Property ID: 7028138696
128 NW 18th Ave, Birmingham, AL, 35215
Birmingham, AL
Money Down: $28,680
CoC Return: 21.21%
Monthly Cash Flow: $507
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,900
Closing Costs
$4,780
Total Down
$28,680
Investment Snapshot
Purchase Price
$119,500
Money Down
$28,680
Cash-on-Cash Return
21.21%
Rent
$1,516
Monthly Cash Flow
$507
Annual Cash Flow
$6,083
Debt Service / Mo
$636
Property Tax / Mo
$127
Insurance / Mo
$95
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,516
Payment Standard
$1,969
Rent
$1,516
Insurance
$95
Property Tax
$127
Management
$152
Utilities Allowance
$453
NOI (Monthly)
$1,143
Debt Service
$636
Cash Flow After Debt
$507
Quality Score: 62.20%
Confidence: 84.00%
This 4-bed/2-bath single-family appears cosmetically serviceable and likely able to meet most NSPIRE items after minor to moderate work. Interior finishes, appliances (electric range and dishwasher) and general layout look acceptable. Primary risks are unverified life-safety devices (smoke/CO), unknown HVAC/water heater/electrical panel condition, an aged roof, and vegetation/large trees close to the structure. Expect minor repairs and a mechanical verification visit; likely rent-ready within ~30 days if systems are confirmed functional and smoke/CO detectors and GFCI protection are installed where required.
Section 8 Payment Standard
$1,969
Utility Allowance Total
$453
Guaranteed Section 8 Rent (PS - Utilities)
$1,516
Property Management
$152
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,500
Beds
4
Baths
2
Living Area
1,681 sqft
Lot Size
21,780 sqft
Year Built
1952
Days on Market
152
Capital Outlay
$28,680
Debt Service
$636
Property Tax / Mo
$127
Insurance / Mo
$95
Property Description
Attention home investors-both seasoned and newcomers! Discover this beautiful 4-bedroom, 2-bath property in a desirable corner lot in the vibrant community of CenterPoint. This home is perfectly positioned for maximum convenience; all while being surrounded by the tranquility of this scenic neighborhood. This property presents an excellent investment opportunity, favorable by investors, homeowner occupants and renters.
Utility Allowances
Heating
$119
Property has central heating. Fuel type was not specified, so electric heating was assumed to be consistent with the electric water heater and central A/C. 'Ala Power' is selected as a major local provider.
Cooling
$28
Property has 'Central Air' conditioning, which is electric. 'Alabama Power' is selected as the provider.
Cooking
$26
An oven is visible in property photos, but fuel type is not specified. Electric cooking is assumed based on other electric appliances (water heater, A/C). 'Ala Power' is selected as the provider.
Water Heating
$71
Property listing explicitly states 'Electric Water Heater'. 'Ala Power' is selected as the provider.
Other Electric
$87
Standard allowance for lighting and miscellaneous electric uses. 'Ala Power' is selected as the provider, consistent with other electric services.
Water
$88
Property listing specifies 'Public Water'. The 'Water: Birmingham' provider is selected based on the property's city.
Sewer
$0
Property has a septic tank, so no public sewer allowance is needed.
Trash Collection
$20
Trash provider is not specified. The 'Jefferson City' rate is selected as a reasonable default for a property in Jefferson County.
Refrigerator
$8
The property does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned and an allowance is included.
Range/Microwave
$6
The property does not explicitly state a microwave is provided, so it is assumed to be tenant-owned and an allowance 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$963
DP3 Annual Estimate$1,306
DP1 Monthly Equivalent$80
DP3 Monthly Equivalent$109
Replacement Value$135,500
Basis1,681 sqft / 1952
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125 18th Ave NW
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213 18th Ave NW
sold · 0.11 mi
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311 18th Ct NW
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1806 1st St NW
sold · 0.12 mi
Price: $114,900
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Photo unavailable
109 18th Ave NW
sold · 0.13 mi
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Photo unavailable
105 19th Ave NW
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Price: $93,000
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Latest sale: $93,000
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Photo unavailable
1813 3rd St NW
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Photo unavailable
1709 3rd St NW
for_sale · 0.18 mi
Price: $130,000
3 bd / 2 ba · 1,100 sqft
Latest sale: $165,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Aged roof with staining and visible wear — potential near-term roof replacement needed
- No visible exterior HVAC unit or clear evidence of primary heating system in photos (heating/HVAC must be verified operational)
- Large mature trees and vegetation close to the building — risk to foundation, drainage and from falling limbs
Assumptions
- Photos are representative of whole property; areas not shown (bathrooms, mechanical closet, electrical panel, exterior HVAC condenser) are assumed typical for a 1952 house but unverified.
