Property ID: 7156218592
1812 Princeton Ave SW, Birmingham, AL, 35211
Birmingham, AL
Money Down: $26,400
CoC Return: 10.10%
Monthly Cash Flow: $222
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
10.10%
Rent
$1,069
Monthly Cash Flow
$222
Annual Cash Flow
$2,667
Debt Service / Mo
$585
Property Tax / Mo
$95
Insurance / Mo
$59
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,069
Payment Standard
$1,584
Rent
$1,069
Insurance
$59
Property Tax
$95
Management
$107
Utilities Allowance
$515
NOI (Monthly)
$808
Debt Service
$585
Cash Flow After Debt
$222
Quality Score: 77.50%
Confidence: 83.00%
Property appears largely turnkey with recent cosmetic renovations, updated kitchen, new-looking roof and porch, and active tenant in place. Major mechanical systems are reported updated and visible signs (floor vents, intact finishes) support functionality. Primary inspection risks are missing/unspecified items that must be verified: presence and placement of smoke/CO detectors, GFCI protection in wet areas, removal or compliance of an interior window guard that could impede bedroom egress, and confirmation of electrical panel and hot water functionality. With verification and minor fixes (installing/apparent smoke & CO detectors, installing GFCI if absent, delivering/confirming appliances if required), this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$1,069
Property Management
$107
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
3
Baths
1
Living Area
1,376 sqft
Lot Size
6,534 sqft
Year Built
1930
Days on Market
21
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$95
Insurance / Mo
$59
Property Description
Newly Renovated Tenant Occupied Home! 3 Bedroom, 1 bath home. Tenant already in place paying $1,200 per month. This property provides immediate cash flow and strong long-term potential for investors. The home features spacious living areas, large bedrooms, and tons of updates that support low-maintenance ownership. The seller has also completed key repairs and maintenance - electrical, HVAC, plumbing and roof, making this a turnkey opportunity for the next owner. Conveniently located near major highways, downtown Birmingham, and everyday amenities, this property offers an attractive combination of size, location, and affordability.
Utility Allowances
Heating
$93
Selected 'Elec Heat: Ala Power' matching the 3-bedroom property. Based on the property's electric stove and water heater, electric heating is inferred and Alabama Power is the most likely provider.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has Central Air, which is electric, and Alabama Power is the assumed provider.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit, as the property listing explicitly mentions a 'Stove-Electric'.
Water Heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit, as the property listing explicitly mentions an 'Electric Water Heater'.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit, as the property is located in Birmingham and the listing specifies 'Public Water'.
Sewer
$151
Selected the fixed sewer rate for a 3-bedroom unit. The property listing states 'Sewer: Connected'.
Trash Collection
$20
Selected 'Jefferson City (Once per week)' as the most appropriate available option for a 3-bedroom property in Birmingham.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This allowance covers general electricity usage, including running the refrigerator.
Range/Microwave
$6
The fixed allowance is included because the property listing does not mention a microwave, so it is assumed to be tenant-provided.
