Property ID: 7013730075
9607 Red Lane Dr, Birmingham, AL, 35215
Birmingham, AL
Money Down: $26,376
CoC Return: 21.90%
Monthly Cash Flow: $481
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,980
Closing Costs
$4,396
Total Down
$26,376
Investment Snapshot
Purchase Price
$109,900
Money Down
$26,376
Cash-on-Cash Return
21.90%
Rent
$1,442
Monthly Cash Flow
$481
Annual Cash Flow
$5,777
Debt Service / Mo
$585
Property Tax / Mo
$150
Insurance / Mo
$82
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,442
Payment Standard
$1,969
Rent
$1,442
Insurance
$82
Property Tax
$150
Management
$144
Utilities Allowance
$527
NOI (Monthly)
$1,066
Debt Service
$585
Cash Flow After Debt
$481
Quality Score: 62.00%
Confidence: 76.00%
Based on the exterior photo and listing, this 1955 single-family home appears to be in fair condition and likely to pass an initial HCV/NSPIRE inspection after minor to moderate repairs and interior-verification items. Primary concerns are unverified interior safety items (smoke/CO detectors, GFCI outlets, bedroom egress), an aging roof with debris that should be evaluated, and unconfirmed mechanical systems (HVAC, water heater, electrical panel). With targeted repairs/verification (install/confirm detectors, verify HVAC/hot water, repair/address roof debris and driveway), the property is likely rent-ready within 30–60 days.
Section 8 Payment Standard
$1,969
Utility Allowance Total
$527
Guaranteed Section 8 Rent (PS - Utilities)
$1,442
Property Management
$144
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,900
Beds
4
Baths
1
Living Area
1,504 sqft
Lot Size
22,651 sqft
Year Built
1955
Days on Market
32
Capital Outlay
$26,376
Debt Service
$585
Property Tax / Mo
$150
Insurance / Mo
$82
Property Description
Tidy as a pin or clean as a whistle... take your choice! This homelives large with 4 bedrooms! Budget friendly for an owner-occupant or a great addition to any rental portfolio.
Utility Allowances
Heating
$49
Property has 'Gas Jets' for heating. Spire is selected as the most common natural gas provider in the area.
Water Heating
$45
Property has a 'Gas Water Heater'. Spire is selected as the most common natural gas provider in the area.
Cooking
$19
No cooking appliance is listed as provided, so it's assumed to be tenant-owned. Natural gas is selected to align with the property's other gas utilities (heating, water heating).
Cooling
$28
Property has 'Central Air' cooling, which is electric. Alabama Power is selected as the primary electric provider for the region.
Other Electric
$87
Covers general electric use for lights and other appliances. Alabama Power is selected as the primary regional provider.
Water
$88
Property has 'Public Water'. The 'Water: Birmingham' provider is selected based on the property's city address.
Sewer
$177
Property has 'Sewer Connected' and this property type has a fixed allowance for it.
Trash Collection
$20
Trash service is not specified. 'Jefferson City' is selected as a general option for addresses within the county.
Refrigerator
$8
A refrigerator is not listed as provided in the property details, so this allowance for a tenant-owned appliance is included.
