Property ID: 7119195841
4125 40th Ave N, Birmingham, AL, 35217
Birmingham, AL
Money Down: $17,976
CoC Return: 16.37%
Monthly Cash Flow: $245
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$14,980
Closing Costs
$2,996
Total Down
$17,976
Investment Snapshot
Purchase Price
$74,900
Money Down
$17,976
Cash-on-Cash Return
16.37%
Rent
$904
Monthly Cash Flow
$245
Annual Cash Flow
$2,942
Debt Service / Mo
$399
Property Tax / Mo
$133
Insurance / Mo
$37
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$904
Payment Standard
$1,419
Rent
$904
Insurance
$37
Property Tax
$133
Management
$90
Utilities Allowance
$515
NOI (Monthly)
$644
Debt Service
$399
Cash Flow After Debt
$245
Quality Score: 71.60%
Confidence: 92.00%
Overall this single-family home appears in good cosmetic condition with modern finishes and all major appliances present. Likely a minor-repair property for Section 8/NSPIRE: most items are fixable within a short timeframe. Primary inspection risks to address before an initial HCV inspection are: verify and install compliant smoke/CO detectors, repair/replace taped/covered exterior door/window glass, confirm no active ceiling leaks and repair any remaining water-damaged areas, and ensure required GFCI protection in kitchen/bath outlets. With those corrections (and a quick cleaning/declutter), the property is likely to pass within 1–4 weeks.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$904
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$74,900
Beds
3
Baths
2
Living Area
1,144 sqft
Lot Size
7,405 sqft
Year Built
2007
Days on Market
67
Capital Outlay
$17,976
Debt Service
$399
Property Tax / Mo
$133
Insurance / Mo
$37
Property Description
Welcome to this charming home located in a peaceful neighborhood in Birmingham. This well-maintained property presents a spacious layout with ample natural light throughout. The inviting living area flows seamlessly into a modern kitchen, appropriate for entertaining. The home features comfortable bedrooms and updated bathrooms. Outside, enjoy a private backyard, appropriate for relaxation. Conveniently located near local amenities and schools, this home is ready to welcome its new owners.
Utility Allowances
Heating
$93
Property has electric heating. 'Elec Heat: Ala Power' was selected as the most likely and most expensive electric provider option for the area.
Cooling
$22
Property has central air conditioning. 'A/C: Alabama Power' was selected as the most likely and most expensive electric provider option.
Water Heating
$56
Property has an electric water heater. 'Elec: Ala Power' was selected to be consistent with other electric utilities.
Cooking
$21
Property has an electric stove. 'Elec: Ala Power' was selected to be consistent with other electric utilities.
Other Electric
$68
Standard allowance for lights and miscellaneous electric use. 'Lights, Ref, Etc.: Ala Power' was selected for consistency, though the refrigerator is landlord-provided.
Water
$78
Property has public water. The 'Water: Birmingham' schedule was used as the property is located in Birmingham.
Sewer
$151
Property is listed as being connected to public sewer. The allowance is a fixed value from the schedule for this unit type.
Trash Collection
$20
Property is in Birmingham (Jefferson County). 'Jefferson City (Once per week)' was selected as the most appropriate default since 'Birmingham' is not an explicit option.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned microwave.
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$437
DP3 Annual Estimate$457
DP1 Monthly Equivalent$36
DP3 Monthly Equivalent$38
Replacement Value$34,800
Basis1,144 sqft / 2007
Nearby Houses
Photo unavailable
4133 40th Ave N
sold · 0.02 mi
Price: $14,000
2 bd / 1 ba · 699 sqft
Latest sale: $14,000 on Mar 12, 2018
Latest rent: —
Photo unavailable
4128 38th Ave N
sold · 0.09 mi
Price: $17,240
3 bd / 2 ba
Latest sale: $17,240 on Dec 07, 2023
Latest rent: —
Photo unavailable
4112 38th Ave N
sold · 0.10 mi
Price: $25,000
2 bd / 1 ba · 702 sqft
Latest sale: $25,000 on Nov 16, 2018
Latest rent: $550 on Aug 22, 2015
Photo unavailable
4200 38th Ave N
sold · 0.11 mi
Price: $100,000
3 bd / 1 ba · 1,228 sqft
Latest sale: $100,000 on May 20, 2024
Latest rent: $1,495 on Jun 25, 2024
Photo unavailable
4204 38th Ave N
sold · 0.12 mi
Price: $89,900
3 bd / 1 ba · 1,532 sqft
Latest sale: $89,900 on May 17, 2024
Latest rent: $1,200 on Nov 23, 2024
Risk and Criteria Detail
Red Flags
- success
- Exterior door/window covered/taped (possible broken glass/security hazard).
