Property ID: 7091499022

3904 7th Ave, Birmingham, AL, 35224

Birmingham, AL

For Sale Feb 16, 2026 08:14 PM UTC Realtor Zillow Street View
Money Down: $18,000 CoC Return: 25.59% Monthly Cash Flow: $384
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,000
Closing Costs
$3,000
Total Down
$18,000
Primary property image

Investment Snapshot

Purchase Price
$75,000
Money Down
$18,000
Cash-on-Cash Return
25.59%
Rent
$995
Monthly Cash Flow
$384
Annual Cash Flow
$4,606
Debt Service / Mo
$399
Property Tax / Mo
$66
Insurance / Mo
$46

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$995
Payment Standard
$1,518
Rent
$995
Insurance
$46
Property Tax
$66
Management
$100
Utilities Allowance
$523
NOI (Monthly)
$783
Debt Service
$399
Cash Flow After Debt
$384

Quality Score: 61.00%

Confidence: 87.00%

Overall the property appears to be a mostly intact, occupied single-family rental with cosmetic deferred maintenance and a few actionable safety items. Primary concerns visible from exterior: deteriorated front steps and compromised handrail, likely pre-1978 paint (lead-risk) and absence of visible central heating (only a window AC unit visible). Because a Section 8 tenant is currently in place and the listing reports recent updates, the unit is likely to be rentable with targeted repairs (handrail/step repair, paint remediation where required, verification/installation of required detectors and GFCIs, and confirmation of heating/hot water). Estimated readiness: minor-to-moderate repairs required; likely rent-ready within ~30 days once safety items and systems are verified and addressed.

Section 8 Payment Standard
$1,518
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$995
Property Management
$100

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$75,000
Beds
3
Baths
1
Living Area
1,372 sqft
Lot Size
7,841 sqft
Year Built
1907
Days on Market
163
Capital Outlay
$18,000
Debt Service
$399
Property Tax / Mo
$66
Insurance / Mo
$46

Property Description

Take advantage of this excellent opportunity to invest in a recently updated income-producing property. Located in the Wylam community, 3904 7th Ave is currently leased to a dependable Section 8 tenant, generating $995 in monthly rent. This three-bedroom, one-bathroom home offers comfortable living space and a strong rental history, making it a turnkey addition to any investor's portfolio. The tenant in place ensures reliable cash flow from day one. Situated close to schools, public transportation, and local amenities, this property appeals to renters seeking both convenience and comfort. With the added security of a Section 8 lease, this is a low-risk, high-reward opportunity for both new and seasoned investors. Don't miss your chance to own a stress-free, income-generating property - schedule your showing today!

Utility Allowances

Heating
$93
Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. Property has an electric water heater and central heating, making electric the most likely heating source. Alabama Power is the primary provider for Birmingham.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property is listed as having 'Central Air', which is electric. Alabama Power is the assumed provider for Birmingham.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. Cooking fuel was not specified. Electric was chosen for consistency with the electric water heater and assumed electric heating.
Water Heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. Property information explicitly states it has an 'Electric Water Heater'.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit, covering standard electrical needs. Alabama Power is assumed as the provider for Birmingham.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit. Property info states 'Public Water' and is located in Birmingham.
Sewer
$151
Selected fixed allowance for a 3-bedroom unit. Property info confirms it is 'Sewer Connected'.
Trash Collection
$20
Selected 'Mulga ISCL' for a 3-bedroom unit. The property's area is described as 'Mulga, Wylam'.
Refrigerator
$8
The property's appliance list is 'None', so it is assumed the tenant provides the refrigerator. A fixed allowance is included.
Range/Microwave
$6
The property's appliance list is 'None', so it is assumed the tenant provides the range/microwave. A fixed allowance is included.

