Property ID: 7049818029
625 5th Way, Birmingham, AL, 35214
Birmingham, AL
Money Down: $21,360
CoC Return: 8.85%
Monthly Cash Flow: $158
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,800
Closing Costs
$3,560
Total Down
$21,360
Investment Snapshot
Purchase Price
$89,000
Money Down
$21,360
Cash-on-Cash Return
8.85%
Rent
$1,003
Monthly Cash Flow
$158
Annual Cash Flow
$1,890
Debt Service / Mo
$474
Property Tax / Mo
$118
Insurance / Mo
$153
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,003
Payment Standard
$1,518
Rent
$1,003
Insurance
$153
Property Tax
$118
Management
$100
Utilities Allowance
$515
NOI (Monthly)
$631
Debt Service
$474
Cash Flow After Debt
$158
Quality Score: 76.10%
Confidence: 89.00%
Property appears largely turnkey for a Housing Choice Voucher inspection. Interior renovations (flooring, cabinets, countertops), present kitchen appliances, new roof and reported updated wiring/plumbing strongly reduce inspection risk. Minor issues observed: cracked/uneven exterior walkways (trip hazards), unclear presence/placement of GFCI outlets and CO detectors, and lack of visible electrical panel/water-heater images. With quick verification/fixes (confirm/replace GFCI, confirm smoke/CO placement, address trip hazards), this home is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$1,003
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$89,000
Beds
3
Baths
1
Living Area
1,774 sqft
Lot Size
6,970 sqft
Year Built
1935
Days on Market
180
Capital Outlay
$21,360
Debt Service
$474
Property Tax / Mo
$118
Insurance / Mo
$153
Property Description
LOOK no farther. New roof, laminate flooring, updated wiring and plumbing. Also has a fully fenced in front and back yard. Great neighborhood to live in or you can add it to your rental portfolio . This home is rented. Please do not disturb the renters. Thanks,
Utility Allowances
Heating
$93
Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. Property data indicates electric heating. Alabama Power is the most common provider in Birmingham and the highest cost option on the schedule.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property data indicates electric cooling. Alabama Power is the most common provider in Birmingham.
Stove/Oven
$21
Selected 'Elec: Ala Power' for cooking for a 3-bedroom unit. Property data indicates an electric stove is provided. Alabama Power is the most common provider.
Water Heating
$56
Selected 'Elec: Ala Power' for water heating for a 3-bedroom unit. Property data indicates an electric water heater. Alabama Power is the most common provider.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity usage not accounted for by other major appliances. Alabama Power is the chosen provider for consistency.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit. Property data indicates public water, and this option directly matches the property's city.
Sewer
$151
Selected the fixed sewer rate for a 3-bedroom unit. Property data confirms it is 'Sewer Connected'.
Trash Collection
$20
Selected 'Jefferson City (Once per week)'. Property is in Birmingham (Jefferson County), and this is the most suitable general option available on the schedule.
Range/Microwave
$6
The property does not explicitly state a microwave is included. This allowance is for a tenant-owned microwave's electrical usage.
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$1,637
DP3 Annual Estimate$2,036
DP1 Monthly Equivalent$136
DP3 Monthly Equivalent$170
Replacement Value$300,000
Basis1,774 sqft / 1935
Nearby Houses
Photo unavailable
616 5th Way
sold · 0.04 mi
Price: $23,000
3 bd / 2 ba · 1,521 sqft
Latest sale: $23,000 on Apr 18, 2023
Latest rent: —
Photo unavailable
604 5th Way
sold · 0.06 mi
Price: $82,500
2 bd / 2 ba · 1,513 sqft
Latest sale: $82,500 on Oct 17, 2025
Latest rent: $1,000 on Nov 06, 2025
Photo unavailable
509 Avenue G
sold · 0.11 mi
Price: $16,000
3 bd / 1 ba · 1,400 sqft
Latest sale: $16,000 on Jan 19, 2022
Latest rent: —
Photo unavailable
604 5th Pl
sold · 0.11 mi
Price: $38,500
3 bd / 1 ba · 1,176 sqft
Latest sale: $38,500 on Aug 02, 2024
Latest rent: $1,100 on Feb 15, 2026
Photo unavailable
617 6th St
sold · 0.13 mi
Price: $20,000
2 bd / 1 ba · 910 sqft
Latest sale: $20,000 on Oct 31, 2022
Latest rent: —
Photo unavailable
509 5th Pl
sold · 0.14 mi
Price: $97,000
4 bd / 6 ba · 1,432 sqft
Latest sale: $97,000 on Jul 30, 2020
Latest rent: $1,000 on Sep 16, 2021
Photo unavailable
801 6th Pl
sold · 0.16 mi
Price: $63,000
3 bd / 1 ba · 1,040 sqft
Latest sale: $63,000 on Apr 07, 2025
Latest rent: $1,300 on Jul 22, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement 'new roof' and 'updated wiring and plumbing' are accurate and represent recent work in good condition.