- Range and dishwasher shown are assumed operational; refrigerator not pictured but missing fridge alone is not treated as a failure.
- No visible smoke or CO detectors in photos; assume they are not installed or not photographed and will need verification/installation.
- No interior evidence of active roof leaks, collapsed ceilings, or severe mold in provided photos; such issues would have been visible if extreme.
- HVAC system is not visible in photos; assume there is an existing but potentially aged heating/cooling system that requires operational verification.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,479 | $154,100 | $28,740 |
| 2023 | $1,405 | $127,500 | $25,500 |
| 2022 | $1,249 | $113,400 | $22,680 |
| 2021 | $1,222 | $110,900 | $22,180 |
| 2020 | $1,048 | $95,100 | $19,020 |
| 2019 | $1,048 | $95,100 | $20,860 |
| 2018 | $996 | $90,400 | $18,080 |
| 2017 | $996 | $90,400 | $18,080 |
| 2016 | $905 | $90,400 | $18,080 |
| 2015 | $905 | $90,400 | $18,080 |
| 2013 | $907 | $85,000 | $17,000 |
| 2012 | $1,095 | $89,100 | $17,820 |
| 2011 | $1,055 | $103,800 | $20,760 |
| 2010 | $1,118 | $110,100 | $22,020 |
| 2009 | $1,118 | $110,100 | $22,020 |
| 2008 | $1,344 | $112,000 | $22,400 |
| 2007 | $1,130 | $111,300 | $22,260 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-11-27 | Sold | $99,000 |
| 2017-06-09 | Sold | $32,000 |
Photo Gallery
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"https://ap.rdcpix.com/3dbf89a4dbc6aac0f64040c9d6aafc34l-m397803902s-w1280.jpg",
"https://ap.rdcpix.com/3dbf89a4dbc6aac0f64040c9d6aafc34l-m2076933372s-w1280.jpg",
"https://ap.rdcpix.com/3dbf89a4dbc6aac0f64040c9d6aafc34l-m3996681604s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 94.54,
"monthly_cash_flow": 1142.91,
"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 central heating. Fuel type was not specified, so electric heating was assumed to be consistent with the electric water heater and central A/C. 'Ala Power' is selected as a major local provider.",
"utility": "Heating",
"allowance": 119
},
{
"note": "Property has 'Central Air' conditioning, which is electric. 'Alabama Power' is selected as the provider.",
"utility": "Cooling",
"allowance": 28
},
{
"note": "An oven is visible in property photos, but fuel type is not specified. Electric cooking is assumed based on other electric appliances (water heater, A/C). 'Ala Power' is selected as the provider.",
"utility": "Cooking",
"allowance": 26
},
{
"note": "Property listing explicitly states 'Electric Water Heater'. 'Ala Power' is selected as the provider.",
"utility": "Water Heating",
"allowance": 71
},
{
"note": "Standard allowance for lighting and miscellaneous electric uses. 'Ala Power' is selected as the provider, consistent with other electric services.",
"utility": "Other Electric",
"allowance": 87
},
{
"note": "Property listing specifies 'Public Water'. The 'Water: Birmingham' provider is selected based on the property's city.",
"utility": "Water",
"allowance": 88
},
{
"note": "Property has a septic tank, so no public sewer allowance is needed.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Trash provider is not specified. The 'Jefferson City' rate is selected as a reasonable default for a property in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned and an allowance is included.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property does not explicitly state a microwave is provided, so it is assumed to be tenant-owned and an allowance is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.57,
"down_payment_amount": 23900.0,
"property_tax_annual": 1523.37,
"property_tax_monthly": 126.95,
"property_tax_increase": 0.03,
"utility_allowance_total": 453.0,
"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": 6082.58,
"property_management_monthly": 151.6,
"monthly_cash_flow_after_debt": 506.88,
"cash_on_cash_return_after_debt": 0.25
},
"section8_assessment": {
"runs": [
{
"summary": "This 4-bed/2-bath single-family appears cosmetically serviceable and likely able to meet most NSPIRE items after minor to moderate work. Interior finishes, appliances (electric range and dishwasher) and general layout look acceptable. Primary risks are unverified life-safety devices (smoke/CO), unknown HVAC/water heater/electrical panel condition, an aged roof, and vegetation/large trees close to the structure. Expect minor repairs and a mechanical verification visit; likely rent-ready within ~30 days if systems are confirmed functional and smoke/CO detectors and GFCI protection are installed where required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior photos show generally serviceable finishes: painted cabinets, laminate/wood floors in good-looking condition, functioning range and dishwasher present. Exterior shows peeling/mossy driveway, overgrown planting beds, and cosmetically weathered trim. No evidence of collapsed ceilings, exposed subfloor or severe interior deterioration. Missing cosmetic repairs and some exterior deferred maintenance likely; missing major appliances is not an issue (range and dishwasher visible)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No visible exposed wiring, stairs and handrails are present, windows appear to provide egress in main rooms pictured, and plumbing fixtures in kitchen appear operational. However, smoke detectors and carbon monoxide alarms are not visible in photos (likely required), GFCI outlets near counters are not clearly shown, and kitchen outlets appear standard. No visible mold, no active water intrusion seen. Overall moderate NSPIRE risk due to missing/uncertain life-safety devices and unknown GFCI protection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Major systems (HVAC, electrical panel, water heater) are not shown. No exterior AC condenser or clear heating system seen in photos; chimney suggests a fireplace but not primary heating. Roof shingles appear aged with staining and likely near end of service life. Plumbing and electrical condition cannot be confirmed from images. Based on appearance the systems are probably serviceable but aged — moderate risk for initial inspection without verification of functioning HVAC, water heater and intact electrical panel."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.0,
