Property ID: 7018245552
52 17th Ct S, Birmingham, AL, 35205
Birmingham, AL
Money Down: $22,800
CoC Return: 20.14%
Monthly Cash Flow: $383
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,000
Closing Costs
$3,800
Total Down
$22,800
Investment Snapshot
Purchase Price
$95,000
Money Down
$22,800
Cash-on-Cash Return
20.14%
Rent
$1,101
Monthly Cash Flow
$383
Annual Cash Flow
$4,592
Debt Service / Mo
$506
Property Tax / Mo
$60
Insurance / Mo
$43
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,101
Payment Standard
$1,496
Rent
$1,101
Insurance
$43
Property Tax
$60
Management
$110
Utilities Allowance
$395
NOI (Monthly)
$888
Debt Service
$506
Cash Flow After Debt
$383
Quality Score: 62.60%
Confidence: 94.00%
Overall the property appears structurally intact with mostly cosmetic updates and functioning plumbing fixtures. The house looks rentable after addressing a handful of items (installing smoke/CO detectors, repairing the porch brick openings, trimming vegetation, verifying/servicing mechanicals, and confirming egress compliance). Major systems and safety-critical items (smoke/CO alarms, electrical panel, water heater) were not shown and should be verified before leasing. Expected likelihood of passing an initial HCV/NSPIRE inspection after addressing the detectors and minor repairs: moderate-high; estimate rent-ready within 2–6 weeks depending on testing and minor fixes.
Section 8 Payment Standard
$1,496
Utility Allowance Total
$395
Guaranteed Section 8 Rent (PS - Utilities)
$1,101
Property Management
$110
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$95,000
Beds
2
Baths
1
Living Area
864 sqft
Lot Size
10,454 sqft
Year Built
1940
Days on Market
144
Capital Outlay
$22,800
Debt Service
$506
Property Tax / Mo
$60
Insurance / Mo
$43
Property Description
Nice property to add to your portfolio....
Utility Allowances
Heating
$31
Property has gas service (gas water heater). Heating is assumed to be natural gas via Spire, the area's primary provider, despite a conflicting 'No Heat' data point.
Cooking
$13
Cooking fuel is assumed to be natural gas, consistent with other gas appliances. Spire is selected as the most likely provider.
Water Heating
$29
Property details explicitly state 'Gas Water Heater'. Spire is the primary natural gas provider in the area.
Cooling
$18
Property has central air conditioning, which is electric. Alabama Power is the primary electric provider in Birmingham.
Other Electric
$56
Standard electrical usage for lighting and other appliances. Alabama Power is the primary electric provider.
Water
$69
Property details state 'Public Water'. The schedule provides a specific allowance for the City of Birmingham, which matches the property's location.
Sewer
$125
Property details state 'Sewer: Connected'. The allowance is based on the schedule for a 2-bedroom unit.
Trash Collection
$40
The property is in Birmingham, for which there is no specific provider listed. The most expensive option was chosen per instructions for unclear cases.
Refrigerator
$8
A refrigerator is not listed as an included appliance, so it is assumed to be tenant-provided.
Range/Microwave
$6
A range or microwave is not listed as an included appliance, so it is assumed to be tenant-provided.
