Property ID: 7167627045
2215 Arcadia Rd, Birmingham, AL, 35214
Birmingham, AL
Money Down: $30,000
CoC Return: 7.68%
Monthly Cash Flow: $192
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,000
Closing Costs
$5,000
Total Down
$30,000
Investment Snapshot
Purchase Price
$125,000
Money Down
$30,000
Cash-on-Cash Return
7.68%
Rent
$1,146
Monthly Cash Flow
$192
Annual Cash Flow
$2,304
Debt Service / Mo
$665
Property Tax / Mo
$104
Insurance / Mo
$70
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,146
Payment Standard
$1,518
Rent
$1,146
Insurance
$70
Property Tax
$104
Management
$115
Utilities Allowance
$372
NOI (Monthly)
$857
Debt Service
$665
Cash Flow After Debt
$192
Quality Score: 68.80%
Confidence: 85.00%
Overall this 1948 single-family shows mostly cosmetic updates and is likely rentable after minor repairs and safety completions. Primary risks for an initial HCV/NSPIRE inspection are missing/undocumented smoke and CO detectors, absent GFCI outlets in the kitchen/bath (not visible), and undocumented condition of major systems (HVAC, water heater, electrical panel). Missing kitchen appliances (range/fridge) are moderate capital items. Expected to reach inspection-ready condition within ~30 days if detectors, GFCIs, appliances, and any small mechanical/service issues are addressed.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$372
Guaranteed Section 8 Rent (PS - Utilities)
$1,146
Property Management
$115
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$125,000
Beds
3
Baths
1
Living Area
1,138 sqft
Lot Size
94,264 sqft
Year Built
1948
Days on Market
82
Capital Outlay
$30,000
Debt Service
$665
Property Tax / Mo
$104
Insurance / Mo
$70
Property Description
Great starter homes or investment property. This property has TWO single family homes on it!
Utility Allowances
heating
$93
Property has central heat. As the water heater is electric, electric heating (via Alabama Power) is assumed, being a common configuration and a major provider in the area.
cooling
$22
Property has central air conditioning, which is electric. Alabama Power is selected as it's a major regional provider.
water_heating
$56
Property information explicitly states an electric water heater. Alabama Power is selected as the provider for consistency.
cooking
$21
The property does not include a cooking appliance. An electric range is assumed for consistency with other electric systems, using Alabama Power as the provider.
other_electric
$68
This covers general electricity for lights, outlets, and the tenant-provided refrigerator. Alabama Power is selected as the provider.
water
$78
The property has public water and is located within the city of Birmingham, making 'Water: Birmingham' the appropriate schedule choice.
sewer
$0
Property information states it uses a septic tank, resulting in no monthly public sewer cost for the tenant.
trash_collection
$20
The property is in an unincorporated part of Jefferson County; therefore, the county-level trash collection service was chosen.
refrigerator
$8
A refrigerator is not listed as provided, so the tenant is assumed to supply their own, and the corresponding allowance is included.
range_microwave
$6
A microwave is not listed as provided, so the tenant is assumed to supply their own, and the corresponding allowance is included.
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$691
DP3 Annual Estimate$986
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$82
Replacement Value$89,500
Basis1,138 sqft / 1948
Nearby Houses
Photo unavailable
2229 Arcadia Dr
sold · 0.04 mi
Price: $114,000
4 bd / 2 ba · 1,056 sqft
Latest sale: $114,000
Latest rent: —
Photo unavailable
2145 Arcadia Rd
sold · 0.05 mi
Price: $96,500
4 bd / 2 ba
Latest sale: $96,500 on Nov 30, 2017
Latest rent: —
Photo unavailable
2208 Arcadia Rd
sold · 0.09 mi
Price: $85,500
3 bd / 1 ba · 1,450 sqft
Latest sale: $85,500 on Aug 16, 2024
Latest rent: —
Photo unavailable
2133 Arcadia Rd
sold · 0.09 mi
Price: $207,000
3 bd / 2 ba · 1,770 sqft
Latest sale: $207,000 on Jan 13, 2026
Latest rent: $1,050 on Feb 02, 2020
Photo unavailable
2241 Arcadia Rd
sold · 0.11 mi
Price: $160,000
3 bd / 2 ba · 1,595 sqft
Latest sale: $160,000 on Aug 10, 2023
Latest rent: $1,275 on Jan 30, 2019
Risk and Criteria Detail
Red Flags
- success
- No visible/undocumented smoke detectors and CO alarms (NSPIRE fail if not installed).
