Property ID: 7187246601
1785 Steiner Ave SW, Birmingham, AL, 35211
Birmingham, AL
Money Down: $20,400
CoC Return: 21.14%
Monthly Cash Flow: $359
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
21.14%
Rent
$1,061
Monthly Cash Flow
$359
Annual Cash Flow
$4,312
Debt Service / Mo
$452
Property Tax / Mo
$83
Insurance / Mo
$60
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,061
Payment Standard
$1,584
Rent
$1,061
Insurance
$60
Property Tax
$83
Management
$106
Utilities Allowance
$523
NOI (Monthly)
$812
Debt Service
$452
Cash Flow After Debt
$359
Quality Score: 78.30%
Confidence: 88.00%
Overall this 3-bed single-family appears largely tenant-ready with recent interior renovations, updated kitchen, new-ish water heater and HVAC (2019) and a reportedly new roof and updated wiring. Most issues visible are minor cosmetics and site maintenance. Primary inspection risks are absence/visibility of required smoke/CO alarms, unclear GFCI protection, and a missing/unclear T&P discharge for the water heater — these should be corrected or verified before an initial HCV/NSPIRE inspection. With those fixes (and verification of electrical panel and HVAC operation) the property is likely to pass an initial inspection within 1–4 weeks.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,061
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
3
Baths
1
Living Area
1,260 sqft
Lot Size
8,712 sqft
Year Built
1930
Days on Market
180
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$83
Insurance / Mo
$60
Property Description
Beautiful home to live in. Or add to your rentals. New roof, updated wiring, Hvac 2019. New flooring, hot water heater. Newly updated kitchen and bathroom. Full size laundry room > As of Jan. 9 2026 it will include a new renter. They will be paying 825.00 monthly.
Utility Allowances
heating
$93
The property has electric heating. 'Elec Heat: Ala Power' was selected as Alabama Power is the primary provider for Birmingham and this is the most expensive electric heating option on the schedule.
cooling
$22
The property has electric central cooling. 'A/C: Alabama Power' was selected as it is the primary provider and the most expensive electric cooling option.
cooking
$21
The property has an electric stove. 'Elec: Ala Power' was selected as it is the primary provider and the most expensive electric cooking option.
water_heating
$56
The property has an electric water heater. 'Elec: Ala Power' was selected as it is the primary provider and the most expensive electric water heating option.
other_electric
$68
This allowance is for lights and general electric use. 'Lights, Ref, Etc.: Ala Power' was selected as it is the primary provider and the most expensive option.
refrigerator
$8
A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned. The schedule provides a fixed allowance for this.
range_microwave
$6
A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned. The schedule provides a fixed allowance for this.
water
$78
The property uses public water. The 'Water: Birmingham' rate was selected as it is specific to the property's location.
sewer
$151
The property is connected to public sewer. The schedule provides a fixed allowance for this service.
trash_collection
$20
The 'Jefferson City (Once per week)' rate was chosen as the most suitable general option for a property located in Birmingham, Jefferson County.
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$579
DP3 Annual Estimate$862
DP1 Monthly Equivalent$48
DP3 Monthly Equivalent$72
Replacement Value$62,600
Basis1,260 sqft / 1930
Nearby Houses
Photo unavailable
1777 Steiner Ave SW
for_sale · 0.02 mi
Price: $124,900
4 bd / 2 ba · 1,855 sqft
Latest sale: $34,000 on Jun 30, 2016
Latest rent: $975 on Sep 27, 2023
Photo unavailable
1784 Steiner Ave SW
sold · 0.04 mi
Price: $108,000
3 bd / 2 ba · 1,734 sqft
Latest sale: $108,000 on Apr 28, 2020
Latest rent: —
Photo unavailable
1764 McMillon Ave SW
sold · 0.06 mi
Price: $21,900
3 bd / 1 ba · 1,240 sqft
Latest sale: $21,900 on May 25, 2023
Latest rent: —
Photo unavailable
1785 McMillon Ave SW
sold · 0.08 mi
Price: $36,750
4 bd / 1 ba · 1,314 sqft
Latest sale: $36,750 on Apr 02, 2021
Latest rent: $675 on May 10, 2019
Photo unavailable
1748 Steiner Ave SW
sold · 0.09 mi
Price: $10,000
3 bd / 2 ba · 1,734 sqft
Latest sale: $10,000 on Jul 11, 2019
Latest rent: —
Photo unavailable
1761 Pearson Ave SW
sold · 0.10 mi
Price: $11,050
3 bd / 1 ba · 1,492 sqft
Latest sale: $11,050 on Apr 09, 2018
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors in interior photos (NSPIRE failure if absent or not in required locations).