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$392
DP3 Annual Estimate$635
DP1 Monthly Equivalent$33
DP3 Monthly Equivalent$53
Replacement Value$30,300
Basis864 sqft / 1940
Nearby Houses
Photo unavailable
50 17th Ct S
sold · 0.01 mi
Price: $42,000
2 bd / 1 ba · 1,160 sqft
Latest sale: $42,000 on Sep 20, 2019
Latest rent: —
Photo unavailable
53 17th Ave S
sold · 0.03 mi
Price: $45,501
3 bd / 2 ba · 1,169 sqft
Latest sale: $45,501 on Nov 29, 2022
Latest rent: $1,995 on Jan 07, 2024
Photo unavailable
44 17th Ct S
for_sale · 0.03 mi
Price: $65,000
2 bd / 1 ba · 946 sqft
Latest sale: $26,900 on Jan 26, 2018
Latest rent: $525 on Jun 18, 2013
Photo unavailable
57 17th Ct S
for_sale · 0.04 mi
Price: $100,000
3 bd / 1 ba · 896 sqft
Latest sale: $95,000 on Feb 12, 2024
Latest rent: $1,245 on May 22, 2025
Photo unavailable
63 17th Ave S
sold · 0.04 mi
Price: $15,000
3 bd / 2 ba
Latest sale: $15,000 on Aug 12, 2016
Latest rent: —
Photo unavailable
1717 Center Way S
sold · 0.05 mi
Price: $125,000
2 bd / 2 ba · 912 sqft
Latest sale: $125,000 on Aug 07, 2025
Latest rent: —
Photo unavailable
48 S 18th Ave
sold · 0.07 mi
Price: $80,000
3 bd / 1 ba · 1,176 sqft
Latest sale: $80,000 on Mar 04, 2022
Latest rent: $950 on Mar 05, 2014
Photo unavailable
40 17th Ave S
sold · 0.07 mi
Price: $13,900
4 bd / — ba
Latest sale: $13,900 on Jan 24, 2017
Latest rent: —
Photo unavailable
1709 1st St S
sold · 0.08 mi
Price: $93,000
3 bd / 1 ba · 1,110 sqft
Latest sale: $93,000 on Jun 07, 2024
Latest rent: $1,200 on Jan 22, 2026
Photo unavailable
51 16th Ave S Lot 11
off_market · 0.09 mi
Price: $14,505
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
1613 Center Way S
sold · 0.09 mi
Price: $30,000
6 bd / — ba
Latest sale: $30,000 on Oct 03, 2016
Latest rent: —
Photo unavailable
1741 1st St S
sold · 0.09 mi
Price: $31,500
2 bd / 1 ba · 1,100 sqft
Latest sale: $31,500 on Nov 22, 2021
Latest rent: $1,339 on Sep 08, 2023
Photo unavailable
1738 S Center Way
for_sale · 0.10 mi
Price: $83,900
3 bd / 1 ba · 1,178 sqft
Latest sale: —
Latest rent: —
Photo unavailable
57 18th Ave S
for_sale · 0.10 mi
Price: $120,000
3 bd / 2 ba · 1,200 sqft
Latest sale: $97,000 on Jan 24, 2019
Latest rent: $1,125 on Aug 01, 2024
Photo unavailable
1745 1st St S
sold · 0.10 mi
Price: $84,250
3 bd / 2 ba · 1,359 sqft
Latest sale: $84,250 on Mar 18, 2022
Latest rent: —
Photo unavailable
1600 1st St S
sold · 0.11 mi
Price: $26,000
2 bd / 1 ba · 1,449 sqft
Latest sale: $26,000 on Jul 30, 2018
Latest rent: —
Photo unavailable
1603 1st St S
sold · 0.12 mi
Price: $36,000
4 bd / — ba
Latest sale: $36,000 on Aug 26, 2022
Latest rent: —
Photo unavailable
29 16th Ave S
sold · 0.13 mi
Price: $45,000
3 bd / 2 ba · 1,652 sqft
Latest sale: $45,000 on Sep 17, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke or carbon monoxide detectors in photos (NSPIRE requirement).
- Pre-1978 construction (1940) — potential lead-based paint hazard and required lead disclosures/abatement.
- Porch brick wall deterioration with missing bricks/openings that create pest access and localized structural/durability concern.
Assumptions
- No smoke detectors or carbon monoxide alarms are currently installed (none visible in supplied photos).
- Heating exists (electric/hydronic baseboard) based on visible baseboard; cooling system presence unknown.
- Electrical panel, water heater, and HVAC equipment are present but were not photographed; their condition is unknown.
- Stairs/handrails to the porch are not visible; assume they are present but need inspection for safety.
- No active roof leaks are present based on exterior photo (no visible staining or sag), but attic/inside inspection not performed.
- Kitchen stove and refrigerator are not visible in photos and may be absent; missing appliances would be treated as moderate, repairable items.
- Bedrooms likely have windows adequate for egress but sizes were not measured; egress compliance needs verification.
