Property ID: 7155327358
2817 Avenue C, Birmingham, AL, 35218
Birmingham, AL
Money Down: $26,400
CoC Return: -1.28%
Monthly Cash Flow: $-28
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
-1.28%
Rent
$692
Monthly Cash Flow
$-28
Annual Cash Flow
$-339
Debt Service / Mo
$585
Property Tax / Mo
$35
Insurance / Mo
$31
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$692
Payment Standard
$1,133
Rent
$692
Insurance
$31
Property Tax
$35
Management
$69
Utilities Allowance
$441
NOI (Monthly)
$557
Debt Service
$585
Cash Flow After Debt
$-28
Quality Score: 78.30%
Confidence: 95.00%
Property appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection with minor fixes. Interior shows a full cosmetic remodel (new floors, paint, fixtures) and basic appliances present. Primary uncertainties are items not shown in photos—electrical panel, CO detector, GFCI protection in kitchen, presence of a deadbolt, and verification of hot water/HVAC operation. Resolve those minor items (add/verify CO alarm if required, confirm/replace GFCI outlets, add deadbolt if missing, provide system service records or demonstrate operation) and this home should be rent-ready within 1–2 weeks.
Section 8 Payment Standard
$1,133
Utility Allowance Total
$441
Guaranteed Section 8 Rent (PS - Utilities)
$692
Property Management
$69
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
2
Baths
1
Living Area
1,006 sqft
Lot Size
4,792 sqft
Year Built
1919
Days on Market
8
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$35
Insurance / Mo
$31
Property Description
This charming 2-bedroom, 1-bath home has been completely remodeled and is ready for its new owner! It offers a surprisingly spacious layout with fresh paint, new floors throughout, and updated light and plumbing fixtures that give it a clean, modern feel. Cozy, bright, and move-in ready-this one is easy to love and a must-see! ??
Utility Allowances
Heating
$76
Property has central heating. Fuel type was inferred as electric based on the presence of an electric stove and electric water heater. 'Ala Power' was chosen as the most prevalent provider in Birmingham and is the most expensive electric heating option.
Cooling
$18
Property is equipped with Central Air conditioning, which is electric. 'Alabama Power' was selected as it is the primary provider for Birmingham and the most expensive option on the schedule.
Water Heating
$46
Property details explicitly list an 'Electric Water Heater'. 'Ala Power' was selected as the provider for consistency and as the most expensive option.
Cooking
$17
Property details list 'Stove-Electric'. 'Ala Power' was selected as the provider, consistent with other electric utilities.
Other Electric
$56
This allowance covers general electricity for lights and outlets. The description includes 'Ref', accounting for the electricity usage of a tenant-owned refrigerator. 'Ala Power' was selected as the provider.
Water
$69
Property details state 'Public Water'. The 'Water: Birmingham' option was selected as a direct match for the property's location.
Sewer
$125
Property details state 'Sewer: Connected'. The schedule provides a single fixed rate for sewer service which was applied.
Trash Collection
$20
Trash collection is an inferred necessity for a single-family home. The 'Jefferson City' option was chosen as the most appropriate generic option for a property in Birmingham, located in Jefferson County.
Refrigerator (Tenant-Owned)
$8
The property listing does not state that a refrigerator is provided, so this allowance for a tenant-owned appliance is included as per the schedule.
Range / Microwave (Tenant-Owned)
$6
The property listing does not state that a microwave is provided, so this allowance for a tenant-owned appliance is included as per the schedule.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$307
DP3 Annual Estimate$431
DP1 Monthly Equivalent$26
DP3 Monthly Equivalent$36
Replacement Value$20,700
Basis1,006 sqft / 1919
Nearby Houses
Photo unavailable
2901 Avenue C
for_sale · 0.03 mi
Price: $119,900
3 bd / 2 ba · 2,184 sqft
Latest sale: $112,268 on Aug 08, 2025
Latest rent: —
Photo unavailable
2922 Avenue C
sold · 0.08 mi
Price: $152,000
3 bd / 2 ba · 1,708 sqft
Latest sale: $152,000 on Jul 18, 2023
Latest rent: —
Photo unavailable
215 27th Street Ensley
for_sale · 0.11 mi
Price: $15,000
2 bd / 1 ba · 739 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2700 Avenue C
sold · 0.11 mi
Price: $20,000
2 bd / 2 ba · 1,144 sqft
Latest sale: $20,000 on Jun 27, 2022
Latest rent: —
Photo unavailable
3001 Avenue D
sold · 0.12 mi
Price: $132,000
3 bd / 1 ba · 1,408 sqft
Latest sale: $132,000 on Jul 10, 2023
Latest rent: —
Photo unavailable
403 30th Street Ensley
sold · 0.12 mi
Price: $90,000
3 bd / 1 ba · 1,408 sqft
Latest sale: $90,000
Latest rent: —
Photo unavailable
205 27th Street Ensley
for_sale · 0.12 mi
Price: $14,799
2 bd / 1 ba · 780 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3008 Avenue D
sold · 0.13 mi
Price: $8,000
2 bd / 1 ba · 1,102 sqft
Latest sale: $8,000 on Sep 27, 2019
Latest rent: $875 on Jan 30, 2023
Photo unavailable
2908 Avenue F
off_market · 0.19 mi
Price: $119,900
4 bd / 1 ba · 1,349 sqft
Latest sale: $65,000 on Sep 23, 2024
Latest rent: $1,350 on Mar 21, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos are current and representative of the entire property condition.
