Property ID: 6478404938
9501 Misenheimer Rd, Charlotte, NC, 28215
Charlotte, NC
Money Down: $52,800
CoC Return: 1.07%
Monthly Cash Flow: $47
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$44,000
Closing Costs
$8,800
Total Down
$52,800
Investment Snapshot
Purchase Price
$220,000
Money Down
$52,800
Cash-on-Cash Return
1.07%
Rent
$1,554
Monthly Cash Flow
$47
Annual Cash Flow
$565
Debt Service / Mo
$1,171
Property Tax / Mo
$129
Insurance / Mo
$51
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,554
Payment Standard
$1,778
Rent
$1,554
Insurance
$51
Property Tax
$129
Management
$155
Utilities Allowance
$224
NOI (Monthly)
$1,218
Debt Service
$1,171
Cash Flow After Debt
$47
Quality Score: 72.60%
Confidence: 95.00%
Overall this bungalow appears cosmetically updated and mostly rent-ready. No immediate life-safety defects are visible in photos; most items are minor/finish repairs (paint, walkway leveling, porch touch-up). Key safety and system items (smoke/CO detectors, GFCI outlets, electrical panel condition, HVAC and water heater operation, hot water) are not verifiable from photos and should be confirmed prior to lease. Likely able to pass an initial HCV/NSPIRE inspection after addressing minor repairs and confirming/adding required detectors and GFCI protection — estimated rent-ready timeline 1–4 weeks for a prepared owner/contractor, up to 30 days if systems require servicing.
Section 8 Payment Standard
$1,778
Utility Allowance Total
$224
Guaranteed Section 8 Rent (PS - Utilities)
$1,554
Property Management
$155
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$220,000
Beds
2
Baths
2
Living Area
980 sqft
Lot Size
10,019 sqft
Year Built
2001
Days on Market
167
Capital Outlay
$52,800
Debt Service
$1,171
Property Tax / Mo
$129
Insurance / Mo
$51
Property Description
Totally charming bungalow in Charlotte, ready for you! This Home has 2 bedrooms and 2 full Bathroom, with a great floor plan. Screened in front porch and enclosed back porch. There is a nice sized living room and the kitchen has an island, stainless steel appliances and eat in breakfast area. Convenient location and priced to sell! Offer Instructions are in the Agent Only Section.
Utility Allowances
Heating
$71
Property info specifies 'Heating Features: Forced Air, Natural Gas'. Selected 'natural_gas' option for a 2-bedroom unit.
Cooking
$9
Property info specifies 'Appliances: Electric Range'. Selected 'electric' option for a 2-bedroom unit.
Water Heating
$28
Fuel type is not specified. Selected 'natural_gas' as it is consistent with the primary heating system fuel.
Air Conditioning
$16
Property info specifies 'Cooling Features: Central Air'. Selected the fixed allowance for a 2-bedroom unit.
Other Electric
$65
Standard allowance for lights, outlets, and miscellaneous electric usage for a 2-bedroom unit.
Water
$24
Property info specifies 'Water Source: Public'. Selected the fixed allowance for a 2-bedroom unit.
Sewer
$0
Property info specifies 'Sewer: Septic Installed', so no public sewer allowance is needed.
Gas Service Fee
$11
A fixed service fee is applicable as the property uses natural gas for heating and water heating.
Refrigerator
$0
The appliance is listed as landlord-provided, so the tenant-owned appliance allowance is not applicable.
Range/Stove
$0
The 'Electric Range' is listed as a landlord-provided appliance, so the tenant-owned appliance allowance is not applicable.