- No visible smoke detectors/carbon monoxide alarms in photos (NSPIRE requires working detectors).
- Ceiling discoloration/staining in multiple rooms suggesting prior water intrusion—source and repair not verified.
- GFCI protection in kitchen/bath outlets not verifiable from photos (potential code deficiency).
Assumptions
- No active roof leaks are present now; ceiling discoloration photos reflect prior but repaired leaks or minor staining.
- Central HVAC is installed and functional (vent registers visible); heating is adequate though equipment was not photographed.
- Water heater, electrical panel, and service are present and in working order but were not shown in listing photos.
- Smoke and carbon monoxide detectors are not visible in photos; assume they may be missing or not positioned to code and should be confirmed/installed.
- The covered/taped window on the exterior door indicates broken or missing glass that will require replacement.
- No major unseen structural issues (foundation movement, sagging) exist beyond what's visible in supplied photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,544 | $104,100 | $20,820 |
| 2023 | $1,560 | $107,600 | $21,520 |
| 2022 | $1,107 | $76,400 | $15,280 |
| 2021 | $1,231 | $84,900 | $16,980 |
| 2020 | $1,168 | $80,600 | $16,120 |
| 2019 | $1,231 | $84,900 | $16,980 |
| 2018 | $942 | $65,000 | $13,000 |
| 2017 | $942 | $65,000 | $13,000 |
| 2016 | $1,110 | $76,600 | $15,320 |
| 2015 | $1,178 | $81,300 | $16,260 |
| 2013 | $1,044 | $74,100 | $14,820 |
| 2012 | $1,128 | $80,050 | $16,010 |
| 2011 | $1,145 | $81,300 | $16,260 |
| 2010 | $1,145 | $81,300 | $16,260 |
| 2009 | $1,145 | $81,300 | $16,260 |
| 2008 | $1,171 | $83,200 | $16,640 |
| 2007 | $281 | $50,100 | $5,010 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-04-17 | Sold | $104,100 |
| 2022-04-22 | Sold | $47,194 |
| 2021-06-30 | Sold | $37,532 |
| 2009-04-20 | Sold | $61,935 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2022-07-22 | Listed for rent | $1,200 | — |
Photo Gallery
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"purchase_price": 74900.0,
"loan_term_years": 30,
"annual_cash_flow": 7725.88,
"mortgage_monthly": 398.65,
"payment_standard": 1419.0,
"total_amount_out": 14980.0,
"additional_photos": [
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"https://ap.rdcpix.com/88424f06cc0869f263df2eb1cb279664l-m2095254121s-w1280.jpg",
"https://ap.rdcpix.com/88424f06cc0869f263df2eb1cb279664l-m1205287214s-w1280.jpg",
"https://ap.rdcpix.com/88424f06cc0869f263df2eb1cb279664l-m2516378158s-w1280.jpg",
"https://ap.rdcpix.com/88424f06cc0869f263df2eb1cb279664l-m3527404590s-w1280.jpg",
"https://ap.rdcpix.com/88424f06cc0869f263df2eb1cb279664l-m1288011093s-w1280.jpg",
"https://ap.rdcpix.com/88424f06cc0869f263df2eb1cb279664l-m3826692855s-w1280.jpg",
"https://ap.rdcpix.com/88424f06cc0869f263df2eb1cb279664l-m4023026915s-w1280.jpg",
"https://ap.rdcpix.com/88424f06cc0869f263df2eb1cb279664l-m2881421874s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 37.25,
"monthly_cash_flow": 643.82,
"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. 'Elec Heat: Ala Power' was selected as the most likely and most expensive electric provider option for the area.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has central air conditioning. 'A/C: Alabama Power' was selected as the most likely and most expensive electric provider option.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has an electric water heater. 'Elec: Ala Power' was selected to be consistent with other electric utilities.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Property has an electric stove. 'Elec: Ala Power' was selected to be consistent with other electric utilities.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Standard allowance for lights and miscellaneous electric use. 'Lights, Ref, Etc.: Ala Power' was selected for consistency, though the refrigerator is landlord-provided.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has public water. The 'Water: Birmingham' schedule was used as the property is located in Birmingham.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is listed as being connected to public sewer. The allowance is a fixed value from the schedule for this unit type.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Property is in Birmingham (Jefferson County). 'Jefferson City (Once per week)' was selected as the most appropriate default since 'Birmingham' is not an explicit option.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned microwave.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 14980.0,
