'. Electric was chosen as the fuel type, consistent with the electric water heater and regional commonality. The value is for a 4-bedroom unit.
heating
$21
Property has 'Central' heating. Electric was selected as it is common for the area and the more expensive option provided. The value is for a 4-bedroom unit.
medical
$36
A standard baseline allowance for medical equipment included as per the PHA schedule for a 4-bedroom unit.
other_electric
$59
Standard miscellaneous electrical allowance for lighting, fans, and outlets for a 4-bedroom unit.
range_microwave
$6
A microwave is not listed as a provided appliance, so this allowance is included for a tenant-provided unit.
refrigerator
$0
The property listing includes a 'Refrigerator', so no allowance is provided for the tenant.
sewer
$85
Property is connected to 'Public Sewer' as stated in the listing. The allowance is for a 4-bedroom unit.
trash_collection
$21
Standard allowance for municipal trash collection for a single-family home.
water
$57
Property uses 'Public' water as stated in the listing. The allowance is for a 4-bedroom unit.
water_heating
$61
Property has an 'Electric Water Heater' as specified in the listing. The allowance is for a 4-bedroom unit.
Source References
Payment Standard Source
Effective Date:
Apr 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,507
DP3 Annual Estimate$1,507
DP1 Monthly Equivalent$126
DP3 Monthly Equivalent$126
Replacement Value$115,257
Basis1,612 sqft / 1964
Nearby Houses
Photo unavailable
710 60th Ave E
sold · 0.04 mi
Price: $435,000
— bd / — ba · 2,110 sqft
Latest sale: $435,000
Latest rent: —
Photo unavailable
5930 8th Ct E
sold · 0.05 mi
Price: $80,000
3 bd / 2 ba · 960 sqft
Latest sale: $80,000
Latest rent: —
Photo unavailable
6020 9th Street Ct E
sold · 0.06 mi
Price: $215,000
3 bd / 1 ba · 1,128 sqft
Latest sale: $215,000
Latest rent: —
Photo unavailable
702 59th Ter E
sold · 0.07 mi
Price: $303,000
3 bd / 2 ba · 1,026 sqft
Latest sale: $303,000 on Dec 07, 2023
Latest rent: —
Photo unavailable
6028 9th St E
sold · 0.07 mi
Price: $125,000
4 bd / 2 ba · 1,400 sqft
Latest sale: $125,000 on Apr 28, 2016
Latest rent: —
Photo unavailable
6032 9th Street Ct E
sold · 0.08 mi
Price: $245,000
3 bd / 1 ba · 864 sqft
Latest sale: $245,000
Latest rent: —
Photo unavailable
710 59th Ter E
sold · 0.08 mi
Price: $139,000
3 bd / 2 ba · 984 sqft
Latest sale: $139,000
Latest rent: —
Photo unavailable
711 59th Ter E
sold · 0.10 mi
Price: $230,000
2 bd / 2 ba · 1,092 sqft
Latest sale: $230,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Electrical panel (2021), AC (2018), and roof (2016) noted in listing are accurate and currently functional.
- No kitchen appliances (stove/refrigerator) are visible in photos; assume they may be missing or will be landlord-supplied — missing appliances are a capital item, not an immediate safety failure.
- Smoke detectors, carbon monoxide alarm, and GFCI outlets are not visible in photos and should be considered absent until verified.
- Water heater and plumbing fixtures are present and operational; no visible water stains or mold were seen to indicate active leaks.
- No major structural issues (foundation movement, roof failure, collapsed ceilings) exist because none are visible; hidden issues cannot be ruled out without interior attic/foundation inspection.
