215 2nd Ave, Midfield, AL, 35228
Midfield, AL
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 65.00%
Confidence: 93.00%
Overall this 3BR/1BA dwelling appears to be a moderately well‑maintained, tenant‑occupied house with a functioning HVAC system installed in 2017 and intact major systems visible from exterior photos. Observable issues are mostly moderate: worn interior finishes and carpeting, aging bathroom vanity, weathered siding and paint, driveway deterioration, debris in roof valleys and staining at the foundation/garage indicating drainage/moisture concerns. No immediate life‑threatening hazards (collapsed ceilings, exposed live wiring, standing water) are visible, so the property is likely to become Section 8 / HCV inspection‑ready after targeted repairs and verification — expect about 2–6 weeks of work (cleaning gutters, correcting grading/drainage, cosmetic repairs, door/hardware checks, install/verify smoke & CO detectors and GFCI protection, and confirm kitchen appliances/water heater function).
Property Fundamentals
Property Description
Now priced at just $95,000, this home is truly priced to sell! Situated on a 2 parcels, this 3 bed / 1 bath single-story home offers so much potential. Great investment opportunity-fix it up to rent or renovate for resale. A new heat/air system has already been installed in 2017, and the property also features a partial basement for added storage or utility space. Tons of parking with multiple driveways and garage. Conveniently located near shopping, schools, and churches, it's an ideal spot for both investors and future homeowners. With plenty of upside, affordability, and built-in equity, this one is a don't-miss opportunity. Currently tenant occupied with strong payment record and month to month lease with tenant paying $950 per month. Please do not disturb the tenant.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
- Evidence of moisture/staining at foundation and garage door — potential past or ongoing water intrusion
- Leaves/debris accumulating in roof valleys and gutters (risk of roof drainage issues/blocked runoff)
- Driveway severely cracked and patched (trip hazard; may need repair for safe tenant access)
- Basement/grade openings with makeshift coverings and visible staining — potential entry points for water/pests
- No visible GFCI outlets or CO detector in provided interior photos (required items may be missing)
- Interior carpeting and finishes heavily worn and cluttered — increases risk of hidden issues not visible in photos
Assumptions
- HVAC system installed in 2017 is operational as stated in listing; no breakdown observed in photos.
- No kitchen photos provided — assume appliances may be present but condition unknown; missing appliances would be replaced prior to move‑in.
- Water heater condition and location not shown; assume functional unless discovered otherwise during inspection.
- Smoke detector visible in one interior photo represents at least one installed device; additional detectors and CO alarms may be required by local code/HUD and are not visible.
- Basement/garage staining indicates previous moisture contact; assume some level of dampness risk though no active standing water is visible.
- Electrical panel and service appear intact from exterior photo; full interior panel condition and GFCI presence are unverified.
- Bedroom windows provide egress typical for a 1940 home; exact sizes not measured and should be verified for NSPIRE egress compliance.
