Property ID: 7130128213
631 Stratford Dr, Harahan, LA, 70123
Harahan, LA
Money Down: $71,760
CoC Return: -6.64%
Monthly Cash Flow: $-397
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,800
Closing Costs
$11,960
Total Down
$71,760
Investment Snapshot
Purchase Price
$299,000
Money Down
$71,760
Cash-on-Cash Return
-6.64%
Rent
$1,696
Monthly Cash Flow
$-397
Annual Cash Flow
$-4,764
Debt Service / Mo
$1,591
Property Tax / Mo
$215
Insurance / Mo
$117
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$117
Property Tax
$215
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,194
Debt Service
$1,591
Cash Flow After Debt
$-397
Quality Score: 74.70%
Confidence: 92.00%
Based on exterior photos and the listing, this 3-bed/2-bath brick ranch appears generally well maintained with a recently replaced roof and AC and a sound exterior/site. Likely a candidate to pass an initial HCV inspection after a short interior verification sweep (smoke/CO detectors, GFCI outlets, operable egress windows, functioning hot water and plumbing fixtures, and proper door locks). Expect minor repairs/installation tasks rather than major structural or systems rehabilitation. Recommended pre-inspection checklist: confirm smoke/CO detectors, GFCI protection, electrical panel condition, water heater operation, presence/function of heating, and lead-based paint disclosures for a 1970 build.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,000
Beds
3
Baths
2
Living Area
1,500 sqft
Lot Size
—
Year Built
1970
Days on Market
128
Capital Outlay
$71,760
Debt Service
$1,591
Property Tax / Mo
$215
Insurance / Mo
$117
Property Description
Sitting on a rare 120-foot wide front lot, this Harahan home stands out with no houses on either side-truly a unique find. Three bedrooms, two baths, a spacious laundry room, and a comfortable open floorplan makes this home an easy, livable layout. Beautiful neighborhood, great location, and room to spread out. (AC, Roof and home updated with in the last three years)
Utility Allowances
Cooking
$12
Selected 'natural_gas' as the fuel type because the property details explicitly state 'Gas: Natural'.
Heating
$70
Selected 'natural_gas' as the fuel type because the property details explicitly state 'Gas: Natural' and 'Heating Features: Central'.
Other Electric
$67
This is a standard allowance for general electricity use, including lights, outlets, and tenant-provided appliances. The property has central A/C which is covered by this allowance.
Sewer
$46
Property details explicitly state 'Sewer: City' and 'Public Sewer'.
Trash Collection
$25
Included as a standard utility for single-family residences, although not explicitly mentioned in the property details.
Water
$43
Property details explicitly state 'Water Source: Public'.
Water Heating
$24
Selected 'natural_gas' as the property has natural gas service available, making it the most probable and economical fuel for water heating.
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$1,403
DP3 Annual Estimate$1,403
DP1 Monthly Equivalent$117
DP3 Monthly Equivalent$117
Replacement Value$296,700
Basis1,500 sqft / 1970
Nearby Houses
Photo unavailable
7707 6th St
off_market · 0.05 mi
Price: $2,200
2 bd / 1 ba · 1,600 sqft
Latest sale: — on Jan 06, 2010
Latest rent: $2,250 on Aug 19, 2025
Photo unavailable
637 Roseland Pkwy
sold · 0.09 mi
Price: $239,000
2 bd / 2 ba · 1,341 sqft
Latest sale: — on Apr 21, 2021
Latest rent: —
Photo unavailable
544 Roseland Pkwy
sold · 0.17 mi
Price: $289,500
2 bd / 2 ba · 1,933 sqft
Latest sale: — on Oct 18, 2021
Latest rent: —
Photo unavailable
555 Gordon Ave
off_market · 0.21 mi
Price: $430,000
3 bd / 3 ba · 2,162 sqft
Latest sale: —
Latest rent: —
Photo unavailable
668 Oak Ave Lot 101
for_sale · 0.22 mi
Price: $335,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
768 Grove Ave
for_sale · 0.23 mi
Price: $159,000
2 bd / 1 ba · 1,125 sqft
Latest sale: —
Latest rent: —
Photo unavailable
755 Grove Ave
sold · 0.23 mi
Price: $204,900
2 bd / 1 ba · 860 sqft
Latest sale: —
Latest rent: —
Photo unavailable
513 Roseland Pkwy
off_market · 0.25 mi
Price: $265,000
4 bd / 3 ba · 1,787 sqft
Latest sale: —
Latest rent: —
Photo unavailable
746 Randolph Ave Lot 25
for_sale · 0.25 mi
Price: $250,000
— bd / — ba · 5,500 sqft
Latest sale: —
Latest rent: —
Photo unavailable
505 Roseland Pkwy
sold · 0.27 mi
Price: $235,000
2 bd / 2 ba · 1,286 sqft
Latest sale: — on Jan 19, 2024
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Potential lead-based paint exposure risk (house built 1970) — lead disclosure and paint condition must be addressed prior to occupancy if peeling paint or friction surfaces are present.
