Property ID: 7128618683
607 Terrace St, Jefferson, LA, 70121
Jefferson, LA
Money Down: $51,360
CoC Return: -3.45%
Monthly Cash Flow: $-148
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$42,800
Closing Costs
$8,560
Total Down
$51,360
Investment Snapshot
Purchase Price
$214,000
Money Down
$51,360
Cash-on-Cash Return
-3.45%
Rent
$1,303
Monthly Cash Flow
$-148
Annual Cash Flow
$-1,773
Debt Service / Mo
$1,139
Property Tax / Mo
$119
Insurance / Mo
$62
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,303
Payment Standard
$1,552
Rent
$1,303
Insurance
$62
Property Tax
$119
Management
$130
Utilities Allowance
$249
NOI (Monthly)
$991
Debt Service
$1,139
Cash Flow After Debt
$-148
Quality Score: 40.80%
Confidence: 78.00%
Likely to fail an initial Housing Choice Voucher / NSPIRE inspection in its current condition due to multiple safety and system issues (exposed electrical boxes/cover plates, missing handrail, significant kitchen ceiling damage, and a deteriorated detached garage roof). The house is a moderate-repair candidate: with prioritized safety repairs (electrical covers/repairs, install smoke/CO detectors, add handrails, replace/repair damaged ceiling and address any active leaks), plumbing/electrical/HVAC inspections and repairs, and cosmetic work, it could be brought into compliance within approximately 30–60 days. Property is being marketed AS-IS and appears to be more of a renovation/redevelopment opportunity than turnkey rental stock.
Section 8 Payment Standard
$1,552
Utility Allowance Total
$249
Guaranteed Section 8 Rent (PS - Utilities)
$1,303
Property Management
$130
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$214,000
Beds
2
Baths
1
Living Area
798 sqft
Lot Size
—
Year Built
1950
Days on Market
55
Capital Outlay
$51,360
Debt Service
$1,139
Property Tax / Mo
$119
Insurance / Mo
$62
Property Description
Excellent redevelopment opportunity in desirable Jefferson Terrace. Value is in the land and location. Property is a 2-bedroom, 1-bath true shotgun situated on a never-flooded lot, including during Hurricane Katrina. Home is being sold AS-IS with no repairs or warranties expressed or implied. Property may be suitable for renovation or new construction, subject to buyer verification. Detached garage included.
Utility Allowances
heating
$61
Selected 'natural_gas' for heating as the property has central heat and 'Gas: Natural' is listed in the utilities section.
cooking
$10
Selected 'natural_gas' for cooking as 'Gas: Natural' is listed in the property's utilities.
water_heating
$21
Selected 'natural_gas' for water heating as natural gas is available at the property and is a common fuel source for this utility.
other_electric
$57
This is a fixed allowance for general electricity usage for a 2-bedroom home, covering lighting, outlets, central air conditioning, and tenant-provided appliances.
water
$36
Selected based on the property's 'Water Source: Public' and the fixed allowance for a 2-bedroom home.
sewer
$39
Selected based on the property's 'Sewer: City' and the fixed allowance for a 2-bedroom home.
trash_collection
$25
Inferred as a standard required utility for a single-family home. The allowance is a fixed amount for the unit size.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$746
DP3 Annual Estimate$746
DP1 Monthly Equivalent$62
DP3 Monthly Equivalent$62
Replacement Value$50,200
Basis798 sqft / 1950
Nearby Houses
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Price: $325,000
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4400 Ellen St
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Price: $239,000
3 bd / 1 ba · 1,220 sqft
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540 Terrace St
for_sale · 0.12 mi
Price: $315,000
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526 Gelpi Ave
for_sale · 0.12 mi
Price: $315,000
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Latest sale: —
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532 Gelpi Ave
for_sale · 0.12 mi
Price: $220,000
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Latest sale: —
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630 Central Ave Apt 215
off_market · 0.14 mi
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Latest sale: —
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568 Central Ave
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Price: $575,000
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Latest sale: —
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671 Central Ave
off_market · 0.16 mi
Price: $985
1 bd / 1 ba
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Exposed electrical boxes and missing outlet/switch cover plates (electrical hazard).
