Property ID: 7227774277
1020 Minor Dr, Birmingham, AL, 35224
Birmingham, AL
Money Down: $27,600
CoC Return: 13.24%
Monthly Cash Flow: $305
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Investment Snapshot
Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
13.24%
Rent
$1,154
Monthly Cash Flow
$305
Annual Cash Flow
$3,654
Debt Service / Mo
$612
Property Tax / Mo
$46
Insurance / Mo
$76
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,154
Payment Standard
$1,518
Rent
$1,154
Insurance
$76
Property Tax
$46
Management
$115
Utilities Allowance
$364
NOI (Monthly)
$917
Debt Service
$612
Cash Flow After Debt
$305
Quality Score: 73.50%
Confidence: 95.00%
This is a generally well‑maintained single‑family home with mostly cosmetic repairs only. The interior and exterior photos show clean, rent‑ready surfaces and functioning kitchen appliances (except a refrigerator is not pictured). The most important NSPIRE concerns are missing/undocumented smoke and carbon monoxide detectors (required, especially given the gas fireplace) and signs of aging at the roof fascia/soffit plus a large tree near the foundation. If detectors are installed and the roof/soffit are addressed as needed, the property would likely pass an initial HCV/NSPIRE inspection after minor fixes (1–30 days).
Section 8 Payment Standard
$1,518
Utility Allowance Total
$364
Guaranteed Section 8 Rent (PS - Utilities)
$1,154
Property Management
$115
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,000
Beds
3
Baths
2
Living Area
1,344 sqft
Lot Size
11,326 sqft
Year Built
1952
Days on Market
63
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$46
Insurance / Mo
$76
Property Description
Tucked away in a quiet neighborhood, this one just feels like home the moment you pull up. A classic Southern front porch sets the tone and is basically begging for family, friends, and a bowl of homemade ice cream on a warm summer afternoon. Inside, youll find a comfortable layout with a breakfast/dining room, kitchen, living room, and a cozy den featuring a gas fireplace that makes it easy to settle in and stay awhile. The home offers three bedrooms and two full bathrooms, giving you plenty of space to spread out. Out back, a screened-in porch overlooks the backyard and is perfect for slow mornings or quiet nights. Parking and storage are covered with a detached two-car garage plus an additional two-car carport. Peaceful, welcoming, and full of charm. Dont miss out! Schedule a private tour today!
Utility Allowances
Heating
$93
Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The property has central heat, and electric is assumed based on the presence of an electric stove and electric water heater. Alabama Power is the most likely provider in the area.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property details list 'Central Air' cooling. Alabama Power is the most likely provider.
Water Heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details explicitly state 'Electric Water Heater'. Alabama Power is the most likely provider.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details explicitly state 'Stove-Electric'. Alabama Power is the most likely provider.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity usage. The landlord provides the refrigerator, so its use is included here, not as a separate tenant allowance.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit. Property details specify 'Public Water', and the property is located in Birmingham.
Sewer
$0
Property details explicitly state it uses a 'Septic' system, so there is no tenant-paid public sewer utility. Allowance is $0.
Trash Collection
$20
Selected 'Jefferson City (Once per week)'. As a single-family home, trash collection is a necessary utility, and this is the most appropriate general option for the county.
