Property ID: 7205228381
1457 Pratt Hwy, Birmingham, AL, 35214
Birmingham, AL
Money Down: $25,680
CoC Return: 12.76%
Monthly Cash Flow: $273
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,400
Closing Costs
$4,280
Total Down
$25,680
Investment Snapshot
Purchase Price
$107,000
Money Down
$25,680
Cash-on-Cash Return
12.76%
Rent
$1,126
Monthly Cash Flow
$273
Annual Cash Flow
$3,276
Debt Service / Mo
$569
Property Tax / Mo
$94
Insurance / Mo
$77
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,126
Payment Standard
$1,518
Rent
$1,126
Insurance
$77
Property Tax
$94
Management
$113
Utilities Allowance
$392
NOI (Monthly)
$842
Debt Service
$569
Cash Flow After Debt
$273
Quality Score: 67.70%
Confidence: 89.00%
Overall the home presents as cosmetically updated and likely in generally good condition for tenancy, with a high likelihood of passing a Section 8 initial inspection after a short verification and completion of a few items. Primary risks: no smoke/CO detectors visible in photos, missing visible kitchen appliances, and absence of photographed HVAC/water heater/electrical panel documentation. These are addressable within 1–4 weeks if equipment is present and functional; if detection of missing systems is confirmed, repairs may extend time to rent.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$392
Guaranteed Section 8 Rent (PS - Utilities)
$1,126
Property Management
$113
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$107,000
Beds
3
Baths
2
Living Area
1,480 sqft
Lot Size
13,068 sqft
Year Built
1950
Days on Market
102
Capital Outlay
$25,680
Debt Service
$569
Property Tax / Mo
$94
Insurance / Mo
$77
Property Description
Don't walk RUN! to 1457 Pratt Highway, a well maintained, spacious 3 bed/ 2 bath home. Perfect for any first time home buyer. Located on a pretty secluded lot with fenced in back yard. Don't miss out on this fantastic opportunity to live in a comfortable and stylish home!
Utility Allowances
Heating
$93
Property has central heating; fuel is inferred as electric based on the electric water heater. 'Ala Power' is selected as the most expensive electric option on the schedule.
Cooling
$22
Property has central air conditioning, which is electric. 'A/C: Alabama Power' is selected as it is the most expensive provider option.
Water Heating
$56
Property details specify an 'Electric Water Heater'. 'Elec: Ala Power' is chosen as the most expensive electric provider option.
Cooking
$21
No cooking appliance is listed as provided. The energy for a tenant-provided electric range is assumed, with 'Elec: Ala Power' selected as the most expensive provider.
Other Electric
$68
Standard allowance for lights, outlets, etc. 'Lights, Ref, Etc.: Ala Power' is selected as the most expensive provider option.
Water
$78
Property has 'Public Water'. The provider is assumed to be 'Water: Birmingham' based on the property's address.
Sewer
$0
Property details explicitly state it uses a 'Septic Tank', so no public sewer allowance is provided.
Trash Collection
$40
No trash provider is specified. The most expensive option on the schedule ('Fairfield Inside City Limits (ISCL)') is used as per instructions for unclear cases.
Refrigerator (tenant-owned)
$8
A refrigerator is not listed as a provided appliance and is assumed to be tenant-owned.
Range/Microwave (tenant-owned)
$6
A range or microwave is not listed as a provided appliance and is assumed to be tenant-owned.