"property_tax_annual": 1590.32,
"property_tax_monthly": 132.53,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": 2942.09,
"property_management_monthly": 90.4,
"monthly_cash_flow_after_debt": 245.17,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single-family home appears in good cosmetic condition with modern finishes and all major appliances present. Likely a minor-repair property for Section 8/NSPIRE: most items are fixable within a short timeframe. Primary inspection risks to address before an initial HCV inspection are: verify and install compliant smoke/CO detectors, repair/replace taped/covered exterior door/window glass, confirm no active ceiling leaks and repair any remaining water-damaged areas, and ensure required GFCI protection in kitchen/bath outlets. With those corrections (and a quick cleaning/declutter), the property is likely to pass within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Interior photos show recent cosmetic updates (vinyl plank flooring, painted walls, updated kitchen cabinets/countertops). All major surfaces appear intact and clean. Appliances (stove, refrigerator, dishwasher, washer/dryer) are present which reduces capital needs. Minor deferred items: clutter throughout, one interior door/window appears taped/covered (possible broken glass), and some ceiling discoloration in a few rooms consistent with prior water stains. These are generally repairable without major structural work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 68.0,
"rationale": "No obvious life-threatening hazards (no collapsed ceilings, open wiring, or standing water visible). Bedrooms have windows for egress. Entry has a lockable door and porch railing present. However, smoke detectors/carbon monoxide alarms are not visible in photos (not confirmed installed), the exterior door window is covered with black material (possible broken glass/security concern), and GFCI protection in kitchen/bath outlets is not verifiable from photos. Ceiling discoloration suggests prior water intrusion — source not verified as repaired. These items create moderate inspection risk and should be verified/fixed before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 72.0,
"rationale": "Central HVAC supply/return vents are visible in photos indicating a forced-air system likely present and operational; laundry appliances are installed and kitchen appliances appear modern. No water heater, electrical panel, or furnace was photographed so condition is inferred from overall recent cosmetic updates and year built (2007). Ceiling stains indicate past roof/water issues that should be checked; no visible active leaks. Electrical/plumbing condition not directly observed but no visible exposed wiring or leaking fixtures. Reasonable to rate as generally sound but verify mechanicals and water heater prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior, site and entry condition",
"score": 76.0,
"rationale": "Exterior siding and roofline appear intact from front view; porch, steps and railing are present and appear serviceable. Yard is tidy though leaf-covered and may require basic cleanup. Foundation seems raised (crawlspace) with vents visible; no obvious major foundation cracks or sagging detected in photos. The rear/side conditions aren't shown; the laundry/exterior door has its glass covered (taped) which is a site security/repair item to address."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Exterior door/window covered/taped (possible broken glass/security hazard).",
"No visible smoke detectors/carbon monoxide alarms in photos (NSPIRE requires working detectors).",
"Ceiling discoloration/staining in multiple rooms suggesting prior water intrusion—source and repair not verified.",
"GFCI protection in kitchen/bath outlets not verifiable from photos (potential code deficiency)."