Source References

Payment Standard Source
Effective Date: Jan 01, 2026
Utility Allowance Source
Effective Date: Jan 01, 2026

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$486
DP3 Annual Estimate$624
DP1 Monthly Equivalent$40
DP3 Monthly Equivalent$52
Replacement Value$48,500
Basis1,372 sqft / 1907

Nearby Houses

Nearby house 1
Photo unavailable

3914 7th Ave

sold · 0.03 mi
Price: $46,500
2 bd / 1 ba · 1,120 sqft
Latest sale: $46,500 on Aug 27, 2025
Latest rent: —
Nearby house 2
Photo unavailable

603 Erie St

sold · 0.04 mi
Price: $8,500
2 bd / 1 ba
Latest sale: $8,500 on Jun 30, 2016
Latest rent: $600 on Mar 30, 2013
Nearby house 3
Photo unavailable

724 Buffalo St

sold · 0.10 mi
Price: $124,000
3 bd / 2 ba · 1,156 sqft
Latest sale: $124,000 on Apr 22, 2024
Latest rent: $700 on May 19, 2014
Nearby house 4
Photo unavailable

728 Buffalo St

sold · 0.10 mi
Price: $10,000
3 bd / 1 ba
Latest sale: $10,000 on Jan 04, 2017
Latest rent: —
Nearby house 5
Photo unavailable

720 Erie St

sold · 0.12 mi
Price: $140,000
3 bd / 2 ba · 1,514 sqft
Latest sale: $140,000 on May 07, 2021
Latest rent: —
Nearby house 6
Photo unavailable

513 Buffalo St

sold · 0.13 mi
Price: $26,000
3 bd / 2 ba · 1,159 sqft
Latest sale: $26,000 on Apr 13, 2022
Latest rent: $356 on Apr 09, 2019
Nearby house 7
Photo unavailable

805 Cambridge St

sold · 0.13 mi
Price: $11,500
2 bd / 1 ba · 1,421 sqft
Latest sale: $11,500 on Apr 19, 2017
Latest rent: —
Nearby house 8
Photo unavailable

809 Cambridge St

for_sale · 0.14 mi
Price: $26,000
3 bd / 1 ba · 1,396 sqft
Latest sale: $3,030 on Jul 25, 2016
Latest rent: $1,000 on Apr 03, 2012

Risk and Criteria Detail

Red Flags

  • success
  • Loose/compromised front handrail and deteriorated concrete front steps (trip/fall hazard) — likely immediate fail until repaired.
  • High likelihood of lead-based paint and peeling exterior paint surfaces (house built 1907) — remediation/temporary stabilization may be required for NSPIRE compliance in units occupied by children or where paint is deteriorated.
  • No visible central heating system (only window AC visible) — heating must be present and functional for inspection; absence is an inspection fail.
  • Tree canopy very close to roofline — potential roof/soffit damage or debris risk that should be inspected and mitigated.

Assumptions

  • Interior was recently updated as claimed in listing and tenant-occupied condition implies basic systems (water, electricity, hot water) are functional unless disclosed otherwise.
  • Existing Section 8 tenant and rental history entry (2021) indicates the property previously passed at least one HUD/Section 8 inspection, though reinspection may be required at transfer.
  • No major roof sagging, foundation movement, or collapsed ceilings exist beyond what is visible in the provided exterior photo.
  • Smoke and CO detectors, GFCI protections, and plumbing fixture operation are unknown from photos and must be verified; assume they may need minor work or replacement.
  • Heating system is not visible; assume either an existing but unshown heating system or space heaters; this must be verified and may affect inspection passability.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $772 $53,300 $10,660
2023 $772 $53,300 $10,660
2022 $577 $39,800 $7,960
2021 $577 $39,800 $7,960
2020 $577 $39,800 $7,960
2019 $577 $39,800 $7,960
2018 $494 $34,100 $6,820
2017 $494 $34,100 $6,820
2016 $494 $34,100 $6,820
2015 $494 $34,100 $6,820
2013 $476 $33,200 $6,640
2012 $476 $33,150 $6,630
2011 $484 $33,800 $6,760
2010 $484 $33,800 $6,760
2009 $484 $33,800 $6,760
2008 $495 $34,600 $6,920
2007 $490 $34,200 $6,840