- Missing handrail on front steps (unsafe egress, NSPIRE fail until corrected).
- Significant ceiling damage/partial plaster/lath exposure in kitchen (risk of collapse / evidence of water intrusion).
- Detached garage/outbuilding with sagging/failing roof (major exterior/structural failure).
- No visible smoke detectors or CO alarms in advertised photos.
Assumptions
- No smoke or carbon monoxide detectors are installed (none visible in photos).
- Electrical panel condition and service capacity are unknown; exposed switchboxes/cover plates in photos indicate at least localized electrical safety work required.
- No functioning central heating is assumed; ceiling vents seen may not indicate operational HVAC. Window ACs seen are supplemental and not evidence of full-system heating.
- Water heater and hot water availability not visible; assume plumbing is aged but present and may require servicing.
- Detached garage structure has a failing roof and requires repair or demolition; it is considered part of site condition.
- Listing AS-IS and marketing as redevelopment implies owner will not perform repairs prior to sale.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,390 | $110,200 | $11,020 |
| 2024 | $1,388 | $110,200 | $11,020 |
| 2023 | $1,374 | $104,500 | $10,450 |
| 2022 | $1,338 | $104,500 | $10,450 |
| 2021 | $1,243 | $104,500 | $10,450 |
| 2020 | $1,234 | $104,500 | $10,450 |
| 2019 | $1,269 | $104,500 | $10,450 |
| 2018 | $1,185 | $104,500 | $10,450 |
| 2017 | $1,185 | $104,500 | $10,450 |
| 2016 | $1,162 | $104,500 | $10,450 |
| 2015 | $1,156 | $101,500 | $10,150 |
| 2014 | $1,141 | $101,500 | $10,150 |
| 2013 | $1,141 | $101,500 | $10,150 |
| 2012 | $298 | $101,500 | $10,150 |
| 2011 | $263 | $100,000 | $10,000 |
| 2010 | $1,027 | $100,000 | $10,000 |
| 2009 | $1,027 | $100,000 | $10,000 |
| 2008 | $254 | — | $10,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-24 | Price Changed | $214,000 |
| 2026-02-13 | Listed | $229,000 |
Photo Gallery
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"note": "Selected 'natural_gas' for cooking as 'Gas: Natural' is listed in the property's utilities.",
"utility": "cooking",
"allowance": 10
},
{
"note": "Selected 'natural_gas' for water heating as natural gas is available at the property and is a common fuel source for this utility.",
"utility": "water_heating",
"allowance": 21
},
{
"note": "This is a fixed allowance for general electricity usage for a 2-bedroom home, covering lighting, outlets, central air conditioning, and tenant-provided appliances.",
"utility": "other_electric",
"allowance": 57
},
{
"note": "Selected based on the property's 'Water Source: Public' and the fixed allowance for a 2-bedroom home.",
"utility": "water",
"allowance": 36
},
{
"note": "Selected based on the property's 'Sewer: City' and the fixed allowance for a 2-bedroom home.",
"utility": "sewer",
"allowance": 39
},
{
"note": "Inferred as a standard required utility for a single-family home. The allowance is a fixed amount for the unit size.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.28,
"down_payment_amount": 42800.0,
"property_tax_annual": 1431.7,
"property_tax_monthly": 119.31,
"property_tax_increase": 0.03,
"utility_allowance_total": 249.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -1773.27,
"property_management_monthly": 130.3,
"monthly_cash_flow_after_debt": -147.77,
"cash_on_cash_return_after_debt": -0.04
},
"section8_assessment": {
"runs": [
{
