Property ID: 7111399036
3921 Viola Ave SW, Birmingham, AL, 35221
Birmingham, AL
Money Down: $21,600
CoC Return: 18.23%
Monthly Cash Flow: $328
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$18,000
Closing Costs
$3,600
Total Down
$21,600
Investment Snapshot
Purchase Price
$90,000
Money Down
$21,600
Cash-on-Cash Return
18.23%
Rent
$1,118
Monthly Cash Flow
$328
Annual Cash Flow
$3,938
Debt Service / Mo
$479
Property Tax / Mo
$119
Insurance / Mo
$80
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,118
Payment Standard
$1,518
Rent
$1,118
Insurance
$80
Property Tax
$119
Management
$112
Utilities Allowance
$400
NOI (Monthly)
$807
Debt Service
$479
Cash Flow After Debt
$328
Quality Score: 65.50%
Confidence: 90.00%
This 3BR/1BA home appears largely renovated and close to turnkey for a Housing Choice Voucher inspection: updated kitchen, new-look flooring, functioning appliances, and generally serviceable exterior. Key inspection risks are a visible ceiling water stain and localized sag (possible active or recent leak), lack of visible smoke/CO detectors and unconfirmed GFCI protection, and a rear deck/steps configuration with incomplete guardrail which could fail code. Systems appear present (HVAC vents, electrical service, appliances) but require on-site verification (operation of HVAC, hot water, electrical panel, and confirmation of roof leak repair). With 1–2 weeks of targeted fixes (install/verify smoke & CO alarms, add/upgrade GFCI outlets, repair ceiling and source of leak, secure attic hatch, repair/heighten deck guardrails, address minor exterior concrete/paint), the property is likely to pass an initial NSPIRE/HCV inspection.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$400
Guaranteed Section 8 Rent (PS - Utilities)
$1,118
Property Management
$112
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$90,000
Beds
3
Baths
1
Living Area
1,118 sqft
Lot Size
5,227 sqft
Year Built
1936
Days on Market
17
Capital Outlay
$21,600
Debt Service
$479
Property Tax / Mo
$119
Insurance / Mo
$80
Property Description
This updated 3-bedroom, 1-bath home in Birmingham was remodeled just three years ago and is truly move-in ready. Featuring modern finishes, an open and spacious layout, and abundant natural light, this home offers comfortable and stylish living. The updated kitchen includes contemporary cabinetry, updated granite countertops, and newer appliances, making it ideal for everyday living and entertaining. Beautiful flooring flows throughout the home, enhancing the fresh and inviting atmosphere. With a newer roof, updated systems, and low-maintenance living, this property is perfect for first-time buyers, downsizers, or investors looking for a turnkey rental opportunity. Conveniently located near shopping, dining, schools, and major highways, this Birmingham home combines value, location, and modern updates in one attractive package.
Utility Allowances
cooking
$21
Property listing specifies an 'Electric Oven'. 'Elec: Ala Power' is selected as the most common provider for the area.
water_heating
$56
Property listing specifies an 'Electric Water Heater'. 'Elec: Ala Power' is selected as the most common provider for the area.
heating
$0
Property listing explicitly states 'No Heat', so no heating allowance is provided.
cooling
$0
Property listing explicitly states 'No Air' for cooling, so no central cooling allowance is provided.
other_electric
$68
Required for general lighting and small appliances. 'Ala Power' is selected as the most likely electricity provider.
water
$78
Property listing specifies 'Public Water' and is located in Birmingham. 'Water: Birmingham' is the corresponding schedule option.
sewer
$151
Property listing specifies the home is 'Sewer Connected'.
trash_collection
$20
Standard service for a single-family home. 'Jefferson City' is selected based on the property's location within Jefferson County.
