Property ID: 7152723390
3029 21st Street Ensley, Birmingham, AL, 35208
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$3,680
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$92,000
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 66.50%
Confidence: 88.00%
This 3-bed/2-bath 1952 single-family shows generally good cosmetic condition and appears rentable with minor repairs. Primary issues affecting NSPIRE readiness are lack of evidence of smoke/CO detectors, likely absence of GFCI-protected kitchen outlets, potential egress concerns from security bars on windows, and unknown age/condition of HVAC, water heater and electrical panel. Most items appear to be repairs or code-compliance fixes rather than structural failures. Tenant in place (lease through May 31, 2026) will affect ability to perform inspections or immediate repairs prior to turnover.
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$92,000
Beds
3
Baths
2
Living Area
1,031 sqft
Lot Size
8,276 sqft
Year Built
1952
Days on Market
13
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Sale Subject to Existing Lease (expiring May 31, 2026)- No Early Termination Representation- No Seller Repair Obligation (unless expressly agreed in writing)- No Warranty of Tenant Cooperation beyond statutory obligations- Buyer Assumes All Landlord Obligations at Closing- Buyer Indemnification for Any Tenant-Related Claims Post-Closing. 3 bed / 2 bath home with a tenant in place.
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$536
DP3 Annual Estimate$808
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$67
Replacement Value$53,100
Basis1,031 sqft / 1952
Nearby Houses
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Latest rent: —
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1704 4th Ave W
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1704 W 4th Ct
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Price: $231,500
5 bd / 3 ba · 2,270 sqft
Latest sale: $231,500
Latest rent: —
Photo unavailable
2009 Fayette Ave Lot 1
sold · 0.09 mi
Price: $9,500
— bd / — ba
Latest sale: $9,500
Latest rent: —
Photo unavailable
2849 20th St W
sold · 0.13 mi
Price: $55,000
3 bd / 2 ba · 3,558 sqft
Latest sale: $55,000
Latest rent: —
Photo unavailable
465 Border St
sold · 0.13 mi
Price: $167,000
3 bd / 2 ba · 1,744 sqft
Latest sale: $167,000
Latest rent: —
Photo unavailable
1609 W 4th Ave W Lot 11-16
sold · 0.13 mi
Price: $45,000
— bd / — ba
Latest sale: $45,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- No visible smoke detectors or CO alarm in photos — NSPIRE fail if absent.
- Kitchen GFCI protection not evident near sink — potential electrical code failure.
- Security bars on front/side windows could block emergency egress for bedrooms.
- Large mature tree immediately adjacent to house — elevated risk of root/foundation damage and roof debris.
- Tenant in place with lease through May 31, 2026 — may prevent access for inspection/repairs prior to purchase/occupancy.
- Major mechanicals (HVAC, water heater, electrical panel) not shown — condition unknown and could present inspection risk if failed.
Assumptions
- Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or need verification.
- Central HVAC exists (thermostat visible) and is operational, but age and serviceability are unknown.
- Water heater and electrical panel are located out of sight (not photographed); assume functional but unverified.
- Stove and refrigerator shown are in-place and available to tenant; they may be tenant-owned or included with the lease; functional status assumed but untested.
- Bedroom egress windows are present but window-security bars could restrict emergency egress if not equipped with quick-release — condition unknown.
