Property ID: 7124857116
2024 Cedar St, Birmingham, AL, 35217
Birmingham, AL
Money Down: $10,800
CoC Return: 68.99%
Monthly Cash Flow: $621
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$9,000
Closing Costs
$1,800
Total Down
$10,800
Investment Snapshot
Purchase Price
$45,000
Money Down
$10,800
Cash-on-Cash Return
68.99%
Rent
$1,055
Monthly Cash Flow
$621
Annual Cash Flow
$7,451
Debt Service / Mo
$240
Property Tax / Mo
$26
Insurance / Mo
$63
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,055
Payment Standard
$1,419
Rent
$1,055
Insurance
$63
Property Tax
$26
Management
$106
Utilities Allowance
$364
NOI (Monthly)
$860
Debt Service
$240
Cash Flow After Debt
$621
Quality Score: 65.70%
Confidence: 93.00%
Overall the property appears to be in fair condition and would likely pass an initial HCV/NSPIRE inspection after addressing a handful of common items: verify and install required smoke/CO detectors (including in/near bedrooms), install GFCI protection in kitchen/bath if missing, complete minor cosmetic repairs (paint, cabinet/ flooring refresh), and confirm operation of HVAC, water heater and electrical panel. The home is HUD-owned (sold as-is) and built in 1970 so lead‑based paint disclosures and possible mitigation are required. No visible structural failures were observed in photos, so with 1–4 weeks of targeted fixes and system verifications this property is likely rent‑ready for Section 8 tenancy.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$364
Guaranteed Section 8 Rent (PS - Utilities)
$1,055
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$45,000
Beds
3
Baths
1
Living Area
950 sqft
Lot Size
6,970 sqft
Year Built
1970
Days on Market
348
Capital Outlay
$10,800
Debt Service
$240
Property Tax / Mo
$26
Insurance / Mo
$63
Property Description
Cute all-brick house with a large fenced privacy-fenced back yard. The inside features hardwood flooring, an eat-in kitchen with lots of cabinets and a separate laundry room. Extra storage space in the shed. Contact your agent today to place an offer. Right of redemption may apply. Case 011-777046. Property is Owned by the US Dept. of HUD. Insurability is "IE", Subject to Appraisal. The seller makes no representations or warranties as to the property condition. HUD Homes are sold "As-Is". Equal Housing Opportunity. The seller may contribute up to 3% for buyer's closing costs, upon buyer request. Lead-based paint notices to be included in the contract. Contact your agent today to schedule a showing.
Utility Allowances
cooking
$21
Property info specifies an 'Stove-Electric'. The 'Elec: Ala Power' option was chosen as Alabama Power is a primary regional provider and it represents the most expensive electric cooking option.
cooling
$22
Property has 'Central Air'. Assumed electric provider is Alabama Power, which is a major provider in the area and the most expensive option on the schedule.
heating
$93
Property has 'Central' heating. Fuel type is assumed to be electric as the water heater and stove are electric and no gas service is mentioned. Alabama Power is the assumed provider.
other_electric
$68
Standard allowance for general electric use (lights, outlets). The 'Ala Power' option was selected, assuming it's the local provider.
range_microwave
$6
A microwave was not listed as a provided appliance, so this allowance for a tenant-owned microwave is included.
trash_collection
$20
As no specific 'Birmingham' trash provider is listed, the 'Jefferson City' option was selected as a reasonable county-level default.
water
$78
Property has 'Public Water' and is located in Birmingham, matching this explicit schedule option.
water_heating
$56
Property info lists an 'Electric Water Heater'. The 'Elec: Ala Power' option was chosen, assuming it's the local provider.
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$609
DP3 Annual Estimate$900
DP1 Monthly Equivalent$51
DP3 Monthly Equivalent$75
Replacement Value$69,600
Basis950 sqft / 1970
Nearby Houses
No nearby houses were returned.
