106 Violet St, Metairie, LA, 70005
Metairie, LA
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 43.40%
Confidence: 88.00%
This 3BR/1BA brick house has a sound basic envelope and reasonably maintained exterior but is not inspection‑ready. The listing indicates utilities are turned off; combined with missing/undetected smoke/CO detectors and visible ceiling water staining, the property presents multiple NSPIRE safety/system failures as pictured. Substantial work required to restore utilities, remediate ceiling water damage (and possible mold), install/verify functioning smoke/CO detectors, and confirm HVAC, hot water, and electrical systems are safe and operational. Expect a failing initial HCV inspection until utilities are restored and water damage is addressed.
Property Fundamentals
Property Description
Nestled on a quiet street , this house sits on a large, sprawling lot ! The house is steps from the levee . Renovate or build your dream home on the large lot . There are no utilities on in the house.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Properties Used for Comps
Risk and Criteria Detail
Red Flags
- success
- Utilities turned off (listing explicitly states no utilities) — likely causes fails for heating, hot water, electrical.
- Ceiling staining and dark spots over kitchen area — possible active/previous leak and mold risk.
- No visible smoke detectors or CO alarms in photos — NSPIRE safety failure if absent or nonfunctional.
- Unknown/possibly nonoperational HVAC and water heater — no visible proof of working systems.
- Cracked concrete pads and driveway (trip hazard potential) and heavily cracked rear pad that may require repair.
Assumptions
- The statement 'There are no utilities on in the house' means electrical, gas (if applicable), HVAC power, and hot water are currently not operating or energized.
- Visible ceiling stains indicate prior or ongoing roof/plumbing leaks and possible mold growth in that area.
- HVAC duct vents visible imply a central system existed, but system is assumed not operational unless utilities are restored.
- Absence of visible smoke and carbon monoxide detectors in photos is treated as none present or nonfunctional.
- No major foundation or roof structural failure is present because exterior photos show level roofline and no visible settlement; interior joist/attic not inspected.
- Missing stove/fridge in photos are treated as not provided; these are repair/capital items but not single cause for fail if otherwise safe and systems working.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,663 | $211,000 | $21,100 |
| 2024 | $2,659 | $211,000 | $21,100 |
| 2023 | $2,591 | $197,000 | $19,700 |
| 2022 | $2,523 | $197,000 | $19,700 |
| 2021 | $2,344 | $197,000 | $19,700 |
| 2020 | $2,327 | $197,000 | $19,700 |
| 2019 | $2,180 | $179,500 | $17,950 |
| 2018 | $2,035 | $179,500 | $17,950 |
| 2017 | $2,035 | $179,500 | $17,950 |
| 2016 | $1,996 | $179,500 | $17,950 |
| 2015 | $1,966 | $172,600 | $17,260 |
| 2014 | $1,941 | $172,600 | $17,260 |
| 2013 | $1,941 | $172,600 | $17,260 |
| 2012 | $1,941 | $172,600 | $17,260 |
| 2011 | $1,856 | $176,300 | $17,630 |
| 2010 | $1,810 | $176,300 | $17,630 |
| 2009 | $1,810 | $176,300 | $17,630 |
| 2008 | $1,792 | — | $17,630 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-19 | Price Changed | $275,000 |
| 2025-12-03 | Price Changed | $300,000 |
| 2025-10-17 | Listed | $325,000 |
| 1976-10-01 | Sold | $0 |
Photo Gallery
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"total": 17260,
"building": 8710
}
},
{
"tax": 1941,
"year": 2013,
"market": {
"land": 85500,
"total": 172600,
"building": 87100
},
"assessment": {
"land": 8550,
"total": 17260,
"building": 8710
}
},
{
"tax": 1941,
"year": 2012,
"market": {
"land": 85500,
"total": 172600,
"building": 87100
},
"assessment": {
"land": 8550,
"total": 17260,
"building": 8710
}
},
{
"tax": 1856,
"year": 2011,
"market": {
"land": 85500,
"total": 176300,
"building": 90800
},
"assessment": {
"land": 8550,
"total": 17630,
"building": 9080
}
},
{
"tax": 1810,
"year": 2010,
"market": {
"land": 85500,
"total": 176300,
"building": 90800
},
"assessment": {
"land": 8550,
"total": 17630,
"building": 9080
}
},
{
"tax": 1810,
"year": 2009,