- No visible severe roof sagging, foundation movement, or active leaks in provided photos; assume no major structural collapse but recommend on-site verification.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,028 | $70,900 | $14,180 |
| 2023 | $1,028 | $70,900 | $14,180 |
| 2022 | $775 | $53,500 | $10,700 |
| 2021 | $775 | $53,500 | $10,700 |
| 2020 | $775 | $53,500 | $10,700 |
| 2019 | $775 | $53,500 | $10,700 |
| 2018 | $674 | $46,500 | $9,300 |
| 2017 | $674 | $46,500 | $9,300 |
| 2016 | $674 | $46,500 | $9,300 |
| 2015 | $674 | $46,500 | $9,300 |
| 2012 | $919 | $65,110 | $13,022 |
| 2011 | $933 | $66,100 | $13,220 |
| 2010 | $974 | $69,000 | $13,800 |
| 2009 | $944 | $66,900 | $13,380 |
| 2008 | $964 | $68,300 | $13,660 |
| 2007 | $401 | $67,300 | $6,730 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-03 | Listed | $92,000 |
| 2012-02-24 | Sold | $10,000 |
| 2012-01-06 | Relisted | $12,900 |
| 2011-12-29 | Listing removed | $12,900 |
| 2007-02-22 | Sold | $85,000 |
| 2007-01-03 | Listed | $82,000 |
Photo Gallery
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"last_status_change_date": "2012-02-24T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "518986",
"price_change_percentage": null
},
{
"date": "2011-12-29",
"price": 12900,
"listing": {
"status": "sold",
"list_date": "2011-12-29T07:00:00Z",
"list_price": 12900,
"listing_id": "544031639",
"last_update_date": "2012-03-02T22:15:39Z",
"last_status_change_date": "2012-02-24T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "518986",
"price_change_percentage": null
},
{
"date": "2007-02-22",
"price": 85000,
"listing": {
"status": "sold",
"list_date": "2007-01-03T07:00:00Z",
"list_price": 82000,
"listing_id": "542166863",
"last_update_date": "2007-02-24T00:06:13Z",
"last_status_change_date": "2007-02-22T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 3000,
"days_after_listed": "50 days",
"source_listing_id": "323748",
"price_change_percentage": "+3.66%"
},
{
"date": "2007-01-03",
"price": 82000,
"listing": {
"status": "sold",
"list_date": "2007-01-03T07:00:00Z",
"list_price": 82000,
"listing_id": "542166863",
"last_update_date": "2007-02-24T00:06:13Z",
"last_status_change_date": "2007-02-22T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "323748",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7152723390",
"generated_at": "2026-02-16T02:24:31.546475Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.5
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed/2-bath 1952 single-family shows generally good cosmetic condition and appears rentable with minor repairs. Primary issues affecting NSPIRE readiness are lack of evidence of smoke/CO detectors, likely absence of GFCI-protected kitchen outlets, potential egress concerns from security bars on windows, and unknown age/condition of HVAC, water heater and electrical panel. Most items appear to be repairs or code-compliance fixes rather than structural failures. Tenant in place (lease through May 31, 2026) will affect ability to perform inspections or immediate repairs prior to turnover.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears well-kept with intact hardwood floors, painted walls, and functioning fixtures visible. Kitchen and bathroom fixtures are present; appliances (stove, refrigerator) are older but installed. Cosmetic wear is visible on cabinets, some cabinet door/drawer misalignment and worn finishes; minor countertop/trim wear. Exterior paint/siding is aged but intact. Missing or older appliances reduce score moderately but do not indicate structural failure. Overall mostly cosmetic and light maintenance items."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 62.0,
"rationale": "No visible smoke detectors or CO alarm in photos (not observed in living areas or hallways) — potential NSPIRE failure if absent. Kitchen outlets/GFCI near sink not clearly visible; likely NO GFCI at counters given visible standard outlet next to range hood — risk for electrical noncompliance. Some windows have security bars (left front) which could impede bedroom egress depending on installation. Entry door has a security screen and appears to have deadbolt hardware. No exposed wiring, active roof leaks, collapsed ceilings, or severe trip hazards are visible. Working plumbing fixtures and functioning toilet and sink are shown. Score reduced for probable missing/uncertain detectors, unclear GFCI protection, and potential egress restrictions."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 60.0,
"rationale": "Thermostat and ceiling fans are visible indicating central HVAC likely present, but no equipment, service tags, water heater or electrical panel are shown so functionality/age unknown. Roof appears intact from the front photo (no visible sag or major damage) but looks older. Kitchen stove is electric and present; plumbing fixtures appear functional. Lack of visible mechanical equipment documentation and unknown condition of HVAC, water heater and electrical panel reduce score to moderate — likely service/inspection needed but nothing in photos indicates catastrophic system failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front yard and walkway are serviceable though covered in leaves; concrete path shows some cracking but no major trip hazard. Siding and foundation (painted masonry pier/block) appear intact. Large mature tree is very close to the house — increases long-term foundation/root and roof-debris risk. Stairs to front have metal rails. Chain-link fence visible at side. No visible standing water, severe erosion, or infestation evidence. Overall presentable with some maintenance and potential tree-related risk."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm in photos — NSPIRE fail if absent.",
"Kitchen GFCI protection not evident near sink — potential electrical code failure.",
"Security bars on front/side windows could block emergency egress for bedrooms.",
"Large mature tree immediately adjacent to house — elevated risk of root/foundation damage and roof debris.",
"Tenant in place with lease through May 31, 2026 — may prevent access for inspection/repairs prior to purchase/occupancy.",
"Major mechanicals (HVAC, water heater, electrical panel) not shown — condition unknown and could present inspection risk if failed."