Risk and Criteria Detail
Red Flags
- success
- Lead-based paint risk (property built 1970 and listing requires lead-based paint disclosures).
- No visible GFCI outlets in kitchen or bathroom — likely code deficiency that must be corrected.
- Smoke/CO detector coverage not verifiable in bedrooms — potential NSPIRE fail if detectors missing or improperly located.
- Critical system components (water heater, electrical panel) not photographed — their condition is unknown and could reveal inspection failures.
Assumptions
- Central HVAC exists and is functional (visible supply/return vents), but full operational status not verified in photos.
- Water heater and electrical panel are present but not shown; assumed operable until proven otherwise.
- Stove and refrigerator shown in photos are included and functional or can be made functional with minor repairs.
- Bedroom egress windows meet local code dimensions unless measured otherwise; photos are inconclusive.
- Entry door has a locking mechanism; deadbolt presence unclear and should be verified/installed if missing.
- No active roof leaks or major foundation movement exist (roof appears intact and brick foundation visible without major cracking).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $305 | $77,500 | $7,760 |
| 2023 | $466 | $77,500 | $7,760 |
| 2022 | $177 | $58,200 | $5,820 |
| 2021 | $177 | $58,200 | $5,820 |
| 2020 | $177 | $58,200 | $5,820 |
| 2019 | $350 | $58,200 | $5,820 |
| 2018 | $327 | $54,900 | $5,500 |
| 2017 | $327 | $54,900 | $5,500 |
| 2016 | $327 | $54,900 | $5,500 |
| 2015 | $327 | $54,900 | $5,500 |
| 2013 | $309 | $54,100 | $5,420 |
| 2012 | $309 | $54,080 | $5,408 |
| 2011 | $314 | $54,900 | $5,490 |
| 2010 | $314 | $54,900 | $5,490 |
| 2009 | $314 | $54,900 | $5,490 |
| 2008 | $324 | $56,300 | $5,630 |
| 2007 | $317 | $55,300 | $5,530 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-12-23 | Sold | $39,535 |
| 2001-10-09 | Sold | $554 |
Photo Gallery
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"Source Property Type: RESIDENTIAL",
"Area: Inglenook, North Bham, Norwood, Tarrant",
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"price_sqft": 1.1578947368421053,
"source_name": "TurboTenant",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1785358",
"price_change_percentage": null
},
{
"date": "2025-03-05",
"price": 45000,
"listing": {
"status": "for_sale",
"list_date": "2025-03-05T20:42:42Z",
"list_price": 45000,
"listing_id": "2979017490",
"last_update_date": "2026-02-16T01:19:09Z",
"last_status_change_date": "2025-08-26T14:42:45Z"
},
"event_name": "Listed",
"price_sqft": 47.36842105263158,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21411442",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7124857116",
"generated_at": "2026-02-16T03:09:30.603559Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.7
},
"utility_allowance": {
"zip_code": "35217",
"home_photo": "https://ap.rdcpix.com/9f0ab646582d516d798dae0e76685d79l-m3057238788s-w1280.jpg",
"rent_price": 1055.0,
"loan_amount": 36000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2024-Cedar-St_Birmingham_AL_35217_M71248-57116",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 45000.0,
"loan_term_years": 30,
"annual_cash_flow": 10325.35,
"mortgage_monthly": 239.51,
"payment_standard": 1419.0,
"total_amount_out": 9000.0,
"additional_photos": [
"https://ap.rdcpix.com/9f0ab646582d516d798dae0e76685d79l-m2309042422s-w1280.jpg",
"https://ap.rdcpix.com/9f0ab646582d516d798dae0e76685d79l-m1157965206s-w1280.jpg",
"https://ap.rdcpix.com/9f0ab646582d516d798dae0e76685d79l-m81798092s-w1280.jpg",
"https://ap.rdcpix.com/9f0ab646582d516d798dae0e76685d79l-m2965089482s-w1280.jpg",
"https://ap.rdcpix.com/9f0ab646582d516d798dae0e76685d79l-m72597595s-w1280.jpg",
"https://ap.rdcpix.com/9f0ab646582d516d798dae0e76685d79l-m2592311062s-w1280.jpg",
"https://ap.rdcpix.com/9f0ab646582d516d798dae0e76685d79l-m2868199479s-w1280.jpg",
"https://ap.rdcpix.com/9f0ab646582d516d798dae0e76685d79l-m1051100616s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 62.88,
"monthly_cash_flow": 860.45,