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$513
DP3 Annual Estimate$721
DP1 Monthly Equivalent$43
DP3 Monthly Equivalent$60
Replacement Value$93,600
Basis980 sqft / 2001
Nearby Houses
Photo unavailable
9515 Misenheimer Rd
for_sale · 0.03 mi
Price: $125,000
— bd / — ba
Latest sale: $78,000 on Jan 08, 2026
Latest rent: —
Photo unavailable
9424 Misenheimer Rd
sold · 0.04 mi
Price: $57,000
— bd / — ba
Latest sale: $57,000 on May 20, 2020
Latest rent: —
Photo unavailable
9409 Misenheimer Rd
for_sale · 0.06 mi
Price: $124,900
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
9407 Misenheimer Rd
sold · 0.07 mi
Price: $105,000
3 bd / 2 ba · 1,192 sqft
Latest sale: $105,000
Latest rent: —
Photo unavailable
9326 Misenheimer Rd Unit 14
sold · 0.11 mi
Price: $125,000
2 bd / 1 ba · 784 sqft
Latest sale: $125,000
Latest rent: —
Photo unavailable
7504 Gwynne Hill Rd
for_sale · 0.11 mi
Price: $349,990
4 bd / 3 ba · 1,869 sqft
Latest sale: $171,000
Latest rent: —
Photo unavailable
7329 Boswell Rd
sold · 0.12 mi
Price: $245,000
3 bd / 3 ba · 2,252 sqft
Latest sale: $245,000
Latest rent: —
Photo unavailable
7500 Gwynne Hill Rd
sold · 0.13 mi
Price: $349,500
4 bd / 3 ba · 1,869 sqft
Latest sale: $349,500 on Feb 06, 2026
Latest rent: —
Photo unavailable
7836 Carelock Cir
sold · 0.13 mi
Price: $151,000
3 bd / 2 ba · 933 sqft
Latest sale: $151,000
Latest rent: —
Photo unavailable
9637 Misenheimer Rd
sold · 0.13 mi
Price: $399,900
4 bd / 3 ba · 2,140 sqft
Latest sale: $399,900
Latest rent: —
Photo unavailable
7830 Carelock Cir Unit 1
sold · 0.14 mi
Price: $154,990
4 bd / 3 ba · 2,007 sqft
Latest sale: $154,990 on Jun 30, 2017
Latest rent: —
Photo unavailable
7424 Gwynne Cir
for_sale · 0.15 mi
Price: $125,000
— bd / — ba
Latest sale: $115,000
Latest rent: —
Photo unavailable
7304 Boswell Rd
off_market · 0.17 mi
Price: $324,990
3 bd / 3 ba · 1,595 sqft
Latest sale: —
Latest rent: —
Photo unavailable
7304 Boswell Rd Unit 2A
off_market · 0.17 mi
Price: $329,990
3 bd / 3 ba · 1,500 sqft
Latest sale: —
Latest rent: —
Photo unavailable
7300 Boswell Rd Unit 2B
off_market · 0.17 mi
Price: $324,990
3 bd / 3 ba · 1,500 sqft
Latest sale: —
Latest rent: —
Photo unavailable
9705 Misenheimer Rd Unit 3A
for_sale · 0.18 mi
Price: $324,990
3 bd / 3 ba · 1,500 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Kitchen appliances (stainless refrigerator/stove) and island are present and operational per listing text, though not shown in interior photos.
- Central HVAC is present (outdoor condenser/utility area visible) and functional; performance not verified.
- Smoke detectors and carbon monoxide detectors may not be visible in photos; assume at least some may be missing or need replacement per NSPIRE and should be installed/verified.
- Electrical panel, GFCI protection in kitchen/bathroom, and water heater are present but their condition is unknown and should be inspected.
- No active roof leaks or major plumbing leaks exist because there are no visible stains, but attic/crawlspace not inspected — latent issues possible.