],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or need verification.",
"Central HVAC exists (thermostat visible) and is operational, but age and serviceability are unknown.",
"Water heater and electrical panel are located out of sight (not photographed); assume functional but unverified.",
"Stove and refrigerator shown are in-place and available to tenant; they may be tenant-owned or included with the lease; functional status assumed but untested.",
"Bedroom egress windows are present but window-security bars could restrict emergency egress if not equipped with quick-release — condition unknown.",
"No visible severe roof sagging, foundation movement, or active leaks in provided photos; assume no major structural collapse but recommend on-site verification."
],
"overall_score": 67.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "Overall this tenant-occupied 3 bed/2 bath single-family appears to be in fair-to-good condition and would likely pass a Housing Choice Voucher/NSPIRE inspection after addressing a small number of common, fast repairs. Primary near-term compliance items to verify and remediate: install/verify functioning smoke detectors in each sleeping area and common area (and CO alarms if required), confirm GFCI protection in kitchen/bath, confirm operation of heating/cooling and hot water, repair/level cracked front walkway and confirm handrail adequacy on entry steps, and perform a roof/attic check. No visible life-threatening hazards (collapsed ceilings, major foundation movement, severe mold, major electrical hazards) were observed in supplied photos. Expect minor repairs and documentation to bring the property fully inspection-ready within 1–4 weeks assuming tenant cooperation and no hidden system failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior finishes appear generally intact: hardwood floors are in good visible condition, walls and trim are serviceable, cabinets and counters are functional though cosmetically dated. Kitchen and range are older but present; refrigerator is present. Minor cosmetic repairs likely (cabinet wear, scuffs, paint touch-ups, cleaning). No visible collapsed ceilings, exposed subfloor, or severe interior deterioration in photos. Tenant-occupied condition may hide small deferred maintenance, but overall looks well-maintained."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms are visible in provided photos; NSPIRE requires functioning smoke detectors in common areas and sleeping areas and CO alarms where required. Bedrooms show windows that appear to provide egress but measurements not verified. Entry door has security screen and deadbolt presence appears likely. No obvious exposed wiring or electrical splices visible in photos. Bathrooms and kitchen fixtures are present. Missing visible detectors and unverified GFCI protection in kitchen/bath create the main compliance risk; these are typically quick fixes but could cause an initial fail if absent."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 65.0,
"rationale": "Thermostat visible in dining area indicating central HVAC present (operation not confirmed). No furnace, water heater, or electrical panel shown in photos. Roof shingles appear aged but intact from the front view; no active roof leaks or interior water staining visible. Kitchen appliances are older electric coil range and an older refrigerator—functional status unknown but they are in place. Because major system components are not shown, a conservative moderate score is used; verification of heating, cooling, hot water and circuit protection will be required at inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior siding and foundation appear intact with painted masonry foundation vents. Front walk shows cracking/uneven sections and is a trip hazard that should be repaired. Large mature tree is very close to the house which can create root and drainage risks over time. Steps to front door appear intact and have a partial handrail on one side; condition is serviceable but stair/handrail configuration should be checked against local code for required handrail presence. Yard needs basic cleanup (leaf/debris). No signs of standing water or major exterior structural damage visible."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos — potential immediate NSPIRE fail if not present/functional.",
"Large mature tree immediately adjacent to the house — potential long-term foundation/drainage/roof risk.",
"Cracked / uneven front walkway creating a trip hazard.",
"Entry steps may lack full compliant handrail(s); needs verification vs. local code.",
"Major systems (water heater, electrical panel, furnace) not shown — unverified items that could be inspection risks if nonfunctional."