"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 info specifies an 'Stove-Electric'. The 'Elec: Ala Power' option was chosen as Alabama Power is a primary regional provider and it represents the most expensive electric cooking option.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Property has 'Central Air'. Assumed electric provider is Alabama Power, which is a major provider in the area and the most expensive option on the schedule.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property has 'Central' heating. Fuel type is assumed to be electric as the water heater and stove are electric and no gas service is mentioned. Alabama Power is the assumed provider.",
"utility": "heating",
"allowance": 93
},
{
"note": "Standard allowance for general electric use (lights, outlets). The 'Ala Power' option was selected, assuming it's the local provider.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "A microwave was not listed as a provided appliance, so this allowance for a tenant-owned microwave is included.",
"utility": "range_microwave",
"allowance": 6
},
{
"note": "As no specific 'Birmingham' trash provider is listed, the 'Jefferson City' option was selected as a reasonable county-level default.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "Property has 'Public Water' and is located in Birmingham, matching this explicit schedule option.",
"utility": "water",
"allowance": 78
},
{
"note": "Property info lists an 'Electric Water Heater'. The 'Elec: Ala Power' option was chosen, assuming it's the local provider.",
"utility": "water_heating",
"allowance": 56
}
],
"cash_on_cash_return": 1.15,
"down_payment_amount": 9000.0,
"property_tax_annual": 314.15,
"property_tax_monthly": 26.18,
"property_tax_increase": 0.03,
"utility_allowance_total": 364.0,
"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": 7451.24,
"property_management_monthly": 105.5,
"monthly_cash_flow_after_debt": 620.94,
"cash_on_cash_return_after_debt": 0.83
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be in fair condition and would likely pass an initial HCV/NSPIRE inspection after addressing a handful of common items: verify and install required smoke/CO detectors (including in/near bedrooms), install GFCI protection in kitchen/bath if missing, complete minor cosmetic repairs (paint, cabinet/ flooring refresh), and confirm operation of HVAC, water heater and electrical panel. The home is HUD-owned (sold as-is) and built in 1970 so lead‑based paint disclosures and possible mitigation are required. No visible structural failures were observed in photos, so with 1–4 weeks of targeted fixes and system verifications this property is likely rent‑ready for Section 8 tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows typical wear-and-tear: scuffed/marked walls, worn hardwood floors, stained/aged kitchen cabinets and flooring. Kitchen and refrigerator and stove are present (reduces penalty). No visible collapsed ceilings, large holes, or exposed subfloor. Cosmetic and medium‑scope carpentry/finish work plus cabinet and flooring refresh expected; not structural."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, standing water, visible major leaks or exposed high‑voltage wiring). A smoke/CO device is visible in a common area but bedroom detectors are not shown — risk of missing/insufficient detectors. No visible GFCI receptacles in kitchen/bath. Entry door appears intact and lockable; deadbolt presence unclear. Home built 1970 — lead‑based paint hazard documented in listing. Bathroom and bedroom windows appear to provide natural light; bedroom egress size not verified from photos. Overall moderate safety risk until detector placement and GFCI/electrical checks completed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "Visible supply/return vents indicate central HVAC servicing; condition unknown but vents intact. No water heater or electrical panel shown in photos (unknown condition). Kitchen plumbing fixtures present; no active leaks visible. Roof appears intact with no visible sagging or major missing shingles. Older electric range present (functional state unknown). Mechanical systems likely functional but require verification and possible tune/up or minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "All‑brick exterior appears sound with level roofline and intact windows. Front steps are small but lack a handrail (may or may not be required depending on riser height). Back yard reported as private fenced and a shed is present per listing. Driveway/yard show wear but no obvious drainage/erosion or foundation displacement visible from photos."