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$570
DP3 Annual Estimate$850
DP1 Monthly Equivalent$48
DP3 Monthly Equivalent$71
Replacement Value$60,600
Basis1,376 sqft / 1930
Nearby Houses
Photo unavailable
1816 Princeton Ave SW
sold · 0.01 mi
Price: $70,000
4 bd / 2 ba · 1,936 sqft
Latest sale: $70,000 on Mar 11, 2024
Latest rent: $1,450 on Jun 11, 2024
Photo unavailable
1817 Princeton Ct SW
sold · 0.03 mi
Price: $21,000
3 bd / 1 ba · 1,785 sqft
Latest sale: $21,000
Latest rent: —
Photo unavailable
1817 Princeton Ave SW Lot 1
sold · 0.03 mi
Price: $5,000
— bd / — ba
Latest sale: $5,000
Latest rent: —
Photo unavailable
1827 Princeton Ct SW
sold · 0.04 mi
Price: $70,000
4 bd / 2 ba · 2,100 sqft
Latest sale: $70,000 on Sep 27, 2023
Latest rent: $1,550 on Sep 11, 2024
Photo unavailable
1829 Princeton Ct SW
sold · 0.05 mi
Price: $21,000
3 bd / 1 ba · 1,888 sqft
Latest sale: $21,000 on Jun 30, 2018
Latest rent: —
Photo unavailable
1833 Princeton Ct SW
sold · 0.05 mi
Price: $16,250
3 bd / 2 ba · 1,464 sqft
Latest sale: $16,250 on Mar 30, 2016
Latest rent: $1,125 on Jun 28, 2024
Photo unavailable
1833 Princeton Ave SW
sold · 0.06 mi
Price: $21,000
3 bd / 2 ba · 1,254 sqft
Latest sale: $21,000 on Oct 01, 2019
Latest rent: $750 on Sep 15, 2011
Photo unavailable
1836 Princeton Ave SW
for_sale · 0.06 mi
Price: $85,000
3 bd / 1 ba · 1,386 sqft
Latest sale: $5,000 on Aug 27, 2014
Latest rent: $850 on Mar 15, 2019
Photo unavailable
1812 Princeton Ct SW
sold · 0.06 mi
Price: $38,000
3 bd / 2 ba · 1,668 sqft
Latest sale: $38,000 on Apr 11, 2025
Latest rent: —
Photo unavailable
1745 Princeton Ave SW Lots 1 & 2
sold · 0.06 mi
Price: $4,500
— bd / — ba
Latest sale: $4,500
Latest rent: —
Photo unavailable
1824 Princeton Ct SW
sold · 0.07 mi
Price: $30,000
3 bd / 2 ba · 1,500 sqft
Latest sale: $30,000 on Jan 28, 2022
Latest rent: —
Photo unavailable
1736 Princeton Ave SW Lot 19
off_market · 0.07 mi
Price: $20,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
1732 Princeton Ave SW Lot 18
off_market · 0.08 mi
Price: $20,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
1733 Saint Charles Ave SW
sold · 0.09 mi
Price: $19,900
2 bd / 1 ba · 1,232 sqft
Latest sale: $19,900 on Nov 04, 2022
Latest rent: —
Photo unavailable
1728 Princeton Ave SW
sold · 0.09 mi
Price: $63,500
3 bd / 1 ba · 1,334 sqft
Latest sale: $63,500 on Aug 28, 2025
Latest rent: $1,300 on Jan 30, 2026
Photo unavailable
1753 Lee Ave SW
off_market · 0.11 mi
Price: $124,000
3 bd / 2 ba · 1,604 sqft
Latest sale: $64,000
Latest rent: $1,195 on Jun 27, 2025
Risk and Criteria Detail
Red Flags
- success
- No clearly visible smoke detectors or CO alarms in photos (required for NSPIRE).
- Interior metal window guard shown in bedroom could obstruct egress if not removable or compliant.
- Major systems (electrical panel, water heater, HVAC equipment) not photographed — condition unverified and require documentation.
- No stove or refrigerator visible in listing photos (appliances may be missing).
- Tenant-occupied status may limit immediate access for an in-person inspection and repairs.
Assumptions
- Seller disclosure that electrical, HVAC, plumbing, and roof were repaired is accurate and those systems are functional unless an inspection shows otherwise.
- Central HVAC is present and operational (floor registers visible) though the unit itself is not pictured.
- Water heater and electrical panel exist and are serviceable but were not photographed.
- Smoke and carbon monoxide detectors may be present but are not visible in photos; assume at least some are missing until confirmed.
- Kitchen does not show a stove or refrigerator in photos; assume appliances may be tenant-owned or removed and will need confirmation.
- The small metal window guard seen in a bedroom photo is assumed to be removable but could be a potential egress obstruction if fixed in place.
