Property ID: 7111212706
3921 Rutledge Ave SW, Birmingham, AL, 35221
Birmingham, AL
Money Down: $27,600
CoC Return: 6.07%
Monthly Cash Flow: $140
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Investment Snapshot
Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
6.07%
Rent
$1,050
Monthly Cash Flow
$140
Annual Cash Flow
$1,675
Debt Service / Mo
$612
Property Tax / Mo
$114
Insurance / Mo
$79
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,050
Payment Standard
$1,518
Rent
$1,050
Insurance
$79
Property Tax
$114
Management
$105
Utilities Allowance
$468
NOI (Monthly)
$752
Debt Service
$612
Cash Flow After Debt
$140
Quality Score: 76.50%
Confidence: 92.00%
Overall the property appears largely renovated and move-in ready with clean, updated interiors, functioning kitchen appliances visible, and intact exterior envelope. The likely inspections risks are missing/undocumented life-safety devices (smoke and CO detectors), unclear presence of GFCI protection in kitchen/bath, and lack of photographed mechanicals (HVAC, water heater, electrical panel) which require testing/documentation. These items are fixable within a short scope of work (install detectors, confirm/upgrade GFCI, test systems), so the home is likely rent-ready within 2–4 weeks if systems test OK.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$468
Guaranteed Section 8 Rent (PS - Utilities)
$1,050
Property Management
$105
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,000
Beds
3
Baths
2
Living Area
1,440 sqft
Lot Size
5,227 sqft
Year Built
1953
Days on Market
34
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$114
Insurance / Mo
$79
Property Description
Renovated and move-in ready 3BR/2BA single-family home with a spacious, functional layout throughout. The home offers generous room sizes, solid updates, and a clean, well-maintained interior. Features include a fenced backyard with an open deck overlooking the yard, off-street parking, and strong overall usability. A great option for investors looking to add a renovated single-family asset in an established Birmingham location.
Utility Allowances
Heating
$38
Selected 'N'Gas: Spire' for a 3-bedroom unit. Property details specify natural gas heating, and Spire is a primary provider in the area.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has central A/C, which is electric, and Alabama Power is the primary electric provider.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details list an 'Stove-Electric', and Alabama Power is the primary electric provider.
Water Heater
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details list an 'Electric Water Heater', and Alabama Power is the primary electric provider.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit. Property is located within Birmingham and uses public water.
Sewer
$151
Selected the fixed allowance for a 3-bedroom unit. Property details confirm it is 'Sewer Connected'.
Trash Collection
$20
Selected 'Jefferson City (Once per week)' for a 3-bedroom unit as the most appropriate general option for a property within Birmingham/Jefferson County.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity for lights and other tenant appliances.
Refrigerator
$8
Selected the fixed allowance for a 3-bedroom unit. The refrigerator is assumed to be tenant-owned as it was not explicitly listed as a provided appliance.
Range/Microwave
$6
Selected the fixed allowance for a 3-bedroom unit. A microwave is assumed to be tenant-owned as it was not listed as a provided appliance.
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$798
DP3 Annual Estimate$1,106
DP1 Monthly Equivalent$66
DP3 Monthly Equivalent$92
Replacement Value$102,100
Basis1,440 sqft / 1953
Nearby Houses
Photo unavailable
3917 Rutledge Dr
sold · 0.02 mi
Price: $7,000
3 bd / 1 ba · 948 sqft
Latest sale: $7,000
Latest rent: —
Photo unavailable
3917 Mineral Ave SW
sold · 0.04 mi
Price: $500
3 bd / 2 ba · 1,447 sqft
Latest sale: $500 on Mar 09, 2022
Latest rent: —
Photo unavailable
3907 Rutledge Ave SW Lot 15
off_market · 0.04 mi
Price: $13,499
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
3925 Viola Ave SW
sold · 0.06 mi
Price: $65,900
3 bd / 1 ba · 1,270 sqft
Latest sale: $65,900
Latest rent: —
Photo unavailable
3921 Viola Ave SW
for_sale · 0.06 mi
Price: $90,000
3 bd / 1 ba · 1,118 sqft
Latest sale: $42,000 on Mar 19, 2014
Latest rent: —
Photo unavailable
3745 Rutledge Ave SW
sold · 0.07 mi
Price: $19,000
4 bd / 2 ba · 1,280 sqft
Latest sale: $19,000 on Sep 26, 2018
Latest rent: —
Photo unavailable
3748 SW George Ave
sold · 0.11 mi
Price: $47,000
3 bd / 1 ba · 972 sqft
Latest sale: $47,000 on Dec 31, 2024
Latest rent: $1,150 on May 13, 2025
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors in photos (required by NSPIRE).