- Tenant-occupied condition limits interior visibility—assessment based on provided photos and listing statements.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,300 | $97,000 | $16,860 |
| 2023 | $1,300 | $86,700 | $15,760 |
| 2022 | $1,044 | $69,700 | $12,660 |
| 2021 | $522 | $69,700 | $6,980 |
| 2020 | $380 | $52,600 | $5,260 |
| 2019 | $575 | $69,700 | $6,980 |
| 2018 | $928 | $62,000 | $6,200 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-01-20 | Sold | $130,000 |
| 2017-05-19 | Sold | $20,000 |
Photo Gallery
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"last_status_change_date": "2025-08-30T18:51:48Z"
},
"event_name": "Listed",
"price_sqft": 99.71509971509971,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21429777",
"price_change_percentage": "+154.55%"
},
{
"date": "2021-10-04",
"price": 55000,
"listing": null,
"event_name": "Sold",
"price_sqft": 26.96078431372549,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2017-05-19",
"price": 20000,
"listing": {
"status": "off_market",
"list_date": "2017-03-10T07:00:00Z",
"list_price": 24900,
"listing_id": "618811539",
"last_update_date": "2017-05-23T00:31:00Z",
"last_status_change_date": "2017-05-19T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": 14.245014245014245,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "70 days",
"source_listing_id": "776890",
"price_change_percentage": "-19.68%"
},
{
"date": "2017-03-10",
"price": 24900,
"listing": {
"status": "off_market",
"list_date": "2017-03-10T07:00:00Z",
"list_price": 24900,
"listing_id": "618811539",
"last_update_date": "2017-05-23T00:31:00Z",
"last_status_change_date": "2017-05-19T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 17.735042735042736,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "776890",
"price_change_percentage": null
},
{
"date": "2010-06-21",
"price": 49500,
"listing": {
"status": "off_market",
"list_date": "2010-02-15T07:00:00Z",
"list_price": 49500,
"listing_id": "515458983",
"last_update_date": "2010-06-21T20:35:23Z",
"last_status_change_date": "2010-06-21T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "126 days",
"source_listing_id": "454800",
"price_change_percentage": null
},
{
"date": "2010-02-15",
"price": 49500,
"listing": {
"status": "off_market",
"list_date": "2010-02-15T07:00:00Z",
"list_price": 49500,
"listing_id": "515458983",
"last_update_date": "2010-06-21T20:35:23Z",
"last_status_change_date": "2010-06-21T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "454800",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7071513105",
"generated_at": "2026-02-16T03:34:14.619190Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.0
},
"utility_allowance": {
"zip_code": "35228",
"home_photo": "https://ap.rdcpix.com/740a53d5c65b72bb4761a4e82422ff6el-m2316116277s-w1280.jpg",
"rent_price": 1296.0,
"loan_amount": 68000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/215-2nd-Ave_Midfield_AL_35228_M70715-13105",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 85000.0,
"loan_term_years": 30,
"annual_cash_flow": 11927.3,
"mortgage_monthly": 452.41,
"payment_standard": 1584.0,
"total_amount_out": 17000.0,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 60.88,
"monthly_cash_flow": 993.94,
"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 a gas water heater, so natural gas heating is assumed. Spire is a major local provider. Selected 'N'Gas: Spire' for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property has Central Air Conditioning. Alabama Power is the primary electric provider in the area. Selected 'A/C: Alabama Power' for a 3-bedroom unit.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property listing specifies an electric stove. Alabama Power is the primary electric provider. Selected 'Elec: Ala Power' for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property listing specifies a gas water heater. Spire is a major local provider. Selected 'N'Gas: Spire' for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "Property has public water. Midfield is in Jefferson County, and Birmingham is a major proximate water utility. Selected 'Water: Birmingham' as the most representative and highest-cost option for a 3-bedroom unit.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property listing specifies a septic tank, so public sewer is not used. Allowance is $0.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "The property is a single-family home requiring trash service. Midfield is not listed, so the generic 'Jefferson City (Once per week)' option was selected for a 3-bedroom unit.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "Covers general electric use for lights and other non-itemized appliances. Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "The property listing states a refrigerator is provided by the landlord, so the tenant does not require an allowance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Tenant-provided appliance allowance. The property includes a range/stove, but not a microwave. This allowance is for a tenant-owned microwave.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.7,
"down_payment_amount": 17000.0,
"property_tax_annual": 1339.0,
"property_tax_monthly": 111.58,
"property_tax_increase": 0.03,
"utility_allowance_total": 288.0,
"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": 6498.43,
