Property ID: 7230675945
4829 Avenue S, Birmingham, AL, 35208
Birmingham, AL
Money Down: $18,720
CoC Return: 24.03%
Monthly Cash Flow: $375
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,600
Closing Costs
$3,120
Total Down
$18,720
Investment Snapshot
Purchase Price
$78,000
Money Down
$18,720
Cash-on-Cash Return
24.03%
Rent
$1,035
Monthly Cash Flow
$375
Annual Cash Flow
$4,498
Debt Service / Mo
$415
Property Tax / Mo
$85
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,035
Payment Standard
$1,474
Rent
$1,035
Insurance
$56
Property Tax
$85
Management
$104
Utilities Allowance
$439
NOI (Monthly)
$790
Debt Service
$415
Cash Flow After Debt
$375
Quality Score: 67.50%
Confidence: 88.00%
Based on the single exterior photo and listing, the property appears moderately well maintained at the exterior and likely requires only minor-to-moderate repairs to meet NSPIRE for a HCV move-in. Primary unknowns (smoke/CO detectors, GFCI, HVAC operation, hot water, electrical panel, interior condition and potential lead-paint issues due to 1920 construction) could produce inspection items. Estimated overall readiness: likely rent-ready within ~30 days with typical minor repairs and verification/updates to safety items.
Section 8 Payment Standard
$1,474
Utility Allowance Total
$439
Guaranteed Section 8 Rent (PS - Utilities)
$1,035
Property Management
$104
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$78,000
Beds
3
Baths
1
Living Area
1,247 sqft
Lot Size
7,405 sqft
Year Built
1920
Days on Market
175
Capital Outlay
$18,720
Debt Service
$415
Property Tax / Mo
$85
Insurance / Mo
$56
Property Description
This property presents a strong investment opportunity with an occupied unit generating $810 per month in rental income. The tenant is in place and must not be disturbed; therefore, all showings require a 24-hour notice and must be explicitly confirmed with the listing agent before proceeding. The property is being sold in its current, as-is condition.
Utility Allowances
Heating
$38
Property details indicate a 'Gas Water Heater' and 'Central' heating, suggesting natural gas. 'Spire' is a primary provider in the area and was selected. The allowance is for the 3-bedroom rate.
Cooling
$22
Property details list 'Central Air'. 'Alabama Power' is the main electricity provider for Birmingham and was selected. The allowance is for the 3-bedroom rate.
Cooking
$21
Property details explicitly state 'Stove-Electric'. 'Alabama Power' was selected as the provider. The allowance is for the 3-bedroom rate.
Water Heating
$35
Property details explicitly list a 'Gas Water Heater'. 'Spire' was selected as the gas provider. The allowance is for the 3-bedroom rate.
Other Electric (Lights & Appliances)
$68
This covers baseline electric usage for lights and other tenant appliances. 'Alabama Power' was selected as the provider. The allowance is for the 3-bedroom rate and includes the use of the landlord-provided refrigerator.
Water
$78
Property details list 'Public Water'. 'Water: Birmingham' was selected as the most appropriate option for the property's location. The allowance is for the 3-bedroom rate.
Sewer
$151
Property details state 'Sewer: Connected'. The schedule provides a fixed rate for a 3-bedroom unit.
Trash Collection
$20
The property is in Birmingham (Jefferson County). The 'Jefferson City (Once per week)' option was selected as the most applicable. The allowance is fixed for all bedroom sizes.
Refrigerator
$0
The property listing confirms a refrigerator is provided by the landlord, so there is no tenant allowance for this appliance.
