Property ID: 7107684670
828 Fairfax Dr, Gretna, LA, 70056
Gretna, LA
Money Down: $60,000
CoC Return: 2.17%
Monthly Cash Flow: $108
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$50,000
Closing Costs
$10,000
Total Down
$60,000
Investment Snapshot
Purchase Price
$250,000
Money Down
$60,000
Cash-on-Cash Return
2.17%
Rent
$2,002
Monthly Cash Flow
$108
Annual Cash Flow
$1,300
Debt Service / Mo
$1,331
Property Tax / Mo
$189
Insurance / Mo
$174
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,002
Payment Standard
$2,328
Rent
$2,002
Insurance
$174
Property Tax
$189
Management
$200
Utilities Allowance
$326
NOI (Monthly)
$1,439
Debt Service
$1,331
Cash Flow After Debt
$108
Quality Score: 78.60%
Confidence: 87.00%
This 1979 two-story single-family home appears largely rent-ready for Section 8/HCV with minor to moderate items to confirm and correct. The unit shows solid cosmetic condition, functioning kitchen appliances, intact exterior and usable living spaces. Primary inspection risks to verify/address before lease-up are smoke/CO detectors, GFCI protection in kitchen/baths, presence/condition of HVAC and water heater, and securing visible loose wiring/cords. None of the photos show structural failure, active leaks, standing water, collapsed ceilings, or other life-threatening conditions; with a short checklist and small fixes this property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$326
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$250,000
Beds
4
Baths
2.5
Living Area
2,233 sqft
Lot Size
8,939 sqft
Year Built
1979
Days on Market
106
Capital Outlay
$60,000
Debt Service
$1,331
Property Tax / Mo
$189
Insurance / Mo
$174
Property Description
This classic 2-story traditional, 4-bed 2.5-bath single-family home offers timeless charm, modern convenience, and an unbeatable location. With an attached 2-car garage and thoughtfully designed spaces, this home is perfect for making lifelong memories. Formal living and dining rooms provide the perfect setting for entertaining and family gatherings. A spacious kitchen opens to a large den/family room, offering a seamless layout for everyday living. 4 generously sized bedrooms ensure plenty of space for everyone. Enjoy the inviting covered back porch-ideal for relaxing or hosting outdoor get-togethers.
Utility Allowances
Heating (Natural Gas)
$79
Property has central heating and is listed as having 'Gas: Natural'. Chosen 'natural_gas' from the schedule.
Cooking (Natural Gas)
$14
Property has a 'Range/Oven' and 'Gas: Natural'. Chosen 'natural_gas' from the schedule.
Water Heating (Natural Gas)
$27
Property is supplied with 'Gas: Natural', which is the most likely and cost-effective fuel source for water heating. Chosen 'natural_gas' from the schedule.
Other Electric
$77
Standard fixed allowance for lights, tenant appliances (like the unlisted refrigerator), and other electrical needs in a 4-bedroom home.
Water
$50
Property information explicitly states 'Water Source: Public'.
Sewer
$54
Property information explicitly states 'Sewer: City'.
Trash Collection
$25
Included as a standard municipal service for a single-family detached home.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$2,088
DP3 Annual Estimate$2,088
DP1 Monthly Equivalent$174
DP3 Monthly Equivalent$174
Replacement Value$134,200
Basis2,233 sqft / 1979
Nearby Houses
Photo unavailable
844 Fairfax Dr
sold · 0.05 mi
Price: $255,000
4 bd / 3 ba · 2,386 sqft
Latest sale: —
Latest rent: —
Photo unavailable
912 E Monterey Ct Apt A
off_market · 0.13 mi
Price: $1,550
3 bd / 2 ba · 1,400 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2904 N Monterey Ct
for_sale · 0.13 mi
Price: $387,900
12 bd / 10 ba · 5,800 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2904 N Monterey Ct
off_market · 0.14 mi
Price: $395,000
— bd / — ba · 5,800 sqft
Latest sale: —
Latest rent: —
Photo unavailable
916 E Monterey Ct Apt D
off_market · 0.14 mi
Price: $1,700
4 bd / 3 ba · 1,500 sqft
Latest sale: —
Latest rent: $1,700 on Jul 25, 2025
Photo unavailable
905 W Monterey Ct Apt D
off_market · 0.15 mi
Price: $1,700
4 bd / 3 ba · 1,500 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE requires functioning smoke detectors).
