Property ID: 7228700850
1017 Rutledge Way, Fairfield, AL, 35064
Fairfield, AL
Money Down: $27,600
CoC Return: 6.17%
Monthly Cash Flow: $142
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
6.17%
Rent
$1,041
Monthly Cash Flow
$142
Annual Cash Flow
$1,702
Debt Service / Mo
$612
Property Tax / Mo
$94
Insurance / Mo
$89
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,041
Payment Standard
$1,584
Rent
$1,041
Insurance
$89
Property Tax
$94
Management
$104
Utilities Allowance
$543
NOI (Monthly)
$754
Debt Service
$612
Cash Flow After Debt
$142
Quality Score: 69.10%
Confidence: 85.00%
Property appears generally solid and likely able to pass an initial HCV/NSPIRE inspection after verification and completion of a few common items. Interior finishes and exterior envelope look serviceable with mostly cosmetic work expected. The primary unknowns are smoke/CO detectors, GFCI outlets, kitchen appliances and full verification of HVAC, water heater and electrical panel. With those verifications and small corrective items completed (install/verify detectors, GFCIs if missing, confirm appliances and systems), the unit is likely rent-ready within 30 days.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$543
Guaranteed Section 8 Rent (PS - Utilities)
$1,041
Property Management
$104
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,000
Beds
3
Baths
2
Living Area
1,538 sqft
Lot Size
13,068 sqft
Year Built
1956
Days on Market
4
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$94
Insurance / Mo
$89
Property Description
Welcome to this 3-bedroom, 2-full-bath home offering a functional layout and inviting living spaces in an established Fairfield neighborhood. The interior features a comfortable living room anchored by a fireplace, creating a warm focal point for everyday living, along with a dedicated dining area ideal for shared meals and gatherings. The kitchen flows conveniently into the main living spaces, while the bedrooms are well-proportioned and provide flexibility for family or guest. Outside, the property includes a covered carport, a fenced yard that adds privacy, and a patio suitable for outdoor seating or casual entertaining. With its practical features, outdoor amenities, and solid layout, this property presents an appealing opportunity for buyers looking to personalize a home and make it their own.
Utility Allowances
heating
$93
Selected 'Elec Heat: Ala Power' as the property features central heat, an electric water heater, and an electric dryer hookup, suggesting a primarily electric system. Alabama Power is the main regional provider.
cooling
$22
Selected 'A/C: Alabama Power' as the property has 'Central Air' which is electric. Alabama Power is the assumed provider.
water_heating
$56
Selected 'Elec: Ala Power' for water heating because the property data explicitly lists 'Electric Water Heater'.
cooking
$21
Selected 'Elec: Ala Power' for cooking. No stove is listed as provided, and an electric range is the most logical assumption given the home's other electric systems.
other_electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for general lighting and small appliance usage. Alabama Power is the assumed primary electric provider.
water
$78
Selected 'Water: Birmingham' as the property has public water. While the property is in Fairfield, 'Birmingham' is the most likely regional provider listed in the schedule.
sewer
$151
The property is explicitly stated as 'Sewer Connected'. The schedule provides a single fixed rate for sewer based on bedroom count.
trash_collection
$40
Selected 'Fairfield Inside City Limits (ISCL)' as the property is located in Fairfield, which is a direct match in the utility schedule.
refrigerator
$8
A refrigerator is not specified as being included with the property, so the tenant-owned allowance is applied.
range_microwave
$6
A range or microwave is not specified as being included with the property, so the tenant-owned allowance is applied.