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$775
DP3 Annual Estimate$1,074
DP1 Monthly Equivalent$65
DP3 Monthly Equivalent$90
Replacement Value$105,900
Basis1,480 sqft / 1950
Nearby Houses
Photo unavailable
1424 Pratt Hwy
sold · 0.09 mi
Price: $350,000
4 bd / 3 ba · 3,618 sqft
Latest sale: $350,000 on Jul 19, 2024
Latest rent: —
Photo unavailable
900 Hide Away Dr
for_sale · 0.10 mi
Price: $125,000
4 bd / 2 ba · 1,440 sqft
Latest sale: $42,000 on Mar 12, 2021
Latest rent: $1,120 on Jul 09, 2024
Photo unavailable
1027 Hallmark Rd
sold · 0.11 mi
Price: $141,000
3 bd / 2 ba · 1,358 sqft
Latest sale: $141,000 on Apr 13, 2017
Latest rent: —
Photo unavailable
813 Oak Ridge Dr
sold · 0.14 mi
Price: $92,000
3 bd / 3 ba · 2,017 sqft
Latest sale: $92,000 on Jun 28, 2018
Latest rent: —
Photo unavailable
1415 Pratt Hwy
for_sale · 0.14 mi
Price: $179,000
3 bd / 2 ba · 1,552 sqft
Latest sale: $70,000 on Feb 27, 2024
Latest rent: —
Photo unavailable
739 Kenwood Dr
sold · 0.15 mi
Price: $218,000
3 bd / 2 ba · 3,654 sqft
Latest sale: $218,000 on Nov 19, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No smoke detectors or carbon monoxide alarms visible in any provided photos (NSPIRE-required).
- No kitchen appliances (stove/oven and refrigerator) visible in photos — reduces readiness and may require installation.
- No visible HVAC equipment, thermostat, water heater, or electrical panel in photos — major systems need verification.
Assumptions
- Interior photos are representative of the whole unit; no major concealed water damage or structural failure exists outside the frame of photos.
- Kitchen appliances (stove/refrigerator) are not shown but may be present elsewhere; their absence in photos was treated as 'missing or not shown'.
- A central HVAC system is likely present (hall vent/return visible) though no exterior condenser or thermostat was photographed; assume operational until verified.
- Electrical panel, water heater and GFCI protection exist but were not photographed; assume typical mid-century upgrades may have been performed during remodel.
- Exterior envelope (roof, foundation, siding) and site conditions are unknown — treated as moderate risk due to lack of images but no interior evidence of active leaks or severe issues.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,094 | $114,200 | $22,840 |
| 2023 | $1,094 | $109,200 | $21,840 |
| 2022 | $1,112 | $111,000 | $22,200 |
| 2021 | $812 | $81,100 | $16,220 |
| 2020 | $812 | $81,100 | $16,220 |
| 2019 | $806 | $80,500 | $16,100 |
| 2018 | $679 | $67,800 | $13,560 |
| 2017 | $679 | $67,800 | $13,560 |
| 2016 | $286 | $67,800 | $6,780 |
| 2015 | $286 | $67,800 | $6,780 |
| 2013 | $242 | $57,900 | $5,800 |
| 2012 | $286 | $66,730 | $6,673 |
| 2011 | $291 | $67,800 | $6,780 |
| 2010 | $291 | $67,800 | $6,780 |
| 2009 | $291 | $67,800 | $6,780 |
| 2008 | $300 | $69,500 | $6,950 |
| 2007 | $296 | $68,800 | $6,880 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-09-20 | Sold | $92,500 |
| 2019-02-11 | Sold | $65,000 |
Photo Gallery
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}
},
{
"tax": 286,
"year": 2012,
"market": {
"land": 8330,
"total": 66730,
"building": 58400
},
"assessment": {
"land": 833,
"total": 6673,
"building": 5840
}
},
{
"tax": 291,
"year": 2011,
"market": {
"land": 8300,
"total": 67800,
"building": 59500
},
"assessment": {
"land": 830,
"total": 6780,
"building": 5950
}
},
{
"tax": 291,
"year": 2010,
"market": {
"land": 8300,
"total": 67800,
"building": 59500
},
"assessment": {
"land": 830,
"total": 6780,
"building": 5950
}
},
{
"tax": 291,
"year": 2009,
"market": {
"land": 8300,
"total": 67800,
"building": 59500
},
"assessment": {
"land": 830,
"total": 6780,
"building": 5950
}
},
{
"tax": 300,
"year": 2008,
"market": {
"land": 8300,
"total": 69500,
"building": 61200
},
"assessment": {
"land": 830,
"total": 6950,
"building": 6120
}
},
{
"tax": 296,
"year": 2007,
"market": {
"land": 8300,
"total": 68800,
"building": 60500
},
"assessment": {
"land": 830,
"total": 6880,
"building": 6050
}
}
],
"property_history": [
{
"date": "2026-02-11",
"price": 107000,
"listing": {
"status": "for_sale",
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"list_price": 107000,
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{
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{
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{
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{
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{
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},
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{
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{
"date": "2025-05-21",
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"event_name": "Price Changed",
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{
"date": "2025-03-07",
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{
"date": "2025-02-06",
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"last_update_date": "2025-10-20T17:59:07Z",
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{
"date": "2025-01-21",
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"last_update_date": "2025-10-20T17:59:07Z",
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},
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{
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},
"event_name": "Listing removed",
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"days_after_listed": "140 days",
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{
"date": "2024-10-17",