],
"confidence": 0.75,
"assumptions": [
"No active roof leaks are present now; ceiling discoloration photos reflect prior but repaired leaks or minor staining.",
"Central HVAC is installed and functional (vent registers visible); heating is adequate though equipment was not photographed.",
"Water heater, electrical panel, and service are present and in working order but were not shown in listing photos.",
"Smoke and carbon monoxide detectors are not visible in photos; assume they may be missing or not positioned to code and should be confirmed/installed.",
"The covered/taped window on the exterior door indicates broken or missing glass that will require replacement.",
"No major unseen structural issues (foundation movement, sagging) exist beyond what's visible in supplied photos."
],
"overall_score": 74.0,
"rubric_version": "1.0"
},
{
"summary": "This 3BR/2BA single-family home appears mostly updated and in generally good condition with modern finishes and functioning appliances. The home is likely rentable with minor work, but a few inspection risks must be addressed before a Housing Choice Voucher (NSPIRE) inspection: verify and install required smoke/CO detectors, repair/replace the taped/broken exterior door window, investigate and repair ceiling stains (possible roof or plumbing leak), and confirm bedroom egress sizes and GFCI protection in kitchen/bath. With those items corrected the property should pass initial inspection and be rent-ready in approximately 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently updated (LVP flooring, painted walls, modern kitchen cabinets/countertops). Appliances (fridge, stove, dishwasher) are present. Minor deferred items visible: cluttered rooms, one cabinet door left open, taped/covered exterior door window (likely broken), and ceiling discoloration stains in multiple rooms. These are mostly cosmetic or moderate repairs (replace window pane, address stains, minor touch-ups). Missing/loose trim or small cosmetic defects visible but not widespread. Overall, easy-to-fix items dominate; no large areas of exposed subfloor or collapsed elements observed."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 60.0,
"rationale": "No obvious exposed wiring, visible electrical hazards, or collapsed structures in photos. However several NSPIRE items are not visible: no smoke detectors are seen in bedrooms or common areas (required), carbon monoxide alarm presence not verified, and no clear deadbolt on exterior doors was visible (security). The exterior laundry door has its window blacked/taped (possible broken glass) which could be an egress/security concern. Ceiling stains near fixtures suggest prior or possible active roof/water intrusion that may affect ceilings/wall integrity or mold risk. Bedroom egress windows appear present but sizes are unclear — potential egress risk if too small. Plumbing fixtures appear functioning, toilets and sinks present. GFCI presence in kitchen/bath not confirmed from photos. Overall there are some inspection-level risks that require confirmation/fixes before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Central HVAC is inferred present and functional (ceiling diffusers/returns and ceiling registers visible). Washer/dryer are present and appear plumbed. Kitchen appliances present and look functional. Roof is not fully visible from images but exterior shows no obvious sagging or missing roof sections; however ceiling stains indicate there may have been leaks that need investigation/repair. Electrical panel and water heater were not shown. No visible active dripping or standing water inside. Given the home’s 2007 build and generally maintained interior, major systems likely operational but require verification (service records or inspections) and possible targeted repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding and porch appear intact; front steps have a railing and the porch light is working. Yard is unmaintained (leaf litter) but no visible standing water or severe erosion. Foundation vents and perimeter look typical; no obvious foundation cracking or large settlement visible in photos. Neighbor’s roof is rusted but not the subject property. The covered/taped exterior door window (laundry exit) is a site/safety issue that needs repair. Walkway/driveway not shown; access and off-street parking condition unknown. Overall exterior condition is serviceable with minor maintenance required."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Taped/covered exterior door window (likely broken glass) — egress/security hazard and fails safety standards until repaired.",
"Ceiling stains/discoloration in multiple rooms — possible active or prior roof/plumbing leaks that require investigation and repair.",
"No smoke detectors visible in photos — NSPIRE requires functioning smoke detectors outside sleeping areas and in each sleeping room (if not present this will cause inspection failure).",
"No visible deadbolt on entry door — may be considered a security deficiency depending on local HCV rules and inspector judgment."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational (inferred from ceiling vents/registers).",
"Water heater, electrical panel and hot water are functional though not pictured.",
"Smoke and carbon monoxide detectors are not present or not visible in photos and therefore should be confirmed/installed.",
"Taped/black-covered laundry exterior door window indicates broken or missing glazed pane that needs replacement.",
"Ceiling discoloration/stains are likely from past or current water intrusion and require investigation; severity not determinable from photos alone.",
"Bedroom windows exist and are standard single windows; egress compliance is assumed uncertain and needs measurement on site.",
"No severe mold, active leaks, collapsed ceilings, or exposed subfloor were visible; if present behind visible stains, risk would escalate."