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$902
DP3 Annual Estimate$1,233
DP1 Monthly Equivalent$75
DP3 Monthly Equivalent$103
Replacement Value$119,500
Basis1,538 sqft / 1956
Nearby Houses
Photo unavailable
1005 Rutledge Way
sold · 0.04 mi
Price: $65,200
3 bd / 2 ba · 1,650 sqft
Latest sale: $65,200 on Sep 25, 2019
Latest rent: —
Photo unavailable
1020 Hillandale Dr
sold · 0.04 mi
Price: $148,455
4 bd / 2 ba · 2,281 sqft
Latest sale: $148,455 on Jun 21, 2024
Latest rent: $1,250 on Mar 01, 2023
Photo unavailable
1024 Hillandale Dr
sold · 0.05 mi
Price: $159,000
3 bd / 2 ba · 1,434 sqft
Latest sale: $159,000 on Aug 23, 2023
Latest rent: —
Photo unavailable
909 Oakland Dr
for_sale · 0.06 mi
Price: $135,000
3 bd / 1 ba · 1,390 sqft
Latest sale: $54,500
Latest rent: —
Photo unavailable
1012 Rutledge Dr
sold · 0.07 mi
Price: $32,500
4 bd / 2 ba · 2,162 sqft
Latest sale: $32,500 on Sep 03, 2020
Latest rent: —
Photo unavailable
1021 Hillandale Dr
sold · 0.07 mi
Price: $75,900
3 bd / 1 ba · 1,140 sqft
Latest sale: $75,900 on Jun 20, 2025
Latest rent: —
Photo unavailable
1025 Hillandale Dr
sold · 0.08 mi
Price: $110,000
3 bd / 1 ba · 1,074 sqft
Latest sale: $110,000 on Dec 23, 2022
Latest rent: —
Photo unavailable
1013 Hillandale Dr
sold · 0.08 mi
Price: $33,000
3 bd / 1 ba · 1,036 sqft
Latest sale: $33,000 on Apr 12, 2019
Latest rent: $825 on Sep 30, 2019
Photo unavailable
1009 Hillandale Dr
sold · 0.09 mi
Price: $149,999
3 bd / 1 ba · 1,104 sqft
Latest sale: $149,999 on Sep 01, 2023
Latest rent: —
Photo unavailable
908 Oakland Dr
sold · 0.09 mi
Price: $78,000
3 bd / 1 ba · 1,434 sqft
Latest sale: $78,000 on Oct 31, 2024
Latest rent: $850 on Sep 10, 2018
Photo unavailable
400 11th Ave
sold · 0.10 mi
Price: $165,000
4 bd / 3 ba · 2,607 sqft
Latest sale: $165,000 on Mar 24, 2025
Latest rent: —
Photo unavailable
1040 Glen Oak Dr
sold · 0.11 mi
Price: $164,000
3 bd / 2 ba · 1,684 sqft
Latest sale: $164,000 on Sep 23, 2025
Latest rent: —
Photo unavailable
944 Hillandale Dr
sold · 0.13 mi
Price: $93,000
3 bd / 1 ba · 1,018 sqft
Latest sale: $93,000 on Mar 27, 2023
Latest rent: $1,200 on Apr 19, 2023
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in provided interior photos (NSPIRE requirement — likely needs install/verification).
- GFCI protection in kitchen/bathrooms not verifiable from photos (may require installation).
- Kitchen and major systems (water heater, electrical panel, furnace) not photographed — unknowns that require verification prior to inspection.
Assumptions
- Kitchen is functional but not shown; assume stove/fridge may be present but must be verified. Missing appliances would be moderate issue, not automatic fail.
- Central HVAC or forced-air system exists (floor/wall vents visible); a window AC unit is supplemental. Assume heating present but operational status unknown.
- No visible active roof leaks, major foundation movement, collapsed ceilings, or severe mold based on photos; assume none present but require on-site verification.
- Smoke detectors and CO alarms are not visible in photos; assume they may be missing or not correctly located and will need verification/installation.