- Central HVAC is present and operational (floor vents visible) though equipment is not shown.
- At least one smoke alarm is installed (device visible in photos); additional alarms and CO detectors may be needed but not pictured.
- Electrical panel and water heater exist and are functional though not pictured.
- Bedrooms have code-compliant egress windows (not shown in photos) given the overall renovated condition.
- No active pest infestation or hidden mold beyond what is visible in the photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,380 | $95,200 | $19,040 |
| 2023 | $1,380 | $95,200 | $19,040 |
| 2022 | $454 | $72,600 | $7,260 |
| 2021 | $454 | $72,600 | $7,260 |
| 2020 | $454 | $72,600 | $7,260 |
| 2019 | $451 | $72,100 | $7,220 |
| 2018 | $380 | $62,400 | $6,240 |
| 2017 | $380 | $62,400 | $6,240 |
| 2016 | $380 | $62,400 | $6,240 |
| 2015 | $380 | $62,400 | $6,240 |
| 2013 | $342 | $61,500 | $6,160 |
| 2011 | $347 | $62,400 | $6,240 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-08-04 | Sold | $72,000 |
| 2022-03-02 | Sold | $44,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-10-29 | Listed for rent | $825 | — |
| 2025-06-20 | Listed for rent | $950 | — |
| 2025-04-18 | Listed for rent | $1,100 | — |
Photo Gallery
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"list_date": "2023-05-13T13:36:35Z",
"list_price": 114000,
"listing_id": "2955590630",
"last_update_date": "2023-08-22T00:18:05Z",
"last_status_change_date": "2023-10-01T05:54:38Z"
},
"event_name": "Price Changed",
"price_sqft": 67.64374295377678,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "1353945",
"price_change_percentage": null
},
{
"date": "2023-05-13",
"price": 125000,
"listing": {
"status": "off_market",
"list_date": "2023-05-13T13:36:35Z",
"list_price": 114000,
"listing_id": "2955590630",
"last_update_date": "2023-08-22T00:18:05Z",
"last_status_change_date": "2023-10-01T05:54:38Z"
},
"event_name": "Listed",
"price_sqft": 70.46223224351748,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1353945",
"price_change_percentage": "+73.61%"
},
{
"date": "2022-08-04",
"price": 72000,
"listing": null,
"event_name": "Sold",
"price_sqft": 40.58624577226607,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "+44.29%"
},
{
"date": "2022-01-29",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2021-07-28T11:13:50Z",
"list_price": 49900,
"listing_id": "2932328336",
"last_update_date": "2021-11-11T01:26:47Z",
"last_status_change_date": "2022-01-29T03:32:13Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "185 days",
"source_listing_id": "1293517",
"price_change_percentage": null
},
{
"date": "2021-07-28",
"price": 49900,
"listing": {
"status": "off_market",
"list_date": "2021-07-28T11:13:50Z",
"list_price": 49900,
"listing_id": "2932328336",
"last_update_date": "2021-11-11T01:26:47Z",
"last_status_change_date": "2022-01-29T03:32:13Z"
},
"event_name": "Listed",
"price_sqft": 28.128523111612175,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1293517",
"price_change_percentage": null
},
{
"date": "2021-07-01",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2021-01-24T15:07:44Z",
"list_price": 49900,
"listing_id": "2925353151",
"last_update_date": "2021-06-09T13:54:27Z",
"last_status_change_date": "2021-07-01T03:36:12Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "158 days",
"source_listing_id": "1274556",
"price_change_percentage": null
},
{
"date": "2021-01-24",
"price": 49900,
"listing": {
"status": "off_market",
"list_date": "2021-01-24T15:07:44Z",
"list_price": 49900,
"listing_id": "2925353151",
"last_update_date": "2021-06-09T13:54:27Z",
"last_status_change_date": "2021-07-01T03:36:12Z"
},
"event_name": "Listed",
"price_sqft": 28.128523111612175,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1274556",
"price_change_percentage": null
},
{
"date": "2021-01-02",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2020-08-07T12:58:51Z",
"list_price": 54900,
"listing_id": "2919552823",
"last_update_date": "2020-09-25T14:48:18Z",
"last_status_change_date": "2021-01-02T03:32:50Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "148 days",
"source_listing_id": "891712",
"price_change_percentage": null
},
{
"date": "2020-09-25",
"price": 54900,
"listing": {
"status": "off_market",
"list_date": "2020-08-07T12:58:51Z",
"list_price": 54900,
"listing_id": "2919552823",
"last_update_date": "2020-09-25T14:48:18Z",
