Property ID: 7057415206
3520 Jefferson Ave SW, Birmingham, AL, 35221
Birmingham, AL
Money Down: $30,000
CoC Return: -1.63%
Monthly Cash Flow: $-41
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
-1.63%
Rent
$769
Monthly Cash Flow
$-41
Annual Cash Flow
$-488
Debt Service / Mo
$665
Property Tax / Mo
$34
Insurance / Mo
$33
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$769
Payment Standard
$1,210
Rent
$769
Insurance
$33
Property Tax
$34
Management
$77
Utilities Allowance
$441
NOI (Monthly)
$625
Debt Service
$665
Cash Flow After Debt
$-41
Quality Score: 73.20%
Confidence: 89.00%
Overall this 2BR/1BA bungalow appears largely turnkey after a visible full renovation: new exterior siding, roof, decks, interior finishes and bathroom. It is likely to pass many visual inspection checkpoints but there are several unseen but critical items (smoke/CO alarms, HVAC operation, water heater, electrical panel, GFCI protection, bedroom egress sizing) that must be verified before an NSPIRE pass is certain. Expect minor punch-list items and possible installation of detectors or GFCI outlets; allow up to 30 days to address these items if not present.
Section 8 Payment Standard
$1,210
Utility Allowance Total
$441
Guaranteed Section 8 Rent (PS - Utilities)
$769
Property Management
$77
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$125,000
Beds
2
Baths
1
Living Area
926 sqft
Lot Size
6,970 sqft
Year Built
1950
Days on Market
311
Capital Outlay
$30,000
Debt Service
$665
Property Tax / Mo
$34
Insurance / Mo
$33
Property Description
Opportunities like this don't last long-especially in emerging neighborhoods where demand is rising. Whether you're looking for a stylish, affordable home or a strong addition to your investment portfolio, this home delivers. Fully renovated from top to bottom this home meets all your needs.
Utility Allowances
Heating
$76
Property has central heating. Assumed to be electric ('Elec Heat: Ala Power') as the water heater is electric and no gas service is indicated.
Cooling
$18
Property has central air conditioning ('A/C: Alabama Power').
Water Heating
$46
Property has an electric water heater ('Elec: Ala Power').
Cooking
$17
No cooking appliance is listed as provided. Assumed tenant will use an electric range ('Elec: Ala Power'), consistent with other home systems.
Other Electric
$56
Baseline allowance for lights and general electric use ('Lights, Ref, Etc.: Ala Power').
Refrigerator
$8
Allowance for a tenant-owned refrigerator as one is not listed as provided.
Range/Microwave
$6
Allowance for a tenant-owned microwave as one is not listed as provided.
Water
$69
Property is on public water in Birmingham ('Water: Birmingham').
Sewer
$125
Property is connected to the public sewer system.
Trash Collection
$20
Based on the 'Jefferson City' provider, as it is the most applicable general option for Birmingham in Jefferson County.
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$287
DP3 Annual Estimate$509
DP1 Monthly Equivalent$24
DP3 Monthly Equivalent$42
Replacement Value$17,900
Basis926 sqft / 1950
Nearby Houses
Photo unavailable
3533 Jefferson Ave SW
sold · 0.05 mi
Price: $63,000
4 bd / 3 ba · 1,911 sqft
Latest sale: $63,000 on Jul 25, 2025
Latest rent: $1,550 on Nov 09, 2025
Photo unavailable
3716 Fir Ave SW
for_sale · 0.07 mi
Price: $99,000
3 bd / 1 ba · 1,066 sqft
Latest sale: $15,000 on Jan 31, 2017
Latest rent: $980 on May 23, 2024
Photo unavailable
3625 Jefferson Ave SW
sold · 0.15 mi
Price: $185,000
4 bd / 3 ba · 2,953 sqft
Latest sale: $185,000 on Jul 11, 2022
Latest rent: —
Photo unavailable
3616 Ellis Ave SW
sold · 0.15 mi
Price: $40,000
3 bd / 2 ba · 1,509 sqft
Latest sale: $40,000 on Jul 23, 2021
Latest rent: —
Photo unavailable
3529 Park Ave SW
sold · 0.17 mi
Price: $5,000
2 bd / 1 ba · 784 sqft
Latest sale: $5,000 on Sep 23, 2025
Latest rent: $500 on Sep 09, 2018
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement 'fully renovated' is accurate for visible areas (bath, finishes, siding, roof and decking).