"market": {
"land": 85500,
"total": 176300,
"building": 90800
},
"assessment": {
"land": 8550,
"total": 17630,
"building": 9080
}
},
{
"tax": 1792,
"year": 2008,
"market": null,
"assessment": {
"land": null,
"total": 17630,
"building": null
}
}
],
"property_history": [
{
"date": "2026-01-19",
"price": 275000,
"listing": {
"status": "for_sale",
"list_date": "2025-10-17T21:59:33Z",
"list_price": 275000,
"listing_id": "2987468003",
"last_update_date": "2026-01-19T08:40:24Z",
"last_status_change_date": "2025-10-17T21:59:33Z"
},
"event_name": "Price Changed",
"price_sqft": 250,
"source_name": "NewOrleans",
"price_change": -25000,
"days_after_listed": null,
"source_listing_id": "2527053",
"price_change_percentage": null
},
{
"date": "2025-12-03",
"price": 300000,
"listing": {
"status": "for_sale",
"list_date": "2025-10-17T21:59:33Z",
"list_price": 275000,
"listing_id": "2987468003",
"last_update_date": "2026-01-19T08:40:24Z",
"last_status_change_date": "2025-10-17T21:59:33Z"
},
"event_name": "Price Changed",
"price_sqft": 272.72727272727275,
"source_name": "NewOrleans",
"price_change": -25000,
"days_after_listed": null,
"source_listing_id": "2527053",
"price_change_percentage": null
},
{
"date": "2025-10-17",
"price": 325000,
"listing": {
"status": "for_sale",
"list_date": "2025-10-17T21:59:33Z",
"list_price": 275000,
"listing_id": "2987468003",
"last_update_date": "2026-01-19T08:40:24Z",
"last_status_change_date": "2025-10-17T21:59:33Z"
},
"event_name": "Listed",
"price_sqft": 295.45454545454544,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2527053",
"price_change_percentage": null
},
{
"date": "1976-10-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"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": "7129998042",
"generated_at": "2026-03-27T02:00:58.838431Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 43.4
},
"utility_allowance": {
"zip_code": "70005",
"home_photo": "https://ap.rdcpix.com/9a409619bd4973c047e767f0208d112cl-m2219603521s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 220000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/106-Violet-St_Metairie_LA_70005_M71299-98042",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 275000.0,
"loan_term_years": 30,
"annual_cash_flow": 14545.91,
"mortgage_monthly": 1463.67,
"payment_standard": 1983.0,
"total_amount_out": 55000.0,
"additional_photos": [
"https://ap.rdcpix.com/9a409619bd4973c047e767f0208d112cl-m4238773928s-w1280.jpg",
"https://ap.rdcpix.com/9a409619bd4973c047e767f0208d112cl-m399586898s-w1280.jpg",
"https://ap.rdcpix.com/9a409619bd4973c047e767f0208d112cl-m2282683417s-w1280.jpg",
"https://ap.rdcpix.com/9a409619bd4973c047e767f0208d112cl-m1457061766s-w1280.jpg",
"https://ap.rdcpix.com/9a409619bd4973c047e767f0208d112cl-m797731990s-w1280.jpg",
"https://ap.rdcpix.com/9a409619bd4973c047e767f0208d112cl-m3721959781s-w1280.jpg",
"https://ap.rdcpix.com/9a409619bd4973c047e767f0208d112cl-m500341462s-w1280.jpg",
"https://ap.rdcpix.com/9a409619bd4973c047e767f0208d112cl-m3182655402s-w1280.jpg",
"https://ap.rdcpix.com/9a409619bd4973c047e767f0208d112cl-m3724534962s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 85.67,
"monthly_cash_flow": 1212.16,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property listing states 'Gas: Natural' is available, which is the selected fuel type for cooking. The allowance is based on the 3-bedroom rate.",
"utility": "cooking",
"allowance": 12
},
{
"note": "The property has 'Central' heating and the listing specifies 'Gas: Natural'. The allowance is based on the 3-bedroom rate for natural gas heating.",
"utility": "heating",
"allowance": 70
},
{
"note": "This is a standard allowance for general electricity (lights, outlets) and includes the cost for the property's 'Central Air' cooling system. The allowance is based on the 3-bedroom rate.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "The property listing confirms connection to a 'City' or 'Public Sewer' system. The allowance is based on the 3-bedroom rate.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard municipal service for a single-family home. The allowance is based on the fixed rate for the area.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "The property listing confirms connection to a 'Public' water source. The allowance is based on the 3-bedroom rate.",