"last_status_change_date": "2021-01-02T03:32:50Z"
},
"event_name": "Price Changed",
"price_sqft": 30.947012401352875,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "891712",
"price_change_percentage": null
},
{
"date": "2020-08-07",
"price": 59900,
"listing": {
"status": "off_market",
"list_date": "2020-08-07T12:58:51Z",
"list_price": 54900,
"listing_id": "2919552823",
"last_update_date": "2020-09-25T14:48:18Z",
"last_status_change_date": "2021-01-02T03:32:50Z"
},
"event_name": "Listed",
"price_sqft": 33.765501691093576,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "891712",
"price_change_percentage": null
},
{
"date": "2019-03-13",
"price": 800,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 950,
"listing_id": "641200671",
"last_update_date": "2025-06-12T15:04:34Z",
"last_status_change_date": "2025-06-19T20:44:35Z"
},
"event_name": "Listing removed",
"price_sqft": 0.4509582863585118,
"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "96251",
"price_change_percentage": null
},
{
"date": "2019-02-11",
"price": 800,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 950,
"listing_id": "641200671",
"last_update_date": "2025-06-12T15:04:34Z",
"last_status_change_date": "2025-06-19T20:44:35Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.4509582863585118,
"source_name": "TenantTurner",
"price_change": -25,
"days_after_listed": null,
"source_listing_id": "96251",
"price_change_percentage": null
},
{
"date": "2019-02-02",
"price": 825,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 950,
"listing_id": "641200671",
"last_update_date": "2025-06-12T15:04:34Z",
"last_status_change_date": "2025-06-19T20:44:35Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.4650507328072153,
"source_name": "TenantTurner",
"price_change": -25,
"days_after_listed": null,
"source_listing_id": "96251",
"price_change_percentage": null
},
{
"date": "2019-01-16",
"price": 850,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 950,
"listing_id": "641200671",
"last_update_date": "2025-06-12T15:04:34Z",
"last_status_change_date": "2025-06-19T20:44:35Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.4791431792559188,
"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "96251",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Building permit",
"permit_effective_date": "Jan 23, 1995",
"permit_project_type_1": "Siding",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "7049818029",
"generated_at": "2026-02-16T02:59:29.165058Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 76.1
},
"utility_allowance": {
"zip_code": "35214",
"home_photo": "https://ap.rdcpix.com/5919343a1ce158faf31f8240a81b3766l-m1190150573s-w1280.jpg",
"rent_price": 1003.0,
"loan_amount": 71200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/625-5th-Way_Birmingham_AL_35214_M70498-18029",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 89000.0,
"loan_term_years": 30,
"annual_cash_flow": 7574.5,
"mortgage_monthly": 473.7,
"payment_standard": 1518.0,
"total_amount_out": 17800.0,
"additional_photos": [
"https://ap.rdcpix.com/5919343a1ce158faf31f8240a81b3766l-m4192947892s-w1280.jpg",
"https://ap.rdcpix.com/5919343a1ce158faf31f8240a81b3766l-m2747590339s-w1280.jpg",
"https://ap.rdcpix.com/5919343a1ce158faf31f8240a81b3766l-m324325989s-w1280.jpg",
"https://ap.rdcpix.com/5919343a1ce158faf31f8240a81b3766l-m1380668637s-w1280.jpg",
"https://ap.rdcpix.com/5919343a1ce158faf31f8240a81b3766l-m257663019s-w1280.jpg",
"https://ap.rdcpix.com/5919343a1ce158faf31f8240a81b3766l-m2061482844s-w1280.jpg",
"https://ap.rdcpix.com/5919343a1ce158faf31f8240a81b3766l-m671088489s-w1280.jpg",
"https://ap.rdcpix.com/5919343a1ce158faf31f8240a81b3766l-m1481761785s-w1280.jpg",
"https://ap.rdcpix.com/5919343a1ce158faf31f8240a81b3766l-m2116839399s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 153.04,
"monthly_cash_flow": 631.21,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. Property data indicates electric heating. Alabama Power is the most common provider in Birmingham and the highest cost option on the schedule.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property data indicates electric cooling. Alabama Power is the most common provider in Birmingham.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for cooking for a 3-bedroom unit. Property data indicates an electric stove is provided. Alabama Power is the most common provider.",
"utility": "Stove/Oven",