- No HVAC equipment or water heater was photographed; assume systems exist but require verification/operation test.
- Smoke and CO detectors are not clearly visible in photos; assume they may be missing or not shown and will need to be confirmed/installed.
- Electrical panel and GFCI protection were not photographed and are treated as unknown — may require upgrade/installation.
- Bedroom egress windows appear present but exact size compliance cannot be confirmed from photos; assume they are likely acceptable but require measurement.
- Deck and porch have railings but exact spacing and guard height cannot be confirmed; assume they meet local code or will need minor adjustment.
- Cinder blocks under deck are temporary supports from renovation and should be replaced/secured to permanent footings.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $400 | $27,600 | $5,520 |
| 2023 | $400 | $27,600 | $5,520 |
| 2022 | $282 | $19,500 | $3,900 |
| 2021 | $282 | $19,500 | $3,900 |
| 2020 | $349 | $24,100 | $4,820 |
| 2019 | $349 | $24,100 | $4,820 |
| 2018 | $316 | $21,800 | $4,360 |
| 2017 | $246 | $17,000 | $3,400 |
| 2016 | $316 | $21,800 | $4,360 |
| 2015 | $345 | $23,800 | $4,760 |
| 2013 | $274 | $20,200 | $4,040 |
| 2012 | $274 | $18,650 | $3,730 |
| 2011 | $375 | $25,900 | $5,180 |
| 2010 | $148 | $30,000 | $3,000 |
| 2009 | $148 | $30,000 | $3,000 |
| 2008 | $151 | $30,500 | $3,050 |
| 2007 | $148 | $30,100 | $3,010 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-10-15 | Sold | $10,500 |
| 2024-05-21 | Sold | $10,500 |
Photo Gallery
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"list_price": 125000,
"listing_id": "2980464423",
"last_update_date": "2026-02-16T01:56:08Z",
"last_status_change_date": "2026-01-02T16:38:42Z"
},
"event_name": "Relisted",
"price_sqft": 134.98920086393088,
"source_name": "GreaterAlabamaMLS",
"price_change": 125000,
"days_after_listed": null,
"source_listing_id": "21415551",
"price_change_percentage": null
},
{
"date": "2025-05-31",
"price": 0,
"listing": {
"status": "for_sale",
"list_date": "2025-04-11T14:02:08Z",
"list_price": 125000,
"listing_id": "2980464423",
"last_update_date": "2026-02-16T01:56:08Z",
"last_status_change_date": "2026-01-02T16:38:42Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "50 days",
"source_listing_id": "21415551",
"price_change_percentage": null
},
{
"date": "2025-04-12",
"price": 135000,
"listing": {
"status": "for_sale",
"list_date": "2025-04-11T14:02:08Z",
"list_price": 125000,
"listing_id": "2980464423",
"last_update_date": "2026-02-16T01:56:08Z",
"last_status_change_date": "2026-01-02T16:38:42Z"
},
"event_name": "Price Changed",
"price_sqft": 145.78833693304534,
"source_name": "GreaterAlabamaMLS",
"price_change": 10000,
"days_after_listed": null,
"source_listing_id": "21415551",
"price_change_percentage": null
},
{
"date": "2025-04-11",
"price": 125000,
"listing": {
"status": "for_sale",
"list_date": "2025-04-11T14:02:08Z",
"list_price": 125000,
"listing_id": "2980464423",
"last_update_date": "2026-02-16T01:56:08Z",
"last_status_change_date": "2026-01-02T16:38:42Z"
},
"event_name": "Listed",
"price_sqft": 134.98920086393088,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21415551",
"price_change_percentage": "+1090.48%"
},
{
"date": "2024-05-21",
"price": 10500,
"listing": {
"status": "sold",
"list_date": "2024-03-22T18:52:05Z",
"list_price": 20000,
"listing_id": "2965410404",
"last_update_date": "2024-06-04T15:34:56Z",
"last_status_change_date": "2024-06-04T16:20:29Z"
},
"event_name": "Sold",
"price_sqft": 11.339092872570195,
"source_name": "GreaterAlabamaMLS",
"price_change": -9500,
"days_after_listed": "60 days",
"source_listing_id": "21380469",
"price_change_percentage": "-47.50%"
},
{
"date": "2024-03-22",
"price": 20000,
"listing": {
"status": "sold",
"list_date": "2024-03-22T18:52:05Z",
"list_price": 20000,
"listing_id": "2965410404",
"last_update_date": "2024-06-04T15:34:56Z",
"last_status_change_date": "2024-06-04T16:20:29Z"
},
"event_name": "Listed",
"price_sqft": 21.598272138228943,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21380469",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": "OWNER'S Affidavit- CORRY'S",
"permit_status": "Plancheck",
"permit_type_of_work": "Building permit",
"permit_effective_date": "Jun 14, 2024",
"permit_project_type_1": "Siding",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "7057415206",
"generated_at": "2026-02-16T03:22:04.817045Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 73.2
},
"utility_allowance": {
"zip_code": "35221",
"home_photo": "https://ap.rdcpix.com/ef0b935d6135db4ae70bc57804826779l-m1569360377s-w1280.jpg",
"rent_price": 769.0,
