Property ID: 7242546967
521 Moss Ln, River Ridge, LA, 70123
River Ridge, LA
Money Down: $68,160
CoC Return: -6.36%
Monthly Cash Flow: $-361
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$56,800
Closing Costs
$11,360
Total Down
$68,160
Investment Snapshot
Purchase Price
$284,000
Money Down
$68,160
Cash-on-Cash Return
-6.36%
Rent
$1,696
Monthly Cash Flow
$-361
Annual Cash Flow
$-4,332
Debt Service / Mo
$1,512
Property Tax / Mo
$290
Insurance / Mo
$86
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$86
Property Tax
$290
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,151
Debt Service
$1,512
Cash Flow After Debt
$-361
Quality Score: 81.20%
Confidence: 50.00%
Mostly turnkey single-family home with recent comprehensive interior remodel and exterior upkeep. Visible systems and finishes are modern and well-installed (roof replaced 2018, updated electric/plumbing, new floors, renovated bath and kitchen, appliances present). Main inspection risks to verify: operable smoke/CO detectors and their locations, bedroom egress for at least one bedroom with small/high windows, and confirmation of functioning HVAC and water heater/electrical panel. If those items are verified or corrected (minor fixes like adding detectors or swapping a window), the property is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$284,000
Beds
3
Baths
1
Living Area
1,104 sqft
Lot Size
—
Year Built
1965
Days on Market
70
Capital Outlay
$68,160
Debt Service
$1,512
Property Tax / Mo
$290
Insurance / Mo
$86
Property Description
Fabulous Home in River Ridge that's been recently remodeled. The Roof and Wood Floors were replaced in 2018, All updated Electric and Plumbing, replaced new kitchen cabinets, stone countertops and tiled Backsplash, replaced Doors and trim, updated Light Fixtures, and a total bathroom renovation. Fenced in Backyard with a Shed. FLOOD X. THIS HOUSE IS A MUST SEE!
Utility Allowances
cooking
$12
Selected 'natural_gas' as the property listing explicitly states 'Gas: Natural' service.
heating
$70
Selected 'natural_gas' as the property listing specifies 'Heating: Central' and 'Gas: Natural' service.
other_electric
$67
Standard allowance for lighting, fans, and miscellaneous appliances for a 3-bedroom unit.
sewer
$46
Selected based on the property listing specifying 'Sewer: City' and 'Public Sewer'.
trash_collection
$25
Standard allowance for municipal trash service for a single-family home.
water
$43
Selected based on the property listing specifying 'Water Source: Public'.
water_heating
$24
Selected 'natural_gas' as it is the most cost-effective option given the property's stated 'Gas: Natural' service.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,032
DP3 Annual Estimate$1,032
DP1 Monthly Equivalent$86
DP3 Monthly Equivalent$86
Replacement Value$218,700
Basis1,104 sqft / 1965
Nearby Houses
Photo unavailable
500 Moss Ln
off_market · 0.08 mi
Price: $245,000
2 bd / 1 ba · 1,075 sqft
Latest sale: — on Jan 16, 2026
Latest rent: —
Photo unavailable
9203 5th St
off_market · 0.08 mi
Price: $299,900
3 bd / 1 ba · 1,100 sqft
Latest sale: — on Oct 12, 2020
Latest rent: —
Photo unavailable
9120 Melrose Ln
sold · 0.09 mi
Price: $215,000
2 bd / 2 ba · 1,200 sqft
Latest sale: — on Jun 21, 2021
Latest rent: $1,800 on Feb 15, 2023
Photo unavailable
525 Bellview St
off_market · 0.12 mi
Price: $399,000
3 bd / 2 ba · 1,742 sqft
Latest sale: — on Jun 18, 2021
Latest rent: $2,700 on Aug 12, 2025
Photo unavailable
9120 Darby Ln
for_sale · 0.13 mi
Price: $735,000
4 bd / 3 ba · 2,992 sqft
Latest sale: — on Sep 24, 2019
Latest rent: —
Photo unavailable
9209 Melrose Ln
for_sale · 0.13 mi
Price: $305,000
3 bd / 2 ba · 1,396 sqft
Latest sale: — on Apr 30, 2024
Latest rent: —
Photo unavailable
232 Moss Ln
sold · 0.16 mi
Price: $339,900
3 bd / 3 ba · 1,550 sqft
Latest sale: — on Mar 24, 2021
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Potential inadequate bedroom egress: at least one bedroom shows narrow/high horizontal windows that may not meet egress size/operability requirements.