"summary": "Likely to fail an initial Housing Choice Voucher / NSPIRE inspection in its current condition due to multiple safety and system issues (exposed electrical boxes/cover plates, missing handrail, significant kitchen ceiling damage, and a deteriorated detached garage roof). The house is a moderate-repair candidate: with prioritized safety repairs (electrical covers/repairs, install smoke/CO detectors, add handrails, replace/repair damaged ceiling and address any active leaks), plumbing/electrical/HVAC inspections and repairs, and cosmetic work, it could be brought into compliance within approximately 30–60 days. Property is being marketed AS-IS and appears to be more of a renovation/redevelopment opportunity than turnkey rental stock.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 50.0,
"rationale": "Interior shows worn but salvageable surfaces (hardwood floors, trim), but multiple moderate defects: missing/peeling trim, damaged vinyl tile in kitchen, visible damaged ceiling in kitchen with exposed lath/plaster, cosmetic wall damage, and aged bathroom finishes. Exterior porch steps are worn. Missing appliance condition unknown (no range/fridge shown). These are repairable but not minimal — moderate renovation required."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 35.0,
"rationale": "Multiple safety/code concerns visible: missing handrail on front steps (several risers), exposed electrical boxes and missing cover plates, ceiling damage in kitchen (risk of falling debris / evidence of past leak), no visible smoke/CO detectors in photos, window AC and penetrations with questionable sealing, and deteriorated detached garage with sagging roof. Some items are immediate NSPIRE inspection failures until corrected (handrail, exposed wiring, missing detectors)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 40.0,
"rationale": "No clear evidence of a functioning central HVAC (window AC seen in kitchen; ceiling vents visible but system condition unknown). Electrical system condition uncertain and visible exposed wiring and missing cover plates indicate likely repairs. Water heater not seen. Bathroom and kitchen plumbing fixtures present but exposed plumbing under sink and bathtub surround show age and likely need servicing. Roof on main house appears intact from exterior photos but detached garage roof is failing. Overall systems likely require inspection and moderate repair or replacement."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 55.0,
"rationale": "Lot and yard are fenced and driveway present; front steps/porch need rails; siding shows dirt/algae/mildew on one side; detached garage/outbuilding shows significant exterior deterioration and sagging roof which is a maintenance and safety concern. Walkway and driveway are usable. No evident standing water in photos; property sold AS-IS and value appears land-focused."
}
],
"red_flags": [
"Exposed electrical boxes and missing outlet/switch cover plates (electrical hazard).",
"Missing handrail on front steps (unsafe egress, NSPIRE fail until corrected).",
"Significant ceiling damage/partial plaster/lath exposure in kitchen (risk of collapse / evidence of water intrusion).",
"Detached garage/outbuilding with sagging/failing roof (major exterior/structural failure).",
"No visible smoke detectors or CO alarms in advertised photos."
],
"confidence": 0.65,
"assumptions": [
"No smoke or carbon monoxide detectors are installed (none visible in photos).",
"Electrical panel condition and service capacity are unknown; exposed switchboxes/cover plates in photos indicate at least localized electrical safety work required.",
"No functioning central heating is assumed; ceiling vents seen may not indicate operational HVAC. Window ACs seen are supplemental and not evidence of full-system heating.",
"Water heater and hot water availability not visible; assume plumbing is aged but present and may require servicing.",
"Detached garage structure has a failing roof and requires repair or demolition; it is considered part of site condition.",
"Listing AS-IS and marketing as redevelopment implies owner will not perform repairs prior to sale."