- Property built in 1940 — assume potential lead-based paint risk that will trigger required disclosures and possible remediation.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $697 | $45,400 | $9,080 |
| 2023 | $697 | $48,100 | $9,620 |
| 2022 | $458 | $37,600 | $7,520 |
| 2021 | $458 | $31,600 | $6,320 |
| 2020 | $458 | $31,600 | $6,320 |
| 2019 | $458 | $31,600 | $6,320 |
| 2018 | $491 | $33,900 | $6,780 |
| 2017 | $513 | $35,400 | $7,080 |
| 2016 | $491 | $33,900 | $6,780 |
| 2015 | $571 | $39,400 | $7,880 |
| 2013 | $555 | $32,200 | $6,440 |
| 2012 | $555 | $38,930 | $7,786 |
| 2011 | $678 | $47,700 | $9,540 |
| 2010 | $678 | $47,700 | $9,540 |
| 2009 | $678 | $47,700 | $9,540 |
| 2008 | $691 | $48,700 | $9,740 |
| 2007 | $630 | $44,300 | $8,860 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1989-11-01 | Sold | $25,000 |
Photo Gallery
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{
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{
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{
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"processing_status": {
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"min_score": 60.0,
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"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 95000.0,
"loan_term_years": 30,
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],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has gas service (gas water heater). Heating is assumed to be natural gas via Spire, the area's primary provider, despite a conflicting 'No Heat' data point.",
"utility": "Heating",
"allowance": 31
},
{
"note": "Cooking fuel is assumed to be natural gas, consistent with other gas appliances. Spire is selected as the most likely provider.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Property details explicitly state 'Gas Water Heater'. Spire is the primary natural gas provider in the area.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "Property has central air conditioning, which is electric. Alabama Power is the primary electric provider in Birmingham.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "Standard electrical usage for lighting and other appliances. Alabama Power is the primary electric provider.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Property details state 'Public Water'. The schedule provides a specific allowance for the City of Birmingham, which matches the property's location.",
"utility": "Water",
"allowance": 69
},
{
"note": "Property details state 'Sewer: Connected'. The allowance is based on the schedule for a 2-bedroom unit.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "The property is in Birmingham, for which there is no specific provider listed. The most expensive option was chosen per instructions for unclear cases.",
"utility": "Trash Collection",
"allowance": 40
},
{
"note": "A refrigerator is not listed as an included appliance, so it is assumed to be tenant-provided.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A range or microwave is not listed as an included appliance, so it is assumed to be tenant-provided.",
"utility": "Range/Microwave",
"allowance": 6
}
],
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"down_payment_amount": 19000.0,
"property_tax_annual": 717.91,
"property_tax_monthly": 59.83,
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"utility_allowance_total": 395.0,
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"_fetched_payment_standard": {
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"effective_date": "2026-01-01"
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"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 4591.83,
"property_management_monthly": 110.1,
"monthly_cash_flow_after_debt": 382.65,
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"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears structurally intact with mostly cosmetic updates and functioning plumbing fixtures. The house looks rentable after addressing a handful of items (installing smoke/CO detectors, repairing the porch brick openings, trimming vegetation, verifying/servicing mechanicals, and confirming egress compliance). Major systems and safety-critical items (smoke/CO alarms, electrical panel, water heater) were not shown and should be verified before leasing. Expected likelihood of passing an initial HCV/NSPIRE inspection after addressing the detectors and minor repairs: moderate-high; estimate rent-ready within 2–6 weeks depending on testing and minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior photos show recent cosmetic updates: new-looking vinyl plank flooring, painted walls, replaced kitchen cabinets and countertops, and a functioning vanity and toilet in the bathroom. Kitchen has a dishwasher and sink; no stove or refrigerator visible in photos (not uncommon for listings). Visible deferred maintenance is moderate: porch brick wall has missing bricks/openings, exterior trim and some interior trim show wear, and shrubs are overgrown against the house. Overall repairs look mostly cosmetic and moderate capital items rather than major structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code (NSPIRE) Risks",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos (required by NSPIRE/HUD). Windows look original single-pane and may or may not meet bedroom egress dimensions (bedroom photos not explicit). No exposed wiring or obvious electrical hazards visible in images. Porch brick openings and overgrown vegetation create pest/entry and minor safety concerns. Built in 1940, so lead-based paint risk exists and must be addressed. Plumbing fixtures appear present and functional, but absence of visible detectors and unclear egress reduce safety score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Major systems cannot be fully verified from photos. Evidence suggests a heating system exists (visible baseboard/heater in living area) indicating some heat source. Kitchen and bathroom plumbing fixtures are installed and appear intact. Roof appears intact from front photo with no visible sagging or active leaks. Electrical panel and water heater are not shown; condition unknown. No visible signs of major system failure but lack of documentation/view leads to moderate score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Front elevation shows generally intact siding and roofline with an older brick porch wall. However the porch brick has missing/removed bricks and openings which are a durability/pest/egress concern. Landscaping is overgrown with shrubs contacting the building and a dry/eroded front yard and walkway; these are repairable but need attention. No standing water, major foundation cracks, or collapsed features visible from provided exterior images."