],
"confidence": 0.7,
"assumptions": [
"Property is tenant-occupied and photos reflect current live-in condition (listing confirms tenant in place).",
"Central HVAC exists and is operable because a thermostat is visible; actual heating/cooling function not verified by photos.",
"Hot water and water heater are present and functional though not visible in photos.",
"Electrical service and panel are present and intact but not shown; no obvious exposed wiring was seen inside pictures.",
"Bedrooms have adequate egress via the windows shown, but exact sill heights/opening sizes were not measured.",
"Smoke detectors / CO alarms are not visible in photos — assume they may be missing or not clearly shown and therefore must be verified and likely installed/replaced.",
"No severe mold, active roof leaks, or major foundation cracks are visible in the provided images; if present but hidden they would materially reduce the score."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Tenant-occupied 3 bed/2 bath single-family shows generally serviceable interior and systems with cosmetic wear and dated finishes. Key inspection risks prior to a successful Housing Choice Voucher (NSPIRE) initial inspection include missing/undocumented smoke detectors, no visible kitchen GFCI protection, and possible egress issues from security bars on front windows. Major structural issues or active leaks are not apparent in photos, but the large tree close to the structure is a site risk that should be addressed or documented. With targeted, low-to-moderate repairs (install smoke/CO alarms, add/verify GFCI outlets, confirm panel and HVAC/water heater condition, verify bedroom egress), the property is likely to pass after 1–4 weeks of corrective work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 70.0,
"rationale": "Interior appears generally maintained with intact hardwood floors, painted walls and functioning fixtures. Kitchen and cabinets show cosmetic wear, older stove/range hood, and some cabinet doors missing hardware — easy-to-fix or capital items. Bathrooms appear functional but dated. Minor exterior cosmetic issues (peeling paint at eaves, walkway cracks) visible. Tenant-occupied condition means some clutter but no obvious severe deferred maintenance. Missing or worn finishes reduce the score moderately but no major structural damage is visible in photos."
},
{
"key": "safety_code",
"label": "Safety / code compliance (NSPIRE risk)",
"score": 55.0,
"rationale": "Visible safety concerns that would likely cause inspector notes: no smoke detectors are visible in photos (NSPIRE requires smoke alarms in/near sleeping areas and halls) and no carbon monoxide alarm is visible. Kitchen outlets near sink do not show GFCI protection (no obvious GFCI receptacle), which is commonly required. Some windows at front have security bars (first exterior photo) — may be a potential egress obstruction depending on whether they are on required egress windows. Entry has a security/storm door with a lock (good). No exposed live wiring is visible inside photos and stairs to entry have a small railing; however the railing height/condition may require verification. Overall there are multiple code-risk items that need confirmation or quick correction before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 65.0,
"rationale": "A wall thermostat is visible indicating central HVAC likely present; ceiling fans also present. Kitchen sink, faucets and toilet appear intact and functional in photos. Electric range and refrigerator are present (older units). Roof shingles look intact from the front photo with no visible large sagging or obvious active leaks; however roof age and attic/water heater are not shown. Electrical panel and water heater are not photographed so their condition is unknown. Given visible functioning thermostat and appliances, systems appear serviceable but undocumented items (panel, water heater, HVAC unit age) warrant verification."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 60.0,
"rationale": "Exterior siding appears intact and painted. Concrete front walk has minor cracking and yard is unkempt with leaf/debris cover. A large mature tree is immediately adjacent to the house — creates risk for root/foundation stress and roof/branch damage and should be evaluated. Foundation appears painted and there are foundation vents visible; no major foundation cracks or settling visible in provided photos. Chain-link on neighbor side present. Overall exterior is functional but tree proximity and general yard neglect reduce the score."
}
],
"red_flags": [
"No visible smoke detectors in photographed spaces (NSPIRE requires alarms in/near sleeping areas and halls).",
"No visible GFCI-protected receptacle near kitchen sink (potential code failure).",
"Large mature tree directly adjacent to house — potential root/foundation and roof/branch risk.",
"Security bars on front window(s) — possible egress obstruction depending on bedroom locations and release mechanism."