],
"overall_score": 70.0,
"rubric_version": "1.0"
},
{
"summary": "This single-family home largely appears turnkey with recent interior updates, functioning kitchen and laundry appliances and intact exterior elements. Primary inspection risks are missing/uncertain life-safety devices (smoke/CO detectors not visible in photos), taped/covered exterior door glass, and ceiling stains that indicate prior water intrusion (needs verification for active leaks). With installation/verification of smoke/CO detectors, repair of the exterior door glass, minor touch-ups and a systems check (HVAC, hot water, electrical panel), the property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently updated with vinyl plank flooring, refreshed paint, modern kitchen cabinets and counters, and working appliances visible (stove, fridge, dishwasher). Minor cosmetic issues: some clutter, a taped/covered exterior door window, a closet door misalignment, and a few ceiling/paint stains visible above ceiling fans. No visible collapsed surfaces or major finish damage. Missing/loose outlet/cover issues not observed. Overall: minor repairs and cleaning required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No exposed wiring or obvious electrical hazards visible. Bedrooms have windows for egress and entry door and porch railing are present. However, smoke detectors and carbon-monoxide alarms are not visible in the photos (NSPIRE requires properly located detectors), GFCI receptacles in kitchen/bath not confirmed, and there are ceiling stains in multiple rooms suggesting prior water intrusion that should be verified as not active. Laundry room exterior door has a taped covering over the glass (possible security/egress/repair issue). These items create a moderate inspection risk until verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 70.0,
"rationale": "Central HVAC supply/return vents visible indicating a forced-air system; operation not verified. Kitchen appliances (stove, fridge, dishwasher) and laundry machines are present. Roof appears intact from front elevation with no visible sagging. Water heater, electrical panel and HVAC equipment not shown; condition therefore assumed typical but unverified. No visible active plumbing leaks in photos and bathrooms/kitchen fixtures appear serviceable. Recommend verifying HVAC functionality, hot water, and electrical panel labeling prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Front elevation shows intact siding, a raised block foundation with no obvious large cracks, an intact porch and railing, and functioning front steps. Yard needs cleanup (leaf/debris) but no trip hazards or standing water visible. Neighboring structures show wear but do not indicate direct site risk. The laundry room exterior door has a window covered with tape/film which is a security/repair item to address."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in photos — likely NSPIRE failure if missing in unit / sleeping areas.",
"Ceiling stains in multiple rooms (near fans) — potential water intrusion that must be investigated and repaired if active.",
"Exterior/laundry door window covered with tape/film — possible broken glass/security/egress issue requiring repair."
