Property ID: 7105527464
216 Navajo Trl, Birmingham, AL, 35215
Birmingham, AL
Money Down: $30,000
CoC Return: 9.41%
Monthly Cash Flow: $235
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
9.41%
Rent
$1,215
Monthly Cash Flow
$235
Annual Cash Flow
$2,822
Debt Service / Mo
$665
Property Tax / Mo
$122
Insurance / Mo
$71
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,215
Payment Standard
$1,738
Rent
$1,215
Insurance
$71
Property Tax
$122
Management
$122
Utilities Allowance
$523
NOI (Monthly)
$900
Debt Service
$665
Cash Flow After Debt
$235
Quality Score: 71.20%
Confidence: 95.00%
Based on photos and the listing, this 3BR/1.5BA 1959 home appears generally well-maintained with updated interior finishes, functioning kitchen range, an updated bathroom and tidy exterior. Most issues appear cosmetic or minor (ceiling patch, roof age, driveway staining). Key NSPIRE items that cannot be confirmed from photos are bedroom egress dimensions, presence/operation of HVAC and water heater, location and functionality of the electrical panel, and presence of a carbon monoxide alarm. With targeted verification/repairs on those systems and confirmation of required detectors and egress, the property is likely to pass an initial HCV/NSPIRE inspection with minor work (estimated rent-ready within 2–4 weeks).
Section 8 Payment Standard
$1,738
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,215
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$125,000
Beds
3
Baths
1.5
Living Area
1,311 sqft
Lot Size
10,890 sqft
Year Built
1959
Days on Market
105
Capital Outlay
$30,000
Debt Service
$665
Property Tax / Mo
$122
Insurance / Mo
$71
Property Description
This well maintained 3-bedroom, 1.5-bath home offers a great investment opportunity or future personal residence. Currently occupied by a faithful long-term tenant, this property provides immediate income potential. Conveniently located near major interstates, shopping, and dining making commuting and daily errands a breeze. Don't miss this chance to own a solid home in a desirable, accessible location!
Utility Allowances
Heating
$93
Property has central heating. Based on the presence of an electric oven, stove, and water heater, an all-electric setup is assumed. The most likely provider is Alabama Power, selected from the schedule.
Cooling
$22
Property has central air conditioning, which is electric. Selected 'Alabama Power' as the most likely provider.
Cooking
$21
Property includes an 'Electric Oven' and 'Stove-Electric'. Selected the corresponding electric option from the schedule, assuming Alabama Power is the provider.
Water Heating
$56
Property listing specifies an 'Electric Water Heater'. Selected the electric water heating option, assuming Alabama Power is the provider.
Other Electric
$68
This covers general electricity for lights and other tenant appliances. Selected 'Alabama Power' as it is the presumed electric provider.
Water
$78
Property information confirms 'Public Water' source and is located in Birmingham. The 'Water: Birmingham' option was selected from the schedule.
Sewer
$151
Property information states 'Sewer Connected'. The allowance is a fixed rate from the schedule for a 3-bedroom unit.
Trash Collection
$20
As the property is in Birmingham (Jefferson County), the 'Jefferson City (Once per week)' option was selected as the most applicable.
Refrigerator
$8
The property listing does not explicitly state a refrigerator is provided, so an allowance for a tenant-owned appliance is included.
