Property ID: 7214344016
916 Hagwood Rd, Birmingham, AL, 35235
Birmingham, AL
Money Down: $23,976
CoC Return: 29.67%
Monthly Cash Flow: $593
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,980
Closing Costs
$3,996
Total Down
$23,976
Investment Snapshot
Purchase Price
$99,900
Money Down
$23,976
Cash-on-Cash Return
29.67%
Rent
$1,423
Monthly Cash Flow
$593
Annual Cash Flow
$7,114
Debt Service / Mo
$532
Property Tax / Mo
$76
Insurance / Mo
$80
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,423
Payment Standard
$1,870
Rent
$1,423
Insurance
$80
Property Tax
$76
Management
$142
Utilities Allowance
$447
NOI (Monthly)
$1,125
Debt Service
$532
Cash Flow After Debt
$593
Quality Score: 67.10%
Confidence: 94.00%
Overall this 3BR/1BA home appears structurally sound and likely able to pass an initial HCV/NSPIRE inspection after modest repairs and verification of a few systems. Big-ticket items (metal roof and HVAC) are reported recent which reduces system risk. Primary required work before leasing: replace or repair worn/stained carpeting (eliminate trip hazards), install/verify GFCI protection in kitchen/bath, install a CO alarm (if required by local code), repair or cover exposed outlets/switch plates, clean and test smoke detectors, and ensure fireplace/combustion appliances are safe/inspected or disabled. Verify water heater and electrical panel condition on site. With these moderate fixes the property should be rent-ready within ~2–4 weeks.
Section 8 Payment Standard
$1,870
Utility Allowance Total
$447
Guaranteed Section 8 Rent (PS - Utilities)
$1,423
Property Management
$142
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$99,900
Beds
3
Baths
1
Living Area
1,343 sqft
Lot Size
10,454 sqft
Year Built
1962
Days on Market
74
Capital Outlay
$23,976
Debt Service
$532
Property Tax / Mo
$76
Insurance / Mo
$80
Property Description
Discover this charming 3BR Opportunity in an established, quiet community. This 3 bedroom, 1 bath home is located on a nicely appointed quarter-acre lot. With well maintained structural features, such as a 4 year old metal roof and HVAC, the big-ticket items have already been checked off your list! Whether you're a first time homebuyer or a saavy investor seeking your next solid addition, this property delivers outstanding potential. Step inside to discover a home with great bones, a functional layout, and plenty of natural light. The expansive lot provides room to relax, garden, or even expand. With a little vision and creativity, this property can easily be transformed!
Utility Allowances
Cooking
$21
Property includes an electric stove. The allowance is based on the 'Elec: Ala Power' rate for a 3-bedroom unit, chosen for consistency with other electric utilities.
Heating
$38
Property has central gas heating. The 'N'Gas: Spire' provider was selected as a major local provider. The value is from the 3-bedroom column.
Cooling
$22
Property has electric central cooling. The 'A/C: Alabama Power' provider was selected as the primary local provider. The value is from the 3-bedroom column.
Water Heating
$35
Property has a gas water heater. The 'N'Gas: Spire' provider was selected for consistency with the heating fuel. The value is from the 3-bedroom column.
Other Electric
$68
This allowance is for lights and other general electric use. 'Lights, Ref, Etc.: Ala Power' was selected for consistency. The value is from the 3-bedroom column.
Water
$78
Property uses public water. The 'Water: Birmingham' rate was selected as the property is located in Birmingham. The value is from the 3-bedroom column.
Sewer
$151
Property is connected to public sewer. The allowance is based on the fixed rate for a 3-bedroom unit.
Trash Collection
$20
Trash collection is required for a single-family home. 'Jefferson City' was selected as a general county option, as a specific Birmingham provider is not listed in the schedule.
Refrigerator
$8
The property listing does not mention a refrigerator, so it is assumed to be tenant-provided. The allowance is a fixed amount from the schedule.