Refrigerator
$0
The landlord provides the refrigerator, so the tenant allowance is $0.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so this allowance is included for a tenant-provided 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$751
DP3 Annual Estimate$1,063
DP1 Monthly Equivalent$63
DP3 Monthly Equivalent$89
Replacement Value$97,000
Basis1,344 sqft / 1952
Nearby Houses
Photo unavailable
1012 Minor Dr
sold · 0.02 mi
Price: $89,900
3 bd / 2 ba · 1,774 sqft
Latest sale: $89,900 on Jul 03, 2018
Latest rent: —
Photo unavailable
1017 Minor Dr
off_market · 0.05 mi
Price: $70,000
3 bd / 1 ba · 1,140 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1009 Minor Dr
sold · 0.05 mi
Price: $120,000
3 bd / 2 ba · 1,320 sqft
Latest sale: $120,000 on Dec 12, 2022
Latest rent: —
Photo unavailable
1029 Minor Dr
sold · 0.05 mi
Price: $128,000
3 bd / 2 ba · 1,148 sqft
Latest sale: $128,000 on May 25, 2022
Latest rent: —
Photo unavailable
2997 Canoles Ave
sold · 0.06 mi
Price: $111,500
4 bd / 2 ba · 1,274 sqft
Latest sale: $111,500 on Jul 28, 2020
Latest rent: $1,150 on Oct 14, 2022
Photo unavailable
1037 Minor Dr
sold · 0.06 mi
Price: $115,000
3 bd / 1 ba · 1,080 sqft
Latest sale: $115,000 on Jan 31, 2024
Latest rent: —
Photo unavailable
1033 Minor Dr
sold · 0.06 mi
Price: $75,000
4 bd / 2 ba · 1,416 sqft
Latest sale: $75,000 on Oct 22, 2025
Latest rent: $1,350 on Dec 17, 2025
Photo unavailable
1040 Minor Dr
sold · 0.08 mi
Price: $60,500
2 bd / 1 ba · 929 sqft
Latest sale: $60,500 on Jul 25, 2023
Latest rent: $1,000 on Sep 08, 2023
Photo unavailable
988 Minor Dr
sold · 0.10 mi
Price: $144,900
3 bd / 2 ba · 1,952 sqft
Latest sale: $144,900 on Apr 15, 2021
Latest rent: —
Photo unavailable
2958 Mulga Loop Rd
sold · 0.11 mi
Price: $86,500
2 bd / 1 ba · 1,084 sqft
Latest sale: $86,500 on Jun 30, 2021
Latest rent: $810 on Jun 17, 2021
Photo unavailable
975 Lane Dr
sold · 0.12 mi
Price: $230,000
4 bd / 3 ba · 4,502 sqft
Latest sale: $230,000 on Oct 06, 2021
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors in photos (required by NSPIRE).
- No visible carbon monoxide detector in photos despite a gas fireplace (CO alarm required).
- Peeling/deteriorating soffit/fascia and aging roof edge that may need repair or roof service.
- Large mature tree directly adjacent to the house — potential foundation/roof risk from roots/limbs.
Assumptions
- Central heating and cooling system, electrical panel, and water heater are present and functional though not visible in photos.
- Bedrooms have legal egress windows (not pictured) consistent with a 1952 single‑family layout.
- Smoke alarms and carbon monoxide alarms are not visible in photos and should be verified/installed; absence is treated as a risk.
- No active roof leaks or interior water damage exist beyond the visible soffit/fascia deterioration; interior ceilings show no staining in provided photos.
- The gas fireplace is operable as listed; proper venting and a CO detector are therefore required.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $541 | $108,000 | $10,800 |
| 2023 | $541 | $108,000 | $10,800 |
| 2022 | $406 | $81,100 | $8,120 |
| 2021 | $428 | $85,600 | $8,560 |
| 2020 | $428 | $85,600 | $8,560 |
| 2019 | $428 | $85,600 | $8,560 |
| 2018 | $360 | $71,900 | $7,200 |
| 2017 | $360 | $71,900 | $7,200 |
| 2016 | $720 | $71,900 | $14,380 |
| 2015 | $720 | $71,900 | $14,380 |
| 2013 | $807 | $70,800 | $14,160 |
| 2012 | $807 | $79,140 | $15,828 |
| 2011 | $819 | $80,300 | $16,060 |
| 2010 | $819 | $80,300 | $16,060 |
| 2009 | $819 | $80,300 | $16,060 |
| 2008 | $374 | $84,400 | $8,440 |
| 2007 | $357 | $80,900 | $8,090 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-15 | Listed | $115,000 |
| 2010-07-01 | Listing removed | $75,900 |
| 2010-06-26 | Price Changed | $75,900 |
| 2010-06-20 | Price Changed | $79,900 |
| 2009-12-30 | Listed | $82,900 |
| 2009-06-30 | Listing removed | $89,900 |
| 2009-04-04 | Relisted | $89,900 |
| 2009-02-21 | Listing removed | $89,900 |
| 2009-02-10 | Listed | $89,900 |
| 2008-09-28 | Listing removed | $99,500 |
| 2008-04-09 | Listed | $99,500 |
Photo Gallery
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"note": "Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The property has central heat, and electric is assumed based on the presence of an electric stove and electric water heater. Alabama Power is the most likely provider in the area.",
"utility": "Heating",
"allowance": 93
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{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property details list 'Central Air' cooling. Alabama Power is the most likely provider.",
"utility": "Cooling",
"allowance": 22
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{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details explicitly state 'Electric Water Heater'. Alabama Power is the most likely provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details explicitly state 'Stove-Electric'. Alabama Power is the most likely provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity usage. The landlord provides the refrigerator, so its use is included here, not as a separate tenant allowance.",
"utility": "Other Electric",
"allowance": 68
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{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit. Property details specify 'Public Water', and the property is located in Birmingham.",
"utility": "Water",
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{
"note": "Property details explicitly state it uses a 'Septic' system, so there is no tenant-paid public sewer utility. Allowance is $0.",
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{