}
],
"red_flags": [
"No visible smoke or carbon monoxide detectors in photos (NSPIRE requirement).",
"Pre-1978 construction (1940) — potential lead-based paint hazard and required lead disclosures/abatement.",
"Porch brick wall deterioration with missing bricks/openings that create pest access and localized structural/durability concern."
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or carbon monoxide alarms are currently installed (none visible in supplied photos).",
"Heating exists (electric/hydronic baseboard) based on visible baseboard; cooling system presence unknown.",
"Electrical panel, water heater, and HVAC equipment are present but were not photographed; their condition is unknown.",
"Stairs/handrails to the porch are not visible; assume they are present but need inspection for safety.",
"No active roof leaks are present based on exterior photo (no visible staining or sag), but attic/inside inspection not performed.",
"Kitchen stove and refrigerator are not visible in photos and may be absent; missing appliances would be treated as moderate, repairable items.",
"Bedrooms likely have windows adequate for egress but sizes were not measured; egress compliance needs verification.",
"Property built in 1940 — assume potential lead-based paint risk that will trigger required disclosures and possible remediation."
],
"overall_score": 63.0,
"rubric_version": "ns-pire_v1_2026-02-16"
},
{
"summary": "This 2-bed, 1-bath 1940 bungalow appears mostly cosmetically updated and could be made Section 8 / NSPIRE-ready with focused repairs. Primary tasks before inspection: install/verify smoke and CO detectors, add GFCI protection and outlet covers in kitchen/bath, verify and service HVAC, water heater and electrical panel, repair openings in the brick porch skirt, trim back vegetation, and provide or confirm working stove/refrigerator if required by owner. No immediate visible structural collapse or active water intrusion was seen, but age-related risks (lead paint, unknown system condition) require verification.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior finishes look recently painted and floors replaced; kitchen cabinets and countertop appear serviceable and bathroom has a functioning vanity/toilet. Visible deferred items: missing/damaged outlet cover in kitchen, scuffs and small drywall/trim damage, two holes/openings in the brick porch skirt, overgrown shrubs against the house, and no stove/refrigerator shown in photos (dishwasher present). These are mostly cosmetic or moderate repairs and replacements (appliances, outlet covers, trim repair, tuckpointing/brick repair) rather than structural."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 58.0,
"rationale": "No smoke/CO detectors are visible in photos (required). GFCI protection at kitchen and bathroom outlets is not evident; a kitchen outlet plate is missing which is an immediate fail-item until corrected. No obvious exposed live wiring or collapsed ceilings visible. Year-built 1940 raises lead-paint risk; painted surfaces in photos appear intact but lead-risk evaluation/abatement may be required. Bedroom egress and locking deadbolt status cannot be confirmed from images. Overall safety issues are fixable but several NSPIRE-relevant items (smoke detectors, GFCI, outlet covers, lead-risk checks) need attention."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 50.0,
"rationale": "Plumbing fixtures (sink, toilet) are present and appear functional in photos; water heater, HVAC equipment, and electrical panel are not shown. No visible central HVAC registers or furnace; there is a baseboard element visible under window which could indicate heating but operability is unknown. Roof and soffit looked intact from the front elevation with no visible active leaks. Given age (1940) and lack of evidence for active, operable HVAC and unseen electrical/water-heater equipment, there is moderate systems risk until those systems are confirmed operable and to code."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior envelope appears intact: siding, front roofline and porch structure look sound from the photos. Issues observed: overgrown shrubs against foundation/porch, openings in the brick porch skirt that could allow pests or indicate missing vent covers, dry/eroded front yard with potential minor drainage toward the street, and some brick discoloration. There is a carport visible; driveway/walk condition not fully shown. No obvious major foundation cracks or roof sagging visible in provided photos."