Sale History

DateEventPrice
2025-09-06 Listed $75,000
2023-11-16 Listing removed $0
2022-02-14 Listed $85,000

Rental History

DateEventPriceSource
2021-06-16 Listed for rent $795

Photo Gallery

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            "assessment": {
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            "assessment": {
              "land": null,
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          {
            "tax": 577,
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            "assessment": {
              "land": null,
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          {
            "tax": 577,
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            "market": {
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            "assessment": {
              "land": null,
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          {
            "tax": 577,
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            "assessment": {
              "land": null,
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          {
            "tax": 577,
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              "building": 35000
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            "assessment": {
              "land": null,
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          {
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            "assessment": {
              "land": null,
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            "assessment": {
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          {
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            "assessment": {
              "land": null,
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          {
            "tax": 476,
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            "assessment": {
              "land": null,
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          {
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            "assessment": {
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          {
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            "assessment": {
              "land": 960,
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            "assessment": {
              "land": 960,
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            "assessment": {
              "land": 960,
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          {
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        "note": "Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. Property has an electric water heater and central heating, making electric the most likely heating source. Alabama Power is the primary provider for Birmingham.",
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        "allowance": 93
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        "note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property is listed as having 'Central Air', which is electric. Alabama Power is the assumed provider for Birmingham.",
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        "allowance": 22
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      {
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        "utility": "Cooking",
        "allowance": 21
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      {
        "note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Property information explicitly states it has an 'Electric Water Heater'.",
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        "allowance": 56
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      {
        "note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit, covering standard electrical needs. Alabama Power is assumed as the provider for Birmingham.",
        "utility": "Other Electric",
        "allowance": 68
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      {
        "note": "Selected 'Water: Birmingham' for a 3-bedroom unit. Property info states 'Public Water' and is located in Birmingham.",
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        "allowance": 78
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        "note": "Selected fixed allowance for a 3-bedroom unit. Property info confirms it is 'Sewer Connected'.",
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        "allowance": 151
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        "note": "Selected 'Mulga ISCL' for a 3-bedroom unit. The property's area is described as 'Mulga, Wylam'.",
        "utility": "Trash Collection",
        "allowance": 20
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      {
        "note": "The property's appliance list is 'None', so it is assumed the tenant provides the refrigerator. A fixed allowance is included.",
        "utility": "Refrigerator",
        "allowance": 8
      },
      {
        "note": "The property's appliance list is 'None', so it is assumed the tenant provides the range/microwave. A fixed allowance is included.",
        "utility": "Range/Microwave",
        "allowance": 6
      }
    ],
    "cash_on_cash_return": 0.63,
    "down_payment_amount": 15000.0,
