Property ID: 7132915209
2446 Ave Mont Martre, Terrytown, LA, 70056
Terrytown, LA
Money Down: $69,600
CoC Return: -6.48%
Monthly Cash Flow: $-376
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$58,000
Closing Costs
$11,600
Total Down
$69,600
Investment Snapshot
Purchase Price
$290,000
Money Down
$69,600
Cash-on-Cash Return
-6.48%
Rent
$1,656
Monthly Cash Flow
$-376
Annual Cash Flow
$-4,507
Debt Service / Mo
$1,544
Property Tax / Mo
$212
Insurance / Mo
$110
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,656
Payment Standard
$1,983
Rent
$1,656
Insurance
$110
Property Tax
$212
Management
$166
Utilities Allowance
$327
NOI (Monthly)
$1,168
Debt Service
$1,544
Cash Flow After Debt
$-376
Quality Score: 86.60%
Confidence: 95.00%
This 2016 single-family home presents as turnkey and highly likely to pass an initial Section 8/HCV (NSPIRE) inspection pending verification of a few code items. The building envelope, finishes, appliances, HVAC vents, and plumbing show no visible deficiencies. Key verifications needed before inspection: presence and battery/operation of smoke detectors (and CO alarm where required), functioning GFCI outlets in kitchen/baths, and operational HVAC and hot water. Assuming those items are correct, the unit should be rent-ready within 1–2 weeks.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$327
Guaranteed Section 8 Rent (PS - Utilities)
$1,656
Property Management
$166
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$290,000
Beds
3
Baths
2
Living Area
1,415 sqft
Lot Size
7,610 sqft
Year Built
2016
Days on Market
126
Capital Outlay
$69,600
Debt Service
$1,544
Property Tax / Mo
$212
Insurance / Mo
$110
Property Description
Turnkey perfection in an impeccably maintained 3-bed, 2-bath home in sought-after Concorde Estates! This beautiful home sits on a quiet, low-traffic street and features an open layout with granite countertops, stainless steel appliances, pantry, and updated tile, wood vinyl in bedrooms (no more carpet!), kitchen backsplash, & fixtures, as well as new under-cabinet lighting. The front yard includes a professionally designed garden with solar lights and sprinkler system, while the backyard provides an 8-ft privacy fence and a charming gazebo with string lights that will remain with the property. Additional highlights include central air, huge walk-in closet in the primary bedroom, a brand-new water heater, and electric garage. This one is a must-see!
Utility Allowances
Cooking
$17
Property photos show a smooth-top electric stove, and the schedule provides an allowance for electric cooking.
Heating
$78
The property has central heating, but the fuel type is not specified. The electric heat pump option was chosen as a common system for central air and is the more expensive choice compared to natural gas, per the rules.
Water Heating
$51
The water heater fuel type is not specified. Electric was selected as it is the more expensive option compared to natural gas and is consistent with other electric appliances in the home.
Other Electric
$67
This allowance covers general electricity usage for lighting, central air conditioning, and miscellaneous appliances.
Water
$43
The property details confirm a connection to a public water source.
Sewer
$46
The property details confirm a connection to a public sewer system.
Trash Collection
$25
Trash collection is a standard municipal service for single-family homes.
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$1,323
DP3 Annual Estimate$1,323
DP1 Monthly Equivalent$110
DP3 Monthly Equivalent$110
Replacement Value$125,000
Basis1,415 sqft / 2016
Nearby Houses
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2425 Oxford Pl Apt 106
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2425 Oxford Pl Apt 139
off_market · 0.04 mi
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701 Fairfax Dr Apt 209
off_market · 0.08 mi
Price: $70,000
2 bd / 2 ba · 1,045 sqft
Latest sale: — on Jan 28, 2026
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Photo unavailable
2312 Ashley Dr Apt 130
sold · 0.14 mi
Price: $64,900
2 bd / 2 ba · 1,210 sqft
Latest sale: — on May 06, 2024
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2424 Park Place Dr
for_sale · 0.15 mi
Price: $170,000
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714 Fairfax Dr Apt 119
for_sale · 0.16 mi
Price: $85,000
1 bd / 1 ba · 700 sqft
Latest sale: —
Latest rent: $875 on Feb 28, 2013
Photo unavailable
2433 Carol Sue Ave
off_market · 0.18 mi
Price: $384,900
4 bd / 2 ba · 1,853 sqft
Latest sale: —
Latest rent: —
Photo unavailable
828 Fairfax Dr
for_sale · 0.27 mi
Price: $250,000
4 bd / 3 ba · 2,233 sqft
Latest sale: — on Nov 09, 2017
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Property interior and exterior photos are recent and representative of current condition (no hidden recent damage).