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{
"date": "2024-08-28",
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},
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},
{
"date": "2024-07-26",
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"listing": {
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"list_price": 139000,
"listing_id": "2970088865",
"last_update_date": "2024-10-17T17:50:38Z",
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},
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"price_change_percentage": "+62.16%"
},
{
"date": "2019-09-20",
"price": 92500,
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"status": "sold",
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"list_price": 95500,
"listing_id": "2786757553",
"last_update_date": "2019-11-08T14:40:58Z",
"last_status_change_date": "2020-02-18T03:20:56Z"
},
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},
{
"date": "2019-02-11",
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{
"date": "1983-06-18",
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{
"date": "1978-12-01",
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],
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{
"project_name": null,
"permit_status": "Issued",
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"permit_effective_date": "May 15, 2019",
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}
]
}
},
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},
"property_id": "7205228381",
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"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
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"eligible": true,
"min_score": 60.0,
"overall_score": 67.7
},
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"zip_code": "35214",
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"rent_price": 1126.0,
"loan_amount": 85600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1457-Pratt-Hwy_Birmingham_AL_35214_M72052-28381",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 107000.0,
"loan_term_years": 30,
"annual_cash_flow": 10109.48,
"mortgage_monthly": 569.5,
"payment_standard": 1518.0,
"total_amount_out": 21400.0,
"additional_photos": [
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"https://ap.rdcpix.com/79f1f344b6ddf3e032036ffc56dcc959l-m275960499s-w1280.jpg",
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"https://ap.rdcpix.com/79f1f344b6ddf3e032036ffc56dcc959l-m3528947191s-w1280.jpg",
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],
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"insurance_monthly": 77.04,
"monthly_cash_flow": 842.46,
"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 heating; fuel is inferred as electric based on the electric water heater. 'Ala Power' is selected as the most expensive electric option on the schedule.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has central air conditioning, which is electric. 'A/C: Alabama Power' is selected as it is the most expensive provider option.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property details specify an 'Electric Water Heater'. 'Elec: Ala Power' is chosen as the most expensive electric provider option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "No cooking appliance is listed as provided. The energy for a tenant-provided electric range is assumed, with 'Elec: Ala Power' selected as the most expensive provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Standard allowance for lights, outlets, etc. 'Lights, Ref, Etc.: Ala Power' is selected as the most expensive provider option.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has 'Public Water'. The provider is assumed to be 'Water: Birmingham' based on the property's address.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details explicitly state it uses a 'Septic Tank', so no public sewer allowance is provided.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "No trash provider is specified. The most expensive option on the schedule ('Fairfield Inside City Limits (ISCL)') is used as per instructions for unclear cases.",
"utility": "Trash Collection",
"allowance": 40
},
{
"note": "A refrigerator is not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "Refrigerator (tenant-owned)",
"allowance": 8
},
{
"note": "A range or microwave is not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "Range/Microwave (tenant-owned)",
"allowance": 6
}
],
"cash_on_cash_return": 0.47,
"down_payment_amount": 21400.0,
"property_tax_annual": 1126.82,
"property_tax_monthly": 93.9,
"property_tax_increase": 0.03,
"utility_allowance_total": 392.0,
"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": 3275.49,
"property_management_monthly": 112.6,
"monthly_cash_flow_after_debt": 272.96,
"cash_on_cash_return_after_debt": 0.15
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the home presents as cosmetically updated and likely in generally good condition for tenancy, with a high likelihood of passing a Section 8 initial inspection after a short verification and completion of a few items. Primary risks: no smoke/CO detectors visible in photos, missing visible kitchen appliances, and absence of photographed HVAC/water heater/electrical panel documentation. These are addressable within 1–4 weeks if equipment is present and functional; if detection of missing systems is confirmed, repairs may extend time to rent.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 78.0,