"rationale": "Large corner lot with mature trees and ample yard space. Siding and stone veneer appear intact in photos. Driveway shows cracking, moss and some deterioration. Vegetation is close to the foundation and there is overgrowth along the lot edges which could trap moisture or create pest harborage. Carport and porch are present and look usable. No obvious foundation collapse or major wall separation visible from exterior photos."
}
],
"red_flags": [
"Aged roof with staining and visible wear — potential near-term roof replacement needed",
"No visible exterior HVAC unit or clear evidence of primary heating system in photos (heating/HVAC must be verified operational)",
"Large mature trees and vegetation close to the building — risk to foundation, drainage and from falling limbs"
],
"confidence": 0.7,
"assumptions": [
"Photos are representative of whole property; areas not shown (bathrooms, mechanical closet, electrical panel, exterior HVAC condenser) are assumed typical for a 1952 house but unverified.",
"Range and dishwasher shown are assumed operational; refrigerator not pictured but missing fridge alone is not treated as a failure.",
"No visible smoke or CO detectors in photos; assume they are not installed or not photographed and will need verification/installation.",
"No interior evidence of active roof leaks, collapsed ceilings, or severe mold in provided photos; such issues would have been visible if extreme.",
"HVAC system is not visible in photos; assume there is an existing but potentially aged heating/cooling system that requires operational verification."
],
"overall_score": 67.0,
"rubric_version": "2026-02_nsprite_v1"
},
{
"summary": "This 4-bed/2-bath single-family appears cosmetically serviceable and mostly rent-ready with functioning kitchen appliances and intact interior surfaces. Primary inspection risks are missing/uncertain life-safety devices (smoke/CO detectors), likely absence of GFCI-protected kitchen outlets, unknown HVAC and other mechanical system statuses, and an aged roof. With straightforward fixes (install detectors, add GFCI outlets, verify/repair HVAC and water heater, minor exterior repairs and landscaping) the unit could pass an initial HCV/NSPIRE inspection within 30–60 days. Current condition likely represents a moderate inspection risk until systems and required safety items are verified and corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior photos show a generally clean, recently painted interior with intact laminate flooring, painted cabinetry and presence of major kitchen appliances (electric range, dishwasher, sink). Cosmetic deferred maintenance is limited to exterior paint/trim, overgrown landscaping and driveway staining/cracking. Cabinets and countertops appear serviceable; no visible collapsed ceilings, missing doors, or extensive interior damage. Missing minor items (porch paint, shrub trimming, driveway patching) are easy-to-fix capital items and do not heavily reduce score."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "Photos do not show smoke detectors or carbon monoxide alarms; NSPIRE requires smoke detectors in sleeping areas/corridors. Kitchen outlets visible appear to be standard receptacles (no visible GFCI), which is a likely code issue for kitchen/bath. Entry doors look secure with visible deadbolt on front door not confirmed in photos. No exposed wiring or obvious electrical hazards seen, and no standing water or major mold visible. Bedroom egress windows appear present in photos but bedroom designation is not explicit. Rear steps have a handrail but condition/detail is limited. Because detectors/GFCI presence is unknown and likely missing, safety score is lowered to moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 50.0,
"rationale": "Roof shingles appear aged with staining and possible wear; no active roof sag or obvious leak stains in interior photos, but roof condition suggests near-term replacement may be required. No HVAC equipment (outdoor condenser or furnace) or water heater/electrical panel photos provided—presence and operational status are unknown. Kitchen plumbing fixtures visible and appear intact. Range is electric (reduces gas-venting risk). Because critical systems (heating/cooling, water heater, electrical panel) are not documented in photos, score reflects moderate uncertainty and need for system verification/likely maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Exterior siding, stone veneer and chimney appear intact with no visible large cracks or foundation displacement. Carport and front porch structure are standing though paint is worn and some trim looks aged. Driveway has cracking and vegetation growth; yard is overgrown in places but generally level and without visible standing water. Trees are mature and close to the house which may create debris/runoff issues but no immediate structural failure is visible. Overall a serviceable exterior with moderate landscaping and minor repair needs."
