41 Winifred St, Westwego, LA, 70094
Westwego, LA
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 66.10%
Confidence: 92.00%
This 3-bed/2-bath single-family appears structurally intact with a newer roof and HVAC per the listing, and generally sound exterior. The primary issues are interior: heavily stained/soiled carpeting, scuffed walls, cosmetic wear, and missing/uncertain safety devices (no visible smoke/CO alarms). Mechanical systems are likely functional but not fully documented in the photos. With targeted fixes — replace or remove carpet, clean/paint, secure/repair exposed wiring, install/verify smoke & CO detectors, and confirm plumbing/electrical/water heater condition — the property could pass a Housing Choice Voucher (NSPIRE) inspection in 1–4 weeks. Current inspection risk is moderate but manageable.
Property Fundamentals
Property Description
This 3-bedroom, 2-bath home offers a practical layout and comfortable living space, ready for its next chapter. While it could benefit from some updates and TLC, it provides a strong foundation for customization and value growth. Whether you're a first-time buyer looking to personalize your space or an investor searching for opportunity, this property presents plenty of potential at an approachable price point. Newer Roof & HVAC.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Properties Used for Comps
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or CO alarm in photos (safety compliance risk)
- Exposed/loose wiring or cable hanging at bedroom windows (tripping/wiring hazard)
- Significant carpet staining and soiling throughout — potential for underlying odor/mold pockets
- Bathroom ceiling staining indicating prior or potential water intrusion that needs verification
Assumptions
- Listing statement 'Newer Roof & HVAC' is accurate; roof and central HVAC are serviceable though not fully inspected in photos.
- No active roof leaks are present despite bathroom ceiling staining (stain assumed to be prior and repairable unless inspection finds active leak).
- Refrigerator not pictured and therefore may be missing — missing fridge reduces readiness but not safety-critical.
- Smoke detectors, CO alarms, electrical panel and water heater exist but were not visible in supplied photos; their presence and proper operation are unknown and scored conservatively.
- Window-mounted AC units present in photos are supplemental; primary central HVAC is assumed to be the main system.
- No recent rental history for the last 5 years (per snapshot) so rental_history_activity excluded from overall score.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,030 | $78,500 | $7,850 |
| 2024 | $1,027 | $78,500 | $7,850 |
| 2023 | $1,076 | $78,500 | $7,850 |
| 2022 | $1,050 | $78,500 | $7,850 |
| 2021 | $992 | $78,500 | $7,850 |
| 2020 | $986 | $78,500 | $7,850 |
| 2019 | $1,018 | $78,500 | $7,850 |
| 2018 | $953 | $78,500 | $7,850 |
| 2017 | $919 | $78,500 | $7,850 |
| 2016 | $903 | $78,500 | $7,850 |
| 2015 | $916 | $78,500 | $7,850 |
| 2014 | $905 | $78,500 | $7,850 |
| 2013 | $905 | $78,500 | $7,850 |
| 2012 | $40 | $78,500 | $7,850 |
| 2011 | $14 | $76,400 | $7,640 |
| 2010 | $868 | $76,400 | $7,640 |
| 2009 | $826 | $76,400 | $7,640 |
| 2008 | $15 | — | $7,640 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-01 | Listed | $137,000 |
| 1997-03-01 | Sold | $0 |
Photo Gallery
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"Year Built: 1983",
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"Property Age: 43",
"Roof: Shingle",
"Levels or Stories: 1.00000",
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"Total Area Sqft: 1273",
"Year Built Effective: 1983",
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},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 1050,
"year": 2022,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 992,
"year": 2021,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 986,
"year": 2020,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 1018,
"year": 2019,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 953,
"year": 2018,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 919,
"year": 2017,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 903,
"year": 2016,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 916,
"year": 2015,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 905,
"year": 2014,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 905,
"year": 2013,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 40,
"year": 2012,
"market": {
"land": 21800,
"total": 78500,
"building": 56700
},
"assessment": {
"land": 2180,
"total": 7850,
"building": 5670
}
},
{
"tax": 14,
"year": 2011,
