Property ID: 7273580417
1400 Gulfport St, Birmingham, AL, 35224
Birmingham, AL
Money Down: $20,640
CoC Return: 16.52%
Monthly Cash Flow: $284
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,200
Closing Costs
$3,440
Total Down
$20,640
Investment Snapshot
Purchase Price
$86,000
Money Down
$20,640
Cash-on-Cash Return
16.52%
Rent
$995
Monthly Cash Flow
$284
Annual Cash Flow
$3,409
Debt Service / Mo
$458
Property Tax / Mo
$91
Insurance / Mo
$63
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$995
Payment Standard
$1,518
Rent
$995
Insurance
$63
Property Tax
$91
Management
$100
Utilities Allowance
$523
NOI (Monthly)
$742
Debt Service
$458
Cash Flow After Debt
$284
Quality Score: 72.70%
Confidence: 77.00%
Overall this 3-bed single-family appears moderately turnkey for Section 8 inspection: cosmetic updates are good, systems and envelope look intact, and recent rental history is a plus. Primary inspection risks are missing/verifiable safety devices (no CO alarm shown, kitchen GFCI not evident), absence of photographed HVAC and electrical panel (cannot confirm operation/condition), and some carpet cleaning/spot repairs. With targeted fixes—install GFCI outlets where required, add CO detectors if a fuel-burning appliance exists, confirm HVAC and electrical service operation, and replace/clean carpets—this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$995
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$86,000
Beds
3
Baths
1
Living Area
1,198 sqft
Lot Size
9,583 sqft
Year Built
1948
Days on Market
123
Capital Outlay
$20,640
Debt Service
$458
Property Tax / Mo
$91
Insurance / Mo
$63
Property Description
Investment Opportunity! Rental income records can be shared! Home updated over the past 4 years. Guarantee income may be available with this rental. Details available.
Utility Allowances
Heating
$93
Selected for a 3-bedroom unit. Property details indicate Central heating, and the presence of an electric water heater suggests electric is the fuel source. Alabama Power is the primary provider in the area.
Cooling
$22
Selected for a 3-bedroom unit. Property has central air conditioning, which is electric. Alabama Power is the assumed provider.
Water Heating
$56
Selected for a 3-bedroom unit. Property details explicitly state an 'Electric Water Heater'.
Cooking
$21
Selected for a 3-bedroom unit. No cooking appliances are listed as provided. Electric was chosen to be consistent with the other electric systems (heating, water heater).
Other Electric
$68
Selected for a 3-bedroom unit. This covers baseload electricity for lights and other small appliances. Alabama Power is the assumed provider.
Refrigerator
$8
The property does not include a refrigerator, so the allowance for a tenant-owned refrigerator is included.
Range & Microwave
$6
The property does not include a range or microwave, so the allowance for tenant-owned appliances is included.
Water
$78
Selected for a 3-bedroom unit. Property details state 'Public Water' and the property is located in Birmingham.
Sewer
$151
Selected for a 3-bedroom unit. Property details state 'Sewer: Connected'.
Trash Collection
$20
Selected for a 3-bedroom unit. The property's location details list the area as 'Mulga, Wylam', making 'Mulga ISCL' the most appropriate choice from 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$606
DP3 Annual Estimate$896
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$75
Replacement Value$68,100
Basis1,198 sqft / 1948
Nearby Houses
Photo unavailable
1324 Gulfport St
sold · 0.02 mi
Price: $27,500
4 bd / 2 ba · 1,440 sqft
Latest sale: $27,500 on Aug 20, 2021
Latest rent: —
Photo unavailable
1323 Gulfport St
for_sale · 0.05 mi
Price: $85,000
3 bd / 1 ba · 1,416 sqft
Latest sale: —
Latest rent: $850 on Feb 09, 2021
Photo unavailable
1420 Gulfport St
sold · 0.05 mi
Price: $4,000
2 bd / 1 ba · 720 sqft
Latest sale: $4,000 on Feb 15, 2023
Latest rent: —
Photo unavailable
1306 Gulfport St
sold · 0.06 mi
Price: $45,000
3 bd / 1 ba · 1,228 sqft
Latest sale: $45,000 on Apr 08, 2024
Latest rent: —
Photo unavailable
1300 Gulfport St
sold · 0.07 mi
Price: $70,556
3 bd / 2 ba · 1,778 sqft
Latest sale: $70,556 on Jan 26, 2024
Latest rent: $1,200 on Sep 12, 2025
Photo unavailable
1322 Frisco St
sold · 0.08 mi
Price: $105,000
3 bd / 2 ba · 1,159 sqft
Latest sale: $105,000 on Nov 03, 2025
Latest rent: $1,275 on Dec 27, 2025
Photo unavailable
1301 Gulfport St
sold · 0.09 mi
Price: $38,000
2 bd / 1 ba · 1,116 sqft
Latest sale: $38,000 on Dec 03, 2021
Latest rent: $1,100 on Jan 22, 2025
Photo unavailable
1242 Huron St
for_sale · 0.09 mi
Price: $60,000
3 bd / 1 ba · 970 sqft
Latest sale: $38,500 on Nov 17, 2021
Latest rent: $800 on Oct 02, 2023
Photo unavailable
1232 Gulfport St
sold · 0.10 mi
Price: $20,000
2 bd / 1 ba · 892 sqft
Latest sale: $20,000 on Jun 11, 2021
Latest rent: —
Photo unavailable
1245 Indiana St
for_sale · 0.12 mi
Price: $29,900
3 bd / 1 ba · 1,432 sqft
Latest sale: $25,700 on Dec 21, 2021
Latest rent: $675 on Aug 31, 2017
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central heating/AC is present and connected (inferred from visible floor vents), but operational status was not shown.