Range/Microwave
$6
The property does not mention a microwave being provided. This allowance is for a tenant-owned microwave, based on the fixed rate in 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$536
DP3 Annual Estimate$808
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$67
Replacement Value$53,600
Basis1,247 sqft / 1920
Nearby Houses
Photo unavailable
4828 Avenue S
sold · 0.04 mi
Price: $38,000
3 bd / 2 ba · 1,376 sqft
Latest sale: $38,000 on Jun 16, 2021
Latest rent: $800 on Mar 16, 2018
Photo unavailable
4832 Avenue S
sold · 0.04 mi
Price: $50,000
3 bd / 2 ba · 1,374 sqft
Latest sale: $50,000 on Dec 28, 2022
Latest rent: —
Photo unavailable
4816 Court S
for_sale · 0.04 mi
Price: $105,000
3 bd / 1 ba · 1,402 sqft
Latest sale: $98,500
Latest rent: —
Photo unavailable
4845 Court S
sold · 0.08 mi
Price: $8,500
4 bd / 1 ba · 1,220 sqft
Latest sale: $8,500 on Nov 01, 1974
Latest rent: —
Photo unavailable
4801 Court S
off_market · 0.09 mi
Price: $89,000
3 bd / 2 ba · 1,269 sqft
Latest sale: $54,900 on Sep 01, 1996
Latest rent: —
Photo unavailable
4832 Terrace S
sold · 0.10 mi
Price: $60,000
3 bd / 1 ba · 1,388 sqft
Latest sale: $60,000 on May 18, 2023
Latest rent: —
Photo unavailable
4828 Terrace R
for_sale · 0.11 mi
Price: $127,000
3 bd / 1 ba · 1,844 sqft
Latest sale: $12,500 on Nov 05, 2019
Latest rent: $1,199 on Apr 07, 2022
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior condition is average for an occupied rental and not severely distressed (no collapsed ceilings, no active leaks), because exterior appears maintained.
- Basic appliances/heating/cooling are present and functioning but their age/condition are unknown.
- Smoke and carbon monoxide detectors, GFCI protection, and required egress windows are unverified and may need installation or servicing.
- No visible exterior structural failure (roof sagging, foundation movement) from front photo; full perimeter not seen.
- Listing statement that unit is occupied and producing income is accurate and indicates recent rental activity.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $996 | $68,700 | $13,740 |
| 2023 | $1,461 | $100,800 | $20,160 |
| 2022 | $1,117 | $77,100 | $15,420 |
| 2021 | $1,117 | $77,100 | $15,420 |
| 2020 | $1,117 | $77,100 | $15,420 |
| 2019 | $1,117 | $77,100 | $15,420 |
| 2018 | $955 | $65,900 | $13,180 |
| 2017 | $955 | $65,900 | $13,180 |
| 2016 | $848 | $58,500 | $11,700 |
| 2015 | $955 | $65,900 | $13,180 |
| 2013 | $918 | $65,000 | $13,000 |
| 2012 | $850 | $60,050 | $12,010 |
| 2011 | $861 | $60,900 | $12,180 |
| 2009 | $861 | $60,900 | $12,180 |
| 2008 | $880 | $62,300 | $12,460 |
| 2007 | $843 | $59,600 | $11,920 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-05-22 | Sold | $67,000 |
| 2016-02-15 | Sold | $54,900 |
| 2015-10-20 | Sold | $27,750 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2016-01-21 | Listed for rent | $750 | — |
Photo Gallery
Show raw JSON (debug)
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"last_status_change_date": "2006-10-19T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 4000,
"days_after_listed": "69 days",
"source_listing_id": "309758",
"price_change_percentage": "+10.81%"
},
{
"date": "2006-08-11",
"price": 37000,
"listing": {
"status": "sold",
"list_date": "2006-08-11T07:00:00Z",
"list_price": 37000,
"listing_id": "542146107",
"last_update_date": "2006-11-15T00:06:22Z",
"last_status_change_date": "2006-10-19T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "309758",
"price_change_percentage": "-33.93%"
},
{
"date": "2002-02-14",
"price": 56000,
"listing": null,
"event_name": "Sold",
"price_sqft": 44.90777866880513,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1991-10-14",
"price": 36480,
"listing": null,
"event_name": "Sold",
"price_sqft": 29.254210104250202,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1986-04-01",
"price": 32500,
"listing": null,
"event_name": "Sold",
"price_sqft": 26.062550120288694,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7230675945",
"generated_at": "2026-02-16T02:36:51.916919Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.5
},
"utility_allowance": {
"zip_code": "35208",
"home_photo": "https://ap.rdcpix.com/58de69bfd717ba6dde4634484bc44d03l-m3631425760s-w1280.jpg",
"rent_price": 1035.0,
"loan_amount": 62400.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4829-Avenue-S_Birmingham_AL_35208_M72306-75945",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 78000.0,
"loan_term_years": 30,
"annual_cash_flow": 9480.12,
"mortgage_monthly": 415.15,
"payment_standard": 1474.0,
"total_amount_out": 15600.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 56.0,
"monthly_cash_flow": 790.01,
"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 details indicate a 'Gas Water Heater' and 'Central' heating, suggesting natural gas. 'Spire' is a primary provider in the area and was selected. The allowance is for the 3-bedroom rate.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property details list 'Central Air'. 'Alabama Power' is the main electricity provider for Birmingham and was selected. The allowance is for the 3-bedroom rate.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property details explicitly state 'Stove-Electric'. 'Alabama Power' was selected as the provider. The allowance is for the 3-bedroom rate.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property details explicitly list a 'Gas Water Heater'. 'Spire' was selected as the gas provider. The allowance is for the 3-bedroom rate.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "This covers baseline electric usage for lights and other tenant appliances. 'Alabama Power' was selected as the provider. The allowance is for the 3-bedroom rate and includes the use of the landlord-provided refrigerator.",