- No smoke or carbon monoxide detectors visible in photos — missing/incorrect placement would be an immediate NSPIRE fail if absent.
- Smoke/CO/detector and deadbolt locations are not documented in photos and must be verified prior to inspection.
Assumptions
- Listing claim of updated electric and plumbing is accurate and work was permitted/inspected or performed to code.
- Central HVAC is present and operational (ceiling registers visible); furnace/AC functional though not shown.
- Water heater and electrical panel are present and in acceptable condition though not pictured.
- Smoke and carbon monoxide detectors may be installed but are not visible in photos; their presence/placement must be verified.
- Appliances shown (fridge, gas range, dishwasher) are operational and gas connection is safe; gas connection not visibly damaged.
- No hidden major structural defects or active leaks are present given clean interior finishes and intact exterior; severe hidden issues cannot be fully ruled out from photos alone.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $3,377 | $265,000 | $26,500 |
| 2024 | $3,211 | $265,000 | $26,500 |
| 2023 | $3,353 | $265,000 | $26,500 |
| 2022 | $1,982 | $161,000 | $16,100 |
| 2021 | $1,839 | $161,000 | $16,100 |
| 2020 | $1,825 | $161,000 | $16,100 |
| 2019 | $1,877 | $161,000 | $16,100 |
| 2018 | $1,748 | $161,000 | $16,100 |
| 2017 | $1,748 | $161,000 | $16,100 |
| 2016 | $1,712 | $161,000 | $16,100 |
| 2015 | $1,753 | $161,000 | $16,100 |
| 2014 | $1,237 | $115,100 | $11,510 |
| 2013 | $1,237 | $115,100 | $11,510 |
| 2012 | $431 | $115,100 | $11,510 |
| 2011 | $398 | $114,400 | $11,440 |
| 2010 | $1,128 | $114,400 | $11,440 |
| 2009 | $1,128 | $114,400 | $11,440 |
| 2008 | $384 | — | $11,440 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-08-29 | Sold | — |
| 2015-05-01 | Sold | — |
| 2004-09-28 | Sold | — |
Photo Gallery
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"date": "2014-09-20",
"price": 167000,
"listing": {
"status": "off_market",
"list_date": "2014-03-19T07:00:00Z",
"list_price": 167000,
"listing_id": "581109735",
"last_update_date": "2014-08-05T21:00:33Z",
"last_status_change_date": "2014-03-19T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": 163.72549019607843,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": "185 days",
"source_listing_id": "983964",
"price_change_percentage": null
},
{
"date": "2014-07-30",
"price": 167000,
"listing": {
"status": "off_market",
"list_date": "2014-03-19T07:00:00Z",
"list_price": 167000,
"listing_id": "581109735",
"last_update_date": "2014-08-05T21:00:33Z",
"last_status_change_date": "2014-03-19T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": 163.72549019607843,
"source_name": "NewOrleans",
"price_change": -2900,
"days_after_listed": null,
"source_listing_id": "983964",
"price_change_percentage": null
},
{
"date": "2014-03-19",
"price": 169900,
"listing": {
"status": "off_market",
"list_date": "2014-03-19T07:00:00Z",
"list_price": 167000,
"listing_id": "581109735",
"last_update_date": "2014-08-05T21:00:33Z",
"last_status_change_date": "2014-03-19T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 166.5686274509804,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "983964",
"price_change_percentage": null
},
{
"date": "2012-09-12",
"price": 1200,
"listing": {
"status": "off_market",
"list_date": "2012-07-27T07:00:00Z",
"list_price": 1200,
"listing_id": "554113079",
"last_update_date": "2012-09-13T06:30:00Z",
"last_status_change_date": "2012-09-13T06:30:00Z"
},
"event_name": "Listing removed",
"price_sqft": 1.1764705882352942,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "922903",
"price_change_percentage": null
},
{
"date": "2012-09-04",
"price": 1200,
"listing": {
"status": "off_market",
"list_date": "2012-07-27T07:00:00Z",
"list_price": 1200,
"listing_id": "554113079",