Range/Microwave
$6
The property listing does not state a microwave is included, so it is assumed to be tenant-provided. The allowance is a fixed amount from the schedule.
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$804
DP3 Annual Estimate$1,114
DP1 Monthly Equivalent$67
DP3 Monthly Equivalent$93
Replacement Value$104,300
Basis1,343 sqft / 1962
Nearby Houses
Photo unavailable
1001 Hagwood Rd
sold · 0.07 mi
Price: $75,000
3 bd / 2 ba
Latest sale: $75,000 on Jul 27, 2016
Latest rent: —
Photo unavailable
901 Hagwood Rd
sold · 0.07 mi
Price: $127,000
3 bd / 1 ba · 1,450 sqft
Latest sale: $127,000 on Jul 31, 2025
Latest rent: $1,375 on Sep 22, 2025
Photo unavailable
841 Wear Dr
sold · 0.09 mi
Price: $125,000
3 bd / 2 ba · 1,661 sqft
Latest sale: $125,000 on Feb 21, 2025
Latest rent: $1,145 on Jan 11, 2019
Photo unavailable
913 Wear Dr
sold · 0.09 mi
Price: $135,000
3 bd / 2 ba · 1,340 sqft
Latest sale: $135,000 on May 17, 2021
Latest rent: $1,445 on Mar 03, 2023
Photo unavailable
837 Hagwood Rd
sold · 0.10 mi
Price: $225,000
4 bd / 2 ba · 1,980 sqft
Latest sale: $225,000 on Mar 11, 2024
Latest rent: —
Photo unavailable
836 Hagwood Rd
sold · 0.10 mi
Price: $122,900
3 bd / 1 ba · 1,139 sqft
Latest sale: $122,900 on Mar 15, 2022
Latest rent: $1,025 on Jan 04, 2022
Photo unavailable
921 Wear Dr
sold · 0.12 mi
Price: $190,000
3 bd / 2 ba · 1,872 sqft
Latest sale: $190,000 on Apr 21, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No carbon monoxide detector visible in interior photos — CO alarm required in many jurisdictions (especially for homes with fuel-burning appliances or attached garages).
- No visible GFCI-protected outlet in kitchen area — missing GFCI would be a NSPIRE/kitchen electrical deficiency.
- Carpet damage/seams and torn carpet at hearth present trip hazards that must be corrected prior to inspection.
- Fireplace hearth abuts carpet and shows loose/missing floor tiles; fireplace should be inspected/cleaned and hearth conditions corrected if used.
Assumptions
- Listing is accurate that the metal roof and HVAC are ~4 years old and currently operational.
- No active plumbing leaks or major hidden water damage exist (no ceiling stains visible in photos).
- Water heater and electrical panel exist and are functional but were not photographed.
- Appliances shown (range, dishwasher) are present and can be made operational; a refrigerator is not pictured but is not required for passing safety inspection.
- No significant pest infestation or concealed mold beyond what is visible in photos.
