Property ID: 7180102912
901 47th St N, Birmingham, AL, 35212
Birmingham, AL
Money Down: $24,000
CoC Return: 0.81%
Monthly Cash Flow: $16
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,000
Closing Costs
$4,000
Total Down
$24,000
Investment Snapshot
Purchase Price
$100,000
Money Down
$24,000
Cash-on-Cash Return
0.81%
Rent
$681
Monthly Cash Flow
$16
Annual Cash Flow
$194
Debt Service / Mo
$532
Property Tax / Mo
$23
Insurance / Mo
$42
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$681
Payment Standard
$1,122
Rent
$681
Insurance
$42
Property Tax
$23
Management
$68
Utilities Allowance
$441
NOI (Monthly)
$548
Debt Service
$532
Cash Flow After Debt
$16
Quality Score: 65.50%
Confidence: 73.00%
Likely to pass an initial HCV/NSPIRE inspection with targeted fixes. Strengths: recent furnace (2021) and relatively new metal roof, fenced yard and basic site soundness. Main issues to address before inspection: correct/secure exposed porch wiring, repair/secure damaged concrete steps/handrails, verify/install smoke and CO detectors, confirm GFCI in kitchen/bath and functional plumbing/hot water, and address aged window/egress concerns. The property is rentable within ~2–4 weeks if interior safety items and minor repairs are completed.
Section 8 Payment Standard
$1,122
Utility Allowance Total
$441
Guaranteed Section 8 Rent (PS - Utilities)
$681
Property Management
$68
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$100,000
Beds
2
Baths
1
Living Area
698 sqft
Lot Size
7,841 sqft
Year Built
1950
Days on Market
24
Capital Outlay
$24,000
Debt Service
$532
Property Tax / Mo
$23
Insurance / Mo
$42
Property Description
Great investment opportunity. 2 bed / 1 bath home. Furnace installed 12/7/2021. Roof is 3 years old. More details to follow.
Utility Allowances
Heating
$76
Property has central heating. Fuel is inferred as electric based on the electric water heater. 'Elec Heat: Ala Power' was selected as the most likely provider in Birmingham.
Cooling
$18
Property uses window unit A/C. 'A/C: Alabama Power' was selected as the primary electric provider in the area.
Water Heating
$46
Property details explicitly state an 'Electric Water Heater'. 'Elec: Ala Power' was selected as the appropriate provider.
Cooking
$17
An electric oven is visible in photos. It is assumed the tenant pays for electricity. 'Elec: Ala Power' was selected.
Other Electric
$56
Standard allowance for lights and miscellaneous electric use. 'Lights, Ref, Etc.: Ala Power' was selected for a 2-bedroom unit.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so this allowance for a tenant-owned appliance is included.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so this allowance for a tenant-owned appliance is included.
Water
$69
Property uses public water. The schedule provides a specific rate for 'Water: Birmingham', which matches the property's location.
Sewer
$125
Property details state 'Sewer: Connected'. The allowance is a fixed rate from the schedule for a 2-bedroom unit.
Trash Collection
$20
Trash collection is assumed tenant-paid. The 'Jefferson City' rate was used as a proxy for Birmingham, as both are in Jefferson County and a specific Birmingham rate was not available.