- No visible GFCI outlets/markers in kitchen and bathrooms in photos; GFCI protection may be missing.
- HVAC, water heater and electrical panel not photographed — operational status unconfirmed (inspection required).
- House built in 1953: potential lead-based paint hazard for units where children under 6 may be present; lead-risk precautions should be considered.
- Ceiling surface irregularities/patches visible in multiple rooms — should be inspected for prior or hidden water intrusion.
Assumptions
- Central HVAC is present and operable (floor registers visible) though no HVAC unit photo was provided.
- Water heater and electrical panel exist on site but were not photographed; their condition is unknown and assumed serviceable unless testing shows otherwise.
- Appliances shown (stove, refrigerator) are functional; the stove is electric (coil elements visible) limiting immediate CO risk from heating appliances.
- No active roof leaks or major structural movement exist beyond minor ceiling surface irregularities visible; ceiling issues are assumed cosmetic/old patches unless inspection reveals current leaks.
- Bedrooms have adequate egress (windows shown) and window sizes meet egress requirements — exact measurements not provided.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,328 | $110,000 | $19,600 |
| 2023 | $978 | $67,500 | $13,500 |
| 2022 | $739 | $51,000 | $10,200 |
| 2021 | $739 | $51,000 | $10,200 |
| 2020 | $739 | $51,000 | $10,200 |
| 2019 | $845 | $58,300 | $11,660 |
| 2018 | $719 | $49,600 | $9,920 |
| 2017 | $719 | $49,600 | $9,920 |
| 2016 | $719 | $49,600 | $9,920 |
| 2015 | $580 | $40,000 | $8,000 |
| 2013 | $562 | $39,400 | $7,880 |
| 2012 | $212 | $14,180 | $2,836 |
| 2011 | $213 | $14,300 | $2,860 |
| 2010 | $839 | $59,300 | $11,860 |
| 2009 | $839 | $59,300 | $11,860 |
| 2008 | $858 | $60,700 | $12,140 |
| 2007 | $839 | $59,300 | $11,860 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-10-21 | Sold | $90,000 |
Photo Gallery
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"last_status_change_date": "2013-08-11T12:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -1300,
"days_after_listed": null,
"source_listing_id": "545184",
"price_change_percentage": null
},
{
"date": "2012-10-11",
"price": 55300,
"listing": {
"status": "off_market",
"list_date": "2012-10-11T07:00:00Z",
"list_price": 51000,
"listing_id": "557190195",
"last_update_date": "2013-08-11T12:00:00Z",
"last_status_change_date": "2013-08-11T12:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "545184",
"price_change_percentage": "+72.81%"
},
{
"date": "2007-01-22",
"price": 32000,
"listing": {
"status": "sold",
"list_date": "2006-09-22T07:00:00Z",
"list_price": 32400,
"listing_id": "542182623",
"last_update_date": "2007-11-08T21:05:18Z",
"last_status_change_date": "2007-01-22T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -400,
"days_after_listed": "122 days",
"source_listing_id": "314413",
"price_change_percentage": "-1.23%"
},
{
"date": "2006-09-22",
"price": 32400,
"listing": {
"status": "sold",
"list_date": "2006-09-22T07:00:00Z",
"list_price": 32400,
"listing_id": "542182623",
"last_update_date": "2007-11-08T21:05:18Z",
"last_status_change_date": "2007-01-22T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "314413",
"price_change_percentage": "-35.07%"
},
{
"date": "1996-05-21",
"price": 49900,
"listing": null,
"event_name": "Sold",
"price_sqft": 39.47784810126582,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Feb 20, 2012",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Hvac",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Building permit",
"permit_effective_date": "Feb 17, 2012",
"permit_project_type_1": "Residential",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Gas permit",
"permit_effective_date": "Feb 2, 2011",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Aug 10, 1993",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Mechanical permit",
"permit_effective_date": "Aug 5, 1993",
"permit_project_type_1": "Hvac",
"permit_project_type_2": "Mechanical work",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Gas permit",
"permit_effective_date": "Aug 5, 1993",
"permit_project_type_1": "Hvac",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "plumbing permit",
"permit_effective_date": "Jul 6, 1993",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": "Sewer laterals",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Jul 2, 1993",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Building permit",
"permit_effective_date": "Jun 21, 1993",
"permit_project_type_1": "Doors and windows",
"permit_project_type_2": "Roofing",
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "7111212706",