- No visible carbon monoxide detector (if required for the fuel type/policy in local jurisdiction).
- Water heater T&P relief discharge piping not evident — code/safety issue (should discharge to within 6" of floor or to approved receptor).
Assumptions
- Listing statements (new roof, updated wiring, HVAC 2019, new hot water heater) are accurate and reflect installed, operational equipment.
- Bedrooms shown meet minimum egress dimensions though exact sill heights and operability were not measured from photos.
- Smoke detectors and CO alarms are not visible in photos; assume they may be absent or not correctly placed so score deducts for that risk.
- Electrical panel condition and location not pictured; assume accessible and intact given 'updated wiring' claim but this is unverified.
- Water heater is electric (photos show AO Smith electric-type) and is functional; T&P discharge piping to floor is not visible and is assumed missing or not extended per code.
- No active leaks, mold, or pest infestations were observed in photos; assume none present beyond minor staining and dirt seen near laundry area.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $968 | $66,800 | $13,360 |
| 2023 | $968 | $66,800 | $13,360 |
| 2022 | $843 | $58,200 | $11,640 |
| 2021 | $717 | $49,500 | $9,900 |
| 2020 | $745 | $51,400 | $10,280 |
| 2018 | $729 | $50,300 | $10,060 |
| 2017 | $297 | $51,900 | $5,200 |
| 2016 | $289 | $50,800 | $5,080 |
| 2015 | $312 | $54,200 | $5,420 |
| 2013 | $290 | $51,000 | $5,100 |
| 2012 | $290 | $53,300 | $5,330 |
| 2011 | $382 | $64,600 | $6,460 |
| 2010 | $382 | $64,600 | $6,460 |
| 2009 | $375 | $63,600 | $6,360 |
| 2008 | $385 | $65,100 | $6,510 |
| 2007 | $361 | $61,600 | $6,160 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2017-05-05 | Sold | $11,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-10-29 | Listed for rent | $895 | — |
| 2022-04-15 | Listed for rent | $925 | — |
Photo Gallery
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{
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{
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{
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{
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"utility": "heating",
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},
{
"note": "The property has electric central cooling. 'A/C: Alabama Power' was selected as it is the primary provider and the most expensive electric cooling option.",
"utility": "cooling",
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{
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{
"note": "The property has an electric water heater. 'Elec: Ala Power' was selected as it is the primary provider and the most expensive electric water heating option.",
"utility": "water_heating",
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},
{
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{
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{
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},
{
"note": "The property uses public water. The 'Water: Birmingham' rate was selected as it is specific to the property's location.",
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},
{
"note": "The property is connected to public sewer. The schedule provides a fixed allowance for this service.",
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{
"note": "The 'Jefferson City (Once per week)' rate was chosen as the most suitable general option for a property located in Birmingham, Jefferson County.",
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}
],
"cash_on_cash_return": 0.57,
"down_payment_amount": 17000.0,
"property_tax_annual": 997.04,
"property_tax_monthly": 83.09,
"property_tax_increase": 0.03,
"utility_allowance_total": 523.0,
"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": 4312.39,
"property_management_monthly": 106.1,
"monthly_cash_flow_after_debt": 359.37,
"cash_on_cash_return_after_debt": 0.25
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3-bed single-family appears largely tenant-ready with recent interior renovations, updated kitchen, new-ish water heater and HVAC (2019) and a reportedly new roof and updated wiring. Most issues visible are minor cosmetics and site maintenance. Primary inspection risks are absence/visibility of required smoke/CO alarms, unclear GFCI protection, and a missing/unclear T&P discharge for the water heater — these should be corrected or verified before an initial HCV/NSPIRE inspection. With those fixes (and verification of electrical panel and HVAC operation) the property is likely to pass an initial inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 82.0,
"rationale": "Interior appears recently renovated: new-looking vinyl/wood-look floors, painted walls, updated kitchen cabinets, countertops and sink, stove present. Minor observable defects: scuffing and discoloration near laundry/water-heater area, missing/lifted threshold and a few trim/strike-plate areas, some dirt/staining at floor edges. Exterior paint and brick are in decent condition. Missing minor cosmetic touch-ups only; no major deferred maintenance visible."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 72.0,
"rationale": "No obvious exposed wiring, no visible roof failures or sagging, entry steps have a handrail visible at one approach. However key NSPIRE items are not visible in photos: no smoke detectors or CO alarm visible (required), GFCI outlets not clearly shown in kitchen/bath, and the water heater's T&P discharge piping is not evident (photo shows heater but no dedicated downward-discharge to within 6\" of floor). Bedrooms appear to have adequate windows for egress in photos. Door hardware appears standard but deadbolt presence is not clearly visible. Overall minor-to-moderate code risks from detector and water-heater discharge issues that should be corrected before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 80.0,
"rationale": "Listing states updated wiring and new roof; HVAC listed as 2019 and a relatively new AO Smith electric water heater is photographed. Kitchen plumbing and stove are present. No visible signs of active leaks or water intrusion in photos. Electrical service/panel was not shown so panel condition is assumed acceptable per listing. Given the visible newer systems (HVAC, water heater, updated wiring claim), mechanical systems appear in good condition though final verification (panel, HVAC runtime, water-heater T&P operation) is recommended."