Range/Microwave
$6
A microwave is not listed as provided in the property details, so this allowance for a tenant-owned appliance is included.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$822
DP3 Annual Estimate$1,135
DP1 Monthly Equivalent$68
DP3 Monthly Equivalent$95
Replacement Value$108,600
Basis1,504 sqft / 1955
Nearby Houses
Photo unavailable
9608 Red Lane Dr
sold · 0.04 mi
Price: $30,000
3 bd / 1 ba · 1,100 sqft
Latest sale: $30,000 on Jul 23, 2018
Latest rent: —
Photo unavailable
101 Rosebud Rd
sold · 0.05 mi
Price: $108,000
3 bd / 2 ba · 1,311 sqft
Latest sale: $108,000 on Oct 12, 2023
Latest rent: $1,125 on Oct 18, 2023
Photo unavailable
4 96th St N
sold · 0.07 mi
Price: $123,000
3 bd / 2 ba · 1,704 sqft
Latest sale: $123,000 on Sep 09, 2019
Latest rent: —
Photo unavailable
132 Rosebud Rd
sold · 0.07 mi
Price: $187,500
3 bd / 2 ba · 1,497 sqft
Latest sale: $187,500 on May 22, 2025
Latest rent: —
Photo unavailable
129 Rosebud Rd
sold · 0.10 mi
Price: $65,000
3 bd / 1 ba · 1,092 sqft
Latest sale: $65,000 on Feb 26, 2021
Latest rent: —
Photo unavailable
9709 Red Lane Dr
sold · 0.12 mi
Price: $63,000
3 bd / 1 ba · 1,470 sqft
Latest sale: $63,000 on Oct 23, 2023
Latest rent: $1,500 on Mar 04, 2024
Photo unavailable
9712 Red Lane Dr
sold · 0.13 mi
Price: $155,000
3 bd / 2 ba · 1,256 sqft
Latest sale: $155,000 on Feb 28, 2025
Latest rent: —
Photo unavailable
105 96th St N
sold · 0.13 mi
Price: $70,000
3 bd / 1 ba · 1,016 sqft
Latest sale: $70,000 on Nov 08, 2024
Latest rent: $1,050 on May 19, 2025
Photo unavailable
109 96th St N
sold · 0.14 mi
Price: $25,000
3 bd / 1 ba · 1,140 sqft
Latest sale: $25,000 on Dec 12, 2023
Latest rent: —
Photo unavailable
113 Red Lane Cir
sold · 0.14 mi
Price: $136,000
3 bd / 1 ba · 1,199 sqft
Latest sale: $136,000 on Jun 10, 2021
Latest rent: —
Photo unavailable
117 Red Lane Cir
sold · 0.14 mi
Price: $79,900
3 bd / 1 ba
Latest sale: $79,900 on Oct 13, 2016
Latest rent: —
Photo unavailable
120 95th St N
sold · 0.18 mi
Price: $40,000
2 bd / 1 ba · 864 sqft
Latest sale: $40,000 on Dec 13, 2018
Latest rent: $650 on May 18, 2017
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior condition is reasonably tidy as stated in listing; no visible major interior damage is present.
- Smoke and carbon monoxide detectors, GFCI outlets, and bedroom egress windows are not visible in photos and therefore are unconfirmed.
- An active heating and possibly cooling system exists but outdoor condenser or mechanicals are not visible from the provided photo; systems require verification.
- No visible foundation movement, structural sagging, or collapsed ceilings are present based on exterior photo; interior could reveal additional issues.
- Missing/older appliances are not treated as automatic safety failures; their presence or absence will affect tenant readiness but not be scored as structural hazard here.
- Rental record indicating a 2025 rental event means property has recent rental activity; this is treated as a bonus criterion and not included in the weighted score.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,747 | $125,600 | $25,120 |
| 2023 | $1,747 | $120,500 | $24,100 |
| 2022 | $1,576 | $108,700 | $21,740 |
| 2021 | $1,328 | $91,600 | $18,320 |
| 2020 | $1,328 | $91,600 | $18,320 |
| 2019 | $1,328 | $91,600 | $18,320 |
| 2018 | $566 | $87,900 | $8,800 |
| 2017 | $566 | $87,900 | $8,800 |
| 2016 | $566 | $87,900 | $8,800 |
| 2015 | $566 | $87,900 | $8,800 |
| 2013 | $535 | $86,600 | $8,660 |
| 2012 | $535 | $86,600 | $8,660 |
| 2011 | $544 | $87,900 | $8,790 |
| 2010 | $544 | $87,900 | $8,790 |
| 2009 | $544 | $87,900 | $8,790 |
| 2008 | $558 | $89,900 | $8,990 |
| 2007 | $549 | $88,700 | $8,870 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-03-11 | Sold | $110,000 |
| 2023-08-25 | Sold | $110,000 |
| 2023-06-20 | Sold | $110,000 |
| 2018-03-14 | Sold | $40,000 |
| 2017-12-07 | Sold | $49,900 |
| 2005-03-24 | Sold | $83,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-05-13 | Listed for rent | $1,250 | — |
| 2018-04-21 | Listed for rent | $825 | — |
Photo Gallery
Show raw JSON (debug)
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"list_date": "2022-10-20T13:52:10Z",
"list_price": 1285,
"listing_id": "2949077444",
"last_update_date": "2023-02-14T18:58:56Z",
"last_status_change_date": "2023-03-14T13:43:56Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "30905726",
"price_change_percentage": null
},
{
"date": "2022-10-20",
"price": 1295,
"listing": {
"status": "off_market",
"list_date": "2022-10-20T13:52:10Z",
"list_price": 1285,
"listing_id": "2949077444",
"last_update_date": "2023-02-14T18:58:56Z",
"last_status_change_date": "2023-03-14T13:43:56Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8610372340425532,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "30905726",
"price_change_percentage": null
},
{
"date": "2022-10-20",
"price": 1295,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1285,
"listing_id": "632393371",
"last_update_date": "2023-02-04T10:52:23Z",
"last_status_change_date": "2023-03-14T18:13:59Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8610372340425532,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4035785",