"rationale": "Interior photos show fresh paint, intact drywall, new-looking vinyl/laminate flooring and updated ceiling lights; overall cosmetically clean and staged. Kitchen cabinets appear older but painted; tile in dining area shows surface wear/grime in photos. No visible water stains or ceiling damage. No stove or refrigerator are visible in the photos — missing appliances reduce readiness moderately but are not a safety failure."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "No visible smoke or CO detectors in the published ceilings/rooms (required by NSPIRE). Entry door shows a keyed lock and what appears to be a deadbolt. Windows in bedrooms appear large enough for egress. No exposed wiring, no visible loose handrails or collapsed ceilings. GFCI protection in kitchen/bath not visible. No visible mold or active leaks. Absence of visible detectors and unknown GFCI locations create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 65.0,
"rationale": "Photos show modern LED ceiling fixtures and ceiling fans which suggests updated interior electrical work, and a floor/return vent is visible in a hallway (suggests central HVAC), but no HVAC unit, thermostat, water heater, or electrical panel are photographed. Kitchen sink and counters appear intact. Because major systems are not documented in photos, assign a cautious score — likely functional but require verification (service records or visible equipment)."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 70.0,
"rationale": "No exterior photos provided to evaluate siding, roof, foundation or walkways. Listing states a fenced backyard and interior window views show a wooded/secluded lot. No evidence of standing water, flooding or exterior neglect visible from interior shots. Score reflects uncertainty due to lack of exterior images."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in any provided photos (NSPIRE-required).",
"No kitchen appliances (stove/oven and refrigerator) visible in photos — reduces readiness and may require installation.",
"No visible HVAC equipment, thermostat, water heater, or electrical panel in photos — major systems need verification."
],
"confidence": 0.7,
"assumptions": [
"Interior photos are representative of the whole unit; no major concealed water damage or structural failure exists outside the frame of photos.",
"Kitchen appliances (stove/refrigerator) are not shown but may be present elsewhere; their absence in photos was treated as 'missing or not shown'.",
"A central HVAC system is likely present (hall vent/return visible) though no exterior condenser or thermostat was photographed; assume operational until verified.",
"Electrical panel, water heater and GFCI protection exist but were not photographed; assume typical mid-century upgrades may have been performed during remodel.",
"Exterior envelope (roof, foundation, siding) and site conditions are unknown — treated as moderate risk due to lack of images but no interior evidence of active leaks or severe issues."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on interior photos and the listing, the house appears cosmetically updated and largely rent‑ready with minor repairs likely required. Principal inspection risks are missing/undocumented safety devices (smoke/CO detectors, GFCI outlets), lack of visible kitchen appliances, and unknown status/age of major mechanical systems (HVAC, water heater, electrical panel). These are typically fixable within 1–4 weeks but will require verification. Likely NSPIRE pass with minor corrective work; estimated time to pass: 1–4 weeks depending on appliance and detector installation and mechanical verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show a recently refreshed, well‑maintained interior: clean painted walls, intact ceilings, new-looking flooring, and no visible water stains or damaged drywall. Cosmetic finishes appear complete. Appliances are not visible in kitchen photos (no stove or refrigerator shown) which reduces turnkey readiness moderately but is not a structural failure. Minor grout/finish wear visible on tile near dining area but easy cosmetic fixes."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no exposed wiring, no visible severe mold). Entry door appears to have a keyed lock and likely a deadbolt. Bedroom windows appear to be standard sliding/egress size but measurements are not available. Smoke and carbon monoxide detectors are not visible in photos (absence is an NSPIRE fail if missing or improperly located) and GFCI protection at the kitchen sink is not shown. These unknowns create moderate inspection risk that will need verification or quick fixes."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "No mechanical equipment (HVAC unit, water heater, electrical panel) is visible in the provided photos. Ceiling fans are present in bedrooms and vents/return grille appear to exist in the hallway area, suggesting central HVAC may be present, but operability and age are unknown. No visible active leaks, but without seeing the water heater, furnace/air handler, or electrical panel, there is moderate risk and a need for verification and potential service."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 70.0,
"rationale": "No exterior photos provided; listing notes a fenced backyard and interior window views show natural, tree-lined lot. Because exterior condition, roof, foundation exposure, driveway and walkways are not visible, score is moderate but leaned positive based on listing language and lack of interior evidence of exterior water intrusion or foundation distress."
