Property ID: 7189373909
2421 Galaxie Dr SW, Birmingham, AL, 35211
Birmingham, AL
Money Down: $29,976
CoC Return: 5.89%
Monthly Cash Flow: $147
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,980
Closing Costs
$4,996
Total Down
$29,976
Investment Snapshot
Purchase Price
$124,900
Money Down
$29,976
Cash-on-Cash Return
5.89%
Rent
$1,061
Monthly Cash Flow
$147
Annual Cash Flow
$1,765
Debt Service / Mo
$665
Property Tax / Mo
$87
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,061
Payment Standard
$1,584
Rent
$1,061
Insurance
$56
Property Tax
$87
Management
$106
Utilities Allowance
$523
NOI (Monthly)
$812
Debt Service
$665
Cash Flow After Debt
$147
Quality Score: 69.70%
Confidence: 95.00%
This 3-bed, 1-bath single-family appears recently renovated cosmetically and would likely pass a Section 8 initial inspection after a short list of verifications and small repairs. Main items to address before inspection: install/verify smoke detectors and carbon monoxide alarms (as required), confirm presence and operation of heating/cooling and hot water, install or document GFCI protection for kitchen/bath if required, and supply or confirm tenant appliances (stove/refrigerator) or list them as provided. No visible structural or life-safety catastrophic issues were noted in photos; expected turnaround to pass after 1–4 weeks of verification and minor fixes.
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
$124,900
Beds
3
Baths
1
Living Area
1,099 sqft
Lot Size
—
Year Built
1961
Days on Market
5
Capital Outlay
$29,976
Debt Service
$665
Property Tax / Mo
$87
Insurance / Mo
$56
Property Description
.
Utility Allowances
Heating
$93
Heating is listed as 'Central'. The source fuel is not specified. Electric heating was chosen as it is consistent with the electric water heater and cooling systems, and 'Ala Power' is the most common and most expensive provider listed, following the selection rules for ambiguity.
Cooling
$22
The property has 'Central Air' cooling which is specified as electric. 'Alabama Power' is selected as a major regional provider.
Cooking
$21
No cooking appliance is listed as provided. It is assumed the tenant will use an electric range, which is consistent with the other electric systems (cooling, water heating) in the home. 'Ala Power' is selected as the major regional provider.
Water Heating
$56
The property has an explicit 'Electric Water Heater'. 'Ala Power' is selected as a major regional provider.
Water
$78
The property has 'Public' water, and is located in Birmingham, matching the 'Water: Birmingham' schedule item.
Sewer
$151
The property is listed as having a 'Sewer Connected' utility, matching the schedule item.
Trash Collection
$20
Trash collection is a standard utility for single-family homes. The property is in Birmingham (Jefferson County), so the 'Jefferson City' rate is applied.
Other Electric
$68
This covers general electricity for lights and other non-HVAC/cooking/water-heating appliances. 'Ala Power' is selected for consistency with other electric utilities.
Refrigerator
$8
A refrigerator is not listed as an included appliance. This allowance is for a tenant-owned refrigerator.
Range/Microwave
$6
A microwave is not listed as an included appliance. This allowance is for a tenant-owned microwave.
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$535
DP3 Annual Estimate$807
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$67
Replacement Value$53,100
Basis1,099 sqft / 1961
Nearby Houses
Photo unavailable
2443 Golden Pines Ln SW
sold · 0.07 mi
Price: $67,500
4 bd / 3 ba · 1,710 sqft
Latest sale: $67,500 on Apr 30, 2019
Latest rent: —
Photo unavailable
2415 Golden Pines Ln SW
sold · 0.08 mi
Price: $145,000
4 bd / 1 ba · 2,575 sqft
Latest sale: $145,000 on Sep 26, 2024
Latest rent: —
Photo unavailable
2408 Tempest Dr SW
sold · 0.09 mi
Price: $11,000
2 bd / 1 ba
Latest sale: $11,000 on Oct 14, 2016
Latest rent: —
Photo unavailable
2413 Tempest Dr SW
sold · 0.09 mi
Price: $115,000
3 bd / 1 ba · 1,619 sqft
Latest sale: $115,000 on Aug 22, 2024
Latest rent: —
Photo unavailable
2407 Golden Pines Ln SW
sold · 0.10 mi
Price: $75,000
3 bd / 1 ba · 1,184 sqft
Latest sale: $75,000 on May 10, 2021
Latest rent: —
Photo unavailable
2424 Ishkooda Rd SW
for_sale · 0.11 mi
Price: $105,000
4 bd / 2 ba · 1,650 sqft
Latest sale: $28,000 on Apr 17, 2023
Latest rent: —
Photo unavailable
2432 Ishkooda Rd SW
sold · 0.11 mi
Price: $45,000
2 bd / 1 ba · 875 sqft
Latest sale: $45,000
Latest rent: $1,150 on Jun 24, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos represent current condition and show most main living areas and exterior front; bathroom, HVAC equipment, water heater, electrical panel and rear exterior areas were not photographed.
