Property ID: 7046548072
2928 6th Ave N, Bessemer, AL, 35020
Bessemer, AL
Money Down: $30,000
CoC Return: 3.77%
Monthly Cash Flow: $94
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,000
Closing Costs
$5,000
Total Down
$30,000
Investment Snapshot
Purchase Price
$125,000
Money Down
$30,000
Cash-on-Cash Return
3.77%
Rent
$1,005
Monthly Cash Flow
$94
Annual Cash Flow
$1,131
Debt Service / Mo
$665
Property Tax / Mo
$84
Insurance / Mo
$61
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,005
Payment Standard
$1,419
Rent
$1,005
Insurance
$61
Property Tax
$84
Management
$100
Utilities Allowance
$414
NOI (Monthly)
$760
Debt Service
$665
Cash Flow After Debt
$94
Quality Score: 70.80%
Confidence: 93.00%
Overall the property appears to be recently renovated cosmetically and is likely close to rent-ready for HCV/Section 8. Primary visible strengths are updated exterior, windows and remodeled bathroom. Main inspection risks are unverified mechanical systems (HVAC, water heater), and inability to confirm smoke/CO detectors, GFCI/AFCI protection, and presence/condition of kitchen appliances. With a short scope of verification work (confirm detectors, verify HVAC operation, install/confirm appliance availability, and address any minor GFCI or outlet issues) the unit could pass an initial NSPIRE inspection within 2–4 weeks.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$414
Guaranteed Section 8 Rent (PS - Utilities)
$1,005
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$125,000
Beds
3
Baths
2
Living Area
1,068 sqft
Lot Size
9,583 sqft
Year Built
1948
Days on Market
132
Capital Outlay
$30,000
Debt Service
$665
Property Tax / Mo
$84
Insurance / Mo
$61
Property Description
Welcome to this charming one-level home, perfectly situated on a corner lot! This property is sure to charm you from the very first glance. This completely renovated interior features 3 spacious bedrooms and 2 updated bathrooms, completely updated to suit your modern tastes. The new floors and crisp interior paint create a bright and airy atmosphere. Step outside to the deck perfect for entertaining friends and family, or simply unwinding after a long day. The large yard provides plenty of space for outdoor activities, gardening, or simply enjoying the fresh air. This home has undergone a comprehensive renovation, boasting new interior and exterior paint, all-new floors throughout, and beautifully remodeled bathrooms. Whether you're looking for a peaceful retreat or a family home, this is the home for you.
Utility Allowances
Heating
$67
Selected 'Elec Heat: Bessemer' based on property's electric heating system and location.
Cooling
$15
Selected 'A/C: Bessemer' based on property's central air and location.
Cooking
$14
Selected 'Elec: Bessemer' for cooking as the property has an electric stove and is located in Bessemer.
Water Heater
$37
Selected 'Elec: Bessemer' for water heating as the property has an electric water heater and is located in Bessemer.
Other Electric
$48
Selected 'Lights, Ref, Etc.: Bessemer' as the standard electric service for the property's location.
Water
$68
Selected 'Water: Bessemer' as the property has public water and is located in Bessemer.
Sewer
$151
Selected the fixed allowance for 'Sewer' as the property is 'Sewer Connected'.
Trash Collection
$0
Selected 'Bessemer ISCL' based on property location. The allowance is $0 per the schedule.
Refrigerator
$8
The property info does not state a refrigerator is included, so the tenant-owned allowance is applied.
Microwave
$6
The property info does not state a microwave is included, so the tenant-owned allowance for 'range_microwave' is applied.