],
"overall_score": 45.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This 1950 shotgun-style home is a clear AS-IS renovation candidate. Visible conditions include intact hardwoods and usable layout but multiple issues that would likely cause an initial Housing Choice Voucher/NSPIRE inspection failure: a large kitchen ceiling/finish failure exposing lath, open electrical boxes and missing cover plates, lack of visible smoke detectors, a poorly maintained detached garage with roof failure, and signs of water intrusion and exterior siding staining. Systems (HVAC, electrical panel, water heater) are not shown or verified and should be inspected. With targeted repairs (replace/fix ceiling, correct electrical hazards, install required alarms, repair porch handrail, repair/replace garage or remove, ensure GFCIs and appliance provision) the property could be brought up to passable condition, but expect moderate renovation time and expense before Section 8 move-in approval.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 45.0,
"rationale": "Interior shows intact hardwood floors but widespread cosmetic wear, missing trim and switch plates, and vinyl tile failure in the kitchen. Kitchen ceiling has a large area with missing plaster/lath (visible structural ceiling finish failure). Bathroom fixtures are present but finish is poor and sink plumbing is exposed. Exterior porch steps and brick bases show wear; detached garage siding and roof are severely deteriorated. No kitchen appliances are shown (stove/fridge not visible) which reduces readiness but is a capital item. Overall this is a property sold AS-IS with multiple cosmetic and mid-level capital repairs required; one localized but significant ceiling/finish failure raises the repair scope beyond purely cosmetic work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code compliance risk",
"score": 35.0,
"rationale": "Multiple likely NSPIRE failures visible: no smoke detectors are visible in rooms photographed, at least one open electrical/switch box and missing cover plates exist (electrical hazard), and the kitchen ceiling has large missing finish exposing structure (possible collapse/water intrusion). Front porch steps lack a handrail (unsafe stairs), and the detached garage shows roof failure and degraded structure. GFCI protection near kitchen sink is not evident. While windows appear to provide egress in bedrooms, exposed plumbing and missing fixture covers and likely missing/damaged bedroom closet doors create trip/hazard potentials. These items would likely cause an initial inspection failure until corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 40.0,
"rationale": "Major systems are not clearly documented in photos. Ceiling vents are present in main rooms suggesting central HVAC ducting, but an active window AC unit is visible in a bedroom — indicating central HVAC may be nonfunctional or intermittent. The kitchen ceiling damage implies past or ongoing water intrusion affecting ceiling/roof or plumbing. Electrical panel, water heater, and furnace/AC equipment are not shown. Plumbing fixtures are present (toilet, tub, sink) but sink trap is exposed and finish connections are poor. Given the unknown condition of mechanical equipment and visible water/ceiling damage, systems risk is moderate-high and would require in-person verification and likely repairs."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 55.0,
"rationale": "Front yard, driveway, and lot layout are serviceable; sidewalks and driveway look intact and there is a fenced front yard. The house siding looks generally intact from the front but shows green staining/mildew along the side/rear indicating siding maintenance is needed. The detached garage at rear is in poor condition with sagging/deteriorated siding and a failing roof — potential structural/infestation risk. Porch steps have no handrail and need repair. Overall the site is usable but the garage and some siding/roof issues reduce the readiness score."
}
],
"red_flags": [
"Partial ceiling finish failure / exposed lath in kitchen (risk of collapse / active water damage).",
"Open electrical boxes / missing cover plates and exposed wiring near kitchen and other rooms (electrical hazard).",
"Detached garage with severely deteriorated siding and failing roof (major roof/structural failure on outbuilding).",
"Front porch steps lack handrail / unsafe stairs.",
"No visible smoke detectors/CO alarms in photographed areas (NSPIRE immediate fail)."
],
"confidence": 0.7,
"assumptions": [
"No working smoke detectors or CO alarms are present unless hidden from photos; none are visible in interior images.",
"Central HVAC condition is unknown — ceiling vents suggest ducting, but presence of a window AC unit implies central system may be nonfunctional or absent.",
"Electric panel and service are assumed present but not inspected; visible open switch/electrical boxes indicate at least some electrical work required.",
"Kitchen appliances (stove, refrigerator) are not present in photos and should be treated as missing unless seller provides them.",
"Kitchen ceiling finish damage is assumed to be from water intrusion or long-term deterioration and may indicate past roof or plumbing leaks that need repair and investigation.",
"Detached garage is assumed structurally compromised based on visible exterior deterioration and failing roof.",
"Hot water availability and water heater condition are unknown (water fixtures present but hot water operation unverified)."