- No visible mold, active roof leaks, structural sagging, or major foundation movement were observed; assume none present unless inspection shows otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,109 | $74,600 | $14,920 |
| 2023 | $1,109 | $76,500 | $15,300 |
| 2022 | $1,180 | $81,400 | $16,280 |
| 2021 | $1,180 | $81,400 | $16,280 |
| 2020 | $1,180 | $81,400 | $16,280 |
| 2012 | $947 | $67,050 | $13,410 |
| 2011 | $961 | $68,100 | $13,620 |
| 2010 | $406 | $68,100 | $6,810 |
| 2009 | $406 | $68,100 | $6,810 |
| 2008 | $767 | $69,600 | $6,960 |
| 2007 | $60 | $65,600 | $13,120 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-11-16 | Sold | $75,000 |
| 2021-11-03 | Sold | $22,000 |
| 2020-08-31 | Sold | $10,000 |
| 2011-10-04 | Sold | $5,000 |
| 2010-02-16 | Sold | $56,124 |
| 2000-07-11 | Sold | $52,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-01-28 | Listed for rent | $1,200 | — |
| 2025-07-04 | Listed for rent | $1,200 | — |
| 2025-04-03 | Listed for rent | $1,200 | — |
Photo Gallery
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"price_change": 0,
"days_after_listed": "8 days",
"source_listing_id": "896105",
"price_change_percentage": null
},
{
"date": "2020-09-19",
"price": 39900,
"listing": {
"status": "off_market",
"list_date": "2020-09-19T22:11:42Z",
"list_price": 39900,
"listing_id": "2921537028",
"last_update_date": "2020-09-19T22:09:25Z",
"last_status_change_date": "2020-09-27T03:34:45Z"
},
"event_name": "Listed",
"price_sqft": 28.997093023255815,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "896105",
"price_change_percentage": "+698.00%"
},
{
"date": "2011-09-29",
"price": 5000,
"listing": {
"status": "sold",
"list_date": "2011-04-06T07:00:00Z",
"list_price": 6300,
"listing_id": "527832903",
"last_update_date": "2011-10-04T00:08:06Z",
"last_status_change_date": "2011-09-29T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "496409",
"price_change_percentage": "-54.55%"
},
{
"date": "2011-08-09",
"price": 6300,
"listing": {
"status": "sold",
"list_date": "2011-04-06T07:00:00Z",
"list_price": 6300,
"listing_id": "527832903",
"last_update_date": "2011-10-04T00:08:06Z",
"last_status_change_date": "2011-09-29T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "496409",
"price_change_percentage": null
},
{
"date": "2011-08-01",
"price": 6300,
"listing": {
"status": "sold",
"list_date": "2011-04-06T07:00:00Z",
"list_price": 6300,
"listing_id": "527832903",
"last_update_date": "2011-10-04T00:08:06Z",
"last_status_change_date": "2011-09-29T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "117 days",
"source_listing_id": "496409",
"price_change_percentage": null
},
{
"date": "2011-07-28",
"price": 6300,
"listing": {
"status": "sold",
"list_date": "2011-04-06T07:00:00Z",
"list_price": 6300,
"listing_id": "527832903",
"last_update_date": "2011-10-04T00:08:06Z",
"last_status_change_date": "2011-09-29T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -3600,
"days_after_listed": null,
"source_listing_id": "496409",
"price_change_percentage": null
},
{
"date": "2011-05-25",
"price": 9900,
"listing": {
"status": "sold",
"list_date": "2011-04-06T07:00:00Z",
"list_price": 6300,
"listing_id": "527832903",
"last_update_date": "2011-10-04T00:08:06Z",
"last_status_change_date": "2011-09-29T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -1100,
"days_after_listed": null,
"source_listing_id": "496409",
"price_change_percentage": null
},
{
"date": "2011-04-06",
"price": 11000,
"listing": {
"status": "sold",
"list_date": "2011-04-06T07:00:00Z",
"list_price": 6300,
"listing_id": "527832903",
"last_update_date": "2011-10-04T00:08:06Z",
"last_status_change_date": "2011-09-29T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "496409",
"price_change_percentage": null
},
{
"date": "2010-09-07",
"price": 11000,
"listing": {
"status": "off_market",
"list_date": "2010-08-23T07:00:00Z",
"list_price": 11000,
"listing_id": "521791667",
"last_update_date": "2010-09-08T05:43:20Z",
"last_status_change_date": "2010-09-07T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "15 days",
"source_listing_id": "475961",
"price_change_percentage": null
},
{
"date": "2010-08-23",
"price": 11000,
"listing": {
"status": "off_market",
"list_date": "2010-08-23T07:00:00Z",
"list_price": 11000,
"listing_id": "521791667",
"last_update_date": "2010-09-08T05:43:20Z",
"last_status_change_date": "2010-09-07T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "475961",
"price_change_percentage": "-78.85%"
},
{
"date": "2000-07-11",
"price": 52000,
"listing": null,
"event_name": "Sold",
"price_sqft": 37.7906976744186,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1987-03-01",
"price": 37500,
"listing": null,
"event_name": "Sold",
"price_sqft": 27.252906976744185,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7156218592",
"generated_at": "2026-02-16T02:44:10.775038Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 77.5