range_microwave
$6
The property does not list a microwave as a provided appliance, 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$806
DP3 Annual Estimate$1,116
DP1 Monthly Equivalent$67
DP3 Monthly Equivalent$93
Replacement Value$104,500
Basis1,118 sqft / 1936
Nearby Houses
Photo unavailable
3925 Viola Ave SW
sold · 0.01 mi
Price: $65,900
3 bd / 1 ba · 1,270 sqft
Latest sale: $65,900
Latest rent: —
Photo unavailable
3748 SW George Ave
sold · 0.06 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
Photo unavailable
3917 Rutledge Dr
sold · 0.06 mi
Price: $7,000
3 bd / 1 ba · 948 sqft
Latest sale: $7,000
Latest rent: —
Photo unavailable
3921 Rutledge Ave SW
for_sale · 0.06 mi
Price: $115,000
3 bd / 2 ba · 1,440 sqft
Latest sale: $90,000 on Oct 21, 2022
Latest rent: —
Photo unavailable
3907 Rutledge Ave SW Lot 15
off_market · 0.07 mi
Price: $13,499
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
3745 Rutledge Ave SW
sold · 0.09 mi
Price: $19,000
4 bd / 2 ba · 1,280 sqft
Latest sale: $19,000 on Sep 26, 2018
Latest rent: —
Photo unavailable
3917 Mineral Ave SW
sold · 0.10 mi
Price: $500
3 bd / 2 ba · 1,447 sqft
Latest sale: $500 on Mar 09, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Ceiling water stain with localized sag in main living area — possible active or recent roof/plumbing leak requiring repair and verification.
- No visible smoke detectors or CO alarms in photos — HUD/NSPIRE required and must be installed/verified.
- Rear deck guardrail/handrail appears incomplete or low and may not meet guardrail/handrail code; fall hazard.
- Open/unsecured attic access visible in photos — potential hazard and energy/insulation concern.
- Cracked/chipped concrete at front steps and driveway creating trip hazard (minor but notable).
Assumptions
- Listing statement 'newer roof' and 'updated systems' are partially accurate; roof appears serviceable from photos but no close-up or age-certification was provided.
- Central HVAC exists and vents shown are connected to an operational system; operation has not been verified in photos.
- Smoke and carbon monoxide detectors are not present or not visible in photos and should be treated as missing until confirmed.
- GFCI protection in kitchen and bathroom is not visible in photos and should be assumed absent until verified.
- Bathroom and bedroom egress windows are assumed to meet minimum size for egress based on typical layouts and visible window locations, but exact dimensions were not measured.
- Water staining on ceiling is from a roof or plumbing leak; photos show staining and localized sag but no active dripping was observed in images.
- Electrical panel, water heater, and HVAC unit are present but not photographed; their condition is unknown and should be verified on-site.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,386 | $112,400 | $20,440 |
| 2023 | $751 | $51,800 | $10,360 |
| 2022 | $574 | $39,600 | $7,920 |
| 2021 | $574 | $39,600 | $7,920 |
| 2019 | $665 | $45,900 | $9,180 |
| 2018 | $569 | $39,300 | $7,860 |
| 2017 | $569 | $39,300 | $7,860 |
| 2016 | $569 | $39,300 | $7,860 |
| 2015 | $646 | $44,600 | $8,920 |
| 2013 | $226 | $42,100 | $8,420 |
| 2012 | $225 | $42,080 | $4,208 |
| 2011 | $230 | $42,700 | $4,270 |
| 2010 | $230 | $42,700 | $4,270 |
| 2009 | $230 | $42,700 | $4,270 |
| 2008 | $237 | $43,700 | $4,370 |
| 2007 | $608 | $42,700 | $8,540 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2014-03-19 | Sold | $42,000 |
| 2013-10-07 | Sold | $8,500 |
Photo Gallery
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{
"date": "2019-03-05",
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{
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{
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{
"date": "2017-11-16",
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{
"date": "2014-03-28",
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"days_after_listed": "74 days",
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{
"date": "2014-01-13",
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"list_date": "2014-01-13T07:00:00Z",
"list_price": 45000,
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"last_update_date": "2014-03-28T01:27:19Z",
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{
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{
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"listing": {
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"list_price": 9270,
"listing_id": "571729247",
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"price_change_percentage": "-79.40%"
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{
"date": "2007-06-13",
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"listing": null,
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},
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"generated_at": "2026-02-16T03:22:00.271683Z",
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"reason": "disabled",
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},
"processing_status": {
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"eligible": true,
"min_score": 60.0,
"overall_score": 65.5
},
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"zip_code": "35221",
"home_photo": "https://ap.rdcpix.com/904fb4169e4964dfaba1e38800946b9bl-m761545449s-w1280.jpg",
"rent_price": 1118.0,
"loan_amount": 72000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3921-Viola-Ave-SW_Birmingham_AL_35221_M71113-99036",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 90000.0,