"market": {
"land": 21800,
"total": 76400,
"building": 54600
},
"assessment": {
"land": 2180,
"total": 7640,
"building": 5460
}
},
{
"tax": 868,
"year": 2010,
"market": {
"land": 21800,
"total": 76400,
"building": 54600
},
"assessment": {
"land": 2180,
"total": 7640,
"building": 5460
}
},
{
"tax": 826,
"year": 2009,
"market": {
"land": 9600,
"total": 76400,
"building": 66800
},
"assessment": {
"land": 960,
"total": 7640,
"building": 6680
}
},
{
"tax": 15,
"year": 2008,
"market": null,
"assessment": {
"land": null,
"total": 7640,
"building": null
}
}
],
"property_history": [
{
"date": "2026-03-01",
"price": 137000,
"listing": {
"status": "for_sale",
"list_date": "2026-03-01T19:18:59Z",
"list_price": 137000,
"listing_id": "2992021165",
"last_update_date": "2026-03-01T16:10:04Z",
"last_status_change_date": "2026-03-01T19:18:59Z"
},
"event_name": "Listed",
"price_sqft": 144.21052631578948,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2545241",
"price_change_percentage": null
},
{
"date": "1997-03-01",
"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": "7255770079",
"generated_at": "2026-03-27T02:51:05.846271Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 66.1
},
"utility_allowance": {
"zip_code": "70094",
"home_photo": "https://ap.rdcpix.com/dd19c2ec593ba5413d332604ff6d70cbl-m3169362281s-w1280.jpg",
"rent_price": 1656.0,
"loan_amount": 109600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/41-Winifred-St_Westwego_LA_70094_M72557-70079",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 137000.0,
"loan_term_years": 30,
"annual_cash_flow": 15935.9,
"mortgage_monthly": 729.17,
"payment_standard": 1983.0,
"total_amount_out": 27400.0,
"additional_photos": [
"https://ap.rdcpix.com/dd19c2ec593ba5413d332604ff6d70cbl-m1166677949s-w1280.jpg",
"https://ap.rdcpix.com/dd19c2ec593ba5413d332604ff6d70cbl-m524893304s-w1280.jpg",
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"https://ap.rdcpix.com/dd19c2ec593ba5413d332604ff6d70cbl-m82527359s-w1280.jpg",
"https://ap.rdcpix.com/dd19c2ec593ba5413d332604ff6d70cbl-m3724735932s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 74.0,
"monthly_cash_flow": 1327.99,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating. An electric heat pump is assumed for the HVAC system as this is common and it is the more expensive option versus natural gas when the fuel type is unclear.",
"utility": "heating (electric_heat_pump)",
"allowance": 78
},
{
"note": "This is a standard allowance for general electricity usage (lights, outlets, etc.) not covered by other specific electric utilities.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "The fuel source for water heating was not specified; electric was chosen for consistency with other chosen electric appliances.",
"utility": "water_heating (electric)",
"allowance": 51
},
{
"note": "The property details explicitly state 'Water Source: Public', making this allowance applicable.",
"utility": "water",
"allowance": 43
},
{
"note": "The property details explicitly state 'Sewer: City', making this allowance applicable.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard utility for single-family homes and is assumed to be the tenant's responsibility.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Selected electric cooking based on property photos showing an electric coil stove.",
"utility": "cooking (electric)",
"allowance": 17
}
],
"cash_on_cash_return": 0.58,
"down_payment_amount": 27400.0,
"property_tax_annual": 1060.9,
"property_tax_monthly": 88.41,
"property_tax_increase": 0.03,
"utility_allowance_total": 327.0,
"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": 7185.84,
"property_management_monthly": 165.6,
"monthly_cash_flow_after_debt": 598.82,
"cash_on_cash_return_after_debt": 0.26
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed/2-bath single-family appears structurally intact with a newer roof and HVAC per the listing, and generally sound exterior. The primary issues are interior: heavily stained/soiled carpeting, scuffed walls, cosmetic wear, and missing/uncertain safety devices (no visible smoke/CO alarms). Mechanical systems are likely functional but not fully documented in the photos. With targeted fixes — replace or remove carpet, clean/paint, secure/repair exposed wiring, install/verify smoke & CO detectors, and confirm plumbing/electrical/water heater condition — the property could pass a Housing Choice Voucher (NSPIRE) inspection in 1–4 weeks. Current inspection risk is moderate but manageable.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows worn, heavily stained carpeting in main living and bedrooms, scuffed/marked walls with patching, and general cosmetic deferred maintenance. Kitchen and bath fixtures are present but dated and show staining; cabinets appear serviceable but worn. Stove is present; refrigerator not shown. These are mostly cosmetic and medium-effort turnover items (carpet replacement or removal, paint, minor cabinet/finish work). No obvious collapsed finishes or exposed subfloor. Overall moderate repair needs but not major structural rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 60.0,