"note": "Selected 'Jefferson City (Once per week)'. As a single-family home, trash collection is a necessary utility, and this is the most appropriate general option for the county.",
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{
"note": "The landlord provides the refrigerator, so the tenant allowance is $0.",
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"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, severe mold, or standing water). However, I do not see smoke detectors or carbon monoxide detectors in photos (required by NSPIRE). The property has a gas fireplace (listing text), which increases need for a working CO alarm and verified venting. Roof fascia/soffit peeling and a large tree very close to the foundation create inspection concerns that should be evaluated. Entry door looks solid but presence of a deadbolt is not confirmed. GFCI protection in kitchen/bath not visible in photos."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Major systems are not directly visible in photos. Kitchen appliances (electric range and dishwasher) appear serviceable. No visible signs of active water intrusion, plumbing failure, or damaged ceilings. Roof edge shows cosmetic deterioration that may indicate aging shingles and near‑term roof service; recommend roof inspection. Heating/cooling equipment and electrical panel/water heater are not shown — assumed present and functional but not verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior siding and porch appear in good cosmetic condition; driveway, detached garage and carport provide adequate parking/storage. Front porch railings intact and porch surface looks sound. Moderate concerns: large mature tree sits very close to house (root/foundation risk and potential roof impact) and minor soffit/fascia peeling at roof edge. Yard is leaf-covered but not an immediate safety hazard."
}
],
"red_flags": [
"No visible smoke detectors in photos (required by NSPIRE).",
"No visible carbon monoxide detector in photos despite a gas fireplace (CO alarm required).",
"Peeling/deteriorating soffit/fascia and aging roof edge that may need repair or roof service.",
"Large mature tree directly adjacent to the house — potential foundation/roof risk from roots/limbs."
],
"confidence": 0.6,
"assumptions": [
"Central heating and cooling system, electrical panel, and water heater are present and functional though not visible in photos.",
"Bedrooms have legal egress windows (not pictured) consistent with a 1952 single‑family layout.",
"Smoke alarms and carbon monoxide alarms are not visible in photos and should be verified/installed; absence is treated as a risk.",
"No active roof leaks or interior water damage exist beyond the visible soffit/fascia deterioration; interior ceilings show no staining in provided photos.",
"The gas fireplace is operable as listed; proper venting and a CO detector are therefore required."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Overall the property appears to be in good cosmetic condition and would likely pass an initial HCV/NSPIRE inspection after addressing a few quick items. Primary near-term actions before leasing: verify and install code-required smoke and carbon monoxide detectors, confirm HVAC and hot water operation, verify electrical panel and install GFCI protection at kitchen/bath as required, and address minor roof/soffit paint and porch step. Tree close to structure and unverified major systems are the main inspection risk areas. With those items addressed, property is rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show a well-maintained, cosmetically updated house: fresh paint, intact drywall and trim, new-looking carpet, functioning cabinetry and countertops. Kitchen has working built-in range/oven and dishwasher visible (fridge not pictured). Porch decking and railings appear sound. Observable deferred items are minor: paint peeling along roof/soffit fascia, small concrete step at porch entrance with edge wear, and yard cleanup (leaf debris). These are cosmetic or capital items and easy-to-fix prior to tenancy. Missing or unpictured fridge reduces score slightly but is not a structural failure."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 70.0,
"rationale": "No visible exposed wiring, broken glass, collapsed ceilings, or active water stains in the photos. Front entry door appears to have a keyed lock and likely a deadbolt. Porch railings and guardrails are present. Bedroom egress windows likely present given window sizes, but bedrooms not individually shown. No smoke or carbon monoxide detectors are visible in interior photos (common HUD fail point). No obvious GFCI outlets shown at kitchen sink; outlet types near sink are not clearly visible. Gas fireplace exists (listing) — venting and condition not shown. Overall pass risk moderate: several NSPIRE safety items (smoke/CO detectors, GFCI) need confirmation/installation — these are usually quick fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof)",
"score": 65.0,
"rationale": "Major systems are not directly shown. Kitchen appliances (electric range, dishwasher) appear installed and in good cosmetic condition. No HVAC equipment, thermostat, water heater, electrical panel, or hot water supply are visible in photos. Roof edge/soffit shows some paint/trim deterioration and minor wear at the eaves; no active leaks or sagging observed. Given the home's age (1952), there is a moderate unknown risk to systems: HVAC and water heater operation must be verified; electrical panel condition and presence of required GFCI/AFCI protection unknown. These are potentially inspection-fail items only if nonfunctional or unsafe, but they can often be remedied within a short timeline."