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$592
DP3 Annual Estimate$879
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$73
Replacement Value$65,300
Basis1,068 sqft / 1948
Nearby Houses
Photo unavailable
2917 7th Ave N Unit 13
sold · 0.05 mi
Price: $1,020
— bd / — ba
Latest sale: $1,020 on Jan 09, 2019
Latest rent: —
Photo unavailable
3019 7th Ave N
off_market · 0.06 mi
Price: $53,500
3 bd / 1 ba · 1,087 sqft
Latest sale: $36,900 on Dec 01, 2025
Latest rent: —
Photo unavailable
2901 6th Ave N
sold · 0.07 mi
Price: $183,500
3 bd / 3 ba · 1,756 sqft
Latest sale: $183,500 on Mar 14, 2025
Latest rent: —
Photo unavailable
3004 5th Ave N
sold · 0.10 mi
Price: $8,350
3 bd / 1 ba
Latest sale: $8,350 on Apr 13, 2016
Latest rent: —
Photo unavailable
2904 7th Ave N Lot 7
sold · 0.11 mi
Price: $2,000
— bd / — ba
Latest sale: $2,000
Latest rent: —
Photo unavailable
2824 N 5th Ct
sold · 0.11 mi
Price: $115,000
3 bd / 2 ba · 2,015 sqft
Latest sale: $115,000 on Jan 10, 2022
Latest rent: —
Photo unavailable
2816 6th Ct N
sold · 0.12 mi
Price: $85,000
6 bd / 3 ba · 2,240 sqft
Latest sale: $85,000 on Jul 28, 2025
Latest rent: —
Photo unavailable
3101 7th Ave N
sold · 0.12 mi
Price: $135,000
3 bd / 1 ba · 1,698 sqft
Latest sale: $135,000 on Jun 30, 2023
Latest rent: —
Photo unavailable
2816 N 5th Ct
off_market · 0.13 mi
Price: $74,990
4 bd / 3 ba · 1,863 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2825 5th Ct N
sold · 0.13 mi
Price: $95,000
3 bd / 2 ba · 1,131 sqft
Latest sale: $95,000 on Apr 26, 2024
Latest rent: $1,150 on Nov 19, 2024
Photo unavailable
2808 6th Ct N
sold · 0.14 mi
Price: $23,500
3 bd / 2 ba · 969 sqft
Latest sale: $23,500 on Jan 19, 2022
Latest rent: —
Photo unavailable
3112 6th Ave N
for_sale · 0.14 mi
Price: $149,900
4 bd / 2 ba · 1,664 sqft
Latest sale: $23,500 on Dec 07, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible exterior HVAC condenser or clear evidence of heating/cooling equipment in photos (heating/AC presence and operation unverified).
- No smoke detectors or carbon monoxide detectors are visible in the supplied photos (placement and functionality unconfirmed).
- Kitchen and appliances not shown in listing photos — stove/refrigerator presence not verified (could delay move-in if absent).
Assumptions
- Listing statement that interior is 'completely renovated' is accurate and interior finishes (floors, paint) are new as described.
- Bedrooms have at least one operable egress window each (not directly shown but likely given window sizes on exterior photos).
- Hot water and functioning plumbing are present given renovated bathrooms, though not directly photographed.
- HVAC system exists inside the property but external condenser or heating vents are not visible in provided photos; its operational status is unconfirmed.
- Electrical service is active and exterior meter/panel appearance indicates service is present; internal breaker condition and protections (AFCI/GFCI) are unverified.
- Kitchen/appliances (stove, refrigerator) are not shown and may be missing or left to tenant; missing appliances would reduce readiness but are not assumed to be a catastrophic failure.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $975 | $71,000 | $14,200 |
| 2023 | $975 | $71,000 | $14,200 |
| 2022 | $726 | $52,900 | $10,580 |
| 2007 | $307 | $51,700 | $5,170 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-05-24 | Sold | $27,801 |
| 2022-12-02 | Sold | $30,107 |
| 1997-10-08 | Sold | $4,000 |
Photo Gallery
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{
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{
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{
"note": "Selected 'Elec: Bessemer' for water heating as the property has an electric water heater and is located in Bessemer.",
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},
{
"note": "Selected 'Lights, Ref, Etc.: Bessemer' as the standard electric service for the property's location.",
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{
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{
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{
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{
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{
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"HVAC system exists inside the property but external condenser or heating vents are not visible in provided photos; its operational status is unconfirmed.",
"Electrical service is active and exterior meter/panel appearance indicates service is present; internal breaker condition and protections (AFCI/GFCI) are unverified.",
"Kitchen/appliances (stove, refrigerator) are not shown and may be missing or left to tenant; missing appliances would reduce readiness but are not assumed to be a catastrophic failure."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This property appears to be a mostly turnkey, recently renovated 3-bed/2-bath home with new interior finishes and updated bathrooms. Exterior siding and porch are in generally good condition. Primary inspection risks are unverified items that are not shown in the photos: presence and placement of smoke and CO alarms, GFCI protection, operable HVAC and hot water system, and confirmation of functional kitchen appliances. Minor exterior repairs (walkway, minor fascia/soffit touch-up, yard cleanup) and confirmation/installation of required safety devices should put this property in good position to pass an initial Housing Choice Voucher/NSPIRE inspection within 1–3 weeks. If HVAC or hot water is missing/nonfunctional, that would increase time-to-rent and lower pass likelihood.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos and listing show a recently renovated interior (new floors, paint, remodeled bathrooms). Exterior vinyl siding and porch appear freshly painted. Visible minor deferred maintenance: painted porch slab with leaf debris, cracked/uneven concrete walkway, some fascia/soffit edges show wear near the right side roofline. No visible collapsed ceilings, major drywall damage, or exposed subfloor. Missing kitchen appliances are not shown in photos (unknown) — absence would be a moderate capital item but not catastrophic. Overall mostly cosmetic/minor repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 72.0,