- Kitchen appliances shown (electric range and refrigerator) are operable or will be tested prior to lease.
- HVAC is central forced air (vent visible) and functional; no separate heating source is required.
- No major defects exist in locations not photographed (attic, mechanical closets, under-slab plumbing).
- No gas appliances are present other than the electric range shown; if gas exists, additional CO and venting checks will be required.
- Electrical panel, water heater, and sewer connections are present and meet code but were not photographed.
- Bedroom windows meet egress size requirements based on visible full-height windows (not measured).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $406 | $28,000 | $5,600 |
| 2023 | $406 | $28,000 | $5,600 |
| 2022 | $321 | $22,200 | $4,440 |
| 2008 | $406 | $28,200 | $5,640 |
| 2007 | $401 | $27,800 | $5,560 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-08-16 | Sold | $14,000 |
Photo Gallery
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"last_update_date": "2026-02-15T02:16:52Z",
"last_status_change_date": "2026-02-08T16:42:32Z"
},
"event_name": "Listed",
"price_sqft": 109.34393638170974,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21443011",
"price_change_percentage": null
},
{
"date": "2022-10-18",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2022-10-10T21:13:10Z",
"list_price": 49900,
"listing_id": "2948765668",
"last_update_date": "2022-10-10T22:49:49Z",
"last_status_change_date": "2022-10-18T16:54:51Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "8 days",
"source_listing_id": "1336156",
"price_change_percentage": null
},
{
"date": "2022-10-10",
"price": 49900,
"listing": {
"status": "off_market",
"list_date": "2022-10-10T21:13:10Z",
"list_price": 49900,
"listing_id": "2948765668",
"last_update_date": "2022-10-10T22:49:49Z",
"last_status_change_date": "2022-10-18T16:54:51Z"
},
"event_name": "Listed",
"price_sqft": 49.60238568588469,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1336156",
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Final",
"permit_type_of_work": "Mechanical permit",
"permit_effective_date": "Mar 19, 2003",
"permit_project_type_1": "Hvac",
"permit_project_type_2": "Mechanical work",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Final",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Mar 19, 2003",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Hvac",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Mar 3, 2003",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": "Residential",
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "7155327358",
"generated_at": "2026-02-16T03:17:27.646568Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 78.3
},
"utility_allowance": {
"zip_code": "35218",
"home_photo": "https://ap.rdcpix.com/636191b3ae83faf7784b912b00b43defl-m2927774985s-w1280.jpg",
"rent_price": 692.0,
"loan_amount": 88000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2817-Avenue-C_Birmingham_AL_35218_M71553-27358",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 110000.0,
"loan_term_years": 30,
"annual_cash_flow": 6686.42,
"mortgage_monthly": 585.47,
"payment_standard": 1133.0,
"total_amount_out": 22000.0,
"additional_photos": [
"https://ap.rdcpix.com/636191b3ae83faf7784b912b00b43defl-m3724127914s-w1280.jpg",
"https://ap.rdcpix.com/636191b3ae83faf7784b912b00b43defl-m703805846s-w1280.jpg",
"https://ap.rdcpix.com/636191b3ae83faf7784b912b00b43defl-m4033097526s-w1280.jpg",
"https://ap.rdcpix.com/636191b3ae83faf7784b912b00b43defl-m2452517237s-w1280.jpg",
"https://ap.rdcpix.com/636191b3ae83faf7784b912b00b43defl-m1041135702s-w1280.jpg",
"https://ap.rdcpix.com/636191b3ae83faf7784b912b00b43defl-m2467070428s-w1280.jpg",
"https://ap.rdcpix.com/636191b3ae83faf7784b912b00b43defl-m2606707335s-w1280.jpg",
"https://ap.rdcpix.com/636191b3ae83faf7784b912b00b43defl-m1455108861s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 30.75,
"monthly_cash_flow": 557.2,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating. Fuel type was inferred as electric based on the presence of an electric stove and electric water heater. 'Ala Power' was chosen as the most prevalent provider in Birmingham and is the most expensive electric heating option.",
"utility": "Heating",
"allowance": 76
},
{
"note": "Property is equipped with Central Air conditioning, which is electric. 'Alabama Power' was selected as it is the primary provider for Birmingham and the most expensive option on the schedule.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "Property details explicitly list an 'Electric Water Heater'. 'Ala Power' was selected as the provider for consistency and as the most expensive option.",
"utility": "Water Heating",
"allowance": 46
},
{
