Property ID: 7112520163
2086 Cherry Ave, Hueytown, AL, 35023
Hueytown, AL
Money Down: $29,976
CoC Return: 9.62%
Monthly Cash Flow: $240
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,980
Closing Costs
$4,996
Total Down
$29,976
Investment Snapshot
Purchase Price
$124,900
Money Down
$29,976
Cash-on-Cash Return
9.62%
Rent
$1,115
Monthly Cash Flow
$240
Annual Cash Flow
$2,883
Debt Service / Mo
$665
Property Tax / Mo
$36
Insurance / Mo
$63
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,115
Payment Standard
$1,408
Rent
$1,115
Insurance
$63
Property Tax
$36
Management
$112
Utilities Allowance
$293
NOI (Monthly)
$905
Debt Service
$665
Cash Flow After Debt
$240
Quality Score: 70.10%
Confidence: 89.00%
Overall this 1957 brick ranch appears largely rent-ready with minor repairs and verification steps required. The interior kitchen and finishes look updated and serviceable; HVAC and electrical service are present. Primary inspection risks are missing/unspecified smoke/CO detectors and GFCIs, vegetation abutting the foundation, and the absence of a visible front stair handrail. The roof shows age but no visible structural failure. With routine pre-rental items (install/verify detectors, trim/remove shrubs, confirm hot water/major systems operation, minor exterior cleanup and possible handrail addition) this property has a high likelihood of passing an initial HCV/NSPIRE inspection within ~30 days.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$293
Guaranteed Section 8 Rent (PS - Utilities)
$1,115
Property Management
$112
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$124,900
Beds
2
Baths
1
Living Area
1,209 sqft
Lot Size
10,019 sqft
Year Built
1957
Days on Market
31
Capital Outlay
$29,976
Debt Service
$665
Property Tax / Mo
$36
Insurance / Mo
$63
Property Description
This adorable home on a level, corner lot has been well maintained. Spacious Kitchen with breakfast bar, lots of cabinets and stainless steel appliances and separate eating area. Open living area with great natural light. This is a very functional floor plan.
Utility Allowances
Heating
$76
Property has electric heating ('Electric (HEAT)'). The 'Elec Heat: Ala Power' schedule was selected as Alabama Power is a major regional provider and the most expensive electric heating option.
Cooling
$18
Property has electric central cooling ('Electric (COOL)'). The 'A/C: Alabama Power' schedule was selected as Alabama Power is a major regional provider and the most expensive electric cooling option.
Water Heater
$29
Property has a gas water heater ('Gas (WTRHTR)'). The 'N'Gas: Spire' schedule was chosen as Spire is a common provider in the area.
Cooking
$17
Property has an electric stove ('Oven-Electric', 'Stove-Electric'). The 'Elec: Ala Power' schedule was selected as it is the most expensive electric cooking option among plausible providers.
Other Electric
$56
This covers general electric use for lights and other appliances. The 'Lights, Ref, Etc.: Ala Power' schedule was selected as the most expensive and plausible option.
Water
$69
Property uses 'Public Water'. The 'Water: Birmingham' schedule was selected as Birmingham Water Works serves the region and this is the most expensive plausible option.
Sewer
$0
Property has a 'Septic' system, so no allowance for public sewer is provided.
Trash Collection
$20
A tenant-paid utility is assumed. The 'Jefferson City (Once per week)' rate was used as a default for Jefferson County, as Hueytown is not specifically listed.
Refrigerator
$8
A refrigerator is not explicitly mentioned as a provided appliance. Therefore, an allowance for a tenant-owned refrigerator is included based on the fixed schedule amount.
Range/Microwave
$0
The property includes a 'Microwave Built-In', so no allowance for a tenant-provided appliance is necessary.