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$380
DP3 Annual Estimate$620
DP1 Monthly Equivalent$32
DP3 Monthly Equivalent$52
Replacement Value$28,900
Basis698 sqft / 1950
Nearby Houses
Photo unavailable
848 47th Pl N
sold · 0.04 mi
Price: $30,000
3 bd / 1 ba · 1,328 sqft
Latest sale: $30,000 on Apr 22, 2020
Latest rent: —
Photo unavailable
828 47th St N
sold · 0.04 mi
Price: $4,990
3 bd / 1 ba · 826 sqft
Latest sale: $4,990 on Aug 15, 2024
Latest rent: —
Photo unavailable
924 47th St N
sold · 0.06 mi
Price: $5,000
3 bd / 1 ba
Latest sale: $5,000 on Mar 02, 2018
Latest rent: —
Photo unavailable
924 47th Pl N
off_market · 0.07 mi
Price: $15,000
— bd / — ba
Latest sale: $21,500 on Nov 01, 1982
Latest rent: —
Photo unavailable
808 47th St N Apt B
off_market · 0.08 mi
Price: $775
2 bd / 1 ba · 700 sqft
Latest sale: —
Latest rent: $785 on Dec 03, 2025
Photo unavailable
808 47th St N
sold · 0.08 mi
Price: $120,000
6 bd / 3 ba · 2,016 sqft
Latest sale: $120,000 on Jun 23, 2025
Latest rent: —
Photo unavailable
937 47th St N
sold · 0.09 mi
Price: $122,000
3 bd / 2 ba · 1,500 sqft
Latest sale: $122,000 on Jul 25, 2024
Latest rent: $1,400 on Nov 09, 2024
Photo unavailable
934 47th St N
sold · 0.10 mi
Price: $39,000
2 bd / 1 ba · 972 sqft
Latest sale: $39,000 on Dec 04, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Visible exposed wiring at front porch light fixture (electrical hazard)
- Rear/front concrete steps show crumbling/deterioration — potential unsafe stairs/handrail issue
- Cinder-block outbuilding/garage has visible block cracking (structural concern for accessory structure)
Assumptions
- Furnace installed 12/7/2021 as listed is present and operational.
- Roof reported as 3 years old is the metal roof visible in photos and is water-tight.
- No interior photos provided; assume typical older interior condition for a 1950 home unless otherwise disclosed.
- Appliances (stove, refrigerator) are not shown; assume they may be missing or not included unless seller confirms.
- Electrical panel, water heater and plumbing exist and are functional but were not visible in photos and thus unverified.
- Windows are original/older single-pane; bedroom egress compliance not verifiable from exterior photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $266 | $46,600 | $4,660 |
| 2023 | $675 | $46,600 | $9,320 |
| 2022 | $645 | $44,500 | $8,900 |
| 2021 | $559 | $38,600 | $7,720 |
| 2020 | $559 | $38,600 | $7,720 |
| 2019 | $559 | $38,600 | $7,720 |
| 2018 | $514 | $35,500 | $7,100 |
| 2017 | $514 | $35,500 | $7,100 |
| 2016 | $514 | $35,500 | $7,100 |
| 2015 | $514 | $35,500 | $7,100 |
| 2013 | $504 | $35,200 | $7,040 |
| 2012 | $504 | $35,200 | $7,040 |
| 2011 | $536 | $37,500 | $7,500 |
| 2010 | $536 | $37,500 | $7,500 |
| 2009 | $536 | $37,500 | $7,500 |
| 2008 | $543 | $38,000 | $7,600 |
| 2007 | $520 | $36,400 | $7,280 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-08-08 | Sold | $56,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2019-01-04 | Listed for rent | $650 | — |
| 2017-12-11 | Listed for rent | $600 | — |
Photo Gallery
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"note": "Property has central heating. Fuel is inferred as electric based on the electric water heater. 'Elec Heat: Ala Power' was selected as the most likely provider in Birmingham.",
"utility": "Heating",
"allowance": 76
},
{
"note": "Property uses window unit A/C. 'A/C: Alabama Power' was selected as the primary electric provider in the area.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "Property details explicitly state an 'Electric Water Heater'. 'Elec: Ala Power' was selected as the appropriate provider.",
"utility": "Water Heating",
"allowance": 46
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{
"note": "An electric oven is visible in photos. It is assumed the tenant pays for electricity. 'Elec: Ala Power' was selected.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "Standard allowance for lights and miscellaneous electric use. 'Lights, Ref, Etc.: Ala Power' was selected for a 2-bedroom unit.",