"generated_at": "2026-02-16T03:22:06.935147Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 76.5
},
"utility_allowance": {
"zip_code": "35221",
"home_photo": "https://ap.rdcpix.com/c03ea03a6aaa4e19167970a9588fdecal-m2456563172s-w1280.jpg",
"rent_price": 1050.0,
"loan_amount": 92000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3921-Rutledge-Ave-SW_Birmingham_AL_35221_M71112-12706",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 115000.0,
"loan_term_years": 30,
"annual_cash_flow": 9020.16,
"mortgage_monthly": 612.08,
"payment_standard": 1518.0,
"total_amount_out": 23000.0,
"additional_photos": [
"https://ap.rdcpix.com/c03ea03a6aaa4e19167970a9588fdecal-m1922349086s-w1280.jpg",
"https://ap.rdcpix.com/c03ea03a6aaa4e19167970a9588fdecal-m1580392953s-w1280.jpg",
"https://ap.rdcpix.com/c03ea03a6aaa4e19167970a9588fdecal-m2289853661s-w1280.jpg",
"https://ap.rdcpix.com/c03ea03a6aaa4e19167970a9588fdecal-m1942773474s-w1280.jpg",
"https://ap.rdcpix.com/c03ea03a6aaa4e19167970a9588fdecal-m1898892335s-w1280.jpg",
"https://ap.rdcpix.com/c03ea03a6aaa4e19167970a9588fdecal-m1166445590s-w1280.jpg",
"https://ap.rdcpix.com/c03ea03a6aaa4e19167970a9588fdecal-m1456697296s-w1280.jpg",
"https://ap.rdcpix.com/c03ea03a6aaa4e19167970a9588fdecal-m3776661201s-w1280.jpg",
"https://ap.rdcpix.com/c03ea03a6aaa4e19167970a9588fdecal-m1724645391s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 79.33,
"monthly_cash_flow": 751.68,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'N'Gas: Spire' for a 3-bedroom unit. Property details specify natural gas heating, and Spire is a primary provider in the area.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has central A/C, which is electric, and Alabama Power is the primary electric provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details list an 'Stove-Electric', and Alabama Power is the primary electric provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details list an 'Electric Water Heater', and Alabama Power is the primary electric provider.",
"utility": "Water Heater",
"allowance": 56
},
{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit. Property is located within Birmingham and uses public water.",
"utility": "Water",
"allowance": 78
},
{
"note": "Selected the fixed allowance for a 3-bedroom unit. Property details confirm it is 'Sewer Connected'.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Jefferson City (Once per week)' for a 3-bedroom unit as the most appropriate general option for a property within Birmingham/Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity for lights and other tenant appliances.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Selected the fixed allowance for a 3-bedroom unit. The refrigerator is assumed to be tenant-owned as it was not explicitly listed as a provided appliance.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Selected the fixed allowance for a 3-bedroom unit. A microwave is assumed to be tenant-owned as it was not listed as a provided appliance.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.39,
"down_payment_amount": 23000.0,
"property_tax_annual": 1367.84,
"property_tax_monthly": 113.99,
"property_tax_increase": 0.03,
"utility_allowance_total": 468.0,
"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": 1675.22,
"property_management_monthly": 105.0,
"monthly_cash_flow_after_debt": 139.6,
"cash_on_cash_return_after_debt": 0.07
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears largely renovated and move-in ready with clean, updated interiors, functioning kitchen appliances visible, and intact exterior envelope. The likely inspections risks are missing/undocumented life-safety devices (smoke and CO detectors), unclear presence of GFCI protection in kitchen/bath, and lack of photographed mechanicals (HVAC, water heater, electrical panel) which require testing/documentation. These items are fixable within a short scope of work (install detectors, confirm/upgrade GFCI, test systems), so the home is likely rent-ready within 2–4 weeks if systems test OK.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 82.0,
"rationale": "Listing and photos show a recently renovated interior: new-looking paint, consistent laminate flooring, updated bathrooms and kitchen cabinets, and working appliances (stove and refrigerator present). Minor cosmetic issues visible: small ceiling irregularities/patches in a few rooms, some scuffing on floors and trim, painted brick foundation/porch with cosmetic wear. Missing or damaged small items (outlet covers, touch-up paint, minor caulking) are likely. Overall turnkey cosmetically with only minor repair/finish work expected."