- No visible GFCI-protected outlets in kitchen (potential NSPIRE fail).
- Trip hazards in front yard (large stump/roots) that could create exterior safety violations.
Assumptions
- No smoke detectors or CO alarms were installed or visible in the provided photos; assume they are absent or not visible.
- Central heating/AC exists (floor registers visible) and is assumed operable but not verified.
- Water heater and electrical panel are present but not photographed; their condition is unknown.
- Bedroom windows provide required egress based on visible size, but exact measurements were not available.
- Missing stove and refrigerator in photos indicate appliances are not present and will need to be supplied by owner/landlord.
- Porch/deck guardrail is continuous but exact height and baluster spacing not verifiable from photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,214 | $121,200 | $24,240 |
| 2023 | $1,214 | $121,200 | $24,240 |
| 2022 | $1,250 | $124,800 | $24,960 |
| 2021 | $918 | $91,700 | $18,340 |
| 2020 | $918 | $91,700 | $18,340 |
| 2019 | $918 | $91,700 | $18,340 |
| 2018 | $976 | $97,500 | $19,500 |
| 2011 | $485 | $95,900 | $9,590 |
| 2008 | $988 | $97,200 | $19,440 |
| 2007 | $976 | $96,000 | $19,200 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2015-07-09 | Sold | $42,000 |
| 2011-01-25 | Sold | $34,000 |
| 2007-09-13 | Sold | $87,000 |
| 2005-12-06 | Sold | $100,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2020-02-05 | Listed for rent | $850 | — |
| 2018-10-14 | Listed for rent | $850 | — |
| 2015-09-05 | Listed for rent | $800 | — |
Photo Gallery
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"last_status_change_date": "2011-01-12T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "469198",
"price_change_percentage": null
},
{
"date": "2010-04-15",
"price": 64000,
"listing": {
"status": "off_market",
"list_date": "2010-01-12T07:00:00Z",
"list_price": 64000,
"listing_id": "514498607",
"last_update_date": "2010-04-16T12:00:00Z",
"last_status_change_date": "2010-04-15T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "93 days",
"source_listing_id": "450761",
"price_change_percentage": null
},
{
"date": "2010-01-12",
"price": 64000,
"listing": {
"status": "off_market",
"list_date": "2010-01-12T07:00:00Z",
"list_price": 64000,
"listing_id": "514498607",
"last_update_date": "2010-04-16T12:00:00Z",
"last_status_change_date": "2010-04-15T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "450761",
"price_change_percentage": null
},
{
"date": "2009-12-11",
"price": 72500,
"listing": {
"status": "off_market",
"list_date": "2009-10-16T07:00:00Z",
"list_price": 72500,
"listing_id": "512687755",
"last_update_date": "2009-12-12T13:00:00Z",
"last_status_change_date": "2009-12-11T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "56 days",
"source_listing_id": "443796",
"price_change_percentage": null
},
{
"date": "2009-10-16",
"price": 72500,
"listing": {
"status": "off_market",
"list_date": "2009-10-16T07:00:00Z",
"list_price": 72500,
"listing_id": "512687755",
"last_update_date": "2009-12-12T13:00:00Z",
"last_status_change_date": "2009-12-11T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "443796",
"price_change_percentage": null
},
{
"date": "2009-04-30",
"price": 82900,
"listing": {
"status": "off_market",
"list_date": "2009-01-26T07:00:00Z",
"list_price": 82900,
"listing_id": "501686915",
"last_update_date": "2009-05-05T13:21:42Z",
"last_status_change_date": "2009-04-30T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "418035",
"price_change_percentage": null
},
{
"date": "2009-02-21",
"price": 82900,
"listing": {
"status": "off_market",
"list_date": "2009-01-26T07:00:00Z",
"list_price": 82900,
"listing_id": "501686915",
"last_update_date": "2009-05-05T13:21:42Z",
"last_status_change_date": "2009-04-30T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "15 days",
"source_listing_id": "418035",
"price_change_percentage": null
},
{
"date": "2009-02-06",
"price": 82900,
"listing": {
"status": "off_market",
"list_date": "2009-01-26T07:00:00Z",
"list_price": 82900,
"listing_id": "501686915",
"last_update_date": "2009-05-05T13:21:42Z",
"last_status_change_date": "2009-04-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "418035",
"price_change_percentage": "+15.14%"
},
{
"date": "2008-07-23",
"price": 72000,
"listing": null,
"event_name": "Sold",
"price_sqft": 41.83614177803602,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-27.20%"
},
{
"date": "2005-08-30",
"price": 98900,
"listing": {
"status": "off_market",
"list_date": "2005-03-30T07:00:00Z",
"list_price": 98900,
"listing_id": "542486539",
"last_update_date": "2005-08-31T12:00:00Z",
"last_status_change_date": "2005-08-30T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "153 days",
"source_listing_id": "260126",
"price_change_percentage": null
},
{
"date": "2005-03-30",
"price": 98900,
"listing": {
"status": "off_market",
"list_date": "2005-03-30T07:00:00Z",