- Listing statement that water heater is brand-new is accurate and water heater is installed and functioning.
- Central HVAC is operational (ceiling vents visible) though system operation was not directly tested in photos.
- Smoke detectors, carbon monoxide alarms (if required by local code), and GFCI protection are present as typical for a 2016 build but were not clearly visible in photos and must be verified.
- Electrical panel is in good condition and properly labeled though it is not shown in images.
- No history of flooding, roof leaks, or foundation movement beyond what is visible; absence of visible stains or structural distress indicates no major hidden water damage.
- Backyard fence and gazebo described in listing are intact and safe as stated.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,473 | $185,900 | $18,590 |
| 2024 | $2,466 | $185,900 | $18,590 |
| 2023 | $2,430 | $185,900 | $18,590 |
| 2022 | $2,368 | $185,900 | $18,590 |
| 2021 | $2,232 | $185,900 | $18,590 |
| 2020 | $2,216 | $185,900 | $18,590 |
| 2019 | $2,273 | $185,900 | $18,590 |
| 2018 | $2,123 | $185,900 | $18,590 |
| 2017 | $2,035 | $185,900 | $18,590 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2016-10-31 | Sold | — |
Photo Gallery
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"last_update_date": "2016-11-01T16:24:59Z",
"last_status_change_date": "2016-10-31T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 131.37809187279152,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": "130 days",
"source_listing_id": "2062643",
"price_change_percentage": null
},
{
"date": "2016-06-24",
"price": 185900,
"listing": {
"status": "off_market",
"list_date": "2016-06-24T07:00:00Z",
"list_price": 185900,
"listing_id": "610918923",
"last_update_date": "2016-11-01T16:24:59Z",
"last_status_change_date": "2016-10-31T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 131.37809187279152,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2062643",
"price_change_percentage": null
},
{
"date": "2016-06-23",
"price": 218900,
"listing": {
"status": "off_market",
"list_date": "2016-03-10T07:00:00Z",
"list_price": 218900,
"listing_id": "607042667",
"last_update_date": "2016-03-10T17:12:28Z",
"last_status_change_date": "2016-03-10T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 137.32747804265998,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": "105 days",
"source_listing_id": "2048835",
"price_change_percentage": null
},
{
"date": "2016-03-10",
"price": 218900,
"listing": {
"status": "off_market",
"list_date": "2016-03-10T07:00:00Z",
"list_price": 218900,
"listing_id": "607042667",
"last_update_date": "2016-03-10T17:12:28Z",
"last_status_change_date": "2016-03-10T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 137.32747804265998,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2048835",
"price_change_percentage": null
},
{
"date": "2012-11-10",
"price": 68900,
"listing": {
"status": "off_market",
"list_date": "2012-05-09T07:00:00Z",
"list_price": 68900,
"listing_id": "550336919",
"last_update_date": "2012-11-11T06:40:00Z",
"last_status_change_date": "2012-11-11T06:40:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "913758",
"price_change_percentage": null
},
{
"date": "2012-07-09",
"price": 68900,
"listing": {
"status": "off_market",
"list_date": "2012-05-09T07:00:00Z",
"list_price": 68900,
"listing_id": "550336919",
"last_update_date": "2012-11-11T06:40:00Z",
"last_status_change_date": "2012-11-11T06:40:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "913758",
"price_change_percentage": null
},
{
"date": "2012-07-07",
"price": 68900,
"listing": {
"status": "off_market",
"list_date": "2012-05-09T07:00:00Z",
"list_price": 68900,
"listing_id": "550336919",
"last_update_date": "2012-11-11T06:40:00Z",
"last_status_change_date": "2012-11-11T06:40:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": "59 days",
"source_listing_id": "913758",
"price_change_percentage": null
},
{
"date": "2012-05-09",
"price": 68900,
"listing": {
"status": "off_market",
"list_date": "2012-05-09T07:00:00Z",
"list_price": 68900,
"listing_id": "550336919",
"last_update_date": "2012-11-11T06:40:00Z",
"last_status_change_date": "2012-11-11T06:40:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "913758",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7132915209",
"generated_at": "2026-03-27T17:04:00.174328Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 86.6
},
"utility_allowance": {
"zip_code": "70056",
"home_photo": "https://ap.rdcpix.com/3c16d3416505e2297e1f81d5cdaee394l-m339864720s-w1280.jpg",
"rent_price": 1656.0,
"loan_amount": 232000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2446-Ave-Mont-Martre_Terrytown_LA_70056_M71329-15209",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 290000.0,