- Exterior fence is intact and provides required rear-yard security as shown.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,066 | $150,957 | $105,521 |
| 2024 | $1,976 | $150,957 | $105,521 |
| 2023 | $1,957 | $157,932 | $86,658 |
| 2022 | $1,717 | $130,676 | $78,780 |
| 2021 | $1,407 | $96,216 | $71,618 |
| 2020 | $1,355 | $88,311 | $65,107 |
| 2019 | $1,239 | $78,436 | $59,188 |
| 2018 | $1,182 | $76,023 | $76,023 |
| 2017 | $974 | $60,492 | $60,492 |
| 2016 | $851 | $46,224 | $46,224 |
| 2015 | $784 | $40,425 | $40,425 |
| 2014 | $1,020 | $55,074 | $55,074 |
| 2013 | $924 | $49,173 | $49,173 |
| 2012 | $543 | $51,398 | $51,398 |
| 2011 | $719 | $72,989 | $72,989 |
| 2010 | $845 | $82,665 | $82,665 |
| 2009 | $1,205 | $105,336 | $105,336 |
| 2008 | $2,189 | $129,267 | $129,267 |
| 2007 | $2,365 | $138,196 | $138,196 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-20 | Listed | $275,000 |
| 2015-09-16 | Sold | $48,000 |
| 2013-06-03 | Sold | $48,000 |
| 2013-05-06 | Price Changed | $49,900 |
| 2013-04-09 | Listed | $54,900 |
| 2010-02-25 | Listing removed | $74,900 |
| 2009-06-26 | Listed | $74,900 |
| 2006-07-05 | Sold | $199,500 |
| 2006-03-07 | Listed | $195,840 |
| 2006-03-07 | Listed | $195,840 |
| 2006-03-07 | Listed | $195,840 |
Photo Gallery
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"https://ap.rdcpix.com/132574e8687c4b8fdf78c4b20801b0c9l-m2161110313s-w1280.jpg",
"https://ap.rdcpix.com/132574e8687c4b8fdf78c4b20801b0c9l-m456830715s-w1280.jpg",
"https://ap.rdcpix.com/132574e8687c4b8fdf78c4b20801b0c9l-m1435129398s-w1280.jpg",
"https://ap.rdcpix.com/132574e8687c4b8fdf78c4b20801b0c9l-m4175124665s-w1280.jpg",
"https://ap.rdcpix.com/132574e8687c4b8fdf78c4b20801b0c9l-m991954723s-w1280.jpg",
"https://ap.rdcpix.com/132574e8687c4b8fdf78c4b20801b0c9l-m3824447942s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 125.58,
"monthly_cash_flow": 1912.88,
"property_tax_rate": 0.008199999999999999,
"_utility_allowance": {
"sources": [
"https://sarasotahousing.org/documents/section8/UtilityAllowancesManateeCounty2026.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has Central Air. The allowance is the fixed value for a 4-bedroom unit from the schedule.",
"utility": "air_conditioning",
"allowance": 35
},
{
"note": "Property has a 'Range'. Electric was chosen as the fuel type, consistent with the electric water heater and regional commonality. The value is for a 4-bedroom unit.",
"utility": "cooking",
"allowance": 17
},
{
"note": "Property has 'Central' heating. Electric was selected as it is common for the area and the more expensive option provided. The value is for a 4-bedroom unit.",
"utility": "heating",
"allowance": 21
},
{
"note": "A standard baseline allowance for medical equipment included as per the PHA schedule for a 4-bedroom unit.",
"utility": "medical",
"allowance": 36
},
{
"note": "Standard miscellaneous electrical allowance for lighting, fans, and outlets for a 4-bedroom unit.",
"utility": "other_electric",
"allowance": 59
},
{
"note": "A microwave is not listed as a provided appliance, so this allowance is included for a tenant-provided unit.",
"utility": "range_microwave",
"allowance": 6
},
{
"note": "The property listing includes a 'Refrigerator', so no allowance is provided for the tenant.",
"utility": "refrigerator",
"allowance": 0
},
{
"note": "Property is connected to 'Public Sewer' as stated in the listing. The allowance is for a 4-bedroom unit.",
"utility": "sewer",
"allowance": 85
},
{
"note": "Standard allowance for municipal trash collection for a single-family home.",
"utility": "trash_collection",
"allowance": 21
},
{
"note": "Property uses 'Public' water as stated in the listing. The allowance is for a 4-bedroom unit.",
"utility": "water",
"allowance": 57
},
{
"note": "Property has an 'Electric Water Heater' as specified in the listing. The allowance is for a 4-bedroom unit.",
"utility": "water_heating",
"allowance": 61
}
],
"cash_on_cash_return": 0.42,
"down_payment_amount": 55000.0,
"property_tax_annual": 2127.98,
"property_tax_monthly": 177.33,
"property_tax_increase": 0.03,
"utility_allowance_total": 398.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://sarasotahousing.org/documents/section8/PaymentStandardsAllCounty20260212.pdf",
"https://sarasotahousing.org/documents/section8/landlords/HCVnewsletterAugust2025.pdf"
],
"effective_date": "2026-04-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 5390.63,
"property_management_monthly": 246.2,
"monthly_cash_flow_after_debt": 449.22,
"cash_on_cash_return_after_debt": 0.1
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 4-bed, 2-bath single-family house appears close to Section 8 / NSPIRE readiness. Major systems (roof, AC, panel) are recently replaced per the listing and photos show no structural distress or active leaks. The property requires mostly minor repairs and safety-device installations (smoke/CO detectors, GFCI outlets) and some cosmetic/site work (driveway repair, door threshold, landscaping). With these corrections and confirmation of working plumbing/hot water, the home is likely to pass an initial HCV inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior and exterior appear generally intact with clean tile floors, painted walls, functioning doors/windows and a fenced yard. Visible deferred items are mostly cosmetic: worn/cracked driveway, patchy lawn, minor trim/door bottom damage, and overgrown shrubs. Listing notes appliances/systems replacements but photos show no kitchen appliances (stove/fridge not visible) which would need provisioning. These are easy-to-fix or capital items rather than structural failures."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no exposed wiring). Entry door shows a deadbolt. However required safety items are not visible in photos: smoke detectors, carbon monoxide alarm (if required by local code), and GFCI-protected kitchen/bath outlets. Threshold/door bottom shows damage that could be a minor egress/air-seal issue. Bedroom egress windows appear adequate from photos. Because smoke/CO/GFCI are commonly missed and not shown, this creates a moderate NSPIRE risk that would likely require correction before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 85.0,