- Kitchen appliance floor space and hookup seen indicates a stove will fit; however stove and refrigerator are not present in photos.
- Ceiling fans are functional and wired properly (wired to wall switch or pull chain as typical).
- No visible stains or mold in photos implies no active interior water intrusion, but unseen areas (attic, crawlspace, rear yard) could differ.
- Windows in bedrooms provide adequate egress unless local code/inspector determines otherwise; some windows appear to be jalousie-style or sliding which may reduce net egress opening.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,015 | $70,000 | $14,000 |
| 2023 | $1,015 | $70,000 | $14,000 |
| 2022 | $800 | $55,200 | $11,040 |
| 2021 | $800 | $55,200 | $11,040 |
| 2020 | $800 | $55,200 | $11,040 |
| 2019 | $800 | $55,200 | $11,040 |
| 2017 | $720 | $49,700 | $9,940 |
| 2015 | $720 | $49,700 | $9,940 |
| 2013 | $697 | $49,100 | $9,820 |
| 2011 | $739 | $52,100 | $10,420 |
| 2007 | $743 | $52,400 | $10,480 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-08 | Sold | $41,000 |
| 2006-08-07 | Sold | $30,000 |
Photo Gallery
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"runs": [
{
"summary": "This 3-bed, 1-bath single-family appears recently renovated cosmetically and would likely pass a Section 8 initial inspection after a short list of verifications and small repairs. Main items to address before inspection: install/verify smoke detectors and carbon monoxide alarms (as required), confirm presence and operation of heating/cooling and hot water, install or document GFCI protection for kitchen/bath if required, and supply or confirm tenant appliances (stove/refrigerator) or list them as provided. No visible structural or life-safety catastrophic issues were noted in photos; expected turnaround to pass after 1–4 weeks of verification and minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic rehab: new-looking vinyl plank flooring, fresh paint, new/painted cabinets and countertops, intact trim and ceiling. Kitchen has a working sink and range hood; cabinetry appears functional. Missing major visible cosmetic defects. Appliances (stove/refrigerator) are not shown — absence reduces score moderately but is an easy-to-fix, capital item. Minor finish touch-ups visible around switch plates and window trim. Overall only minor repairs / finishes needed."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the provided photos — missing/uncertain detectors are a common Section 8/NSPIRE fail and lower this score. Entry door appears to have a knob; a deadbolt is not visible (may be present). No obvious exposed wiring, intact outlet/switch covers visible. Kitchen sink and faucet appear functional; no visible mold, active leaks, or sagging ceilings. Bedroom windows appear to provide egress, but some windows (jalousie/older style) could be marginal for egress — not confirmed. GFCI at the kitchen sink is not visible; could be on a breaker. Because detectors and some safety items are not shown, reserve moderate risk until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Roof shingles appear recently replaced or in good condition from exterior photo. No visible HVAC equipment, vents, or thermostat photos provided — inability to confirm an operational heating/cooling system and absence of visible registers reduces score. Electrical panel not shown. Plumbing appears functional at the kitchen sink (photos show water droplets), but hot water heater location/condition is unknown. No visible signs of active water intrusion or structural distress. Recommend verification of central heat/AC and water heater operation prior to move-in."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior shows painted siding in good condition, a covered carport, and a recently shingled roof. Walkway to front door exists; yard is generally level though a little overgrown in spots. No visible major foundation cracks, standing water, or collapsed structures. Fencing and rear yard appear present but condition of fence/gates not fully shown. Overall tidy and no major exterior safety hazards observed."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Photos represent current condition and show most main living areas and exterior front; bathroom, HVAC equipment, water heater, electrical panel and rear exterior areas were not photographed.",
"Kitchen appliance floor space and hookup seen indicates a stove will fit; however stove and refrigerator are not present in photos.",
"Ceiling fans are functional and wired properly (wired to wall switch or pull chain as typical).",
"No visible stains or mold in photos implies no active interior water intrusion, but unseen areas (attic, crawlspace, rear yard) could differ.",
"Windows in bedrooms provide adequate egress unless local code/inspector determines otherwise; some windows appear to be jalousie-style or sliding which may reduce net egress opening."