},
{
"key": "exterior_site",
"label": "Exterior / Site",
"score": 78.0,
"rationale": "Front yard and lot are maintained; siding and painted brick porch look intact. Driveway and sidewalk show surface cracks and wear but no major settlement. Some vegetation is close to foundation and should be cleared to reduce moisture/infestation risk. Porch area and steps look structurally sound in photos; no missing guardrails observed. Overall minor site work recommended (trim vegetation, address sidewalk trip spots)."
},
{
"key": "rental_history_activity",
"label": "Rental history / recent 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 smoke detectors in interior photos (NSPIRE failure if absent or not in required locations).",
"No visible carbon monoxide detector (if required for the fuel type/policy in local jurisdiction).",
"Water heater T&P relief discharge piping not evident — code/safety issue (should discharge to within 6\" of floor or to approved receptor)."
],
"confidence": 0.65,
"assumptions": [
"Listing statements (new roof, updated wiring, HVAC 2019, new hot water heater) are accurate and reflect installed, operational equipment.",
"Bedrooms shown meet minimum egress dimensions though exact sill heights and operability were not measured from photos.",
"Smoke detectors and CO alarms are not visible in photos; assume they may be absent or not correctly placed so score deducts for that risk.",
"Electrical panel condition and location not pictured; assume accessible and intact given 'updated wiring' claim but this is unverified.",
"Water heater is electric (photos show AO Smith electric-type) and is functional; T&P discharge piping to floor is not visible and is assumed missing or not extended per code.",
"No active leaks, mold, or pest infestations were observed in photos; assume none present beyond minor staining and dirt seen near laundry area."
],
"overall_score": 78.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely turnkey for a Housing Choice Voucher inspection. Interiors are freshly updated (flooring, paint, kitchen, bathroom) and systems (water heater shown, range present) appear serviceable. Seller claims new roof and updated wiring; HVAC listed as 2019. The main inspection unknowns are presence and placement of smoke and carbon monoxide alarms, GFCI protection at kitchen/bath, and verification of the electrical panel and HVAC operation. If smoke/CO alarms and required outlet protection are installed and HVAC confirmed operational, this property is likely to pass an initial NSPIRE / Section 8 inspection with minimal items to correct.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show recent cosmetic updates: new-looking flooring, painted walls, updated kitchen cabinets and counters, working sink and range present. Exterior siding, porch and foundation appear intact. Minor issues visible: cracked/uneven driveway and sidewalk edges, small trim/threshold wear and a few missing/unfinished trim details around doors. No major finish deterioration seen. Missing refrigerator not evident in photos but listing shows full-size laundry and stove; missing appliances would be a moderate, easily remedied item."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No visible life‑threatening hazards in photos: no collapsed ceilings, major water intrusion, or obvious exposed live wiring. Porch has a solid knee wall and a step handrail visible. However required items are not documented in photos: smoke alarms and carbon monoxide alarms are not visible (gas meter visible at front exterior → CO alarms required), GFCI protection at sink outlets not shown, and the electrical panel is not shown for verification. Water heater installation appears tidy and an expansion tank is present, but T&P discharge routing is unclear. Because smoke/CO/GFCI presence cannot be confirmed, safety compliance risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 80.0,
"rationale": "Listing states new roof and updated wiring; HVAC listed as 2019. Photos show a recent-looking electric water heater with expansion tank and laundry hookups, and a functional-looking kitchen range. No visible signs of plumbing leaks, active roof damage, or failed systems. Electrical panel and HVAC equipment are not photographed, so assessment relies on seller claims and absence of visible defects. Systems likely functional but verification of HVAC operation and panel/GFCI is recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Yard is maintained and cleared of debris. Siding and brick porch columns appear structurally sound; walkway/driveway show surface cracking and wear but no major trip hazards visible from photos. Some overgrown shrubs on the side could be trimmed. No evidence of standing water, foundation heave or major exterior deterioration in the supplied images."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity",
"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": [
"Seller listing claims (new roof, updated wiring, HVAC 2019, new water heater) are accurate; these systems are assumed functional absent photos showing failure.",
"Smoke alarms and carbon monoxide alarms are not visible in photos; assume they may not be present or their locations are not documented and will require verification/installation prior to inspection.",
"Electrical panel and GFCI outlet protection are not shown; assume updated wiring may include required GFCI protection but this must be verified during inspection.",
"A gas service/meter is visible at the front of the house; assume fuel service exists and CO alarm will be required.",
"Water heater appears properly installed with an expansion tank; assume T&P discharge routing is compliant though the discharge piping is not clearly visible.",
"Range/stove is present (electric) but a refrigerator is not shown in photos; absence of a refrigerator is a minor, non-fatal issue for inspection readiness but should be confirmed.",
"No major structural issues are visible in supplied photos; assume hidden structural or crawlspace issues are unlikely but cannot be fully ruled out without an in-person evaluation."