Assumptions
- Interior photos were not provided; interior condition is assumed to be typical for a maintained home and consistent with the exterior and listing claims.
- Listing claims that AC and roof were updated within the last three years are accurate and reflect serviceable components.
- Central HVAC provides both cooling and some heat (typical split system); full heating functionality is assumed but must be verified.
- No appliances (stove/fridge) are visible; missing kitchen appliances would be easy-to-fix and only moderately reduce readiness if not present.
- Smoke detectors, carbon monoxide detectors, GFCI outlets, and electrical panel condition could not be verified from photos and are assumed unknown.
- No interior plumbing leaks, water heater failure, or severe mold are present unless discovered during an interior inspection.
- Fence gates and exterior doors are operable; no hidden access or security issues are assumed beyond what is visible.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,506 | $318,500 | $31,850 |
| 2024 | $2,519 | $318,500 | $31,850 |
| 2023 | $2,617 | $318,500 | $31,850 |
| 2022 | $2,313 | $218,500 | $21,850 |
| 2021 | $1,661 | $166,200 | $16,620 |
| 2020 | $1,646 | $166,200 | $16,620 |
| 2019 | $781 | $73,100 | $7,310 |
| 2018 | $722 | $73,100 | $7,310 |
| 2017 | $664 | $73,100 | $7,310 |
| 2016 | $661 | $73,100 | $7,310 |
| 2015 | $671 | $73,100 | $7,310 |
| 2014 | $668 | $73,100 | $7,310 |
| 2013 | $683 | $73,100 | $7,310 |
| 2012 | $192 | $73,100 | $7,310 |
| 2011 | $193 | $73,100 | $7,310 |
| 2010 | $476 | $73,100 | $7,310 |
| 2009 | $669 | $73,100 | $7,310 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-12-29 | Sold | — |
| 2022-02-11 | Sold | — |
| 2019-07-11 | Sold | — |
Photo Gallery
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"total": 318500,
"building": 296700
},
"assessment": {
"land": 2180,
"total": 31850,
"building": 29670
}
},
{
"tax": 2617,
"year": 2023,
"market": {
"land": 21800,
"total": 318500,
"building": 296700
},
"assessment": {
"land": 2180,
"total": 31850,
"building": 29670
}
},
{
"tax": 2313,
"year": 2022,
"market": {
"land": 21800,
"total": 218500,
"building": 196700
},
"assessment": {
"land": 2180,
"total": 21850,
"building": 19670
}
},
{
"tax": 1661,
"year": 2021,
"market": {
"land": 21800,
"total": 166200,
"building": 144400
},
"assessment": {
"land": 2180,
"total": 16620,
"building": 14440
}
},
{
"tax": 1646,
"year": 2020,
"market": {
"land": 21800,
"total": 166200,
"building": 144400
},
"assessment": {
"land": 2180,
"total": 16620,
"building": 14440
}
},
{
"tax": 781,
"year": 2019,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
},
{
"tax": 722,
"year": 2018,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
},
{
"tax": 664,
"year": 2017,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
},
{
"tax": 661,
"year": 2016,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
},
{
"tax": 671,
"year": 2015,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
},
{
"tax": 668,
"year": 2014,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
},
{
"tax": 683,
"year": 2013,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
},
{
"tax": 192,
"year": 2012,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
},
{
"tax": 193,
"year": 2011,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
},
{
"tax": 476,
"year": 2010,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
},
{
"tax": 669,
"year": 2009,
"market": {
"land": 36100,
"total": 73100,
"building": 37000
},
"assessment": {
"land": 3610,
"total": 7310,
"building": 3700
}
}
],
"property_history": [
{
"date": "2026-01-26",
"price": 299000,
"listing": {
"status": "for_sale",
"list_date": "2025-12-01T19:08:33Z",
"list_price": 299000,
"listing_id": "2989098731",
"last_update_date": "2026-03-08T15:00:13Z",
"last_status_change_date": "2025-12-01T19:08:33Z"
},
"event_name": "Price Changed",
"price_sqft": 199.33333333333334,
"source_name": "NewOrleans",
"price_change": -20000,
"days_after_listed": null,
"source_listing_id": "2532820",
"price_change_percentage": null
},
{
"date": "2025-12-01",
"price": 319000,
"listing": {
"status": "for_sale",
"list_date": "2025-12-01T19:08:33Z",
"list_price": 299000,
"listing_id": "2989098731",
"last_update_date": "2026-03-08T15:00:13Z",
"last_status_change_date": "2025-12-01T19:08:33Z"
},
"event_name": "Listed",
"price_sqft": 212.66666666666666,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2532820",
"price_change_percentage": null
},
{
"date": "2022-12-29",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
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},
{
"date": "2022-02-11",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
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},
{
"date": "2019-07-15",
"price": 0,
"listing": null,
"event_name": "Sold",
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"source_name": "Public Record",
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},
{
"date": "2019-07-11",
"price": 0,
"listing": {
"status": "off_market",
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"list_price": 189900,
"listing_id": "2287627872",