- GFCI protection in kitchen and bathrooms not visible/verified in photos.
- Visible exposed TV/power cords along baseboard/wall in multiple rooms that should be secured to reduce trip/electrical hazards.
Assumptions
- Smoke detectors and carbon monoxide detectors are not visible in provided photos and are assumed absent/unverified — must be installed/verified per NSPIRE.
- Electrical panel, water heater, HVAC equipment and their service condition are not shown; assumed functional but age/condition unknown and should be verified with service records or inspection.
- Interior stairs and handrails (to second floor) are present and in serviceable condition though not pictured; no visible evidence of unsafe stairs.
- Kitchen and bathroom GFCI protection is not visible in photos; assume likely not confirmed and needs verification/installation if missing.
- No signs of major roof leaks, foundation movement or mold were visible in the photos; assumed absent but should be verified during inspection.
- Appliances shown in photos (fridge, range, microwave) are assumed working unless testing shows otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,200 | $165,400 | $16,540 |
| 2024 | $2,194 | $165,400 | $16,540 |
| 2023 | $2,048 | $156,700 | $15,670 |
| 2022 | $1,996 | $156,700 | $15,670 |
| 2021 | $1,881 | $156,700 | $15,670 |
| 2020 | $1,868 | $156,700 | $15,670 |
| 2019 | $1,916 | $156,700 | $15,670 |
| 2018 | $1,790 | $156,700 | $15,670 |
| 2017 | $1,715 | $156,700 | $15,670 |
| 2016 | $1,681 | $156,700 | $15,670 |
| 2015 | $1,722 | $156,700 | $15,670 |
| 2014 | $1,701 | $156,700 | $15,670 |
| 2013 | $1,644 | $156,700 | $15,670 |
| 2012 | $857 | $156,700 | $15,670 |
| 2011 | $872 | $158,100 | $15,810 |
| 2010 | $1,619 | $158,100 | $15,810 |
| 2009 | $1,619 | $158,100 | $15,810 |
| 2008 | $842 | — | $15,810 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-12 | Price Changed | $250,000 |
| 2026-02-04 | Price Changed | $269,900 |
| 2025-12-23 | Listed | $275,000 |
| 2017-11-13 | Sold | $0 |
| 2017-09-26 | Listing removed | $182,500 |
| 2017-09-22 | Listed | $182,500 |
| 1979-11-01 | Sold | $0 |
Photo Gallery
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"assessment": {
"land": 2570,
"total": 15670,
"building": 13100
}
},
{
"tax": 1644,
"year": 2013,
"market": {
"land": 25700,
"total": 156700,
"building": 131000
},
"assessment": {
"land": 2570,
"total": 15670,
"building": 13100
}
},
{
"tax": 857,
"year": 2012,
"market": {
"land": 25700,
"total": 156700,
"building": 131000
},
"assessment": {
"land": 2570,
"total": 15670,
"building": 13100
}
},
{
"tax": 872,
"year": 2011,
"market": {
"land": 25700,
"total": 158100,
"building": 132400
},
"assessment": {
"land": 2570,
"total": 15810,
"building": 13240
}
},
{
"tax": 1619,
"year": 2010,
"market": {
"land": 25700,
"total": 158100,
"building": 132400
},
"assessment": {
"land": 2570,
"total": 15810,
"building": 13240
}
},
{
"tax": 1619,
"year": 2009,
"market": {
"land": 25700,
"total": 158100,
"building": 132400
},
"assessment": {
"land": 2570,
"total": 15810,
"building": 13240
}
},
{
"tax": 842,
"year": 2008,
"market": null,
"assessment": {
"land": null,
"total": 15810,
"building": null
}
}
],
"property_history": [
{
"date": "2026-03-12",
"price": 250000,
"listing": {
"status": "for_sale",
"list_date": "2025-12-23T21:35:29Z",
"list_price": 250000,
"listing_id": "2989709660",
"last_update_date": "2026-03-24T13:29:58Z",
"last_status_change_date": "2026-03-24T18:30:21Z"
},
"event_name": "Price Changed",
"price_sqft": 111.95700850873264,
"source_name": "NewOrleans",
"price_change": -19900,
"days_after_listed": null,
"source_listing_id": "2535508",
"price_change_percentage": null
},
{
"date": "2026-02-04",
"price": 269900,
"listing": {
"status": "for_sale",
"list_date": "2025-12-23T21:35:29Z",
"list_price": 250000,
"listing_id": "2989709660",
"last_update_date": "2026-03-24T13:29:58Z",
"last_status_change_date": "2026-03-24T18:30:21Z"
},