}
],
"red_flags": [
"Lead-based paint risk (property built 1970 and listing requires lead-based paint disclosures).",
"No visible GFCI outlets in kitchen or bathroom — likely code deficiency that must be corrected.",
"Smoke/CO detector coverage not verifiable in bedrooms — potential NSPIRE fail if detectors missing or improperly located.",
"Critical system components (water heater, electrical panel) not photographed — their condition is unknown and could reveal inspection failures."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is functional (visible supply/return vents), but full operational status not verified in photos.",
"Water heater and electrical panel are present but not shown; assumed operable until proven otherwise.",
"Stove and refrigerator shown in photos are included and functional or can be made functional with minor repairs.",
"Bedroom egress windows meet local code dimensions unless measured otherwise; photos are inconclusive.",
"Entry door has a locking mechanism; deadbolt presence unclear and should be verified/installed if missing.",
"No active roof leaks or major foundation movement exist (roof appears intact and brick foundation visible without major cracking)."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Likely to pass Section 8/HCV initial inspection with minor repairs and verifications. The home is structurally sound from visible photos — brick exterior, intact roofline, and no evidence of active leaks or structural movement. Primary items to address before listing for HCV include verifying HVAC operation, confirming hot water and electrical panel condition, installing/confirming smoke and CO detectors per code, adding GFCI protection at kitchen/bath as required, and addressing cosmetic repairs (floors, paint, cabinet repair). Lead-based paint disclosures apply (built 1970, HUD-owned) and will trigger required tenant notices/controls for families with children. Overall this property is rentable after 1–4 weeks of targeted work and system verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior shows worn but intact finishes — hardwood floors scuffed, cabinets visibly aged, walls with patch marks and surface damage. Kitchen appliances (stove, refrigerator) are present but old; flooring vinyl in kitchen is worn. No visible collapsed ceilings, large holes or exposed subfloor. These are mostly cosmetic and light rehab items (refinish floors, paint, cabinet refurb/replace, replace light fixtures/outlet covers, minor plumbing trim). Missing/aged appliances reduce the score moderately but do not indicate structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No visible exposed wiring, no obvious mold or active leaks, bathtub and tile appear intact. A round detection device is visible on a wall in the kitchen area but smoke/CO detector coverage and placement cannot be fully verified; carbon-monoxide presence / detectors not confirmed. GFCI protection at kitchen sink is not visible (likely missing). Bedroom egress windows are present but their clear opening sizes cannot be confirmed from photos. Entry door lock visible but no clear deadbolt shown. These are moderate NSPIRE risks that will likely require verification and some additions (install GFCI, ensure smoke/CO placement, confirm egress and add deadbolt if missing)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Central HVAC supply/return vents are visible in multiple rooms indicating a central system, but operational condition cannot be verified from photos. Roof appears intact with aging shingles and no visible sagging or active leaks. Water heater and electrical panel are not shown; plumbing fixtures in kitchen and bath are present but working status unknown. No visible signs of active plumbing failure or roof leak, but absence of system access (panel, water heater) creates moderate uncertainty and inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "All-brick exterior and foundation look sound in photos with no visible major cracks or settlement. Yard is fenced in back and includes a shed. Front walk and stoop are serviceable; landscaping is minimal and yard shows some erosion/dirt areas but no standing water. Roof shingles are aged but intact. Overall exterior condition reflects routine deferred maintenance rather than structural failure."