"allowance": 21
},
{
"note": "Selected 'Elec: Ala Power' for water heating for a 3-bedroom unit. Property data indicates an electric water heater. Alabama Power is the most common provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity usage not accounted for by other major appliances. Alabama Power is the chosen provider for consistency.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit. Property data indicates public water, and this option directly matches the property's city.",
"utility": "Water",
"allowance": 78
},
{
"note": "Selected the fixed sewer rate for a 3-bedroom unit. Property data confirms it is 'Sewer Connected'.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Jefferson City (Once per week)'. Property is in Birmingham (Jefferson County), and this is the most suitable general option available on the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property does not explicitly state a microwave is included. This allowance is for a tenant-owned microwave's electrical usage.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.43,
"down_payment_amount": 17800.0,
"property_tax_annual": 1421.4,
"property_tax_monthly": 118.45,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": 1890.16,
"property_management_monthly": 100.3,
"monthly_cash_flow_after_debt": 157.51,
"cash_on_cash_return_after_debt": 0.11
},
"section8_assessment": {
"runs": [
{
"summary": "Property appears largely turnkey for a Housing Choice Voucher inspection. Interior renovations (flooring, cabinets, countertops), present kitchen appliances, new roof and reported updated wiring/plumbing strongly reduce inspection risk. Minor issues observed: cracked/uneven exterior walkways (trip hazards), unclear presence/placement of GFCI outlets and CO detectors, and lack of visible electrical panel/water-heater images. With quick verification/fixes (confirm/replace GFCI, confirm smoke/CO placement, address trip hazards), this home is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic renovation: new-looking laminate flooring, painted walls, updated kitchen cabinets and countertops, working range and refrigerator present. Exterior shows a newly replaced roof (listing) and intact chain-link fence; yard has worn concrete pads and minor surface cracking but no severe deterioration. Missing minor items (concrete trip spots, patched walkways, paint touch-ups) are cosmetic or small capital repairs and should be easy to fix."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 75.0,
"rationale": "No obvious life-threatening hazards visible. Interior shows at least one ceiling alarm/device and floor vents (indicating a central system). Entry doors appear secure with a metal security door at rear; front door deadbolt not confirmed. No exposed wiring visible in photos. Potential issues: GFCI outlets at kitchen counters are not clearly visible and should be confirmed; bedroom windows and egress from bedrooms are not shown but living areas have multiple windows. Front walkway and some concrete slabs show cracking/uneven surfaces (trip hazard). No visible mold, active water intrusion, collapsed ceilings, or foundation failure. Overall moderate NSPIRE risk pending verification of GFCI, smoke/CO placement, and door locks."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 80.0,
"rationale": "Listing states updated wiring and plumbing and photos show a new roof and floor vents (suggesting functioning HVAC). Kitchen plumbing and sink fixtures appear new. Washer/dryer hookups visible. Electrical panel and water heater not shown; no obvious knob-and-tube or hazardous wiring visible. Based on the seller's claims and visible finishes, mechanical systems are likely functional but some items (water heater location, HVAC operation, electrical panel labeling, GFCI functionality) require in-person verification."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.0,
"rationale": "Exterior siding and roof appear in good condition; chain-link fence around front/back yards is intact. Yard is enclosed and usable, but several concrete pads, walkways and driveway areas are cracked or uneven and present minor trip hazards. Some vegetation along property edges is overgrown. Raised foundation and exterior basement/crawl access appear intact with painted masonry; no obvious large foundation cracks or sagging visible in photos. Overall site needs minor cleanup and walkway repairs."