Range/Microwave
$6
The property listing does not mention a microwave, so an allowance for a tenant-owned appliance 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 QuoteDP1 Annual Estimate$705
DP3 Annual Estimate$1,007
DP1 Monthly Equivalent$59
DP3 Monthly Equivalent$84
Replacement Value$85,800
Basis1,311 sqft / 1959
Nearby Houses
Photo unavailable
220 Navajo Trl
sold · 0.01 mi
Price: $114,000
3 bd / 2 ba · 1,139 sqft
Latest sale: $114,000 on May 25, 2021
Latest rent: $875 on Jul 30, 2019
Photo unavailable
200 Navajo Trl
sold · 0.06 mi
Price: $128,000
3 bd / 2 ba · 1,932 sqft
Latest sale: $128,000 on Jan 08, 2024
Latest rent: —
Photo unavailable
1140 Rainbow Dr NE
sold · 0.07 mi
Price: $160,000
3 bd / 2 ba · 1,366 sqft
Latest sale: $160,000 on Aug 05, 2022
Latest rent: —
Photo unavailable
233 Navajo Trl
sold · 0.07 mi
Price: $67,000
3 bd / 2 ba · 1,040 sqft
Latest sale: $67,000 on Oct 14, 2020
Latest rent: —
Photo unavailable
1144 Cheyenne Blvd
sold · 0.09 mi
Price: $130,900
3 bd / 2 ba · 1,420 sqft
Latest sale: $130,900 on Nov 15, 2024
Latest rent: $950 on Jan 15, 2021
Photo unavailable
1149 Cheyenne Blvd
sold · 0.10 mi
Price: $130,000
5 bd / 2 ba · 1,440 sqft
Latest sale: $130,000 on May 22, 2024
Latest rent: $1,075 on Jul 17, 2018
Photo unavailable
1131 Kawanda Ln
sold · 0.12 mi
Price: $88,900
3 bd / 1 ba · 1,008 sqft
Latest sale: $88,900 on Dec 04, 2018
Latest rent: $885 on Dec 06, 2018
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Property is occupied by a long-term tenant and therefore utilities and core systems (electric, water) are active.
- HVAC and water heater are present and functioning (not visible in photos) because the unit is occupied and interior appears in daily-use condition.
- Smoke detector visible in living room is functional; additional required smoke/CO detectors may be present but not visible in photos.
- Bedrooms meet minimum egress requirements unless proven otherwise; front facade windows include some smaller/high windows that may belong to non-bedroom spaces.
- No active roof leaks or major hidden structural issues are present; roof shows age but no visible sagging or missing large sections.
- Kitchen appliances include at least a working stove/oven (seen); refrigerator presence not shown and assumed available or easily provided.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,418 | $97,800 | $19,560 |
| 2023 | $1,418 | $97,800 | $19,560 |
| 2022 | $1,255 | $86,600 | $17,320 |
| 2021 | $1,220 | $84,200 | $16,840 |
| 2020 | $1,136 | $78,400 | $15,680 |
| 2019 | $1,136 | $78,400 | $15,680 |
| 2018 | $907 | $62,600 | $12,520 |
| 2017 | $907 | $62,600 | $12,520 |
| 2016 | $907 | $62,600 | $12,520 |
| 2015 | $907 | $62,600 | $12,520 |
| 2013 | $836 | $59,100 | $11,820 |
| 2012 | $922 | $65,300 | $13,060 |
| 2011 | $1,097 | $77,900 | $15,580 |
| 2010 | $1,097 | $77,900 | $15,580 |
| 2009 | $1,097 | $77,900 | $15,580 |
| 2008 | $1,118 | $79,400 | $15,880 |
| 2007 | $1,106 | $78,500 | $15,700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-02-23 | Sold | $84,900 |
Photo Gallery
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"status": "off_market",
"list_date": "2019-04-29T16:47:02Z",
"list_price": 895,
"listing_id": "2280128769",
"last_update_date": "2019-09-19T20:55:49Z",
"last_status_change_date": "2019-09-21T07:07:04Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "848106",
"price_change_percentage": null
},
{
"date": "2019-04-29",
"price": 895,
"listing": {
"status": "off_market",
"list_date": "2019-04-29T16:47:02Z",
"list_price": 895,
"listing_id": "2280128769",
"last_update_date": "2019-09-19T20:55:49Z",
"last_status_change_date": "2019-09-21T07:07:04Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "848106",
"price_change_percentage": null
},
{
"date": "2018-03-15",
"price": 895,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 895,
"listing_id": "628020803",
"last_update_date": "2018-04-02T22:08:20Z",
"last_status_change_date": "2018-03-15T13:48:38Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "442413",
"price_change_percentage": null
},
{
"date": "2018-03-06",
"price": 84920,
"listing": null,
"event_name": "Sold",
"price_sqft": 64.77498093058733,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2018-03-06",
"price": 895,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 895,
"listing_id": "628020803",
"last_update_date": "2018-04-02T22:08:20Z",
"last_status_change_date": "2018-03-15T13:48:38Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "442413",
"price_change_percentage": null
},
{
"date": "2018-02-23",
"price": 84900,
"listing": {
"status": "sold",
"list_date": "2019-02-11T18:16:07Z",
"list_price": 84900,
"listing_id": "628946935",
"last_update_date": "2018-03-07T15:45:00Z",
"last_status_change_date": "2019-02-11T18:16:07Z"
},
"event_name": "Sold",
"price_sqft": 64.75972540045767,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "805209",
"price_change_percentage": "$0"
},
{
"date": "2018-02-22",
"price": 895,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 895,
"listing_id": "628020803",