- Porch stairs and handrails are structurally sound though paint/wear noted; fastening and riser spacing should be checked.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,505 | $173,600 | $173,600 |
| 2024 | $1,468 | $173,600 | $173,600 |
| 2023 | $1,412 | $173,600 | $173,600 |
| 2022 | $1,071 | $98,000 | $98,000 |
| 2021 | $1,060 | $98,000 | $98,000 |
| 2020 | $1,052 | $98,000 | $98,000 |
| 2019 | $1,037 | $98,000 | $98,000 |
| 2018 | $1,094 | $77,800 | $77,800 |
| 2017 | $1,070 | $77,800 | $77,800 |
| 2016 | $1,060 | $77,800 | $77,800 |
| 2015 | $1,049 | $77,800 | $77,800 |
| 2014 | $1,104 | $77,800 | $77,800 |
| 2013 | $1,104 | $81,200 | $81,200 |
| 2012 | $1,060 | $81,700 | $81,700 |
| 2011 | $1,084 | $81,700 | $81,700 |
| 2010 | $828 | $78,000 | $78,000 |
| 2009 | $808 | $78,000 | $78,000 |
| 2008 | $808 | $78,000 | $78,000 |
| 2007 | $803 | $78,000 | $78,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-09 | Price Changed | $220,000 |
| 2025-11-18 | Price Changed | $239,900 |
| 2025-10-27 | Listed | $240,000 |
| 2025-03-20 | Listing removed | $0 |
| 2025-03-13 | Listed | $249,900 |
| 2024-08-17 | Listing removed | $0 |
| 2024-04-03 | Listed | $298,000 |
| 2024-01-01 | Listing removed | $0 |
| 2023-07-18 | Price Changed | $325,000 |
| 2023-05-30 | Listed | $340,000 |
| 2022-05-17 | Sold | $180,000 |
| 2008-07-21 | Sold | $60,000 |
Photo Gallery
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"note": "Property info specifies 'Heating Features: Forced Air, Natural Gas'. Selected 'natural_gas' option for a 2-bedroom unit.",
"utility": "Heating",
"allowance": 71
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{
"note": "Property info specifies 'Appliances: Electric Range'. Selected 'electric' option for a 2-bedroom unit.",
"utility": "Cooking",
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{
"note": "Fuel type is not specified. Selected 'natural_gas' as it is consistent with the primary heating system fuel.",
"utility": "Water Heating",
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{
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"utility": "Air Conditioning",
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{
"note": "Standard allowance for lights, outlets, and miscellaneous electric usage for a 2-bedroom unit.",
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"allowance": 65
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{
"note": "Property info specifies 'Water Source: Public'. Selected the fixed allowance for a 2-bedroom unit.",
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{
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"summary": "Overall this bungalow appears cosmetically updated and mostly rent-ready. No immediate life-safety defects are visible in photos; most items are minor/finish repairs (paint, walkway leveling, porch touch-up). Key safety and system items (smoke/CO detectors, GFCI outlets, electrical panel condition, HVAC and water heater operation, hot water) are not verifiable from photos and should be confirmed prior to lease. Likely able to pass an initial HCV/NSPIRE inspection after addressing minor repairs and confirming/adding required detectors and GFCI protection — estimated rent-ready timeline 1–4 weeks for a prepared owner/contractor, up to 30 days if systems require servicing.",
"criteria": [
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"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show recent cosmetic updates (fresh paint, new-looking LVP flooring), clean walls, working ceiling fans and intact trim. Screened front porch and exterior paint appear in generally good condition. Minor deferred items visible: front steps/handrail and porch need paint/touch-up, concrete/stepping stone walkway is uneven and a small trip hazard, gravel parking area edge timbers are weathered. Listing text notes stainless appliances and kitchen island (reduces penalty for missing appliances). No visible major interior damage, peeling paint, or collapsed surfaces. Overall mostly cosmetic/finish work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no visible severe mold, no exposed wiring). Windows in bedrooms/living areas appear adequate for egress. Exterior steps have handrails but risers are open and steps/show paint wear — may require touch-up and inspection for secure fastening. Smoke/CO detectors are not visible in photos (cannot confirm placement). GFCI presence in kitchen/bath cannot be confirmed. Electrical panel not shown. Plumbing fixtures and hot water cannot be visually confirmed. Because many mandatory safety items cannot be confirmed from photos, score is moderated even though there are no visible active hazards."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Roof appears intact from available angles with no visible sagging or active leaks. An outdoor condenser/utility area is visible near the left side of the house suggesting central HVAC, but operation cannot be verified. No water heater or mechanical room photos provided. Electrical service and panel are not shown and GFCI protection cannot be confirmed. Given the build year (2001) and generally well-kept cosmetic condition, major systems are likely present and functional but unverified — moderate risk remains until systems are tested by a contractor/inspector."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 75.0,
"rationale": "Vinyl siding and foundation block appear intact with foundation vents present. Yard is level with adequate drainage slope not fully verifiable but no signs of pooling or erosion in photos. Gravel parking is serviceable; walkway pavers are uneven and edging timbers are worn and need repair to reduce trip hazard and tidy appearance. No visible infestation or extensive exterior neglect. Adjacent utility pole in front yard is noted but not a code failure. Screening and porch structure look serviceable."