],
"overall_score": 69.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 3-bed, 1-bath 1961 single-family appears cosmetically renovated and largely rent-ready with minor capital work. Primary inspection risks are missing/uncertain life-safety items (smoke/CO detectors, GFCI) and lack of visible confirmation of heating/HVAC and hot water. Missing stove and refrigerator are a moderate, straightforward capital expense. If the owner/developer installs required detectors, confirms/repairs HVAC and water heating, and provides or allows tenant-supplied appliances, the unit is likely to pass an initial Housing Choice Voucher (Section 8/NSPIRE) inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Photos show recent cosmetic work: new-looking vinyl plank flooring, fresh paint, refurbished cabinets/countertops and functioning fixtures (sink, faucets, ceiling fans). No visible drywall or floor damage. Missing major appliances (no stove or refrigerator visible) — this reduces turnkey readiness moderately but is an easy capital fix. Minor unfinished items (plastic over windows, paint touch-ups) are visible but cosmetic."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the provided photos and should be installed to meet NSPIRE/HUD requirements. Bedrooms have windows that appear to be operable (including jalousie-style), but egress compliance cannot be confirmed from photos — jalousie windows sometimes fail egress size/operation tests. Door hardware visible is a standard knob; deadbolt presence is not confirmed. No exposed wiring or obvious electrical hazards seen; switch/plate work appears intact. GFCI presence in kitchen/bath not confirmed from images. Plumbing fixtures (kitchen sink) appear functional but hot water presence not verified. These unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Roof shingles (front view) appear recently redone and in good visual condition. Plumbing fixtures in kitchen appear intact with no visible leaks. Electrical appears functional (fans and switches installed) but the main panel and circuit labeling are not shown. No HVAC/heating equipment or water heater is visible in any image; absence of visible heating system is an inspection-level concern until verified operational. Because major systems (HVAC, water heater, electrical panel) cannot be confirmed from photos, score is reduced to reflect system uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior facade and siding are painted and in good condition. Roof line looks even with no visible sagging. Driveway/carport present and usable. Walkway to entry is intact but small; yard shows routine maintenance needs (minor landscaping). No visible standing water, significant foundation cracks, or exterior structural damage in provided photos. Fence and backyard not fully shown; limited evidence of infestation or severe neglect."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detector in photos (NSPIRE safety requirement).",
"No visible heating/HVAC equipment shown in photos (absence of visible heating system is a major inspection risk until confirmed operational)."
],
"confidence": 0.65,
"assumptions": [
"Photos represent the full interior and exterior conditions relevant to NSPIRE inspection items; no additional photos provided (bathroom, electrical panel, water heater, HVAC system not shown).",
"No stove or refrigerator are present in photos; assume appliances are not currently included and would need to be provided or tenant-supplied.",
"A functioning water heater and electrical service exist but were not photographed; their operational status is unknown and must be verified before inspection.",
"Bedrooms have at least one window each; sizes/operation meet egress only if verified on-site. Jalousie-style windows may not meet egress - verification required.",
"Door hardware (deadbolt) and smoke/CO detectors are not visible and likely not installed or not shown; assume detectors need installation unless owner confirms.",
"No evidence of active roof leaks, structural sagging, major mold, or pest infestation in provided photos; assume none present unless on-site inspection finds otherwise."
],
"overall_score": 70.0,
"rubric_version": "1.0"
},
{
"summary": "Property appears recently rehabbed cosmetically and is close to rent-ready: new floors, fresh paint, updated kitchen cabinets/counters, intact exterior and new-looking roof. The primary inspection risks are missing/uncertain safety items (no visible smoke/CO alarms, GFCI not evident) and lack of visible HVAC/water heater/electrical panel documentation. Missing tenant appliances (range/fridge) will need to be provided; these are moderate capital items. With installation of required alarms, verification of HVAC and panel, addition of GFCI protection or certification, and placement of a stove/fridge, the unit 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 a mostly completed cosmetic rehab: new-looking vinyl plank flooring, fresh paint, painted cabinets and countertops in good condition, intact trim and ceiling finishes, working sinks and installed range hood. Missing major tenant appliances (no stove or refrigerator visible) and a few finish touch-ups (window trim/protection still in place) reduce the score moderately but these are repair/capital items rather than structural failures."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in the pictures (required). No obvious exposed wiring or active water intrusion. Bedroom windows are present for egress but size/operability not fully confirmed. Front entry deadbolt is not visible. GFCI protection at kitchen counters is not evident. Because required alarms and GFCI locations cannot be confirmed from photos, there is a moderate inspection risk that would likely require quick corrections prior to/pass inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 60.0,
"rationale": "Roof appears recently shingled from exterior photo. Kitchen plumbing appears functional (water in sink). No HVAC equipment (furnace/air handler or exterior condenser) or water heater/electrical panel is shown in photos; absence of visible heating/cooling equipment reduces confidence. No obvious plumbing leaks or structural ceiling/floor issues visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior siding, roofline and carport appear in good condition; concrete walk/driveway intact. Yard is tidy with no standing water or visible foundation distress. Some minor landscaping and cleanup remain but no safety hazards are apparent from exterior photos."
