Property ID: 6758656198
5751 Ebley Ln, Charlotte, NC, 28227
Charlotte, NC
Money Down: $63,600
CoC Return: -5.57%
Monthly Cash Flow: $-295
Est. Market Rent: $2,199
Est. Final ARV: $254,909
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$53,000
Closing Costs
$10,600
Total Down
$63,600
Investment Snapshot
Purchase Price
$265,000
Money Down
$63,600
Cash-on-Cash Return
-5.57%
Rent
$1,466
Monthly Cash Flow
$-295
Annual Cash Flow
$-3,542
Debt Service / Mo
$1,410
Property Tax / Mo
$121
Insurance / Mo
$83
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,466
Payment Standard
$1,778
Rent
$1,466
Insurance
$83
Property Tax
$121
Management
$147
Utilities Allowance
$312
NOI (Monthly)
$1,115
Debt Service
$1,410
Cash Flow After Debt
$-295
Quality Score: 78.60%
Confidence: 90.00%
Overall this 2-bed, 2-bath single-family home presents as largely turnkey for Section 8 tenancy with clean, updated interior finishes, working kitchen appliances visible, functioning central HVAC vents, and basic safety devices visible (smoke alarm). Major life-safety or structural failures are not apparent in photos. Remaining inspection risk centers on items not photographed: carbon monoxide alarms, GFCI verification, electrical panel condition, water heater and HVAC operation, and fireplace venting. With quick on-site verification and minor remediation if needed (install CO alarm, confirm/replace GFCI outlets, verify smoke alarms in sleeping areas), this property is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.
Section 8 Payment Standard
$1,778
Utility Allowance Total
$312
Guaranteed Section 8 Rent (PS - Utilities)
$1,466
Property Management
$147
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$265,000
Beds
2
Baths
2
Living Area
1,034 sqft
Lot Size
7,841 sqft
Year Built
1989
Days on Market
123
Capital Outlay
$63,600
Debt Service
$1,410
Property Tax / Mo
$121
Insurance / Mo
$83
Property Description
Step into this inviting 2-bedroom, 2-bath home offering a fantastic floorplan and beautifully tall, vaulted ceilings that fill the space with openness and light. Spacious rooms throughout provide comfortable living and effortless flow, while the easy-to-maintain yard allows you to enjoy more and worry less. This charming home blends convenience, comfort, and style-perfect for anyone seeking low-maintenance living without sacrificing space or design.
Utility Allowances
air_conditioning
$16
Selected based on the property having 'Central Air' and being a 2-bedroom unit.
cooking
$9
Property info specifies an 'Electric Range'. The 'electric' option for a 2-bedroom unit was selected.
gas_service_fee
$11
Included because natural gas is inferred to be used for heating and water heating.
heating
$71
Heating fuel was inferred as Natural Gas based on details from nearby properties. 'Natural gas' option for a 2-bedroom unit was selected.
other_electric
$65
Standard allowance for general electricity (lights, outlets, etc.) for a 2-bedroom unit.
range_stove
$0
The property lists 'Electric Range' under appliances, which is assumed to be landlord-provided. The allowance is for tenant-owned appliances.
refrigerator
$12
A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned and the corresponding allowance is included.
sewer
$76
Property info specifies 'Public Sewer'. Allowance for a 2-bedroom unit selected.
water
$24
Property info specifies 'Water Source: City'. Allowance for a 2-bedroom unit selected.
water_heating
$28
Water heating fuel was inferred as Natural Gas based on details from nearby properties. 'Natural gas' option for a 2-bedroom unit was selected.