}
],
"red_flags": [
"Lead-based-paint risk (property built in 1970; HUD-owned — disclosure present)",
"Smoke/CO detector placement and functionality not fully verified — may fail if missing or improperly located",
"No visible GFCI-protected receptacle near kitchen sink (likely required corrective item)",
"No photo evidence of electrical panel or water heater to verify condition"
],
"confidence": 0.6,
"assumptions": [
"Central HVAC exists and vents pictured are connected to an operational system (functionality not verified).",
"Water heater, electrical panel, and sewer connections are present and functional though not photographed.",
"Kitchen and bathroom plumbing supply and drains are intact and not actively leaking (no visible stains or mold).",
"Bedroom windows provide minimum egress or can be made compliant with minimal work (no evidence of basement bedrooms).",
"Deadbolt on exterior door is not visible in photos — assume it may need to be added or verified.",
"Appliances (electric stove and refrigerator) are present but may need service or replacement; their presence reduces but does not eliminate inspection work.",
"Lead-based paint risk exists due to year built (1970); proper lead disclosures will be required and any required abatement protocols followed as applicable."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "This all-brick 3-bed, 1-bath HUD-owned house appears structurally sound from photos with mostly cosmetic and moderate repair needs. Major systems appear present (central HVAC vents visible, electrical and plumbing fixtures in place) and the kitchen includes a stove and refrigerator. Primary inspection risks are code items commonly found in older homes: possible lack of GFCI protection in kitchen/bath, uncertain quantity and placement of smoke/CO detectors, and lead-based paint risk (1970 build / HUD sale). No visible major structural or life-safety failures (no sagging, no collapsed ceilings, no standing water). Likely outcome: with targeted fixes (install/verify smoke & CO alarms in required locations, install GFCI protection where required, minor electrical/hardware fixes, paint/floor refinishing, verify HVAC and water heater operation) the property is likely to pass an initial HCV/NSPIRE inspection within 30 days. If electrical panel, HVAC, or egress windows fail to meet requirements on closer inspection, additional repairs would be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Interior shows general wear: scuffed/marked walls, worn hardwood floors, older kitchen cabinets and vinyl flooring, dated fixtures. Appliances (electric range and refrigerator) are present but older; missing dishwasher not a failure. No visible collapsed ceilings, broken structural elements, or severe water damage. These are mostly cosmetic and moderate capital repairs (refinish floors, paint, cabinet refresh, minor hardware)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "Some safety items visible but uncertain: a smoke/CO-looking device is visible near the kitchen but there is no clear evidence of smoke detectors in each bedroom or of a CO alarm. GFCI protection at kitchen/bath not evident in photos (likely absent given age). Bedroom egress windows are present but small — photos do not confirm required opening area; assume borderline compliance. Entry door has a lock but a separate deadbolt is not clearly visible. No exposed wiring, active leaks, or major trip hazards observed. Lead-based paint risk exists (1970 build) and HUD listing includes lead notices; any deteriorated painted surfaces would require remediation or stabilization."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Visible supply/return vents indicate central HVAC exists; condition and functionality not documented but vents look intact. Roof appears aged but not visibly sagging or leaking in exterior photo. Plumbing fixtures (kitchen sink, tub/shower) appear intact with no visible active leaks; water heater not shown. Electrical panel not visible; outlet covers largely present. Given visual evidence, systems appear present but unverified and may need servicing or minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "All-brick exterior appears intact with no visible foundation shifts or major cracking. Yard is usable and listing references privacy fence and shed. Walkway and small front steps show normal wear; no visible standing water, major erosion, or infestation signs. Roofing shingles look aged but intact from photos. Overall exterior condition is serviceable with light site work likely."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC present and functional (supply/return vents visible); full operational status not verified from photos.",
"Water heater and main plumbing are present and providing hot water; no active leaks observed in pictured rooms.",
"Bedroom windows meet egress size requirements or are borderline; photos do not allow precise measurement.",
"No major unseen roof leaks or foundation movement exist; exterior photos show no obvious sagging or large cracks.",
"Electrical panel is intact and serviceable though not shown; visible outlets have covers in most rooms.",
"GFCI protection in kitchen/bath is likely absent given age and lack of visible GFCI devices — assumed deficiency until verified.",
"Smoke detectors/CO alarms sufficient placement is not confirmed; at least one detector visible but additional units likely required.",
"Lead-based paint hazard is possible due to 1970 construction and HUD listing; assume disclosure applies and stabilization/abatement may be required if deteriorated paint is found."