"property_management_monthly": 129.6,
"monthly_cash_flow_after_debt": 541.54,
"cash_on_cash_return_after_debt": 0.38
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3BR/1BA dwelling appears to be a moderately well‑maintained, tenant‑occupied house with a functioning HVAC system installed in 2017 and intact major systems visible from exterior photos. Observable issues are mostly moderate: worn interior finishes and carpeting, aging bathroom vanity, weathered siding and paint, driveway deterioration, debris in roof valleys and staining at the foundation/garage indicating drainage/moisture concerns. No immediate life‑threatening hazards (collapsed ceilings, exposed live wiring, standing water) are visible, so the property is likely to become Section 8 / HCV inspection‑ready after targeted repairs and verification — expect about 2–6 weeks of work (cleaning gutters, correcting grading/drainage, cosmetic repairs, door/hardware checks, install/verify smoke & CO detectors and GFCI protection, and confirm kitchen appliances/water heater function).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior photos show lived-in, cluttered bedrooms, stained/worn carpeting, popcorn ceilings, and an aging bathroom vanity and fixtures — cosmetic and medium-minor repairs needed. Exterior shows weathered siding, peeling paint on steps, and a dirty/possibly rusted garage door. Listing notes HVAC replaced in 2017 which reduces capital burden. Missing kitchen photos: appliance condition unknown (missing appliances would be moderate deduction). Overall looks repairable within a typical rehab scope (paint, flooring, bathroom refresh, minor carpentry)."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No immediate life‑threatening hazards visible (no collapsed ceilings, no exposed live wiring, no standing water). One ceiling-mounted alarm device is visible in photos (suggests at least one smoke detector). Bedrooms have windows (egress likely but not measured). Exterior electrical meter and conduit appear intact. Concerns: evidence of moisture/staining at foundation and garage which can correlate with mold/rot; gutters/roof valleys contain debris; GFCI and CO detector presence not verified. Handrail present on front steps but paint/condition is poor. These concerns create inspection risk but not an immediate fail on visible evidence."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Listing states a new heat/air system installed in 2017 (reduces HVAC failure risk). Exterior shows a metal roof in generally intact condition in photos but with leaf/debris accumulation in valleys — requires cleaning. Electrical service and panel are visible on the basement wall and appear intact (no exposed conductors shown). Bathroom fixtures appear present and functioning (toilet, tub, sink). Basement/garage show staining and possible past water intrusion which may indicate drainage or water‑heater/plumbing issues below grade — not confirmed from photos. No visible evidence of roof sagging or structural failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Yard is mowed and usable. Driveway asphalt is heavily cracked and patched (trip hazard, curb appeal issue). Foundation block shows staining and mildew at grade and at garage door — indicates poor drainage or past flooding risk. Trees are close/overhanging the roof (increases debris, gutter/roof maintenance needs). Downspouts are present but grading near foundation appears to allow water to contact the block in places. Chain link fenced area and multiple driveways/garage are positives for tenant use."
}
],
"red_flags": [
"Evidence of moisture/staining at foundation and garage door — potential past or ongoing water intrusion",
"Leaves/debris accumulating in roof valleys and gutters (risk of roof drainage issues/blocked runoff)",
"Driveway severely cracked and patched (trip hazard; may need repair for safe tenant access)",
"Basement/grade openings with makeshift coverings and visible staining — potential entry points for water/pests",
"No visible GFCI outlets or CO detector in provided interior photos (required items may be missing)",
"Interior carpeting and finishes heavily worn and cluttered — increases risk of hidden issues not visible in photos"
],
"confidence": 0.65,
"assumptions": [
"HVAC system installed in 2017 is operational as stated in listing; no breakdown observed in photos.",
"No kitchen photos provided — assume appliances may be present but condition unknown; missing appliances would be replaced prior to move‑in.",
"Water heater condition and location not shown; assume functional unless discovered otherwise during inspection.",
"Smoke detector visible in one interior photo represents at least one installed device; additional detectors and CO alarms may be required by local code/HUD and are not visible.",
"Basement/garage staining indicates previous moisture contact; assume some level of dampness risk though no active standing water is visible.",
"Electrical panel and service appear intact from exterior photo; full interior panel condition and GFCI presence are unverified.",
"Bedroom windows provide egress typical for a 1940 home; exact sizes not measured and should be verified for NSPIRE egress compliance.",
"Tenant-occupied condition limits interior visibility—assessment based on provided photos and listing statements."