"utility": "water",
"allowance": 43
},
{
"note": "Natural gas is available at the property for other appliances and is the most likely fuel for water heating. The allowance is based on the 3-bedroom rate for natural gas.",
"utility": "water_heating",
"allowance": 24
}
],
"cash_on_cash_return": 0.26,
"down_payment_amount": 55000.0,
"property_tax_annual": 2742.89,
"property_tax_monthly": 228.57,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"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": -3018.08,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -251.51,
"cash_on_cash_return_after_debt": -0.05
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/1BA brick house has a sound basic envelope and reasonably maintained exterior but is not inspection‑ready. The listing indicates utilities are turned off; combined with missing/undetected smoke/CO detectors and visible ceiling water staining, the property presents multiple NSPIRE safety/system failures as pictured. Substantial work required to restore utilities, remediate ceiling water damage (and possible mold), install/verify functioning smoke/CO detectors, and confirm HVAC, hot water, and electrical systems are safe and operational. Expect a failing initial HCV inspection until utilities are restored and water damage is addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 55.0,
"rationale": "Interior is largely intact but shows moderate deferred maintenance: worn/peeling cabinet faces, stained/damaged ceiling tiles, scuffed trim, and bathroom fixtures that appear dirty/aged. Tile and laminate floors appear serviceable. Missing major appliances (stove and refrigerator not visible) and cosmetic kitchen repairs are needed. No visible collapsed finishes or exposed structural framing, so repairs are primarily cosmetic and mid‑level replacements."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 35.0,
"rationale": "High inspection risk. Listing explicitly states 'no utilities on in the house' which implies no functional heating, hot water, or possibly no electrical service — all would cause a NSPIRE fail. No smoke detectors or CO alarms are visible in photos. Ceiling water staining and dark spots (possible mold) are visible in kitchen/ceiling area. Entry door hardware and deadbolt are not clearly shown. No obvious exposed live wiring in photos, but electrical panel/grounds not visible. Egress windows/doors appear present but detectors and functioning systems are likely missing, creating safety compliance issues."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 30.0,
"rationale": "Mechanical systems are unknown and likely non‑operational: seller disclosure and listing text state no utilities are on. Duct vents visible (suggest existing central HVAC) but system operation not verified. Water heater is not pictured; plumbing fixtures visible but functionality uncertain. Roof appears visually intact from photos (no obvious sag or missing shingles) but no attic or roof closeups were provided. Because utilities are off and there is ceiling staining suggesting prior leak, systems score is low."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior brick envelope appears sound with minimal visible deterioration. Yard is maintained, fences intact, and lot is large. Driveway and large rear concrete pad have significant cracking but are functional; these are primarily cosmetic/maintenance items. No standing water visible and no obvious foundation settlement or structural sagging from exterior photos. Proximity to levee noted but not a physical defect for inspection."
}
],
"red_flags": [
"Utilities turned off (listing explicitly states no utilities) — likely causes fails for heating, hot water, electrical.",
"Ceiling staining and dark spots over kitchen area — possible active/previous leak and mold risk.",
"No visible smoke detectors or CO alarms in photos — NSPIRE safety failure if absent or nonfunctional.",
"Unknown/possibly nonoperational HVAC and water heater — no visible proof of working systems.",
"Cracked concrete pads and driveway (trip hazard potential) and heavily cracked rear pad that may require repair."