}
],
"red_flags": [
"Smoke and carbon monoxide detectors not visible in photos — potential NSPIRE fail if missing or improperly located.",
"No visible GFCI outlet at kitchen sink area in photos — potential electrical safety issue.",
"No visible stove or refrigerator in kitchen photos — appliances may be missing and reduce immediate move‑in readiness.",
"Major mechanical equipment (HVAC unit, water heater, electrical panel) not shown — operability and condition unverified."
],
"confidence": 0.65,
"assumptions": [
"No exterior photos were provided; assume the roof, foundation and exterior are not showing active leaks or collapse since no interior water stains or ceiling sagging are visible.",
"Bedroom windows are assumed to meet egress dimensions (appear standard-sized) but were not measured and must be verified on inspection.",
"Entry door appears to have a deadbolt above the knob in the photo; assume it is functional and properly locks.",
"Central HVAC likely exists (presence of return grille and ceiling fans) but operability, age and heating capability were not documented and must be confirmed.",
"Kitchen cabinets and sink are present; stove and refrigerator are not shown in photos and may be missing or removed for staging.",
"Smoke and CO detectors may be present in other rooms not photographed; their absence in photos is treated as an inspection risk until confirmed.",
"No visible peeling paint, mold, or structural cracks were observed; assume lead‑based paint risk is reduced by recent repainting but older 1950 construction warrants disclosure/lead precautions per local requirements."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Interior appears freshly updated and mostly rent-ready cosmetically, but several NSPIRE-critical items cannot be verified in photos: smoke/CO detectors, GFCI protection in kitchen, presence/operation of heating and cooling, and major appliances (stove/fridge). If detectors are installed/verified, appliances provided, and systems verified operational, property should be able to pass an initial HCV inspection after minor fixes (likely <30 days). Obtain verification of HVAC, hot water, electrical panel condition, and install/confirm required alarms and GFCIs before scheduling inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Interior photos show a recently refreshed finish: painted walls, new-looking LED ceiling fixtures, intact flooring and trim. No visible major drywall, ceiling or flooring damage. Kitchen cabinets are older/painted and tile grout is dirty in places. No stove or refrigerator are visible in the photos — missing appliances reduce readiness but are an easy-to-fix capital item. Overall mostly cosmetic and minor repair items only."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 58.0,
"rationale": "No smoke detectors or CO alarms are visible in the supplied interior photos (required on each level and outside sleeping areas). Entry door appears functional and has a keyed lock; a deadbolt presence is uncertain. Windows appear to provide egress in bedrooms. No exposed wiring or obvious electrical hazards visible. GFCI outlets at counters are not visible in photos. No visible active water intrusion, stains, or mold. Because required alarms and some electrical safety features cannot be confirmed from photos, there is moderate risk of initial inspection failures without verification/installations."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 55.0,
"rationale": "Major systems (heating, cooling, water heater, electrical panel) are not shown in photos. Interior finish suggests a recent update but absence of any visible HVAC registers, thermostat, furnace/air handler, or hot water equipment creates uncertainty. Plumbing fixtures (kitchen sink) are present but functionality and hot water are unverified. Because the presence and operational condition of critical systems cannot be confirmed, the property carries moderate systems risk until verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "No exterior photos provided. Listing states a fenced backyard and 'well maintained' lot. Interior condition and window views show a wooded, settled lot. With no images of roof, siding, foundation, gutters, walkways, or grading, assume typical maintained condition based on listing and interior rehab — but this is an assumption that reduces certainty. No visible site hazards are apparent from interior views."