"utility": "Other Electric",
"allowance": 56
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{
"note": "A refrigerator is not listed as a provided appliance, so this allowance for a tenant-owned appliance is included.",
"utility": "Refrigerator",
"allowance": 8
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{
"note": "A microwave is not listed as a provided appliance, so this allowance for a tenant-owned appliance is included.",
"utility": "Range/Microwave",
"allowance": 6
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{
"note": "Property uses public water. The schedule provides a specific rate for 'Water: Birmingham', which matches the property's location.",
"utility": "Water",
"allowance": 69
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{
"note": "Property details state 'Sewer: Connected'. The allowance is a fixed rate from the schedule for a 2-bedroom unit.",
"utility": "Sewer",
"allowance": 125
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{
"note": "Trash collection is assumed tenant-paid. The 'Jefferson City' rate was used as a proxy for Birmingham, as both are in Jefferson County and a specific Birmingham rate was not available.",
"utility": "Trash Collection",
"allowance": 20
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{
"summary": "Likely to pass an initial HCV/NSPIRE inspection with targeted fixes. Strengths: recent furnace (2021) and relatively new metal roof, fenced yard and basic site soundness. Main issues to address before inspection: correct/secure exposed porch wiring, repair/secure damaged concrete steps/handrails, verify/install smoke and CO detectors, confirm GFCI in kitchen/bath and functional plumbing/hot water, and address aged window/egress concerns. The property is rentable within ~2–4 weeks if interior safety items and minor repairs are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Visible Repairs",
"score": 70.0,
"rationale": "Exterior paint and siding show wear, some patched/peeling areas. Porch floor has a visible plywood patch and a temporary curtain screen; front/rear concrete steps are cracked and stained. Windows and trim are aged and will likely need sash/trim repair or replacement. No interior photos — appliances not shown (missing appliances assumed possible). These are largely cosmetic/medium repairs that appear easy to remediate."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No interior photos to confirm smoke/CO detectors, GFCI outlets, or plumbing/hot water. Front porch shows an exposed surface-mounted light and visible wiring that could be an electrical hazard. Stairs have handrails but rear steps show crumbling concrete and may be unstable. Windows are older (egress not verifiable). No obvious active roof leak, major structural sagging, or standing water visible. Overall moderate risk until interior safety items verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Listing states furnace installed in 12/2021 and roof is ~3 years old (photos show a metal roof in good visible condition) — positive indicators. Electrical panel, water heater and plumbing condition not visible; assume operational but unverified. Shed/garage shows cinder block damage which does not directly indicate main system failure. Given the recent furnace and roof, major systems likely serviceable but need verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Fully fenced yard appears clean and usable; new-looking wooden privacy fence. Driveway surface is worn/gravelly. Backyard has a cinder-block outbuilding/garage with visible block cracking and an open roll-up entry; this structure may need repair. Foundation appears mostly intact though a few foundation vents and small block voids under steps are visible. Yard grading appears flat with no standing water observed."