],
"overall_score": 84.0,
"rubric_version": "ns-pv1-2026-02"
},
{
"summary": "Overall the property appears mostly turnkey for a Housing Choice Voucher inspection: recent interior renovations, working kitchen and range, a visible recently installed water heater and claimed new roof/updated wiring and recent HVAC (2019). Primary NSPIRE risks are lack of visible smoke/CO detectors and unverified GFCI protection and electrical panel condition. Exterior/site issues are minor (driveway/sidewalk cracking). With quick verification/installation of detectors, confirmation of GFCI and panel safety, and correction of a few finish items, this home is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Interior appears recently renovated: new-looking vinyl plank tile flooring, painted walls, updated cabinets and granite counters, functioning sink and range present in photos. Hot water heater appears new or recently replaced. Exterior paint and siding are serviceable. Minor observable issues: scuffing/stains at laundry/water heater floor, small gaps/finish at baseboards/thresholds, cracked/uneven sidewalk and driveway patches. Missing refrigerator not evident in listing/photos but not scored as catastrophic. Overall turnkey with only minor finish work likely needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no visible major mold or structural sag). Photo evidence lacks clearly visible smoke detectors or carbon monoxide alarms — NSPIRE inspections commonly fail if detectors are missing or not on required levels. GFCI protection in kitchen/bath is not verifiable in photos. Handrail exists on the side porch steps but verification of deadbolt on entry door, electrical panel integrity, and bedroom-egress sizing cannot be confirmed from images. Given good overall condition but several unverified code items, moderate risk remains until detectors/GFCI/panel are confirmed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 78.0,
"rationale": "Listing claims new roof and updated wiring; HVAC listed as 2019. Photos show an AO Smith electric water heater with an expansion tank (good sign) and a drain pan; plumbing laundry hookups visible. Stove present (electric). No photos of HVAC unit or electrical panel to fully verify operation or compliance. Water heater drain pan appears corroded/dirty and T&P discharge routing not visible — needs confirmation. Based on listing statements and visible newer components, major systems appear recently serviced but remain partially unverified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior siding and porch look intact and painted. Yard is clear and free of debris, landscaping moderate. Concrete driveway and public sidewalk have visible cracking and uneven patches that are trip-hazard candidates. Vegetation near foundation moderate but not overtly invasive in photos. No signs of active roof leaks or major foundation displacement visible from exterior photos. Overall exterior is serviceable but needs minor site repairs/trim."
},
{
"key": "rental_history_activity",
"label": "Rental History 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 smoke detectors or carbon-monoxide alarms in supplied photos — NSPIRE failure risk if missing or improperly located.",
"GFCI protection in kitchen/bath not verifiable from photos — possible NSPIRE fail.",
"Electrical panel and circuit protection not shown or verified in photos — must be confirmed safe and labeled.",
"Water heater sits in a corroded/dirty drain pan and T&P discharge routing not visible — requires verification of safe relief valve discharge and no active leaks.",
"Concrete sidewalk/driveway has uneven/cracked areas that could be cited as trip hazards."