"last_update_date": "2018-04-02T22:08:20Z",
"last_status_change_date": "2018-03-15T13:48:38Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": "37 days",
"source_listing_id": "442413",
"price_change_percentage": null
},
{
"date": "2018-01-16",
"price": 84900,
"listing": {
"status": "sold",
"list_date": "2019-02-11T18:16:07Z",
"list_price": 84900,
"listing_id": "628946935",
"last_update_date": "2018-03-07T15:45:00Z",
"last_status_change_date": "2019-02-11T18:16:07Z"
},
"event_name": "Listed",
"price_sqft": 64.75972540045767,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "805209",
"price_change_percentage": "+102.14%"
},
{
"date": "2017-12-16",
"price": 895,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 895,
"listing_id": "628020803",
"last_update_date": "2018-04-02T22:08:20Z",
"last_status_change_date": "2018-03-15T13:48:38Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "442413",
"price_change_percentage": null
},
{
"date": "1985-10-01",
"price": 42000,
"listing": null,
"event_name": "Sold",
"price_sqft": 32.036613272311214,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7105527464",
"generated_at": "2026-02-16T03:07:04.351134Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 71.2
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/dc866f1447d51597e91cdda35a44081dl-m3809079056s-w1280.jpg",
"rent_price": 1215.0,
"loan_amount": 100000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/216-Navajo-Trl_Birmingham_AL_35215_M71055-27464",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 125000.0,
"loan_term_years": 30,
"annual_cash_flow": 10805.46,
"mortgage_monthly": 665.3,
"payment_standard": 1738.0,
"total_amount_out": 25000.0,
"additional_photos": [
"https://ap.rdcpix.com/dc866f1447d51597e91cdda35a44081dl-m3898025133s-w1280.jpg",
"https://ap.rdcpix.com/dc866f1447d51597e91cdda35a44081dl-m743513067s-w1280.jpg",
"https://ap.rdcpix.com/dc866f1447d51597e91cdda35a44081dl-m1385129195s-w1280.jpg",
"https://ap.rdcpix.com/dc866f1447d51597e91cdda35a44081dl-m3493601991s-w1280.jpg",
"https://ap.rdcpix.com/dc866f1447d51597e91cdda35a44081dl-m1267253746s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 71.33,
"monthly_cash_flow": 900.46,
"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. Based on the presence of an electric oven, stove, and water heater, an all-electric setup is assumed. The most likely provider is Alabama Power, selected from the schedule.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has central air conditioning, which is electric. Selected 'Alabama Power' as the most likely provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property includes an 'Electric Oven' and 'Stove-Electric'. Selected the corresponding electric option from the schedule, assuming Alabama Power is the provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property listing specifies an 'Electric Water Heater'. Selected the electric water heating option, assuming Alabama Power is the provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This covers general electricity for lights and other tenant appliances. Selected 'Alabama Power' as it is the presumed electric provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property information confirms 'Public Water' source and is located in Birmingham. The 'Water: Birmingham' option was selected from the schedule.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property information states 'Sewer Connected'. The allowance is a fixed rate from the schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "As the property is in Birmingham (Jefferson County), the 'Jefferson City (Once per week)' option was selected as the most applicable.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property listing does not explicitly state a refrigerator is provided, so an allowance for a tenant-owned appliance is included.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property listing does not mention a microwave, so an allowance for a tenant-owned appliance is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.43,
"down_payment_amount": 25000.0,
"property_tax_annual": 1460.54,
"property_tax_monthly": 121.71,
"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": 2821.83,
"property_management_monthly": 121.5,
"monthly_cash_flow_after_debt": 235.15,
"cash_on_cash_return_after_debt": 0.11
},
"section8_assessment": {
"runs": [
{