}
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"confidence": 0.75,
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"Central HVAC is present (outdoor condenser/utility area visible) and functional; performance not verified.",
"Smoke detectors and carbon monoxide detectors may not be visible in photos; assume at least some may be missing or need replacement per NSPIRE and should be installed/verified.",
"Electrical panel, GFCI protection in kitchen/bathroom, and water heater are present but their condition is unknown and should be inspected.",
"No active roof leaks or major plumbing leaks exist because there are no visible stains, but attic/crawlspace not inspected — latent issues possible.",
"Porch stairs and handrails are structurally sound though paint/wear noted; fastening and riser spacing should be checked."
],
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"rubric_version": "nsPIRE-v1.0-photo-assess-2026"
},
{
"summary": "This 2 bed / 2 bath bungalow presents as a mostly turnkey candidate for Section 8 tenancy with cosmetic finishes refreshed and systems apparently intact. The property shows only minor exterior and interior cosmetic repairs. The main inspection risks are lack of visible smoke/CO detectors in photos, unverified GFCI protection in wet areas, and some trip hazards at the front walkway. Major structural or system failures are not apparent in the photos. With a short targeted punch list (install/verify smoke & CO alarms, confirm HVAC and hot water operation, add GFCI protection where required, correct uneven walkway pavers and touch up porch/step finishes) this property is likely to pass an initial HCV/NSPIRE inspection within ~1–4 weeks.",
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"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show a recently updated appearance: new-looking vinyl plank flooring, fresh neutral paint, intact trim and functioning interior doors. Screened front porch, steps and railings are present but show peeling paint and minor weathering. No collapsed ceilings, large holes in drywall, or exposed subfloor visible. Listing indicates stainless appliances (kitchen photos not provided) so missing-appliance risk is low. Overall condition appears sound with only minor cosmetic and touch-up repairs required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, major foundation cracks, or exposed high-voltage wiring). Stairs to porch have railings/guardrails. Windows look adequate for bedroom egress. However, photos do not show any smoke detectors or carbon monoxide alarms (required by NSPIRE/local code) and GFCI outlets in kitchen/baths are not visible. Walkway stepping stones and gravel driveway present moderate trip‑hazard risk. Small dark staining in a bedroom corner could indicate past water intrusion (not active in photos). These unknowns moderate the safety score."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Integrity",
"score": 70.0,
"rationale": "Floor vents and wall registers visible, indicating central HVAC present (assumed operational but not verified). Roof and siding appear intact from photos with no obvious sagging or missing shingles. Foundation appears to be block with vents and no visible major settlement. Electrical panel, water heater and hot water supply are not shown — systems assumed present and functional based on listing/condition but cannot be confirmed. No visible active leaks or hanging gas venting issues in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Yard and lot are generally tidy with a defined gravel parking area and planted lawn. Vinyl siding and painted block foundation appear in good repair. The screened porch, entry steps and rail borders show weathering and will need paint/finish work. Walkway uses loose pavers and gravel which are serviceable but uneven and present a trip risk. No visible standing water or active roof failure noted. Utility pole near front yard is present but not a code-failure by itself."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in interior photos (must be verified/installed).",
"Uneven stepping stones/gravel path and low edging present moderate trip hazard to entry.",
"GFCI protection in kitchen and bathrooms not visible — must be verified (common inspection fail item)."