],
"confidence": 0.75,
"assumptions": [
"Listing statements are accurate: roof is recently replaced and wiring was updated; HVAC was installed or serviced in 2019; flooring and hot water heater are new or recently replaced.",
"Bedrooms have code-compliant egress windows (window size/operability not directly measured in photos).",
"Photos represent the current condition of the unit and there are no undisclosed interior areas with severe damage.",
"Smoke and CO detectors, GFCI outlets, and the electrical panel are not visible in supplied photos and therefore treated as unverified items (possible inspection fails if missing or noncompliant).",
"Mechanical systems (HVAC, water heater, electrical) are assumed operational based on listing claims and visible components, but require in-person functional verification.",
"Applied a small positive bonus to the overall score for documented recent rental history (treated as a maintenance/turnover reliability indicator)."
],
"overall_score": 82.0,
"rubric_version": "2026-01-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1785 Steiner Ave SW, Birmingham, AL, 35211",
"aggregate": {
"summary": "Overall this 3-bed single-family appears largely tenant-ready with recent interior renovations, updated kitchen, new-ish water heater and HVAC (2019) and a reportedly new roof and updated wiring. Most issues visible are minor cosmetics and site maintenance. Primary inspection risks are absence/visibility of required smoke/CO alarms, unclear GFCI protection, and a missing/unclear T&P discharge for the water heater — these should be corrected or verified before an initial HCV/NSPIRE inspection. With those fixes (and verification of electrical panel and HVAC operation) the property is likely to pass an initial inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 83.0,
"rationale": "Interior appears recently renovated: new-looking vinyl/wood-look floors, painted walls, updated kitchen cabinets, countertops and sink, stove present. Minor observable defects: scuffing and discoloration near laundry/water-heater area, missing/lifted threshold and a few trim/strike-plate areas, some dirt/staining at floor edges. Exterior paint and brick are in decent condition. Missing minor cosmetic touch-ups only; no major deferred maintenance visible."
},
{
"key": "exterior_site",
"label": "Exterior / Site",
"score": 78.7,
"rationale": "Front yard and lot are maintained; siding and painted brick porch look intact. Driveway and sidewalk show surface cracks and wear but no major settlement. Some vegetation is close to foundation and should be cleared to reduce moisture/infestation risk. Porch area and steps look structurally sound in photos; no missing guardrails observed. Overall minor site work recommended (trim vegetation, address sidewalk trip spots)."
},
{
"key": "rental_history_activity",
"label": "Rental history / recent 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",
"score": 70.7,
"rationale": "No obvious exposed wiring, no visible roof failures or sagging, entry steps have a handrail visible at one approach. However key NSPIRE items are not visible in photos: no smoke detectors or CO alarm visible (required), GFCI outlets not clearly shown in kitchen/bath, and the water heater's T&P discharge piping is not evident (photo shows heater but no dedicated downward-discharge to within 6\" of floor). Bedrooms appear to have adequate windows for egress in photos. Door hardware appears standard but deadbolt presence is not clearly visible. Overall minor-to-moderate code risks from detector and water-heater discharge issues that should be corrected before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 79.3,
"rationale": "Listing states updated wiring and new roof; HVAC listed as 2019 and a relatively new AO Smith electric water heater is photographed. Kitchen plumbing and stove are present. No visible signs of active leaks or water intrusion in photos. Electrical service/panel was not shown so panel condition is assumed acceptable per listing. Given the visible newer systems (HVAC, water heater, updated wiring claim), mechanical systems appear in good condition though final verification (panel, HVAC runtime, water-heater T&P operation) is recommended."
}
],
"red_flags": [
"No visible smoke detectors in interior photos (NSPIRE failure if absent or not in required locations).",
"No visible carbon monoxide detector (if required for the fuel type/policy in local jurisdiction).",
"Water heater T&P relief discharge piping not evident — code/safety issue (should discharge to within 6\" of floor or to approved receptor)."
],
"confidence": 0.88,
"assumptions": [
"Listing statements (new roof, updated wiring, HVAC 2019, new hot water heater) are accurate and reflect installed, operational equipment.",
"Bedrooms shown meet minimum egress dimensions though exact sill heights and operability were not measured from photos.",
"Smoke detectors and CO alarms are not visible in photos; assume they may be absent or not correctly placed so score deducts for that risk.",
"Electrical panel condition and location not pictured; assume accessible and intact given 'updated wiring' claim but this is unverified.",
"Water heater is electric (photos show AO Smith electric-type) and is functional; T&P discharge piping to floor is not visible and is assumed missing or not extended per code.",
"No active leaks, mold, or pest infestations were observed in photos; assume none present beyond minor staining and dirt seen near laundry area."
],
"score_method": "mean_of_criteria",
"overall_score": 78.3,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7187246601"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.