"loan_term_years": 30,
"annual_cash_flow": 14014.61,
"mortgage_monthly": 1543.5,
"payment_standard": 1983.0,
"total_amount_out": 58000.0,
"additional_photos": [
"https://ap.rdcpix.com/3c16d3416505e2297e1f81d5cdaee394l-m81590860s-w1280.jpg",
"https://ap.rdcpix.com/3c16d3416505e2297e1f81d5cdaee394l-m1562361356s-w1280.jpg",
"https://ap.rdcpix.com/3c16d3416505e2297e1f81d5cdaee394l-m335940396s-w1280.jpg",
"https://ap.rdcpix.com/3c16d3416505e2297e1f81d5cdaee394l-m1508155097s-w1280.jpg",
"https://ap.rdcpix.com/3c16d3416505e2297e1f81d5cdaee394l-m3237354527s-w1280.jpg",
"https://ap.rdcpix.com/3c16d3416505e2297e1f81d5cdaee394l-m3336387320s-w1280.jpg",
"https://ap.rdcpix.com/3c16d3416505e2297e1f81d5cdaee394l-m1022722581s-w1280.jpg",
"https://ap.rdcpix.com/3c16d3416505e2297e1f81d5cdaee394l-m2204638026s-w1280.jpg",
"https://ap.rdcpix.com/3c16d3416505e2297e1f81d5cdaee394l-m2440440891s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 110.25,
"monthly_cash_flow": 1167.88,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property photos show a smooth-top electric stove, and the schedule provides an allowance for electric cooking.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "The property has central heating, but the fuel type is not specified. The electric heat pump option was chosen as a common system for central air and is the more expensive choice compared to natural gas, per the rules.",
"utility": "Heating",
"allowance": 78
},
{
"note": "The water heater fuel type is not specified. Electric was selected as it is the more expensive option compared to natural gas and is consistent with other electric appliances in the home.",
"utility": "Water Heating",
"allowance": 51
},
{
"note": "This allowance covers general electricity usage for lighting, central air conditioning, and miscellaneous appliances.",
"utility": "Other Electric",
"allowance": 67
},
{
"note": "The property details confirm a connection to a public water source.",
"utility": "Water",
"allowance": 43
},
{
"note": "The property details confirm a connection to a public sewer system.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard municipal service for single-family homes.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.24,
"down_payment_amount": 58000.0,
"property_tax_annual": 2547.19,
"property_tax_monthly": 212.27,
"property_tax_increase": 0.03,
"utility_allowance_total": 327.0,
"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": -4507.41,
"property_management_monthly": 165.6,
"monthly_cash_flow_after_debt": -375.62,
"cash_on_cash_return_after_debt": -0.08
},
"section8_assessment": {
"runs": [
{
"summary": "This 2016 single-family home presents as turnkey and highly likely to pass an initial Section 8/HCV (NSPIRE) inspection pending verification of a few code items. The building envelope, finishes, appliances, HVAC vents, and plumbing show no visible deficiencies. Key verifications needed before inspection: presence and battery/operation of smoke detectors (and CO alarm where required), functioning GFCI outlets in kitchen/baths, and operational HVAC and hot water. Assuming those items are correct, the unit should be rent-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 90.0,
"rationale": "Property appears well maintained and nearly turnkey. Interior finishes (tile flooring, vinyl plank in bedrooms), cabinets, countertops, and fixtures are in good condition in photos. Stainless appliances (fridge, range, microwave, dishwasher) are present. No visible cosmetic damage, torn flooring, or water stains. Minor driveway staining and typical landscaping work are only cosmetic. Missing or broken small items not observed; any remaining small cosmetic touch-ups would be easy-to-fix capital items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 82.0,
"rationale": "No obvious life-safety hazards visible: entry door has a deadbolt, windows look egress-capable, no exposed wiring or broken stairs shown, ceilings intact, no visible mold or active leaks. Central AC registers visible. Photos do not clearly show smoke detectors, CO detector(s), GFCI outlets in kitchen/baths, or the electrical panel location; given the 2016 build and well-kept appearance it's reasonable to assume detectors/GFCIs are installed but they must be verified. Because these items are not explicitly visible, a moderate verification risk remains but nothing in the images indicates a code-level safety failure."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 85.0,