},
{
"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": [
"Visible exposed wiring at front porch light fixture (electrical hazard)",
"Rear/front concrete steps show crumbling/deterioration — potential unsafe stairs/handrail issue",
"Cinder-block outbuilding/garage has visible block cracking (structural concern for accessory structure)"
],
"confidence": 0.75,
"assumptions": [
"Furnace installed 12/7/2021 as listed is present and operational.",
"Roof reported as 3 years old is the metal roof visible in photos and is water-tight.",
"No interior photos provided; assume typical older interior condition for a 1950 home unless otherwise disclosed.",
"Appliances (stove, refrigerator) are not shown; assume they may be missing or not included unless seller confirms.",
"Electrical panel, water heater and plumbing exist and are functional but were not visible in photos and thus unverified.",
"Windows are original/older single-pane; bedroom egress compliance not verifiable from exterior photos."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026"
},
{
"summary": "Moderately ready for Section 8 rental with moderate repairs. The property shows a sound roof and a recently installed furnace, a fenced yard and generally serviceable exterior — positive indicators for passing an initial HCV/NSPIRE inspection. However, several safety and cosmetic issues need attention before inspection: exposed porch wiring and a bare bulb fixture, spalled concrete steps and marginal handrails, likely absence/not-visible smoke and CO detectors, peeling paint (property built 1950 — likely lead risk), and an aged exterior/trim and outbuilding with cracked cinderblock. If those safety items (smoke/CO detectors, secure handrails, wiring fixes, step repairs, window egress check, addressing peeling paint) plus basic interior verifications (working hot water, functioning electrical panel, GFCI in wet areas, working HVAC/water heater) are completed, the house should be rent-ready within ~2–4 weeks. If interior systems are discovered faulty, timeline could extend.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Exterior photos show an intact metal roof (listed as 3 years old) and an overall solid small frame house, but with multiple cosmetic and deferred maintenance items: peeling/aged siding paint, worn window sills and trim, missing/faded awnings, and porch finishes needing attention. Front and rear concrete steps show spalling and wear. Porch ceiling has a bare bulb and visible wiring (covers/fixtures needed). Interior photos were not provided, so missing appliances / interior cosmetic conditions are unknown — the absence of photos assumed to be typical for an occupied-but-aging small rental. These are mostly repair/cosmetic items likely resolved with moderate work; not indicative of immediate catastrophic structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 58.0,
"rationale": "Visible safety concerns raise moderate inspection risk. Observations: exposed wiring/light fixture on covered porch; rear and front steps show concrete spalling and may be trip hazards; handrails are present but appear thin/rusted and may not meet current strength/height requirements; no smoke detectors/carbon monoxide detectors are visible in exterior shots (not proof they are absent, but absence of any visible exterior-mounted detectors increases the risk); windows are older and bedroom egress sizing cannot be confirmed from photos. The perimeter is fenced and yard is free of standing water or obvious major debris, which is positive. Given the house age (1950), lead-based paint risk is probable where paint is peeling. Overall, safety items are fixable but multiple items could cause an initial NSPIRE fail without remediation."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems & Major Components",
"score": 65.0,
"rationale": "Listing states a furnace was installed 12/7/2021 and the roof is 3 years old — both strong positives. No central condensing unit or water heater is visible in photos; a window AC appears in one image (possible supplemental cooling). Electrical panel, plumbing fixtures, hot water and sewer function cannot be visually confirmed. The roof appears intact with visible plumbing vents; the crawlspace/foundation vents are present. Based on the listing claims and no visible signs of active leaks or failed systems, major systems likely functional but unverified — moderate score reflects some uncertainty and need for interior mechanical verification (panel, GFCI, water heater, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 74.0,
"rationale": "Property has full wood privacy fencing that appears recently installed or in good condition, a level yard, and a separate cinder-block outbuilding/shed. Driveway area is usable though partially gravel/patched. The shed shows some cracked mortar/block and an open doorway that needs repair and securing. Yard is clear of standing water and major debris, but several tree stumps and small debris present (trip hazards). Overall site is functional and secured but the outbuilding and some yard clean-up are needed."
},
{
"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": [
"Exposed wiring / bare light fixture on covered porch (safety hazard and likely code fail).",
"No visible smoke detectors or carbon monoxide detectors in photos (likely NSPIRE fail if absent).",
"Concrete steps show spalling and deterioration at front and rear — trip/fall hazard; handrails appear thin/rusted and may not meet strength/height requirements.",
"Peeling/aged exterior paint on a home built in 1950 — potential lead-based paint hazard requiring HUD/lead-safe work practices.",
"Cinder-block outbuilding shows cracked block/mortar and open/unfinished doorway — security and structural concern for the outbuilding."