},
{
"key": "exterior_site",
"label": "Exterior / Site",
"score": 75.0,
"rationale": "Exterior siding and porch look in good repair; driveway, carport, and detached two-car garage provide adequate parking and storage. Front yard is clean aside from leaf cover. A large tree at the front yard sits very close to the house/porch; this raises potential root/foundation and overhead limb risk to roof/gutters over time (visible proximity). Gutters/downspouts are not clearly visible; drainage away from foundation not confirmed. No obvious pest infestation or standing water seen. Minor exterior maintenance recommended (fascia paint, gutter check, tree assessment)."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos — common inspection failure if absent.",
"Major systems (HVAC, water heater, electrical panel) not documented in photos — operational failures here would be inspection-fail items.",
"Large tree located immediately adjacent to the house/porch (root/roof risk) — potential long-term foundation or roof hazard that should be assessed.",
"Some fascia / soffit paint and edge wear at roofline visible — may indicate deferred roof edge maintenance that should be inspected."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC and hot water heater are present in the home but were not visible in the provided photos; their operational status is unknown.",
"Smoke detectors and carbon monoxide detectors are not visible in the photos and are assumed not to be confirmed — installation/verification will be required if absent.",
"Electrical panel, circuit labeling, and presence of GFCI/AFCI protection are not shown and assumed to be unverified; GFCI required at kitchen and bathrooms if not present.",
"Fridge is not visible in the photos; assume either provided but not shown or will need to be supplied. Missing fridge reduces readiness moderately but not catastrophically.",
"No interior evidence of active roof leaks, mold, or major water intrusion — assumption based on absence of stains, peeling paint or visible mold in interior photos.",
"Bedroom egress windows are assumed adequate based on visible window sizes, but individual bedroom window inspections required to confirm compliance."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This single-family property appears largely rent-ready with only minor repairs and verifications needed for an initial HCV/NSPIRE inspection. The interior and exterior are tidy and well-maintained cosmetically; kitchen appliances (range and dishwasher) and plumbing fixtures are present. Primary inspection risks are verification-type items that are not visible in the photos: functioning smoke and carbon monoxide alarms, GFCI protection in kitchen and baths, the electrical panel condition, and confirmation that HVAC and water heater are operational. The roof fascia shows some wear that should be addressed. Overall likely to pass after quick verifications and small repairs (1–4 weeks) unless unseen system failures are discovered on-site.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained cosmetic condition: freshly painted cabinets, intact countertops, updated-looking flooring, carpets in good condition, and functioning kitchen appliances (electric range and dishwasher visible). Front porch and railing are intact and painted. Minor deferred items observed: small areas of peeling paint at the roof/fascia edge and some weathering on trim under the porch. No visible collapsed ceilings, large holes, or exposed subfloor. Missing refrigerator is not evident in photos but is not treated here as an inspection-fail. Overall, mostly cosmetics and minor repairs only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No visible exposed wiring, no visible broken stairs, guardrails on the porch are present, entry door appears to have a secure lockset (photo shows a deadbolt-style lock). No signs of active water intrusion or visible mold. Key safety items are unverified from photos: smoke alarms and carbon-monoxide alarms are not visible (NSPIRE requires smoke alarms in/near sleeping areas and on each level, CO alarms where fuel-burning appliances/gas heating present), GFCI protection at kitchen outlets is not clearly shown, and the electrical panel is not pictured. These unknowns reduce the score despite otherwise safe-looking conditions."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "Kitchen plumbing fixtures and appliances are present and appear to function (sink and dishwasher visible). There is no direct photo of the HVAC equipment, thermostat, water heater, or electrical panel. The roof shows some visible edge wear/peeling at the fascia soffit which may indicate aging shingles or trim needing attention; no active roof leaks or sagging observed in interior photos. Given the 1952 build date, systems may be older but the interior finish and appliances suggest recent maintenance. Because critical system components were not shown, moderate risk remains."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior photos show intact siding, covered carport, detached two-car garage and paved driveway. Front porch, railing, and ceiling fans appear serviceable. Yard is tidy though a large mature tree sits close to the house and driveway — this is common but is a potential long-term risk to roof/gutters/foundation and creates leaf/debris maintenance needs. Some trim/fascia paint peeling observed at roof edge. No standing water, major foundation cracks, or obvious infestation evidence visible."