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$606
DP3 Annual Estimate$896
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$75
Replacement Value$68,600
Basis1,209 sqft / 1957
Nearby Houses
Photo unavailable
288 Eastwood Ave
sold · 0.03 mi
Price: $165,000
3 bd / 1 ba · 988 sqft
Latest sale: $165,000
Latest rent: —
Photo unavailable
100 E Crest Rd
sold · 0.04 mi
Price: $117,500
3 bd / 2 ba · 1,462 sqft
Latest sale: $117,500 on May 17, 2019
Latest rent: $1,000 on Jun 04, 2018
Photo unavailable
2094 Cherry Ave
sold · 0.05 mi
Price: $164,500
3 bd / 2 ba · 1,265 sqft
Latest sale: $164,500
Latest rent: —
Photo unavailable
2080 Cherry Ave
sold · 0.06 mi
Price: $179,000
4 bd / 2 ba · 1,270 sqft
Latest sale: $179,000
Latest rent: —
Photo unavailable
103 W Crest Rd
sold · 0.07 mi
Price: $154,000
5 bd / 3 ba · 1,998 sqft
Latest sale: $154,000
Latest rent: —
Photo unavailable
102 E Crest Rd
off_market · 0.07 mi
Price: $199,900
4 bd / 2 ba · 1,998 sqft
Latest sale: —
Latest rent: —
Photo unavailable
107 W Crest Rd
sold · 0.08 mi
Price: $109,900
3 bd / 1 ba · 1,589 sqft
Latest sale: $109,900
Latest rent: —
Photo unavailable
104 E Crest Rd
sold · 0.09 mi
Price: $71,000
2 bd / 1 ba
Latest sale: $71,000
Latest rent: —
Photo unavailable
106 E Crest Rd
sold · 0.09 mi
Price: $135,000
2 bd / 1 ba · 997 sqft
Latest sale: $135,000
Latest rent: —
Photo unavailable
120 Midfield Ave
sold · 0.09 mi
Price: $100,000
3 bd / 2 ba · 2,405 sqft
Latest sale: $100,000
Latest rent: —
Photo unavailable
108 Fair St
for_sale · 0.10 mi
Price: $164,000
3 bd / 1 ba · 1,272 sqft
Latest sale: $67,500
Latest rent: —
Photo unavailable
107 Stadium Ave
sold · 0.12 mi
Price: $44,000
2 bd / 1 ba
Latest sale: $44,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Utilities (electric, water) can be turned on for an inspection and are serviceable; no evidence of inactive utilities in photos.
- HVAC is operational based on presence of outdoor condensing unit; however no service records or interior HVAC photos were provided.
- No visible interior bedrooms/bathrooms were shown other than kitchen; assume typical 2-bed/1-bath layout with legal egress windows but this must be confirmed on site.
- Smoke and carbon monoxide detectors are not visible in photos; assume none or not verified and therefore will need installation/confirmation.
- Electrical panel, GFCI protection, plumbing fixtures and hot water are not pictured and are assumed to be present but should be tested prior to inspection.
- Roof staining/age indicates shingle wear but no active leaks or structural sagging are visible; assume roof is water-tight pending on-site verification.
- Front porch steps lack a visible handrail; assume step height may require a handrail depending on local code/inspector interpretation.
- Overgrown shrubs near foundation may conceal minor foundation/termite/moisture issues; assume none severe unless onsite inspection finds otherwise.
- No rental history in last 5 years supplied; rental_history_activity excluded from scoring as instructed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2015 | $418 | $83,100 | $8,320 |
| 2013 | $989 | $81,100 | $8,120 |
| 2012 | $450 | $82,860 | $8,286 |
| 2011 | $427 | $79,100 | $7,910 |
| 2010 | $427 | $79,100 | $7,910 |
| 2009 | $427 | $79,100 | $7,910 |
| 2008 | $437 | $80,800 | $8,080 |
| 2007 | $428 | $79,300 | $7,930 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-16 | Listed | $124,900 |
| 2024-08-09 | Sold | $48,000 |
| 2014-06-30 | Sold | $66,200 |
| 2014-05-23 | Price Changed | $74,500 |
| 2014-03-27 | Listed | $77,500 |
| 2013-08-30 | Listing removed | $69,900 |
| 2013-06-17 | Price Changed | $69,900 |
| 2013-05-03 | Listed | $74,900 |
| 2013-04-12 | Listing removed | $82,500 |
| 2013-04-02 | Price Changed | $82,500 |
| 2012-12-03 | Listing removed | $88,500 |
| 2012-12-02 | Listed | $82,900 |
| 2012-07-16 | Listed | $88,500 |
| 2012-07-16 | Listing removed | $90,000 |
| 2012-06-05 | Price Changed | $90,000 |
| 2012-05-10 | Price Changed | $95,000 |
| 2012-03-13 | Price Changed | $99,000 |
| 2011-12-27 | Price Changed | $103,000 |
| 2011-09-01 | Listed | $108,000 |
| 2011-09-01 | Listing removed | $108,000 |
| 2011-06-15 | Listed | $108,000 |
| 2011-06-13 | Listing removed | $105,900 |
| 2011-06-02 | Relisted | $105,900 |
| 2011-05-23 | Listing removed | $105,900 |