],
"overall_score": 43.0,
"rubric_version": "nsPIRE_v1.0_photo_assessment_2026-03"
},
{
"summary": "Significant repairs required — property is not turnkey for Section 8. The home has multiple NSPIRE risk items (partially collapsed ceiling, exposed electrical components/missing covers, likely missing smoke/CO detectors, failing outbuilding roof) and shows widespread deferred maintenance. Exterior and site access are acceptable but the detached garage and interior ceiling damage raise safety and scope concerns. Expect a full safety/electrical inspection and structural/roof repairs before passing an initial HCV inspection. Estimated time-to-pass: 30–90+ days depending on extent of hidden damage uncovered during trades inspections.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 36.0,
"rationale": "Interior shows widespread deferred maintenance: partially collapsed ceiling/exposed lath in kitchen area, damaged vinyl tiles, patched/missing trim, peeling paint and wall damage around doorways, exposed plumbing under bathroom sink, stained tub surround and general finish deterioration. Exterior detached garage shows heavy paint loss and likely roof deterioration. Missing or dated appliances (no visible stove/fridge) and several missing switch/cover plates. These are a mix of cosmetic and moderate structural/finish repairs; the ceiling collapse and garage siding/roof raise scope and cost above typical cosmetic refresh."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 28.0,
"rationale": "Multiple safety risks visible: partially collapsed interior ceiling (life-safety concern), exposed electrical devices and missing outlet/switch covers, likely no GFCI-protected receptacles visible in kitchen/bath, no visible smoke/CO detectors in photos, exposed plumbing beneath sink, partial bathroom finish deterioration, and the detached garage roof appears to be failing. Bedroom egress windows appear present but not fully measured; front steps have no visible handrail and porch/steps show wear. These issues create several probable NSPIRE fail points (collapsed ceiling, electrical hazards, missing detectors, potential trip/handrail issue)."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 30.0,
"rationale": "Systems status is poorly documented in photos. There is a window AC in one room and what looks like a ceiling supply vent (ambiguity if central HVAC is present/operational). No water heater or electrical panel is shown. Kitchen/bath plumbing fixtures are present but show visible deterioration and exposed piping. Main roof shingles over the house appear intact in photos, but the detached garage roof shows clear failure. Visible electrical wiring and missing covers indicate probable need for electrical repairs/certification. Overall, systems require inspection and likely moderate repairs or replacement."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 50.0,
"rationale": "Front yard, sidewalk, driveway and chain-link fence appear serviceable and provide safe access. The main house exterior siding/roof superficially looks intact with some mildew/aging; front porch and steps show wear and need repair/paint. Detached garage and a backyard outbuilding show significant exterior deterioration and failing roofing/siding which raises cost and safety concerns. Yard drainage and foundation condition cannot be fully assessed from photos; house appears raised on piers. No obvious standing water or major foundation settlement visible from images."
}
],
"red_flags": [
"Partially collapsed/exposed interior ceiling (visible lath) — collapsed ceilings",
"Exposed electrical devices and missing outlet/switch covers — electrical hazards",
"Detached garage with failing roof and heavy exterior deterioration — major roof failure on outbuilding",
"No visible smoke/CO detectors in photos — life-safety detector absence",
"Exposed plumbing under sink and deteriorated bathroom finishes — active plumbing/fixture concerns",
"Missing GFCI protection at kitchen/bath likely — electrical safety deficiency",
"Front porch/steps without visible handrail and worn treads — potential unsafe stairs/handrail"
],
"confidence": 0.65,
"assumptions": [
"Photos represent the full interior condition; no additional hidden catastrophic damage beyond what is visible (but collapsed ceiling suggests potential localized structural or water damage).",
"No working centralized HVAC or water heater was verified; assessment assumes HVAC/water heater require confirmation and likely repairs.",
"Smoke and carbon monoxide detectors are not present or not visible in provided photos and will require installation if missing.",
"Electrical panel and service are present but not shown; exposed wiring and missing cover plates in photos indicate likely code violations requiring electrician remediation.",
"Kitchen appliances (stove/fridge) are not present or not shown; missing appliances will reduce rental readiness but are not an automatic safety failure.",
"Detached garage roof and siding are significantly deteriorated; assume repairs or demolition required.",
"No active standing water or major foundation movement was visible; severe hidden foundation issues are not assumed unless discovered in inspection."