"loan_term_years": 30,
"annual_cash_flow": 9685.82,
"mortgage_monthly": 479.02,
"payment_standard": 1518.0,
"total_amount_out": 18000.0,
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"insurance_monthly": 80.08,
"monthly_cash_flow": 807.15,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
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],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property listing specifies an 'Electric Oven'. 'Elec: Ala Power' is selected as the most common provider for the area.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Property listing specifies an 'Electric Water Heater'. 'Elec: Ala Power' is selected as the most common provider for the area.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "Property listing explicitly states 'No Heat', so no heating allowance is provided.",
"utility": "heating",
"allowance": 0
},
{
"note": "Property listing explicitly states 'No Air' for cooling, so no central cooling allowance is provided.",
"utility": "cooling",
"allowance": 0
},
{
"note": "Required for general lighting and small appliances. 'Ala Power' is selected as the most likely electricity provider.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property listing specifies 'Public Water' and is located in Birmingham. 'Water: Birmingham' is the corresponding schedule option.",
"utility": "water",
"allowance": 78
},
{
"note": "Property listing specifies the home is 'Sewer Connected'.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Standard service for a single-family home. 'Jefferson City' is selected based on the property's location within Jefferson County.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "The property does not list a microwave as a provided appliance, so an allowance for a tenant-owned appliance is included.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.54,
"down_payment_amount": 18000.0,
"property_tax_annual": 1427.58,
"property_tax_monthly": 118.96,
"property_tax_increase": 0.03,
"utility_allowance_total": 400.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3937.61,
"property_management_monthly": 111.8,
"monthly_cash_flow_after_debt": 328.13,
"cash_on_cash_return_after_debt": 0.22
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/1BA home appears largely renovated and close to turnkey for a Housing Choice Voucher inspection: updated kitchen, new-look flooring, functioning appliances, and generally serviceable exterior. Key inspection risks are a visible ceiling water stain and localized sag (possible active or recent leak), lack of visible smoke/CO detectors and unconfirmed GFCI protection, and a rear deck/steps configuration with incomplete guardrail which could fail code. Systems appear present (HVAC vents, electrical service, appliances) but require on-site verification (operation of HVAC, hot water, electrical panel, and confirmation of roof leak repair). With 1–2 weeks of targeted fixes (install/verify smoke & CO alarms, add/upgrade GFCI outlets, repair ceiling and source of leak, secure attic hatch, repair/heighten deck guardrails, address minor exterior concrete/paint), the property is likely to pass an initial NSPIRE/HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interiors appear recently renovated: new-look flooring, painted walls, updated kitchen cabinets/countertops and appliances present. Visible cosmetic issues include peeling paint on porch steps, cracked driveway concrete, and scuffed interior walls. Notable ceiling water staining and localized sagging in living area indicates repair needed to ceiling finishing and to address source of moisture. Missing outlet cover plates not observed but could be present in unseen areas. Overall mostly cosmetic with one moderate repair item (ceiling damage)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious exposed wiring or electrical hazards in photos; entry doors appear secure and there are railings on the front porch. However: no smoke detectors or CO alarms are visible in the photos (HUD/NSPIRE requires functioning smoke alarms), GFCI outlets in kitchen/bath are not observable and likely missing, bathroom window has covering but egress appears likely acceptable, and there is a visible ceiling stain/sag (possible ongoing leak) which is a safety/inspection concern. The rear deck appears to have low/incomplete guardrail/handrail and the attic access is open/unsecured in one photo. These items create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states updated systems and newer roof; photos show ceiling HVAC vents indicating central heating/cooling ducting present and appliances (range and refrigerator) installed. Service drop and meter appear intact on exterior. No water heater or electrical panel photos to confirm condition. The ceiling water stain suggests a past or active roof/plumbing issue that should be investigated and repaired. Overall systems appear functional but require verification (water heater, electrical panel, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Siding and roof appear in serviceable condition; chain link fence provides enclosure and yard is generally level. Front porch and steps are intact though paint is peeling and concrete is chipped. Rear deck is serviceable but small and has a low/incomplete guardrail which may fail code/inspection; backyard shows debris near deck that should be cleared. Drainage signage/gutters/downspouts appear present at one corner. No visible foundation sagging or major exterior structural defect in photos."