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$867
DP3 Annual Estimate$1,122
DP1 Monthly Equivalent$72
DP3 Monthly Equivalent$94
Replacement Value$192,800
Basis1,034 sqft / 1989
Nearby Houses
Photo unavailable
5744 Ebley Ln
sold · 0.03 mi
Price: $140,000
3 bd / 2 ba · 1,100 sqft
Latest sale: $140,000
Latest rent: —
Photo unavailable
5612 Becton Park Dr
sold · 0.03 mi
Price: $287,000
3 bd / 2 ba · 1,195 sqft
Latest sale: $287,000
Latest rent: —
Photo unavailable
5740 Ebley Ln
sold · 0.03 mi
Price: $269,900
2 bd / 2 ba · 1,069 sqft
Latest sale: $269,900 on Oct 17, 2025
Latest rent: $2,199 on May 06, 2025
Photo unavailable
5732 Ebley Ln
sold · 0.04 mi
Price: $190,000
3 bd / 2 ba · 1,407 sqft
Latest sale: $190,000 on Feb 06, 2020
Latest rent: —
Photo unavailable
5719 Becton Park Dr
sold · 0.04 mi
Price: $268,000
2 bd / 2 ba · 1,114 sqft
Latest sale: $268,000 on Mar 16, 2026
Latest rent: —
Photo unavailable
5705 Ebley Ln
sold · 0.05 mi
Price: $125,000
3 bd / 2 ba · 1,388 sqft
Latest sale: $125,000 on Jun 09, 2017
Latest rent: —
Photo unavailable
5713 Ebley Ln
for_sale · 0.05 mi
Price: $282,000
2 bd / 2 ba · 1,127 sqft
Latest sale: $265,500
Latest rent: —
Photo unavailable
5653 Ebley Ln
sold · 0.06 mi
Price: $185,000
3 bd / 2 ba · 1,263 sqft
Latest sale: $185,000
Latest rent: —
Photo unavailable
5720 Ebley Ln
for_sale · 0.06 mi
Price: $299,800
3 bd / 2 ba · 1,165 sqft
Latest sale: $81,500
Latest rent: —
Photo unavailable
5708 Ebley Ln
sold · 0.06 mi
Price: $231,000
2 bd / 2 ba · 1,076 sqft
Latest sale: $231,000
Latest rent: —
Photo unavailable
5616 Ebley Ln
sold · 0.07 mi
Price: $215,000
2 bd / 2 ba · 1,010 sqft
Latest sale: $215,000
Latest rent: —
Photo unavailable
8121 Tremaine Ct # E
sold · 0.08 mi
Price: $113,000
1 bd / 1 ba · 875 sqft
Latest sale: $113,000 on Jul 28, 2025
Latest rent: —
Photo unavailable
8121 Tremaine Ct Apt E
sold · 0.08 mi
Price: $113,000
1 bd / 1 ba · 875 sqft
Latest sale: $113,000 on Jul 29, 2025
Latest rent: $975 on Feb 10, 2018
Photo unavailable
8024 Tremaine Ct
sold · 0.08 mi
Price: $130,000
2 bd / 2 ba · 1,003 sqft
Latest sale: $130,000 on Jul 06, 2021
Latest rent: —
Photo unavailable
8115 Tremaine Ct
sold · 0.08 mi
Price: $130,000
2 bd / 2 ba · 1,005 sqft
Latest sale: $130,000 on Aug 18, 2025
Latest rent: —
Photo unavailable
8123 Tremaine Ct
sold · 0.08 mi
Price: $125,000
2 bd / 2 ba · 1,004 sqft
Latest sale: $125,000 on May 21, 2021
Latest rent: —
Photo unavailable
8020 Tremaine Ct
sold · 0.08 mi
Price: $72,500
3 bd / 2 ba · 1,172 sqft
Latest sale: $72,500 on Jan 15, 2019
Latest rent: —
Photo unavailable
5632 Ebley Ln
sold · 0.08 mi
Price: $305,000
3 bd / 2 ba · 1,263 sqft
Latest sale: $305,000 on May 19, 2022
Latest rent: $1,790 on May 20, 2022
Properties Used for Comps
Photo unavailable
5740 Ebley Ln, Charlotte, NC, 28227
sold
Used for Rent Comp
Price: $269,900
Rent: $2,199
2 bd / 2 ba · 1,069 sqft
Sale Date: Oct 17, 2025
Distance: 0.03 mi
View listing
Photo unavailable
5719 Becton Park Dr, Charlotte, NC, 28227
sold
Price: $268,000
Rent: —
2 bd / 2 ba · 1,114 sqft
Sale Date: Mar 16, 2026
Distance: 0.04 mi
View listing
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC is present and operable (supply/return vents visible).