"price_change_percentage": null
},
{
"date": "2022-08-18",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-04-18T16:03:53Z",
"list_price": 127000,
"listing_id": "2942192392",
"last_update_date": "2022-04-18T17:55:17Z",
"last_status_change_date": "2022-08-18T20:54:20Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "122 days",
"source_listing_id": "1317406",
"price_change_percentage": null
},
{
"date": "2022-04-18",
"price": 127000,
"listing": {
"status": "off_market",
"list_date": "2022-04-18T16:03:53Z",
"list_price": 127000,
"listing_id": "2942192392",
"last_update_date": "2022-04-18T17:55:17Z",
"last_status_change_date": "2022-08-18T20:54:20Z"
},
"event_name": "Listed",
"price_sqft": 84.44148936170212,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1317406",
"price_change_percentage": "+217.50%"
},
{
"date": "2018-05-16",
"price": 850,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1285,
"listing_id": "632393371",
"last_update_date": "2023-02-04T10:52:23Z",
"last_status_change_date": "2023-03-14T18:13:59Z"
},
"event_name": "Listing removed",
"price_sqft": 0.5651595744680851,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4035785",
"price_change_percentage": null
},
{
"date": "2018-05-01",
"price": 850,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1285,
"listing_id": "632393371",
"last_update_date": "2023-02-04T10:52:23Z",
"last_status_change_date": "2023-03-14T18:13:59Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.5651595744680851,
"source_name": "AppfolioUnits",
"price_change": 25,
"days_after_listed": null,
"source_listing_id": "4035785",
"price_change_percentage": null
},
{
"date": "2018-04-21",
"price": 825,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1285,
"listing_id": "632393371",
"last_update_date": "2023-02-04T10:52:23Z",
"last_status_change_date": "2023-03-14T18:13:59Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.5485372340425532,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4035785",
"price_change_percentage": null
},
{
"date": "2018-03-14",
"price": 40000,
"listing": {
"status": "sold",
"list_date": "2019-02-11T18:16:07Z",
"list_price": 54900,
"listing_id": "627900979",
"last_update_date": "2018-03-22T19:19:00Z",
"last_status_change_date": "2019-02-11T18:16:07Z"
},
"event_name": "Sold",
"price_sqft": 26.595744680851062,
"source_name": "GreaterAlabamaMLS",
"price_change": -14900,
"days_after_listed": "93 days",
"source_listing_id": "802244",
"price_change_percentage": "-27.14%"
},
{
"date": "2017-12-11",
"price": 54900,
"listing": {
"status": "sold",
"list_date": "2019-02-11T18:16:07Z",
"list_price": 54900,
"listing_id": "627900979",
"last_update_date": "2018-03-22T19:19:00Z",
"last_status_change_date": "2019-02-11T18:16:07Z"
},
"event_name": "Listed",
"price_sqft": 36.50265957446808,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "802244",
"price_change_percentage": null
},
{
"date": "2008-07-16",
"price": 93000,
"listing": {
"status": "off_market",
"list_date": "2008-01-16T07:00:00Z",
"list_price": 93000,
"listing_id": "541978335",
"last_update_date": "2008-07-17T12:00:00Z",
"last_status_change_date": "2008-07-16T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "182 days",
"source_listing_id": "375209",
"price_change_percentage": null
},
{
"date": "2008-01-16",
"price": 93000,
"listing": {
"status": "off_market",
"list_date": "2008-01-16T07:00:00Z",
"list_price": 93000,
"listing_id": "541978335",
"last_update_date": "2008-07-17T12:00:00Z",
"last_status_change_date": "2008-07-16T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "375209",
"price_change_percentage": null
},
{
"date": "2007-12-14",
"price": 93000,
"listing": {
"status": "off_market",
"list_date": "2007-06-14T07:00:00Z",
"list_price": 93000,
"listing_id": "541887931",
"last_update_date": "2007-12-15T13:00:00Z",
"last_status_change_date": "2007-12-14T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "183 days",
"source_listing_id": "344936",
"price_change_percentage": null
},
{
"date": "2007-06-14",
"price": 93000,
"listing": {
"status": "off_market",
"list_date": "2007-06-14T07:00:00Z",
"list_price": 93000,
"listing_id": "541887931",
"last_update_date": "2007-12-15T13:00:00Z",
"last_status_change_date": "2007-12-14T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "344936",
"price_change_percentage": "+11.38%"
},
{
"date": "2005-03-15",
"price": 83500,
"listing": {
"status": "sold",
"list_date": "2005-02-01T07:00:00Z",
"list_price": 83500,
"listing_id": "542119831",
"last_update_date": "2005-03-16T20:57:10Z",
"last_status_change_date": "2005-03-15T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "42 days",
"source_listing_id": "255059",
"price_change_percentage": "$0"
},
{
"date": "2005-02-01",
"price": 83500,
"listing": {
"status": "sold",
"list_date": "2005-02-01T07:00:00Z",
"list_price": 83500,
"listing_id": "542119831",
"last_update_date": "2005-03-16T20:57:10Z",
"last_status_change_date": "2005-03-15T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "255059",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7013730075",