- Electrical panel, water heater, and under-slab or crawlspace conditions not shown; assumed functional unless on-site inspection reveals otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,095 | $157,400 | $15,740 |
| 2023 | $1,019 | $143,900 | $14,400 |
| 2022 | $811 | $116,000 | $11,600 |
| 2021 | $723 | $104,100 | $10,420 |
| 2020 | $762 | $109,400 | $10,940 |
| 2019 | $762 | $109,400 | $10,940 |
| 2018 | $692 | $99,900 | $10,000 |
| 2017 | $692 | $99,900 | $10,000 |
| 2016 | $729 | $104,900 | $10,500 |
| 2015 | $729 | $104,900 | $10,500 |
| 2013 | $722 | $103,400 | $10,340 |
| 2012 | $722 | $103,420 | $10,342 |
| 2011 | $733 | $104,900 | $10,490 |
| 2010 | $733 | $104,900 | $10,490 |
| 2009 | $733 | $104,900 | $10,490 |
| 2008 | $750 | $107,200 | $10,720 |
| 2007 | $740 | $105,900 | $10,590 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-07-31 | Sold | $157,000 |
| 2022-08-12 | Sold | $150,000 |
| 2000-02-24 | Sold | $68,900 |
Photo Gallery
Show raw JSON (debug)
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"date": "2026-02-12",
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"date": "2022-07-13",
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{
"date": "2010-10-11",
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{
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"date": "2010-05-19",
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"note": "Selected 'Elec Heat: Ala Power' as the property features central heat, an electric water heater, and an electric dryer hookup, suggesting a primarily electric system. Alabama Power is the main regional provider.",
"utility": "heating",
"allowance": 93
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{
"note": "Selected 'A/C: Alabama Power' as the property has 'Central Air' which is electric. Alabama Power is the assumed provider.",
"utility": "cooling",
"allowance": 22
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{
"note": "Selected 'Elec: Ala Power' for water heating because the property data explicitly lists 'Electric Water Heater'.",
"utility": "water_heating",
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{
"note": "Selected 'Elec: Ala Power' for cooking. No stove is listed as provided, and an electric range is the most logical assumption given the home's other electric systems.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for general lighting and small appliance usage. Alabama Power is the assumed primary electric provider.",
"utility": "other_electric",
"allowance": 68
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{
"note": "Selected 'Water: Birmingham' as the property has public water. While the property is in Fairfield, 'Birmingham' is the most likely regional provider listed in the schedule.",
"utility": "water",
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{
"note": "The property is explicitly stated as 'Sewer Connected'. The schedule provides a single fixed rate for sewer based on bedroom count.",
"utility": "sewer",
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{
"note": "Selected 'Fairfield Inside City Limits (ISCL)' as the property is located in Fairfield, which is a direct match in the utility schedule.",
"utility": "trash_collection",
"allowance": 40
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{
"note": "A refrigerator is not specified as being included with the property, so the tenant-owned allowance is applied.",
"utility": "refrigerator",
"allowance": 8
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{
"note": "A range or microwave is not specified as being included with the property, so the tenant-owned allowance is applied.",
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"summary": "Property appears generally solid and likely able to pass an initial HCV/NSPIRE inspection after verification and completion of a few common items. Interior finishes and exterior envelope look serviceable with mostly cosmetic work expected. The primary unknowns are smoke/CO detectors, GFCI outlets, kitchen appliances and full verification of HVAC, water heater and electrical panel. With those verifications and small corrective items completed (install/verify detectors, GFCIs if missing, confirm appliances and systems), the unit is likely rent-ready within 30 days.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show generally intact finishes: hardwood floors in living/dining look in good condition, painted walls and baseboards present, closet doors intact and no visible drywall damage. Exterior photo shows intact siding/brick and carport structure. No obvious collapsed ceilings, severe water stains, or major deferred maintenance visible. Missing kitchen photos and lack of visible appliances create some uncertainty; missing fridge/stove would be moderate impact but not catastrophic. Overall condition appears minor repairs/cosmetic work only."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No visible exposed wiring, no collapsed ceilings, and floor vents are present. However, smoke detectors and carbon monoxide alarms are not visible in photos (likely needed), GFCI outlets in kitchen/bath not verifiable, and bedroom egress windows are not confirmed from available images. Entry door hardware/deadbolt not shown. No visible severe mold, major water intrusion, or active leaks. Given the lack of visible life‑threatening hazards but several unverified NSPIRE checkpoints, assign moderate risk requiring verification and likely minor fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Exterior and interior show a maintained roofline and foundation vents (crawlspace) without visible sagging. Wall/floor vents visible indicating central HVAC or forced air; a window AC is present in a rear room suggesting supplemental cooling. Water heater, electrical panel, and furnace are not shown so functionality is assumed but unconfirmed. No signs of active leaks or water damage visible. Systems likely functional but require verification (water heater, HVAC operation, electrical panel condition, hot water)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front elevation shows sound brick and siding, intact windows and shutters, and a covered carport. The yard is sloped and appears dry/overgrown with leaves which may indicate minor drainage concerns; driveway and walk to carport look serviceable. Foundation vents suggest crawlspace access. Fencing mentioned in description (not fully visible) — likely present. No visible standing water, major foundation cracks, or pest infestation evidence in provided photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in provided interior photos (NSPIRE requirement — likely needs install/verification).",
"GFCI protection in kitchen/bathrooms not verifiable from photos (may require installation).",
"Kitchen and major systems (water heater, electrical panel, furnace) not photographed — unknowns that require verification prior to inspection."