"summary": "Based on photos and the listing, this 3BR/1.5BA 1959 home appears generally well-maintained with updated interior finishes, functioning kitchen range, an updated bathroom and tidy exterior. Most issues appear cosmetic or minor (ceiling patch, roof age, driveway staining). Key NSPIRE items that cannot be confirmed from photos are bedroom egress dimensions, presence/operation of HVAC and water heater, location and functionality of the electrical panel, and presence of a carbon monoxide alarm. With targeted verification/repairs on those systems and confirmation of required detectors and egress, the property is likely to pass an initial HCV/NSPIRE inspection with minor work (estimated rent-ready within 2–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show a generally well-maintained home: fresh paint on brick, maintained lawn, new-looking vinyl plank flooring, updated bathroom tile and a functioning electric range. Visible minor issues: small ceiling patch/uneven area in living room ceiling, driveway staining and some exterior roof discoloration. No visible collapsed surfaces or extensive deferred maintenance. Missing fridge not shown in photos — counted as moderate impact but not critical. Overall cosmetic condition is good and repairs appear minor."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "A circular smoke detector is visible in the living room (good). Front steps have a metal handrail. No exposed wiring or obvious electrical hazards visible from photos; exterior meter and service appear intact. Bathroom and kitchen appear finished and free of visible mold or active leaks. Uncertainties lowering score: carbon monoxide alarm not visible, electrical panel not shown, and bedroom window egress cannot be fully confirmed from exterior photos (some front windows are narrow/high). Entry door hardware (deadbolt) not clearly visible in photos. Because the unit is occupied and shows recent updates, life‑threatening hazards are not apparent but several required items cannot be confirmed remotely."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems",
"score": 65.0,
"rationale": "Major systems are not directly shown. Roof appears aged but intact with no obvious sagging or missing shingles in photos. No HVAC exterior condenser or water heater is visible in provided photos; however the presence of an electric range and updated interior suggests functioning services. Electrical panel, heating/cooling, water heater and plumbing condition are unknown and therefore scored conservatively. No active water intrusion or collapsed ceilings seen, but lack of visible HVAC and system access lowers the score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Yard is mowed and tidy, front walk and driveway are intact though stained. Painted brick exterior looks in good repair, foundation line not showing obvious large cracks from photos. Landscaping is minimal and not obstructive. No visible standing water or obvious drainage issues in the photographed views. Exterior steps and railings present. Overall site shows routine maintenance."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Property is occupied by a long-term tenant and therefore utilities and core systems (electric, water) are active.",
"HVAC and water heater are present and functioning (not visible in photos) because the unit is occupied and interior appears in daily-use condition.",
"Smoke detector visible in living room is functional; additional required smoke/CO detectors may be present but not visible in photos.",
"Bedrooms meet minimum egress requirements unless proven otherwise; front facade windows include some smaller/high windows that may belong to non-bedroom spaces.",
"No active roof leaks or major hidden structural issues are present; roof shows age but no visible sagging or missing large sections.",
"Kitchen appliances include at least a working stove/oven (seen); refrigerator presence not shown and assumed available or easily provided."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this tenant-occupied 3BR/1.5BA ranch presents as a generally well-maintained property with updated interior finishes and sound exterior curb. Primary inspection risks are items not visible in photos: full verification of functioning HVAC and water heater, electrical panel and presence of GFCI protection at wet locations, and adequate bedroom egress windows. Visible safety features include a living-room smoke device and handrails at the front steps. Expect a likely pass after quick verifications/ minor fixes (install/verify GFCIs, confirm smoke/CO detectors in bedrooms, verify deadbolt and HVAC/water heater function). Estimated rent-readiness: minor repairs within 1–4 weeks; budget for system verifications and small corrective items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show a generally well-maintained ranch: recent-looking vinyl plank flooring, painted brick exterior, updated bathroom tile, functioning stove and kitchen cabinetry. Minor cosmetic defects visible: ceiling patching/rippling in the living room, some driveway staining, small landscape wear. No evidence of collapsed ceilings, major water stains, or widespread deferred maintenance. Missing refrigerator not shown but tenant-occupied; missing single appliance would be a moderate deduction only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "Some safety items visible: a round smoke/CO style device is visible in the living area (positive). Front steps have metal handrails. No exposed wiring or obvious structural movement seen. Concerns: kitchen GFCI outlets not visibly present at sink area (risk), bedroom egress windows cannot be confirmed from photos (multiple horizontal windows exist but their size/egress compliance unknown), entry door hardware/deadbolt not clearly visible. Bathroom has a window at tub area (could require tempered glass). Because several required items cannot be confirmed from images, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical",