    "property_tax_annual": 795.16,
    "property_tax_monthly": 66.26,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 523.0,
    "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": 4605.66,
    "property_management_monthly": 99.5,
    "monthly_cash_flow_after_debt": 383.81,
    "cash_on_cash_return_after_debt": 0.31
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall the property appears to be a mostly intact, occupied single-family rental with cosmetic deferred maintenance and a few actionable safety items. Primary concerns visible from exterior: deteriorated front steps and compromised handrail, likely pre-1978 paint (lead-risk) and absence of visible central heating (only a window AC unit visible). Because a Section 8 tenant is currently in place and the listing reports recent updates, the unit is likely to be rentable with targeted repairs (handrail/step repair, paint remediation where required, verification/installation of required detectors and GFCIs, and confirmation of heating/hot water). Estimated readiness: minor-to-moderate repairs required; likely rent-ready within ~30 days once safety items and systems are verified and addressed.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 70.0,
            "rationale": "Exterior shows age-related deferred maintenance: peeling/older paint on siding and window sashes, worn porch steps and cracked concrete, cosmetic wear to porch and trim. No catastrophic visible structural failure. Missing/aged windows and minor masonry/chip-out on steps will require repair/paint. Interior not shown; listing claims recent updates and tenant-occupied which reduces likelihood of major interior cosmetic issues. Overall condition suggests minor-to-moderate repairs but otherwise rentable with 1-2 weeks to 30 days of work."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code compliance risk",
            "score": 55.0,
            "rationale": "Visible safety concerns: front stairs show concrete spalling and one handrail appears compromised (loose/offset) — this is an inspection-fail risk until repaired. House built 1907 => high probability of lead-based paint and peeling surfaces requiring remediation where present. No interior photos to confirm smoke/CO detectors, GFCIs, egress windows, or plumbing/hot water. Window AC visible (suggests cooling) but no visible central heat; absence of visible heating system creates risk for failing inspection if heating not provided or not functional. No obvious exposed wiring or active leaks visible from exterior. Net: several moderate inspection risks that are fixable but must be addressed prior to or at inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (roof, HVAC, electrical, plumbing)",
            "score": 60.0,
            "rationale": "Roof shingles appear aged but not visibly collapsed or sagging from the provided photo; porch metal roof section looks newer. Window AC unit indicates cooling is present but central HVAC presence/function is unknown. No visible evidence of major electrical hazards, but conduit/wiring along gable is present and should be verified. Plumbing, water heater and electrical panel locations/condition are not shown. Because the property is occupied and listed as producing rent under Section 8, it's likely systems are functional, but lack of visible central heating and unknown age of major systems warrant a moderate score."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 60.0,
            "rationale": "Siding and foundation appear generally intact though paint and trim are worn. Steps and front landing show concrete deterioration and metal handrails appear compromised (trip/fall risk). Yard slopes to street; no standing water visible. Mature tree close to house could pose future roof/root risk and will require routine maintenance. Chain-link fence presence on left indicates secured lot boundary. Driveway/sidewalk appear functional though curb area shows minor debris."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent 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": [
          "Loose/compromised front handrail and deteriorated concrete front steps (trip/fall hazard) — likely immediate fail until repaired.",
          "High likelihood of lead-based paint and peeling exterior paint surfaces (house built 1907) — remediation/temporary stabilization may be required for NSPIRE compliance in units occupied by children or where paint is deteriorated.",
          "No visible central heating system (only window AC visible) — heating must be present and functional for inspection; absence is an inspection fail.",
          "Tree canopy very close to roofline — potential roof/soffit damage or debris risk that should be inspected and mitigated."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Interior was recently updated as claimed in listing and tenant-occupied condition implies basic systems (water, electricity, hot water) are functional unless disclosed otherwise.",
          "Existing Section 8 tenant and rental history entry (2021) indicates the property previously passed at least one HUD/Section 8 inspection, though reinspection may be required at transfer.",
          "No major roof sagging, foundation movement, or collapsed ceilings exist beyond what is visible in the provided exterior photo.",