],
"overall_score": 64.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed/1-bath 1940-era home appears to be a candidate for Section 8 tenancy with moderate work. Major systems appear present (listing reports HVAC 2017) and there are no photos showing collapsed ceilings, exposed electrical hazards, or major structural sagging. Primary concerns are moisture staining at the foundation and a ceiling crack (possible prior/active water intrusion), missing/unknown GFCI and CO detector coverage, driveway and drainage issues, and interior cosmetic and cleaning needs. If utilities, detectors, HVAC and hot water verify operational and moisture issues are addressed, the unit could be made passable for an initial HCV/NSPIRE inspection within ~30 days (cleaning, minor repairs, install/verify detectors, fix GFCI outlets, address drainage).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Repairs",
"score": 65.0,
"rationale": "Photos show an older but intact single-story home with worn finishes and deferred cosmetic maintenance: peeling paint on porch steps and railing, worn carpeting, dated bathroom vanity, interior clutter, and cracked/patchy driveway asphalt. No large-scale visible structural collapse or missing exterior envelope elements. Missing or unknown kitchen appliance condition (no kitchen photos) and interior cosmetic repairs required. These are mostly cosmetic/low-capital items and should be fixable within a few weeks once unit is vacant."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Limited interior photos show at least one ceiling-mounted detector (likely smoke) but no visible CO alarm and no clear view of GFCI outlets in wet areas. Bedroom windows appear present (egress likely) but not verified for opening/size. Exterior shows intact doors with a security screen on the front; deadbolt presence not visible. There are signs of moisture/staining at foundation and a visible ceiling crack in one photo which raises the risk of prior/active water intrusion. No exposed wiring or collapsed ceilings are visible. Overall there are moderate inspection risks (detector coverage, GFCI, verify hot water and plumbing, address moisture) but no blatant life-threatening hazards visible in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states a new heat/air system installed in 2017 (reduces heating/cooling risk). Exterior shows an electric meter and intact panel location; no visible damaged service conductors. Metal roof appears intact though leaf accumulation is present in valleys. Basement/garage concrete block shows staining at grade indicating drainage/moisture concerns; water heater and furnace condition not photographed. Given the HVAC age note and lack of visible electrical or roof failure, major systems likely functional but need verification (water heater, hot water availability, HVAC service records)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Exterior siding and foundation are intact but show staining and mildew at grade indicating poor drainage or historic moisture against the block foundation. Driveway is extensively cracked and patched; gutters are present but leaf build-up in roof valleys is visible and trees overhang the roof (risk for future roof damage and debris-clogging). Yard is sloped toward the garage/basement area in photos, which raises drainage concerns. Vegetation close to the house will need trimming. Overall serviceable but needs drainage and site cleanup work."
}
],
"red_flags": [
"Foundation and basement/garage block show staining at grade — evidence of moisture intrusion/drainage problems that can lead to inspection failures if not corrected.",
"Ceiling cracking visible in interior photo — potential sign of prior or active roof/water leaks that must be investigated and repaired.",
"Large trees directly overhanging the roof (leaf accumulation in roof valleys) — increased risk of roof damage and clogged gutters.",
"No visible GFCI outlets in bathroom/kitchen photos and no visible CO alarm — potential code failures on electrical safety and CO protection.",
"Limited interior visibility and tenant-occupied status prevent full verification of appliances, water heater, electrical panel accessibility and detector coverage."