- Water heater and electrical panel exist and are in serviceable condition (not photographed).
- Stove and dishwasher shown are included and functioning or will be serviced prior to move-in.
- Front entry has a working lock/deadbolt (appearance suggests but not confirmed).
- Bedrooms meet egress requirements (windows appear full-size and operable from interior photos).
- No active roof leaks despite surface discoloration; discoloration indicates age/dirt rather than active failure.
- No significant concealed mold, pest infestation, or major plumbing leaks beyond what is visible in photos.
- Required smoke detectors are installed at least in common area (one visible); additional detectors in sleeping areas may be needed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,413 | $246,800 | $246,800 |
| 2024 | $1,569 | $246,800 | $246,800 |
| 2023 | $1,949 | $246,800 | $246,800 |
| 2022 | $1,309 | $122,700 | $122,700 |
| 2021 | $1,298 | $122,700 | $122,700 |
| 2020 | $1,291 | $122,700 | $122,700 |
| 2019 | $1,275 | $122,700 | $122,700 |
| 2018 | $1,222 | $87,600 | $87,600 |
| 2017 | $1,196 | $87,600 | $87,600 |
| 2016 | $1,187 | $87,600 | $87,600 |
| 2015 | $1,175 | $87,600 | $87,600 |
| 2014 | $1,187 | $87,600 | $87,600 |
| 2013 | $1,187 | $87,600 | $87,600 |
| 2012 | $1,138 | $88,300 | $88,300 |
| 2011 | $1,166 | $88,300 | $88,300 |
| 2010 | $1,201 | $88,000 | $88,000 |
| 2009 | $1,201 | $88,000 | $88,000 |
| 2008 | $1,201 | $88,000 | $88,000 |
| 2007 | $1,198 | $88,000 | $88,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-26 | Price Changed | $265,000 |
| 2026-01-15 | Price Changed | $268,000 |
| 2025-12-12 | Listed | $270,000 |
| 2025-11-07 | Sold | $251,500 |
| 2014-06-01 | Sold | $82,000 |
| 2013-12-09 | Listed | $82,000 |
| 2003-06-26 | Sold | $93,500 |
| 1989-12-01 | Sold | $67,000 |
Photo Gallery
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"home_photo": "https://ap.rdcpix.com/f822f1413d43e44d74e0c6cadb7a8c5fl-m4044107939s-w1280.jpg",
"rent_price": 1466.0,
"loan_amount": 212000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/5751-Ebley-Ln_Charlotte_NC_28227_M67586-56198",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 265000.0,
"loan_term_years": 30,
"annual_cash_flow": 13382.91,
"mortgage_monthly": 1410.44,
"payment_standard": 1778.0,
"total_amount_out": 53000.0,
"additional_photos": [
"https://ap.rdcpix.com/f822f1413d43e44d74e0c6cadb7a8c5fl-m3647870582s-w1280.jpg",
"https://ap.rdcpix.com/f822f1413d43e44d74e0c6cadb7a8c5fl-m2696877926s-w1280.jpg",
"https://ap.rdcpix.com/f822f1413d43e44d74e0c6cadb7a8c5fl-m3726235612s-w1280.jpg",
"https://ap.rdcpix.com/f822f1413d43e44d74e0c6cadb7a8c5fl-m1136497947s-w1280.jpg",
"https://ap.rdcpix.com/f822f1413d43e44d74e0c6cadb7a8c5fl-m523623755s-w1280.jpg",
"https://ap.rdcpix.com/f822f1413d43e44d74e0c6cadb7a8c5fl-m3983831252s-w1280.jpg",
"https://ap.rdcpix.com/f822f1413d43e44d74e0c6cadb7a8c5fl-m1942210997s-w1280.jpg",
"https://ap.rdcpix.com/f822f1413d43e44d74e0c6cadb7a8c5fl-m665862903s-w1280.jpg",
"https://ap.rdcpix.com/f822f1413d43e44d74e0c6cadb7a8c5fl-m3241198240s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 82.88,
"monthly_cash_flow": 1115.24,
"property_tax_rate": 0.008,
"_utility_allowance": {
"sources": [
"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/NC003/sources/utility/wp-content_uploads_2025_12_UA-2.1.26.raster.pdf"
],
"effective_date": "2026-02-01"
},
"utility_allowances": [
{
"note": "Selected based on the property having 'Central Air' and being a 2-bedroom unit.",
"utility": "air_conditioning",
"allowance": 16
},
{
"note": "Property info specifies an 'Electric Range'. The 'electric' option for a 2-bedroom unit was selected.",
"utility": "cooking",
"allowance": 9
},
{
"note": "Included because natural gas is inferred to be used for heating and water heating.",
"utility": "gas_service_fee",
"allowance": 11
},
{
"note": "Heating fuel was inferred as Natural Gas based on details from nearby properties. 'Natural gas' option for a 2-bedroom unit was selected.",
"utility": "heating",
"allowance": 71
},
{
"note": "Standard allowance for general electricity (lights, outlets, etc.) for a 2-bedroom unit.",
"utility": "other_electric",
"allowance": 65
},
{
"note": "The property lists 'Electric Range' under appliances, which is assumed to be landlord-provided. The allowance is for tenant-owned appliances.",
"utility": "range_stove",
"allowance": 0
},
{
"note": "A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned and the corresponding allowance is included.",
"utility": "refrigerator",
"allowance": 12
},
{