          "Smoke and CO detectors, GFCI protections, and plumbing fixture operation are unknown from photos and must be verified; assume they may need minor work or replacement.",
          "Heating system is not visible; assume either an existing but unshown heating system or space heaters; this must be verified and may affect inspection passability."
        ],
        "overall_score": 62.0,
        "rubric_version": "ns_prep_v1.0"
      },
      {
        "summary": "Overall the property appears to be a mostly serviceable, tenant-occupied single‑family home that is likely to be rentable with minor-to-moderate repairs. Visible issues are primarily exterior/cosmetic (paint, windows, concrete steps) and some safety concerns (loose exterior wiring, corroded/possibly loose handrails, vegetation close to structure). Major systems (heating, water heater, electrical panel) are not visible and require verification. Given the tenant and listing claim of recent updates, the home is likely to be Section 8-ready with 1–4 weeks of targeted fixes (rails/steps, address exterior wiring, verify smoke/CO detectors/GFCIs and heating).",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Exterior photo shows intact structure with cosmetic wear: peeling/aged paint at windows, older siding, concrete front steps with spalling/chips, and dated windows. Porch and brick columns appear serviceable. Listing states 'recently updated' and tenant-occupied which suggests interior updates, so major interior deferred maintenance is not assumed. Missing/old appliances cannot be verified from photos; absence of interior photos reduces certainty. Overall: minor-to-moderate cosmetic repairs likely, no visible catastrophic failure."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 60.0,
            "rationale": "Visible issues: an exterior electrical cable/wire runs along the façade and appears loosely attached — potential electrical hazard. Front steps show deterioration; handrails are present but may be corroded or loosely anchored (trip/fall risk). No smoke/CO detectors or GFCI outlets are visible from exterior photo (interior not shown). Windows are original-style and may not meet modern egress sizes in bedrooms; age of paint raises possible lead-risk concern for a 1907 home. No active water intrusion, collapsed ceilings, or standing water visible. Given tenant in place and listing claim of updates, assume basic safety items are present but several NSPIRE checkpoints need verification/replacement."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical Condition",
            "score": 55.0,
            "rationale": "Major systems not visible from provided photo. A window AC unit is visible in the front door area indicating cooling is provided by window unit(s) rather than central HVAC; heating system and water heater are not visible. Roof shingles appear aged and may be near end-of-life but show no obvious major sag or active leak in the photo. Electrical service and panel condition are unknown; presence of loose exterior wiring raises concern. Plumbing and hot water supply cannot be confirmed. Recommend interior/system inspection and verification of heating, hot water, electrical panel, and roof condition."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 65.0,
            "rationale": "Yard grading is serviceable; sidewalk and primary access present. Steps are worn and need repair; handrails exist but may require reinforcement. Siding and foundation appear intact though paint is worn. Significant vegetation and a large tree are close to the house on the right side which presents risk for roots, debris, pest entry, and roof damage. Chainlink/side yard is overgrown and could conceal issues. No visible standing water or severe foundation cracking in the provided image."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental / Section 8 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": [
          "Exterior cable/wiring appears loose/exposed along façade — potential electrical hazard that requires immediate evaluation.",
          "Front entry concrete steps are spalled/chipped and handrails appear corroded/possibly loose — unsafe stairs/handrail risk.",
          "Roof shingles appear aged and may be near end-of-life; further evaluation recommended to rule out leaks or major roof failure.",
          "Large tree and dense vegetation directly adjacent to the structure — risk for foundation/roof damage, pest entry, and moisture intrusion."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Interior condition, placement and functionality of smoke detectors, carbon monoxide detectors, GFCI outlets, plumbing fixtures, hot water heater, and electrical panel are not visible and therefore assumed functional unless inspection shows otherwise.",
          "Listing statement 'recently updated' and active Section 8 tenant (rental history present) imply prior inspection compliance within the past few years; used to moderate scoring upward.",
          "Window-mounted AC unit indicates cooling is provided; heating system is not visible and assumed present but must be verified.",
          "No visible active roof leak or collapsed ceiling in the single exterior photo; roof is assumed aged but not actively failing unless interior evidence indicates otherwise.",