"note": "Property details list 'Stove-Electric'. 'Ala Power' was selected as the provider, consistent with other electric utilities.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "This allowance covers general electricity for lights and outlets. The description includes 'Ref', accounting for the electricity usage of a tenant-owned refrigerator. 'Ala Power' was selected as the provider.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Property details state 'Public Water'. The 'Water: Birmingham' option was selected as a direct match for the property's location.",
"utility": "Water",
"allowance": 69
},
{
"note": "Property details state 'Sewer: Connected'. The schedule provides a single fixed rate for sewer service which was applied.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "Trash collection is an inferred necessity for a single-family home. The 'Jefferson City' option was chosen as the most appropriate generic option for a property in Birmingham, located in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property listing does not state that a refrigerator is provided, so this allowance for a tenant-owned appliance is included as per the schedule.",
"utility": "Refrigerator (Tenant-Owned)",
"allowance": 8
},
{
"note": "The property listing does not state that a microwave is provided, so this allowance for a tenant-owned appliance is included as per the schedule.",
"utility": "Range / Microwave (Tenant-Owned)",
"allowance": 6
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 22000.0,
"property_tax_annual": 418.18,
"property_tax_monthly": 34.85,
"property_tax_increase": 0.03,
"utility_allowance_total": 441.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": -339.17,
"property_management_monthly": 69.2,
"monthly_cash_flow_after_debt": -28.26,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Property appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection with minor fixes. Interior shows a full cosmetic remodel (new floors, paint, fixtures) and basic appliances present. Primary uncertainties are items not shown in photos—electrical panel, CO detector, GFCI protection in kitchen, presence of a deadbolt, and verification of hot water/HVAC operation. Resolve those minor items (add/verify CO alarm if required, confirm/replace GFCI outlets, add deadbolt if missing, provide system service records or demonstrate operation) and this home should be rent-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently remodeled: fresh paint, new laminate flooring throughout, updated light fixtures and plumbing fixtures. Kitchen and range and refrigerator are present. Minor visible cosmetic scuffs on walls and baseboards only. No visible collapsed finishes, missing outlet covers, or broken cabinetry. Overall turnkey cosmetically with only touch-up work expected."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 78.0,
"rationale": "A ceiling smoke detector is visible in a bedroom. Porch handrails and guardrails are present. No exposed wiring, active water stains, or visible mold in photos. Potential shortfalls: carbon-monoxide detector not observed (stove appears electric but CO requirement depends on local code and presence of any gas appliances), GFCI outlets at kitchen not clearly identified in photos, and a deadbolt on the main entry door is not visible. Bedroom windows appear full-height (egress likely OK) but exact egress dimensions cannot be confirmed from photos. These unknowns reduce the score slightly."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 75.0,
"rationale": "Interior shows ceiling HVAC vents indicating central heating/cooling ducting present. No visible plumbing leaks; kitchen sink present. Roof profile looks intact from frontal photos with no sagging or visible missing shingles; foundation appears level from images. However, key system items (electrical panel, water heater, full HVAC equipment, plumbing shutoffs) are not shown, so assessment is based on indirect evidence and is a best-effort estimate."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front porch, steps and railings look recently painted and in good condition. Concrete walkway in good repair; chain-link fence and new wooden gate present. Siding and trim appear freshly painted; no visible standing water or erosion around foundation in photos. Adjacent properties show more severe neglect but do not directly affect the subject property's structural condition. Yard is small and usable. No visible infestation evidence."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Photos are current and representative of the entire property condition.",
"Kitchen appliances shown (electric range and refrigerator) are operable or will be tested prior to lease.",
"HVAC is central forced air (vent visible) and functional; no separate heating source is required.",
"No major defects exist in locations not photographed (attic, mechanical closets, under-slab plumbing).",
"No gas appliances are present other than the electric range shown; if gas exists, additional CO and venting checks will be required.",
"Electrical panel, water heater, and sewer connections are present and meet code but were not photographed.",
"Bedroom windows meet egress size requirements based on visible full-height windows (not measured)."