- Bedrooms have properly sized egress windows as typical for this house type (windows appear full-size in photos).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2023 | $888 | $132,300 | $13,240 |
| 2022 | $891 | $132,800 | $13,280 |
| 2021 | $737 | $111,600 | $11,160 |
| 2020 | $579 | $89,700 | $8,980 |
| 2019 | $579 | $89,700 | $8,980 |
| 2018 | $483 | $76,500 | $7,660 |
| 2017 | $483 | $76,500 | $7,660 |
| 2016 | $544 | $84,900 | $8,500 |
| 2015 | $544 | $84,900 | $8,500 |
| 2013 | $515 | $83,700 | $8,380 |
| 2012 | $543 | $87,830 | $8,783 |
| 2011 | $553 | $89,200 | $8,920 |
| 2010 | $604 | $96,500 | $9,650 |
| 2009 | $604 | $96,500 | $9,650 |
| 2008 | $617 | $98,500 | $9,850 |
| 2007 | $589 | $94,400 | $9,440 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2003-11-21 | Sold | $74,900 |
Photo Gallery
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"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "21383818",
"price_change_percentage": null
},
{
"date": "2024-05-17",
"price": 135900,
"listing": {
"status": "off_market",
"list_date": "2024-04-25T13:52:02Z",
"list_price": 130900,
"listing_id": "2966591733",
"last_update_date": "2024-08-15T13:11:53Z",
"last_status_change_date": "2024-09-27T07:54:18Z"
},
"event_name": "Price Changed",
"price_sqft": 101.19136262099777,
"source_name": "GreaterAlabamaMLS",
"price_change": -4000,
"days_after_listed": null,
"source_listing_id": "21383818",
"price_change_percentage": null
},
{
"date": "2024-04-30",
"price": 139900,
"listing": {
"status": "off_market",
"list_date": "2024-04-25T13:52:02Z",
"list_price": 130900,
"listing_id": "2966591733",
"last_update_date": "2024-08-15T13:11:53Z",
"last_status_change_date": "2024-09-27T07:54:18Z"
},
"event_name": "Relisted",
"price_sqft": 104.16976917349218,
"source_name": "GreaterAlabamaMLS",
"price_change": 139900,
"days_after_listed": null,
"source_listing_id": "21383818",
"price_change_percentage": null
},
{
"date": "2024-04-26",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2024-04-25T13:52:02Z",
"list_price": 130900,
"listing_id": "2966591733",
"last_update_date": "2024-08-15T13:11:53Z",
"last_status_change_date": "2024-09-27T07:54:18Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "1 day",
"source_listing_id": "21383818",
"price_change_percentage": null
},
{
"date": "2024-04-25",
"price": 139900,
"listing": {
"status": "off_market",
"list_date": "2024-04-25T13:52:02Z",
"list_price": 130900,
"listing_id": "2966591733",
"last_update_date": "2024-08-15T13:11:53Z",
"last_status_change_date": "2024-09-27T07:54:18Z"
},
"event_name": "Listed",
"price_sqft": 104.16976917349218,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21383818",
"price_change_percentage": "+86.78%"
},
{
"date": "2003-12-04",
"price": 74900,
"listing": null,
"event_name": "Sold",
"price_sqft": 55.77066269545793,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2003-11-21",
"price": 74900,
"listing": null,
"event_name": "Sold",
"price_sqft": 55.77066269545793,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1987-02-06",
"price": 53000,
"listing": null,
"event_name": "Sold",
"price_sqft": 39.463886820551004,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1985-08-01",
"price": 51189,
"listing": null,
"event_name": "Sold",
"price_sqft": 38.11541325390916,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Building permit",
"permit_effective_date": "Dec 15, 1995",
"permit_project_type_1": "Siding",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "7214344016",
"generated_at": "2026-02-16T03:42:19.844232Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.1
},
"utility_allowance": {
"zip_code": "35235",
"home_photo": "https://ap.rdcpix.com/63717daedf498984f164d65ee4db3e2el-m3424415996s-w1280.jpg",
"rent_price": 1423.0,
"loan_amount": 79920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/916-Hagwood-Rd_Birmingham_AL_35235_M72143-44016",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 99900.0,
"loan_term_years": 30,
"annual_cash_flow": 13494.76,
"mortgage_monthly": 531.71,
"payment_standard": 1870.0,
"total_amount_out": 19980.0,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 79.92,
"monthly_cash_flow": 1124.56,
"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 includes an electric stove. The allowance is based on the 'Elec: Ala Power' rate for a 3-bedroom unit, chosen for consistency with other electric utilities.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property has central gas heating. The 'N'Gas: Spire' provider was selected as a major local provider. The value is from the 3-bedroom column.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property has electric central cooling. The 'A/C: Alabama Power' provider was selected as the primary local provider. The value is from the 3-bedroom column.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has a gas water heater. The 'N'Gas: Spire' provider was selected for consistency with the heating fuel. The value is from the 3-bedroom column.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "This allowance is for lights and other general electric use. 