"rationale": "Listing states electrical panel replaced in 2021, AC replaced 2018, and roof replaced 2016; photos show ceiling HVAC vents and an intact roofline with no visible sagging or stains. These factors suggest the major systems are recently serviced and likely operational. Water heater and plumbing fixtures are not shown; no visible signs of leaks or water intrusion in ceilings or walls. Overall low mechanical risk based on listing claims and photo inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Single-story stucco home with an intact perimeter fence and level yard. Exterior paint and shutters appear serviceable. Driveway surface is heavily worn/cracked with raised edges and an old timber border — a possible trip hazard and curb appeal issue. Landscaping is minimal; some debris/branches visible at lot edges. No visible foundation cracks, standing water, or pest infestation in photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Electrical panel (2021), AC (2018), and roof (2016) noted in listing are accurate and currently functional.",
"No kitchen appliances (stove/refrigerator) are visible in photos; assume they may be missing or will be landlord-supplied — missing appliances are a capital item, not an immediate safety failure.",
"Smoke detectors, carbon monoxide alarm, and GFCI outlets are not visible in photos and should be considered absent until verified.",
"Water heater and plumbing fixtures are present and operational; no visible water stains or mold were seen to indicate active leaks.",
"No major structural issues (foundation movement, roof failure, collapsed ceilings) exist because none are visible; hidden issues cannot be ruled out without interior attic/foundation inspection.",
"Exterior fence is intact and provides required rear-yard security as shown."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Overall this single-story 4-bed/2-bath property appears structurally sound and close to Section 8 rent-ready. Major systems are recent (roof 2016, AC 2018, electrical panel 2021). Primary work to pass an initial HCV/NSPIRE inspection is likely limited to verifying or installing required detectors (smoke/CO), confirming GFCI protection, minor cosmetic repairs, driveway remediation or hazard marking, and provisioning or confirming kitchen appliances. No major structural or severe mechanical failures are visible in the photos. Expect tenant-ready status within 2–6 weeks depending on appliance provisioning and quick code fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show generally sound cosmetic condition: painted walls, intact tile flooring, functioning ceiling fans and light fixtures. Minor deferred maintenance visible: worn front door threshold/paint, scuffed baseboards, overgrown/shrubbery near foundation, and a heavily deteriorated driveway with surface cracking and broken edges (trip hazard). No interior collapse, extensive drywall damage or visible severe rot. Listing indicates recent electrical panel (2021), AC (2018) and roof (2016) which reduces capital risk. Kitchen appliances are not shown — absence would be a moderate capital/turnkey issue but not an inspection-failure by itself. Overall many items are cosmetic or straightforward repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE Safety & Code Risks",
"score": 60.0,
"rationale": "No life-threatening hazards are visible (no sagging ceilings, no standing water, no collapsed structures). However required safety devices are not visible in photos: smoke detectors and carbon monoxide alarm(s) are not shown and should be verified/installed. GFCI protection in kitchen/bathrooms cannot be confirmed from images. The electrical panel was reportedly replaced in 2021 (reduces electrical hazard risk) and there is no visible exposed wiring. Windows appear adequate for egress but bedroom-specific egress confirmation is not possible from provided images. Exterior entry looks secure though no deadbolt is visible in photos. Because several required safety items are unverified, this represents a moderate inspection risk that can likely be corrected quickly."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 85.0,
"rationale": "Listing states the roof was replaced in 2016, AC replaced in 2018, and the electrical panel in 2021 — these recent replacements strongly reduce near-term system risk. Interior photos show ceiling HVAC vents (suggesting central air ducting) and no visible water stains on ceilings or walls. No water heater, meter, or plumbing fixtures are visible to fully verify, but there are no visual signs of active leaks or failed systems. Given the documented system replacements and clean interior ceilings, major mechanical systems appear serviceable."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 70.0,