],
"overall_score": 80.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on photos and the listing, this 2-bed/1-bath home appears to be recently remodeled and largely rent‑ready for a Section 8 voucher applicant with only minor/typical punch-list items. Main unknowns are verification of mechanical equipment (HVAC, water heater), electrical panel condition and presence of required GFCI and CO protection. If those systems check out on-site, the unit is likely to pass an initial NSPIRE/HCV inspection with basic fixes (install GFCI/CO if missing).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently remodeled: fresh paint, new laminate flooring throughout, intact baseboards and trim, functioning interior doors, and updated light fixtures. Kitchen has cabinetry, counter, sink, stove and refrigerator present. Porch, concrete steps and front railings look solid and recently painted. No visible peeling paint, major stains, or flooring damage. Remaining items are cosmetic or small repairs (cabinet paint touch-up, minor scuffs)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "Visible smoke detector on ceiling in bedroom area. Bedrooms have tall windows that should provide egress. Front entry door and porch have secure-looking deadbolt/knob hardware and guardrails/handrails are present on steps and porch. No exposed wiring or obvious trip hazards in photos. Unknown/ not visible: electrical panel, GFCI-protected kitchen/bath outlets, carbon monoxide detector (not visible). No visible signs of active water intrusion, mold, or collapsed ceilings."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Photos show supply/return vent indicating central HVAC ducting, and an electric range (stove) and refrigerator are present. New finishes suggest recent work on plumbing and electrical fixtures. However key mechanical components are not shown: HVAC equipment, water heater, and electrical service/panel are not visible. Condition inferred as probably serviceable due to full remodel, but lack of visible equipment and no service records lowers score pending verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Front facade and porch appear recently painted and structurally sound; concrete walkway and steps are intact. Small fenced yard with new-looking short wooden gate and functioning chain-link perimeter. Roof visible from photos appears in reasonable condition with no sagging or visible missing shingles from front view. Adjacent properties are dilapidated which is a neighborhood / market risk but not an immediate NSPIRE fail for this unit."
}
],
"red_flags": [
"No visible carbon monoxide detector in photos (required when fuel-burning appliances or as local code dictates).",
"No visible GFCI-protected outlets in kitchen/bath photos (GFCI required for kitchen counters and bathrooms).",
"Electrical panel / service not shown or documented — condition and labeling unknown.",
"Water heater not photographed — hot water availability and condition unverified."
],
"confidence": 0.7,
"assumptions": [
"Renovation claimed in listing is accurate and photos are representative of current condition.",
"HVAC exists and is functional (supply/return vent visible in photos) though the actual equipment was not photographed.",
"Water heater and electrical service/panel are present and operational but not shown in the photo set.",
"Stove is electric (based on burner style shown) so CO risk from natural gas appliances is likely low.",
"Smoke detector visible is functional; additional detectors (hallways, near bedrooms) may need verification/placement to meet local code/NSPIRE.",
"No hidden active roof leaks or major foundation movement since none are visible in photos; adjacent blighted properties do not imply this home has active structural failure."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2BR/1BA house appears largely turnkey for Section 8 tenancy after a recent remodel: clean interiors, new floors, working kitchen appliances and intact exterior porch and railings. Key inspection risks are unverified system components and safety items that cannot be fully confirmed from photos (smoke alarm coverage, GFCI in kitchen, deadbolt, electrical panel and water heater condition). With quick verification/installation of any missing detectors/GFCI and confirming mechanicals, the property is likely rent-ready within 30 days and should pass an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 85.0,
"rationale": "Interior appears fully remodeled: fresh paint, new-looking laminate floors throughout, intact baseboards and trim, updated cabinets and fixtures. Kitchen and range and refrigerator are present. Porch, steps and railings are intact. Visible issues are cosmetic/minor (trim scuffs, basic fixtures). No visible collapsed surfaces or exposed subflooring. Missing or older appliances would be a moderate, not catastrophic, deduction but here appliances are present."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: no exposed wiring, no standing water, stairs and porch have railings, ceilings intact and no sagging. A smoke alarm device is visible in a bedroom photo, and windows in sleeping rooms appear large enough for egress, but full compliance can’t be confirmed from photos. GFCI protection at kitchen sink is not visibly identifiable. Presence of a deadbolt on the entry door is not clearly shown. Plumbing fixtures visible and appear functional. Given these unknowns (GFCI, smoke alarm coverage, door deadbolt), score reduced to reflect inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical",
"score": 75.0,