| 2011-02-07 | Listed | $105,900 |
Photo Gallery
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"last_update_date": "2012-07-17T03:38:14Z",
"last_status_change_date": "2012-07-16T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "510344",
"price_change_percentage": null
},
{
"date": "2011-09-01",
"price": 108000,
"listing": {
"status": "off_market",
"list_date": "2011-06-15T07:00:00Z",
"list_price": 108000,
"listing_id": "530235931",
"last_update_date": "2011-09-01T21:07:48Z",
"last_status_change_date": "2011-09-01T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "0 days",
"source_listing_id": "503178",
"price_change_percentage": null
},
{
"date": "2011-06-15",
"price": 108000,
"listing": {
"status": "off_market",
"list_date": "2011-06-15T07:00:00Z",
"list_price": 108000,
"listing_id": "530235931",
"last_update_date": "2011-09-01T21:07:48Z",
"last_status_change_date": "2011-09-01T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "503178",
"price_change_percentage": null
},
{
"date": "2011-06-13",
"price": 105900,
"listing": {
"status": "off_market",
"list_date": "2011-02-07T07:00:00Z",
"list_price": 105900,
"listing_id": "525622795",
"last_update_date": "2011-06-14T03:17:02Z",
"last_status_change_date": "2011-06-13T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "490049",
"price_change_percentage": null
},
{
"date": "2011-06-02",
"price": 105900,
"listing": {
"status": "off_market",
"list_date": "2011-02-07T07:00:00Z",
"list_price": 105900,
"listing_id": "525622795",
"last_update_date": "2011-06-14T03:17:02Z",
"last_status_change_date": "2011-06-13T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "490049",
"price_change_percentage": null
},
{
"date": "2011-05-23",
"price": 105900,
"listing": {
"status": "off_market",
"list_date": "2011-02-07T07:00:00Z",
"list_price": 105900,
"listing_id": "525622795",
"last_update_date": "2011-06-14T03:17:02Z",
"last_status_change_date": "2011-06-13T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "105 days",
"source_listing_id": "490049",
"price_change_percentage": null
},
{
"date": "2011-02-07",
"price": 105900,
"listing": {
"status": "off_market",
"list_date": "2011-02-07T07:00:00Z",
"list_price": 105900,
"listing_id": "525622795",
"last_update_date": "2011-06-14T03:17:02Z",
"last_status_change_date": "2011-06-13T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "490049",
"price_change_percentage": "+60.45%"
},
{
"date": "1999-10-07",
"price": 66000,
"listing": null,
"event_name": "Sold",
"price_sqft": 54.59057071960298,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1987-07-31",
"price": 45500,
"listing": null,
"event_name": "Sold",
"price_sqft": 37.634408602150536,
"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": "7112520163",
"generated_at": "2026-02-16T01:48:28.683608Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 70.1
},
"utility_allowance": {
"zip_code": "35023",
"home_photo": "https://ap.rdcpix.com/0751b219ada8da34efa3740df24b1b4dl-m1819949288s-w1280.jpg",
"rent_price": 1115.0,
"loan_amount": 99920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2086-Cherry-Ave_Hueytown_AL_35023_M71125-20163",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 124900.0,
"loan_term_years": 30,
"annual_cash_flow": 10860.46,
"mortgage_monthly": 664.77,
"payment_standard": 1408.0,
"total_amount_out": 24980.0,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 62.58,
"monthly_cash_flow": 905.04,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has electric heating ('Electric (HEAT)'). The 'Elec Heat: Ala Power' schedule was selected as Alabama Power is a major regional provider and the most expensive electric heating option.",
"utility": "Heating",
"allowance": 76
},
{
"note": "Property has electric central cooling ('Electric (COOL)'). The 'A/C: Alabama Power' schedule was selected as Alabama Power is a major regional provider and the most expensive electric cooling option.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "Property has a gas water heater ('Gas (WTRHTR)'). The 'N'Gas: Spire' schedule was chosen as Spire is a common provider in the area.",
"utility": "Water Heater",
"allowance": 29
},
{