}
],
"red_flags": [
"No visible smoke detectors or CO detector in photos (NSPIRE requirement).",
"No visible GFCI protection in kitchen/bath and at least one missing outlet cover (immediate correction required).",
"No visible evidence of operable HVAC/furnace or water heater in listing photos (system operability unknown).",
"Potential lead-based paint risk (property built 1940) — requires evaluation/compliance.",
"Openings/holes in brick porch skirt creating pest/infestation and access risk."
],
"confidence": 0.65,
"assumptions": [
"No smoke or carbon monoxide detectors are installed (none visible in photos).",
"Central HVAC, furnace, water heater and electrical panel are present in the house but their operability and code compliance are unknown (not pictured).",
"Stove and refrigerator are not present or not shown in listing photos; landlord will supply or install appliances as required for move-in.",
"Painted interior surfaces are intact with no obvious peeling; still assume lead-based paint hazard possible due to 1940 construction until tested.",
"Porch brick openings indicate missing vent covers or masonry damage and are accessible from crawlspace; no active water intrusion was visible in interior photos.",
"Bedroom egress windows meet size/operability requirements is unknown (bedroom photos not provided)."
],
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2BR/1BA 1940 cottage appears mostly cosmetically updated inside and could likely be made Section 8 / HCV ready with minor-to-moderate work. Primary items to address before inspection: install/verify smoke detectors and CO alarms, repair missing outlet covers and add/verify GFCI protection in kitchen/bath, confirm and document a working heating system and water heater, repair damaged dishwasher or provide appliance replacements as needed, and fix porch brick/vent holes and front walkway trip hazards. Because several critical systems are not shown (heating, water heater, electrical panel), there is moderate inspection risk but no obvious structural failure visible in photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior appears recently updated cosmetically: new-looking vinyl plank flooring, painted walls, kitchen cabinets and countertops in good visual condition. Minor interior issues visible: damaged dishwasher door, small scuffs on bathroom vanity, one missing outlet cover in kitchen, trim paint wear. Exterior shows overgrown landscaping and some missing/vent bricks on the front porch wall that are cosmetic but will need repair. Overall repairs are minor to moderate and mostly cosmetic; missing appliances reduce score moderately."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 60.0,
"rationale": "Visible safety items: door appears secure but no clear deadbolt visible in photos; no smoke detectors or CO detectors are visible (will likely be required). Kitchen outlet/GFCI not visible and one outlet cover appears missing — electrical finish work likely needed. Windows appear to provide egress from living/bedroom areas. No visible severe mold, active leaks, or collapsed ceilings. Front walkway / yard is uneven and could be a trip hazard. Given these unknowns (detectors, GFCI, heating), there is moderate NSPIRE risk that would need fixes before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 55.0,
"rationale": "Major systems (heating, cooling, water heater, electrical panel) are not shown. Plumbing fixtures (kitchen sink, bathroom vanity and toilet) are present and appear intact. Roof visible from front appears intact with no obvious sag or missing shingles, but full roof condition and attic/ceiling not verified. No visible HVAC equipment or registers confirming operational heating/cooling — absence of a visible heating system is a notable unknown that could cause a fail. Because critical systems could not be confirmed, score lowered to reflect inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 60.0,
"rationale": "Exterior siding and roofline look generally intact from the single front photo; however the brick front porch wall has holes and some missing bricks/vent openings that need repair. Yard is neglected and dry, shrubs overgrown up against the façade which can conceal issues and affect drainage. Front walkway shows erosion/unevenness and could be a trip hazard. No visible standing water or major foundation displacement from the photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE immediate requirement).",
"No visible heating system or HVAC equipment shown — lack of visible heating is a potential inspection fail.",
"Missing outlet cover and unclear GFCI protection in kitchen (electrical safety/code issue).",
"Holes/missing bricks in front porch wall (exposure/structural moisture pathway and repair needed).",
"Uneven/eroded front walkway and yard trip hazard that could fail an inspection for safe passage."