'Lights, Ref, Etc.: Ala Power' was selected for consistency. The value is from the 3-bedroom column.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property uses public water. The 'Water: Birmingham' rate was selected as the property is located in Birmingham. The value is from the 3-bedroom column.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is connected to public sewer. The allowance is based on the fixed rate for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash collection is required for a single-family home. 'Jefferson City' was selected as a general county option, as a specific Birmingham provider is not listed in the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property listing does not mention a refrigerator, so it is assumed to be tenant-provided. The allowance is a fixed amount from the schedule.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property listing does not state a microwave is included, so it is assumed to be tenant-provided. The allowance is a fixed amount from the schedule.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.68,
"down_payment_amount": 19980.0,
"property_tax_annual": 914.64,
"property_tax_monthly": 76.22,
"property_tax_increase": 0.03,
"utility_allowance_total": 447.0,
"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": 2023,
"annual_cash_flow_after_debt": 7114.24,
"property_management_monthly": 142.3,
"monthly_cash_flow_after_debt": 592.85,
"cash_on_cash_return_after_debt": 0.36
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3BR/1BA home appears structurally sound and likely able to pass an initial HCV/NSPIRE inspection after modest repairs and verification of a few systems. Big-ticket items (metal roof and HVAC) are reported recent which reduces system risk. Primary required work before leasing: replace or repair worn/stained carpeting (eliminate trip hazards), install/verify GFCI protection in kitchen/bath, install a CO alarm (if required by local code), repair or cover exposed outlets/switch plates, clean and test smoke detectors, and ensure fireplace/combustion appliances are safe/inspected or disabled. Verify water heater and electrical panel condition on site. With these moderate fixes the property should be rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Cosmetic deferred maintenance is visible throughout: heavily worn/stained carpeting with seams/rips, torn/uneven carpet at hearth, scuffed walls with small holes, outdated finishes (wood paneling), and some missing trim/transition pieces. Major appliances are present (range, dishwasher) reducing impact. These are mostly cosmetic/finish items and fixable within a short renovation scope (cleaning, flooring replacement, paint, minor carpentry)."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "A ceiling-mounted smoke detector is visible in the main area, and the entry door has locking hardware (deadbolt). No carbon monoxide detector is visible in photos. Kitchen outlets and switches are present but no GFCI receptacle is evident near the sink area. Carpet lifts, seams and torn areas at room transitions/hearth present trip hazards. The fireplace appears intact but the surrounding carpet and nearby wiring/cables create a potential ignition/trip/electrical risk requiring remediation and inspection. No visible active leaks, major ceiling stains, exposed structural failures, or missing egress windows were observed. Overall there are moderate NSPIRE compliance risks that are addressable prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 75.0,
"rationale": "Listing states metal roof installed ~4 years ago and HVAC ~4 years old; exterior photos show a metal roof in good visual condition and interior ceiling shows no obvious water stains. Supply/return vents are visible, implying a forced-air system. Domestic hot water, water heater and electrical panel are not shown, so those are unconfirmed. No visible active plumbing leaks or major water damage in photos. Given listing claims and lack of interior water damage, major systems are likely in serviceable condition but need verification (water heater, electrical panel, GFCI, CO detector)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior appears well maintained: relatively new metal roof, intact siding/brick veneer, gutters present, driveway/carport intact, yard is tidy though slightly overgrown shrubs. No visible foundation cracking, major settling or standing water in photos. Landscaping needs basic clean-up. Overall low risk at exterior for inspection."
}
],
"red_flags": [
"No carbon monoxide detector visible in interior photos — CO alarm required in many jurisdictions (especially for homes with fuel-burning appliances or attached garages).",
"No visible GFCI-protected outlet in kitchen area — missing GFCI would be a NSPIRE/kitchen electrical deficiency.",
"Carpet damage/seams and torn carpet at hearth present trip hazards that must be corrected prior to inspection.",
"Fireplace hearth abuts carpet and shows loose/missing floor tiles; fireplace should be inspected/cleaned and hearth conditions corrected if used."