"event_name": "Price Changed",
"price_sqft": 120.86878638602776,
"source_name": "NewOrleans",
"price_change": -5100,
"days_after_listed": null,
"source_listing_id": "2535508",
"price_change_percentage": null
},
{
"date": "2025-12-23",
"price": 275000,
"listing": {
"status": "for_sale",
"list_date": "2025-12-23T21:35:29Z",
"list_price": 250000,
"listing_id": "2989709660",
"last_update_date": "2026-03-24T13:29:58Z",
"last_status_change_date": "2026-03-24T18:30:21Z"
},
"event_name": "Listed",
"price_sqft": 123.15270935960591,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2535508",
"price_change_percentage": null
},
{
"date": "2017-11-13",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2017-09-26",
"price": 182500,
"listing": {
"status": "off_market",
"list_date": "2017-09-22T07:00:00Z",
"list_price": 182500,
"listing_id": "625650995",
"last_update_date": "2017-11-10T22:22:16Z",
"last_status_change_date": "2017-11-09T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 76.48784576697402,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": "4 days",
"source_listing_id": "2124571",
"price_change_percentage": null
},
{
"date": "2017-09-22",
"price": 182500,
"listing": {
"status": "off_market",
"list_date": "2017-09-22T07:00:00Z",
"list_price": 182500,
"listing_id": "625650995",
"last_update_date": "2017-11-10T22:22:16Z",
"last_status_change_date": "2017-11-09T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 76.48784576697402,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2124571",
"price_change_percentage": null
},
{
"date": "1979-11-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"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": "7107684670",
"generated_at": "2026-03-27T17:05:30.078155Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 78.6
},
"utility_allowance": {
"zip_code": "70056",
"home_photo": "https://ap.rdcpix.com/a61581b9c97a5a031889235281e35a21l-m3328298037s-w1280.jpg",
"rent_price": 2002.0,
"loan_amount": 200000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/828-Fairfax-Dr_Gretna_LA_70056_M71076-84670",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 250000.0,
"loan_term_years": 30,
"annual_cash_flow": 17267.6,
"mortgage_monthly": 1330.6,
"payment_standard": 2328.0,
"total_amount_out": 50000.0,
"additional_photos": [
"https://ap.rdcpix.com/a61581b9c97a5a031889235281e35a21l-m3042119445s-w1280.jpg",
"https://ap.rdcpix.com/a61581b9c97a5a031889235281e35a21l-m2347609806s-w1280.jpg",
"https://ap.rdcpix.com/a61581b9c97a5a031889235281e35a21l-m943796738s-w1280.jpg",
"https://ap.rdcpix.com/a61581b9c97a5a031889235281e35a21l-m2306570879s-w1280.jpg",
"https://ap.rdcpix.com/a61581b9c97a5a031889235281e35a21l-m1792326102s-w1280.jpg",
"https://ap.rdcpix.com/a61581b9c97a5a031889235281e35a21l-m2895064606s-w1280.jpg",
"https://ap.rdcpix.com/a61581b9c97a5a031889235281e35a21l-m3288750704s-w1280.jpg",
"https://ap.rdcpix.com/a61581b9c97a5a031889235281e35a21l-m3292597309s-w1280.jpg",
"https://ap.rdcpix.com/a61581b9c97a5a031889235281e35a21l-m2340209650s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 174.0,
"monthly_cash_flow": 1438.97,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating and is listed as having 'Gas: Natural'. Chosen 'natural_gas' from the schedule.",
"utility": "Heating (Natural Gas)",
"allowance": 79
},
{
"note": "Property has a 'Range/Oven' and 'Gas: Natural'. Chosen 'natural_gas' from the schedule.",
"utility": "Cooking (Natural Gas)",
"allowance": 14
},
{
"note": "Property is supplied with 'Gas: Natural', which is the most likely and cost-effective fuel source for water heating. Chosen 'natural_gas' from the schedule.",
"utility": "Water Heating (Natural Gas)",
"allowance": 27
},
{
"note": "Standard fixed allowance for lights, tenant appliances (like the unlisted refrigerator), and other electrical needs in a 4-bedroom home.",
"utility": "Other Electric",
"allowance": 77
},
{
"note": "Property information explicitly states 'Water Source: Public'.",