"loan_amount": 100000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3520-Jefferson-Ave-SW_Birmingham_AL_35221_M70574-15206",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 125000.0,
"loan_term_years": 30,
"annual_cash_flow": 7495.2,
"mortgage_monthly": 665.3,
"payment_standard": 1210.0,
"total_amount_out": 25000.0,
"additional_photos": [
"https://ap.rdcpix.com/ef0b935d6135db4ae70bc57804826779l-m1659703438s-w1280.jpg",
"https://ap.rdcpix.com/ef0b935d6135db4ae70bc57804826779l-m2933812472s-w1280.jpg",
"https://ap.rdcpix.com/ef0b935d6135db4ae70bc57804826779l-m689693132s-w1280.jpg",
"https://ap.rdcpix.com/ef0b935d6135db4ae70bc57804826779l-m410819720s-w1280.jpg",
"https://ap.rdcpix.com/ef0b935d6135db4ae70bc57804826779l-m829180899s-w1280.jpg",
"https://ap.rdcpix.com/ef0b935d6135db4ae70bc57804826779l-m3152684670s-w1280.jpg",
"https://ap.rdcpix.com/ef0b935d6135db4ae70bc57804826779l-m2523031777s-w1280.jpg",
"https://ap.rdcpix.com/ef0b935d6135db4ae70bc57804826779l-m1386604519s-w1280.jpg",
"https://ap.rdcpix.com/ef0b935d6135db4ae70bc57804826779l-m1101746834s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 33.17,
"monthly_cash_flow": 624.6,
"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. Assumed to be electric ('Elec Heat: Ala Power') as the water heater is electric and no gas service is indicated.",
"utility": "Heating",
"allowance": 76
},
{
"note": "Property has central air conditioning ('A/C: Alabama Power').",
"utility": "Cooling",
"allowance": 18
},
{
"note": "Property has an electric water heater ('Elec: Ala Power').",
"utility": "Water Heating",
"allowance": 46
},
{
"note": "No cooking appliance is listed as provided. Assumed tenant will use an electric range ('Elec: Ala Power'), consistent with other home systems.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "Baseline allowance for lights and general electric use ('Lights, Ref, Etc.: Ala Power').",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Allowance for a tenant-owned refrigerator as one is not listed as provided.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Allowance for a tenant-owned microwave as one is not listed as provided.",
"utility": "Range/Microwave",
"allowance": 6
},
{
"note": "Property is on public water in Birmingham ('Water: Birmingham').",
"utility": "Water",
"allowance": 69
},
{
"note": "Property is connected to the public sewer system.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "Based on the 'Jefferson City' provider, as it is the most applicable general option for Birmingham in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 25000.0,
"property_tax_annual": 412.0,
"property_tax_monthly": 34.33,
"property_tax_increase": 0.03,
"utility_allowance_total": 441.0,
"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": -488.43,
"property_management_monthly": 76.9,
"monthly_cash_flow_after_debt": -40.7,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 2BR/1BA bungalow appears largely turnkey after a visible full renovation: new exterior siding, roof, decks, interior finishes and bathroom. It is likely to pass many visual inspection checkpoints but there are several unseen but critical items (smoke/CO alarms, HVAC operation, water heater, electrical panel, GFCI protection, bedroom egress sizing) that must be verified before an NSPIRE pass is certain. Expect minor punch-list items and possible installation of detectors or GFCI outlets; allow up to 30 days to address these items if not present.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos show recent full interior and exterior renovation: new-looking flooring, fresh paint, new bathroom tile and fixtures, new siding and shingles, new deck and concrete pad. Cosmetic scuffs on porch floor and minor site cleanup needed. No visible interior water stains, peeling paint, or flooring failures. No kitchen photos or appliances shown; missing appliances assumed but treated as moderate (reduces score slightly)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards in photos: no visible exposed wiring, no collapsed ceilings, no active leaks or major mold. Bedroom windows visible but exact egress size cannot be confirmed from photos. Smoke/CO detectors are not clearly visible in photos (small rectangular device near ceiling could be non-safety hardware) — absence would fail an NSPIRE inspection. Guard/handrail presence is generally good, but front porch horizontal rails may be climbable and spacing cannot be verified to meet 4\" max. GFCI presence not visible in bath/kitchen areas. Overall moderate risk due to several required items not shown."