],
"confidence": 0.65,
"assumptions": [
"The statement 'There are no utilities on in the house' means electrical, gas (if applicable), HVAC power, and hot water are currently not operating or energized.",
"Visible ceiling stains indicate prior or ongoing roof/plumbing leaks and possible mold growth in that area.",
"HVAC duct vents visible imply a central system existed, but system is assumed not operational unless utilities are restored.",
"Absence of visible smoke and carbon monoxide detectors in photos is treated as none present or nonfunctional.",
"No major foundation or roof structural failure is present because exterior photos show level roofline and no visible settlement; interior joist/attic not inspected.",
"Missing stove/fridge in photos are treated as not provided; these are repair/capital items but not single cause for fail if otherwise safe and systems working."
],
"overall_score": 47.0,
"rubric_version": "nspl-2026-1"
},
{
"summary": "Property shows a sound exterior brick shell and generally serviceable floors but has multiple moderate repair and safety issues and its major systems are not verified because utilities are off. Visible ceiling stains/penetrations, worn kitchen cabinetry, cracked concrete, likely missing stove/fridge, and lack of powered detectors create several inspection risks. With utilities reconnected, remediation of ceiling/water issues, installation/verification of smoke/CO/GFCI protection, and routine repairs the property could be brought to Section 8/NSPIRE compliance in roughly 30–60 days. As-is it would likely fail an initial HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 50.0,
"rationale": "Interior shows moderate deferred maintenance: stained/damaged ceiling panels, a hole/penetration near a ceiling vent, worn and delaminating kitchen cabinet faces, cabinet trim missing, scuffed bathroom fixtures, and cracked concrete on driveway/back yard slab. Flooring (tile and laminate) appears serviceable. Missing utilities and at least some missing appliances (no visible stove/fridge; dishwasher present) increase preparation time but are repair/capital items rather than structural failures. Overall condition indicates moderate repairs and cosmetic work required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 35.0,
"rationale": "Multiple NSPIRE safety items are unknown or not visible: no smoke detectors or CO alarms visible in photos, no visible GFCI outlets in kitchen/bath, and listing states 'no utilities on' (so detectors likely not powered). Ceiling stains and a hole/open fixture near the vent suggest past or potential water intrusion and possible mold risk. Ceiling fan mount appears to have missing cover (possible exposed wiring). Bathroom is dark and cluttered; toilets/fixtures may need servicing. These are safety/code risks that will likely cause initial inspection failures until addressed."
},
{
"key": "systems_mechanical",
"label": "Major systems health (HVAC, electrical, plumbing, roof, water heater)",
"score": 25.0,
"rationale": "Listing explicitly states 'no utilities on in the house' — electrical, water, and likely gas are disconnected. While central duct/registers are visible, equipment operation is unverified. No water heater or HVAC equipment visible in photos. The presence of ceiling stains indicates prior moisture events which can affect systems. Because utilities are off and systems untested, this represents a high risk for inspection until utilities are restored and systems proven functional."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Exterior brick shell appears intact with low visible structural distress. Yard appears maintained and fenced; lot is large. Driveway and rear concrete slab show significant cracking and vegetation intrusion (trip hazard). Vegetation is close to the structure in places and should be trimmed. Roof appears aged but no clear large sagging or collapsed areas visible in photos. Proximity to levee noted but not a code failure by itself."
}
],
"red_flags": [
"No utilities currently on — electrical, water, and/or gas disconnected (will fail inspection until restored).",
"Visible ceiling stains and a hole/penetration near a vent — potential water intrusion and mold risk.",
"Exposed/missing ceiling fixture cover near fan (possible electrical hazard).",
"No visible smoke detectors or carbon monoxide alarms in photos (required and likely unpowered).",
"Cracked and uneven exterior concrete (driveway/back slab) — trip hazards and deterioration that require repair."
],
"confidence": 0.6,
"assumptions": [
"Listing statement 'no utilities on in the house' is correct — electrical, water, and HVAC are currently disconnected or unpowered.",
"Central HVAC ducts/registers visible indicate a forced-air system exists but the unit is untested/off.",
"No smoke detectors or CO alarms are installed or powered (none visible in photos).",
"Kitchen has at least the dishwasher present; stove and refrigerator are likely absent or removed (none visible).",
"Ceiling stains indicate prior water intrusion; current leak status is unknown but could be latent.",
"Foundation and roof have no obvious active structural movement visible in supplied photos (no sagging or major cracks observed)."