"rationale": "Stucco exterior appears intact with no visible large cracks or foundation displacement in photos. A fenced backyard is present. Concerns: driveway pavement is heavily cracked and worn (potential trip hazard), large pine trees close to roofline (risk of debris/roots impacting foundation or roof over time), uneven yard surface and a leaning mailbox post. Landscaping appears minimal and will need cleanup for tenant readiness. No visible evidence of severe foundation failure, termite activity, or exterior structural damage from provided images."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statements are accurate: roof replaced 2016, AC replaced 2018, electrical panel replaced 2021.",
"Central HVAC exists and is operational (ceiling vents visible and AC replacement listed), but full functional test not performed.",
"No smoke detectors or CO alarms are visible in photos; assume they may be absent or need replacement and must be installed to pass NSPIRE.",
"GFCI outlet presence in kitchen/bathrooms is unknown (not visible in photos) and should be verified/installed if missing.",
"Kitchen appliances (stove/fridge) are not shown in photos; assume they may be absent or removed. Missing appliances reduce turnkey readiness moderately but do not imply safety failure.",
"Plumbing fixtures and hot water availability are not visible; assume plumbing is intact because there are no visible water stains or interior damage.",
"No significant foundation movement, roof sag, severe mold, active leaks, or major electrical hazards are present based on photos; hidden issues could exist but none are evident."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-v1.0"
},
{
"summary": "Moderately turn‑key. The property shows recent major system updates (AC 2018, electrical panel 2021, roof 2016) and no visible structural failures, so it is likely to pass a Housing Choice Voucher initial inspection after addressing a few verification and minor repair items. Primary actions before leasing: confirm/install required smoke and CO detectors, verify hot water and plumbing, ensure GFCI protection in kitchen/baths, address driveway trip hazards and front door threshold, and confirm presence/condition of kitchen appliances if required by local PHA. Estimated time to pass: 1–4 weeks for straightforward fixes; longer if plumbing or missing appliances need replacement.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Overall interior and exterior appear serviceable with cosmetic wear. Tile floors and painted walls look intact; some interior trim/door bottoms show wear and scuffing. Exterior stucco and windows look sound. Driveway surface is deteriorated with cracking and exposed aggregate; front door threshold shows wear. No photos of kitchen appliances or bathrooms provided; missing appliances likely or unverified which moderately reduces score. These are easy-to-fix, capital items (paint, threshold, driveway improvements, install/replace appliances if missing)."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos (no sagging ceilings, visible major foundation cracks, or active leaks). Listing states electrical panel replaced in 2021 and AC in 2018, which reduces electrical/HVAC risk. However, smoke detectors and CO detectors are not visible in any interior photos (could be present but unshown) and GFCI locations (kitchen/baths) are unverified. Front entrance has a deadbolt and looks secure. Single small front step has no handrail but does not appear to require one. Because critical detectors and egress windows for bedrooms are not verifiable from images, there is a moderate NSPIRE risk that would need quick fixes (install/verify detectors, GFCI, egress checks) before a voucher inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 78.0,
"rationale": "Listing reports AC replaced in 2018 and electrical panel replaced in 2021; roof replaced in 2016. Interior ceiling vents and a functioning ceiling fan are visible, indicating central HVAC/delivery. No visible water stains, mold, or roof sagging in photos. Water heater, hot water availability, and sewer/drain performance are not documented. Based on ages reported and visible condition, major systems are likely in good working order but unverified items (water heater, hot water, plumbing leaks) may require confirmation."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Single‑story stucco home with fenced backyard; fence looks intact in photos. Roof appears level (no visible sag) and was reported replaced in 2016. Yard is sparsely vegetated with patchy grass. Driveway is significantly weathered and cracked—potential trip hazard and curb appeal issue. Trees close to house should be monitored but show no immediate damage. No visible signs of infestation, standing water, or major foundation issues in provided photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statements are accurate: roof replaced in 2016, AC in 2018, electrical panel replaced in 2021.",
"Interior photos do not show kitchen or bathrooms; appliance presence and plumbing fixtures are unknown and assumed unverified.",
"Smoke and carbon monoxide detectors are not visible in provided photos; assume they are not verified and must be checked/installed.",
"No evidence of active roof leaks, structural sagging, or major foundation movement in photos; assume none present but require on‑site confirmation.",
"Water heater and hot water availability not shown; assume functional but needs verification during inspection.",
"No rental history in last 5 years (data provided), so rental history bonus not applied."