"note": "Property info specifies 'Public Sewer'. Allowance for a 2-bedroom unit selected.",
"utility": "sewer",
"allowance": 76
},
{
"note": "Property info specifies 'Water Source: City'. Allowance for a 2-bedroom unit selected.",
"utility": "water",
"allowance": 24
},
{
"note": "Water heating fuel was inferred as Natural Gas based on details from nearby properties. 'Natural gas' option for a 2-bedroom unit was selected.",
"utility": "water_heating",
"allowance": 28
}
],
"cash_on_cash_return": 0.25,
"down_payment_amount": 53000.0,
"property_tax_annual": 1455.39,
"property_tax_monthly": 121.28,
"property_tax_increase": 0.03,
"utility_allowance_total": 312.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.inlivian.com/landlords-owners/payment-standards/",
"https://www.inlivian.com/wp-content/uploads/2024/05/7.1.25-PS-No-census-tracts.pdf"
],
"effective_date": "2025-07-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -3542.39,
"property_management_monthly": 146.6,
"monthly_cash_flow_after_debt": -295.2,
"cash_on_cash_return_after_debt": -0.07
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 2-bed, 2-bath single-family home presents as largely turnkey for Section 8 tenancy with clean, updated interior finishes, working kitchen appliances visible, functioning central HVAC vents, and basic safety devices visible (smoke alarm). Major life-safety or structural failures are not apparent in photos. Remaining inspection risk centers on items not photographed: carbon monoxide alarms, GFCI verification, electrical panel condition, water heater and HVAC operation, and fireplace venting. With quick on-site verification and minor remediation if needed (install CO alarm, confirm/replace GFCI outlets, verify smoke alarms in sleeping areas), this property is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.0,
"rationale": "Interior photos show recently refinished-looking laminate floors, fresh paint, intact drywall, no visible water stains, and installed appliances (stove, dishwasher). Kitchen cabinets and counters are in good condition; fireplace surround finished. Exterior siding and trim appear intact with tidy landscaping. No missing major fixtures visible. Minor cosmetic updates (trim touch-ups, possible roof cleaning) may be needed but no deferred-maintenance signs that would block rental readiness. Missing items that cannot be photographed (window locks, closet hardware) assumed present."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 78.0,
"rationale": "Visible smoke detector on main ceiling indicates some life-safety devices present. Bedrooms have full-size egress windows and doors look secure; no visible exposed wiring, loose handrails, or trip hazards in photos. Kitchen and bathroom GFCI presence not clearly visible (kitchen outlets appear standard). Carbon monoxide detector not visible in photos. Fireplace is present and would require confirmation of safe venting/operation. No visible water intrusion or mold. Because several NSPIRE safety items (CO alarm, GFCI verification, electrical panel condition, operable smoke detectors in every sleeping area) cannot be fully confirmed from photos, moderate inspection risk remains but no immediate life-threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 75.0,
"rationale": "Ceiling supply/return vents visible indicating central HVAC; no visible equipment issues. Stainless electric range and dishwasher appear installed and in good condition. Roof shows typical age-related discoloration but no visible sagging or missing shingles in photos. Water heater, electrical panel, and HVAC equipment were not photographed so their condition is assumed serviceable but unverified. Because major systems are not fully documented in photos, score is moderate — likely functional but requires on-site verification (water heater, furnace/AC operation, electrical panel labeling, hot water availability)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 84.0,
"rationale": "Front elevation shows intact siding, trim and a sound concrete driveway/walkway. Yard is low-maintenance and drained reasonably away from the foundation in photos; landscaping is tidy. No visible foundation cracks, standing water, or pest infestation evidence. Roof appears aged and could need maintenance/replacement in coming years but currently shows no active leak indicators from exterior photography."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Central HVAC is present and operable (supply/return vents visible).",
"Water heater and electrical panel exist and are in serviceable condition (not photographed).",