"utility": "Other Electric (Lights & Appliances)",
"allowance": 68
},
{
"note": "Property details list 'Public Water'. 'Water: Birmingham' was selected as the most appropriate option for the property's location. The allowance is for the 3-bedroom rate.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details state 'Sewer: Connected'. The schedule provides a fixed rate for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is in Birmingham (Jefferson County). The 'Jefferson City (Once per week)' option was selected as the most applicable. The allowance is fixed for all bedroom sizes.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property listing confirms a refrigerator is provided by the landlord, so there is no tenant allowance for this appliance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property does not mention a microwave being provided. This allowance is for a tenant-owned microwave, based on the fixed rate in the schedule.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.61,
"down_payment_amount": 15600.0,
"property_tax_annual": 1025.88,
"property_tax_monthly": 85.49,
"property_tax_increase": 0.03,
"utility_allowance_total": 439.0,
"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": 4498.33,
"property_management_monthly": 103.5,
"monthly_cash_flow_after_debt": 374.86,
"cash_on_cash_return_after_debt": 0.29
},
"section8_assessment": {
"runs": [
{
"summary": "Based on the single exterior photo and listing, the property appears moderately well maintained at the exterior and likely requires only minor-to-moderate repairs to meet NSPIRE for a HCV move-in. Primary unknowns (smoke/CO detectors, GFCI, HVAC operation, hot water, electrical panel, interior condition and potential lead-paint issues due to 1920 construction) could produce inspection items. Estimated overall readiness: likely rent-ready within ~30 days with typical minor repairs and verification/updates to safety items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photo shows an intact front façade, porch, windows and door with minimal visible cosmetic damage. Property is sold 'as-is' and tenant is in place which increases uncertainty about interior wear. No interior photos to confirm flooring, cabinets, drywall or appliances; missing appliances are not confirmed. Given visible reasonable exterior maintenance but unknown interior condition, estimate moderate/minor repair needs (cosmetic and possible appliance/fixture replacements)."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 60.0,
"rationale": "No obvious life‑threatening exterior hazards visible (no collapsed ceilings, no visible structural sagging, no standing water). From the photo there is no exposed wiring, entry looks secure and rooflines appear intact. However critical NSPIRE items cannot be confirmed from the single exterior image: presence and placement of smoke/CO detectors, GFCI in kitchen/bath, functioning plumbing/hot water, adequate bedroom egress, interior trip hazards, and lead‑paint condition given 1920 build date. These unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 55.0,
"rationale": "Roof profile appears intact from the front with no visible sagging or active leaks. No HVAC equipment or condensers are visible in the photo; heating/cooling, water heater and electrical panel condition are unconfirmed. For a rented home producing income it is likely basic systems are present, but age (1920) raises probability of older plumbing/electrical components needing service or upgrades. Estimate moderate system risk and potential need for repairs or replacement."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Front yard, walkway and porch appear serviceable and safe in the sole photo. Siding and brick porch columns look in good condition, gutters/downspout visible on right. No visible major foundation cracks, collapsed walkways, or overgrown vegetation. Overall exterior/site condition from available view suggests low immediate risk."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.45,
"assumptions": [
"Interior condition is average for an occupied rental and not severely distressed (no collapsed ceilings, no active leaks), because exterior appears maintained.",
"Basic appliances/heating/cooling are present and functioning but their age/condition are unknown.",
"Smoke and carbon monoxide detectors, GFCI protection, and required egress windows are unverified and may need installation or servicing.",
"No visible exterior structural failure (roof sagging, foundation movement) from front photo; full perimeter not seen.",