],
"overall_score": 43.0,
"rubric_version": "nsPIRE-2026-03-v1"
},
{
"summary": "Property shows a sound brick shell and a large yard but is not inspection-ready in current condition. Interior requires moderate cosmetic and fixture repairs (kitchen, bathroom, ceiling tiles). Major inspection blockers include utilities being turned off (no demonstrable power, hot water, or operational systems), no visible smoke/CO detectors, ceiling staining (possible water intrusion/mold), and at least one exposed ceiling fixture. Exterior is generally acceptable but has cracked concrete surfaces. With utilities reconnected, systems verified, smoke/CO detectors installed, and moderate interior repairs, the property could pass NSPIRE; currently the likelihood of passing an initial HCV inspection is low to moderate.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 45.0,
"rationale": "Interior finishes show moderate deferred maintenance: kitchen cabinet faces damaged, missing/peeling trim, scuffed tile and baseboards, bathroom fixtures dirty and aged, dark staining on ceiling tiles and at least one ceiling penetrations/fixture missing. Some appliances are missing (no stove/fridge visible) although a dishwasher is present. These are primarily cosmetic and moderate-repair items that would take days-to-weeks to correct (cabinet repair/replace, install appliances, replace ceiling tiles, clean/paint). No obvious collapsed ceilings or exposed subfloor visible. Score reduced for multiple rooms requiring remediation and replacement of fixtures and finishes."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 30.0,
"rationale": "High inspection risk. Listing states 'no utilities on' so required functioning systems for inspection (working electrical power, hot water, operational plumbing, smoke/CO detectors powered) are likely absent, which is an immediate fail until restored. Photos show no visible smoke detectors, ceiling stains and black speckling suggesting possible mildew/mold where ceiling tiles are stained, and at least one ceiling light fixture/box without cover (possible exposed wiring). Bedroom egress windows appear present but smoke detectors, CO alarms, and confirmed GFCI in kitchen/bath are not evident. These items create safety/code deficiencies that must be resolved prior to passing NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical integrity",
"score": 30.0,
"rationale": "Mechanical systems status is unknown and likely non-operational because listing reports utilities are off. Vented HVAC registers/round ceiling vent present indicating a central system, but operability is unverified. No water heater or electrical panel photographed. Ceiling stains suggest past or current water infiltration which could affect roof or ductwork. Because utilities are off and critical systems (electric, plumbing, hot water, HVAC) cannot be demonstrated working, this is a significant systems risk that will prevent inspection pass until tested and/or repaired."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Exterior brick shell appears intact with no obvious major foundation movement in photos. Large lot and backyard concrete slab present. Driveway and backyard slab show substantial cracking and some unevenness (trip hazard potential) that should be addressed but are repairable. Vegetation close to the house may require trimming to avoid moisture/infestation risk. Roof appears intact from limited vantage but cannot be fully evaluated. Overall, exterior is in better condition than interior but needs attention to walkways, vegetation, and cracked concrete."
}
],
"red_flags": [
"Utilities disconnected (no power/water) — prevents demonstration of working electrical/plumbing/hot water systems (inspection fail until restored).",
"Ceiling stains and black spotting — potential active/past water intrusion and mold risk.",
"No visible smoke/CO detectors — safety/code deficiency.",
"Open/missing ceiling fixture cover(s) or exposed fixture — potential electrical hazard.",
"Multiple ceiling penetrations and aging finishes increase likelihood of hidden system issues (ducting, wiring, roof leaks)."
],
"confidence": 0.7,
"assumptions": [
"Listing statement 'There are no utilities on in the house' means electrical power and water (and possibly gas) are disconnected at time of photos.",
"No smoke or carbon monoxide detectors are present or powered unless hidden from photos.",
"Central HVAC duct/vents seen indicate presence of a system but it is likely non-operational while utilities are off; no furnace/AC equipment was visible to confirm function.",
"Ceiling staining and black speckling in photos indicate prior water intrusion and possible surface mold/mildew requiring remediation.",
"Appliances: dishwasher appears present; stove and refrigerator are not visible and assumed absent.",
"Roof appears visually intact from yard photos but detailed roof condition and electrical panel location were not provided and could hide additional issues."