],
"confidence": 0.65,
"assumptions": [
"Interior photos were not provided; assume interior is occupied or typical for an older rental and that no catastrophic interior failures (collapsed ceilings, major mold) are present since not visible externally.",
"Listing statement that furnace was installed 12/7/2021 is accurate and the heating system is operational.",
"Roof is as-stated ~3 years old and currently watertight (no active roof leaks observed externally).",
"No smoke/CO detectors were visible in supplied photos; assume detectors may be missing or not correctly located until confirmed.",
"Electrical panel, GFCI protection, hot water, and plumbing operation were not shown and therefore treated as unknown; scoring reflects conservative moderate risk rather than confirmed failure.",
"Lead-based paint risk is assumed due to year built (1950) and visible peeling paint on exterior trim; a lead risk assessment would be required for HUD compliance if disturbed."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2-bed/1-bath 1950 cottage presents as a moderately-worn but largely intact property with a recent roof (~3 years) and a 2021 furnace — both favorable for inspection. Primary NSPIRE risks visible from photos are peeling/deteriorated paint (lead-paint risk), exposed porch wiring, crumbling rear steps and inadequate handrail, possible insufficient bedroom egress window sizes, and no visible smoke/CO detectors. Systems (roof/furnace) appear serviceable but electrical, plumbing, hot water and interior conditions are unverified. With targeted repairs (install/verify smoke & CO detectors, repair/replace deteriorated steps and handrail, secure/repair porch wiring and lighting, remediate peeling paint, confirm egress windows or provide alternative egress, plus minor cosmetic fixes and appliance provisioning) this property is likely to pass an initial HCV/NSPIRE inspection in 30–60 days. If lead-based paint remediation or egress upgrades are required, that could extend timeline.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Exterior photos show overall intact structure but clear deferred maintenance and cosmetic damage: peeling/flaking paint around windows, patched porch floor panel, cracked/missing concrete on rear steps, worn window trim and storm doors. Front porch is curtained/tarped which suggests temporary repairs; driveway is patchy. Missing interior photos prevent full verification of flooring, cabinetry and appliances — assume kitchen/bath exist but may need updates. These are mostly moderate, repairable items rather than catastrophic structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 45.0,
"rationale": "Photos reveal several inspection-risk items: visible peeling paint on an original 1950 house (potential lead risk), exposed wiring at the front porch light fixture, rear concrete steps are crumbling and have a bent/insufficient handrail (trip/fall hazard). No smoke/CO detectors are visible in photos (not definitive but must be installed). Windows appear small and some awning windows may not meet bedroom egress requirements. While furnace and roof are recently updated per listing, several code-level items (detectors, handrail/steps repair, remove/secure exposed wiring, address deteriorated paint) will likely be required before passing NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 65.0,
"rationale": "Listing states furnace installed 12/7/2021 and roof is ~3 years old (photos show a metal roof in good condition) which support generally functional heating and roof. Two roof vent pipes visible consistent with water heater and furnace venting. No exterior central A/C condenser visible in photos (possible window/through-wall AC units). Electrical panel and plumbing fixtures are not shown so their condition is unknown. Given recent furnace and new roof, mechanical risk is moderate but unverified — require in-person check of electrical panel, hot water, and a/c operation."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Yard is fully fenced with a newer-looking privacy fence and gate (positive). Lot is level and usable; detached cinderblock outbuilding exists but shows some wear and stored debris. Driveway/parking area is worn and uneven gravel/concrete mix. Foundation appears to be block piers with vents present; no obvious large foundation settlement or sagging visible in photos. Rear steps and small rear stoop are deteriorated and need repair. Overall exterior/site is serviceable with some repairs required."
},
{
"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": [
"Deteriorated/peeling exterior paint on a 1950-built house — potential lead-based paint hazard requiring HUD-compliant remediation.",
"Visible exposed wiring at front/porch light fixture.",
"Crumbling rear concrete steps with bent/insufficient handrail (trip/fall hazard).",
"No smoke or carbon monoxide detectors visible in photos (must be present and functional).",
"Possible inadequate bedroom egress (windows appear small/awning-style) — may fail NSPIRE egress requirements without modification."