],
"confidence": 0.72,
"assumptions": [
"Listing is accurate that the metal roof and HVAC are ~4 years old and currently operational.",
"No active plumbing leaks or major hidden water damage exist (no ceiling stains visible in photos).",
"Water heater and electrical panel exist and are functional but were not photographed.",
"Appliances shown (range, dishwasher) are present and can be made operational; a refrigerator is not pictured but is not required for passing safety inspection.",
"No significant pest infestation or concealed mold beyond what is visible in photos.",
"Bedrooms have properly sized egress windows as typical for this house type (windows appear full-size in photos)."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR ranch appears structurally sound with recent major items (metal roof, HVAC per listing). Primary work to reach Section 8 / NSPIRE pass is cosmetic refresh (carpet replacement/cleaning, paint, fixture updates) plus correcting safety/code items: verify/repair electrical/GFCI protection in kitchen, add/confirm carbon monoxide alarms and smoke detector coverage for bedrooms, and inspect fireplace/venting. With those actions (and routine verification of HVAC/water heater), the property is likely rent‑ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows cosmetic and medium‑scope deferred maintenance: heavily soiled/worn carpeting throughout, scuffed/marked walls, dated kitchen finishes and some missing/aged light fixtures. Appliances (stove, dishwasher) are present but look worn and may need servicing; missing fridge not observed. No visible major structural damage. These are mostly cosmetic or mid‑level rehab tasks (replace/clean carpet, paint, minor cabinet/fixture repairs) that should be addressable within a few weeks."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 55.0,
"rationale": "Some safety items observed or not visible: an operable smoke detector is visible in a main area but coverage in each bedroom is not shown; no carbon monoxide alarm was visible (required if fuel appliances/fireplace used). Kitchen shows standard outlets (no visible GFCI at sink area). Entry door has deadbolt. No obvious exposed live wiring or collapsed ceilings, but there are trip hazards at carpet edges and hearth. Fireplace and potential gas appliance venting were not verified. These gaps are moderate inspection risks under NSPIRE and could cause initial fail if not corrected (CO alarm, GFCI, smoke coverage)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 70.0,
"rationale": "Listing states HVAC and metal roof are ~4 years old; images show floor vents and a metal roof in good visual condition, which reduces major system risk. Plumbing fixtures (kitchen sink, dishwasher) appear present though operational status not verified in photos. Electrical system condition cannot be fully assessed from images; outlets and switches are aged but intact. No visible water intrusion or active leaks in photos. Overall likely functional major systems but verification (water heater, electrical panel, HVAC operation) is required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior photos show a recent metal roof, intact brick/siding, functional gutters/downspouts, carport and paved driveway. Lot is slightly overgrown but stable; no standing water or foundation cracking visible. Minor exterior maintenance (trim vegetation, clean up landscaping) needed. Overall envelope looks sound and low risk for immediate structural repair."
}
],
"red_flags": [
"Electrical hazards: kitchen lacks visible GFCI protection near sink and several outlets/switches appear old (NSPIRE fail risk).",
"No visible carbon monoxide detector (required where fuel appliances/fireplace present) — inspection fail risk.",
"Incomplete/uncertain smoke detector coverage for all sleeping areas (only one detector visible).",
"Interior trip hazards: deteriorated carpeting and exposed hearth/threshold areas at fireplace and room transitions."
],
"confidence": 0.7,
"assumptions": [
"Listing is accurate that roof and HVAC were replaced ~4 years ago and are operational.",
"Water heater is present and functioning though not shown in photos.",
"Windows in bedrooms meet egress size/operability requirements (not directly measured in photos).",
"No active plumbing leaks or hidden water damage beyond what is visible in photos.",
"Electrical panel location and condition were not provided; assumed intact but older components may exist.",
"Appliances shown (stove, dishwasher) are present but may require servicing; missing refrigerator would be considered a replaceable appliance item.",
"Smoke alarm visible in photos is functional; however additional alarms may be required per NSPIRE and are not shown."