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Roof shingles and exterior vents appear new; plumbing fixtures and bathroom look newly installed. However major systems (HVAC equipment, water heater, electrical service/panel) are not shown. Because these are critical to passing an initial inspection and are unverified, score is reduced to reflect uncertainty despite visible cosmetic/system finishes."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior envelope appears solid: new siding, fresh paint, new porches/decks, and a new concrete driveway/pad. Yard is slightly overgrown and needs basic cleanup. Some temporary cinder-block supports visible beneath deck/porch — likely for construction staging but should be replaced with permanent supports or skirt to meet code/appearance standards."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement 'fully renovated' is accurate for visible areas (bath, finishes, siding, roof and decking).",
"No HVAC equipment or water heater was photographed; assume systems exist but require verification/operation test.",
"Smoke and CO detectors are not clearly visible in photos; assume they may be missing or not shown and will need to be confirmed/installed.",
"Electrical panel and GFCI protection were not photographed and are treated as unknown — may require upgrade/installation.",
"Bedroom egress windows appear present but exact size compliance cannot be confirmed from photos; assume they are likely acceptable but require measurement.",
"Deck and porch have railings but exact spacing and guard height cannot be confirmed; assume they meet local code or will need minor adjustment.",
"Cinder blocks under deck are temporary supports from renovation and should be replaced/secured to permanent footings."
],
"overall_score": 75.0,
"rubric_version": "2026-01-hud-nspire-v1"
},
{
"summary": "Property appears recently renovated and cosmetically turnkey with new siding, roofing, decking, interior finishes and a finished bathroom. Major visible safety/structural hazards are not apparent. Key NSPIRE items are not verifiable from photos — specifically presence and operation of smoke/CO alarms, HVAC and hot water systems, GFCI protection, and bedroom egress compliance. With quick verification/installation of alarms, confirmation of heating/hot water operation, and addressing minor exterior support/landscaping items, this property is likely to pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Photos show a largely finished interior and exterior with new-looking siding, paint, flooring, fixtures and finished bathroom. Porches, decking and concrete appear recently installed. Visible issues are cosmetic only (minor scuffs on porch floor, some construction debris) and no collapsed or severely damaged finishes are apparent. Listing states 'fully renovated' which matches visual condition. Missing kitchen appliances are not shown; lack of visible stove/fridge reduces score moderately but is not a structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No immediate life-threatening hazards observed (no collapsed ceilings, visible water intrusion, exposed high-voltage wiring, or major structural sag). Exterior and interior handrails/guardrails are present. However several NSPIRE checkpoints cannot be confirmed from photos: smoke detectors are not visible, CO alarm not visible (relevance depends on fuel appliances), GFCI protection in wet areas (kitchen/bath) not confirmed, and bedroom egress window dimensions cannot be verified. Exterior receptacles have covers. Because smoke/CO detectors and egress windows are critical for inspection pass, uncertainty reduces the safety score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof / HVAC / Plumbing / Electrical)",
"score": 60.0,
"rationale": "Roof and exterior cladding appear in good condition with no visible roof leaks or sagging. Interior plumbing fixtures (toilet, tub/shower, vanity) look newly installed. Electrical fixtures and outlets are present and intact in photos. However no exterior HVAC condenser, furnace, or water heater is visible in the photos and the electrical panel was not shown — these systems are essential for a HCV inspection. Because system presence and operation (heating and hot water) are unverified, score is moderate pending verification of operational HVAC, water heater and electrical panel condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Yard, new concrete driveway, siding, steps and decks appear newly constructed and in good condition. Guardrails and handrails are present on porches and steps. Some vegetation/overgrowth exists at the rear lot line and there are cinderblocks visible supporting the deck area under one corner which may indicate temporary or incomplete support details. No standing water, severe drainage issues, or visible foundation cracking are shown."