          "Appliances (stove, refrigerator) are not visible; missing appliances would be considered moderate repairs but are not scored as catastrophic here."
        ],
        "overall_score": 68.0,
        "rubric_version": "2026-02-16-v1"
      },
      {
        "summary": "This is a moderately turnkey Section 8 investment with an in-place voucher tenant and recent rental activity. Exterior photos show moderate deferred maintenance (peeling paint, spalled steps, aged roof shingles, overgrown vegetation) and some safety/code concerns (lead-paint risk, stair/trip hazard, no visible heating system). Because the unit is tenant-occupied and listed as recently updated, many failures are less likely, but several major systems (heating, electrical panel, water heater) and smoke/CO detector locations are unverified and should be confirmed. Estimated time to get inspection-ready: 2–6 weeks if interior systems are functional; longer if heating or roof repairs are required.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 65.0,
            "rationale": "Exterior photos show moderate deferred maintenance: peeling/aged paint, warped siding at the lower wall, spalled concrete steps, worn porch surfaces and older single-pane windows. Listing states 'recently updated' and tenant-occupied which mitigates some risk; missing/older fixtures likely interior but not visible. Missing appliances are not evident from photos or listing; tenant-occupied income property suggests basic appliances/functionality present. Overall cosmetic and targeted repairs likely; not major structural rehab."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 55.0,
            "rationale": "Visible issues that raise NSPIRE risk: peeling paint around windows (property built 1907 → lead-paint risk), concrete stair spalling (trip hazard) and an exterior handrail that appears intact but aged. No visible smoke/CO detectors, GFCI, or egress window compliance can be verified from photos. No obvious exposed live wiring or active leaks observed. Current Section 8 tenancy and claimed recent updates reduce likelihood of multiple code failures, but detectable lead-risk paint and stair condition pose inspection concerns."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 50.0,
            "rationale": "Roof shingles appear aged and may be near end of service life though no active sagging or visible major failure is evident. No visible central HVAC (window AC visible) — heating system not visible; absence of a visible heating appliance is a concern for winter heating compliance until verified. Electrical panel, water heater, plumbing, and drainage were not photographed. Tenant-occupied and listing description suggesting recent updates support partial functionality, but several major systems remain unverified and roof/heat risk moderate."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 60.0,
            "rationale": "Lot and site show an intact foundation above grade with painted masonry; no obvious foundation displacement or major cracks visible from front photo. Yard is sloped, vegetation is overgrown near the structure and could mask issues, and the sidewalk/stairs show spalling. Siding and trim need repainting/repair. No standing water or obvious infestation visible. Overall exterior is serviceable but needs maintenance to ensure safe access and longevity."
          },
          {
            "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": [
          "Spalled/unsafe front stairs and trip hazard at entry",
          "No visible central heating system (window AC visible) — heating must be confirmed",
          "Peeling/aged paint around windows on a 1907 house (potential lead-based paint risk)"
        ],
        "confidence": 0.6,
        "assumptions": [
          "Interior condition and major systems are not visible; assume basic functionality given tenant-occupancy and listing claim of recent updates.",
          "Listing note that property is leased to a Section 8 tenant implies the property previously passed an HCV inspection within the last few years (consistent with rental_history_last_5y data).",
          "Window AC visible suggests cooling exists but central HVAC or heating system is not visible; assume heating exists but needs verification.",
          "Peeling/aged exterior paint on a house built in 1907 is treated as potential lead-based paint risk until tested or mitigated.",
          "No interior photos provided; smoke/CO detectors, GFCI, egress window sizes, and plumbing/hot water operation are unknown and assumed typical but must be verified."
        ],
        "overall_score": 63.0,
        "rubric_version": "1.0"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "3904 7th Ave, Birmingham, AL, 35224",
    "aggregate": {