- The water heater visible in photos is a fuel-burning (likely gas) or modern unit located in the utility area; because venting is visible in the photo, a carbon monoxide alarm will likely be required inside the unit area/adjacent living space.
- No stove or refrigerator were provided with the unit as photographed; landlord will need to provide or document appliance availability for move-in.
- Electrical panel and main service are present on the property but were not photographed; there were no visible interior exposed live wires in the provided photos.
- Bedroom windows meet egress dimensions based on appearance, but exact opening sizes were not measured.
- Porch handrail is present on one side; its fastening condition was not fully verified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,061 | $73,200 | $14,640 |
| 2023 | $1,061 | $73,200 | $14,640 |
| 2022 | $433 | $29,900 | $5,980 |
| 2021 | $836 | $57,700 | $11,540 |
| 2020 | $836 | $57,700 | $11,540 |
| 2019 | $836 | $57,700 | $11,540 |
| 2018 | $691 | $47,700 | $9,540 |
| 2017 | $691 | $47,700 | $9,540 |
| 2016 | $691 | $47,700 | $9,540 |
| 2015 | $691 | $47,700 | $9,540 |
| 2013 | $678 | $47,700 | $9,540 |
| 2012 | $678 | $47,700 | $9,540 |
| 2011 | $689 | $48,500 | $9,700 |
| 2010 | $383 | $26,500 | $5,300 |
| 2009 | $383 | $26,500 | $5,300 |
| 2008 | $391 | $27,100 | $5,420 |
| 2007 | $386 | $26,700 | $5,340 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-05-17 | Sold | $51,500 |
| 2020-11-06 | Sold | $30,000 |
| 2020-05-18 | Sold | $25,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-07-12 | Listed for rent | $1,095 | — |
Photo Gallery
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"days_after_listed": null,
"source_listing_id": "1346986",
"price_change_percentage": "+126.67%"
},
{
"date": "2020-11-06",
"price": 30000,
"listing": {
"status": "sold",
"list_date": "2021-04-13T15:12:27Z",
"list_price": 37995,
"listing_id": "2922468645",
"last_update_date": "2020-11-06T19:54:37Z",
"last_status_change_date": "2021-04-13T15:12:27Z"
},
"event_name": "Sold",
"price_sqft": 25.041736227045075,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "898654",
"price_change_percentage": null
},
{
"date": "2020-05-18",
"price": 25000,
"listing": {
"status": "sold",
"list_date": "2020-09-08T02:52:06Z",
"list_price": 30000,
"listing_id": "2912071190",
"last_update_date": "2020-05-25T14:21:54Z",
"last_status_change_date": "2020-09-08T02:52:06Z"
},
"event_name": "Sold",
"price_sqft": 20.868113522537563,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "872308",
"price_change_percentage": null
},
{
"date": "2017-08-03",
"price": 40000,
"listing": null,
"event_name": "Sold",
"price_sqft": 33.3889816360601,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2002-12-12",
"price": 60000,
"listing": null,
"event_name": "Sold",
"price_sqft": 50.08347245409015,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1987-01-06",
"price": 27500,
"listing": null,
"event_name": "Sold",
"price_sqft": 22.95492487479132,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Oct 29, 2012",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Final",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Oct 25, 2012",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Mechanical permit",
"permit_effective_date": "Jan 27, 2003",
"permit_project_type_1": "Hvac",
"permit_project_type_2": "Mechanical work",
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Gas permit",
"permit_effective_date": "Jan 15, 2003",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "7273580417",
"generated_at": "2026-02-16T20:12:29.136309Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.7
},
"utility_allowance": {
"zip_code": "35224",
"home_photo": "https://ap.rdcpix.com/7794706d1784faa8fec3e7b2b40f7be3l-m631009408s-w1280.jpg",
"rent_price": 995.0,
"loan_amount": 68800.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1400-Gulfport-St_Birmingham_AL_35224_M72735-80417",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 86000.0,
"loan_term_years": 30,
"annual_cash_flow": 8902.17,
"mortgage_monthly": 457.73,
"payment_standard": 1518.0,
"total_amount_out": 17200.0,
"additional_photos": [
"https://ap.rdcpix.com/7794706d1784faa8fec3e7b2b40f7be3l-m3352635328s-w1280.jpg",