"utility": "Water",
"allowance": 50
},
{
"note": "Property information explicitly states 'Sewer: City'.",
"utility": "Sewer",
"allowance": 54
},
{
"note": "Included as a standard municipal service for a single-family detached home.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.35,
"down_payment_amount": 50000.0,
"property_tax_annual": 2266.0,
"property_tax_monthly": 188.83,
"property_tax_increase": 0.03,
"utility_allowance_total": 326.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 1300.34,
"property_management_monthly": 200.2,
"monthly_cash_flow_after_debt": 108.36,
"cash_on_cash_return_after_debt": 0.03
},
"section8_assessment": {
"runs": [
{
"summary": "This 1979 two-story single-family home appears largely rent-ready for Section 8/HCV with minor to moderate items to confirm and correct. The unit shows solid cosmetic condition, functioning kitchen appliances, intact exterior and usable living spaces. Primary inspection risks to verify/address before lease-up are smoke/CO detectors, GFCI protection in kitchen/baths, presence/condition of HVAC and water heater, and securing visible loose wiring/cords. None of the photos show structural failure, active leaks, standing water, collapsed ceilings, or other life-threatening conditions; with a short checklist and small fixes this property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained, updated home: new-looking driveway, intact roofline, brick front, fresh paint, modern tile/wood-look floors and ceiling fans. Kitchen contains fridge, stove and microwave and looks functional. Cosmetic wear noted in at least one bathroom vanity (chipped paint) and older bathroom flooring; some baseboard scuffs and exposed cords behind wall-mounted TVs. These are largely cosmetic or easy-to-fix items and would not by themselves cause a catastrophic score reduction."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 72.0,
"rationale": "No visible smoke detectors or CO detectors in photos (required). Bedrooms show adequate egress windows and doors to exterior appear operable (French doors from family room). No obvious exposed high-voltage wiring, sagging ceilings, collapsed ceilings, or standing water visible. There are visible low-risk exposed TV/power cords and the kitchen sink/GFCI outlets are not visible in photos (GFCI compliance unknown). Entry security hardware (deadbolt) not visible in images. Plumbing fixtures and faucets appear present; hot water system not shown. Overall some code items (smoke detectors, GFCI verification, deadbolt) need confirmation/installation but no visible life-threatening hazards in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 75.0,
"rationale": "Photos show HVAC supply/registers and ceiling fans suggesting an active HVAC system; no visible distress to roof, soffits or gutters and exterior looks watertight from street view. Kitchen appliances (fridge, range, microwave) are present and appear recent. Water heater, electrical panel, furnace/AC equipment not shown so age/condition unknown. No visible water stains or signs of active leaks. Based on visible condition the major systems present a moderate-to-low risk but require verification (water heater, panel, HVAC service records)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 90.0,
"rationale": "Exterior photos show a tidy, maintained yard, two-car garage, solid front porch, intact siding/brick and a level concrete driveway and walkway. No visible foundation cracks, standing water, severe drainage issues or exterior structural distress. Fencing and backyard covered porch visible and appear serviceable. Overall low exterior risk."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE requires functioning smoke detectors).",
"GFCI protection in kitchen and bathrooms not visible/verified in photos.",
"Visible exposed TV/power cords along baseboard/wall in multiple rooms that should be secured to reduce trip/electrical hazards."