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"last_status_change_date": "2019-12-13T18:57:58Z"
},
"event_name": "Listing removed",
"price_sqft": 0,
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2202221",
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},
{
"date": "2019-04-20",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2018-11-14T21:16:30Z",
"list_price": 215000,
"listing_id": "639518259",
"last_update_date": "2019-03-24T08:23:36Z",
"last_status_change_date": "2019-04-20T06:30:27Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2178839",
"price_change_percentage": null
},
{
"date": "2019-04-19",
"price": 215000,
"listing": {
"status": "off_market",
"list_date": "2018-11-14T21:16:30Z",
"list_price": 215000,
"listing_id": "639518259",
"last_update_date": "2019-03-24T08:23:36Z",
"last_status_change_date": "2019-04-20T06:30:27Z"
},
"event_name": "Listing removed",
"price_sqft": 162.87878787878788,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": "156 days",
"source_listing_id": "2178839",
"price_change_percentage": null
},
{
"date": "2019-03-24",
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"listing": {
"status": "off_market",
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"list_price": 215000,
"listing_id": "639518259",
"last_update_date": "2019-03-24T08:23:36Z",
"last_status_change_date": "2019-04-20T06:30:27Z"
},
"event_name": "Price Changed",
"price_sqft": 162.87878787878788,
"source_name": "NewOrleans",
"price_change": -4500,
"days_after_listed": null,
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},
{
"date": "2019-02-16",
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"listing": {
"status": "off_market",
"list_date": "2018-11-14T21:16:30Z",
"list_price": 215000,
"listing_id": "639518259",
"last_update_date": "2019-03-24T08:23:36Z",
"last_status_change_date": "2019-04-20T06:30:27Z"
},
"event_name": "Price Changed",
"price_sqft": 166.28787878787878,
"source_name": "NewOrleans",
"price_change": -5500,
"days_after_listed": null,
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},
{
"date": "2019-01-28",
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"listing": {
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"list_price": 215000,
"listing_id": "639518259",
"last_update_date": "2019-03-24T08:23:36Z",
"last_status_change_date": "2019-04-20T06:30:27Z"
},
"event_name": "Price Changed",
"price_sqft": 170.45454545454547,
"source_name": "NewOrleans",
"price_change": -2500,
"days_after_listed": null,
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},
{
"date": "2018-12-17",
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"listing": {
"status": "off_market",
"list_date": "2018-11-14T21:16:30Z",
"list_price": 215000,
"listing_id": "639518259",
"last_update_date": "2019-03-24T08:23:36Z",
"last_status_change_date": "2019-04-20T06:30:27Z"
},
"event_name": "Price Changed",
"price_sqft": 172.34848484848484,
"source_name": "NewOrleans",
"price_change": -2000,
"days_after_listed": null,
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},
{
"date": "2018-12-12",
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"listing": {
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"list_date": "2018-11-14T21:16:30Z",
"list_price": 215000,
"listing_id": "639518259",
"last_update_date": "2019-03-24T08:23:36Z",
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},
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"price_sqft": 173.86363636363637,
"source_name": "NewOrleans",
"price_change": -5000,
"days_after_listed": null,
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"price_change_percentage": null
},
{
"date": "2018-11-23",
"price": 234500,
"listing": {
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"list_date": "2018-11-14T21:16:30Z",
"list_price": 215000,
"listing_id": "639518259",
"last_update_date": "2019-03-24T08:23:36Z",
"last_status_change_date": "2019-04-20T06:30:27Z"
},
"event_name": "Price Changed",
"price_sqft": 177.65151515151516,
"source_name": "NewOrleans",
"price_change": -4500,
"days_after_listed": null,
"source_listing_id": "2178839",
"price_change_percentage": null
},
{
"date": "2018-11-14",
"price": 239000,
"listing": {
"status": "off_market",
"list_date": "2018-11-14T21:16:30Z",
"list_price": 215000,
"listing_id": "639518259",
"last_update_date": "2019-03-24T08:23:36Z",
"last_status_change_date": "2019-04-20T06:30:27Z"
},
"event_name": "Listed",
"price_sqft": 181.06060606060606,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2178839",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7130128213",
"generated_at": "2026-03-27T17:29:04.975904Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 74.7
},
"utility_allowance": {
"zip_code": "70123",
"home_photo": "https://ap.rdcpix.com/a9290858852000d58175da1fa6a1e232l-m2663679616s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 239200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/631-Stratford-Dr_Harahan_LA_70123_M71301-28213",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 299000.0,
"loan_term_years": 30,
"annual_cash_flow": 14332.62,
"mortgage_monthly": 1591.4,