],
"overall_score": 66.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Overall the house appears rent-ready with primarily cosmetic and minor safety/code items to correct. Key positives: recent metal roof and HVAC (per listing), intact exterior envelope, functioning kitchen appliances present. Main work to achieve NSPIRE readiness: replace/repair stained and torn carpeting or install new flooring, repair/replace damaged light fixtures and outlet/switch plates, install or verify GFCI protection in kitchen/bath, install carbon monoxide detector (recommended/required given fireplace), and perform a chimney/flue inspection. No major structural or life-safety failures are evident in photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows heavy cosmetic wear: stained/old carpeting throughout (several areas with visible wear and tears), dated paneling, missing/old light fixtures, small wall damage and scuffs. Kitchen has existing range and dishwasher (reduces penalty for missing appliances), but cabinets, counters and flooring are worn. Exterior landscaping is overgrown and will need trimming. These are largely cosmetic and normal rehab items; no widespread visible structural deterioration."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 60.0,
"rationale": "A working smoke detector is visible in the hallway (positive). The front door shows two locks (deadbolt visible), windows appear intact for egress in photos. Observed hazards: an outlet/switch plate appears missing or damaged near the kitchen/door area, at least one light fixture is broken/missing bulbs, carpet is torn at the step between rooms creating a trip hazard, and no carbon monoxide detector is visible in photos (fuel-burning fireplace present). GFCI protection in kitchen/bath cannot be confirmed from photos and none are obvious. No exposed high-voltage wiring or active ceiling collapse observed. These items raise moderate NSPIRE risk and would likely require correction prior to move-in."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 70.0,
"rationale": "Listing states metal roof replaced ~4 years ago and HVAC is ~4 years old; exterior photos corroborate a metal roof in good visible condition and listing claims recent HVAC — both reduce major risk. Kitchen plumbing fixtures appear present and functional (sink visible); range and dishwasher present. Electrical panel and water heater were not photographed, so their condition is unknown. Fireplace is present and will require flue/chimney inspection before use. Because the highest-value systems are reportedly recent and no active leaks or ceiling stains are visible, systems risk is moderate but with some unknowns."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brick and siding appear intact; metal roof looks in good condition. Driveway, carport and walkways are present. Yard is generally level with no visible standing water or obvious foundation settling in photos. Landscaping is overgrown along foundation which should be trimmed to reduce moisture/termite risk. No visible major exterior structural defects."
}
],
"red_flags": [
"No carbon monoxide detector visible in photos (fuel-burning fireplace present) — CO alarm required where local code mandates and strongly recommended for tenant safety.",
"No obvious GFCI outlet visible in kitchen area in photos — lack of GFCI on kitchen/bath circuits can cause inspection failure.",
"Missing/damaged outlet or switch plate at kitchen/door area (observed) — electrical cover plates must be in place.",
"Torn/loose carpeting at the step between rooms — trip hazard that should be repaired prior to inspection.",
"Fireplace/chimney condition unknown — requires inspection and proof of safety/clearance if intended for tenant use."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that the metal roof and HVAC are ~4 years old is accurate and both are in working order.",
"Water heater is present and operational though it was not photographed.",
"Electrical service/panel exists inside and is intact; no visible outside exposed high-voltage wiring indicates main electrical is likely functional.",
"Bedrooms have at least one egress window each (not individually photographed but typical for a 1962 single-family layout and windows are visible).",
"Photographs represent the full interior condition (no hidden collapsed ceilings or active roof leaks were visible).",
"Refrigerator is not pictured; lack of visible fridge assumed (missing appliance) but this alone is not treated as a catastrophic failure.",