],
"confidence": 0.6,
"assumptions": [
"Kitchen is functional but not shown; assume stove/fridge may be present but must be verified. Missing appliances would be moderate issue, not automatic fail.",
"Central HVAC or forced-air system exists (floor/wall vents visible); a window AC unit is supplemental. Assume heating present but operational status unknown.",
"No visible active roof leaks, major foundation movement, collapsed ceilings, or severe mold based on photos; assume none present but require on-site verification.",
"Smoke detectors and CO alarms are not visible in photos; assume they may be missing or not correctly located and will need verification/installation.",
"Electrical panel, water heater, and under-slab or crawlspace conditions not shown; assumed functional unless on-site inspection reveals otherwise."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/2BA ranch appears structurally intact and primarily needs minor, primarily cosmetic and safety-compliance work before passing an initial HCV/NSPIRE inspection. The interior finishes and exterior envelope look serviceable; likely fixes before move-in are installation/verification of smoke and CO detectors, confirmation/installation of GFCI protection in kitchen/bath, verification of working heating and hot water, and addressing any missing appliances. Expect to be rent-ready within 2–4 weeks after addressing the above items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 78.0,
"rationale": "Interior photos show intact hardwood floors, painted walls and trim in serviceable condition and no visible major damage. Exterior photo shows an intact facade, carport and fenced yard. Observed minor cosmetic wear (scuffs on walls, older trim/fixtures). Listing/photos do not show kitchen appliances — missing or un photographed stove/fridge would be an easy-to-fix item but reduces turnkey readiness moderately. No visible collapsed finishes or subfloor. Overall mostly cosmetic with moderate small repairs likely."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the provided interior photos (required). No visible exposed wiring or obvious electrical hazards. Floor vents and window AC visible but presence/operation of a central thermostat, furnace and hot water cannot be fully confirmed. Egress windows appear typical for a ranch; doors and windows look intact but deadbolt presence/operation not verified. GFCI outlets in kitchen/bath are not visible in photos. No signs of active leaks, severe mold or structural collapse. Because key life-safety items (smoke/CO detectors, GFCI verification) are unconfirmed, safety risk is moderate but remediable."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 70.0,
"rationale": "Exterior roofline appears straight with no visible sagging or active leak staining; foundation vents present indicating crawlspace. Interior shows floor registers indicating a ducted heating/cooling system is likely present; a window AC is also visible suggesting supplemental cooling. Water heater and electrical panel were not shown. No visible signs of active plumbing failure. Because major systems are not fully documented in photos, score is cautious but leans positive based on vents and intact roofline."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and safety",
"score": 76.0,
"rationale": "Front yard and lot show typical slope but clear walkways to the carport; siding and brick appear intact with no obvious large gaps or collapse. Fenced yard and covered carport are positives for tenant use. Driveway, walk, and steps are visible and generally serviceable; front steps appear to lack a handrail (may or may not require one depending on riser count). No visible standing water, large erosion, or pest infestation in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos (life-safety item).",
"Built 1956 — potential lead-based paint hazard (age indicates risk; condition of paint must be verified).",
"No visible GFCI outlets in kitchen/bath areas from provided photos (required for safety).",
"Front entry steps appear to lack a handrail — may be a code/inspection issue depending on riser count."