},
"utility_allowance": {
"zip_code": "35211",
"home_photo": "https://ap.rdcpix.com/ace3019c4d8c446ea115712e4dc6d67bl-m2583958321s-w1280.jpg",
"rent_price": 1069.0,
"loan_amount": 88000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1812-Princeton-Ave-SW_Birmingham_AL_35211_M71562-18592",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 110000.0,
"loan_term_years": 30,
"annual_cash_flow": 9692.93,
"mortgage_monthly": 585.47,
"payment_standard": 1584.0,
"total_amount_out": 22000.0,
"additional_photos": [
"https://ap.rdcpix.com/ace3019c4d8c446ea115712e4dc6d67bl-m1899978552s-w1280.jpg",
"https://ap.rdcpix.com/ace3019c4d8c446ea115712e4dc6d67bl-m2658315012s-w1280.jpg",
"https://ap.rdcpix.com/ace3019c4d8c446ea115712e4dc6d67bl-m767132469s-w1280.jpg",
"https://ap.rdcpix.com/ace3019c4d8c446ea115712e4dc6d67bl-m1839758165s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 59.17,
"monthly_cash_flow": 807.74,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'Elec Heat: Ala Power' matching the 3-bedroom property. Based on the property's electric stove and water heater, electric heating is inferred and Alabama Power is the most likely provider.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has Central Air, which is electric, and Alabama Power is the assumed provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit, as the property listing explicitly mentions a 'Stove-Electric'.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit, as the property listing explicitly mentions an 'Electric Water Heater'.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit, as the property is located in Birmingham and the listing specifies 'Public Water'.",
"utility": "Water",
"allowance": 78
},
{
"note": "Selected the fixed sewer rate for a 3-bedroom unit. The property listing states 'Sewer: Connected'.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Jefferson City (Once per week)' as the most appropriate available option for a 3-bedroom property in Birmingham.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This allowance covers general electricity usage, including running the refrigerator.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "The fixed allowance is included because the property listing does not mention a microwave, so it is assumed to be tenant-provided.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.44,
"down_payment_amount": 22000.0,
"property_tax_annual": 1142.27,
"property_tax_monthly": 95.19,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": 2667.34,
"property_management_monthly": 106.9,
"monthly_cash_flow_after_debt": 222.28,
"cash_on_cash_return_after_debt": 0.12
},
"section8_assessment": {
"runs": [
{
"summary": "Property appears largely turnkey with recent cosmetic renovations, updated kitchen, new-looking roof and porch, and active tenant in place. Major mechanical systems are reported updated and visible signs (floor vents, intact finishes) support functionality. Primary inspection risks are missing/unspecified items that must be verified: presence and placement of smoke/CO detectors, GFCI protection in wet areas, removal or compliance of an interior window guard that could impede bedroom egress, and confirmation of electrical panel and hot water functionality. With verification and minor fixes (installing/apparent smoke & CO detectors, installing GFCI if absent, delivering/confirming appliances if required), this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Photos show recent cosmetic renovation: fresh paint, new-looking vinyl plank floors, updated kitchen cabinets/counter, intact drywall and carpeting in bedrooms. Porch railings and posts appear recently replaced. Missing major appliances (no visible stove or refrigerator) and small finish issues (trim scuffs, minor floor/step wear) reduce score moderately but are fixable and do not indicate structural failure."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No visible exposed wiring, ceilings and walls intact, floor vents indicate central HVAC, and entry has a security door with lock. However: no clearly visible smoke or CO detectors in photos, GFCI outlets in kitchen/bath not visible, one bedroom window shows an interior metal guard that could impede egress if not removable, and the electrical panel is not shown. No active leaks, major mold, or sagging observed. These unknowns create moderate NSPIRE risk until verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states electrical, HVAC, plumbing and roof were recently repaired. Visual indicators support this: roof appears in good condition, floor vents present, kitchen sink and washer hookups visible. Water heater, furnace/AC unit and electrical panel are not shown so condition is assumed but not verified. Given seller disclosure of updates and visible vents/sheetrock in good condition, systems likely functional but need documentation/inspection to confirm."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior brick (painted) and roof look sound; porch and railing appear recently updated; yard is maintained and walkway intact (minor cracking). Foundation vents present; no standing water or obvious drainage issues in photos. Minor concerns: front stair has a single handrail and spacing/height of porch guardrails should be measured to confirm code, but overall exterior condition is good."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No clearly visible smoke detectors or CO alarms in photos (required for NSPIRE).",