},
{
"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": 0.72,
"assumptions": [
"Listing statement 'new roof' and 'updated wiring and plumbing' are accurate and represent recent work in good condition.",
"Central HVAC is present and operational (floor vents visible) though equipment is not shown.",
"At least one smoke alarm is installed (device visible in photos); additional alarms and CO detectors may be needed but not pictured.",
"Electrical panel and water heater exist and are functional though not pictured.",
"Bedrooms have code-compliant egress windows (not shown in photos) given the overall renovated condition.",
"No active pest infestation or hidden mold beyond what is visible in the photos."
],
"overall_score": 79.0,
"rubric_version": "1.0"
},
{
"summary": "This 3BR single-family appears largely renovated and is likely to pass an initial HCV/NSPIRE inspection after a short pre-inspection checklist. Strengths: new-looking roof, updated interior finishes, visible appliances, intact exterior fence, updated wiring/plumbing claimed and exterior electrical panel appears intact. Primary inspection risks are small/medium: confirm GFCI protection in kitchen/bath, verify presence/placement of smoke/CO detectors (one smoke detector seen), confirm bedroom egress windows, secure/repair uneven concrete walkways and any loose retaining blocks, and verify HVAC and water heater operation. With the expected fixes (a few small safety items and remediation of trip hazards) this property should be rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently renovated: laminate flooring installed, painted walls, updated cabinets and counters, functioning stove and refrigerator visible, washer hookup present. Exterior siding and paint appear in fair condition and a new roof is advertised and visually consistent with photos. Observable deferred items are mostly cosmetic and low-cost: broken/uneven concrete walkways, some weathering on exterior stair railings and yard cleanup. Missing or loose small finish items (thresholds, small trim) possible but not evident as major work. Overall turn-key with minor repairs."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible. A ceiling smoke detector is visible in the living area. Exterior electrical meter/panel looks intact and there are no visible exposed live wires. However several NSPIRE items are not confirmed in the photos: GFCI protection at kitchen outlets not evident, carbon monoxide detectors not visible, bedroom egress windows cannot be fully confirmed (some windows appear small/narrow), and there are multiple trip hazards (broken concrete slabs at front walk and yard). Rear porch/stair railing is present but weathered. These unknowns and minor safety items reduce the score; they are likely fixable quickly but should be confirmed prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states updated wiring and plumbing; the exterior meter/panel appears intact and there are finished HVAC/floor vents visible suggesting functioning forced air or distribution. The roof appears new and in good visual condition. Water heater and HVAC equipment are not shown so full operational verification is not possible from photos. No visible active roof leaks, standing water, or obvious plumbing failures in photos. Given the visible updates and no system distress in images, systems likely in good condition but require on-site confirmation (water heater, HVAC operation, electrical panel labeling, hot water availability)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Property has a full chain‑link fence front and back (positive for security/child safety). Roof looks new; siding and painted foundation are intact. Yard is mostly clear but shows uneven/eroded concrete pads, cinder block retaining walls with some displaced blocks and weathered concrete edges that are trip hazards. Driveway area is worn/unpaved. Vegetation along lot lines is dense and could conceal pest or drainage issues. No evidence of major foundation movement or sagging in photos, but some finish concrete damage and retaining blocks need repair to remove inspection trip hazards."