],
"overall_score": 71.0,
"rubric_version": "nsprire_hcv_v1.0_2026-03-27"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6008 9th St E, Bradenton, FL, 34203",
"aggregate": {
"summary": "Overall this 4-bed, 2-bath single-family house appears close to Section 8 / NSPIRE readiness. Major systems (roof, AC, panel) are recently replaced per the listing and photos show no structural distress or active leaks. The property requires mostly minor repairs and safety-device installations (smoke/CO detectors, GFCI outlets) and some cosmetic/site work (driveway repair, door threshold, landscaping). With these corrections and confirmation of working plumbing/hot water, the home is likely to pass an initial HCV inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.0,
"rationale": "Interior and exterior appear generally intact with clean tile floors, painted walls, functioning doors/windows and a fenced yard. Visible deferred items are mostly cosmetic: worn/cracked driveway, patchy lawn, minor trim/door bottom damage, and overgrown shrubs. Listing notes appliances/systems replacements but photos show no kitchen appliances (stove/fridge not visible) which would need provisioning. These are easy-to-fix or capital items rather than structural failures."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Single-story stucco home with an intact perimeter fence and level yard. Exterior paint and shutters appear serviceable. Driveway surface is heavily worn/cracked with raised edges and an old timber border — a possible trip hazard and curb appeal issue. Landscaping is minimal; some debris/branches visible at lot edges. No visible foundation cracks, standing water, or pest infestation in photos."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 61.7,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no exposed wiring). Entry door shows a deadbolt. However required safety items are not visible in photos: smoke detectors, carbon monoxide alarm (if required by local code), and GFCI-protected kitchen/bath outlets. Threshold/door bottom shows damage that could be a minor egress/air-seal issue. Bedroom egress windows appear adequate from photos. Because smoke/CO/GFCI are commonly missed and not shown, this creates a moderate NSPIRE risk that would likely require correction before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 82.7,
"rationale": "Listing states electrical panel replaced in 2021, AC replaced 2018, and roof replaced 2016; photos show ceiling HVAC vents and an intact roofline with no visible sagging or stains. These factors suggest the major systems are recently serviced and likely operational. Water heater and plumbing fixtures are not shown; no visible signs of leaks or water intrusion in ceilings or walls. Overall low mechanical risk based on listing claims and photo inspection."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Electrical panel (2021), AC (2018), and roof (2016) noted in listing are accurate and currently functional.",
"No kitchen appliances (stove/refrigerator) are visible in photos; assume they may be missing or will be landlord-supplied — missing appliances are a capital item, not an immediate safety failure.",
"Smoke detectors, carbon monoxide alarm, and GFCI outlets are not visible in photos and should be considered absent until verified.",
"Water heater and plumbing fixtures are present and operational; no visible water stains or mold were seen to indicate active leaks.",
"No major structural issues (foundation movement, roof failure, collapsed ceilings) exist because none are visible; hidden issues cannot be ruled out without interior attic/foundation inspection.",
"Exterior fence is intact and provides required rear-yard security as shown."
],
"score_method": "mean_of_criteria",
"overall_score": 72.1,
"rubric_version": "nsPIRE-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6412210201"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.