"rationale": "No smoke detectors or CO alarm are visible in photos (NSPIRE requires smoke detectors in common areas and inside bedrooms as applicable). There are exposed cables hanging by windows which present a tripping/wiring hazard and should be secured. Bathroom ceiling shows staining (possible past leak) which needs verification. Entry door appears to have a standard lock; deadbolt not clearly visible. No visible major electrical hazards, collapsed ceilings, standing water, or missing guardrails. GFCI presence at sink/outlet not verifiable from photos. Safety compliance risk is moderate until detectors, wiring, and moisture conditions are confirmed and corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 70.0,
"rationale": "Listing states newer roof and HVAC; photos show central HVAC supply/return vents and a roof that appears intact from front view. Kitchen range is electric and appears operable. Bathrooms and kitchen plumbing fixtures are present; no active leaks or standing water visible, though bathroom ceiling staining suggests prior leak that should be inspected. Electrical panel and water heater are not shown. Given listing claim of newer roof/HVAC and visible vents, major systems likely functional but several components were not photographed and require verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front yard, siding and roof line look intact with modest maintenance needs (overgrown shrubs, lawn). Driveway and carport appear serviceable; fence/gate present on side. No visible foundation cracking, large drainage issues, infestation evidence, or damaged walkways in provided photos. Overall exterior presents low risk for initial inspection."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm in photos (safety compliance risk)",
"Exposed/loose wiring or cable hanging at bedroom windows (tripping/wiring hazard)",
"Significant carpet staining and soiling throughout — potential for underlying odor/mold pockets",
"Bathroom ceiling staining indicating prior or potential water intrusion that needs verification"
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'Newer Roof & HVAC' is accurate; roof and central HVAC are serviceable though not fully inspected in photos.",
"No active roof leaks are present despite bathroom ceiling staining (stain assumed to be prior and repairable unless inspection finds active leak).",
"Refrigerator not pictured and therefore may be missing — missing fridge reduces readiness but not safety-critical.",
"Smoke detectors, CO alarms, electrical panel and water heater exist but were not visible in supplied photos; their presence and proper operation are unknown and scored conservatively.",
"Window-mounted AC units present in photos are supplemental; primary central HVAC is assumed to be the main system.",
"No recent rental history for the last 5 years (per snapshot) so rental_history_activity excluded from overall score."
],
"overall_score": 68.0,
"rubric_version": "2026-03-hud-nspire-v1"
},
{
"summary": "Overall this 3BR/2BA single-family home appears broadly repairable and likely to pass a Section 8/HCV initial inspection after targeted repairs. Major systems (roof and HVAC) are reportedly newer and vents are present; exterior and structure appear sound. Primary concerns for an NSPIRE pass are missing/uncertain smoke and CO detectors, likely absence of GFCI protection at kitchen/bath outlets, stained/soiled carpets and interior cosmetics, and a few egress/locking details (window AC units and unclear deadbolt). These are fixable within a short timeframe (minor electrical work, installation of detectors, replace/clean carpets, replace missing appliances) — no obvious structural failures or active hazards were observed in the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 65.0,
"rationale": "Interior shows heavy soiling and stained/loose carpeting in main living and bedrooms, scuffed/dirty walls with patch spots, dated kitchen cabinets and countertops, and general cosmetic deferred maintenance. Stove present but no refrigerator shown (reduces readiness moderately). These are mostly cosmetic/replaceable items and not structural, so repair needs are moderate and should be completed within a short turnaround."