"Stove and dishwasher shown are included and functioning or will be serviced prior to move-in.",
"Front entry has a working lock/deadbolt (appearance suggests but not confirmed).",
"Bedrooms meet egress requirements (windows appear full-size and operable from interior photos).",
"No active roof leaks despite surface discoloration; discoloration indicates age/dirt rather than active failure.",
"No significant concealed mold, pest infestation, or major plumbing leaks beyond what is visible in photos.",
"Required smoke detectors are installed at least in common area (one visible); additional detectors in sleeping areas may be needed."
],
"overall_score": 81.0,
"rubric_version": "nspr-2025-v1"
},
{
"summary": "This 2-bed, 2-bath single-family property presents as well maintained and cosmetically ready for tenancy. Interior finishes, flooring, kitchen appliances and lighting are in good visible condition. From the photos it is likely to pass an initial HCV/NSPIRE inspection after standard verification tasks (test/replace smoke and CO alarms if required, confirm GFCI protection at sink, install/verify deadbolt on entry door, and confirm HVAC/water heater operation). The main longer-term item to monitor is the roof, which shows aging/staining and may need evaluation or replacement in the near future. Overall the property appears rentable with only minor repairs and verification needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior photos show fresh paint, consistent, intact laminate flooring, intact trim, functioning ceiling fans and light fixtures, working-looking kitchen appliances (range, dishwasher) and granite counters. Exterior siding and landscaping are tidy. No visible damaged drywall, torn flooring, or major cosmetic defects. Missing small items (if any) would be cosmetic. Overall appears well-maintained and only minor cosmetic/touch-up work likely needed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "A ceiling smoke detector is visible in the living area. Bedrooms have windows that appear adequate for egress. No exposed wiring or visible mold, no blocked exits, and interior stairs/handrails not applicable (single-story). Door hardware is present but a deadbolt is not clearly visible in photos. GFCI protection at kitchen sink outlets is not clearly visible in photos. No signs of active water intrusion or major structural issues. Because some required items (CO alarm, GFCI, electrical panel access, deadbolt) cannot be fully confirmed from photos, a moderate safety score is assigned pending verification."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "HVAC vents are visible in ceilings indicating forced-air system presence, and kitchen appliances are installed and appear operational. Water heater, electrical panel, and HVAC mechanical equipment are not shown. Roof appears aged with staining/discoloration on shingles suggesting remaining life but not active failure visible in photos. Without direct inspection of mechanical equipment, give moderate score reflecting likely functionality but reasonable unseen risk (roof age, unknown water heater/AC condition)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Front yard, driveway and walkway are serviceable; siding and trim appear intact; shrubs trimmed and a vinyl fence is visible in the yard. No visible foundation settlement or large exterior cracks in provided photos. Roof shows staining and age but no visible sag or missing sections. Overall neat and low-maintenance exterior but roof condition reduces the score slightly."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Smoke detector shown in living area is operational; additional detectors (bedrooms/hallways) will be present or installed if required.",
"No active roof leaks exist despite visible shingle staining/age; staining indicates age rather than current leakage.",
"HVAC system is present and operational because ceiling vents are visible; full service history and functionality not supplied.",
"Water heater and electrical panel exist and are functional though not pictured.",
"Bedrooms have code-compliant egress based on visible windows in bedroom photos.",
"Kitchen has electrical outlets (GFCI status not visible) and plumbing is functional; stove and dishwasher appear to be connected and in working order in photos.",
"Entry door is secure; a deadbolt may need verification/installation if not present.",
"No severe concealed issues (major mold, structural movement, or active leaks) beyond what is visible in photos; if severe hidden conditions exist, score would be lower."