"Listing statement that unit is occupied and producing income is accurate and indicates recent rental activity."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "From the single exterior photo and listing text, the property appears structurally sound at the front elevation with maintained exterior and no visible major hazards. Important NSPIRE and mechanical items (smoke/CO detectors, GFCI, electrical panel, HVAC, water heater, interior condition, appliance status) are unverified because the unit is tenant-occupied and interior photos are not provided. Expect mostly minor-to-moderate repairs and safety upgrades typical for a 1920s house; likely passable with 1–4 weeks of targeted fixes if interior systems are functional, or up to ~30 days if some mechanical updates are needed. Tenant in place and active rent history is a positive factor for rental viability.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Exterior front façade, porch, siding and windows appear intact and recently painted; no visible major exterior deferred maintenance. Property is sold 'as-is' and interior condition is unknown; older 1920 construction implies likely cosmetic and age-related interior repairs (flooring, trim, paint, minor plumbing/electrical updates). Missing interior photos and tenant-occupied status prevent confirmation of appliance condition; missing appliances would be a moderate deduction but not an automatic fail. Overall likely minor-to-moderate repairs needed, mostly cosmetic/capital."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No visible life-threatening hazards from exterior photo: roofline appears straight, porch structure looks sound, no visible sagging or collapsed elements. However critical NSPIRE items cannot be verified from photos (smoke/CO detectors, GFCI outlets, electrical panel condition, hot water, egress details, presence of working deadbolt). Age of home (1920) raises likelihood of older electrical/plumbing without modern safety upgrades. Because no active hazards are observed but many required items are unverified, assign a conservative mid-high score with inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 62.0,
"rationale": "Roof visible from front looks intact with no obvious active leaks or major failure. No exterior HVAC equipment is visible in the provided photo; mechanical systems (HVAC, water heater, electrical service, plumbing) cannot be confirmed. Given the age of the property, expect some system updates may be required (HVAC efficiency, electrical grounding/GFCI, water heater). No visible evidence of catastrophic system failure, but unknowns warrant a conservative score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Yard and walkway appear maintained; siding, foundation skirt and front porch masonry look in good condition in the photo. Driveway/walkway appears serviceable. No visible standing water, severe landscaping overgrowth, or pest infestation evidence in the provided image. Overall exterior & site presentable and low risk from the single front photo."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior condition, presence of smoke/CO detectors, and appliance condition are unknown because only an exterior photo and 'occupied' listing text were provided.",
"No visible exterior sagging, roof failure, or standing water was observed in the provided front photo; assume roof and foundation are serviceable absent interior/closer inspection evidence.",
"Because the house was built in 1920, assume some original systems have likely been updated but may still require electrical/plumbing or HVAC improvements.",
"Rental_history_activity treated as a +5 point overall bonus because listing states the unit is currently occupied and generating rent; rental history data field otherwise showed no recorded events in the last 5 years.",
"No allowance was made for interior pest, mold, or lead-based paint hazards beyond standard caution given age of construction; these would downgrade score if found."
],
"overall_score": 74.0,
"rubric_version": "1.0"
},
{
"summary": "Based on the single front exterior photo and listing text, the property presents as a reasonably maintained 3-bed single-family with an intact exterior, straight roofline, functioning exterior lighting and a current tenant — making it likely to pass initial Section 8 (HCV/NSPIRE) inspection after minor repairs or verification steps. Primary unknowns are interior life-safety items (smoke/CO detectors, GFCI), condition of HVAC/plumbing/electrical panels, and potential lead-based paint risk due to 1920 construction. Expect moderate preparatory work (cosmetic and verification) but no evidence of structural or life-threatening failures from the provided materials.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior front elevation appears well maintained: intact siding, painted brick porch columns, entry door and windows look intact and weather-tight. No visible exterior rot or collapsed elements. Property is sold 'as-is' and is tenant-occupied which increases chance of interior wear and deferred cosmetic issues not shown in photos (carpeting, paint, minor fixtures). Missing interior/fixture photos prevent confirmation of kitchen/bath appliance condition but absence of visible major damage supports a moderate-good score. Missing appliances (if any) would moderately reduce readiness but are not visible."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 65.0,