"rationale": "No obvious life‑threatening hazards visible: exterior electrical meter and panel present and appear intact; no exposed wiring visible in photos; no standing water, collapsed ceilings, or visible severe mold. Entry door appears secure though deadbolt not visible in photos. Egress windows appear present in bedrooms from exterior window size, but bedroom interiors were not shown to confirm. No photos of smoke detectors, CO alarms, or GFCI receptacles — these are required for NSPIRE and must be verified prior to inspection. Slight roofline/facia wear visible that should be checked for active leaks. Overall moderate compliance risk because required alarms and GFCI presence are unconfirmed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "Bathroom plumbing fixtures look new and tile work appears recently completed. Electrical service and meter are present; panel exterior cover visible and appears intact. Roof appears serviceable in photos though fascia shows minor wear at one corner — no active leaks visible. No HVAC equipment (outside condenser) or water heater photos provided; listing states 'completely renovated' which suggests systems were updated but their operation and age are unverified. Because major systems (HVAC, hot water) are not documented in the photos, some inspection risk remains."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Corner lot with a large yard and chain link fence visible. Vinyl siding looks in good condition, windows intact. Porch structure is solid with support posts; no missing guardrails required because porch is at or near grade. Sidewalk/driveway concrete is cracked/uneven and will be a minor trip hazard that should be repaired or flagged. Yard is somewhat overgrown; curb appeal good otherwise. No visible pest infestation or erosion/drainage issues in provided photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Interior renovations listed (new floors, paint, remodeled bathrooms) are accurate and work is complete.",
"There is a functioning hot water heater and heating/cooling system even though they are not visible in provided photos (typical after an interior renovation).",
"Smoke detectors and carbon monoxide alarms were likely installed during the renovation but their locations and operation need verification.",
"Kitchen appliances (stove, refrigerator) are not shown — assume they may be missing or will be provided; missing appliances are treated as capital items rather than immediate safety failures.",
"Electrical service is active and the visible exterior panel is serviceable; no hidden electrical hazards are present based solely on exterior photos.",
"Windows shown provide required bedroom egress; interior bedroom window frames and hardware are functional.",
"No significant hidden structural issues (foundation movement, major roof failure) exist beyond minor fascia wear visible in photos."
],
"overall_score": 73.0,
"rubric_version": "ns_pire_v1.0"
},
{
"summary": "Overall the property appears to be a cosmetically renovated, low‑risk single‑level house that could become Section 8 / HCV-ready with a short punchlist. Visible renovations (new floors, painted interior/exterior, updated bathrooms, intact siding/windows) point toward a mostly turnkey condition. Main NSPIRE risks are lack of documented smoke/CO detectors, unverified heating/HW systems and missing visible kitchen appliances. Exterior trip hazard (sidewalk crack) and yard cleanup are minor. Recommend confirming presence/operation of HVAC, water heater/hot water, smoke and CO alarms, GFCI outlets in wet locations, and adding/confirming a keyed deadbolt before listing for voucher tenants.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Listing and photos show a recent interior renovation (new floors, paint, remodeled bathrooms) and a freshly painted exterior. Bathroom tile and tub appear new; windows and siding look in good cosmetic condition. Visible minor issues: exterior concrete/walkway has cracks and leaves/yard debris; no interior photos of living areas/kitchen to confirm appliance presence. Missing kitchen appliances were not shown; those reduce turnkey readiness moderately but are easily remedied. Overall mostly cosmetic/minor items likely needed (landscaping, small touch-ups, verify appliance installation)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed wiring, electrical meter/panel appears intact). However photos do not show smoke detectors or carbon monoxide alarms, no deadbolt is visible on the entry door, and bedroom egress cannot be confirmed from images. Porch has a low lip/edge and a cracked walkway which could be a trip hazard. These undocumented items represent moderate NSPIRE inspection risk until verified (smoke/CO detectors, egress, GFCI near wet areas, and a working locking deadbolt)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Exterior roof appears generally straight in the photos with no visible active leaks or sagging. Electrical service and meter/panel are visible and appear intact from exterior shots. However no heating/AC equipment, water heater, or HVAC registers are shown in the photos or listing; plumbing fixtures in the bathroom appear new but hot water capability cannot be confirmed. Because major systems (heating, cooling, water heater) are unverified, there is moderate risk — these systems are critical for an initial NSPIRE pass."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Front elevation, siding, trim and covered porch have been recently painted and look solid. Foundation visibility is limited but no obvious large cracks or settlement are visible in the provided angles. Yard appears large but is overgrown with leaves and there is a cracked/uneven sidewalk along the side which could be cleaned and repaired easily. No visible infestation, standing water, or major site drainage issues from available photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — missing detectors will cause inspection failure if not installed.",
"No visible heating/HVAC or water‑heater equipment in listing photos or description — lack of a working heating system is a major inspection risk.",
"No kitchen appliances shown (stove/refrigerator) — reduces turnkey readiness and may delay move‑in if tenant‑provided appliances are not allowed."