"payment_standard": 1983.0,
"total_amount_out": 59800.0,
"additional_photos": [
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"https://ap.rdcpix.com/a9290858852000d58175da1fa6a1e232l-m1689540379s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 116.92,
"monthly_cash_flow": 1194.38,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'natural_gas' as the fuel type because the property details explicitly state 'Gas: Natural'.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "Selected 'natural_gas' as the fuel type because the property details explicitly state 'Gas: Natural' and 'Heating Features: Central'.",
"utility": "Heating",
"allowance": 70
},
{
"note": "This is a standard allowance for general electricity use, including lights, outlets, and tenant-provided appliances. The property has central A/C which is covered by this allowance.",
"utility": "Other Electric",
"allowance": 67
},
{
"note": "Property details explicitly state 'Sewer: City' and 'Public Sewer'.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "Included as a standard utility for single-family residences, although not explicitly mentioned in the property details.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Property details explicitly state 'Water Source: Public'.",
"utility": "Water",
"allowance": 43
},
{
"note": "Selected 'natural_gas' as the property has natural gas service available, making it the most probable and economical fuel for water heating.",
"utility": "Water Heating",
"allowance": 24
}
],
"cash_on_cash_return": 0.24,
"down_payment_amount": 59800.0,
"property_tax_annual": 2581.18,
"property_tax_monthly": 215.1,
"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": -4764.22,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -397.02,
"cash_on_cash_return_after_debt": -0.08
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and the listing, this 3-bed/2-bath brick ranch appears generally well maintained with a recently replaced roof and AC and a sound exterior/site. Likely a candidate to pass an initial HCV inspection after a short interior verification sweep (smoke/CO detectors, GFCI outlets, operable egress windows, functioning hot water and plumbing fixtures, and proper door locks). Expect minor repairs/installation tasks rather than major structural or systems rehabilitation. Recommended pre-inspection checklist: confirm smoke/CO detectors, GFCI protection, electrical panel condition, water heater operation, presence/function of heating, and lead-based paint disclosures for a 1970 build.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a well-maintained brick ranch with a clean lawn, intact siding/brick, sound driveway/carport and an intact fence. Roof and AC are reported updated within the last three years and photos corroborate a recently shingled roof and present outdoor HVAC unit. Minor yard/landscaping cleanup and backyard weed/vegetation control visible. No visible broken windows, collapsed elements, or major exterior deferred maintenance. Interior not shown; assumed typical cosmetic cleanliness. Missing interior appliances or minor fixture repairs (if any) would be easy-to-fix and should not severely impact readiness."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 65.0,
"rationale": "No active life-threatening hazards are visible from exterior photos. No collapsed ceilings, standing water, major roof failure or visible structural sag. However critical safety items required for HCV/NSPIRE (smoke detectors, carbon monoxide alarms where required, GFCI protection in kitchen/baths, electrical panel accessibility, operable egress windows, and deadbolt on entry door) cannot be confirmed from the photos. Overhead service drops appear typical with no visible exposed wiring at the exterior. Fencing and walkways look intact and not trip-hazardous. Because smoke/CO/GFCI/egress/detectable interior safety items are unknown, this reduces the score to a moderate risk level until interior verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Listing states and photos support that roof and AC were updated within the last three years; the exterior HVAC unit is present. Roof condition appears good in multiple angles. No evidence of active exterior leaks or drainage issues; grading looks reasonable. Electrical service is present (overhead feed) with no visible exterior hazards, but the electrical panel, water heater, plumbing fixtures, and interior HVAC operation are not shown and must be verified. Given recent roof/AC work and no visible mechanical distress, systems risk is moderate-low but incomplete without interior/system checks."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Large, well-kept 120-foot front lot and corner orientation provide good access and light. Concrete driveway and carport are in good condition, sidewalks intact, fence appears newer and continuous, and yard is clean. No visible foundation cracks, major erosion, or standing water. Backyard is small but fenced; some vegetation/weeds and debris visible along the back fence that would benefit from cleanup. Overall the exterior/site is in good, rent-ready condition."