],
"overall_score": 41.0,
"rubric_version": "ns_p_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "106 Violet St, Metairie, LA, 70005",
"aggregate": {
"summary": "This 3BR/1BA brick house has a sound basic envelope and reasonably maintained exterior but is not inspection‑ready. The listing indicates utilities are turned off; combined with missing/undetected smoke/CO detectors and visible ceiling water staining, the property presents multiple NSPIRE safety/system failures as pictured. Substantial work required to restore utilities, remediate ceiling water damage (and possible mold), install/verify functioning smoke/CO detectors, and confirm HVAC, hot water, and electrical systems are safe and operational. Expect a failing initial HCV inspection until utilities are restored and water damage is addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 50.0,
"rationale": "Interior is largely intact but shows moderate deferred maintenance: worn/peeling cabinet faces, stained/damaged ceiling tiles, scuffed trim, and bathroom fixtures that appear dirty/aged. Tile and laminate floors appear serviceable. Missing major appliances (stove and refrigerator not visible) and cosmetic kitchen repairs are needed. No visible collapsed finishes or exposed structural framing, so repairs are primarily cosmetic and mid‑level replacements."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.3,
"rationale": "Exterior brick envelope appears sound with minimal visible deterioration. Yard is maintained, fences intact, and lot is large. Driveway and large rear concrete pad have significant cracking but are functional; these are primarily cosmetic/maintenance items. No standing water visible and no obvious foundation settlement or structural sagging from exterior photos. Proximity to levee noted but not a physical defect for inspection."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 33.3,
"rationale": "High inspection risk. Listing explicitly states 'no utilities on in the house' which implies no functional heating, hot water, or possibly no electrical service — all would cause a NSPIRE fail. No smoke detectors or CO alarms are visible in photos. Ceiling water staining and dark spots (possible mold) are visible in kitchen/ceiling area. Entry door hardware and deadbolt are not clearly shown. No obvious exposed live wiring in photos, but electrical panel/grounds not visible. Egress windows/doors appear present but detectors and functioning systems are likely missing, creating safety compliance issues."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 28.3,
"rationale": "Mechanical systems are unknown and likely non‑operational: seller disclosure and listing text state no utilities are on. Duct vents visible (suggest existing central HVAC) but system operation not verified. Water heater is not pictured; plumbing fixtures visible but functionality uncertain. Roof appears visually intact from photos (no obvious sag or missing shingles) but no attic or roof closeups were provided. Because utilities are off and there is ceiling staining suggesting prior leak, systems score is low."
}
],
"red_flags": [
"Utilities turned off (listing explicitly states no utilities) — likely causes fails for heating, hot water, electrical.",
"Ceiling staining and dark spots over kitchen area — possible active/previous leak and mold risk.",
"No visible smoke detectors or CO alarms in photos — NSPIRE safety failure if absent or nonfunctional.",
"Unknown/possibly nonoperational HVAC and water heater — no visible proof of working systems.",
"Cracked concrete pads and driveway (trip hazard potential) and heavily cracked rear pad that may require repair."
],
"confidence": 0.88,
"assumptions": [
"The statement 'There are no utilities on in the house' means electrical, gas (if applicable), HVAC power, and hot water are currently not operating or energized.",
"Visible ceiling stains indicate prior or ongoing roof/plumbing leaks and possible mold growth in that area.",
"HVAC duct vents visible imply a central system existed, but system is assumed not operational unless utilities are restored.",
"Absence of visible smoke and carbon monoxide detectors in photos is treated as none present or nonfunctional.",
"No major foundation or roof structural failure is present because exterior photos show level roofline and no visible settlement; interior joist/attic not inspected.",
"Missing stove/fridge in photos are treated as not provided; these are repair/capital items but not single cause for fail if otherwise safe and systems working."
],
"score_method": "mean_of_criteria",
"overall_score": 43.4,
"rubric_version": "nspl-2026-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7129998042"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.