],
"confidence": 0.65,
"assumptions": [
"Heating/air system is present and operational based on listing note (installed 2017); no in-person HVAC test performed.",
"Tenant occupied during listing; interior inspection limited to staged photos — some items (kitchen appliances, water heater, electrical panel interior) not photographed and assumed serviceable until verified.",
"At least one smoke detector is installed (visible), but CO detector and GFCI outlets are not visible and are assumed absent/not verified.",
"Ceiling crack and foundation staining indicate past/possible moisture intrusion but no active leak with collapse is visible in photos.",
"Bedrooms have windows adequate for egress (windows visible), but sizes/sills not measured and should be verified at inspection.",
"Electrical service appears intact from exterior meter/panel; internal wiring condition not fully verifiable from photos."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/1BA single‑family appears rentable with moderate work. The property shows normal age‑related deferred maintenance (exterior siding, paint, carpet, bathroom vanity) and some site/drainage concerns around the block foundation and garage. The 2017 HVAC update is a positive sign. Most items are repair/capital work and should be addressable within 30 days. Inspection risk areas to verify before listing for Section 8: functioning smoke/CO detectors and GFCIs, basement/garage egress/security, evidence of active leaks or water intrusion in the basement, and grading/drainage near the foundation. If those items check out or are remediated, the property is likely to pass an initial HCV/NSPIRE inspection with minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "House exterior and interior show cosmetic wear but no catastrophic damage in photos. Exterior siding is aged and stained; porch steps, paint, and trim need repainting/repair. Interior carpets, bathroom vanity and fixtures are worn and would benefit from cleaning or replacement. No kitchen photo provided so appliance condition unknown (assumed present but older). Missing/old finishes are easy-to-fix/capital items rather than structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no exposed wiring). Front entry shows a security door and handrail is present at the steps. A ceiling‑mounted alarm-like device is visible in one photo but functionality of smoke/CO alarms is not confirmed; GFCI protection not visible in photos. Basement/garage window appears covered/makeshift which is a security/egress concern. Foundation and garage door show staining/soiling consistent with past moisture; drainage near foundation appears marginal. Overall some safety items likely need verification/repair (detectors, GFCI, basement egress/drainage) but no immediate catastrophic hazards visible."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Listing states a new heat/air system installed in 2017 (reasonable remaining life). Exterior shows an HVAC condensing unit near the fenced yard (visible in photos). Roof appears to be metal and visually intact though with leaf accumulation in valleys. Electrical meter/panel is present on exterior and looks intact from photos. Water heater, hot water availability and plumbing system condition are not shown but bathroom fixtures appear in place without visible active leaks. Given visible evidence and the 2017 HVAC update, major systems appear functional but need verification and possible minor maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 60.0,
"rationale": "Yard is maintained and driveway/parking exists with multiple driveways and garage. However driveway paving is heavily cracked and patched (trip/maintenance issue). Foundation block shows dirt staining and some efflorescence/mildew at the grade line and garage door is stained/deteriorated — suggests recurring wetting or poor grading. Large trees overhang the roof and gutters contain leaves and debris which increases roof/runoff risk. Siding and trim need cleaning/paint; partial basement/garage access requires attention to drainage and security. No visible major foundation displacement or active collapse, but moisture signs and site grading reduce score."
}
],
"red_flags": [
"Evidence of moisture/staining at foundation and garage door area (possible past or ongoing water intrusion)",
"Basement/garage window/door openings appear makeshift/covered — security and egress concern",
"Large tree overhang and leaf accumulation in roof valleys/gutters – increased risk for clogged drains/roof issues if not cleared"
],
"confidence": 0.7,
"assumptions": [
"Interior kitchen and major appliances are not shown; assumed older or unknown condition — missing appliances would be a moderate repair issue but not a fatal safety issue.",
"Listing statement that heat/air system was replaced in 2017 is accurate and the HVAC is operational.",
"No active roof leaks are present despite some leaf accumulation; no visible roof sagging in photos.",
"No visible major foundation settlement or structural sag noted in photos; staining at foundation is interpreted as moisture-related rather than active movement.",
"Electrical panel/meter appear intact externally; internal panel condition and presence of GFCIs/arc fault breakers were not verified from photos.",
"Smoke and carbon monoxide detectors are present in at least one location but their functionality and placement (per NSPIRE) are unverified from photos."