}
],
"red_flags": [
"No visible smoke detectors in photos — required for NSPIRE/pass and must be verified/installed.",
"No visible heating/HVAC equipment or water heater in provided photos — heating and hot water must be present and operational for inspection pass.",
"Bedroom egress windows not verifiable from photos — must be measured/confirmed to meet egress requirements.",
"Temporary/block supports visible under deck — verify permanent, code-compliant footings and guardrail/spacing compliance."
],
"confidence": 0.65,
"assumptions": [
"Listing 'fully renovated' is accurate and interior mechanical rough-ins are complete; however HVAC condenser, water heater and electrical panel were not shown so their presence and operational status are assumed but unverified.",
"Kitchen area and major appliances (stove, refrigerator) are not shown; assume they may be missing or not included — appliance absence reduces tenant readiness but not an automatic inspection fail.",
"Window sizes and clear opening egress in bedrooms are assumed typical for a small renovated house but were not measured; egress compliance is therefore uncertain.",
"Deck support with visible cinderblocks may be temporary or incomplete; assume deck is functionally stable but recommend verifying permanent footings.",
"No evidence of pest infestation, major mold, lead-based paint peeling, or active leaks was visible in photos; assume none present unless an in-person inspection finds otherwise."
],
"overall_score": 70.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "Property appears largely turnkey for Section 8 tenancy after a visible full renovation. Exterior, decks and interior finishes look new and in good condition. Main inspection risks are documentation and verification items that are not visible in listing photos: operational heating/cooling, water heater, electrical panel condition, presence and placement of working smoke/CO alarms and GFCI protection, and kitchen appliances. If those systems are confirmed operational and alarms/GFCIs installed, the unit is likely to pass an initial HCV/NSPIRE inspection with only minor corrections possible.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Photos show a recent, full cosmetic renovation: new-looking flooring, fresh paint, new interior fixtures, new bathroom tile and fixtures, new exterior siding and freshly stained decks. Minor visible issues: scuff marks on porch floor, unfinished/stacked cinderblocks under the deck, and no kitchen photos or appliances shown (listing states 'fully renovated' but appliances are not visible). These are mostly easy/cosmetic fixes; missing appliances reduce the score moderately."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No obvious life-safety hazards in the photos: porch and deck have guardrails and handrails, floors and ceilings appear intact, no visible mold or active water intrusion, and exterior receptacle has a cover. Uncertainties that reduce score: no clear photo of working smoke detectors or CO alarm(s), GFCI protection at bathroom/kitchen outlets is not visible, deadbolt presence not confirmed, and electrical panel/exposed wiring not shown. Bedroom windows appear to provide egress. Overall moderate risk pending verification of alarms, GFCI, and locks."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Roof, siding and exterior envelope appear new or in good condition. Interior finishes are new. However, no photos show HVAC equipment, water heater, or electrical service panel; their presence and operational status are therefore unknown. Given the full-renovation claim it's likely systems were replaced/serviced, but absence of visible HVAC condenser, heating source or water heater in photos requires conservative scoring because functional heating/hot water and proper electrical distribution are NSPIRE requirements."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior looks well renovated: new siding, fresh paint, new or re-stained front and rear decks with railings, and a new concrete driveway. Yard is generally level and free of obvious trip hazards. Minor negatives: some vegetation/backlot overgrowth visible at rear and cinderblocks under the deck reduce turnkey impression but do not present immediate safety failures."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Listing statement 'fully renovated' is accurate and interior finishes shown are recent.",
"Kitchen exists and will include required hookups; appliances (stove/refrigerator) are not pictured and therefore assumed missing or to be provided prior to lease.",
"Major mechanicals (HVAC, water heater, electrical service/panel) were likely replaced or serviced during renovation but are not visible in photos; their presence and operation are not confirmed.",
"Smoke detectors and CO alarms are not clearly visible in photos; assume they may not yet be installed or need verification.",
"GFCI protection at bathroom and kitchen outlets is not visible and should be verified.",
"Foundation is a crawlspace on piers (visible clearance and cinderblocks) and appears stable with no visible major settlement.",
"No evidence of active roof leaks, structural sagging, collapsed ceilings, severe mold, or major water intrusion in photos."