],
"overall_score": 65.0,
"rubric_version": "2026-02-16-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2024 Cedar St, Birmingham, AL, 35217",
"aggregate": {
"summary": "Overall the property appears to be in fair condition and would likely pass an initial HCV/NSPIRE inspection after addressing a handful of common items: verify and install required smoke/CO detectors (including in/near bedrooms), install GFCI protection in kitchen/bath if missing, complete minor cosmetic repairs (paint, cabinet/ flooring refresh), and confirm operation of HVAC, water heater and electrical panel. The home is HUD-owned (sold as-is) and built in 1970 so lead‑based paint disclosures and possible mitigation are required. No visible structural failures were observed in photos, so with 1–4 weeks of targeted fixes and system verifications this property is likely rent‑ready for Section 8 tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 69.3,
"rationale": "Interior shows typical wear-and-tear: scuffed/marked walls, worn hardwood floors, stained/aged kitchen cabinets and flooring. Kitchen and refrigerator and stove are present (reduces penalty). No visible collapsed ceilings, large holes, or exposed subfloor. Cosmetic and medium‑scope carpentry/finish work plus cabinet and flooring refresh expected; not structural."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 73.3,
"rationale": "All‑brick exterior appears sound with level roofline and intact windows. Front steps are small but lack a handrail (may or may not be required depending on riser height). Back yard reported as private fenced and a shed is present per listing. Driveway/yard show wear but no obvious drainage/erosion or foundation displacement visible from photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, standing water, visible major leaks or exposed high‑voltage wiring). A smoke/CO device is visible in a common area but bedroom detectors are not shown — risk of missing/insufficient detectors. No visible GFCI receptacles in kitchen/bath. Entry door appears intact and lockable; deadbolt presence unclear. Home built 1970 — lead‑based paint hazard documented in listing. Bathroom and bedroom windows appear to provide natural light; bedroom egress size not verified from photos. Overall moderate safety risk until detector placement and GFCI/electrical checks completed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 61.7,
"rationale": "Visible supply/return vents indicate central HVAC servicing; condition unknown but vents intact. No water heater or electrical panel shown in photos (unknown condition). Kitchen plumbing fixtures present; no active leaks visible. Roof appears intact with no visible sagging or major missing shingles. Older electric range present (functional state unknown). Mechanical systems likely functional but require verification and possible tune/up or minor repairs."
}
],
"red_flags": [
"Lead-based paint risk (property built 1970 and listing requires lead-based paint disclosures).",
"No visible GFCI outlets in kitchen or bathroom — likely code deficiency that must be corrected.",
"Smoke/CO detector coverage not verifiable in bedrooms — potential NSPIRE fail if detectors missing or improperly located.",
"Critical system components (water heater, electrical panel) not photographed — their condition is unknown and could reveal inspection failures."
],
"confidence": 0.93,
"assumptions": [
"Central HVAC exists and is functional (visible supply/return vents), but full operational status not verified in photos.",
"Water heater and electrical panel are present but not shown; assumed operable until proven otherwise.",
"Stove and refrigerator shown in photos are included and functional or can be made functional with minor repairs.",
"Bedroom egress windows meet local code dimensions unless measured otherwise; photos are inconclusive.",
"Entry door has a locking mechanism; deadbolt presence unclear and should be verified/installed if missing.",
"No active roof leaks or major foundation movement exist (roof appears intact and brick foundation visible without major cracking)."
],
"score_method": "mean_of_criteria",
"overall_score": 65.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7124857116"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.