}
],
"red_flags": [
"No visible heating system (no furnace/air handler/air registers/thermostat seen) — major systems unverified.",
"No visible smoke detectors or CO alarms in photos (NSPIRE requirement) — likely fail if not present.",
"No kitchen range/stove or refrigerator visible in photos (appliances missing reduce readiness).",
"GFCI outlets at kitchen counters not visible — needs verification/installation."
],
"confidence": 0.55,
"assumptions": [
"No exterior photos provided — exterior (roof, siding, foundation, gutters, walkways) assumed to be typical/maintained based on listing text and interior condition.",
"Heating and cooling equipment (central HVAC or other) is not visible in photos; assumed present but unverified. Lack of visible HVAC was treated as a systems risk.",
"Smoke and CO detectors are not visible in any supplied photos — assume they are not present or not visible and must be verified/installed.",
"No stove or refrigerator are visible in photos; assume appliances may be absent and will need to be supplied.",
"Plumbing fixtures (kitchen sink) are present; assume plumbing and hot water function but require verification on inspection.",
"Electrical panel location and condition are not shown and must be verified; no exposed wiring visible inside."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1457 Pratt Hwy, Birmingham, AL, 35214",
"aggregate": {
"summary": "Overall the home presents as cosmetically updated and likely in generally good condition for tenancy, with a high likelihood of passing a Section 8 initial inspection after a short verification and completion of a few items. Primary risks: no smoke/CO detectors visible in photos, missing visible kitchen appliances, and absence of photographed HVAC/water heater/electrical panel documentation. These are addressable within 1–4 weeks if equipment is present and functional; if detection of missing systems is confirmed, repairs may extend time to rent.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 77.3,
"rationale": "Interior photos show fresh paint, intact drywall, new-looking vinyl/laminate flooring and updated ceiling lights; overall cosmetically clean and staged. Kitchen cabinets appear older but painted; tile in dining area shows surface wear/grime in photos. No visible water stains or ceiling damage. No stove or refrigerator are visible in the photos — missing appliances reduce readiness moderately but are not a safety failure."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 70.0,
"rationale": "No exterior photos provided to evaluate siding, roof, foundation or walkways. Listing states a fenced backyard and interior window views show a wooded/secluded lot. No evidence of standing water, flooding or exterior neglect visible from interior shots. Score reflects uncertainty due to lack of exterior images."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 61.0,
"rationale": "No visible smoke or CO detectors in the published ceilings/rooms (required by NSPIRE). Entry door shows a keyed lock and what appears to be a deadbolt. Windows in bedrooms appear large enough for egress. No exposed wiring, no visible loose handrails or collapsed ceilings. GFCI protection in kitchen/bath not visible. No visible mold or active leaks. Absence of visible detectors and unknown GFCI locations create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 60.0,
"rationale": "Photos show modern LED ceiling fixtures and ceiling fans which suggests updated interior electrical work, and a floor/return vent is visible in a hallway (suggests central HVAC), but no HVAC unit, thermostat, water heater, or electrical panel are photographed. Kitchen sink and counters appear intact. Because major systems are not documented in photos, assign a cautious score — likely functional but require verification (service records or visible equipment)."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in any provided photos (NSPIRE-required).",
"No kitchen appliances (stove/oven and refrigerator) visible in photos — reduces readiness and may require installation.",
"No visible HVAC equipment, thermostat, water heater, or electrical panel in photos — major systems need verification."
],
"confidence": 0.89,
"assumptions": [
"Interior photos are representative of the whole unit; no major concealed water damage or structural failure exists outside the frame of photos.",
"Kitchen appliances (stove/refrigerator) are not shown but may be present elsewhere; their absence in photos was treated as 'missing or not shown'.",
"A central HVAC system is likely present (hall vent/return visible) though no exterior condenser or thermostat was photographed; assume operational until verified.",
"Electrical panel, water heater and GFCI protection exist but were not photographed; assume typical mid-century upgrades may have been performed during remodel.",
"Exterior envelope (roof, foundation, siding) and site conditions are unknown — treated as moderate risk due to lack of images but no interior evidence of active leaks or severe issues."
],
"score_method": "mean_of_criteria",
"overall_score": 67.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7205228381"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.