}
],
"red_flags": [
"Ceiling water stain with localized sag in main living area — possible active or recent roof/plumbing leak requiring repair and verification.",
"No visible smoke detectors or CO alarms in photos — HUD/NSPIRE required and must be installed/verified.",
"Rear deck guardrail/handrail appears incomplete or low and may not meet guardrail/handrail code; fall hazard.",
"Open/unsecured attic access visible in photos — potential hazard and energy/insulation concern.",
"Cracked/chipped concrete at front steps and driveway creating trip hazard (minor but notable)."
],
"confidence": 0.7,
"assumptions": [
"Listing statement 'newer roof' and 'updated systems' are partially accurate; roof appears serviceable from photos but no close-up or age-certification was provided.",
"Central HVAC exists and vents shown are connected to an operational system; operation has not been verified in photos.",
"Smoke and carbon monoxide detectors are not present or not visible in photos and should be treated as missing until confirmed.",
"GFCI protection in kitchen and bathroom is not visible in photos and should be assumed absent until verified.",
"Bathroom and bedroom egress windows are assumed to meet minimum size for egress based on typical layouts and visible window locations, but exact dimensions were not measured.",
"Water staining on ceiling is from a roof or plumbing leak; photos show staining and localized sag but no active dripping was observed in images.",
"Electrical panel, water heater, and HVAC unit are present but not photographed; their condition is unknown and should be verified on-site."
],
"overall_score": 68.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed/1-bath single-family appears largely renovated with new floors, updated kitchen appliances and intact exterior siding — a broadly turnkey candidate for a voucher tenant after limited repairs. Key items that will likely be required before passing an initial HCV/NSPIRE inspection: investigate and repair the ceiling water stain/sag (possible roof leak), secure/repair porch and deck railings/steps, install/verify smoke and CO detectors, confirm GFCI protection in kitchen/bath, and secure exterior service wiring. Mechanical systems (HVAC, water heater, electrical panel) are present in photos but their operational status should be verified. With these corrections, property is likely rentable within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently renovated with new vinyl plank flooring, painted walls and functioning kitchen appliances visible. Visible cosmetic defects include peeling paint and spalled concrete on the front porch steps and foundation stem, chipped porch surface, worn/short railings on rear deck, and an open attic access. Moderate ceiling staining and localized sag (living room) indicates water intrusion that will require repair and ceiling patch. Missing attic hatch/cover and some trim scuffs also need minor repairs. Overall mostly cosmetic and mid-size repairs rather than full rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (required). Ceiling water stain with localized sag is a safety/collapse risk until investigated and repaired. Front and rear steps have railings but rear deck railing height and condition may be marginal; some stair/porch concrete is spalled (trip hazard). Exterior service/drop cable and wiring at corner appears loosely routed and should be secured; this could be flagged by an inspector. GFCI receptacles in kitchen and bathroom are not visible and may be missing. Bedrooms appear to have windows for egress. Plumbing fixtures appear present and functional in photos, but hot water and plumbing operation not verified. These issues are repairable but are inspection risks."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Listing states 'newer roof' and 'updated systems' and interior ceiling vents indicate central HVAC; an outdoor condenser is visible near the rear (photo) but operational status is not shown. Ceiling water stain suggests a past or ongoing roof leak that must be confirmed and repaired despite the 'newer roof' claim. Electrical service, meter and panel are visible on the exterior and appear intact but exterior cable routing is untidy and should be secured. Water heater and furnace are not photographed. Electrical, HVAC and plumbing functionality will need verification; current photo evidence supports functioning systems but leaves moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Conditions",
"score": 70.0,
"rationale": "Yard is fenced with chain-link; walkways and driveway show cracking but are serviceable. Siding looks intact overall. Front porch concrete and paint are deteriorated in spots and need patching/paint. Rear deck is elevated and appears structurally present but railings and stairs show wear and short rail height in photos; decking and railings should be repaired/secured. No visible standing water or extensive vegetation against foundation. Overall exterior shows signs of normal wear but no obvious foundation failure in photos."
}
],
"red_flags": [
"Localized ceiling water stain with sag—possible active roof leak or previous water damage requiring immediate evaluation and repair.",
"Open/missing attic access cover (visible hole) — safety and insulation/infestation concern.",
"Exterior service/drop wiring and satellite cabling appear loose and untidy at the service entry; could be flagged as an electrical hazard.",
"Front porch concrete spalling and cracked steps (trip hazard); rear deck railing condition/height appears marginal and may fail guardrail requirements.",
"No visible smoke detectors or CO alarms in photos (NSPIRE requirement)."