}
],
"red_flags": [
"No visible smoke detectors / CO alarms in photos — life-safety requirement under NSPIRE",
"No visible GFCI-protected outlets in kitchen — likely code deficiency",
"No visible heating/cooling equipment in photos — 'no visible heating system' risk until verified",
"Aged roof with staining and wear — potential near-term roof replacement"
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or CO alarms are visible in interior photos; assume they are not present or not recently installed.",
"No HVAC condenser, furnace or water heater photographed; assume mechanical systems exist but require verification and may need service.",
"Electrical panel location and condition not shown; assume standard older panel and that kitchen outlets are non-GFCI based on visible receptacles.",
"Bedrooms have egress windows (windows visible in living-area photos), but exact bedroom layout/egress compliance not confirmed.",
"No active interior water stains or mold are apparent in photos; assume no significant active leaks but roof wear suggests possible future leakage risk.",
"Listing price, year built (1952) and lack of rental history suggest property may have been owner-occupied or vacant and lightly updated cosmetically."
],
"overall_score": 60.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate risk for an initial HCV/NSPIRE inspection. The property is structurally intact in photos and shows good cosmetic progress inside (functional kitchen appliances present), but several inspection risks remain: absence of visible smoke/CO detectors, likely missing GFCI at the kitchen sink, unknown condition/age of HVAC, water heater and electrical panel, and exterior trip/handrail and driveway repairs. With targeted safety items (install/verify smoke & CO alarms, install GFCI outlets where required, add/repair handrails, clear vegetation, minor roof/service and driveway repairs) the house could be made inspection-ready within 30 days. Expect some system work if HVAC or utilities are older or nonfunctional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Interior photos show a functional kitchen with stove and dishwasher, painted cabinets and laminate floors in generally good cosmetic condition. Exterior shows worn driveway surface, overgrown landscaping and some surface staining on roof and siding. No evidence of collapsed ceilings, major drywall damage, or exposed subfloor. Missing minor items likely (touch-up paint, trim, driveway/porch cleaning, landscaping). Missing appliances are not an issue here because stove and dishwasher are present."
},
{
"key": "safety_code",
"label": "NSPIRE / safety & code risks",
"score": 55.0,
"rationale": "No smoke detectors or CO detectors are visible in the interior photos (required by NSPIRE). Kitchen outlets visible appear to be standard receptacles — no obvious GFCI shown at sink (likely required). Windows appear adequate for egress in bedrooms/living areas. Entry doors and windows appear intact; porch steps have a short railing but some exterior steps/approaches may not have continuous handrails. No exposed wiring or visible electrical hazards in photos, and no visible active leaks or collapsed structure. Because critical safety items (smoke/CO detectors, GFCI) are not visible, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, electrical, plumbing systems",
"score": 50.0,
"rationale": "Roof shows age and discoloration but no visible sagging or large missing sections in photos; chimney present. No HVAC equipment, thermostat, vents, water heater or electrical panel are shown in the photos — their presence and condition are unknown. Given the house age (built 1952) and visible exterior wear, systems should be assumed to need service/inspection; potential for older HVAC, water heater or electrical components that may require repair or replacement. Without clear evidence of functioning central HVAC or modern systems, assign a moderate score."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 60.0,
"rationale": "Large corner lot with mature trees and plenty of yard space. Siding, stone veneer and foundation appear intact in photos. Driveway surface is cracked/patchy and there is overgrown vegetation near the house that should be trimmed back. Mature trees sit close to the house which can present roof/root risks over time. Carport/covered parking appears serviceable. Overall site is functional but needs cleanup and some repairs to improve safety and curb appeal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos (inspection-fail risk).",
"No visible GFCI protection at kitchen sink outlets (common NSPIRE fail).",
"Large mature trees very close to the house — potential root/foundation and roof risk over time.",
"Driveway and exterior walking surfaces show cracking/uneven areas that could be trip hazards.",
"Porch/steps handrail appears incomplete or minimal in photos — potential handrail/stair safety issue.",
"Mechanical systems (HVAC, water heater, electrical panel) not shown — unknown condition could require repairs/replacement."