"rationale": "Listing states central air and a brand-new water heater; ceiling vents visible confirming central HVAC. Roof appears intact with no sagging or missing shingles in photos. Kitchen appliances are electric and appear modern. No visible plumbing leaks or water intrusion. Electrical panel and water heater location not shown; no evidence of system failure in images. Overall systems likely in good working order but final pass requires verification of operation of HVAC, hot water, and electrical panel labeling."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 90.0,
"rationale": "Exterior brick, siding, gutters, and roof look well maintained with even grades and a functioning 8-ft privacy fence at the backyard (listing). Driveway and walkways appear intact and free of trip hazards; front step is a single small riser with no broken handrail required. Landscaping is professionally maintained with sprinkler system (listing). No signs of standing water, foundation cracks, or pest infestation in photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Property interior and exterior photos are recent and representative of current condition (no hidden recent damage).",
"Listing statement that water heater is brand-new is accurate and water heater is installed and functioning.",
"Central HVAC is operational (ceiling vents visible) though system operation was not directly tested in photos.",
"Smoke detectors, carbon monoxide alarms (if required by local code), and GFCI protection are present as typical for a 2016 build but were not clearly visible in photos and must be verified.",
"Electrical panel is in good condition and properly labeled though it is not shown in images.",
"No history of flooding, roof leaks, or foundation movement beyond what is visible; absence of visible stains or structural distress indicates no major hidden water damage.",
"Backyard fence and gazebo described in listing are intact and safe as stated."
],
"overall_score": 87.0,
"rubric_version": "ns-preset-2026-v1"
},
{
"summary": "This property presents as turnkey and highly likely to pass an initial HCV/NSPIRE inspection with minimal preparation. The home is well maintained, with modern finishes, functioning appliances, central HVAC, and a new water heater. The primary unknowns that could trigger minor failed items are required detectors (smoke/CO) placement and GFCI verification; those are likely quick fixes. No structural or life-safety red flags are visible.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 90.0,
"rationale": "Photos and listing show a well-maintained 2016 single-family home with updated finishes: tile and vinyl flooring, granite counters, stainless appliances, painted walls, intact cabinetry and trim. No visible damaged drywall, collapsed ceilings, or significant flooring issues. Driveway and porch show minor staining only. Missing or broken appliance risk is low because appliances are present in photos. Overall cosmetic condition is excellent; only minor touch-ups (thresholds, caulk) likely required before move-in."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 80.0,
"rationale": "No visible exposed wiring, trip hazards, roof leaks, visible mold, or structural defects in exterior/interior photos. Entry door has secure lock and deadbolt visible. HVAC vents present. However smoke detectors/carbon monoxide alarms are not clearly visible in the bedrooms or corridors (one detector-like device near a ceiling corner may be present but placement/quantity unknown). GFCI outlets near sink and electrical panel are not shown. Bedroom egress windows appear to be standard but specific bedroom photos not provided. Based on age (2016) and overall condition, major safety items are unlikely but cannot be fully confirmed from photos; modest corrective items (add/verify detectors, GFCI) may be required to meet NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, plumbing, electrical & water heating",
"score": 88.0,
"rationale": "Listing notes a brand-new water heater and central air; ceiling vents visible. Roof shingles look intact with no visible sagging or missing shingles. Kitchen appliances shown are electric stainless units; dishwasher present. No signs of active leaks or water stains. Electrical panel not pictured; no visible knob-and-tube or exposed wiring. Given recent construction year (2016) and seller claims, major systems appear sound. Small uncertainty remains because the electrical panel, heater operation at time of inspection, and drainage around foundation were not inspected in photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site safety",
"score": 90.0,