},
{
"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": [
"Uneven/broken concrete walkways and pads at front and rear (trip hazard).",
"Displaced/loose cinder block retaining walls and weathered yard edges (trip/fall risk).",
"GFCI protection in kitchen/bath not visible — may fail NSPIRE if missing.",
"Carbon monoxide alarms not visible — may be required depending on fuel appliances or local code.",
"Bedroom egress windows not fully confirmed from photos (could fail if windows do not meet egress size or opening requirements)."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that roof, wiring, and plumbing were updated is accurate; roof visually appears new in photos.",
"HVAC system exists and is operational (floor vent visible) though the HVAC unit and water heater are not shown.",
"There are working smoke detectors in at least common areas (one visible); additional detectors and CO alarms may be required but not shown in photos.",
"No active major structural issues (foundation movement, sagging roof, collapsed ceilings) since none are visible; interior wall/attic conditions not visible and assumed satisfactory.",
"Appliances pictured (stove, refrigerator) are functional. Washer/dryer hookups visible but actual appliances may not be included.",
"Peeling lead-risk paint, hidden mold, major plumbing leaks, or electrical panel hazards are not present or are minor since not visible; on-site inspection required to confirm."
],
"overall_score": 80.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Overall this 3-bed single-family shows a recent cosmetic/partial systems rehab (new roof claimed, updated kitchen, flooring, plumbing/wiring per listing, appliances present). It is likely to pass an initial Housing Choice Voucher/NSPIRE inspection after verifying a few items: GFCI protection in the kitchen, presence/operation of the water heater and HVAC, and a functioning smoke/CO detector policy. Expect minor fixes (GFCI outlets or breakers, CO alarm if required, small concrete/porch repairs). With documentation and a quick punch-list this property appears rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic rehab: new laminate flooring, painted walls, new-looking kitchen cabinets, countertops and faucet, working stove and refrigerator present. Minor exterior and site wear: cracked/uneven concrete pads, weathered front porch steps and some concrete spalling. No visible major interior damage (no collapsed ceilings or exposed subfloor). Missing/minor items (porch paint, concrete repairs, minor trim caulking) are easy/low-cost fixes and would not by themselves prevent renting."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE key items)",
"score": 70.0,
"rationale": "A ceiling-mounted smoke detector is visible in the living area (positive). Entry has a security gate and the door appears secure. No exposed wiring or obvious electrical hazards in photos. Kitchen plumbing appears functional and a washer hookup/drain and dryer vent are present. Concerns: no GFCI-protected receptacle is visible near the kitchen sink (GFCI required by many local codes/NSPIRE expectations) and no carbon monoxide alarm is visible in photos. Bedroom egress looks plausible from window sizes shown but cannot be fully confirmed. Electrical panel, hot water heater and clear A/C/heat equipment are not shown; absence in photos increases inspection risk. Overall moderate risk for a voucher inspection primarily due to the unclear presence of GFCI/CO protection and missing verification of electrical panel/HPWH."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 75.0,
"rationale": "Listing and photos indicate a new roof (shingles appear new). Interior shows updated-looking plumbing fixtures and the listing claims updated wiring and plumbing. Floor vent visible (suggests forced-air ducts present). Stove and refrigerator are on-site. However key system components are not photographed: electrical panel, water heater and exterior HVAC condensing unit are not shown, so operability must be verified. Given recent interior rehab visuals and listing claims, assume systems were updated and are functional, but missing documentation/photo evidence keeps this from scoring higher."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.0,
"rationale": "Property has a full front and rear chain-link fence (listing confirms fenced front & back). Roof appears in good condition. Yard is usable and mostly cleared. Walkways and concrete pads are cracked/uneven in places (trip hazard at sidewalk/approach and deteriorated pads in rear). Vegetation is close to the building perimeter which can create drainage/infestation risk if not trimmed. Back stairs have a handrail but some surfaces and concrete need attention. No obvious foundation settlement, major siding failure or standing water visible in provided photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible GFCI-protected outlet at/near the kitchen sink in photos — potential NSPIRE/code failure if not present or protected at the breaker.",
"No carbon monoxide alarm visible in photos (required where fuel-burning appliances or attached garages exist; stove is electric but source of heating unknown).",
"Key system components (electrical panel, water heater, outdoor HVAC unit) not photographed — their operability must be confirmed before inspection.",
"Uneven/cracked front sidewalk and deteriorated concrete pads present trip hazards that should be addressed."