"score": 60.0,
"rationale": "Electrical service/meter is visible at the side indicating standard utility connection. Appliances shown include an electric range/hood. No HVAC equipment, condenser, water heater, or electrical panel condition is shown — these are critical but not visible. Roof appears aged with dark staining and possible wear but no obvious sagging or missing large sections. Given the age (1959) and visible roof aging, systems score is moderate pending verification of heating/cooling and water heater operation."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior brick and siding are painted and appear intact; yard is mowed and free of debris; driveway is serviceable though stained. Front steps and railings are present and appear secure. No visible foundation cracking, standing water, pest infestation, or major envelope damage in provided photos. Trees close to the roofline may require routine trimming but do not represent immediate failure."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Property is occupied by a long-term tenant as listed; interior photos reflect current lived-in condition.",
"Central HVAC and water heater exist but were not photographed; their operational status is unknown.",
"Electrical meter/service is present (visible) and an electrical panel exists on the property though condition not shown.",
"Kitchen range (electric) is provided; refrigerator is not shown and may be tenant-owned or absent.",
"Smoke detector visible in living room is functional; presence/operation of additional detectors (bedrooms/hall) is not confirmed.",
"GFCI receptacles near kitchen sink and bathroom were not identified in photos and are assumed potentially absent until verified.",
"Bedroom egress compliance (window size and sill height) cannot be confirmed from available photos and is assumed uncertain."
],
"overall_score": 71.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "Overall this 3BR/1.5BA single-family appears reasonably turnkey for Section 8 with mostly cosmetic updates and functioning kitchen/bath fixtures. Likely to pass an initial HCV/NSPIRE inspection after a short verification and small fixes (confirm/install smoke and CO alarms in required locations, verify GFCI in kitchen/bath, repair/patch ceiling, and verify HVAC/electrical/water heater operation). Primary concerns are an aging roof with surface staining and unconfirmed mechanical systems which should be inspected; otherwise no severe structural or life-safety failures are evident in photos. Estimated readiness: minor repairs/verification within 1-4 weeks for inspection readiness.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently updated (vinyl plank flooring, renovated bathroom, painted walls). Kitchen has range/hood and cabinets are intact. Visible issues: a ceiling irregularity/patch in the living area (possible past leak), driveway staining, some cosmetic wear. No major visible deferred maintenance or missing essential appliances (stove present; fridge not pictured but likely). Overall, mostly cosmetic and minor repair items that are easy-to-fix."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life-safety hazards in photos: stairs to front entry have a railing, no exposed wiring visible, bathroom and kitchen appear properly finished. A round device visible on an interior wall/ceiling (likely a smoke detector) but bedroom detectors and CO alarm presence are not confirmed. GFCI protection at kitchen outlets is not visible. Bedroom egress windows not shown. Entry door shows a lockset (deadbolt not clearly confirmed). No signs of severe water intrusion, mold, or structural failure in photos. Because several NSPIRE-required items cannot be visually confirmed, there is moderate inspection risk that will require verification (smoke/CO detectors, GFCI, egress windows, door locking hardware)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Major systems (HVAC, electrical panel, water heater, main plumbing) are not visible in provided photos. Interior finishes suggest recent updates, but the roof shows age and staining which suggests it may be nearer end-of-life. No visible HVAC equipment or exterior condenser photo to confirm. Plumbing fixtures (kitchen sink, bathroom fixtures) appear functional. Because critical systems could not be confirmed from images, assign moderate score and recommend verification of HVAC operation, water heater, electrical panel condition, and roof condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior brick/siding is painted and appears maintained. Yard is mowed and landscaping is minimal but tidy. Driveway is serviceable with surface staining but no major cracking or trip hazards visible. Mature trees are close to the roof (recommended monitoring for gutters/roof debris). No standing water or obvious foundation displacement visible from photos."