"No known recent rental history (rental_history_last_5y shows missing) and therefore rental activity not used in scoring."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "916 Hagwood Rd, Birmingham, AL, 35235",
"aggregate": {
"summary": "Overall this 3BR/1BA home appears structurally sound and likely able to pass an initial HCV/NSPIRE inspection after modest repairs and verification of a few systems. Big-ticket items (metal roof and HVAC) are reported recent which reduces system risk. Primary required work before leasing: replace or repair worn/stained carpeting (eliminate trip hazards), install/verify GFCI protection in kitchen/bath, install a CO alarm (if required by local code), repair or cover exposed outlets/switch plates, clean and test smoke detectors, and ensure fireplace/combustion appliances are safe/inspected or disabled. Verify water heater and electrical panel condition on site. With these moderate fixes the property should be rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Cosmetic deferred maintenance is visible throughout: heavily worn/stained carpeting with seams/rips, torn/uneven carpet at hearth, scuffed walls with small holes, outdated finishes (wood paneling), and some missing trim/transition pieces. Major appliances are present (range, dishwasher) reducing impact. These are mostly cosmetic/finish items and fixable within a short renovation scope (cleaning, flooring replacement, paint, minor carpentry)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 77.7,
"rationale": "Exterior appears well maintained: relatively new metal roof, intact siding/brick veneer, gutters present, driveway/carport intact, yard is tidy though slightly overgrown shrubs. No visible foundation cracking, major settling or standing water in photos. Landscaping needs basic clean-up. Overall low risk at exterior for inspection."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 58.3,
"rationale": "A ceiling-mounted smoke detector is visible in the main area, and the entry door has locking hardware (deadbolt). No carbon monoxide detector is visible in photos. Kitchen outlets and switches are present but no GFCI receptacle is evident near the sink area. Carpet lifts, seams and torn areas at room transitions/hearth present trip hazards. The fireplace appears intact but the surrounding carpet and nearby wiring/cables create a potential ignition/trip/electrical risk requiring remediation and inspection. No visible active leaks, major ceiling stains, exposed structural failures, or missing egress windows were observed. Overall there are moderate NSPIRE compliance risks that are addressable prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 71.7,
"rationale": "Listing states metal roof installed ~4 years ago and HVAC ~4 years old; exterior photos show a metal roof in good visual condition and interior ceiling shows no obvious water stains. Supply/return vents are visible, implying a forced-air system. Domestic hot water, water heater and electrical panel are not shown, so those are unconfirmed. No visible active plumbing leaks or major water damage in photos. Given listing claims and lack of interior water damage, major systems are likely in serviceable condition but need verification (water heater, electrical panel, GFCI, CO detector)."
}
],
"red_flags": [
"No carbon monoxide detector visible in interior photos — CO alarm required in many jurisdictions (especially for homes with fuel-burning appliances or attached garages).",
"No visible GFCI-protected outlet in kitchen area — missing GFCI would be a NSPIRE/kitchen electrical deficiency.",
"Carpet damage/seams and torn carpet at hearth present trip hazards that must be corrected prior to inspection.",
"Fireplace hearth abuts carpet and shows loose/missing floor tiles; fireplace should be inspected/cleaned and hearth conditions corrected if used."
],
"confidence": 0.94,
"assumptions": [
"Listing is accurate that the metal roof and HVAC are ~4 years old and currently operational.",
"No active plumbing leaks or major hidden water damage exist (no ceiling stains visible in photos).",
"Water heater and electrical panel exist and are functional but were not photographed.",
"Appliances shown (range, dishwasher) are present and can be made operational; a refrigerator is not pictured but is not required for passing safety inspection.",
"No significant pest infestation or concealed mold beyond what is visible in photos.",
"Bedrooms have properly sized egress windows as typical for this house type (windows appear full-size in photos)."
],
"score_method": "mean_of_criteria",
"overall_score": 67.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7214344016"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.