}
],
"red_flags": [
"Potential lead-based paint exposure risk (house built 1970) — lead disclosure and paint condition must be addressed prior to occupancy if peeling paint or friction surfaces are present."
],
"confidence": 0.65,
"assumptions": [
"Interior photos were not provided; interior condition is assumed to be typical for a maintained home and consistent with the exterior and listing claims.",
"Listing claims that AC and roof were updated within the last three years are accurate and reflect serviceable components.",
"Central HVAC provides both cooling and some heat (typical split system); full heating functionality is assumed but must be verified.",
"No appliances (stove/fridge) are visible; missing kitchen appliances would be easy-to-fix and only moderately reduce readiness if not present.",
"Smoke detectors, carbon monoxide detectors, GFCI outlets, and electrical panel condition could not be verified from photos and are assumed unknown.",
"No interior plumbing leaks, water heater failure, or severe mold are present unless discovered during an interior inspection.",
"Fence gates and exterior doors are operable; no hidden access or security issues are assumed beyond what is visible."
],
"overall_score": 73.0,
"rubric_version": "ns_prep_v1"
},
{
"summary": "Overall this property appears to be in good, mostly turn‑key condition from exterior photos. Recent roof and AC updates and a well-maintained exterior and driveway are strong positives. Major safety and systems items that drive NSPIRE pass/fail (smoke/CO detectors, GFCI outlets, interior plumbing/hot water, electrical panel, bedroom egress) are not shown, creating moderate inspection risk. Expect mostly minor repairs and verification tasks; likely rent-ready within ~30 days if interior systems and detectors are confirmed/installed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 76.0,
"rationale": "Exterior photos show a well-maintained brick ranch with a recent-looking roof, clean siding, intact windows and a poured concrete driveway/carport. Landscaping is tidy though rear yard shows some weed growth and minor vegetation overgrowth. There are no visible exterior signs of major deferred maintenance. Interior condition is not shown; because many interior cosmetic items (paint, flooring, minor fixture replacement) are common and easy to fix, I penalized modestly for unknown interior condition but did not assume major interior damage. Missing interior photos prevent confirmation of appliances/fixtures but missing refrigerator/stove would be moderate impact only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible from exterior: no collapsed ceilings, no standing water, no visible major roof failure, no leaning/failing foundation, and no exposed high‑voltage wiring. AC unit visible and appears properly sited. However critical NSPIRE items (smoke/CO detectors, GFCI in kitchen/baths, interior trip hazards, bedroom egress size, water heater condition, functioning plumbing and hot water) are not visible in photos. Because those items are commonly missing/incorrect inside older homes, I applied a moderate safety risk deduction pending interior inspection. No visible loose guardrails or unsafe stairs externally."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, roof, electrical, plumbing)",
"score": 72.0,
"rationale": "Listing states roof and AC updated within the last three years and an exterior AC condenser is visible — both strongly favorable. Roof appears in good shape in multiple photos. Electrical service is not shown (panel inside), and water heater/plumbing fixtures are not visible. Given the visible recent roof and HVAC work, I rate systems above average but with moderate uncertainty for electrical/plumbing/water heating which require interior verification (electrical panel condition, GFCI, hot water)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 88.0,
"rationale": "Lot is very large and appears well cared-for; brick facade is intact and clean, sidewalks and driveway are in good repair, and fencing appears solid. Drainage appears normal from photos (no visible pooling). There is a solid wooden privacy fence and gate. No signs of exterior pest infestation or erosion. Minor curb cut and sidewalk aging but within normal range for a 1970 home. Overall low risk for exterior/site issues."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior photos not provided; assumed typical mid-condition interior for a maintained 1970 brick ranch (possible cosmetic updates needed but no catastrophic interior failure).",
"Listing statement that 'AC, Roof and home updated within the last three years' is accurate and the HVAC and roof are in good working condition.",
"No major hidden structural issues (sagging rooflines, foundation movement) because exterior walls and roofline appear straight and even in multiple photos.",
"Plumbing, hot water, and electrical service are functional but require on-site verification; absence of interior evidence slightly lowers safety and systems scores.",
"No evidence of active mold, severe pest infestation, or recent fire damage from photos; if present inside, that would change the assessment.",
"Fence gates and latches are functional but not separately verified; yard drainage and grading assumed typical with no chronic standing water."