"note": "Property has an electric stove ('Oven-Electric', 'Stove-Electric'). The 'Elec: Ala Power' schedule was selected as it is the most expensive electric cooking option among plausible providers.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "This covers general electric use for lights and other appliances. The 'Lights, Ref, Etc.: Ala Power' schedule was selected as the most expensive and plausible option.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Property uses 'Public Water'. The 'Water: Birmingham' schedule was selected as Birmingham Water Works serves the region and this is the most expensive plausible option.",
"utility": "Water",
"allowance": 69
},
{
"note": "Property has a 'Septic' system, so no allowance for public sewer is provided.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "A tenant-paid utility is assumed. The 'Jefferson City (Once per week)' rate was used as a default for Jefferson County, as Hueytown is not specifically listed.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not explicitly mentioned as a provided appliance. Therefore, an allowance for a tenant-owned refrigerator is included based on the fixed schedule amount.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property includes a 'Microwave Built-In', so no allowance for a tenant-provided appliance is necessary.",
"utility": "Range/Microwave",
"allowance": 0
}
],
"cash_on_cash_return": 0.43,
"down_payment_amount": 24980.0,
"property_tax_annual": 430.54,
"property_tax_monthly": 35.88,
"property_tax_increase": 0.03,
"utility_allowance_total": 293.0,
"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": 2015,
"annual_cash_flow_after_debt": 2883.22,
"property_management_monthly": 111.5,
"monthly_cash_flow_after_debt": 240.27,
"cash_on_cash_return_after_debt": 0.12
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 1957 brick ranch appears largely rent-ready with minor repairs and verification steps required. The interior kitchen and finishes look updated and serviceable; HVAC and electrical service are present. Primary inspection risks are missing/unspecified smoke/CO detectors and GFCIs, vegetation abutting the foundation, and the absence of a visible front stair handrail. The roof shows age but no visible structural failure. With routine pre-rental items (install/verify detectors, trim/remove shrubs, confirm hot water/major systems operation, minor exterior cleanup and possible handrail addition) this property has a high likelihood of passing an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 80.0,
"rationale": "Exterior and interior photos show a well-maintained brick ranch with intact siding, solid-looking windows, and an updated kitchen with stainless appliances and cabinetry. Visible issues are largely cosmetic or minor: overgrown shrubs against the house, worn front door finish, weathered roof shingles (surface staining/moss) and a small backyard shed that may need work. No collapsed surfaces, missing flooring, or severe interior damage visible. Missing/uncertain small items (outlet covers, interior paint touchups) are assumed easily fixed."
},
{
"key": "safety_code",
"label": "Safety & Code (NSPIRE risk)",
"score": 65.0,
"rationale": "No obvious life-threatening hazards in photos (no collapsed ceilings, no standing water, no visible major foundation movement). However several NSPIRE items are unverified: smoke/CO detectors are not visible in interior photos, GFCIs in kitchen/bath not shown, and bedroom egress windows are not photographed. Front steps do not show a handrail which could be a code/inspection item depending on step height. Vegetation is overgrown near foundation which can hide hazards/entry points for pests. Electrical service and meter appear present and intact with overhead feed; no exposed wiring observed. Because multiple required safety items are not confirmed by photos, assign a moderate risk score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Exterior shows an outdoor condensing unit (indicates central HVAC present) and an electrical meter/service. Kitchen photos show a working-range style cooktop and dishwasher (stainless appliances present). Roof shows age (staining and some shingle wear) but no visible sagging or active leaks in photos. Water heater and electrical panel are not photographed and plumbing/hot water operation is unverified. Given visible HVAC and appliances, assume systems are functional but recommend verification (service records or test) before lease."