],
"confidence": 0.7,
"assumptions": [
"Listing claim of a 'newer roof' and 'updated systems' is accurate but the visible ceiling stain indicates either a localized past leak or a current leak that needs verification.",
"HVAC system and outdoor condenser visible in photos are present and connected; operational condition unknown and assumed serviceable until tested.",
"Kitchen stove and refrigerator shown in photos are included and functional unless otherwise specified by seller.",
"No smoke/CO detectors are visible in photos; assume they are not installed or not in correct locations and will need installation/verification.",
"GFCI protection at kitchen sink and bathroom is not visible in photos and should be assumed missing until confirmed.",
"Bedrooms have adequate egress windows based on photo framing; exact measurements not provided but windows appear typical for bedrooms."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this property appears largely turnkey with recent interior finishes, functioning kitchen appliances, and a likely operational HVAC system — consistent with the listing claim of a remodel. The highest inspection risks are: (1) ceiling water stains/sag indicating a past or possibly active leak that must be investigated and repaired, and (2) lack of visible smoke/CO detectors and unclear GFCI protection. Exterior electrical wiring at the corner appears loosely routed and should be evaluated. With targeted work (confirm/repair any active leak, install/verify smoke & CO detectors, address any electrical hazards, patch ceiling and porch repairs, and verify GFCI), this house should be able to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. If the ceiling stains are from an active leak or the exterior service is an electrical hazard, repairs could extend timeline.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior appears recently updated with new-looking vinyl plank flooring and painted finishes, and kitchen appliances are present. Visible deferred items: multiple ceiling water stains / small sag areas (living room and hallway), chipping paint on front porch/steps, cracked driveway threshold and a separational gap at the living-to-kitchen floor transition. Cosmetic wall scuffs and missing outlet/cover details visible. Missing window coverings and some trim touch-ups remain. Appliances present reduce penalty; ceiling stains raise concern but are localized. Overall moderate cosmetic and minor repair needs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items not clearly confirmed in photos: no smoke/CO detectors visible (likely fail at inspection if none installed), GFCI presence in kitchen/bath not verifiable. Interior ceiling water stains suggest past or active leak (possible active leak risk). Exterior service conductors appear loosely routed and coiled at corner which is a potential electrical hazard. Porch and rear deck have railings but some step details (handrail presence on all required flights) are unclear. Bathroom and living spaces appear free of obvious trip hazards. Because critical life-safety items (smoke detectors, potential active leak, and exterior wiring) are unresolved, risk is moderate-high for initial inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 60.0,
"rationale": "Photos show supply registers/vents indicating central HVAC likely present; listing states 'updated systems' and a newer roof. No water heater, furnace, or electrical panel interior photos to verify condition. Ceiling stains point to prior or current roof/plumbing issue which could affect systems if active. Exterior electric meter and service look intact but wiring at the corner is loosely draped which could need electrician evaluation. Overall system evidence is mixed: likely functional but needs verification and potential minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Siding and roof appear serviceable from photos; front porch structure and concrete foundation skirt look intact though paint is peeling and steps show chipping. Chain link fence is functional. Rear deck is standing but shows minor weathering and small steps without robust handrails; yard drains toward yard but no visible standing water. Driveway has surface cracks. No visible major foundation movement or collapsed elements. Overall the exterior is in fair to good condition with some low-cost repairs needed for curb appeal and safety."