],
"overall_score": 79.0,
"rubric_version": "ns_1.0_photos_v1"
},
{
"summary": "Overall this 2-bed/2-bath single-family house appears rent-ready with only minor repairs and verification needed. Interior finishes and appliances (range, dishwasher) look in good condition; flooring, paint and fixtures are clean. Primary inspection risks are lack of photographic confirmation for CO/smoke detectors in sleeping areas, GFCI outlets, and mechanical equipment (water heater, HVAC, electrical panel). A roof inspection is recommended due to surface aging. Likely a Section 8/HCV initial inspection pass after quick verification/installation of required detectors and addressing any small electrical GFCI or appliance staging needs — timeline: ~1-3 weeks for readiness if systems operational.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior finishes are clean and recently refreshed: laminate floors in good visible condition, fresh paint, intact trim and cabinetry. Kitchen has range and dishwasher; refrigerator not visible (likely missing). Minor cosmetic items only (trim touch-ups, possible appliance staging). No visible water stains, peeling paint, or damaged drywall. Overall turnkey with only minor cosmetic/fixture work expected."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "Visible smoke alarm in main living area and clear bedroom egress windows. No exposed wiring, no obvious trip hazards, and entry door appears secure. GFCI outlets and electrical panel not visible in photos. A fireplace with a glass front is present (looks like gas) but no carbon-monoxide detector is visible in the photos — CO protection may be required depending on fuel source and local code. Because several NSPIRE-required items (CO detector location, outlet GFCI, deadbolt, smoke detectors in bedrooms/hallway, electrical panel labeling) could not be confirmed from photos, score assumes typical compliance but deducts for unknowns."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Ceiling HVAC supply/return vents visible indicating central HVAC likely present. Kitchen appliances (electric range, dishwasher) appear in good condition. Roof appears aged with surface staining/algae but no visible sagging or active leaks from interior photos. Water heater, electrical panel, and furnace/AC equipment are not shown — assumed present and operational but unverified. Score reflects likely functioning systems but deducts for lack of visible confirmation and roof aging."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Front exterior siding, trim, windows, driveway and walkways appear intact and well maintained. Yard is tidy and low-maintenance; shrubs trimmed. No visible foundation displacement, standing water, or major exterior damage. Roof shows surface discoloration/aging but no collapsed areas. Fencing visible at rear looks intact. Overall exterior condition is good with a recommendation to inspect roof life expectancy and gutters."
}
],
"red_flags": [
"No visible carbon-monoxide detector in photos while a fireplace (likely gas) is present — CO detector may be required and is a safety concern if absent."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational (supply/return vents visible in ceilings).",
"Water heater and electrical service/panel exist and are intact but were not photographed.",
"The fireplace is gas or direct-vent (glass front); exact fuel type unconfirmed.",
"No major concealed water intrusion or mold beyond what is visible in photos.",
"Front entry has at least a functioning lock; presence of a deadbolt is assumed but not verified.",
"Refrigerator is not present in photos and may be missing; range and dishwasher are present and assumed operable.",
"Bedrooms have egress windows (visible) and are sized per listing; window operation assumed functional.",
"No recent rental history within the last 5 years (snapshot provided) and therefore rental_history_activity is excluded from scoring."