"generated_at": "2026-02-16T03:05:57.633231Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 62.0
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/17849e595fc98891a8b8a6c4ed8aa53el-m2873595727s-w1280.jpg",
"rent_price": 1442.0,
"loan_amount": 87920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/9607-Red-Lane-Dr_Birmingham_AL_35215_M70137-30075",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 109900.0,
"loan_term_years": 30,
"annual_cash_flow": 12795.69,
"mortgage_monthly": 584.93,
"payment_standard": 1969.0,
"total_amount_out": 21980.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 81.54,
"monthly_cash_flow": 1066.31,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has 'Gas Jets' for heating. Spire is selected as the most common natural gas provider in the area.",
"utility": "Heating",
"allowance": 49
},
{
"note": "Property has a 'Gas Water Heater'. Spire is selected as the most common natural gas provider in the area.",
"utility": "Water Heating",
"allowance": 45
},
{
"note": "No cooking appliance is listed as provided, so it's assumed to be tenant-owned. Natural gas is selected to align with the property's other gas utilities (heating, water heating).",
"utility": "Cooking",
"allowance": 19
},
{
"note": "Property has 'Central Air' cooling, which is electric. Alabama Power is selected as the primary electric provider for the region.",
"utility": "Cooling",
"allowance": 28
},
{
"note": "Covers general electric use for lights and other appliances. Alabama Power is selected as the primary regional provider.",
"utility": "Other Electric",
"allowance": 87
},
{
"note": "Property has 'Public Water'. The 'Water: Birmingham' provider is selected based on the property's city address.",
"utility": "Water",
"allowance": 88
},
{
"note": "Property has 'Sewer Connected' and this property type has a fixed allowance for it.",
"utility": "Sewer",
"allowance": 177
},
{
"note": "Trash service is not specified. 'Jefferson City' is selected as a general option for addresses within the county.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as provided in the property details, so this allowance for a tenant-owned appliance is included.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as provided in the property details, so this allowance for a tenant-owned appliance is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.58,
"down_payment_amount": 21980.0,
"property_tax_annual": 1799.41,
"property_tax_monthly": 149.95,
"property_tax_increase": 0.03,
"utility_allowance_total": 527.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 5776.48,
"property_management_monthly": 144.2,
"monthly_cash_flow_after_debt": 481.37,
"cash_on_cash_return_after_debt": 0.26
},
"section8_assessment": {
"runs": [
{
"summary": "Based on the exterior photo and listing, this 1955 single-family home appears to be in fair condition and likely to pass an initial HCV/NSPIRE inspection after minor to moderate repairs and interior-verification items. Primary concerns are unverified interior safety items (smoke/CO detectors, GFCI outlets, bedroom egress), an aging roof with debris that should be evaluated, and unconfirmed mechanical systems (HVAC, water heater, electrical panel). With targeted repairs/verification (install/confirm detectors, verify HVAC/hot water, repair/address roof debris and driveway), the property is likely rent-ready within 30–60 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 65.0,
"rationale": "Exterior shows an older but intact single-story rental (1955). Siding and awnings are aged and dirty; driveway is cracked; small shrubs are overgrown. No visible collapsed surfaces or major exterior structural damage. Listing text describes the interior as 'tidy' which suggests cosmetic condition inside is likely acceptable. Missing interior photos prevent confirmation of flooring, cabinets, or bathroom condition; no appliances are visible from exterior. Overall this appears to need primarily cosmetic and minor repair work (cleaning, possible paint/awnings replacement, driveway patching) rather than major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "No interior photos to confirm smoke/CO detectors, GFCI outlets, or bedroom egress windows. Exterior steps have a metal handrail present which mitigates one stair hazard. Overhead service line and connection to house are visible — not necessarily unsafe but worth inspection. No visible major trip hazards, collapsed ceilings, standing water, or obvious mold from exterior view. Given age of home (1955) there is increased risk of outdated electrical or peeling lead-risk paint; absence of interior evidence reduces confidence. Moderate risk for NSPIRE items until interior inspection verifies detectors, GFCI, and egress."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 50.0,