},
{
"key": "safety_code",
"label": "Safety & code risk (NSPIRE)",
"score": 68.0,
"rationale": "No active life‑threatening hazards visible (no collapsed ceilings, obvious major water intrusion, or exposed wiring). Egress windows are present in bedrooms and bathrooms. Porch has a railing. However, smoke detectors are not visible in any photos (NSPIRE requires smoke detectors in sleeping areas/hallways), carbon monoxide detector presence is not confirmed, and GFCI outlets in the kitchen/bath are not visible. Entry door deadbolt not shown. Ceiling cracks/patches should be checked for past leaks. These are mostly moderate compliance items that should be remedied prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 70.0,
"rationale": "Major systems evidence is indirect: floor vents/returns visible suggesting central HVAC, and appliances are present and appear functional (electric range and refrigerator). No water heater, furnace, or electrical panel photos were provided, so operational status cannot be confirmed. Roof appears intact from the small exterior view with no visible sagging or active leaks. Given the renovated interior and visible floor vents, systems are likely serviceable but should be tested (HVAC runtime, hot water, electrical panel labeling and breaker condition, plumbing/drain tests)."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 75.0,
"rationale": "Exterior siding, foundation piers and porch appear intact; yard is fenced and driveway/off‑street parking present. Some cosmetic wear to painted brick and mild overgrowth at the side/rear are visible. Walkway and porch appear serviceable and handrail exists. No visible standing water, major foundation cracks, or roof collapse observable from provided photos. Mature trees nearby may require routine maintenance."
}
],
"red_flags": [
"No visible smoke detectors in photos (required by NSPIRE).",
"No visible GFCI outlets/markers in kitchen and bathrooms in photos; GFCI protection may be missing.",
"HVAC, water heater and electrical panel not photographed — operational status unconfirmed (inspection required).",
"House built in 1953: potential lead-based paint hazard for units where children under 6 may be present; lead-risk precautions should be considered.",
"Ceiling surface irregularities/patches visible in multiple rooms — should be inspected for prior or hidden water intrusion."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operable (floor registers visible) though no HVAC unit photo was provided.",
"Water heater and electrical panel exist on site but were not photographed; their condition is unknown and assumed serviceable unless testing shows otherwise.",
"Appliances shown (stove, refrigerator) are functional; the stove is electric (coil elements visible) limiting immediate CO risk from heating appliances.",
"No active roof leaks or major structural movement exist beyond minor ceiling surface irregularities visible; ceiling issues are assumed cosmetic/old patches unless inspection reveals current leaks.",
"Bedrooms have adequate egress (windows shown) and window sizes meet egress requirements — exact measurements not provided."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the home appears renovated and largely move‑in ready with clean interiors, updated kitchens/baths and appliances shown. Visible condition suggests only minor repairs/cosmetic touchups are needed. Key NSPIRE verification items are not visible in the photos (smoke/CO detectors placement, GFCI protection, electrical panel, HVAC condenser and water heater), so a short pre‑inspection checklist (verify detectors, GFCI, service equipment operation, and address minor flooring/ceiling touchups) is recommended. With those verifications/fixes the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: painted walls, laminate flooring throughout, updated tile baths and cabinetry. Kitchen has range and refrigerator. Minor cosmetic items visible: some laminate planks show small gaps/lift in places, ceiling surface irregularities/patches in a few rooms, and trim/paint touch-ups likely needed. No major cosmetic deferred maintenance or visible water damage. Missing appliances would only be moderate—this unit has basic appliances in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings flat without sagging, no standing water or visible active leaks, no exposed wiring in photos, stair/porch railings present on main porch. Bedrooms show windows for egress; bathrooms have windows. Items not verifiable from photos that affect NSPIRE compliance: presence and placement of working smoke detectors in each sleeping area and common area, presence of CO detectors (if required by local code), and GFCI protection at kitchen and bath receptacles. Electrical panel, water heater and furnace/AC equipment are not shown. Based on the renovation quality visible, these items may be present but are not confirmed, so a small penalty is applied for verification risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Floor vents visible indicating central HVAC ducting; condition of HVAC equipment (furnace/AC condenser) not shown. Kitchen and bath plumbing fixtures appear functional and in good cosmetic condition; tile surrounds and tubs look recently updated. Roof condition appears acceptable from front elevation with straight roofline and intact soffits/rakes, but full roof and gutter condition cannot be confirmed from the single exterior photo. Electric service/electrical panel and water heater are not pictured. Because essential systems are likely present but not documented, score is moderate-high with some risk for hidden mechanical issues."