],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in provided photos and are assumed absent/unverified — must be installed/verified per NSPIRE.",
"Electrical panel, water heater, HVAC equipment and their service condition are not shown; assumed functional but age/condition unknown and should be verified with service records or inspection.",
"Interior stairs and handrails (to second floor) are present and in serviceable condition though not pictured; no visible evidence of unsafe stairs.",
"Kitchen and bathroom GFCI protection is not visible in photos; assume likely not confirmed and needs verification/installation if missing.",
"No signs of major roof leaks, foundation movement or mold were visible in the photos; assumed absent but should be verified during inspection.",
"Appliances shown in photos (fridge, range, microwave) are assumed working unless testing shows otherwise."
],
"overall_score": 80.0,
"rubric_version": "2026-03-27_v1"
},
{
"summary": "Based on photos and listing information, the property appears to be in overall good condition and would likely pass an initial HCV/NSPIRE inspection after standard verification and a short punch list. Primary issues to confirm before inspection are presence and operation of smoke and carbon monoxide detectors, presence of GFCI protection in kitchen/baths, and operation/status of mechanical systems (HVAC, water heater, electrical panel). Observable issues are mostly cosmetic and easily remediable (bathroom vanity finish, minor trim/paint touch-ups).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 78.0,
"rationale": "Interior finishes are generally in good condition with updated flooring in main living areas, functioning kitchen appliances visible (refrigerator, stove, microwave) and intact windows/doors. Observable deferred items are cosmetic: chipping/peeling paint on a bathroom vanity, older bathroom floor covering, and normal wear around trim/baseboards. No evidence of collapsed ceilings, major water stains, or large-scale deferred maintenance in photos. Missing small items (outlet covers, minor trim touch-up) are likely but easily fixed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, standing water, visible major electrical shorts, or open subfloor). Bedrooms show windows adequate for egress in photos. Entry door appears secure and garage doors present. However smoke and carbon monoxide detectors are not visible in imagery and must be confirmed (NSPIRE requires smoke detectors on each level and outside sleeping areas; CO where required). GFCI receptacles in kitchen/baths are not visible in photos and therefore an inspection risk. Some exposed low-voltage/cable cords are visible but not permanent hazards. Because the major hazards are not evident but critical safety devices are unconfirmed, score reflects moderate risk pending verification."
},
{
"key": "systems_mechanical",
"label": "Major systems: HVAC, electrical, plumbing, roof",
"score": 70.0,
"rationale": "Evidence of central HVAC vents in living spaces suggests a central system is present. Kitchen appliances are present and appear functional. Roof looks intact from front elevation with no obvious sagging or missing shingles. Water heater, electrical panel, and mechanical equipment are not shown; plumbing fixtures appear to function in photos (no visible leaks or water stains). Because key system components (panel, water heater, furnace/AC condensing unit) are not photographed, a moderate score is assigned with recommendation to verify operation and service history before inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and curb appeal",
"score": 85.0,
"rationale": "Exterior brick and siding appear in good condition, driveway and two-car garage are sound and free of major cracks, yard is maintained and grade appears to drain away from the house. Covered back porch visible in listing text. No visible foundation displacement, major vegetation damage, or pest/infestation signs. Curb appeal is strong which reduces risk for exterior inspection items."