],
"confidence": 0.6,
"assumptions": [
"No smoke or CO alarms are present because none are visible in interior photos; if detectors exist but not shown they should be verified for proper location and operation.",
"A central HVAC system exists because a digital thermostat is visible on the living/dining wall; the actual operational status and age of the HVAC unit are unknown.",
"Electrical panel location and condition are not shown — assumed serviceable because there are powered appliances and a thermostat, but professional verification is required.",
"Water heater and heating equipment are not photographed; assumed present and functioning unless inspection finds otherwise.",
"Kitchen outlets near the sink are assumed non-GFCI because no GFCI receptacle is visible in photos.",
"Bedroom egress windows are assumed adequate based on visible bedroom windows with curtains; exact window sizes/egress dimensions were not measured.",
"Tenant-occupied status means some items (clutter, personal property) may be obscuring defects not visible in photos."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3029 21st Street Ensley, Birmingham, AL, 35208",
"aggregate": {
"summary": "This 3-bed/2-bath 1952 single-family shows generally good cosmetic condition and appears rentable with minor repairs. Primary issues affecting NSPIRE readiness are lack of evidence of smoke/CO detectors, likely absence of GFCI-protected kitchen outlets, potential egress concerns from security bars on windows, and unknown age/condition of HVAC, water heater and electrical panel. Most items appear to be repairs or code-compliance fixes rather than structural failures. Tenant in place (lease through May 31, 2026) will affect ability to perform inspections or immediate repairs prior to turnover.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Interior appears well-kept with intact hardwood floors, painted walls, and functioning fixtures visible. Kitchen and bathroom fixtures are present; appliances (stove, refrigerator) are older but installed. Cosmetic wear is visible on cabinets, some cabinet door/drawer misalignment and worn finishes; minor countertop/trim wear. Exterior paint/siding is aged but intact. Missing or older appliances reduce score moderately but do not indicate structural failure. Overall mostly cosmetic and light maintenance items."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Front yard and walkway are serviceable though covered in leaves; concrete path shows some cracking but no major trip hazard. Siding and foundation (painted masonry pier/block) appear intact. Large mature tree is very close to the house — increases long-term foundation/root and roof-debris risk. Stairs to front have metal rails. Chain-link fence visible at side. No visible standing water, severe erosion, or infestation evidence. Overall presentable with some maintenance and potential tree-related risk."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.7,
"rationale": "No visible smoke detectors or CO alarm in photos (not observed in living areas or hallways) — potential NSPIRE failure if absent. Kitchen outlets/GFCI near sink not clearly visible; likely NO GFCI at counters given visible standard outlet next to range hood — risk for electrical noncompliance. Some windows have security bars (left front) which could impede bedroom egress depending on installation. Entry door has a security screen and appears to have deadbolt hardware. No exposed wiring, active roof leaks, collapsed ceilings, or severe trip hazards are visible. Working plumbing fixtures and functioning toilet and sink are shown. Score reduced for probable missing/uncertain detectors, unclear GFCI protection, and potential egress restrictions."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 63.3,
"rationale": "Thermostat and ceiling fans are visible indicating central HVAC likely present, but no equipment, service tags, water heater or electrical panel are shown so functionality/age unknown. Roof appears intact from the front photo (no visible sag or major damage) but looks older. Kitchen stove is electric and present; plumbing fixtures appear functional. Lack of visible mechanical equipment documentation and unknown condition of HVAC, water heater and electrical panel reduce score to moderate — likely service/inspection needed but nothing in photos indicates catastrophic system failure."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm in photos — NSPIRE fail if absent.",
"Kitchen GFCI protection not evident near sink — potential electrical code failure.",
"Security bars on front/side windows could block emergency egress for bedrooms.",
"Large mature tree immediately adjacent to house — elevated risk of root/foundation damage and roof debris.",
"Tenant in place with lease through May 31, 2026 — may prevent access for inspection/repairs prior to purchase/occupancy.",
"Major mechanicals (HVAC, water heater, electrical panel) not shown — condition unknown and could present inspection risk if failed."
],
"confidence": 0.88,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or need verification.",
"Central HVAC exists (thermostat visible) and is operational, but age and serviceability are unknown.",
"Water heater and electrical panel are located out of sight (not photographed); assume functional but unverified.",
"Stove and refrigerator shown are in-place and available to tenant; they may be tenant-owned or included with the lease; functional status assumed but untested.",
"Bedroom egress windows are present but window-security bars could restrict emergency egress if not equipped with quick-release — condition unknown.",
"No visible severe roof sagging, foundation movement, or active leaks in provided photos; assume no major structural collapse but recommend on-site verification."
],
"score_method": "mean_of_criteria",
"overall_score": 66.5,
"rubric_version": "ns_prep_v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7152723390"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.