],
"confidence": 0.65,
"assumptions": [
"Kitchen appliances (stove, refrigerator) and bathroom fixtures are present and functional per listing text (kitchen photos not provided).",
"Central HVAC exists and is functional (floor registers visible); no separate heating absence.",
"No active roof leaks or major hidden water intrusion beyond a small, previously stained corner noted in one interior photo.",
"Electrical service and panel are code‑compliant and located out of view of listing photos (no exposed live wiring visible externally).",
"Water heater and plumbing supply are present and provide hot water; not visible in photos so assumed serviceable.",
"No known pest/infestation issues although crawlspace/basement conditions are not visible and unassessed."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Overall this 2-bed bungalow appears mostly cosmetically updated and in generally good condition — likely to pass a Housing Choice Voucher/NSPIRE initial inspection after a short punch list. Major visible systems (roof, windows, HVAC condensing unit) look intact and there are no signs of structural distress, active leaks, collapsed ceilings, or severe mold in the photos. Primary inspection risks are missing/undocumented safety items commonly checked by NSPIRE (smoke/CO detectors, GFCI outlets, electrical panel labeling, hot water and plumbing operation). Addressing those items (installing/verifying detectors, confirming GFCIs and hot water, minor exterior and porch touch-ups) should put the property into solid pass condition within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently refreshed: vinyl plank flooring looks new, walls freshly painted, trim in place. No visible major cosmetic damage inside. Exterior siding and foundation paint look recently maintained. Minor deferred items observed: worn/peeling paint on porch rails and stair treads, weathered timber edging on driveway, uneven stepping-stone walkway and some yard debris. Listing notes stainless appliances and island (kitchen not pictured) so missing-appliance risk appears low. Overall mostly cosmetic repairs only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life-threatening hazards visible: ceilings intact (no sagging or stains), windows present in bedrooms (likely adequate egress), outlets have covers, no exposed wiring seen. Porch has handrails/guardrails. Key NSPIRE elements not verifiable from photos: no smoke detectors or CO alarms are visible (required), GFCI protection in kitchen/baths not shown, electrical panel not shown, hot water functionality not confirmed. Because these are common inspection items and are not visible, the unit carries moderate inspection risk until detectors/GFCI/panel/hot-water are confirmed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Roof/Electrical)",
"score": 70.0,
"rationale": "Roof shingles appear intact and even (no visible major roof failure). An exterior AC condensing unit is visible suggesting central HVAC is present. No visible plumbing leaks or roof stains inside. Water heater, interior HVAC equipment, and electrical panel are not shown so their condition is assumed but unverified. Given the property's year (2001) and the visible exterior unit and generally well-kept interior, systems are likely functional but require verification (service records or onsite checks)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior envelope (vinyl siding, windows, foundation masonry) appears intact and in fair condition. Front screened porch and stairs present with guardrails. Gravel driveway/parking is usable but edging timbers are weathered and some walk paving is uneven creating minor trip hazards. Large front yard appears graded away from house but detailed drainage, downspout extents, and crawlspace access/condition are not visible. No evidence of standing water or severe exterior neglect in photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Interior photos are representative of the full unit; kitchen and bathrooms exist as described though not photographed.",
"There is a central HVAC system (condensing unit visible) and a heating source (likely a heat pump/furnace) but interior equipment was not photographed.",
"Smoke detectors, carbon monoxide alarms, GFCI outlets, electrical panel condition, and water heater operation were not visible in photos and are assumed unverified.",
"No active roof leaks, major foundation movement, or hidden structural damage are present based on lack of visible signs (stains, sagging, major cracks) in provided photos.",
"Appliances referenced in the listing (stainless steel) are present and functional but not independently confirmed in images."