],
"confidence": 0.6,
"assumptions": [
"Interior living areas and kitchen are in similar renovated condition to the bathroom and exterior, but appliances (stove/refrigerator) are not visible and may be missing.",
"No evidence of active roof leaks or structural sagging based on visible roofline; attic/under‑structure not inspected in photos.",
"Electrical service/panel is assumed functional since exterior meter and panel box are present and appear intact, but internal wiring condition is unverified.",
"Heating, cooling, and water‑heating systems exist but were not photographed or described; their operability is unknown and must be verified.",
"Smoke detectors and carbon monoxide alarms were not photographed; assume they may be absent or not shown and should be verified/installed per NSPIRE."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2928 6th Ave N, Bessemer, AL, 35020",
"aggregate": {
"summary": "Overall the property appears to be recently renovated cosmetically and is likely close to rent-ready for HCV/Section 8. Primary visible strengths are updated exterior, windows and remodeled bathroom. Main inspection risks are unverified mechanical systems (HVAC, water heater), and inability to confirm smoke/CO detectors, GFCI/AFCI protection, and presence/condition of kitchen appliances. With a short scope of verification work (confirm detectors, verify HVAC operation, install/confirm appliance availability, and address any minor GFCI or outlet issues) the unit could pass an initial NSPIRE inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Exterior and photographed bathroom show recent cosmetic renovation (new siding/paint, new bath tile, fresh-looking windows, new floors claimed in listing). Porch and concrete show only cosmetic wear (painted surface, leaves). No visible major interior destruction in photos. Missing kitchen photos and no visible appliances are unknowns and reduce score moderately. Overall appears mostly renovated with minor touch-ups likely only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Siding, trim, windows and porch appear recently refreshed and in good cosmetic condition. Roof edges visible do not show obvious collapse or major sag in photos; no obvious foundation movement is visible. Yard needs basic cleanup (leaves) and some concrete/walkway cracking is present but not severe. Property sits on a corner lot with chain‑link visible; site appears serviceable with normal maintenance required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 67.3,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible severe mold or fire damage). Electrical meter and exterior panel present and appear intact from outside. However, smoke and carbon monoxide detectors are not visible in photos (cannot confirm placement/operation). GFCI presence in kitchen and bathrooms not verified. Bedroom egress likely acceptable from front windows but not confirmed. Because critical safety devices and some code items cannot be verified, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 61.7,
"rationale": "No HVAC condenser, water heater, or furnace vents are shown in photos — mechanical systems are unverified. Electrical service and meter are visible which is positive, but internal electrical panel condition, breaker labeling, grounding and GFCI/AFCI protections are unknown. The renovation suggests plumbing and bath fixtures were updated, but hot water availability and overall HVAC functionality are assumptions. Unknown systems reduce score to reflect potential inspection issues."
}
],
"red_flags": [
"No visible exterior HVAC condenser or clear evidence of heating/cooling equipment in photos (heating/AC presence and operation unverified).",
"No smoke detectors or carbon monoxide detectors are visible in the supplied photos (placement and functionality unconfirmed).",
"Kitchen and appliances not shown in listing photos — stove/refrigerator presence not verified (could delay move-in if absent)."
],
"confidence": 0.93,
"assumptions": [
"Listing statement that interior is 'completely renovated' is accurate and interior finishes (floors, paint) are new as described.",
"Bedrooms have at least one operable egress window each (not directly shown but likely given window sizes on exterior photos).",
"Hot water and functioning plumbing are present given renovated bathrooms, though not directly photographed.",
"HVAC system exists inside the property but external condenser or heating vents are not visible in provided photos; its operational status is unconfirmed.",
"Electrical service is active and exterior meter/panel appearance indicates service is present; internal breaker condition and protections (AFCI/GFCI) are unverified.",
"Kitchen/appliances (stove, refrigerator) are not shown and may be missing or left to tenant; missing appliances would reduce readiness but are not assumed to be a catastrophic failure."
],
"score_method": "mean_of_criteria",
"overall_score": 70.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7046548072"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.