}
],
"red_flags": [
"Smoke and carbon-monoxide alarms are not visible in images — missing or improperly located detectors would cause inspection failure.",
"GFCI protection in kitchen/bathrooms not verifiable from photos — lack of GFCI outlets where required could cause inspector fail.",
"Peeling/deteriorated fascia/soffit at roof edge observed — may indicate roof/trim aging that should be addressed.",
"Large mature tree immediately adjacent to the driveway/house — potential risk to roof, gutters, and foundation over time; inspect roots and roof after storm events."
],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and carbon-monoxide alarms are not visible in photos — assume they may be present but need verification and replacement if missing or non-compliant with NSPIRE placement requirements.",
"Central heating & cooling system exists and is operational (not shown) based on typical construction and interior condition; recommend verification service record or on-site functional test.",
"Electrical panel, circuit labeling, and GFCI protection are not shown; assumed typical for a maintained home but require on-site verification.",
"No active roof leaks are visible inside; exterior fascia/soffit wear is cosmetic but could indicate older shingles — assume roof is aged but not actively failing without further evidence.",
"Hot water availability and water heater condition not shown; assume operational but require verification.",
"Absence of fridge in photos is treated as a non-critical item (missing appliances alone are not fatal to inspection)."
],
"overall_score": 75.0,
"rubric_version": "ns-2026-1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1020 Minor Dr, Birmingham, AL, 35224",
"aggregate": {
"summary": "This is a generally well‑maintained single‑family home with mostly cosmetic repairs only. The interior and exterior photos show clean, rent‑ready surfaces and functioning kitchen appliances (except a refrigerator is not pictured). The most important NSPIRE concerns are missing/undocumented smoke and carbon monoxide detectors (required, especially given the gas fireplace) and signs of aging at the roof fascia/soffit plus a large tree near the foundation. If detectors are installed and the roof/soffit are addressed as needed, the property would likely pass an initial HCV/NSPIRE inspection after minor fixes (1–30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 81.7,
"rationale": "Interior and exterior photos show a well-maintained cosmetic condition: freshly painted cabinets, clean countertops, intact flooring and carpet, and a tidy front porch. Minor deferred maintenance observed: peeling paint/soffit at the roof edge and some weathering at porch step/threshold. Kitchen appliances (range/oven, dishwasher) are present but refrigerator is not shown. Overall issues appear cosmetic/maintenance-level and easily corrected."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior siding and porch appear in good cosmetic condition; driveway, detached garage and carport provide adequate parking/storage. Front porch railings intact and porch surface looks sound. Moderate concerns: large mature tree sits very close to house (root/foundation risk and potential roof impact) and minor soffit/fascia peeling at roof edge. Yard is leaf-covered but not an immediate safety hazard."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 68.3,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, severe mold, or standing water). However, I do not see smoke detectors or carbon monoxide detectors in photos (required by NSPIRE). The property has a gas fireplace (listing text), which increases need for a working CO alarm and verified venting. Roof fascia/soffit peeling and a large tree very close to the foundation create inspection concerns that should be evaluated. Entry door looks solid but presence of a deadbolt is not confirmed. GFCI protection in kitchen/bath not visible in photos."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 66.7,
"rationale": "Major systems are not directly visible in photos. Kitchen appliances (electric range and dishwasher) appear serviceable. No visible signs of active water intrusion, plumbing failure, or damaged ceilings. Roof edge shows cosmetic deterioration that may indicate aging shingles and near‑term roof service; recommend roof inspection. Heating/cooling equipment and electrical panel/water heater are not shown — assumed present and functional but not verified."
}
],
"red_flags": [
"No visible smoke detectors in photos (required by NSPIRE).",
"No visible carbon monoxide detector in photos despite a gas fireplace (CO alarm required).",
"Peeling/deteriorating soffit/fascia and aging roof edge that may need repair or roof service.",
"Large mature tree directly adjacent to the house — potential foundation/roof risk from roots/limbs."
],
"confidence": 0.95,
"assumptions": [
"Central heating and cooling system, electrical panel, and water heater are present and functional though not visible in photos.",
"Bedrooms have legal egress windows (not pictured) consistent with a 1952 single‑family layout.",
"Smoke alarms and carbon monoxide alarms are not visible in photos and should be verified/installed; absence is treated as a risk.",
"No active roof leaks or interior water damage exist beyond the visible soffit/fascia deterioration; interior ceilings show no staining in provided photos.",
"The gas fireplace is operable as listed; proper venting and a CO detector are therefore required."
],
"score_method": "mean_of_criteria",
"overall_score": 73.5,
"rubric_version": "nsPIRE-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7227774277"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.