"rationale": "Exterior brick facade, gutters, privacy fence and driveway appear well maintained. Professionally landscaped front yard and sprinkler system noted. 8-ft privacy fence and gazebo referenced in listing (not pictured in the shared interior shots) which improves tenant privacy and site usability. Walkway and driveway are level with no visible trip hazards. No evidence of standing water, major foundation exposure, or infestation visible in provided photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Smoke detectors and carbon monoxide alarms exist but their locations/quantity are not clearly shown; assume at least one detector is present but additional detectors or relocation may be required to meet NSPIRE placement requirements.",
"Electrical panel is standard and intact (not shown); assume modern panel consistent with 2016 construction unless inspection finds otherwise.",
"Hot water and HVAC systems are operational (listing states central air and brand-new water heater).",
"Bedrooms have standard egress windows (bedroom-specific photos not provided).",
"Gazebo and sprinkler system referenced in listing are present and in service even though not shown in supplied interior photos."
],
"overall_score": 87.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Turnkey, well-maintained 3BR/2BA single-family (built 2016) that is likely to pass an initial HCV/NSPIRE inspection with minimal work. Major systems and finishes appear in good condition (central A/C, new water heater, modern kitchen appliances, intact roof/gutters, 8-ft privacy fence). The property is rent-ready within 1–2 weeks pending verification of a few code items (CO alarm if required, GFCI outlets, and smoke alarm locations).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Photos and listing describe a 2016-built, well-maintained brick single‑family with recent updates (granite counters, stainless appliances, new water heater, vinyl plank/tile flooring). No visible cosmetic damage, peeling paint, or interior finish defects. Appliances are present (fridge, range, microwave, dishwasher). Minor, easy-to-fix items (landscaping trimming, possible touch-up caulk/threshold) are the only likely needs. No evidence of significant deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 82.0,
"rationale": "Visible indicators support code compliance: central A/C vents visible, living spaces appear to have a smoke/ alarm device visible in interior photos, entry door appears secure and likely has deadbolt hardware, windows in main rooms appear sized for egress. No exposed wiring, no visible mold, no sagging ceilings, and no standing water shown. Items not verifiable from photos: presence and location of CO alarm (required if fuel-burning appliances or attached garage venting present), GFCI protection at kitchen outlets, interior electrical panel condition, and actual bedroom egress measurements. Given the home’s age (2016) and good upkeep, major safety items are unlikely but some verifications are recommended."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 85.0,
"rationale": "Listing states central air and a brand-new water heater; HVAC vents visible in ceilings. Kitchen and other electrical appliances are modern stainless units. Roof appears intact with functioning gutters. No visible plumbing leaks or water damage. The major systems appear to be in good condition from photos and description. Unseen items: electrical panel condition, proof of hot water operation, and exact fuel type for water heater (electric vs gas), which could affect CO detector requirements."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 90.0,
"rationale": "Exterior brick veneer, gutters, driveway, front steps and landscaping are well maintained. An 8-ft privacy fence and gazebo are present in the backyard per listing. Driveway and walkways appear even with no visible trip hazards. Foundation exposure in photos does not show major cracks or settlement. Yard drainage appears typical; no standing water or erosion observed."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Smoke detectors are present and functional (visual device visible in interior photos).",
"Water heater described as 'brand-new' is operational; fuel type (electric vs gas) is not stated — assume electric but flag if gas.",
"Central HVAC is operational as advertised (vents visible and register covers intact).",
"Bedrooms have properly sized egress windows consistent with a 2016-built code-compliant home (not directly shown in all bedroom photos).",
"Electrical panel and outlet GFCI protection were not photographed; assume typical newer-construction compliance unless inspection shows otherwise.",
"No history of recent flooding, severe storms, or fire at the property (not disclosed).",
"No rental history in the last 5 years (snapshot shows missing rental events) and therefore rental_history_activity is excluded from scoring."