"list_price": 98900,
"listing_id": "542486539",
"last_update_date": "2005-08-31T12:00:00Z",
"last_status_change_date": "2005-08-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "260126",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7167627045",
"generated_at": "2026-02-16T02:56:21.090901Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.8
},
"utility_allowance": {
"zip_code": "35214",
"home_photo": "https://ap.rdcpix.com/503eea3ef80ce7919e67a49bb0272844l-m1280557707s-w1280.jpg",
"rent_price": 1146.0,
"loan_amount": 100000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2215-Arcadia-Rd_Birmingham_AL_35214_M71676-27045",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 125000.0,
"loan_term_years": 30,
"annual_cash_flow": 10287.88,
"mortgage_monthly": 665.3,
"payment_standard": 1518.0,
"total_amount_out": 25000.0,
"additional_photos": [
"https://ap.rdcpix.com/503eea3ef80ce7919e67a49bb0272844l-m1422189960s-w1280.jpg",
"https://ap.rdcpix.com/503eea3ef80ce7919e67a49bb0272844l-m2894708202s-w1280.jpg",
"https://ap.rdcpix.com/503eea3ef80ce7919e67a49bb0272844l-m3776694739s-w1280.jpg",
"https://ap.rdcpix.com/503eea3ef80ce7919e67a49bb0272844l-m1147857123s-w1280.jpg",
"https://ap.rdcpix.com/503eea3ef80ce7919e67a49bb0272844l-m1253867836s-w1280.jpg",
"https://ap.rdcpix.com/503eea3ef80ce7919e67a49bb0272844l-m7354555s-w1280.jpg",
"https://ap.rdcpix.com/503eea3ef80ce7919e67a49bb0272844l-m203550301s-w1280.jpg",
"https://ap.rdcpix.com/503eea3ef80ce7919e67a49bb0272844l-m1777997295s-w1280.jpg",
"https://ap.rdcpix.com/503eea3ef80ce7919e67a49bb0272844l-m2598920990s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 69.88,
"monthly_cash_flow": 857.32,
"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 heat. As the water heater is electric, electric heating (via Alabama Power) is assumed, being a common configuration and a major provider in the area.",
"utility": "heating",
"allowance": 93
},
{
"note": "Property has central air conditioning, which is electric. Alabama Power is selected as it's a major regional provider.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property information explicitly states an electric water heater. Alabama Power is selected as the provider for consistency.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "The property does not include a cooking appliance. An electric range is assumed for consistency with other electric systems, using Alabama Power as the provider.",
"utility": "cooking",
"allowance": 21
},
{
"note": "This covers general electricity for lights, outlets, and the tenant-provided refrigerator. Alabama Power is selected as the provider.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "The property has public water and is located within the city of Birmingham, making 'Water: Birmingham' the appropriate schedule choice.",
"utility": "water",
"allowance": 78
},
{
"note": "Property information states it uses a septic tank, resulting in no monthly public sewer cost for the tenant.",
"utility": "sewer",
"allowance": 0
},
{
"note": "The property is in an unincorporated part of Jefferson County; therefore, the county-level trash collection service was chosen.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as provided, so the tenant is assumed to supply their own, and the corresponding allowance is included.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as provided, so the tenant is assumed to supply their own, and the corresponding allowance is included.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.41,
"down_payment_amount": 25000.0,
"property_tax_annual": 1250.42,
"property_tax_monthly": 104.2,
"property_tax_increase": 0.03,
"utility_allowance_total": 372.0,
"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": 2304.25,
"property_management_monthly": 114.6,
"monthly_cash_flow_after_debt": 192.02,
"cash_on_cash_return_after_debt": 0.09
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 1948 single-family shows mostly cosmetic updates and is likely rentable after minor repairs and safety completions. Primary risks for an initial HCV/NSPIRE inspection are missing/undocumented smoke and CO detectors, absent GFCI outlets in the kitchen/bath (not visible), and undocumented condition of major systems (HVAC, water heater, electrical panel). Missing kitchen appliances (range/fridge) are moderate capital items. Expected to reach inspection-ready condition within ~30 days if detectors, GFCIs, appliances, and any small mechanical/service issues are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic refresh (paint, clean walls, hardwood floors) and intact trim in most rooms. Visible minor flooring scuffs, small trim/baseboard gaps, and at least one missing lower cabinet drawer face. Kitchen staging shows no range or refrigerator in photos — missing appliances reduce turnkey readiness moderately but are capital items, not structural. Exterior shows intact siding and chimney with minor yard cleanup needed. Overall mostly cosmetic/finish work."