      "summary": "Overall the property appears to be a mostly intact, occupied single-family rental with cosmetic deferred maintenance and a few actionable safety items. Primary concerns visible from exterior: deteriorated front steps and compromised handrail, likely pre-1978 paint (lead-risk) and absence of visible central heating (only a window AC unit visible). Because a Section 8 tenant is currently in place and the listing reports recent updates, the unit is likely to be rentable with targeted repairs (handrail/step repair, paint remediation where required, verification/installation of required detectors and GFCIs, and confirmation of heating/hot water). Estimated readiness: minor-to-moderate repairs required; likely rent-ready within ~30 days once safety items and systems are verified and addressed.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Visible condition and repair needs",
          "score": 68.3,
          "rationale": "Exterior shows age-related deferred maintenance: peeling/older paint on siding and window sashes, worn porch steps and cracked concrete, cosmetic wear to porch and trim. No catastrophic visible structural failure. Missing/aged windows and minor masonry/chip-out on steps will require repair/paint. Interior not shown; listing claims recent updates and tenant-occupied which reduces likelihood of major interior cosmetic issues. Overall condition suggests minor-to-moderate repairs but otherwise rentable with 1-2 weeks to 30 days of work."
        },
        {
          "key": "exterior_site",
          "label": "Exterior envelope and site condition",
          "score": 61.7,
          "rationale": "Siding and foundation appear generally intact though paint and trim are worn. Steps and front landing show concrete deterioration and metal handrails appear compromised (trip/fall risk). Yard slopes to street; no standing water visible. Mature tree close to house could pose future roof/root risk and will require routine maintenance. Chain-link fence presence on left indicates secured lot boundary. Driveway/sidewalk appear functional though curb area shows minor debris."
        },
        {
          "key": "rental_history_activity",
          "label": "Recent 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 compliance risk",
          "score": 56.7,
          "rationale": "Visible safety concerns: front stairs show concrete spalling and one handrail appears compromised (loose/offset) — this is an inspection-fail risk until repaired. House built 1907 => high probability of lead-based paint and peeling surfaces requiring remediation where present. No interior photos to confirm smoke/CO detectors, GFCIs, egress windows, or plumbing/hot water. Window AC visible (suggests cooling) but no visible central heat; absence of visible heating system creates risk for failing inspection if heating not provided or not functional. No obvious exposed wiring or active leaks visible from exterior. Net: several moderate inspection risks that are fixable but must be addressed prior to or at inspection."
        },
        {
          "key": "systems_mechanical",
          "label": "Major systems (roof, HVAC, electrical, plumbing)",
          "score": 55.0,
          "rationale": "Roof shingles appear aged but not visibly collapsed or sagging from the provided photo; porch metal roof section looks newer. Window AC unit indicates cooling is present but central HVAC presence/function is unknown. No visible evidence of major electrical hazards, but conduit/wiring along gable is present and should be verified. Plumbing, water heater and electrical panel locations/condition are not shown. Because the property is occupied and listed as producing rent under Section 8, it's likely systems are functional, but lack of visible central heating and unknown age of major systems warrant a moderate score."
        }
      ],
      "red_flags": [
        "Loose/compromised front handrail and deteriorated concrete front steps (trip/fall hazard) — likely immediate fail until repaired.",
        "High likelihood of lead-based paint and peeling exterior paint surfaces (house built 1907) — remediation/temporary stabilization may be required for NSPIRE compliance in units occupied by children or where paint is deteriorated.",
        "No visible central heating system (only window AC visible) — heating must be present and functional for inspection; absence is an inspection fail.",
        "Tree canopy very close to roofline — potential roof/soffit damage or debris risk that should be inspected and mitigated."
      ],
      "confidence": 0.87,
      "assumptions": [
        "Interior was recently updated as claimed in listing and tenant-occupied condition implies basic systems (water, electricity, hot water) are functional unless disclosed otherwise.",
        "Existing Section 8 tenant and rental history entry (2021) indicates the property previously passed at least one HUD/Section 8 inspection, though reinspection may be required at transfer.",
        "No major roof sagging, foundation movement, or collapsed ceilings exist beyond what is visible in the provided exterior photo.",
        "Smoke and CO detectors, GFCI protections, and plumbing fixture operation are unknown from photos and must be verified; assume they may need minor work or replacement.",
        "Heating system is not visible; assume either an existing but unshown heating system or space heaters; this must be verified and may affect inspection passability."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 61.0,
      "rubric_version": "ns_prep_v1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7091499022"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.