"last_update_date": "2012-09-13T06:30:00Z",
"last_status_change_date": "2012-09-13T06:30:00Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 1.1764705882352942,
"source_name": "NewOrleans",
"price_change": -200,
"days_after_listed": null,
"source_listing_id": "922903",
"price_change_percentage": null
},
{
"date": "2012-07-27",
"price": 1400,
"listing": {
"status": "off_market",
"list_date": "2012-07-27T07:00:00Z",
"list_price": 1200,
"listing_id": "554113079",
"last_update_date": "2012-09-13T06:30:00Z",
"last_status_change_date": "2012-09-13T06:30:00Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.3725490196078431,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "922903",
"price_change_percentage": null
},
{
"date": "2004-09-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"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": "7242546967",
"generated_at": "2026-03-27T17:29:28.182285Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 81.2
},
"utility_allowance": {
"zip_code": "70123",
"home_photo": "https://ap.rdcpix.com/0846962ba499df6bdfdc11f48a411c23l-b31359017s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 227200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/521-Moss-Ln_River-Ridge_LA_70123_M72425-46967",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 284000.0,
"loan_term_years": 30,
"annual_cash_flow": 13806.49,
"mortgage_monthly": 1511.57,
"payment_standard": 1983.0,
"total_amount_out": 56800.0,
"additional_photos": [
"https://ap.rdcpix.com/0846962ba499df6bdfdc11f48a411c23l-b4017367139s-w1280.jpg",
"https://ap.rdcpix.com/0846962ba499df6bdfdc11f48a411c23l-b9619526s-w1280.jpg",
"https://ap.rdcpix.com/0846962ba499df6bdfdc11f48a411c23l-b3976730201s-w1280.jpg",
"https://ap.rdcpix.com/0846962ba499df6bdfdc11f48a411c23l-b3881049249s-w1280.jpg",
"https://ap.rdcpix.com/0846962ba499df6bdfdc11f48a411c23l-b2130264133s-w1280.jpg",
"https://ap.rdcpix.com/0846962ba499df6bdfdc11f48a411c23l-b471024992s-w1280.jpg",
"https://ap.rdcpix.com/0846962ba499df6bdfdc11f48a411c23l-b3933681978s-w1280.jpg",
"https://ap.rdcpix.com/0846962ba499df6bdfdc11f48a411c23l-b608314481s-w1280.jpg",
"https://ap.rdcpix.com/0846962ba499df6bdfdc11f48a411c23l-b2975625470s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 86.0,
"monthly_cash_flow": 1150.54,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'natural_gas' as the property listing explicitly states 'Gas: Natural' service.",
"utility": "cooking",
"allowance": 12
},
{
"note": "Selected 'natural_gas' as the property listing specifies 'Heating: Central' and 'Gas: Natural' service.",
"utility": "heating",
"allowance": 70
},
{
"note": "Standard allowance for lighting, fans, and miscellaneous appliances for a 3-bedroom unit.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "Selected based on the property listing specifying 'Sewer: City' and 'Public Sewer'.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Standard allowance for municipal trash service for a single-family home.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Selected based on the property listing specifying 'Water Source: Public'.",
"utility": "water",
"allowance": 43
},
{
"note": "Selected 'natural_gas' as it is the most cost-effective option given the property's stated 'Gas: Natural' service.",
"utility": "water_heating",
"allowance": 24
}
],
"cash_on_cash_return": 0.24,
"down_payment_amount": 56800.0,
"property_tax_annual": 3478.31,
"property_tax_monthly": 289.86,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -4332.32,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -361.03,
"cash_on_cash_return_after_debt": -0.08
},
"section8_assessment": {
"runs": [
{