}
],
"red_flags": [
"No visible smoke detectors in living areas/bedrooms (required) - immediate safety/certification issue.",
"No visible heating/AC equipment or water heater in photos (absence of visible heating system is a major inspection risk).",
"No visible GFCI-protected kitchen outlets (required or must be demonstrably protected at panel).",
"No visible deadbolt on front entry (security requirement may fail depending on local HCV standards)."
],
"confidence": 0.65,
"assumptions": [
"Photos are representative of the full interior and exterior condition (no major areas not shown).",
"Kitchen sink plumbing is operational (water droplets visible), and there is domestic hot water available though heater is not pictured.",
"No HVAC unit, water heater or electrical panel was visible in the provided images; they may exist off-camera but are unconfirmed.",
"Smoke detectors and carbon monoxide alarms are not installed or not shown in photos; at least some required alarms will need verification/installation.",
"No stove or refrigerator were shown in photos; assume appliances are not included and will need to be provided before tenancy.",
"Window coverings (plastic) are temporary from painting/rehab and not permanent hazards.",
"No signs of significant structural movement, roof leaks, mold, or active water intrusion were observed in available photos."
],
"overall_score": 70.0,
"rubric_version": "2026-02-16_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2421 Galaxie Dr SW, Birmingham, AL, 35211",
"aggregate": {
"summary": "This 3-bed, 1-bath single-family appears recently renovated cosmetically and would likely pass a Section 8 initial inspection after a short list of verifications and small repairs. Main items to address before inspection: install/verify smoke detectors and carbon monoxide alarms (as required), confirm presence and operation of heating/cooling and hot water, install or document GFCI protection for kitchen/bath if required, and supply or confirm tenant appliances (stove/refrigerator) or list them as provided. No visible structural or life-safety catastrophic issues were noted in photos; expected turnaround to pass after 1–4 weeks of verification and minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic rehab: new-looking vinyl plank flooring, fresh paint, new/painted cabinets and countertops, intact trim and ceiling. Kitchen has a working sink and range hood; cabinetry appears functional. Missing major visible cosmetic defects. Appliances (stove/refrigerator) are not shown — absence reduces score moderately but is an easy-to-fix, capital item. Minor finish touch-ups visible around switch plates and window trim. Overall only minor repairs / finishes needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.3,
"rationale": "Exterior shows painted siding in good condition, a covered carport, and a recently shingled roof. Walkway to front door exists; yard is generally level though a little overgrown in spots. No visible major foundation cracks, standing water, or collapsed structures. Fencing and rear yard appear present but condition of fence/gates not fully shown. Overall tidy and no major exterior safety hazards observed."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the provided photos — missing/uncertain detectors are a common Section 8/NSPIRE fail and lower this score. Entry door appears to have a knob; a deadbolt is not visible (may be present). No obvious exposed wiring, intact outlet/switch covers visible. Kitchen sink and faucet appear functional; no visible mold, active leaks, or sagging ceilings. Bedroom windows appear to provide egress, but some windows (jalousie/older style) could be marginal for egress — not confirmed. GFCI at the kitchen sink is not visible; could be on a breaker. Because detectors and some safety items are not shown, reserve moderate risk until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Roof shingles appear recently replaced or in good condition from exterior photo. No visible HVAC equipment, vents, or thermostat photos provided — inability to confirm an operational heating/cooling system and absence of visible registers reduces score. Electrical panel not shown. Plumbing appears functional at the kitchen sink (photos show water droplets), but hot water heater location/condition is unknown. No visible signs of active water intrusion or structural distress. Recommend verification of central heat/AC and water heater operation prior to move-in."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Photos represent current condition and show most main living areas and exterior front; bathroom, HVAC equipment, water heater, electrical panel and rear exterior areas were not photographed.",
"Kitchen appliance floor space and hookup seen indicates a stove will fit; however stove and refrigerator are not present in photos.",
"Ceiling fans are functional and wired properly (wired to wall switch or pull chain as typical).",
"No visible stains or mold in photos implies no active interior water intrusion, but unseen areas (attic, crawlspace, rear yard) could differ.",
"Windows in bedrooms provide adequate egress unless local code/inspector determines otherwise; some windows appear to be jalousie-style or sliding which may reduce net egress opening."
],
"score_method": "mean_of_criteria",
"overall_score": 69.7,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7189373909"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.