],
"overall_score": 74.0,
"rubric_version": "ns-p1-v1"
},
{
"summary": "This single-family property appears generally turn-key from exterior photos: recent roof and AC (per listing) and well-maintained brick exterior, driveway and carport. Most visible issues are cosmetic (fence weathering, backyard weeds, a torn cover over a backyard feature) and should be quick to remedy. Lack of interior photos means smoke/CO detectors, GFCIs, water heater, plumbing and electrical panel cannot be confirmed — these are routine verification items for an initial HCV/NSPIRE inspection. Based on exterior evidence and the listing claims, the property is likely to pass an initial Housing Choice Voucher inspection after minor fixes and standard interior verifications; estimated time to pass is within 30 days if interior systems and detectors are compliant.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show well-maintained brick façade, recent-looking roof shingles, intact windows and a clean concrete driveway/carport. Visible deferred items are minor and cosmetic: backyard weed growth, a torn/aged cover on a backyard feature (appears to be a spa/cover or equipment) and some weathering on portions of the wooden fence. No collapsed surfaces, major rot, or active vandalism visible. No interior photos provided so missing-appliance risk cannot be verified; absence of interior evidence reduces score moderately but is not a disqualifier."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 80.0,
"rationale": "No obvious life-safety hazards visible in exterior photos: roofline appears even with no sagging, walkways and driveway are level, there are no visible collapsed ceilings, standing water, or exposed main electrical conductors on the structure. AC condensing units are present and sited outside (reduces heating/cooling hazard). Entry door appears intact and lockable. Critical interior items that affect score (smoke/CO detectors, bedroom egress windows, GFCI outlets, interior exposed wiring) are not shown — assuming typical rehab/maintenance given listing claims of recent AC/roof updates. Because the most common life-safety failures (detectors, GFCIs, open wiring) cannot be confirmed, score reflects low exterior risk but uncertainty about interior code items."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Listing states AC and roof were updated within the last three years; exterior photos show at least one outdoor AC condenser, consistent with functional HVAC. Roof shingles look recently replaced and in good visual condition from photos. No water stains or roof penetration issues visible externally. Water heater, furnace, electrical panel and interior plumbing are not visible in the images; no evidence of drainage or major plumbing failure at exterior hose bibs. Given the age of the house (built 1970) and absence of interior verification, score assumes mechanical systems are generally serviceable but flags moderate uncertainty requiring routine inspection (water heater, electrical panel, plumbing)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Large 120-ft front lot with even turf, sidewalks and curb in serviceable condition. Driveway and carport concrete appear in good repair. Perimeter fence appears mostly intact; some panels show weathering but upright and functioning. Side yards and gate access appear clear. No visible erosion, foundation exposure, major cracks in foundation, or standing water in the images. Backyard shows an area with weedy growth and a deteriorated cover over a feature (possible spa/pool equipment) that will require cleanup, but overall site is tidy and safe."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statement that AC and roof were updated within the last three years is accurate and AC outdoor unit(s) shown are functional.",
"Interior is in reasonable condition (no severe water damage, mold, collapsed ceilings) though not shown in photos; standard cosmetic repair only expected inside.",
"Smoke detectors and carbon monoxide detectors may not be visible but will need to be present and functioning before or at inspection.",
"Electrical panel, wiring and plumbing are intact and do not have active hazards; a normal serviceability check will be required.",
"The torn cover shown in the backyard is a spa/pool cover or equipment cover and represents maintenance/cleanup rather than a structural hazard.",
"No recent rental activity in last 5 years (rental_history_last_5y missing) so rental-history criterion excluded from scoring."