},
{
"key": "safety_code",
"label": "Safety and code compliance risk",
"score": 55.0,
"rationale": "No clearly visible smoke/CO detectors in photos (none clearly seen on bedroom or hallway ceilings). Kitchen appears not to show a GFCI-protected receptacle at the sink; bedroom windows have window AC units that may partially obstruct egress; front door lock visible but no clear deadbolt. There is loose low-voltage cable hanging from a bedroom window (trip/tangle hazard). No exposed live wiring or obvious electrical arcing visible. These issues create moderate NSPIRE risk — some likely fails (missing detectors/GFCI or blocked egress) but no immediate life-threatening defects shown."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 70.0,
"rationale": "Listing states newer roof and HVAC and photos show roof shingles in reasonable condition and supply/return vents present inside, suggesting central HVAC. Kitchen stove and bathroom fixtures are present and appear serviceable. Water heater and electrical panel were not photographed. Based on visible evidence and listing claim, major systems likely functional but unverified, so assign a solid-but-not-perfect score."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 85.0,
"rationale": "Front elevation shows intact siding, trim, and roofline with no visible sagging or major defects; yard is maintained and driveway/walkway appear serviceable. No visible standing water, foundation cracking, or severe exterior deterioration. Minor shrub overgrowth and worn lawn present but not inspection-critical."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statement 'Newer Roof & HVAC' is accurate and both systems are operational.",
"No refrigerator is present (none shown); tenant-supplied fridge may be expected but landlord should provide for Section 8 depending on local policy.",
"Smoke and carbon monoxide detectors are not installed or not visible in photos and should be treated as missing until confirmed.",
"GFCI protection at kitchen and bathroom receptacles is likely missing or not visible and should be inspected/installed.",
"Water heater and electrical panel were not photographed; assumed present and serviceable but unverified.",
"Bedroom egress windows meet size/egress requirements or will be verified; window AC units may partially obstruct egress and should be removable/altered if they block escape.",
"No active roof leaks, major foundation movement, or structural sagging are present (none visible in photos).",
"Stains on carpets and some ceiling discoloration (bath) are assumed surface-level (moisture stains) without severe mold; full remediation may be required if mold confirmed."
],
"overall_score": 67.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "This 3BR/2BA single-family property appears generally structurally sound with a presentable exterior and reportedly newer roof and HVAC — favorable for Section 8 tenancy after targeted repairs. Primary deficiencies are interior cleanliness and cosmetic deferred maintenance (soiled carpets, scuffed/patched walls), an apparent bathroom ceiling stain suggesting prior or active water intrusion, and missing/uncertain safety devices (no visible smoke/CO detectors and unclear GFCI protection). With carpet replacement or deep cleaning, paint, installation of required alarms, verification/repair of the stained ceiling source, and minor electrical/cover fixes, the home is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks. Current inspection risk is moderate due mostly to missing smoke/CO alarms and the ceiling stain.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs needed",
"score": 60.0,
"rationale": "Interior shows heavy soiling and worn/soiled carpeting throughout living areas and bedrooms, multiple wall scuffs/patches, stained bathroom ceiling, and general 'TLC' needed. Kitchen has an existing electric stove and cabinets are aged but functional; no refrigerator shown (reduces score moderately). These are mostly cosmetic and mid-level rehab items (carpet replacement, painting, outlet covers, cabinet refresh, cleaning). The bathroom ceiling stain suggests a past or intermittent leak which lowers the score further even though there is no obvious collapse or structural failure in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Photos show no visible smoke detectors or carbon monoxide alarms (required). Kitchen/bath GFCI protection is not clearly evident; some outlet covers appear missing or dirty. There is a visible stain on the bathroom ceiling (possible water intrusion) which is a safety/health concern until investigated. Door appears to be a standard keyed entry and possibly has a deadbolt (hard to confirm). No obvious exposed live wiring was seen, but loose/hanging cables at windows are present. Bedroom egress windows appear typical but sizes cannot be confirmed from photos. Working plumbing fixtures and a working electric stove are visible. Overall: some moderate safety/code risks that need remediation prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (roof, HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Listing states 'Newer Roof & HVAC' and exterior shows an intact roofline without visible sagging; interior shows central A/C vents consistent with ducted HVAC. Stove appears electric and functional. No water heater, electrical panel, or visible plumbing failures are shown in photos. The bathroom ceiling staining raises concern about plumbing or roof leakage, but absent other evidence systems appear serviceable. Because key system components (panel, water heater) are not visible, score is moderate-high but assumes no hidden failures."
},
{
"key": "exterior_site",
"label": "Exterior condition and site safety",
"score": 75.0,
"rationale": "Street-facing exterior is tidy with intact siding, roof, and an orderly lawn; driveway/carport and front entry appear serviceable. Shrubbery is slightly overgrown but not hazardous. No visible foundation cracks, major drainage issues, standing water, or exterior structural damage in provided photos. A wooden side gate is present (condition not fully verifiable). Overall exterior appears well-maintained relative to interior condition."
}
],
"red_flags": [
"Possible water intrusion / ceiling stain in bathroom — investigate for active leak, mold, or structural damage.",
"No visible smoke detectors or carbon monoxide alarms in photos — must be installed/verified for code compliance.",
"GFCI protection in kitchen/bath not evident; some outlet covers appear missing or damaged — electrical safety remediation likely needed.",
"Significant carpet staining and soiling throughout interior — potential trip/hygiene issues and may hide mold or pest traces."