"rationale": "No outdoor HVAC condenser, water heater, or meter photos provided; roof shows aging shingles and leaf/debris accumulation which could indicate deferred roof maintenance. Electrical service drop is visible; panel condition not visible. Plumbing fixtures and hot water cannot be confirmed. Because systems are not evidenced in listing photos and the roof appears aged, assign moderate risk — systems may be functional but will require verification (HVAC operation, water heater, electrical panel, roof condition)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.0,
"rationale": "Lot and yard appear reasonably maintained aside from low landscaping upkeep and some driveway deterioration. Siding appears intact with no obvious foundation displacement or large cracks visible from photo. No visible standing water, major drainage problems, or infestation signs in the photo. Property appears typical for an older rental lot and likely passable for exterior NSPIRE items after minor cleaning and maintenance."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Interior condition is reasonably tidy as stated in listing; no visible major interior damage is present.",
"Smoke and carbon monoxide detectors, GFCI outlets, and bedroom egress windows are not visible in photos and therefore are unconfirmed.",
"An active heating and possibly cooling system exists but outdoor condenser or mechanicals are not visible from the provided photo; systems require verification.",
"No visible foundation movement, structural sagging, or collapsed ceilings are present based on exterior photo; interior could reveal additional issues.",
"Missing/older appliances are not treated as automatic safety failures; their presence or absence will affect tenant readiness but not be scored as structural hazard here.",
"Rental record indicating a 2025 rental event means property has recent rental activity; this is treated as a bonus criterion and not included in the weighted score."
],
"overall_score": 60.0,
"rubric_version": "ns_pire_v1.0"
},
{
"summary": "Based on exterior photos and listing text, this 1955 single‑family home appears structurally sound with wear consistent with age. Most issues seen are cosmetic or routine maintenance (roof aging, paint/trim, driveway, landscaping). Critical safety and systems items (smoke/CO detectors, GFCI, HVAC operation, hot water, electrical panel) cannot be confirmed from the exterior image and should be verified. With basic safety checks and likely minor repairs/servicing (install/verify detectors, GFCI testing, HVAC tune, roof inspection/spot shingle replacement, clean gutters/landscape), the property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within ~30 days. Score reflects 'minor repairs; likely rent-ready within 30 days.'",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 70.0,
"rationale": "Exterior photos show an older but intact single‑story home with siding/awnings in worn-but-serviceable condition, intact front steps and handrail, and minor yard overgrowth. No collapsed surfaces, major exterior damage, or visible broken windows. Visible issues are mostly cosmetic and routine (driveway cracking, trim paint/wear, roof debris). Missing interior photos prevent verification of appliances and interior finishes; listing text describes the home as tidy. Easy-to-fix/capital items likely: paint/trim, driveway patching, minor roof shingle replacement, landscaping. These do not indicate major rehab."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risks",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible from exterior: steps have a handrail, no collapsed ceilings or standing water observed, and entry appears secure. However critical safety items cannot be confirmed from the photo: presence/placement/operation of smoke detectors and CO alarms, GFCI protection in kitchen/bath, interior exposed wiring or open electrical panels, operable hot water, and bedroom egress compliance. The house was built in 1955 (potential for lead‑paint surface if peeling), and there is an overhead service drop visible — service appears intact but panel condition unknown. Likely passable after basic verification/installation of alarms and GFCI and minor electrical checks; these are moderate inspection risks until confirmed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Roof, Electrical)",
"score": 60.0,
"rationale": "Roof appears aged with leaf/debris accumulation and some wear to shingles — not an obvious active leak in photo but likely near mid‑service life and will need inspection/maintenance. No exterior HVAC condenser is visible (could be on side/back or window units), so heating/cooling presence and condition are unverified. Plumbing, water heater, electrical panel, and hot water supply cannot be seen from exterior. Given age, expect some system servicing (HVAC tune, plumbing check, electrical panel verification). These are moderate-risk systems items until inspected; absence of visible failure keeps it out of high-risk category."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 70.0,
"rationale": "Yard and site show minor neglect: overgrown shrubs, patchy lawn, and a cracked/soiled driveway. Siding appears intact; foundation looks continuous with no obvious large cracks or settlement visible in the provided image. No standing water, major drainage failure, or infestation evidence visible. Curb appeal is low-to-moderate but site issues are repairable and do not suggest structural failure."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior condition is roughly consistent with listing description 'tidy' and not showing severe deferred maintenance.",