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Front elevation shows intact vinyl siding, painted brick foundation, a fenced yard and off‑street parking/driveway. Front porch has railings; brick steps to yard are present though a handrail for those steps is not visible (steps appear low). Some overgrowth/untended vegetation visible along the side/rear lot but nothing indicating structural failure. No visible major foundation cracks or roof collapse from provided view. Drainage and full perimeter grading cannot be fully assessed from photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior photos represent current condition and photos are recent.",
"Kitchen appliances shown (range, refrigerator) will remain with the unit.",
"Central HVAC exists and is operational (inferred from floor vents) though outdoor condenser/furnace not pictured.",
"Water heater and electrical service/panel exist and are functional but were not shown in photos.",
"Bedrooms have operable windows that meet egress size requirements (windows are present but dimensions not verified).",
"No visible peeling paint in living areas — assumed low lead‑paint risk after renovation, but lead risk not tested or certified.",
"Smoke and carbon monoxide detectors and GFCI outlets may be present given renovation claim but their locations/operation are unverified in photos."
],
"overall_score": 77.0,
"rubric_version": "2026-02-hud-nspire-v1"
},
{
"summary": "Overall the property appears mostly turnkey and would likely pass an initial HCV/NSPIRE inspection after verification of a few code items. Interior shows recent cosmetic renovation, working kitchen appliances, and clean bathrooms. Primary inspection risks are missing/unstated GFCI outlets, unconfirmed carbon monoxide detectors, and bedroom egress dimensions — any of which can cause a fail if not corrected. Major structural or life-safety defects are not evident in supplied photos. Expect minor corrective items and system verifications before lease-up; likely rent-ready within 30 days if those items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated and clean: fresh paint, replacement laminate/vinyl floors, updated bathrooms and kitchen, working-range and refrigerator present. Visible minor issues: small ceiling imperfections/cracks in a few rooms, scuffs at baseboards, some floorboard gaps and finish wear, painted brick hearth looks cosmetic. Missing or decorative fireplace only; no major visible deferred maintenance. Overall a turn-key cosmetic state with only minor touch-ups and routine repairs expected."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance (NSPIRE risk)",
"score": 72.0,
"rationale": "No obvious life-threatening hazards in photos: no exposed wiring, no collapsed ceilings, no standing water or visible major mold. A smoke detector-like device is visible in the living area but smoke/CO detector locations and functionality are not fully confirmed; carbon monoxide alarm not visible. GFCI outlets are not clearly shown in bathrooms or kitchen. Bedroom egress windows are small in photos and their dimensions are not verifiable (possible egress risk). Porch has guardrail; steps appear intact. Plumbing fixtures appear intact. These unknowns create moderate inspection risk that can be fixed quickly if required."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 75.0,
"rationale": "Major systems are not fully shown. Kitchen has electric range and refrigerator; vent hood present. Registers/return grille visible suggesting central HVAC, but HVAC equipment, thermostat, water heater and electrical panel are not pictured. Bathrooms and tubs appear renovated; no visible active leaks. Roof line and siding appear intact from front photo with no visible sagging. Because systems are unverified but interiors look recently updated, assign a moderately high score but allow for possible servicing/verification of HVAC, water heater and electrical panel."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.0,
"rationale": "Exterior shows intact siding, painted brick foundation skirt and a covered front porch with rail. Off-street parking and fenced yard reported in listing; yard shows some overgrowth at the side but no obvious hazards. Driveway concrete is intact though small surface staining present. Deck mentioned in listing but not pictured; condition of rear deck cannot be verified. No visible foundation settlement, major masonry cracks, or roof collapse from provided exterior photo."