"summary": "Mostly turnkey single-family home with recent comprehensive interior remodel and exterior upkeep. Visible systems and finishes are modern and well-installed (roof replaced 2018, updated electric/plumbing, new floors, renovated bath and kitchen, appliances present). Main inspection risks to verify: operable smoke/CO detectors and their locations, bedroom egress for at least one bedroom with small/high windows, and confirmation of functioning HVAC and water heater/electrical panel. If those items are verified or corrected (minor fixes like adding detectors or swapping a window), the property is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show full cosmetic renovation: new wood floors, painted walls, updated cabinetry, countertops and tiled backsplash, renovated bathroom and intact trim. Exterior paint/brick and roof appear in good condition (roof reportedly replaced 2018). Appliances (refrigerator, range, dishwasher) visible in photos. Minor items likely: landscaping/shrub trimming and typical touch-ups. No obvious deferred-maintenance or damaged finishes visible."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 75.0,
"rationale": "No visible exposed wiring, ceilings and walls intact, window glass intact, bathroom and kitchen fixtures appear professionally installed. Central HVAC vents visible. However, smoke/CO detectors are not visible in photos (could be present but not shown) and at least one bedroom shows small/high horizontal windows that may not meet egress-size/operability requirements — potential NSPIRE egress concern. Deadbolt not visible on front door in photos. GFCI presence in kitchen/bath assumed from recent electrical update but not visually confirmed. Overall low-to-moderate compliance risk but a few inspection items likely to need verification or minor fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 80.0,
"rationale": "Listing states updated electric and plumbing; roof replaced 2018. Ceiling HVAC registers visible indicating central HVAC present. Appliances and fixtures look modern and correctly installed. Water heater and electrical panel are not shown; assume functional given listing claims. No visible signs of active leaks, water staining, or major drainage problems in photos. System-level confidence moderately high but final verification (panel labeling, water heater, HVAC operation) required at inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Yard, fence and shed present and appear in good repair. Driveway, sidewalks and rear patio look intact. Exterior walls/paint/brick appear sound with no visible foundation cracks or sagging. Shrubbery at front is overgrown against the facade and should be trimmed to prevent moisture/inspection concerns. Flood Zone X noted (lower flood risk). Overall exterior is well maintained."
}
],
"red_flags": [
"Potential inadequate bedroom egress: at least one bedroom shows narrow/high horizontal windows that may not meet egress size/operability requirements.",
"No smoke or carbon monoxide detectors visible in photos — missing/incorrect placement would be an immediate NSPIRE fail if absent.",
"Smoke/CO/detector and deadbolt locations are not documented in photos and must be verified prior to inspection."
],
"confidence": 0.75,
"assumptions": [
"Listing claim of updated electric and plumbing is accurate and work was permitted/inspected or performed to code.",
"Central HVAC is present and operational (ceiling registers visible); furnace/AC functional though not shown.",
"Water heater and electrical panel are present and in acceptable condition though not pictured.",
"Smoke and carbon monoxide detectors may be installed but are not visible in photos; their presence/placement must be verified.",
"Appliances shown (fridge, gas range, dishwasher) are operational and gas connection is safe; gas connection not visibly damaged.",
"No hidden major structural defects or active leaks are present given clean interior finishes and intact exterior; severe hidden issues cannot be fully ruled out from photos alone."