}
],
"red_flags": [
"Smoke and carbon-monoxide detectors not visible in photos — verification required (NSPIRE critical item).",
"GFCI protection in kitchen/bath not visible in photos — verify and install if missing."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC exists and is operational (vent registers visible in interior photos).",
"Hot water and plumbing are functional; no visible active leaks or water stains inside.",
"Electrical service and panel are intact but not visible in photos; no obvious exposed live wiring is present in living spaces.",
"Bedrooms have required egress windows (windows shown in bedroom photos appear to be code-size but not measured).",
"Smoke detectors and carbon monoxide detectors are not visible in the photos; assume they may be present but must be verified and likely updated/relocated to meet NSPIRE layout requirements.",
"GFCI protection in kitchen and bathrooms is not visible in photos and must be verified; older outlets may need upgrades.",
"Roof appears intact from frontal view; attic condition and full roof age/remaining life unknown.",
"No concealed structural issues are present; photos show no sagging, major foundation cracks, or ceiling failure — this is an inference based on visible condition."
],
"overall_score": 75.0,
"rubric_version": "ns-pv1.0-2026-03"
},
{
"summary": "Based on listing photos and description, this 4-bed, 2.5-bath single-family appears near rent-ready for Section 8; most issues are cosmetic or verification items. Primary concerns to confirm before inspection are presence/function of smoke and CO detectors, GFCI protection at kitchen/baths, and verification of HVAC, water heater, and electrical panel condition. If detectors or GFCIs are missing, those are quick fixes. No visible major structural, roof, or mold issues in the photos provided.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show generally well-maintained cosmetic condition: consistent paint, updated-looking flooring, functioning doors/windows, and kitchen appliances (refrigerator, range, microwave) visible. Minor deferred maintenance observed: bathroom vanity paint/chipping, some wear on cabinet finishes and an older bathroom floor covering. No visible major damage (no collapsed ceilings, exposed subfloor, or severe water staining). Missing small cosmetic touch-ups and cabinet refinishing are easy-to-fix capital items and should not prevent leasing."
},
{
"key": "safety_code",
"label": "Safety / Code Risks",
"score": 75.0,
"rationale": "No visible active life-safety hazards in photos (no sagging floors/ceilings, no visible mold, no standing water). Bedrooms show windows that likely meet egress. However several NSPIRE items are not visible: smoke detectors/carbon monoxide alarms are not shown, GFCI protection at kitchen/bath outlets cannot be confirmed, and the main electrical panel/deadbolt on entry are not pictured. Visible electrical cords (TV) are present but outlets and covers appear intact. Given overall upkeep, it’s reasonable to expect detectors are present but must be verified prior to inspection. This generates moderate compliance risk that is usually correctable quickly (install/replace detectors, add GFCI)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 75.0,
"rationale": "Major systems show reasonable indications of being present and maintained: HVAC supply registers and ceiling fans are visible, and kitchen appliances are installed. Roof appears intact from front elevation with no visible sag or missing shingles. Water heater, HVAC equipment, electrical panel, and plumbing serviceability are not shown — given the house age (1979) but recent interior updates, expect mid-life systems that may require routine servicing. No visible pipe leaks or active water intrusion. Risk moderate but not indicating immediate failure; recommend confirming HVAC function, water heater age, and electrical panel condition before lease."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 88.0,
"rationale": "Exterior photos show well-kept brick/siding, a covered front porch, two-car attached garage, and a newly poured or well-maintained concrete driveway. Yard is level and free of obvious trip hazards or erosion; fence visible in backyard. No visible significant exterior deterioration, foundation cracking, or standing water. Roof appears in reasonable condition from the supplied front view. Overall low risk from the site/exterior perspective."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be present but must be verified/installed if absent.",
"Electrical panel, water heater, HVAC equipment and their serviceability are not shown; assume systems are operational but potentially mid-life given house age (1979) and should be confirmed.",
"Bedrooms have adequate egress via visible windows; assume window size/egress meets local code but recommend field measurement verification.",
"Kitchen and primary appliances shown (fridge, stove, microwave) are functional; washer/dryer not shown and are not required for Section 8 pass if hookups are present.",
"No active roof leaks or foundation movement are visible from provided photos; assume none present but recommend on-site roof and foundation check because photos show only front elevation.",
"No evidence of lead-based paint hazards is visible; given year built (1979) assume potential for lead in older components and recommend testing/lead disclosures if required by local/state rules."