],
"overall_score": 76.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5751 Ebley Ln, Charlotte, NC, 28227",
"aggregate": {
"summary": "Overall this 2-bed, 2-bath single-family home presents as largely turnkey for Section 8 tenancy with clean, updated interior finishes, working kitchen appliances visible, functioning central HVAC vents, and basic safety devices visible (smoke alarm). Major life-safety or structural failures are not apparent in photos. Remaining inspection risk centers on items not photographed: carbon monoxide alarms, GFCI verification, electrical panel condition, water heater and HVAC operation, and fireplace venting. With quick on-site verification and minor remediation if needed (install CO alarm, confirm/replace GFCI outlets, verify smoke alarms in sleeping areas), this property is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 83.7,
"rationale": "Interior photos show recently refinished-looking laminate floors, fresh paint, intact drywall, no visible water stains, and installed appliances (stove, dishwasher). Kitchen cabinets and counters are in good condition; fireplace surround finished. Exterior siding and trim appear intact with tidy landscaping. No missing major fixtures visible. Minor cosmetic updates (trim touch-ups, possible roof cleaning) may be needed but no deferred-maintenance signs that would block rental readiness. Missing items that cannot be photographed (window locks, closet hardware) assumed present."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 81.3,
"rationale": "Front elevation shows intact siding, trim and a sound concrete driveway/walkway. Yard is low-maintenance and drained reasonably away from the foundation in photos; landscaping is tidy. No visible foundation cracks, standing water, or pest infestation evidence. Roof appears aged and could need maintenance/replacement in coming years but currently shows no active leak indicators from exterior photography."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 77.0,
"rationale": "Visible smoke detector on main ceiling indicates some life-safety devices present. Bedrooms have full-size egress windows and doors look secure; no visible exposed wiring, loose handrails, or trip hazards in photos. Kitchen and bathroom GFCI presence not clearly visible (kitchen outlets appear standard). Carbon monoxide detector not visible in photos. Fireplace is present and would require confirmation of safe venting/operation. No visible water intrusion or mold. Because several NSPIRE safety items (CO alarm, GFCI verification, electrical panel condition, operable smoke detectors in every sleeping area) cannot be fully confirmed from photos, moderate inspection risk remains but no immediate life-threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 71.7,
"rationale": "Ceiling supply/return vents visible indicating central HVAC; no visible equipment issues. Stainless electric range and dishwasher appear installed and in good condition. Roof shows typical age-related discoloration but no visible sagging or missing shingles in photos. Water heater, electrical panel, and HVAC equipment were not photographed so their condition is assumed serviceable but unverified. Because major systems are not fully documented in photos, score is moderate — likely functional but requires on-site verification (water heater, furnace/AC operation, electrical panel labeling, hot water availability)."
}
],
"red_flags": [],
"confidence": 0.9,
"assumptions": [
"Central HVAC is present and operable (supply/return vents visible).",
"Water heater and electrical panel exist and are in serviceable condition (not photographed).",
"Stove and dishwasher shown are included and functioning or will be serviced prior to move-in.",
"Front entry has a working lock/deadbolt (appearance suggests but not confirmed).",
"Bedrooms meet egress requirements (windows appear full-size and operable from interior photos).",
"No active roof leaks despite surface discoloration; discoloration indicates age/dirt rather than active failure.",
"No significant concealed mold, pest infestation, or major plumbing leaks beyond what is visible in photos.",
"Required smoke detectors are installed at least in common area (one visible); additional detectors in sleeping areas may be needed."
],
"score_method": "mean_of_criteria",
"overall_score": 78.6,
"rubric_version": "nspr-2025-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6758656198"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.