"rationale": "Visible supply/return vents indicate central HVAC (vents look intact) and the listing states remodeled — likely HVAC was serviced. Electric range and refrigerator present. Water heater, electrical panel and furnace/AC equipment are not shown, so their condition is assumed adequate based on the recent remodel but remain unverified. No visible signs of active roof leak or plumbing failure from interior photos."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 78.0,
"rationale": "Front elevation, siding and painted trim appear in good repair; concrete walkway and front steps look solid and were recently painted. Porch guardrail present. Chain-link fence and new wood gate provide secure yard. No obvious foundation movement or major exterior structural issues visible from photos. Neighboring homes show deterioration (cosmetic/neighborhood impact) but do not create an immediate property safety failure."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC system is present and operational (supply/return vents visible) and will function at the time of inspection.",
"Water heater and electrical panel exist and are in serviceable condition (not visible in photos).",
"Appliances shown (electric range and refrigerator) are operable at move-in.",
"At least one smoke alarm is installed (visible in one room), but full required coverage (outside sleeping areas and on each level) may not be shown.",
"GFCI protection at kitchen counters is not visible in photos and may need verification or installation.",
"Entry door may or may not have a deadbolt; if absent, a deadbolt will be installed prior to rental.",
"Windows in bedrooms provide compliant egress based on visible size, but exact dimensions and sill heights are unverified.",
"No concealed major plumbing leaks, severe mold, or hidden structural foundation movement beyond what is visible in photos."
],
"overall_score": 78.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2817 Avenue C, Birmingham, AL, 35218",
"aggregate": {
"summary": "Property appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection with minor fixes. Interior shows a full cosmetic remodel (new floors, paint, fixtures) and basic appliances present. Primary uncertainties are items not shown in photos—electrical panel, CO detector, GFCI protection in kitchen, presence of a deadbolt, and verification of hot water/HVAC operation. Resolve those minor items (add/verify CO alarm if required, confirm/replace GFCI outlets, add deadbolt if missing, provide system service records or demonstrate operation) and this home should be rent-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently remodeled: fresh paint, new laminate flooring throughout, updated light fixtures and plumbing fixtures. Kitchen and range and refrigerator are present. Minor visible cosmetic scuffs on walls and baseboards only. No visible collapsed finishes, missing outlet covers, or broken cabinetry. Overall turnkey cosmetically with only touch-up work expected."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.7,
"rationale": "Front porch, steps and railings look recently painted and in good condition. Concrete walkway in good repair; chain-link fence and new wooden gate present. Siding and trim appear freshly painted; no visible standing water or erosion around foundation in photos. Adjacent properties show more severe neglect but do not directly affect the subject property's structural condition. Yard is small and usable. No visible infestation evidence."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 74.3,
"rationale": "A ceiling smoke detector is visible in a bedroom. Porch handrails and guardrails are present. No exposed wiring, active water stains, or visible mold in photos. Potential shortfalls: carbon-monoxide detector not observed (stove appears electric but CO requirement depends on local code and presence of any gas appliances), GFCI outlets at kitchen not clearly identified in photos, and a deadbolt on the main entry door is not visible. Bedroom windows appear full-height (egress likely OK) but exact egress dimensions cannot be confirmed from photos. These unknowns reduce the score slightly."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 73.3,
"rationale": "Interior shows ceiling HVAC vents indicating central heating/cooling ducting present. No visible plumbing leaks; kitchen sink present. Roof profile looks intact from frontal photos with no sagging or visible missing shingles; foundation appears level from images. However, key system items (electrical panel, water heater, full HVAC equipment, plumbing shutoffs) are not shown, so assessment is based on indirect evidence and is a best-effort estimate."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Photos are current and representative of the entire property condition.",
"Kitchen appliances shown (electric range and refrigerator) are operable or will be tested prior to lease.",
"HVAC is central forced air (vent visible) and functional; no separate heating source is required.",
"No major defects exist in locations not photographed (attic, mechanical closets, under-slab plumbing).",
"No gas appliances are present other than the electric range shown; if gas exists, additional CO and venting checks will be required.",
"Electrical panel, water heater, and sewer connections are present and meet code but were not photographed.",
"Bedroom windows meet egress size requirements based on visible full-height windows (not measured)."
],
"score_method": "mean_of_criteria",
"overall_score": 78.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7155327358"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.