}
],
"red_flags": [
"Aging roof with noticeable staining — recommend professional roof inspection (possible near end-of-life).",
"Living-room ceiling irregularity/patch (possible past leak) — requires verification and repair if active.",
"Smoke/CO alarm locations and functionality not fully verified — may require additional devices or relocation to meet NSPIRE.",
"GFCI protection for kitchen/bath outlets not visually confirmed — likely required for inspection and may need retrofit.",
"Mechanical systems (HVAC, water heater, electrical panel) not shown — must be verified operational prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Occupied long-term tenant stated in listing is accurate and indicates recent rental activity.",
"HVAC, water heater, and electrical service are present and functional though not visible in photos (typical for an occupied home of this vintage).",
"The round device visible on an interior wall/ceiling is treated as a smoke detector, but additional detectors and CO alarm locations are assumed missing/unverified until inspected.",
"No active roof leaks or significant structural movement are present; observed ceiling irregularity is assumed to be a cosmetic patch or minor past leak that was repaired.",
"Kitchen refrigerator is present in the unit though not pictured; missing fridge would be a moderate fix rather than an immediate safety failure."
],
"overall_score": 71.0,
"rubric_version": "nsplore-2026-1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "216 Navajo Trl, Birmingham, AL, 35215",
"aggregate": {
"summary": "Based on photos and the listing, this 3BR/1.5BA 1959 home appears generally well-maintained with updated interior finishes, functioning kitchen range, an updated bathroom and tidy exterior. Most issues appear cosmetic or minor (ceiling patch, roof age, driveway staining). Key NSPIRE items that cannot be confirmed from photos are bedroom egress dimensions, presence/operation of HVAC and water heater, location and functionality of the electrical panel, and presence of a carbon monoxide alarm. With targeted verification/repairs on those systems and confirmation of required detectors and egress, the property is likely to pass an initial HCV/NSPIRE inspection with minor work (estimated rent-ready within 2–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Interior and exterior photos show a generally well-maintained home: fresh paint on brick, maintained lawn, new-looking vinyl plank flooring, updated bathroom tile and a functioning electric range. Visible minor issues: small ceiling patch/uneven area in living room ceiling, driveway staining and some exterior roof discoloration. No visible collapsed surfaces or extensive deferred maintenance. Missing fridge not shown in photos — counted as moderate impact but not critical. Overall cosmetic condition is good and repairs appear minor."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Yard is mowed and tidy, front walk and driveway are intact though stained. Painted brick exterior looks in good repair, foundation line not showing obvious large cracks from photos. Landscaping is minimal and not obstructive. No visible standing water or obvious drainage issues in the photographed views. Exterior steps and railings present. Overall site shows routine maintenance."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 68.3,
"rationale": "A circular smoke detector is visible in the living room (good). Front steps have a metal handrail. No exposed wiring or obvious electrical hazards visible from photos; exterior meter and service appear intact. Bathroom and kitchen appear finished and free of visible mold or active leaks. Uncertainties lowering score: carbon monoxide alarm not visible, electrical panel not shown, and bedroom window egress cannot be fully confirmed from exterior photos (some front windows are narrow/high). Entry door hardware (deadbolt) not clearly visible in photos. Because the unit is occupied and shows recent updates, life‑threatening hazards are not apparent but several required items cannot be confirmed remotely."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems",
"score": 61.7,
"rationale": "Major systems are not directly shown. Roof appears aged but intact with no obvious sagging or missing shingles in photos. No HVAC exterior condenser or water heater is visible in provided photos; however the presence of an electric range and updated interior suggests functioning services. Electrical panel, heating/cooling, water heater and plumbing condition are unknown and therefore scored conservatively. No active water intrusion or collapsed ceilings seen, but lack of visible HVAC and system access lowers the score."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Property is occupied by a long-term tenant and therefore utilities and core systems (electric, water) are active.",
"HVAC and water heater are present and functioning (not visible in photos) because the unit is occupied and interior appears in daily-use condition.",
"Smoke detector visible in living room is functional; additional required smoke/CO detectors may be present but not visible in photos.",
"Bedrooms meet minimum egress requirements unless proven otherwise; front facade windows include some smaller/high windows that may belong to non-bedroom spaces.",
"No active roof leaks or major hidden structural issues are present; roof shows age but no visible sagging or missing large sections.",
"Kitchen appliances include at least a working stove/oven (seen); refrigerator presence not shown and assumed available or easily provided."
],
"score_method": "mean_of_criteria",
"overall_score": 71.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7105527464"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.