"Interior metal window guard shown in bedroom could obstruct egress if not removable or compliant.",
"Major systems (electrical panel, water heater, HVAC equipment) not photographed — condition unverified and require documentation.",
"No stove or refrigerator visible in listing photos (appliances may be missing).",
"Tenant-occupied status may limit immediate access for an in-person inspection and repairs."
],
"confidence": 0.7,
"assumptions": [
"Seller disclosure that electrical, HVAC, plumbing, and roof were repaired is accurate and those systems are functional unless an inspection shows otherwise.",
"Central HVAC is present and operational (floor registers visible) though the unit itself is not pictured.",
"Water heater and electrical panel exist and are serviceable but were not photographed.",
"Smoke and carbon monoxide detectors may be present but are not visible in photos; assume at least some are missing until confirmed.",
"Kitchen does not show a stove or refrigerator in photos; assume appliances may be tenant-owned or removed and will need confirmation.",
"The small metal window guard seen in a bedroom photo is assumed to be removable but could be a potential egress obstruction if fixed in place.",
"No visible mold, active roof leaks, structural sagging, or major foundation movement were observed; assume none present unless inspection shows otherwise."
],
"overall_score": 76.0,
"rubric_version": "NSPIRE-v1.0-2026-02"
},
{
"summary": "Overall the property appears largely turnkey for Section 8 / HCV tenancy. Recent renovations and seller-reported repairs to roof, HVAC, plumbing and electrical, plus a current tenant and clean interior photos, indicate high likelihood of passing an initial NSPIRE inspection after standard verification. The primary inspection risks are unverified smoke/CO detectors and GFCI protection near wet areas and confirmation of the electrical panel and water heater. These are typically quick fixes if missing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.0,
"rationale": "Photos and listing show a recent renovation: new-looking LVP/laminate floors, fresh paint, clean trim, updated kitchen cabinets and counters, and a rebuilt front porch railing. No visible major cosmetic damage, torn flooring, or collapsed surfaces. Laundry hookups are present but no washer shown; stove/refrigerator are not visible — missing appliances reduce readiness moderately but are not structural. Overall appears turnkey with only minor finish work or appliance provisioning likely required."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 75.0,
"rationale": "No obvious life-threatening hazards visible: no exposed wiring, no ceiling sagging, no visible active leaks or major foundation cracks in photos. Entry has a secure metal/storm door with deadbolt. Bedrooms show standard egress windows. However, smoke and carbon-monoxide detectors are not visible in photos (likely present after renovation but unconfirmed), and GFCI receptacles near the sink are not clearly visible. Because these items are not shown, there is some inspection risk for missing/incorrectly located detectors or missing GFCI protection that would need verification and possible quick fixes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 85.0,
"rationale": "Listing explicitly states electrical, HVAC, plumbing, and roof repairs were completed. Visual evidence supports this: the roof looks recently shingled, a thermostat is present (indicating forced air HVAC), vents are visible in rooms, and the kitchen sink and hookups appear intact. Electrical panel and water heater not shown, so final verification is required, but no visible signs of system failures or water damage. Score reflects likely functional systems with standard verification needed."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 82.0,
"rationale": "Exterior brick and painted trim appear in good condition and freshly refreshed. Front porch, steps and new wood railing look solid. Yard is maintained. Minor walk/pathway cracking and small foundation ventilation openings under the porch are visible but not severe. No evidence of standing water, major grading issues, infestation, or exterior structural movement in the photos."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that electrical, HVAC, plumbing and roof repairs were completed is accurate and systems are operational.",