],
"confidence": 0.6,
"assumptions": [
"Photos show representative condition of the main living areas and front exterior; other rooms, mechanicals and utility areas not photographed may have similar condition.",
"A ducted heating/cooling system is present (floor register visible); window AC likely supplemental. Furnace/AC operation and water heater condition were not observed and are assumed serviceable until tested.",
"Electrical panel exists and is intact but was not photographed; no exposed wiring seen in photos.",
"Kitchen appliances (stove/refrigerator) are not visible in photos; assume they may be missing or not pictured and would be an easy-to-fix capital item.",
"No visible signs of active roof leaks, major foundation movement, collapsed ceilings, or severe mold in provided photos; assume none present unless discovered on full inspection.",
"Built in 1956 — likely contains lead-based paint risk by age, but no peeling/chalking lead-risk paint was observed in the photos supplied."
],
"overall_score": 72.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "This property appears broadly rent-ready with mostly cosmetic and capital items to address. Interior finishes and exterior envelope look serviceable. Primary inspection risks are missing/unknown smoke and CO detectors, unconfirmed GFCI protection and unknown status of major mechanicals (HVAC and water heater). Expect minor repairs and safety-device installations; allow 1–4 weeks to prepare for a Housing Choice Voucher (NSPIRE) inspection if systems are operational. If HVAC or water heater require replacement or if lead-paint mitigation is needed, timeline and cost increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior photos show generally intact finishes: solid-looking hardwood floors, intact baseboards, painted walls and functioning light fixtures (dining chandelier). Exterior photos show a complete facade, carport and fenced yard. No visible collapsed surfaces, major staining, or large drywall/ceiling damage. Missing kitchen/bath photos and absence of shown appliances reduce certainty; missing or older kitchen appliances likely but are a capital/replaceable item. Overall condition suggests minor cosmetic repairs, paint touch-ups, possible appliance replacement and routine maintenance."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risks",
"score": 60.0,
"rationale": "No visible exposed wiring, sagging ceilings, active leaks, or obvious structural failures in provided photos. However smoke detectors and carbon monoxide alarms are not visible in interior photos (common cause of initial fails), and GFCI outlets in kitchen/bath locations cannot be confirmed. Bedroom egress appears likely from front windows but bedroom photos are not shown. Entry appears to have a secure door and carport/porch railings look present, but handrail adequacy and stair safety cannot be fully confirmed. Built in 1956 — lead-paint risk present that triggers additional tenant disclosure/mitigation requirements. Given unknowns on detectors, GFCIs and window egress confirmation, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 55.0,
"rationale": "Visible floor vent suggests ducted HVAC or forced-air heating; a window AC unit is visible in a rear room which could indicate either supplemental cooling or lack of central cooling. The heating, central AC, water heater, and electrical panel are not shown and could not be verified. Roof appears intact from front elevation no obvious sag or major failure visible, but detailed roof, attic, plumbing, and water-heater condition are unknown. Because major systems presence is plausible but unconfirmed and could require service, score reflects moderate uncertainty and potential need for repair/replacement."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior shows an intact brick-and-siding facade, covered carport with supports, fenced yard and paved driveway. Foundation vents are present; no visible large foundation cracks, standing water, or collapsed elements in the provided image. Yard is sloped but appears stable; walkways and entry appear serviceable. Some cosmetic weathering of siding/paint likely given age, but no severe exterior neglect visible."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (common cause of initial fail).",
"Major mechanicals (HVAC, water heater, electrical panel) not shown or verified — possible fail if nonfunctional.",
"Lead-based paint risk due to 1956 construction (requires disclosure/mitigation)."