],
"overall_score": 81.0,
"rubric_version": "nsPIRE-v1.0-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "828 Fairfax Dr, Gretna, LA, 70056",
"aggregate": {
"summary": "This 1979 two-story single-family home appears largely rent-ready for Section 8/HCV with minor to moderate items to confirm and correct. The unit shows solid cosmetic condition, functioning kitchen appliances, intact exterior and usable living spaces. Primary inspection risks to verify/address before lease-up are smoke/CO detectors, GFCI protection in kitchen/baths, presence/condition of HVAC and water heater, and securing visible loose wiring/cords. None of the photos show structural failure, active leaks, standing water, collapsed ceilings, or other life-threatening conditions; with a short checklist and small fixes this property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 82.7,
"rationale": "Interior and exterior photos show a well-maintained, updated home: new-looking driveway, intact roofline, brick front, fresh paint, modern tile/wood-look floors and ceiling fans. Kitchen contains fridge, stove and microwave and looks functional. Cosmetic wear noted in at least one bathroom vanity (chipped paint) and older bathroom flooring; some baseboard scuffs and exposed cords behind wall-mounted TVs. These are largely cosmetic or easy-to-fix items and would not by themselves cause a catastrophic score reduction."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 87.7,
"rationale": "Exterior photos show a tidy, maintained yard, two-car garage, solid front porch, intact siding/brick and a level concrete driveway and walkway. No visible foundation cracks, standing water, severe drainage issues or exterior structural distress. Fencing and backyard covered porch visible and appear serviceable. Overall low exterior risk."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 72.3,
"rationale": "No visible smoke detectors or CO detectors in photos (required). Bedrooms show adequate egress windows and doors to exterior appear operable (French doors from family room). No obvious exposed high-voltage wiring, sagging ceilings, collapsed ceilings, or standing water visible. There are visible low-risk exposed TV/power cords and the kitchen sink/GFCI outlets are not visible in photos (GFCI compliance unknown). Entry security hardware (deadbolt) not visible in images. Plumbing fixtures and faucets appear present; hot water system not shown. Overall some code items (smoke detectors, GFCI verification, deadbolt) need confirmation/installation but no visible life-threatening hazards in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 73.3,
"rationale": "Photos show HVAC supply/registers and ceiling fans suggesting an active HVAC system; no visible distress to roof, soffits or gutters and exterior looks watertight from street view. Kitchen appliances (fridge, range, microwave) are present and appear recent. Water heater, electrical panel, furnace/AC equipment not shown so age/condition unknown. No visible water stains or signs of active leaks. Based on visible condition the major systems present a moderate-to-low risk but require verification (water heater, panel, HVAC service records)."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE requires functioning smoke detectors).",
"GFCI protection in kitchen and bathrooms not visible/verified in photos.",
"Visible exposed TV/power cords along baseboard/wall in multiple rooms that should be secured to reduce trip/electrical hazards."
],
"confidence": 0.87,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in provided photos and are assumed absent/unverified — must be installed/verified per NSPIRE.",
"Electrical panel, water heater, HVAC equipment and their service condition are not shown; assumed functional but age/condition unknown and should be verified with service records or inspection.",
"Interior stairs and handrails (to second floor) are present and in serviceable condition though not pictured; no visible evidence of unsafe stairs.",
"Kitchen and bathroom GFCI protection is not visible in photos; assume likely not confirmed and needs verification/installation if missing.",
"No signs of major roof leaks, foundation movement or mold were visible in the photos; assumed absent but should be verified during inspection.",
"Appliances shown in photos (fridge, range, microwave) are assumed working unless testing shows otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 78.6,
"rubric_version": "2026-03-27_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7107684670"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.