],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and CO alarms are not visible in photos; assume they may be missing or not in required locations and will need verification/installation.",
"Central HVAC is present (supply/return vents visible) but operational status not confirmed; assume serviceable unless inspection shows otherwise.",
"Water heater and electrical panel are present but were not photographed; assume typical condition for a 2007-built property unless inspection reveals problems.",
"Ceiling stains indicate prior water intrusion but no active leaks or structural ceiling failure are visible in photos; assume no active leak unless tenant/owner reports otherwise.",
"Taped/covered glass on laundry/exterior door likely indicates broken or missing glass or a temporary privacy measure; assume repair or replacement needed for safety/compliance.",
"Appliances visible (stove, fridge, dishwasher, washer/dryer) are present but functionality should be confirmed at inspection; missing appliances would be moderate, not catastrophic.",
"No evidence of peeling lead-risk paint, severe mold, major foundation movement, or active standing water was visible in provided photos."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4125 40th Ave N, Birmingham, AL, 35217",
"aggregate": {
"summary": "Overall this single-family home appears in good cosmetic condition with modern finishes and all major appliances present. Likely a minor-repair property for Section 8/NSPIRE: most items are fixable within a short timeframe. Primary inspection risks to address before an initial HCV inspection are: verify and install compliant smoke/CO detectors, repair/replace taped/covered exterior door/window glass, confirm no active ceiling leaks and repair any remaining water-damaged areas, and ensure required GFCI protection in kitchen/bath outlets. With those corrections (and a quick cleaning/declutter), the property is likely to pass within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 77.0,
"rationale": "Interior photos show recent cosmetic updates (vinyl plank flooring, painted walls, updated kitchen cabinets/countertops). All major surfaces appear intact and clean. Appliances (stove, refrigerator, dishwasher, washer/dryer) are present which reduces capital needs. Minor deferred items: clutter throughout, one interior door/window appears taped/covered (possible broken glass), and some ceiling discoloration in a few rooms consistent with prior water stains. These are generally repairable without major structural work."
},
{
"key": "exterior_site",
"label": "Exterior, site and entry condition",
"score": 75.3,
"rationale": "Exterior siding and roofline appear intact from front view; porch, steps and railing are present and appear serviceable. Yard is tidy though leaf-covered and may require basic cleanup. Foundation seems raised (crawlspace) with vents visible; no obvious major foundation cracks or sagging detected in photos. The rear/side conditions aren't shown; the laundry/exterior door has its glass covered (taped) which is a site security/repair item to address."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 62.7,
"rationale": "No obvious life-threatening hazards (no collapsed ceilings, open wiring, or standing water visible). Bedrooms have windows for egress. Entry has a lockable door and porch railing present. However, smoke detectors/carbon monoxide alarms are not visible in photos (not confirmed installed), the exterior door window is covered with black material (possible broken glass/security concern), and GFCI protection in kitchen/bath outlets is not verifiable from photos. Ceiling discoloration suggests prior water intrusion — source not verified as repaired. These items create moderate inspection risk and should be verified/fixed before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 70.7,
"rationale": "Central HVAC supply/return vents are visible in photos indicating a forced-air system likely present and operational; laundry appliances are installed and kitchen appliances appear modern. No water heater, electrical panel, or furnace was photographed so condition is inferred from overall recent cosmetic updates and year built (2007). Ceiling stains indicate past roof/water issues that should be checked; no visible active leaks. Electrical/plumbing condition not directly observed but no visible exposed wiring or leaking fixtures. Reasonable to rate as generally sound but verify mechanicals and water heater prior to inspection."
}
],
"red_flags": [
"Exterior door/window covered/taped (possible broken glass/security hazard).",
"No visible smoke detectors/carbon monoxide alarms in photos (NSPIRE requires working detectors).",
"Ceiling discoloration/staining in multiple rooms suggesting prior water intrusion—source and repair not verified.",
"GFCI protection in kitchen/bath outlets not verifiable from photos (potential code deficiency)."
],
"confidence": 0.92,
"assumptions": [
"No active roof leaks are present now; ceiling discoloration photos reflect prior but repaired leaks or minor staining.",
"Central HVAC is installed and functional (vent registers visible); heating is adequate though equipment was not photographed.",
"Water heater, electrical panel, and service are present and in working order but were not shown in listing photos.",
"Smoke and carbon monoxide detectors are not visible in photos; assume they may be missing or not positioned to code and should be confirmed/installed.",
"The covered/taped window on the exterior door indicates broken or missing glass that will require replacement.",
"No major unseen structural issues (foundation movement, sagging) exist beyond what's visible in supplied photos."
],
"score_method": "mean_of_criteria",
"overall_score": 71.6,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7119195841"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.