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in the photos (likely missing or not photographed) — NSPIRE requires working smoke detectors on each level and in/near sleeping areas; their absence is an inspection risk. No obvious exposed wiring, open electrical splices, or collapsed ceilings visible. GFCI protection is not visible in kitchen photos (no GFCI outlets shown) which is a common fail point. Bedrooms show windows that likely provide egress but sizing cannot be confirmed from photos. Entry door hardware visible but deadbolt not clearly shown. Small trip hazards (tree stump, uneven yard) present outside. No visible active water intrusion, major mold, or structural failures observed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "No mechanicals (HVAC equipment, water heater, electrical panel) are photographed. Evidence of forced-air system vents/registers seen on floors which suggests central HVAC present but operational status unknown. No visible roof leaks or sagging ceilings in photos. Kitchen plumbing fixtures present and appear intact (double basin sink/faucet). Electrical panel and water heater condition not documented — moderate uncertainty about immediate operational readiness of major systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior shell (siding, brick foundation, chimney) appears intact from front elevations; roof appears serviceable from photos with no obvious large failures. Front steps and deck have railings but guardrail height and stair safety compliance cannot be measured from images. Yard has leaf cover, tree stumps/roots and slope that present trip hazards and will need cleanup. Driveway and detached structure visible and appear usable. No visible standing water or severe exterior deterioration."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (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/undocumented smoke detectors and CO alarms (NSPIRE fail if not installed).",
"No visible GFCI-protected outlets in kitchen (potential NSPIRE fail).",
"Trip hazards in front yard (large stump/roots) that could create exterior safety violations."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or CO alarms were installed or visible in the provided photos; assume they are absent or not visible.",
"Central heating/AC exists (floor registers visible) and is assumed operable but not verified.",
"Water heater and electrical panel are present but not photographed; their condition is unknown.",
"Bedroom windows provide required egress based on visible size, but exact measurements were not available.",
"Missing stove and refrigerator in photos indicate appliances are not present and will need to be supplied by owner/landlord.",
"Porch/deck guardrail is continuous but exact height and baluster spacing not verifiable from photos."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely turnkey with cosmetic updates and a few straightforward repairs required. Interior finishes and floors are in good condition; exterior envelope and roof appear serviceable. The most likely inspection barriers are missing/uncertain smoke and CO detectors, potential lack of GFCI protection in kitchen/bath, and the absence of visible range/refrigerator (appliances alone don't cause failure but must be provided or accounted for). Major structural or life-safety failures are not evident from photos. With installation of required detectors, verification/servicing of HVAC and water heater, confirming/adding GFCI outlets, and adding missing appliances, the home would likely pass an initial HCV/NSPIRE inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recently painted walls, intact hardwood floors, finished trim and functioning light fixtures — overall cosmetically clean. Kitchen cabinets and counters are present but photos show no range or refrigerator (appliances likely removed). Minor finish wear at base of fireplace and cabinet faces; tile floor in kitchen appears intact. Missing appliances and a few cosmetic touch-ups (cabinet doors, baseboard repair) are the primary items to address and are straightforward capital repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious life-threatening hazards visible (no sagging ceilings, no active leaks, no exposed wiring). Exterior entry has a handrail; porch has guardrails. However, no smoke detectors or CO detectors are visible in photos (required). GFCI outlets in kitchen/bath not identifiable (likely absent given house age). Bedroom window sizes appear typical but full egress compliance can't be confirmed from images. Electrical panel, hot water, and gas connections not shown. Overall moderate safety risk due to missing/uncertain detection devices and GFCI — these are fixable but required before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Floor vents visible indicating a central HVAC/forced-air system likely present, and roof/shingles appear intact in exterior photos with no visible sagging or active leaks. Kitchen sink and fixtures look operable. Water heater, HVAC equipment, and electrical panel locations are not shown so condition and age cannot be confirmed. No visible signs of plumbing failure or roof damage. Recommendation: verify HVAC operates, confirm water heater and hot water, and inspect electrical panel for breakers and labeling."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 75.0,