"Smoke detectors and carbon monoxide alarms are not visibly present in photos and must be verified/installed; assume they may be missing or need replacement.",
"HVAC (heating system and/or A/C) exists but its operational status is unknown; assume service/inspection will be required.",
"Hot water and plumbing are present but unverified; assume functional until proven otherwise, but budget for minor repairs.",
"No obvious foundation movement or structural sagging visible in provided exterior photo; assume no major structural defects unless interior/other‑angle photos indicate otherwise.",
"No interior electrical hazards are visible from the exterior; assume electrical panel is present and intact but needs verification for GFCI and proper labeling.",
"Listing photo is representative of current condition and there are no undisclosed recent major damages."
],
"overall_score": 70.0,
"rubric_version": "nspr-2026-v1"
},
{
"summary": "Moderate Section 8 readiness. Exterior appears intact with mainly cosmetic and age‑related deferred maintenance. Major safety and system items cannot be confirmed from exterior photos (smoke/CO detectors, GFCI, HVAC, electrical panel, hot water), creating inspection risk. Likely timeline: 30–60 days to achieve NSPIRE compliance if interior issues are limited to missing detectors, minor electrical/GFCI work, and routine servicing. The presence of recent rental activity is a positive indicator but does not offset unknown interior safety items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 70.0,
"rationale": "Exterior visible from listing photo shows an older but intact single‑story house with cosmetic wear: faded/aged siding, metal awnings, roof with leaf/debris cover and likely aged shingles, and cracked/dirty driveway. No broken windows, collapsed elements, or visible exposed subfloor. Listing text describes the home as tidy which supports a mostly sound interior condition. Missing interior photos prevent verification of cabinetry, flooring or appliances; absence of appliance photos reduces score moderately but is not treated as catastrophic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE Safety & Code Risk",
"score": 55.0,
"rationale": "From exterior photo there are no obvious life‑threatening hazards (no collapsed ceilings, visible structural sagging, standing water, or exposed high‑voltage wiring). Front steps have a metal handrail. However critical NSPIRE items cannot be verified: smoke/CO detectors, GFCI protection in kitchen/bath, bedroom egress, electrical panel condition, and hot water availability. Presence of overhead utility line and nearby tree limbs increases minor risk. Because many required safety items are not visible, assign a moderate risk score reflecting likely need for basic code items and interior fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof, Water Heater)",
"score": 50.0,
"rationale": "Roof appears aged but intact (no visible active leaks or large missing sections). No external HVAC condenser is visible in the front photo (may be rear or window units) so heating/cooling presence and condition are unknown. Electrical and plumbing systems, water heater, and drains cannot be confirmed from photos; the house age (1955) increases probability of older electrical/plumbing systems that may need servicing or upgrading. Score reflects unknowns and likely moderate servicing/repair needs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Yard and lot are generally maintained—shrubs trimmed, lawn present. Driveway shows cracking and staining; some vehicles park on grass. Siding and trim are aged but appear attached; awnings and front porch are intact. Trees close to the roof and scattered debris on the roof indicate a need for vegetation management and gutter/roof cleaning. No visible evidence of infestation, major foundation displacement, or collapsed walkways from provided image."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior condition (floors, walls, ceilings, appliances) not shown — assumed generally tidy per listing but unverified.",
"Smoke detectors, carbon monoxide detectors, and GFCI outlets are not visible and therefore assumed possibly missing or need verification/installation.",
"Heating/cooling equipment not visible at front; assumed present but age/operation unknown.",
"Water heater and plumbing are assumed functional unless interior photos/report indicate otherwise.",
"No visible major structural issues in provided photo; assume foundation is serviceable absent interior/closer exterior evidence.",
"Roof is older based on shingle appearance and debris; assumed service/cleaning likely needed but no active leak was visible from exterior photo.",
"Listing phrasing 'tidy as a pin' reflects occupant cleanliness but does not guarantee compliance with NSPIRE-required detectors or GFCI outlets."