],
"confidence": 0.7,
"assumptions": [
"Listing statement 'new roof' and 'updated wiring and plumbing' are accurate and reflect recent professional work.",
"Heating/cooling exists and is operable (floor vent suggests forced air), but outdoor condensing unit and water heater are present and functional though not shown.",
"Bedroom windows provide adequate egress based on visible window sizes (cannot fully confirm from photos).",
"GFCI protection may be present at breaker level even if not visible at kitchen outlets; if not present it will need installation.",
"No hidden active leaks, severe mold, or major foundation movement beyond what is visible in photos (photos show no obvious signs)."
],
"overall_score": 75.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "625 5th Way, Birmingham, AL, 35214",
"aggregate": {
"summary": "Property appears largely turnkey for a Housing Choice Voucher inspection. Interior renovations (flooring, cabinets, countertops), present kitchen appliances, new roof and reported updated wiring/plumbing strongly reduce inspection risk. Minor issues observed: cracked/uneven exterior walkways (trip hazards), unclear presence/placement of GFCI outlets and CO detectors, and lack of visible electrical panel/water-heater images. With quick verification/fixes (confirm/replace GFCI, confirm smoke/CO placement, address trip hazards), this home is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 81.7,
"rationale": "Interior photos show recent cosmetic renovation: new-looking laminate flooring, painted walls, updated kitchen cabinets and countertops, working range and refrigerator present. Exterior shows a newly replaced roof (listing) and intact chain-link fence; yard has worn concrete pads and minor surface cracking but no severe deterioration. Missing minor items (concrete trip spots, patched walkways, paint touch-ups) are cosmetic or small capital repairs and should be easy to fix."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.7,
"rationale": "Exterior siding and roof appear in good condition; chain-link fence around front/back yards is intact. Yard is enclosed and usable, but several concrete pads, walkways and driveway areas are cracked or uneven and present minor trip hazards. Some vegetation along property edges is overgrown. Raised foundation and exterior basement/crawl access appear intact with painted masonry; no obvious large foundation cracks or sagging visible in photos. Overall site needs minor cleanup and walkway repairs."
},
{
"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."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 71.7,
"rationale": "No obvious life-threatening hazards visible. Interior shows at least one ceiling alarm/device and floor vents (indicating a central system). Entry doors appear secure with a metal security door at rear; front door deadbolt not confirmed. No exposed wiring visible in photos. Potential issues: GFCI outlets at kitchen counters are not clearly visible and should be confirmed; bedroom windows and egress from bedrooms are not shown but living areas have multiple windows. Front walkway and some concrete slabs show cracking/uneven surfaces (trip hazard). No visible mold, active water intrusion, collapsed ceilings, or foundation failure. Overall moderate NSPIRE risk pending verification of GFCI, smoke/CO placement, and door locks."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 76.7,
"rationale": "Listing states updated wiring and plumbing and photos show a new roof and floor vents (suggesting functioning HVAC). Kitchen plumbing and sink fixtures appear new. Washer/dryer hookups visible. Electrical panel and water heater not shown; no obvious knob-and-tube or hazardous wiring visible. Based on the seller's claims and visible finishes, mechanical systems are likely functional but some items (water heater location, HVAC operation, electrical panel labeling, GFCI functionality) require in-person verification."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Listing statement 'new roof' and 'updated wiring and plumbing' are accurate and represent recent work in good condition.",
"Central HVAC is present and operational (floor vents visible) though equipment is not shown.",
"At least one smoke alarm is installed (device visible in photos); additional alarms and CO detectors may be needed but not pictured.",
"Electrical panel and water heater exist and are functional though not pictured.",
"Bedrooms have code-compliant egress windows (not shown in photos) given the overall renovated condition.",
"No active pest infestation or hidden mold beyond what is visible in the photos."
],
"score_method": "mean_of_criteria",
"overall_score": 76.1,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7049818029"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.