],
"overall_score": 35.0,
"rubric_version": "nsPIRE_v1.0_photos_only_assessment"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "607 Terrace St, Jefferson, LA, 70121",
"aggregate": {
"summary": "Likely to fail an initial Housing Choice Voucher / NSPIRE inspection in its current condition due to multiple safety and system issues (exposed electrical boxes/cover plates, missing handrail, significant kitchen ceiling damage, and a deteriorated detached garage roof). The house is a moderate-repair candidate: with prioritized safety repairs (electrical covers/repairs, install smoke/CO detectors, add handrails, replace/repair damaged ceiling and address any active leaks), plumbing/electrical/HVAC inspections and repairs, and cosmetic work, it could be brought into compliance within approximately 30–60 days. Property is being marketed AS-IS and appears to be more of a renovation/redevelopment opportunity than turnkey rental stock.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 43.7,
"rationale": "Interior shows worn but salvageable surfaces (hardwood floors, trim), but multiple moderate defects: missing/peeling trim, damaged vinyl tile in kitchen, visible damaged ceiling in kitchen with exposed lath/plaster, cosmetic wall damage, and aged bathroom finishes. Exterior porch steps are worn. Missing appliance condition unknown (no range/fridge shown). These are repairable but not minimal — moderate renovation required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 53.3,
"rationale": "Lot and yard are fenced and driveway present; front steps/porch need rails; siding shows dirt/algae/mildew on one side; detached garage/outbuilding shows significant exterior deterioration and sagging roof which is a maintenance and safety concern. Walkway and driveway are usable. No evident standing water in photos; property sold AS-IS and value appears land-focused."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 32.7,
"rationale": "Multiple safety/code concerns visible: missing handrail on front steps (several risers), exposed electrical boxes and missing cover plates, ceiling damage in kitchen (risk of falling debris / evidence of past leak), no visible smoke/CO detectors in photos, window AC and penetrations with questionable sealing, and deteriorated detached garage with sagging roof. Some items are immediate NSPIRE inspection failures until corrected (handrail, exposed wiring, missing detectors)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 36.7,
"rationale": "No clear evidence of a functioning central HVAC (window AC seen in kitchen; ceiling vents visible but system condition unknown). Electrical system condition uncertain and visible exposed wiring and missing cover plates indicate likely repairs. Water heater not seen. Bathroom and kitchen plumbing fixtures present but exposed plumbing under sink and bathtub surround show age and likely need servicing. Roof on main house appears intact from exterior photos but detached garage roof is failing. Overall systems likely require inspection and moderate repair or replacement."
}
],
"red_flags": [
"Exposed electrical boxes and missing outlet/switch cover plates (electrical hazard).",
"Missing handrail on front steps (unsafe egress, NSPIRE fail until corrected).",
"Significant ceiling damage/partial plaster/lath exposure in kitchen (risk of collapse / evidence of water intrusion).",
"Detached garage/outbuilding with sagging/failing roof (major exterior/structural failure).",
"No visible smoke detectors or CO alarms in advertised photos."
],
"confidence": 0.78,
"assumptions": [
"No smoke or carbon monoxide detectors are installed (none visible in photos).",
"Electrical panel condition and service capacity are unknown; exposed switchboxes/cover plates in photos indicate at least localized electrical safety work required.",
"No functioning central heating is assumed; ceiling vents seen may not indicate operational HVAC. Window ACs seen are supplemental and not evidence of full-system heating.",
"Water heater and hot water availability not visible; assume plumbing is aged but present and may require servicing.",
"Detached garage structure has a failing roof and requires repair or demolition; it is considered part of site condition.",
"Listing AS-IS and marketing as redevelopment implies owner will not perform repairs prior to sale."
],
"score_method": "mean_of_criteria",
"overall_score": 40.8,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7128618683"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.