"rationale": "Exterior photos show a sound brick foundation/siding, intact chimney, and a raised front porch with guardrail. Yard is slightly overgrown with leaf litter and several mature trees close to the house (increased future maintenance and minor risk of roof debris). Driveway and adjacent outbuilding visible and appear serviceable. No standing water, major erosion, or visible foundation cracking in provided photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"No evidence in photos of active roof leaks, major foundation movement, collapsed ceilings, or severe mold; assume none present.",
"Central HVAC exists and is functional because floor/ceiling vents are visible; system age and performance unverified.",
"Water heater and hot water are present and functional though not shown in photos.",
"Electrical panel is present and functional; no visible exposed wiring inside photos.",
"Bedrooms have egress windows of code size or close to it based on window proportions visible; final measurement required.",
"Kitchen photos show no stove or refrigerator — assume appliances will need to be provided by owner or installed prior to move-in.",
"Smoke and CO detectors, and kitchen/bath GFCI protection are not visible in photos and likely need to be installed or verified."
],
"overall_score": 73.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 1948 single-family appears in sound cosmetic condition with freshly painted interiors and intact hardwood floors. The property is likely to become Section 8 / NSPIRE passable with a short list of fixes: install smoke and CO detectors in required locations, verify and install GFCI protection in kitchen/bath, confirm operable egress windows in bedrooms, supply missing major kitchen appliances or document tenant-supplied arrangement, and verify HVAC, water heater and electrical panel condition. Exterior cleanup (remove shrubbery from siding, stump removal) and minor porch/guardrail checks will help reduce inspection notes. No major structural defects, active leaks, or collapsed elements are visible in the supplied photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted and floors are intact with only surface wear. Trim, baseboards and light fixtures are present. Kitchen cabinets and counters are serviceable but one cabinet appears missing/detached and both stove and refrigerator are not shown — missing appliances reduce readiness moderately but are straightforward to supply. Minor cosmetic floor scuffs and some trim touch-up needed. No visible collapsed finishes or major water damage."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No visible smoke detectors or CO alarms in photos (required). Entry door knob visible but no clear deadbolt shown. No obvious exposed wiring or collapsed ceilings. Kitchen outlets visible but no identified GFCI near sink in photos. Bedrooms have windows that appear operable but egress dimensions not verified. No visible active leaks, mold or major trip hazards inside. Overall some code items likely missing (detectors, GFCI, verified locks/egress) that an inspector would require before passing."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 65.0,
"rationale": "Floor vents and ceiling fans indicate a central HVAC distribution likely present but the mechanical equipment (furnace/A/C, water heater, electrical panel) are not shown; condition and age unknown. Plumbing fixtures (kitchen sink) appear functional. Roof appears intact from photos with no visible sag or active leak staining. Because major equipment is not visible, there's a moderate unknown risk but no clear signs of system failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.0,
"rationale": "Exterior siding and brick foundation visible and generally intact. Front steps/porch and railing present (wood rail looks serviceable though not high-end). Lot is sloped, with tree stumps and overgrown shrubs against the house that should be cleared to prevent moisture/termite issues. Driveway and a secondary structure visible; no standing water or large foundation cracks seen. Landscaping/cleanup needed but no structural exterior failure apparent."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"No furnace/A/C, water heater, or electrical panel photos were provided; presence of floor registers implies a central HVAC system exists but its operational status and age are unknown.",
"Smoke detectors and CO alarms are not visible in provided photos and are assumed to be absent or not properly located.",