],
"confidence": 0.65,
"assumptions": [
"Stove and dishwasher shown in photos are present and operational at turnover.",
"Central HVAC and water heater exist but their function/age are unknown (no equipment shown in photos).",
"Electrical panel is present and intact but not shown; no exposed live wiring visible in photos.",
"No active roof leaks, major foundation movement, collapsed ceilings or large mold issues are present (not visible in provided photos).",
"Bedrooms have required egress windows (windows visible appear large enough but exact compliance not verified).",
"Smoke and carbon monoxide detectors are not visible in photos and should be treated as likely missing or needing verification."
],
"overall_score": 60.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "128 NW 18th Ave, Birmingham, AL, 35215",
"aggregate": {
"summary": "This 4-bed/2-bath single-family appears cosmetically serviceable and likely able to meet most NSPIRE items after minor to moderate work. Interior finishes, appliances (electric range and dishwasher) and general layout look acceptable. Primary risks are unverified life-safety devices (smoke/CO), unknown HVAC/water heater/electrical panel condition, an aged roof, and vegetation/large trees close to the structure. Expect minor repairs and a mechanical verification visit; likely rent-ready within ~30 days if systems are confirmed functional and smoke/CO detectors and GFCI protection are installed where required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.7,
"rationale": "Interior photos show generally serviceable finishes: painted cabinets, laminate/wood floors in good-looking condition, functioning range and dishwasher present. Exterior shows peeling/mossy driveway, overgrown planting beds, and cosmetically weathered trim. No evidence of collapsed ceilings, exposed subfloor or severe interior deterioration. Missing cosmetic repairs and some exterior deferred maintenance likely; missing major appliances is not an issue (range and dishwasher visible)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 64.3,
"rationale": "Large corner lot with mature trees and ample yard space. Siding and stone veneer appear intact in photos. Driveway shows cracking, moss and some deterioration. Vegetation is close to the foundation and there is overgrowth along the lot edges which could trap moisture or create pest harborage. Carport and porch are present and look usable. No obvious foundation collapse or major wall separation visible from exterior photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 58.3,
"rationale": "No visible exposed wiring, stairs and handrails are present, windows appear to provide egress in main rooms pictured, and plumbing fixtures in kitchen appear operational. However, smoke detectors and carbon monoxide alarms are not visible in photos (likely required), GFCI outlets near counters are not clearly shown, and kitchen outlets appear standard. No visible mold, no active water intrusion seen. Overall moderate NSPIRE risk due to missing/uncertain life-safety devices and unknown GFCI protection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 53.3,
"rationale": "Major systems (HVAC, electrical panel, water heater) are not shown. No exterior AC condenser or clear heating system seen in photos; chimney suggests a fireplace but not primary heating. Roof shingles appear aged with staining and likely near end of service life. Plumbing and electrical condition cannot be confirmed from images. Based on appearance the systems are probably serviceable but aged — moderate risk for initial inspection without verification of functioning HVAC, water heater and intact electrical panel."
}
],
"red_flags": [
"Aged roof with staining and visible wear — potential near-term roof replacement needed",
"No visible exterior HVAC unit or clear evidence of primary heating system in photos (heating/HVAC must be verified operational)",
"Large mature trees and vegetation close to the building — risk to foundation, drainage and from falling limbs"
],
"confidence": 0.84,
"assumptions": [
"Photos are representative of whole property; areas not shown (bathrooms, mechanical closet, electrical panel, exterior HVAC condenser) are assumed typical for a 1952 house but unverified.",
"Range and dishwasher shown are assumed operational; refrigerator not pictured but missing fridge alone is not treated as a failure.",
"No visible smoke or CO detectors in photos; assume they are not installed or not photographed and will need verification/installation.",
"No interior evidence of active roof leaks, collapsed ceilings, or severe mold in provided photos; such issues would have been visible if extreme.",
"HVAC system is not visible in photos; assume there is an existing but potentially aged heating/cooling system that requires operational verification."
],
"score_method": "mean_of_criteria",
"overall_score": 62.2,
"rubric_version": "2026-02_nsprite_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7028138696"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.