}
],
"red_flags": [
"Possible active leak / water intrusion (ceiling stains and localized ceiling sag in multiple interior photos).",
"Potential electrical hazard: loosely routed/secured service wiring and coiled cables at exterior corner.",
"No visible smoke detectors (life-safety item likely required prior to move-in)."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that roof and systems were updated within last few years is partially accurate; no full roof or system documentation provided.",
"Central HVAC is present and likely operational (supply registers visible) though untested in photos.",
"Smoke and carbon monoxide detectors are not visible in photos; assume none are installed or not located in photographed areas and thus need verification/installation.",
"No visible major foundation movement, structural sagging, or collapsed ceilings beyond localized ceiling staining and small sagging of the textured ceiling noted in photos.",
"Kitchen appliances (stove and refrigerator) pictured are present and in working order but untested.",
"Electrical panel and interior wiring are assumed intact; exterior service conductors appear loosely secured and should be inspected but not necessarily evidence of a failed panel."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3921 Viola Ave SW, Birmingham, AL, 35221",
"aggregate": {
"summary": "This 3BR/1BA home appears largely renovated and close to turnkey for a Housing Choice Voucher inspection: updated kitchen, new-look flooring, functioning appliances, and generally serviceable exterior. Key inspection risks are a visible ceiling water stain and localized sag (possible active or recent leak), lack of visible smoke/CO detectors and unconfirmed GFCI protection, and a rear deck/steps configuration with incomplete guardrail which could fail code. Systems appear present (HVAC vents, electrical service, appliances) but require on-site verification (operation of HVAC, hot water, electrical panel, and confirmation of roof leak repair). With 1–2 weeks of targeted fixes (install/verify smoke & CO alarms, add/upgrade GFCI outlets, repair ceiling and source of leak, secure attic hatch, repair/heighten deck guardrails, address minor exterior concrete/paint), the property is likely to pass an initial NSPIRE/HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 69.3,
"rationale": "Interiors appear recently renovated: new-look flooring, painted walls, updated kitchen cabinets/countertops and appliances present. Visible cosmetic issues include peeling paint on porch steps, cracked driveway concrete, and scuffed interior walls. Notable ceiling water staining and localized sagging in living area indicates repair needed to ceiling finishing and to address source of moisture. Missing outlet cover plates not observed but could be present in unseen areas. Overall mostly cosmetic with one moderate repair item (ceiling damage)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 71.7,
"rationale": "Siding and roof appear in serviceable condition; chain link fence provides enclosure and yard is generally level. Front porch and steps are intact though paint is peeling and concrete is chipped. Rear deck is serviceable but small and has a low/incomplete guardrail which may fail code/inspection; backyard shows debris near deck that should be cleared. Drainage signage/gutters/downspouts appear present at one corner. No visible foundation sagging or major exterior structural defect in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 58.3,
"rationale": "No obvious exposed wiring or electrical hazards in photos; entry doors appear secure and there are railings on the front porch. However: no smoke detectors or CO alarms are visible in the photos (HUD/NSPIRE requires functioning smoke alarms), GFCI outlets in kitchen/bath are not observable and likely missing, bathroom window has covering but egress appears likely acceptable, and there is a visible ceiling stain/sag (possible ongoing leak) which is a safety/inspection concern. The rear deck appears to have low/incomplete guardrail/handrail and the attic access is open/unsecured in one photo. These items create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 63.3,
"rationale": "Listing states updated systems and newer roof; photos show ceiling HVAC vents indicating central heating/cooling ducting present and appliances (range and refrigerator) installed. Service drop and meter appear intact on exterior. No water heater or electrical panel photos to confirm condition. The ceiling water stain suggests a past or active roof/plumbing issue that should be investigated and repaired. Overall systems appear functional but require verification (water heater, electrical panel, HVAC operation)."
}
],
"red_flags": [
"Ceiling water stain with localized sag in main living area — possible active or recent roof/plumbing leak requiring repair and verification.",
"No visible smoke detectors or CO alarms in photos — HUD/NSPIRE required and must be installed/verified.",
"Rear deck guardrail/handrail appears incomplete or low and may not meet guardrail/handrail code; fall hazard.",
"Open/unsecured attic access visible in photos — potential hazard and energy/insulation concern.",
"Cracked/chipped concrete at front steps and driveway creating trip hazard (minor but notable)."
],
"confidence": 0.9,
"assumptions": [
"Listing statement 'newer roof' and 'updated systems' are partially accurate; roof appears serviceable from photos but no close-up or age-certification was provided.",
"Central HVAC exists and vents shown are connected to an operational system; operation has not been verified in photos.",
"Smoke and carbon monoxide detectors are not present or not visible in photos and should be treated as missing until confirmed.",
"GFCI protection in kitchen and bathroom is not visible in photos and should be assumed absent until verified.",
"Bathroom and bedroom egress windows are assumed to meet minimum size for egress based on typical layouts and visible window locations, but exact dimensions were not measured.",
"Water staining on ceiling is from a roof or plumbing leak; photos show staining and localized sag but no active dripping was observed in images.",
"Electrical panel, water heater, and HVAC unit are present but not photographed; their condition is unknown and should be verified on-site."
],
"score_method": "mean_of_criteria",
"overall_score": 65.5,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7111399036"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.