],
"confidence": 0.6,
"assumptions": [
"Interior photos not provided — assume standard 2-bed/1-bath layout with functional kitchen and bathroom fixtures but condition unknown.",
"Listing statement that furnace was installed 12/7/2021 is accurate and furnace is operational.",
"Roof reported as 3 years old is the metal roof shown in photos and is watertight (no active leaks visible externally).",
"No central A/C condenser was visible; assume cooling may be via window/through-wall units or that A/C condition is unverified.",
"Electrical panel, major plumbing and water heater locations are not visible; assume functioning but require verification by inspector.",
"Peeling paint on exterior trim is assumed to be deteriorated paint that may be lead-based (house built in 1950) and will require remediation per HUD if disturbed.",
"Appliances (stove/refrigerator) are not shown; assume they may be missing or older — landlord should plan to provide or repair as needed for marketability, but missing appliances alone are a moderate (not catastrophic) issue."
],
"overall_score": 59.0,
"rubric_version": "nsPIRE_assessment_v1_2026-02-16"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "901 47th St N, Birmingham, AL, 35212",
"aggregate": {
"summary": "Likely to pass an initial HCV/NSPIRE inspection with targeted fixes. Strengths: recent furnace (2021) and relatively new metal roof, fenced yard and basic site soundness. Main issues to address before inspection: correct/secure exposed porch wiring, repair/secure damaged concrete steps/handrails, verify/install smoke and CO detectors, confirm GFCI in kitchen/bath and functional plumbing/hot water, and address aged window/egress concerns. The property is rentable within ~2–4 weeks if interior safety items and minor repairs are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Visible Repairs",
"score": 66.0,
"rationale": "Exterior paint and siding show wear, some patched/peeling areas. Porch floor has a visible plywood patch and a temporary curtain screen; front/rear concrete steps are cracked and stained. Windows and trim are aged and will likely need sash/trim repair or replacement. No interior photos — appliances not shown (missing appliances assumed possible). These are largely cosmetic/medium repairs that appear easy to remediate."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 74.7,
"rationale": "Fully fenced yard appears clean and usable; new-looking wooden privacy fence. Driveway surface is worn/gravelly. Backyard has a cinder-block outbuilding/garage with visible block cracking and an open roll-up entry; this structure may need repair. Foundation appears mostly intact though a few foundation vents and small block voids under steps are visible. Yard grading appears flat with no standing water observed."
},
{
"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": 56.0,
"rationale": "No interior photos to confirm smoke/CO detectors, GFCI outlets, or plumbing/hot water. Front porch shows an exposed surface-mounted light and visible wiring that could be an electrical hazard. Stairs have handrails but rear steps show crumbling concrete and may be unstable. Windows are older (egress not verifiable). No obvious active roof leak, major structural sagging, or standing water visible. Overall moderate risk until interior safety items verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 68.3,
"rationale": "Listing states furnace installed in 12/2021 and roof is ~3 years old (photos show a metal roof in good visible condition) — positive indicators. Electrical panel, water heater and plumbing condition not visible; assume operational but unverified. Shed/garage shows cinder block damage which does not directly indicate main system failure. Given the recent furnace and roof, major systems likely serviceable but need verification."
}
],
"red_flags": [
"Visible exposed wiring at front porch light fixture (electrical hazard)",
"Rear/front concrete steps show crumbling/deterioration — potential unsafe stairs/handrail issue",
"Cinder-block outbuilding/garage has visible block cracking (structural concern for accessory structure)"
],
"confidence": 0.73,
"assumptions": [
"Furnace installed 12/7/2021 as listed is present and operational.",
"Roof reported as 3 years old is the metal roof visible in photos and is water-tight.",
"No interior photos provided; assume typical older interior condition for a 1950 home unless otherwise disclosed.",
"Appliances (stove, refrigerator) are not shown; assume they may be missing or not included unless seller confirms.",
"Electrical panel, water heater and plumbing exist and are functional but were not visible in photos and thus unverified.",
"Windows are original/older single-pane; bedroom egress compliance not verifiable from exterior photos."
],
"score_method": "mean_of_criteria",
"overall_score": 65.5,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7180102912"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.