],
"overall_score": 60.0,
"rubric_version": "2026-02-16_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "9607 Red Lane Dr, Birmingham, AL, 35215",
"aggregate": {
"summary": "Based on the exterior photo and listing, this 1955 single-family home appears to be in fair condition and likely to pass an initial HCV/NSPIRE inspection after minor to moderate repairs and interior-verification items. Primary concerns are unverified interior safety items (smoke/CO detectors, GFCI outlets, bedroom egress), an aging roof with debris that should be evaluated, and unconfirmed mechanical systems (HVAC, water heater, electrical panel). With targeted repairs/verification (install/confirm detectors, verify HVAC/hot water, repair/address roof debris and driveway), the property is likely rent-ready within 30–60 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 68.3,
"rationale": "Exterior shows an older but intact single-story rental (1955). Siding and awnings are aged and dirty; driveway is cracked; small shrubs are overgrown. No visible collapsed surfaces or major exterior structural damage. Listing text describes the interior as 'tidy' which suggests cosmetic condition inside is likely acceptable. Missing interior photos prevent confirmation of flooring, cabinets, or bathroom condition; no appliances are visible from exterior. Overall this appears to need primarily cosmetic and minor repair work (cleaning, possible paint/awnings replacement, driveway patching) rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 68.3,
"rationale": "Lot and yard appear reasonably maintained aside from low landscaping upkeep and some driveway deterioration. Siding appears intact with no obvious foundation displacement or large cracks visible from photo. No visible standing water, major drainage problems, or infestation signs in the photo. Property appears typical for an older rental lot and likely passable for exterior NSPIRE items after minor cleaning and maintenance."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 58.3,
"rationale": "No interior photos to confirm smoke/CO detectors, GFCI outlets, or bedroom egress windows. Exterior steps have a metal handrail present which mitigates one stair hazard. Overhead service line and connection to house are visible — not necessarily unsafe but worth inspection. No visible major trip hazards, collapsed ceilings, standing water, or obvious mold from exterior view. Given age of home (1955) there is increased risk of outdated electrical or peeling lead-risk paint; absence of interior evidence reduces confidence. Moderate risk for NSPIRE items until interior inspection verifies detectors, GFCI, and egress."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 53.3,
"rationale": "No outdoor HVAC condenser, water heater, or meter photos provided; roof shows aging shingles and leaf/debris accumulation which could indicate deferred roof maintenance. Electrical service drop is visible; panel condition not visible. Plumbing fixtures and hot water cannot be confirmed. Because systems are not evidenced in listing photos and the roof appears aged, assign moderate risk — systems may be functional but will require verification (HVAC operation, water heater, electrical panel, roof condition)."
}
],
"red_flags": [],
"confidence": 0.76,
"assumptions": [
"Interior condition is reasonably tidy as stated in listing; no visible major interior damage is present.",
"Smoke and carbon monoxide detectors, GFCI outlets, and bedroom egress windows are not visible in photos and therefore are unconfirmed.",
"An active heating and possibly cooling system exists but outdoor condenser or mechanicals are not visible from the provided photo; systems require verification.",
"No visible foundation movement, structural sagging, or collapsed ceilings are present based on exterior photo; interior could reveal additional issues.",
"Missing/older appliances are not treated as automatic safety failures; their presence or absence will affect tenant readiness but not be scored as structural hazard here.",
"Rental record indicating a 2025 rental event means property has recent rental activity; this is treated as a bonus criterion and not included in the weighted score."
],
"score_method": "mean_of_criteria",
"overall_score": 62.0,
"rubric_version": "ns_pire_v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7013730075"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.