"rationale": "No obvious life-safety exterior hazards visible: porch rail appears low but present, walkway to door clear, exterior lighting present at entry. Roofline appears straight with no visible sagging or active leaks. However critical NSPIRE items (smoke/CO detectors, GFCI outlets in kitchen/bath, egress window clearances, deadbolt presence, interior exposed wiring, plumbing/hot water) cannot be confirmed from the single exterior photo. Property built in 1920 raises potential for lead-based paint/peeling paint risk that must be checked. Because no visible severe hazards are present, score is moderate-high but reduced for unknown interior safety items."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof visually intact from the front with no visible sagging or missing large areas. No HVAC equipment (outdoor condensing unit) is visible in the photo; interior heating/cooling, water heater, electrical panel and plumbing conditions cannot be verified. Tenant occupancy and functioning entry lighting suggest utilities are active, but age of house (1920) increases likelihood of older systems needing servicing or replacement. Given good looking roof and active occupancy, systems are judged to be functional but carry moderate uncertainty and risk of near-term repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Front yard, porch and driveway appear serviceable and free of major trip hazards. Siding and foundation visible at front look intact with no large cracks or separation evident. Downspout is present which suggests drainage consideration; no standing water or obvious erosion seen. Modest curb appeal and maintained lawn lower time-to-rent. Limited site photos prevent assessment of rear yard, side egress, or evidence of infestation."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Occupancy (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior condition (floors, walls, ceilings, appliances, detectors) not visible; assumed typical tenant-occupied wear rather than severe damage unless otherwise disclosed.",
"Utilities (electric, water, HVAC) are active because the unit is occupied and exterior lights are functional.",
"No visible roof sagging or active exterior water intrusion from front photo; assume roof is serviceable but age may require inspection.",
"Listing statement about an occupied unit and rental income is taken as current and valid despite snapshot rental_history_last_5y showing zero events.",
"No visible peeling paint from the photo, but 1920 construction implies a lead-based paint risk that requires inspection/abatement if applicable."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4829 Avenue S, Birmingham, AL, 35208",
"aggregate": {
"summary": "Based on the single exterior photo and listing, the property appears moderately well maintained at the exterior and likely requires only minor-to-moderate repairs to meet NSPIRE for a HCV move-in. Primary unknowns (smoke/CO detectors, GFCI, HVAC operation, hot water, electrical panel, interior condition and potential lead-paint issues due to 1920 construction) could produce inspection items. Estimated overall readiness: likely rent-ready within ~30 days with typical minor repairs and verification/updates to safety items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.7,
"rationale": "Exterior photo shows an intact front façade, porch, windows and door with minimal visible cosmetic damage. Property is sold 'as-is' and tenant is in place which increases uncertainty about interior wear. No interior photos to confirm flooring, cabinets, drywall or appliances; missing appliances are not confirmed. Given visible reasonable exterior maintenance but unknown interior condition, estimate moderate/minor repair needs (cosmetic and possible appliance/fixture replacements)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Front yard, walkway and porch appear serviceable and safe in the sole photo. Siding and brick porch columns look in good condition, gutters/downspout visible on right. No visible major foundation cracks, collapsed walkways, or overgrown vegetation. Overall exterior/site condition from available view suggests low immediate risk."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 63.3,
"rationale": "No obvious life‑threatening exterior hazards visible (no collapsed ceilings, no visible structural sagging, no standing water). From the photo there is no exposed wiring, entry looks secure and rooflines appear intact. However critical NSPIRE items cannot be confirmed from the single exterior image: presence and placement of smoke/CO detectors, GFCI in kitchen/bath, functioning plumbing/hot water, adequate bedroom egress, interior trip hazards, and lead‑paint condition given 1920 build date. These unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 59.0,
"rationale": "Roof profile appears intact from the front with no visible sagging or active leaks. No HVAC equipment or condensers are visible in the photo; heating/cooling, water heater and electrical panel condition are unconfirmed. For a rented home producing income it is likely basic systems are present, but age (1920) raises probability of older plumbing/electrical components needing service or upgrades. Estimate moderate system risk and potential need for repairs or replacement."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"Interior condition is average for an occupied rental and not severely distressed (no collapsed ceilings, no active leaks), because exterior appears maintained.",
"Basic appliances/heating/cooling are present and functioning but their age/condition are unknown.",
"Smoke and carbon monoxide detectors, GFCI protection, and required egress windows are unverified and may need installation or servicing.",
"No visible exterior structural failure (roof sagging, foundation movement) from front photo; full perimeter not seen.",
"Listing statement that unit is occupied and producing income is accurate and indicates recent rental activity."
],
"score_method": "mean_of_criteria",
"overall_score": 67.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7230675945"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.