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'Newer Roof & HVAC' is accurate — roof and HVAC are functional and not at end-of-life.",
"No active structural failure (no sagging rooflines or foundation movement) beyond what is visible in photos.",
"Hot water and water heater are present and operational despite not being photographed.",
"Electrical panel and service are intact and code-compliant unless otherwise discovered on inspection.",
"No refrigerator is visible in photos; a tenant-supplied or owner-supplied fridge may be required but missing appliances alone are not treated as fatal.",
"Bathroom ceiling stain represents prior or intermittent leak that will require investigation; severity is unknown from photos.",
"Smoke detectors and CO alarms are not visible in the photos and therefore treated as likely missing or improperly located."
],
"overall_score": 64.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "41 Winifred St, Westwego, LA, 70094",
"aggregate": {
"summary": "This 3-bed/2-bath single-family appears structurally intact with a newer roof and HVAC per the listing, and generally sound exterior. The primary issues are interior: heavily stained/soiled carpeting, scuffed walls, cosmetic wear, and missing/uncertain safety devices (no visible smoke/CO alarms). Mechanical systems are likely functional but not fully documented in the photos. With targeted fixes — replace or remove carpet, clean/paint, secure/repair exposed wiring, install/verify smoke & CO detectors, and confirm plumbing/electrical/water heater condition — the property could pass a Housing Choice Voucher (NSPIRE) inspection in 1–4 weeks. Current inspection risk is moderate but manageable.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 63.3,
"rationale": "Interior shows worn, heavily stained carpeting in main living and bedrooms, scuffed/marked walls with patching, and general cosmetic deferred maintenance. Kitchen and bath fixtures are present but dated and show staining; cabinets appear serviceable but worn. Stove is present; refrigerator not shown. These are mostly cosmetic and medium-effort turnover items (carpet replacement or removal, paint, minor cabinet/finish work). No obvious collapsed finishes or exposed subfloor. Overall moderate repair needs but not major structural rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front yard, siding and roof line look intact with modest maintenance needs (overgrown shrubs, lawn). Driveway and carport appear serviceable; fence/gate present on side. No visible foundation cracking, large drainage issues, infestation evidence, or damaged walkways in provided photos. Overall exterior presents low risk for initial inspection."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 56.7,
"rationale": "No smoke detectors or CO alarm are visible in photos (NSPIRE requires smoke detectors in common areas and inside bedrooms as applicable). There are exposed cables hanging by windows which present a tripping/wiring hazard and should be secured. Bathroom ceiling shows staining (possible past leak) which needs verification. Entry door appears to have a standard lock; deadbolt not clearly visible. No visible major electrical hazards, collapsed ceilings, standing water, or missing guardrails. GFCI presence at sink/outlet not verifiable from photos. Safety compliance risk is moderate until detectors, wiring, and moisture conditions are confirmed and corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 70.0,
"rationale": "Listing states newer roof and HVAC; photos show central HVAC supply/return vents and a roof that appears intact from front view. Kitchen range is electric and appears operable. Bathrooms and kitchen plumbing fixtures are present; no active leaks or standing water visible, though bathroom ceiling staining suggests prior leak that should be inspected. Electrical panel and water heater are not shown. Given listing claim of newer roof/HVAC and visible vents, major systems likely functional but several components were not photographed and require verification."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm in photos (safety compliance risk)",
"Exposed/loose wiring or cable hanging at bedroom windows (tripping/wiring hazard)",
"Significant carpet staining and soiling throughout — potential for underlying odor/mold pockets",
"Bathroom ceiling staining indicating prior or potential water intrusion that needs verification"
],
"confidence": 0.92,
"assumptions": [
"Listing statement 'Newer Roof & HVAC' is accurate; roof and central HVAC are serviceable though not fully inspected in photos.",
"No active roof leaks are present despite bathroom ceiling staining (stain assumed to be prior and repairable unless inspection finds active leak).",
"Refrigerator not pictured and therefore may be missing — missing fridge reduces readiness but not safety-critical.",
"Smoke detectors, CO alarms, electrical panel and water heater exist but were not visible in supplied photos; their presence and proper operation are unknown and scored conservatively.",
"Window-mounted AC units present in photos are supplemental; primary central HVAC is assumed to be the main system.",
"No recent rental history for the last 5 years (per snapshot) so rental_history_activity excluded from overall score."
],
"score_method": "mean_of_criteria",
"overall_score": 66.1,
"rubric_version": "2026-03-hud-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7255770079"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.