],
"overall_score": 86.0,
"rubric_version": "ns/p-hcv-2026-1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2446 Ave Mont Martre, Terrytown, LA, 70056",
"aggregate": {
"summary": "This 2016 single-family home presents as turnkey and highly likely to pass an initial Section 8/HCV (NSPIRE) inspection pending verification of a few code items. The building envelope, finishes, appliances, HVAC vents, and plumbing show no visible deficiencies. Key verifications needed before inspection: presence and battery/operation of smoke detectors (and CO alarm where required), functioning GFCI outlets in kitchen/baths, and operational HVAC and hot water. Assuming those items are correct, the unit should be rent-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 89.3,
"rationale": "Property appears well maintained and nearly turnkey. Interior finishes (tile flooring, vinyl plank in bedrooms), cabinets, countertops, and fixtures are in good condition in photos. Stainless appliances (fridge, range, microwave, dishwasher) are present. No visible cosmetic damage, torn flooring, or water stains. Minor driveway staining and typical landscaping work are only cosmetic. Missing or broken small items not observed; any remaining small cosmetic touch-ups would be easy-to-fix capital items."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 90.0,
"rationale": "Exterior brick, siding, gutters, and roof look well maintained with even grades and a functioning 8-ft privacy fence at the backyard (listing). Driveway and walkways appear intact and free of trip hazards; front step is a single small riser with no broken handrail required. Landscaping is professionally maintained with sprinkler system (listing). No signs of standing water, foundation cracks, or pest infestation in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 81.3,
"rationale": "No obvious life-safety hazards visible: entry door has a deadbolt, windows look egress-capable, no exposed wiring or broken stairs shown, ceilings intact, no visible mold or active leaks. Central AC registers visible. Photos do not clearly show smoke detectors, CO detector(s), GFCI outlets in kitchen/baths, or the electrical panel location; given the 2016 build and well-kept appearance it's reasonable to assume detectors/GFCIs are installed but they must be verified. Because these items are not explicitly visible, a moderate verification risk remains but nothing in the images indicates a code-level safety failure."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 86.0,
"rationale": "Listing states central air and a brand-new water heater; ceiling vents visible confirming central HVAC. Roof appears intact with no sagging or missing shingles in photos. Kitchen appliances are electric and appear modern. No visible plumbing leaks or water intrusion. Electrical panel and water heater location not shown; no evidence of system failure in images. Overall systems likely in good working order but final pass requires verification of operation of HVAC, hot water, and electrical panel labeling."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Property interior and exterior photos are recent and representative of current condition (no hidden recent damage).",
"Listing statement that water heater is brand-new is accurate and water heater is installed and functioning.",
"Central HVAC is operational (ceiling vents visible) though system operation was not directly tested in photos.",
"Smoke detectors, carbon monoxide alarms (if required by local code), and GFCI protection are present as typical for a 2016 build but were not clearly visible in photos and must be verified.",
"Electrical panel is in good condition and properly labeled though it is not shown in images.",
"No history of flooding, roof leaks, or foundation movement beyond what is visible; absence of visible stains or structural distress indicates no major hidden water damage.",
"Backyard fence and gazebo described in listing are intact and safe as stated."
],
"score_method": "mean_of_criteria",
"overall_score": 86.6,
"rubric_version": "ns-preset-2026-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7132915209"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.