"Utilities are on during tenant occupancy (thermostat present implies HVAC is functional), so heating and hot water are likely available though not pictured.",
"Smoke and carbon-monoxide detectors, and required GFCI protection near kitchen, may have been installed during renovation but are not clearly visible in photos; their presence/placement must be verified.",
"Missing appliances (stove/refrigerator/washer) are either tenant-owned or will be provided by landlord; absence in photos does not indicate structural or safety deficiency.",
"No major concealed issues (mold, hidden water intrusion, major electrical panel defects) are present based on lack of visible evidence, but these require on-site verification."
],
"overall_score": 82.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection after addressing a few targeted safety items. Main actions before inspection: verify and install working smoke (and CO if required) detectors, ensure GFCI protection for kitchen/bath circuits, add/repair a compliant handrail for the front steps, confirm the bedroom window egress is unobstructed (remove or modify the metal grille if it blocks escape), and confirm appliances/water heater function. With those fixes it should be rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show fresh paint, new-looking vinyl plank and carpet, updated kitchen cabinets/countertops and a renovated porch. Tenant-occupied but condition appears recently renovated. Visible deferred items are minor (no visible peeling paint, small scuffing) and there are no large areas of damaged drywall or subfloor. Missing major appliances (no stove/fridge shown) and a few finish-level items (thresholds/trim touch-up) reduce the score moderately."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 60.0,
"rationale": "Several NSPIRE-relevant items are not visible or ambiguous: no smoke detectors are visible in photos, kitchen outlets do not show GFCI receptacles (could be panel protected), and the front entry steps appear to lack a continuous handrail on both sides (single short handrail present on one side of steps). A metal grille on one bedroom window may impede egress. Bedroom windows otherwise appear sized for egress. Entry has a security door/metal gate which appears secure but a clear deadbolt is not visible. No exposed wiring, active leaks, or obvious trip hazards were observed. These issues create moderate risk that must be corrected before/at inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (roof, HVAC, plumbing, electrical)",
"score": 80.0,
"rationale": "Listing states seller completed electrical, HVAC, plumbing and roof repairs; photos show floor vents and a thermostat suggesting central HVAC; roof visible from front appears in good condition. No water stains, sagging ceilings, or visible electrical hazards in photos. Water heater and electrical panel were not photographed so their condition is assumed adequate based on the listing statement and tenant occupancy. The unverified items reduce the score slightly."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Front yard, walkway and porch look maintained. Brick foundation and siding appear intact with foundation vents visible. Minor cracked walkway slabs and lack of a full handrail on the front steps are the primary exterior issues. No signs of major foundation movement, roof failure, standing water, or infestation evident from photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors in photographed rooms — required for pass.",
"Front entry steps lack a continuous handrail / potential unsafe stairs.",
"Metal grille on bedroom window that could obstruct emergency egress.",
"Kitchen receptacles shown are not visibly GFCI (potential code deficiency unless protected at panel)."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that electrical, HVAC, plumbing and roof repairs were completed is accurate and reflects functional systems.",
"Central HVAC is present and operational (inferred from floor vents and thermostat visible in photos).",
"Hot water and plumbing fixtures are working (bathroom not photographed but tenant occupancy and listing claim support this).",
"No severe hidden issues (major mold, active leaks, collapsed ceilings, or foundation movement) are present because photos show no visible signs of those conditions; however interior systems not pictured could reveal issues.",
"Kitchen and laundry hookups exist but major appliances (stove, refrigerator, washer/dryer) are not present in photos; missing appliances will not alone cause an inspection fail but may be required by local program rules or lease.",
"GFCI protection may be provided at the circuit breaker rather than by visible receptacles; because outlets shown are not GFCI-type this is treated as an uncertainty."