},
{
"key": "exterior_site",
"label": "Exterior, Site & Grounds",
"score": 75.0,
"rationale": "Brick exterior and foundation look sound in photos with no obvious major cracks or settling. Lot is level and corner-lot with adequate yard space; sidewalks and entry walk appear intact. Some yard cleanup required: leaf/debris removal, trimming/removal of shrubs near the foundation, and the backyard gazebo/pergola structure appears weathered and may need repair or removal. No visible evidence of infestation, but dense shrubs near foundation increase that risk. Driveway/parking not fully shown but carport/drive is implied and appears serviceable."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Utilities (electric, water) can be turned on for an inspection and are serviceable; no evidence of inactive utilities in photos.",
"HVAC is operational based on presence of outdoor condensing unit; however no service records or interior HVAC photos were provided.",
"No visible interior bedrooms/bathrooms were shown other than kitchen; assume typical 2-bed/1-bath layout with legal egress windows but this must be confirmed on site.",
"Smoke and carbon monoxide detectors are not visible in photos; assume none or not verified and therefore will need installation/confirmation.",
"Electrical panel, GFCI protection, plumbing fixtures and hot water are not pictured and are assumed to be present but should be tested prior to inspection.",
"Roof staining/age indicates shingle wear but no active leaks or structural sagging are visible; assume roof is water-tight pending on-site verification.",
"Front porch steps lack a visible handrail; assume step height may require a handrail depending on local code/inspector interpretation.",
"Overgrown shrubs near foundation may conceal minor foundation/termite/moisture issues; assume none severe unless onsite inspection finds otherwise.",
"No rental history in last 5 years supplied; rental_history_activity excluded from scoring as instructed."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2-bed brick ranch appears well maintained and largely turnkey for rental with minor repairs. The kitchen and appliances are present and in good cosmetic condition; exterior brick and foundation look sound. The primary inspection risks are missing/undocumented smoke and CO detectors, a lack of a handrail at the front steps, overgrown shrubs against the foundation, and limited visibility of key systems (electrical panel, water heater, HVAC function). With targeted checks (confirm/repair detectors, install handrail if required, verify GFCI and panel, service HVAC, trim vegetation), the property would likely pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Overall condition & repairs",
"score": 78.0,
"rationale": "Exterior brick shell and landscaping show only minor deferred maintenance. Photographs of the interior kitchen show updated cabinetry, intact countertops, a double sink, range and dishwasher (stainless) — appliances present reduce capital needs. No visible collapsed ceilings, major drywall damage, or extensive flooring issues in the provided images. Minor work likely: trimming shrubs, touch-up paint on trim, small porch step repairs and shed cleanup. Missing or small cosmetic items (shrub overgrowth, lamp post leaning) are easy/quick fixes and do not indicate major rehab required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 62.0,
"rationale": "No visible smoke or CO detectors in exterior/interior photos (likely required). Front steps lack a handrail and could be flagged as unsafe stairs depending on riser count; stairs/entry are an inspection focal point. Windows appear original — bedroom egress not verifiable from photos. No exposed wiring, obvious electrical hazards, or collapsed elements visible. Overgrown shrubs against the foundation and large trees overhanging the roof present potential moisture/roof/limb hazards. Working plumbing fixtures visible at kitchen sink. Overall moderate code risk mostly from missing/undocumented detectors, entry stair rail, and unknown egress/detector placement."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Outdoor split-system condenser is present (indicates central HVAC) but age and operation are unknown from photos; no visible heating equipment failures. Kitchen plumbing fixtures look serviceable. Range and dishwasher present (stainless), reducing immediate capital needs. Roof shows age and some staining/algae but no visible sagging or active leaks; flashing and gutters not clearly visible. Electrical meter is present at the side but panel condition and presence of GFCI outlets in kitchen/bath are not shown. Because key mechanicals are present but unverified to be operational, score reflects moderate uncertainty and likely need for functional checks/possible minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior, site, yard and access",
"score": 70.0,
"rationale": "Level corner lot with paved walk, intact sidewalks and generally tidy yard. Brick exterior appears sound with no visible foundation cracking or significant settling. Some overgrown shrubs against the house and an older shed/gazebo structure in the yard that may require repair or removal. Large mature trees near the house mean some ongoing maintenance risk (limbs, leaves in gutters). Driveway/carport not fully shown but site appears accessible and safe for tenants with modest landscaping cleanup."
}
],
"red_flags": [
"No visible smoke and carbon monoxide detectors in supplied photos (NSPIRE requirement).",
"Front entry steps lack a handrail (unsafe stairs can fail inspection).",
"Large overhanging trees and shrubs against the structure (risk of limb damage, clogged gutters, moisture at foundation).",
"Shed / yard structure appears weathered and may be unsafe or require removal/repair."