"Appliances (stove, refrigerator) are not present in photos and are assumed missing; landlord would need to supply to be 'move-in ready'.",
"Bedroom windows appear to be operable but egress size (opening dimensions) was not measured and is assumed likely adequate given window type, but must be verified.",
"No visible interior mold, active roof leaks, structural sagging, or major foundation movement were observed in photos; hidden issues cannot be excluded.",
"Exterior railings and steps appear serviceable from photos but have not been tested for structural integrity."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2215 Arcadia Rd, Birmingham, AL, 35214",
"aggregate": {
"summary": "Overall this 1948 single-family shows mostly cosmetic updates and is likely rentable after minor repairs and safety completions. Primary risks for an initial HCV/NSPIRE inspection are missing/undocumented smoke and CO detectors, absent GFCI outlets in the kitchen/bath (not visible), and undocumented condition of major systems (HVAC, water heater, electrical panel). Missing kitchen appliances (range/fridge) are moderate capital items. Expected to reach inspection-ready condition within ~30 days if detectors, GFCIs, appliances, and any small mechanical/service issues are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Interior photos show recent cosmetic refresh (paint, clean walls, hardwood floors) and intact trim in most rooms. Visible minor flooring scuffs, small trim/baseboard gaps, and at least one missing lower cabinet drawer face. Kitchen staging shows no range or refrigerator in photos — missing appliances reduce turnkey readiness moderately but are capital items, not structural. Exterior shows intact siding and chimney with minor yard cleanup needed. Overall mostly cosmetic/finish work."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 69.3,
"rationale": "Exterior shell (siding, brick foundation, chimney) appears intact from front elevations; roof appears serviceable from photos with no obvious large failures. Front steps and deck have railings but guardrail height and stair safety compliance cannot be measured from images. Yard has leaf cover, tree stumps/roots and slope that present trip hazards and will need cleanup. Driveway and detached structure visible and appear usable. No visible standing water or severe exterior deterioration."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"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": 61.7,
"rationale": "No smoke detectors or CO alarms are visible in the photos (likely missing or not photographed) — NSPIRE requires working smoke detectors on each level and in/near sleeping areas; their absence is an inspection risk. No obvious exposed wiring, open electrical splices, or collapsed ceilings visible. GFCI protection is not visible in kitchen photos (no GFCI outlets shown) which is a common fail point. Bedrooms show windows that likely provide egress but sizing cannot be confirmed from photos. Entry door hardware visible but deadbolt not clearly shown. Small trip hazards (tree stump, uneven yard) present outside. No visible active water intrusion, major mold, or structural failures observed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "No mechanicals (HVAC equipment, water heater, electrical panel) are photographed. Evidence of forced-air system vents/registers seen on floors which suggests central HVAC present but operational status unknown. No visible roof leaks or sagging ceilings in photos. Kitchen plumbing fixtures present and appear intact (double basin sink/faucet). Electrical panel and water heater condition not documented — moderate uncertainty about immediate operational readiness of major systems."
}
],
"red_flags": [
"No visible/undocumented smoke detectors and CO alarms (NSPIRE fail if not installed).",
"No visible GFCI-protected outlets in kitchen (potential NSPIRE fail).",
"Trip hazards in front yard (large stump/roots) that could create exterior safety violations."
],
"confidence": 0.85,
"assumptions": [
"No smoke detectors or CO alarms were installed or visible in the provided photos; assume they are absent or not visible.",
"Central heating/AC exists (floor registers visible) and is assumed operable but not verified.",
"Water heater and electrical panel are present but not photographed; their condition is unknown.",
"Bedroom windows provide required egress based on visible size, but exact measurements were not available.",
"Missing stove and refrigerator in photos indicate appliances are not present and will need to be supplied by owner/landlord.",
"Porch/deck guardrail is continuous but exact height and baluster spacing not verifiable from photos."
],
"score_method": "mean_of_criteria",
"overall_score": 68.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7167627045"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.