],
"overall_score": 67.0,
"rubric_version": "nsPIRE-v1-photo-assess-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "215 2nd Ave, Midfield, AL, 35228",
"aggregate": {
"summary": "Overall this 3BR/1BA dwelling appears to be a moderately well‑maintained, tenant‑occupied house with a functioning HVAC system installed in 2017 and intact major systems visible from exterior photos. Observable issues are mostly moderate: worn interior finishes and carpeting, aging bathroom vanity, weathered siding and paint, driveway deterioration, debris in roof valleys and staining at the foundation/garage indicating drainage/moisture concerns. No immediate life‑threatening hazards (collapsed ceilings, exposed live wiring, standing water) are visible, so the property is likely to become Section 8 / HCV inspection‑ready after targeted repairs and verification — expect about 2–6 weeks of work (cleaning gutters, correcting grading/drainage, cosmetic repairs, door/hardware checks, install/verify smoke & CO detectors and GFCI protection, and confirm kitchen appliances/water heater function).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior photos show lived-in, cluttered bedrooms, stained/worn carpeting, popcorn ceilings, and an aging bathroom vanity and fixtures — cosmetic and medium-minor repairs needed. Exterior shows weathered siding, peeling paint on steps, and a dirty/possibly rusted garage door. Listing notes HVAC replaced in 2017 which reduces capital burden. Missing kitchen photos: appliance condition unknown (missing appliances would be moderate deduction). Overall looks repairable within a typical rehab scope (paint, flooring, bathroom refresh, minor carpentry)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Yard is mowed and usable. Driveway asphalt is heavily cracked and patched (trip hazard, curb appeal issue). Foundation block shows staining and mildew at grade and at garage door — indicates poor drainage or past flooding risk. Trees are close/overhanging the roof (increases debris, gutter/roof maintenance needs). Downspouts are present but grading near foundation appears to allow water to contact the block in places. Chain link fenced area and multiple driveways/garage are positives for tenant use."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 63.3,
"rationale": "No immediate life‑threatening hazards visible (no collapsed ceilings, no exposed live wiring, no standing water). One ceiling-mounted alarm device is visible in photos (suggests at least one smoke detector). Bedrooms have windows (egress likely but not measured). Exterior electrical meter and conduit appear intact. Concerns: evidence of moisture/staining at foundation and garage which can correlate with mold/rot; gutters/roof valleys contain debris; GFCI and CO detector presence not verified. Handrail present on front steps but paint/condition is poor. These concerns create inspection risk but not an immediate fail on visible evidence."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Listing states a new heat/air system installed in 2017 (reduces HVAC failure risk). Exterior shows a metal roof in generally intact condition in photos but with leaf/debris accumulation in valleys — requires cleaning. Electrical service and panel are visible on the basement wall and appear intact (no exposed conductors shown). Bathroom fixtures appear present and functioning (toilet, tub, sink). Basement/garage show staining and possible past water intrusion which may indicate drainage or water‑heater/plumbing issues below grade — not confirmed from photos. No visible evidence of roof sagging or structural failure."
}
],
"red_flags": [
"Evidence of moisture/staining at foundation and garage door — potential past or ongoing water intrusion",
"Leaves/debris accumulating in roof valleys and gutters (risk of roof drainage issues/blocked runoff)",
"Driveway severely cracked and patched (trip hazard; may need repair for safe tenant access)",
"Basement/grade openings with makeshift coverings and visible staining — potential entry points for water/pests",
"No visible GFCI outlets or CO detector in provided interior photos (required items may be missing)",
"Interior carpeting and finishes heavily worn and cluttered — increases risk of hidden issues not visible in photos"
],
"confidence": 0.93,
"assumptions": [
"HVAC system installed in 2017 is operational as stated in listing; no breakdown observed in photos.",
"No kitchen photos provided — assume appliances may be present but condition unknown; missing appliances would be replaced prior to move‑in.",
"Water heater condition and location not shown; assume functional unless discovered otherwise during inspection.",
"Smoke detector visible in one interior photo represents at least one installed device; additional detectors and CO alarms may be required by local code/HUD and are not visible.",
"Basement/garage staining indicates previous moisture contact; assume some level of dampness risk though no active standing water is visible.",
"Electrical panel and service appear intact from exterior photo; full interior panel condition and GFCI presence are unverified.",
"Bedroom windows provide egress typical for a 1940 home; exact sizes not measured and should be verified for NSPIRE egress compliance.",
"Tenant-occupied condition limits interior visibility—assessment based on provided photos and listing statements."
],
"score_method": "mean_of_criteria",
"overall_score": 65.0,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7071513105"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.