],
"confidence": 0.6,
"assumptions": [
"Photos represent current condition and show most public areas but do not show HVAC equipment, water heater, or electrical service panel.",
"No smoke detectors or CO detectors are installed or at least none were visible in the provided interior photos; these will need verification/installation.",
"Kitchen and bathroom plumbing fixtures are operational although hot water and water heater condition are unknown.",
"Entry door may not have a deadbolt; if present it was not visible in the photo and should be confirmed.",
"Porch elevation is modest (not a high guardrail hazard), but missing bricks/vent openings are assumed to be cosmetic/maintenance issues rather than active structural failure.",
"No evidence of active roof leaks, major foundation movement, or collapsed ceilings was visible in available photos; if other areas exist they were not provided."
],
"overall_score": 64.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "52 17th Ct S, Birmingham, AL, 35205",
"aggregate": {
"summary": "Overall the property appears structurally intact with mostly cosmetic updates and functioning plumbing fixtures. The house looks rentable after addressing a handful of items (installing smoke/CO detectors, repairing the porch brick openings, trimming vegetation, verifying/servicing mechanicals, and confirming egress compliance). Major systems and safety-critical items (smoke/CO alarms, electrical panel, water heater) were not shown and should be verified before leasing. Expected likelihood of passing an initial HCV/NSPIRE inspection after addressing the detectors and minor repairs: moderate-high; estimate rent-ready within 2–6 weeks depending on testing and minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior photos show recent cosmetic updates: new-looking vinyl plank flooring, painted walls, replaced kitchen cabinets and countertops, and a functioning vanity and toilet in the bathroom. Kitchen has a dishwasher and sink; no stove or refrigerator visible in photos (not uncommon for listings). Visible deferred maintenance is moderate: porch brick wall has missing bricks/openings, exterior trim and some interior trim show wear, and shrubs are overgrown against the house. Overall repairs look mostly cosmetic and moderate capital items rather than major structural failures."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 63.3,
"rationale": "Front elevation shows generally intact siding and roofline with an older brick porch wall. However the porch brick has missing/removed bricks and openings which are a durability/pest/egress concern. Landscaping is overgrown with shrubs contacting the building and a dry/eroded front yard and walkway; these are repairable but need attention. No standing water, major foundation cracks, or collapsed features visible from provided exterior images."
},
{
"key": "safety_code",
"label": "Safety & Code (NSPIRE) Risks",
"score": 57.7,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos (required by NSPIRE/HUD). Windows look original single-pane and may or may not meet bedroom egress dimensions (bedroom photos not explicit). No exposed wiring or obvious electrical hazards visible in images. Porch brick openings and overgrown vegetation create pest/entry and minor safety concerns. Built in 1940, so lead-based paint risk exists and must be addressed. Plumbing fixtures appear present and functional, but absence of visible detectors and unclear egress reduce safety score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 55.0,
"rationale": "Major systems cannot be fully verified from photos. Evidence suggests a heating system exists (visible baseboard/heater in living area) indicating some heat source. Kitchen and bathroom plumbing fixtures are installed and appear intact. Roof appears intact from front photo with no visible sagging or active leaks. Electrical panel and water heater are not shown; condition unknown. No visible signs of major system failure but lack of documentation/view leads to moderate score."
}
],
"red_flags": [
"No visible smoke or carbon monoxide detectors in photos (NSPIRE requirement).",
"Pre-1978 construction (1940) — potential lead-based paint hazard and required lead disclosures/abatement.",
"Porch brick wall deterioration with missing bricks/openings that create pest access and localized structural/durability concern."
],
"confidence": 0.94,
"assumptions": [
"No smoke detectors or carbon monoxide alarms are currently installed (none visible in supplied photos).",
"Heating exists (electric/hydronic baseboard) based on visible baseboard; cooling system presence unknown.",
"Electrical panel, water heater, and HVAC equipment are present but were not photographed; their condition is unknown.",
"Stairs/handrails to the porch are not visible; assume they are present but need inspection for safety.",
"No active roof leaks are present based on exterior photo (no visible staining or sag), but attic/inside inspection not performed.",
"Kitchen stove and refrigerator are not visible in photos and may be absent; missing appliances would be treated as moderate, repairable items.",
"Bedrooms likely have windows adequate for egress but sizes were not measured; egress compliance needs verification.",
"Property built in 1940 — assume potential lead-based paint risk that will trigger required disclosures and possible remediation."
],
"score_method": "mean_of_criteria",
"overall_score": 62.6,
"rubric_version": "ns-pire_v1_2026-02-16",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7018245552"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.