],
"confidence": 0.6,
"assumptions": [
"Interior rooms (bedrooms, bathrooms) not shown are in similar upkeep to the kitchen and living areas described in the listing.",
"Appliances shown (range, dishwasher) are functional but have not been tested; a working hot water heater and heating system are assumed present but not verified.",
"Smoke detectors and CO detectors are not visible in the photos and therefore assumed absent or not documented; they would need confirmation or installation.",
"Electrical panel condition, presence of GFCI outlets in kitchen/bath, and plumbing hot-water availability are unknown and assumed to require verification.",
"Roof is aged with surface staining but no active leaks visible; detailed roof inspection could reveal need for shingle replacement within a few years."
],
"overall_score": 68.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 2BR/1BA brick ranch appears largely sound and likely to pass an initial HCV/NSPIRE inspection after a short punch-list. Primary strengths are intact brick envelope, present central AC unit, and a functional-looking kitchen with major appliances. Main inspection risks are missing/unknown smoke and CO detectors (common automatic failures), roof nearing end-of-life with biological staining, overhanging trees and shrubs against the foundation, and some backyard structures in decay. With 1–2 weeks for smoke/CO device installation, basic yard and shrub trimming, debris removal, and verification/repair of any minor mechanical items, the property should be rent-ready; however, verification of HVAC operation, hot water, electrical panel condition, GFCI protection, and bedroom egress windows is required before certification.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior brick shell appears intact and well-maintained; interior kitchen photos show functioning countertops, cabinets, dishwasher and stove present (stainless appliances). Cosmetic deferred items: overgrown shrubs against foundation, yard clean-up, small concrete walkway wear, and a backyard shed/covered structure showing visible decay. Roof shingles show age and biological staining but no visible active collapse. Missing minor exterior items (trim paint, shrub trimming) and likely cosmetic touch-ups; missing or deteriorated shed is a capital repair but not an immediate safety failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life-threatening hazards in photos (no collapsed ceilings, visible major foundation cracks, or standing water). Exterior steps to front stoop have 3 risers and no visible handrail — may or may not trigger a requirement depending on local interpretation (HUD/NSPIRE typically requires handrails for 4+ risers). Smoke and carbon monoxide detectors are not visible in interior images and must be assumed absent until confirmed; these are common cause of initial inspection issues. Overhead service drop and meter are present and appear intact from photos; no exposed live wiring visible. Bedroom egress, GFCI in kitchen/bath, hot water, and plumbing operation cannot be confirmed from photos and are treated as unknown risks that will require verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Central AC condensing unit visible at side of house (indicates central HVAC present) but operation and age are unknown. Electrical meter and service drop are present; panel not visible for evaluation. Kitchen plumbing and fixtures appear in good cosmetic condition (double sink). Roof shows aging shingles with dark staining and biological growth where tree canopy is heavy — roof likely near end of useful life but not showing obvious sag or active failure in photos. Water heater and interior mechanical equipment were not photographed; their condition is assumed unknown and should be verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Corner, level lot with a concrete walkway and open yard; brick exterior appears sound without visible major foundation displacement. Large mature trees overhang the roof, increasing risk of debris, clogged gutters, and potential limb damage; pruning recommended. Shrubbery is overgrown against the foundation (moisture/termite risk). A backyard shed and gazebo-like structure show weathering and some decay. Driveway/parking not clearly shown but site appears usable. No visible signs of infestation in provided photos."
}
],
"red_flags": [
"Smoke and carbon monoxide detectors not visible in photographs — common cause of initial inspection failure.",
"Roof shows aging shingles and biological staining; likely near end of service life and may require replacement in near term.",
"Large trees overhanging roof — risk of storm/limb damage and clogged drainage; pruning recommended prior to inspection.",
"Shrubbery planted tight to the foundation — moisture and pest risk; trim back to allow inspection and prevent water intrusion.",
"Backyard shed/gazebo shows visible decay and likely requires repair or removal (trip/fall or structural hazard potential)."