],
"overall_score": 74.0,
"rubric_version": "2026-02-16_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3520 Jefferson Ave SW, Birmingham, AL, 35221",
"aggregate": {
"summary": "Overall this 2BR/1BA bungalow appears largely turnkey after a visible full renovation: new exterior siding, roof, decks, interior finishes and bathroom. It is likely to pass many visual inspection checkpoints but there are several unseen but critical items (smoke/CO alarms, HVAC operation, water heater, electrical panel, GFCI protection, bedroom egress sizing) that must be verified before an NSPIRE pass is certain. Expect minor punch-list items and possible installation of detectors or GFCI outlets; allow up to 30 days to address these items if not present.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 79.3,
"rationale": "Photos show recent full interior and exterior renovation: new-looking flooring, fresh paint, new bathroom tile and fixtures, new siding and shingles, new deck and concrete pad. Cosmetic scuffs on porch floor and minor site cleanup needed. No visible interior water stains, peeling paint, or flooring failures. No kitchen photos or appliances shown; missing appliances assumed but treated as moderate (reduces score slightly)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 83.3,
"rationale": "Exterior envelope appears solid: new siding, fresh paint, new porches/decks, and a new concrete driveway/pad. Yard is slightly overgrown and needs basic cleanup. Some temporary cinder-block supports visible beneath deck/porch — likely for construction staging but should be replaced with permanent supports or skirt to meet code/appearance standards."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 68.3,
"rationale": "No obvious life-threatening hazards in photos: no visible exposed wiring, no collapsed ceilings, no active leaks or major mold. Bedroom windows visible but exact egress size cannot be confirmed from photos. Smoke/CO detectors are not clearly visible in photos (small rectangular device near ceiling could be non-safety hardware) — absence would fail an NSPIRE inspection. Guard/handrail presence is generally good, but front porch horizontal rails may be climbable and spacing cannot be verified to meet 4\" max. GFCI presence not visible in bath/kitchen areas. Overall moderate risk due to several required items not shown."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 63.3,
"rationale": "Roof shingles and exterior vents appear new; plumbing fixtures and bathroom look newly installed. However major systems (HVAC equipment, water heater, electrical service/panel) are not shown. Because these are critical to passing an initial inspection and are unverified, score is reduced to reflect uncertainty despite visible cosmetic/system finishes."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Listing statement 'fully renovated' is accurate for visible areas (bath, finishes, siding, roof and decking).",
"No HVAC equipment or water heater was photographed; assume systems exist but require verification/operation test.",
"Smoke and CO detectors are not clearly visible in photos; assume they may be missing or not shown and will need to be confirmed/installed.",
"Electrical panel and GFCI protection were not photographed and are treated as unknown — may require upgrade/installation.",
"Bedroom egress windows appear present but exact size compliance cannot be confirmed from photos; assume they are likely acceptable but require measurement.",
"Deck and porch have railings but exact spacing and guard height cannot be confirmed; assume they meet local code or will need minor adjustment.",
"Cinder blocks under deck are temporary supports from renovation and should be replaced/secured to permanent footings."
],
"score_method": "mean_of_criteria",
"overall_score": 73.2,
"rubric_version": "2026-01-hud-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7057415206"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.