],
"confidence": 0.6,
"assumptions": [
"Kitchen and bathrooms not photographed — assume typical mid-century fixtures that may be functional but could need minor updates or appliance replacement.",
"Presence of a floor vent implies some form of ducted heating (furnace) but central cooling may be absent or supplemented (window AC seen).",
"No smoke or carbon monoxide detectors were visible in photos; assume they are not installed or not obviously visible and should be confirmed/installed.",
"Roof appears visually intact from front elevation; assume no major active roof leaks unless interior stains or seller disclosures indicate otherwise.",
"No rental history in last 5 years (per snapshot), so rental_history_activity not applied to score.",
"Property built in 1956 — assume lead-based paint risk and required tenant disclosures and potential remediation if disturbed."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1017 Rutledge Way, Fairfield, AL, 35064",
"aggregate": {
"summary": "Property appears generally solid and likely able to pass an initial HCV/NSPIRE inspection after verification and completion of a few common items. Interior finishes and exterior envelope look serviceable with mostly cosmetic work expected. The primary unknowns are smoke/CO detectors, GFCI outlets, kitchen appliances and full verification of HVAC, water heater and electrical panel. With those verifications and small corrective items completed (install/verify detectors, GFCIs if missing, confirm appliances and systems), the unit is likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.3,
"rationale": "Interior photos show generally intact finishes: hardwood floors in living/dining look in good condition, painted walls and baseboards present, closet doors intact and no visible drywall damage. Exterior photo shows intact siding/brick and carport structure. No obvious collapsed ceilings, severe water stains, or major deferred maintenance visible. Missing kitchen photos and lack of visible appliances create some uncertainty; missing fridge/stove would be moderate impact but not catastrophic. Overall condition appears minor repairs/cosmetic work only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.7,
"rationale": "Front elevation shows sound brick and siding, intact windows and shutters, and a covered carport. The yard is sloped and appears dry/overgrown with leaves which may indicate minor drainage concerns; driveway and walk to carport look serviceable. Foundation vents suggest crawlspace access. Fencing mentioned in description (not fully visible) — likely present. No visible standing water, major foundation cracks, or pest infestation evidence in provided photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 63.3,
"rationale": "No visible exposed wiring, no collapsed ceilings, and floor vents are present. However, smoke detectors and carbon monoxide alarms are not visible in photos (likely needed), GFCI outlets in kitchen/bath not verifiable, and bedroom egress windows are not confirmed from available images. Entry door hardware/deadbolt not shown. No visible severe mold, major water intrusion, or active leaks. Given the lack of visible life‑threatening hazards but several unverified NSPIRE checkpoints, assign moderate risk requiring verification and likely minor fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Exterior and interior show a maintained roofline and foundation vents (crawlspace) without visible sagging. Wall/floor vents visible indicating central HVAC or forced air; a window AC is present in a rear room suggesting supplemental cooling. Water heater, electrical panel, and furnace are not shown so functionality is assumed but unconfirmed. No signs of active leaks or water damage visible. Systems likely functional but require verification (water heater, HVAC operation, electrical panel condition, hot water)."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in provided interior photos (NSPIRE requirement — likely needs install/verification).",
"GFCI protection in kitchen/bathrooms not verifiable from photos (may require installation).",
"Kitchen and major systems (water heater, electrical panel, furnace) not photographed — unknowns that require verification prior to inspection."
],
"confidence": 0.85,
"assumptions": [
"Kitchen is functional but not shown; assume stove/fridge may be present but must be verified. Missing appliances would be moderate issue, not automatic fail.",
"Central HVAC or forced-air system exists (floor/wall vents visible); a window AC unit is supplemental. Assume heating present but operational status unknown.",
"No visible active roof leaks, major foundation movement, collapsed ceilings, or severe mold based on photos; assume none present but require on-site verification.",
"Smoke detectors and CO alarms are not visible in photos; assume they may be missing or not correctly located and will need verification/installation.",
"Electrical panel, water heater, and under-slab or crawlspace conditions not shown; assumed functional unless on-site inspection reveals otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 69.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7228700850"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.