],
"confidence": 0.65,
"assumptions": [
"Interior smoke and CO alarms are not visible in photos and are assumed missing until confirmed; installer required if absent.",
"Central HVAC system is present (outdoor condensing unit visible) and assumed serviceable but needs operational test and filter/duct check.",
"Water heater, electrical panel, and range hood/venting exist but were not photographed; assumed present and functional pending inspection.",
"Bedrooms meet egress window size requirements unless otherwise noted on an in-person inspection.",
"Front entry door is secure; a deadbolt is assumed present or easily added if missing.",
"No active interior leaks, severe mold, or pest infestations are present unless discovered on interior inspection — exterior appearance does not indicate active leakage.",
"Steps to the porch are three risers (no handrail required by some local codes). If the inspector counts four risers, a handrail will be required.",
"Backyard shed and gazebo condition do not create immediate safety hazards to the unit interior but will require repair or removal prior to final listing/use."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2086 Cherry Ave, Hueytown, AL, 35023",
"aggregate": {
"summary": "Overall this 1957 brick ranch appears largely rent-ready with minor repairs and verification steps required. The interior kitchen and finishes look updated and serviceable; HVAC and electrical service are present. Primary inspection risks are missing/unspecified smoke/CO detectors and GFCIs, vegetation abutting the foundation, and the absence of a visible front stair handrail. The roof shows age but no visible structural failure. With routine pre-rental items (install/verify detectors, trim/remove shrubs, confirm hot water/major systems operation, minor exterior cleanup and possible handrail addition) this property has a high likelihood of passing an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 77.7,
"rationale": "Exterior and interior photos show a well-maintained brick ranch with intact siding, solid-looking windows, and an updated kitchen with stainless appliances and cabinetry. Visible issues are largely cosmetic or minor: overgrown shrubs against the house, worn front door finish, weathered roof shingles (surface staining/moss) and a small backyard shed that may need work. No collapsed surfaces, missing flooring, or severe interior damage visible. Missing/uncertain small items (outlet covers, interior paint touchups) are assumed easily fixed."
},
{
"key": "exterior_site",
"label": "Exterior, Site & Grounds",
"score": 71.7,
"rationale": "Brick exterior and foundation look sound in photos with no obvious major cracks or settling. Lot is level and corner-lot with adequate yard space; sidewalks and entry walk appear intact. Some yard cleanup required: leaf/debris removal, trimming/removal of shrubs near the foundation, and the backyard gazebo/pergola structure appears weathered and may need repair or removal. No visible evidence of infestation, but dense shrubs near foundation increase that risk. Driveway/parking not fully shown but carport/drive is implied and appears serviceable."
},
{
"key": "safety_code",
"label": "Safety & Code (NSPIRE risk)",
"score": 64.0,
"rationale": "No obvious life-threatening hazards in photos (no collapsed ceilings, no standing water, no visible major foundation movement). However several NSPIRE items are unverified: smoke/CO detectors are not visible in interior photos, GFCIs in kitchen/bath not shown, and bedroom egress windows are not photographed. Front steps do not show a handrail which could be a code/inspection item depending on step height. Vegetation is overgrown near foundation which can hide hazards/entry points for pests. Electrical service and meter appear present and intact with overhead feed; no exposed wiring observed. Because multiple required safety items are not confirmed by photos, assign a moderate risk score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Exterior shows an outdoor condensing unit (indicates central HVAC present) and an electrical meter/service. Kitchen photos show a working-range style cooktop and dishwasher (stainless appliances present). Roof shows age (staining and some shingle wear) but no visible sagging or active leaks in photos. Water heater and electrical panel are not photographed and plumbing/hot water operation is unverified. Given visible HVAC and appliances, assume systems are functional but recommend verification (service records or test) before lease."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Utilities (electric, water) can be turned on for an inspection and are serviceable; no evidence of inactive utilities in photos.",
"HVAC is operational based on presence of outdoor condensing unit; however no service records or interior HVAC photos were provided.",
"No visible interior bedrooms/bathrooms were shown other than kitchen; assume typical 2-bed/1-bath layout with legal egress windows but this must be confirmed on site.",
"Smoke and carbon monoxide detectors are not visible in photos; assume none or not verified and therefore will need installation/confirmation.",
"Electrical panel, GFCI protection, plumbing fixtures and hot water are not pictured and are assumed to be present but should be tested prior to inspection.",
"Roof staining/age indicates shingle wear but no active leaks or structural sagging are visible; assume roof is water-tight pending on-site verification.",
"Front porch steps lack a visible handrail; assume step height may require a handrail depending on local code/inspector interpretation.",
"Overgrown shrubs near foundation may conceal minor foundation/termite/moisture issues; assume none severe unless onsite inspection finds otherwise.",
"No rental history in last 5 years supplied; rental_history_activity excluded from scoring as instructed."
],
"score_method": "mean_of_criteria",
"overall_score": 70.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7112520163"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.