}
],
"red_flags": [
"No clearly visible GFCI-protected outlets in bathrooms or kitchen (inspection fail risk).",
"Carbon monoxide detector not visible in photos (may be required).",
"Bedroom egress windows are small in photos and window dimensions are unverified — potential egress failure.",
"Minor ceiling cracks/staining in bathrooms/ceilings visible — could indicate past leak that requires confirmation."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC and water heater are present and operational though equipment is not pictured (vent/return visible).",
"Electrical service and panel exist and are intact but were not photographed; no visible exposed wiring inside unit.",
"Listing statement about fenced backyard and deck is accurate even though the deck is not shown in the photos.",
"Smoke detectors exist in at least one location (one round device visible in living area) but additional detectors/locations are unverified.",
"Hot water and plumbing fixtures are functioning; toilets, sinks and tubs appear intact based on photos.",
"No active roof leaks or significant foundation movement exist; roof appears in reasonable condition from the single front elevation photo."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3921 Rutledge Ave SW, Birmingham, AL, 35221",
"aggregate": {
"summary": "Overall the property appears largely renovated and move-in ready with clean, updated interiors, functioning kitchen appliances visible, and intact exterior envelope. The likely inspections risks are missing/undocumented life-safety devices (smoke and CO detectors), unclear presence of GFCI protection in kitchen/bath, and lack of photographed mechanicals (HVAC, water heater, electrical panel) which require testing/documentation. These items are fixable within a short scope of work (install detectors, confirm/upgrade GFCI, test systems), so the home is likely rent-ready within 2–4 weeks if systems test OK.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 84.0,
"rationale": "Listing and photos show a recently renovated interior: new-looking paint, consistent laminate flooring, updated bathrooms and kitchen cabinets, and working appliances (stove and refrigerator present). Minor cosmetic issues visible: small ceiling irregularities/patches in a few rooms, some scuffing on floors and trim, painted brick foundation/porch with cosmetic wear. Missing or damaged small items (outlet covers, touch-up paint, minor caulking) are likely. Overall turnkey cosmetically with only minor repair/finish work expected."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 76.0,
"rationale": "Exterior siding, foundation piers and porch appear intact; yard is fenced and driveway/off‑street parking present. Some cosmetic wear to painted brick and mild overgrowth at the side/rear are visible. Walkway and porch appear serviceable and handrail exists. No visible standing water, major foundation cracks, or roof collapse observable from provided photos. Mature trees nearby may require routine maintenance."
},
{
"key": "safety_code",
"label": "Safety & code risk (NSPIRE)",
"score": 71.7,
"rationale": "No active life‑threatening hazards visible (no collapsed ceilings, obvious major water intrusion, or exposed wiring). Egress windows are present in bedrooms and bathrooms. Porch has a railing. However, smoke detectors are not visible in any photos (NSPIRE requires smoke detectors in sleeping areas/hallways), carbon monoxide detector presence is not confirmed, and GFCI outlets in the kitchen/bath are not visible. Entry door deadbolt not shown. Ceiling cracks/patches should be checked for past leaks. These are mostly moderate compliance items that should be remedied prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 71.7,
"rationale": "Major systems evidence is indirect: floor vents/returns visible suggesting central HVAC, and appliances are present and appear functional (electric range and refrigerator). No water heater, furnace, or electrical panel photos were provided, so operational status cannot be confirmed. Roof appears intact from the small exterior view with no visible sagging or active leaks. Given the renovated interior and visible floor vents, systems are likely serviceable but should be tested (HVAC runtime, hot water, electrical panel labeling and breaker condition, plumbing/drain tests)."
}
],
"red_flags": [
"No visible smoke detectors in photos (required by NSPIRE).",
"No visible GFCI outlets/markers in kitchen and bathrooms in photos; GFCI protection may be missing.",
"HVAC, water heater and electrical panel not photographed — operational status unconfirmed (inspection required).",
"House built in 1953: potential lead-based paint hazard for units where children under 6 may be present; lead-risk precautions should be considered.",
"Ceiling surface irregularities/patches visible in multiple rooms — should be inspected for prior or hidden water intrusion."
],
"confidence": 0.92,
"assumptions": [
"Central HVAC is present and operable (floor registers visible) though no HVAC unit photo was provided.",
"Water heater and electrical panel exist on site but were not photographed; their condition is unknown and assumed serviceable unless testing shows otherwise.",
"Appliances shown (stove, refrigerator) are functional; the stove is electric (coil elements visible) limiting immediate CO risk from heating appliances.",
"No active roof leaks or major structural movement exist beyond minor ceiling surface irregularities visible; ceiling issues are assumed cosmetic/old patches unless inspection reveals current leaks.",
"Bedrooms have adequate egress (windows shown) and window sizes meet egress requirements — exact measurements not provided."
],
"score_method": "mean_of_criteria",
"overall_score": 76.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7111212706"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.