],
"overall_score": 77.0,
"rubric_version": "ns-p-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "631 Stratford Dr, Harahan, LA, 70123",
"aggregate": {
"summary": "Based on exterior photos and the listing, this 3-bed/2-bath brick ranch appears generally well maintained with a recently replaced roof and AC and a sound exterior/site. Likely a candidate to pass an initial HCV inspection after a short interior verification sweep (smoke/CO detectors, GFCI outlets, operable egress windows, functioning hot water and plumbing fixtures, and proper door locks). Expect minor repairs/installation tasks rather than major structural or systems rehabilitation. Recommended pre-inspection checklist: confirm smoke/CO detectors, GFCI protection, electrical panel condition, water heater operation, presence/function of heating, and lead-based paint disclosures for a 1970 build.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.3,
"rationale": "Exterior photos show a well-maintained brick ranch with a clean lawn, intact siding/brick, sound driveway/carport and an intact fence. Roof and AC are reported updated within the last three years and photos corroborate a recently shingled roof and present outdoor HVAC unit. Minor yard/landscaping cleanup and backyard weed/vegetation control visible. No visible broken windows, collapsed elements, or major exterior deferred maintenance. Interior not shown; assumed typical cosmetic cleanliness. Missing interior appliances or minor fixture repairs (if any) would be easy-to-fix and should not severely impact readiness."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 84.3,
"rationale": "Large, well-kept 120-foot front lot and corner orientation provide good access and light. Concrete driveway and carport are in good condition, sidewalks intact, fence appears newer and continuous, and yard is clean. No visible foundation cracks, major erosion, or standing water. Backyard is small but fenced; some vegetation/weeds and debris visible along the back fence that would benefit from cleanup. Overall the exterior/site is in good, rent-ready condition."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 70.0,
"rationale": "No active life-threatening hazards are visible from exterior photos. No collapsed ceilings, standing water, major roof failure or visible structural sag. However critical safety items required for HCV/NSPIRE (smoke detectors, carbon monoxide alarms where required, GFCI protection in kitchen/baths, electrical panel accessibility, operable egress windows, and deadbolt on entry door) cannot be confirmed from the photos. Overhead service drops appear typical with no visible exposed wiring at the exterior. Fencing and walkways look intact and not trip-hazardous. Because smoke/CO/GFCI/egress/detectable interior safety items are unknown, this reduces the score to a moderate risk level until interior verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 72.3,
"rationale": "Listing states and photos support that roof and AC were updated within the last three years; the exterior HVAC unit is present. Roof condition appears good in multiple angles. No evidence of active exterior leaks or drainage issues; grading looks reasonable. Electrical service is present (overhead feed) with no visible exterior hazards, but the electrical panel, water heater, plumbing fixtures, and interior HVAC operation are not shown and must be verified. Given recent roof/AC work and no visible mechanical distress, systems risk is moderate-low but incomplete without interior/system checks."
}
],
"red_flags": [
"Potential lead-based paint exposure risk (house built 1970) — lead disclosure and paint condition must be addressed prior to occupancy if peeling paint or friction surfaces are present."
],
"confidence": 0.92,
"assumptions": [
"Interior photos were not provided; interior condition is assumed to be typical for a maintained home and consistent with the exterior and listing claims.",
"Listing claims that AC and roof were updated within the last three years are accurate and reflect serviceable components.",
"Central HVAC provides both cooling and some heat (typical split system); full heating functionality is assumed but must be verified.",
"No appliances (stove/fridge) are visible; missing kitchen appliances would be easy-to-fix and only moderately reduce readiness if not present.",
"Smoke detectors, carbon monoxide detectors, GFCI outlets, and electrical panel condition could not be verified from photos and are assumed unknown.",
"No interior plumbing leaks, water heater failure, or severe mold are present unless discovered during an interior inspection.",
"Fence gates and exterior doors are operable; no hidden access or security issues are assumed beyond what is visible."
],
"score_method": "mean_of_criteria",
"overall_score": 74.7,
"rubric_version": "ns_prep_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7130128213"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.