],
"overall_score": 74.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1812 Princeton Ave SW, Birmingham, AL, 35211",
"aggregate": {
"summary": "Property appears largely turnkey with recent cosmetic renovations, updated kitchen, new-looking roof and porch, and active tenant in place. Major mechanical systems are reported updated and visible signs (floor vents, intact finishes) support functionality. Primary inspection risks are missing/unspecified items that must be verified: presence and placement of smoke/CO detectors, GFCI protection in wet areas, removal or compliance of an interior window guard that could impede bedroom egress, and confirmation of electrical panel and hot water functionality. With verification and minor fixes (installing/apparent smoke & CO detectors, installing GFCI if absent, delivering/confirming appliances if required), this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Photos show recent cosmetic renovation: fresh paint, new-looking vinyl plank floors, updated kitchen cabinets/counter, intact drywall and carpeting in bedrooms. Porch railings and posts appear recently replaced. Missing major appliances (no visible stove or refrigerator) and small finish issues (trim scuffs, minor floor/step wear) reduce score moderately but are fixable and do not indicate structural failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.7,
"rationale": "Exterior brick (painted) and roof look sound; porch and railing appear recently updated; yard is maintained and walkway intact (minor cracking). Foundation vents present; no standing water or obvious drainage issues in photos. Minor concerns: front stair has a single handrail and spacing/height of porch guardrails should be measured to confirm code, but overall exterior condition is good."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 66.7,
"rationale": "No visible exposed wiring, ceilings and walls intact, floor vents indicate central HVAC, and entry has a security door with lock. However: no clearly visible smoke or CO detectors in photos, GFCI outlets in kitchen/bath not visible, one bedroom window shows an interior metal guard that could impede egress if not removable, and the electrical panel is not shown. No active leaks, major mold, or sagging observed. These unknowns create moderate NSPIRE risk until verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 80.0,
"rationale": "Listing states electrical, HVAC, plumbing and roof were recently repaired. Visual indicators support this: roof appears in good condition, floor vents present, kitchen sink and washer hookups visible. Water heater, furnace/AC unit and electrical panel are not shown so condition is assumed but not verified. Given seller disclosure of updates and visible vents/sheetrock in good condition, systems likely functional but need documentation/inspection to confirm."
}
],
"red_flags": [
"No clearly visible smoke detectors or CO alarms in photos (required for NSPIRE).",
"Interior metal window guard shown in bedroom could obstruct egress if not removable or compliant.",
"Major systems (electrical panel, water heater, HVAC equipment) not photographed — condition unverified and require documentation.",
"No stove or refrigerator visible in listing photos (appliances may be missing).",
"Tenant-occupied status may limit immediate access for an in-person inspection and repairs."
],
"confidence": 0.83,
"assumptions": [
"Seller disclosure that electrical, HVAC, plumbing, and roof were repaired is accurate and those systems are functional unless an inspection shows otherwise.",
"Central HVAC is present and operational (floor registers visible) though the unit itself is not pictured.",
"Water heater and electrical panel exist and are serviceable but were not photographed.",
"Smoke and carbon monoxide detectors may be present but are not visible in photos; assume at least some are missing until confirmed.",
"Kitchen does not show a stove or refrigerator in photos; assume appliances may be tenant-owned or removed and will need confirmation.",
"The small metal window guard seen in a bedroom photo is assumed to be removable but could be a potential egress obstruction if fixed in place.",
"No visible mold, active roof leaks, structural sagging, or major foundation movement were observed; assume none present unless inspection shows otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 77.5,
"rubric_version": "NSPIRE-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7156218592"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.