],
"overall_score": 72.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "9501 Misenheimer Rd, Charlotte, NC, 28215",
"aggregate": {
"summary": "Overall this bungalow appears cosmetically updated and mostly rent-ready. No immediate life-safety defects are visible in photos; most items are minor/finish repairs (paint, walkway leveling, porch touch-up). Key safety and system items (smoke/CO detectors, GFCI outlets, electrical panel condition, HVAC and water heater operation, hot water) are not verifiable from photos and should be confirmed prior to lease. Likely able to pass an initial HCV/NSPIRE inspection after addressing minor repairs and confirming/adding required detectors and GFCI protection — estimated rent-ready timeline 1–4 weeks for a prepared owner/contractor, up to 30 days if systems require servicing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show recent cosmetic updates (fresh paint, new-looking LVP flooring), clean walls, working ceiling fans and intact trim. Screened front porch and exterior paint appear in generally good condition. Minor deferred items visible: front steps/handrail and porch need paint/touch-up, concrete/stepping stone walkway is uneven and a small trip hazard, gravel parking area edge timbers are weathered. Listing text notes stainless appliances and kitchen island (reduces penalty for missing appliances). No visible major interior damage, peeling paint, or collapsed surfaces. Overall mostly cosmetic/finish work."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 73.3,
"rationale": "Vinyl siding and foundation block appear intact with foundation vents present. Yard is level with adequate drainage slope not fully verifiable but no signs of pooling or erosion in photos. Gravel parking is serviceable; walkway pavers are uneven and edging timbers are worn and need repair to reduce trip hazard and tidy appearance. No visible infestation or extensive exterior neglect. Adjacent utility pole in front yard is noted but not a code failure. Screening and porch structure look serviceable."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 66.7,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no visible severe mold, no exposed wiring). Windows in bedrooms/living areas appear adequate for egress. Exterior steps have handrails but risers are open and steps/show paint wear — may require touch-up and inspection for secure fastening. Smoke/CO detectors are not visible in photos (cannot confirm placement). GFCI presence in kitchen/bath cannot be confirmed. Electrical panel not shown. Plumbing fixtures and hot water cannot be visually confirmed. Because many mandatory safety items cannot be confirmed from photos, score is moderated even though there are no visible active hazards."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 68.3,
"rationale": "Roof appears intact from available angles with no visible sagging or active leaks. An outdoor condenser/utility area is visible near the left side of the house suggesting central HVAC, but operation cannot be verified. No water heater or mechanical room photos provided. Electrical service and panel are not shown and GFCI protection cannot be confirmed. Given the build year (2001) and generally well-kept cosmetic condition, major systems are likely present and functional but unverified — moderate risk remains until systems are tested by a contractor/inspector."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Kitchen appliances (stainless refrigerator/stove) and island are present and operational per listing text, though not shown in interior photos.",
"Central HVAC is present (outdoor condenser/utility area visible) and functional; performance not verified.",
"Smoke detectors and carbon monoxide detectors may not be visible in photos; assume at least some may be missing or need replacement per NSPIRE and should be installed/verified.",
"Electrical panel, GFCI protection in kitchen/bathroom, and water heater are present but their condition is unknown and should be inspected.",
"No active roof leaks or major plumbing leaks exist because there are no visible stains, but attic/crawlspace not inspected — latent issues possible.",
"Porch stairs and handrails are structurally sound though paint/wear noted; fastening and riser spacing should be checked."
],
"score_method": "mean_of_criteria",
"overall_score": 72.6,
"rubric_version": "nsPIRE-v1.0-photo-assess-2026",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6478404938"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.