],
"overall_score": 81.0,
"rubric_version": "ns_prep_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [
"Error code: 429 - {'error': {'message': 'You exceeded your current quota, please check your plan and billing details. For more information on this error, read the docs: https://platform.openai.com/docs/guides/error-codes/api-errors.', 'type': 'insufficient_quota', 'param': None, 'code': 'insufficient_quota'}}",
"Error code: 429 - {'error': {'message': 'You exceeded your current quota, please check your plan and billing details. For more information on this error, read the docs: https://platform.openai.com/docs/guides/error-codes/api-errors.', 'type': 'insufficient_quota', 'param': None, 'code': 'insufficient_quota'}}"
],
"address": "521 Moss Ln, River Ridge, LA, 70123",
"aggregate": {
"summary": "Mostly turnkey single-family home with recent comprehensive interior remodel and exterior upkeep. Visible systems and finishes are modern and well-installed (roof replaced 2018, updated electric/plumbing, new floors, renovated bath and kitchen, appliances present). Main inspection risks to verify: operable smoke/CO detectors and their locations, bedroom egress for at least one bedroom with small/high windows, and confirmation of functioning HVAC and water heater/electrical panel. If those items are verified or corrected (minor fixes like adding detectors or swapping a window), the property is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show full cosmetic renovation: new wood floors, painted walls, updated cabinetry, countertops and tiled backsplash, renovated bathroom and intact trim. Exterior paint/brick and roof appear in good condition (roof reportedly replaced 2018). Appliances (refrigerator, range, dishwasher) visible in photos. Minor items likely: landscaping/shrub trimming and typical touch-ups. No obvious deferred-maintenance or damaged finishes visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Yard, fence and shed present and appear in good repair. Driveway, sidewalks and rear patio look intact. Exterior walls/paint/brick appear sound with no visible foundation cracks or sagging. Shrubbery at front is overgrown against the facade and should be trimmed to prevent moisture/inspection concerns. Flood Zone X noted (lower flood risk). Overall exterior is well maintained."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 75.0,
"rationale": "No visible exposed wiring, ceilings and walls intact, window glass intact, bathroom and kitchen fixtures appear professionally installed. Central HVAC vents visible. However, smoke/CO detectors are not visible in photos (could be present but not shown) and at least one bedroom shows small/high horizontal windows that may not meet egress-size/operability requirements — potential NSPIRE egress concern. Deadbolt not visible on front door in photos. GFCI presence in kitchen/bath assumed from recent electrical update but not visually confirmed. Overall low-to-moderate compliance risk but a few inspection items likely to need verification or minor fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 80.0,
"rationale": "Listing states updated electric and plumbing; roof replaced 2018. Ceiling HVAC registers visible indicating central HVAC present. Appliances and fixtures look modern and correctly installed. Water heater and electrical panel are not shown; assume functional given listing claims. No visible signs of active leaks, water staining, or major drainage problems in photos. System-level confidence moderately high but final verification (panel labeling, water heater, HVAC operation) required at inspection."
}
],
"red_flags": [
"Potential inadequate bedroom egress: at least one bedroom shows narrow/high horizontal windows that may not meet egress size/operability requirements.",
"No smoke or carbon monoxide detectors visible in photos — missing/incorrect placement would be an immediate NSPIRE fail if absent.",
"Smoke/CO/detector and deadbolt locations are not documented in photos and must be verified prior to inspection."
],
"confidence": 0.5,
"assumptions": [
"Listing claim of updated electric and plumbing is accurate and work was permitted/inspected or performed to code.",
"Central HVAC is present and operational (ceiling registers visible); furnace/AC functional though not shown.",
"Water heater and electrical panel are present and in acceptable condition though not pictured.",
"Smoke and carbon monoxide detectors may be installed but are not visible in photos; their presence/placement must be verified.",
"Appliances shown (fridge, gas range, dishwasher) are operational and gas connection is safe; gas connection not visibly damaged.",
"No hidden major structural defects or active leaks are present given clean interior finishes and intact exterior; severe hidden issues cannot be fully ruled out from photos alone."
],
"score_method": "mean_of_criteria",
"overall_score": 81.2,
"rubric_version": "ns_prep_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7242546967"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.