"https://ap.rdcpix.com/7794706d1784faa8fec3e7b2b40f7be3l-m104480224s-w1280.jpg",
"https://ap.rdcpix.com/7794706d1784faa8fec3e7b2b40f7be3l-m3344170886s-w1280.jpg",
"https://ap.rdcpix.com/7794706d1784faa8fec3e7b2b40f7be3l-m122117415s-w1280.jpg",
"https://ap.rdcpix.com/7794706d1784faa8fec3e7b2b40f7be3l-m1561686778s-w1280.jpg",
"https://ap.rdcpix.com/7794706d1784faa8fec3e7b2b40f7be3l-m3886540928s-w1280.jpg",
"https://ap.rdcpix.com/7794706d1784faa8fec3e7b2b40f7be3l-m1055188743s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 62.58,
"monthly_cash_flow": 741.85,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected for a 3-bedroom unit. Property details indicate Central heating, and the presence of an electric water heater suggests electric is the fuel source. Alabama Power is the primary provider in the area.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Selected for a 3-bedroom unit. Property has central air conditioning, which is electric. Alabama Power is the assumed provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected for a 3-bedroom unit. Property details explicitly state an 'Electric Water Heater'.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected for a 3-bedroom unit. No cooking appliances are listed as provided. Electric was chosen to be consistent with the other electric systems (heating, water heater).",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected for a 3-bedroom unit. This covers baseload electricity for lights and other small appliances. Alabama Power is the assumed provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "The property does not include a refrigerator, so the allowance for a tenant-owned refrigerator is included.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property does not include a range or microwave, so the allowance for tenant-owned appliances is included.",
"utility": "Range & Microwave",
"allowance": 6
},
{
"note": "Selected for a 3-bedroom unit. Property details state 'Public Water' and the property is located in Birmingham.",
"utility": "Water",
"allowance": 78
},
{
"note": "Selected for a 3-bedroom unit. Property details state 'Sewer: Connected'.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected for a 3-bedroom unit. The property's location details list the area as 'Mulga, Wylam', making 'Mulga ISCL' the most appropriate choice from the schedule.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 17200.0,
"property_tax_annual": 1092.83,
"property_tax_monthly": 91.07,
"property_tax_increase": 0.03,
"utility_allowance_total": 523.0,
"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": 3409.43,
"property_management_monthly": 99.5,
"monthly_cash_flow_after_debt": 284.12,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3-bed single-family appears moderately turnkey for Section 8 inspection: cosmetic updates are good, systems and envelope look intact, and recent rental history is a plus. Primary inspection risks are missing/verifiable safety devices (no CO alarm shown, kitchen GFCI not evident), absence of photographed HVAC and electrical panel (cannot confirm operation/condition), and some carpet cleaning/spot repairs. With targeted fixes—install GFCI outlets where required, add CO detectors if a fuel-burning appliance exists, confirm HVAC and electrical service operation, and replace/clean carpets—this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior and exterior appear recently updated and generally serviceable. Kitchen cabinets, counters and double sink are present and in good cosmetic condition. Carpets show staining and will need cleaning or replacement. No stove or refrigerator are visible in the photos — missing appliances reduce readiness moderately. Minor cosmetic repairs (scuffed trim, paint touch-up, small concrete/step repair) are present but no widespread deferred maintenance is visible."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 60.0,
"rationale": "A working smoke alarm is visible in the living area. Bathroom fixtures, tub/shower and toilet are present. Windows appear of reasonable size for egress in bedrooms/living areas. However key safety items are not verifiable or appear missing: no carbon monoxide detector is visible (important if fuel-burning water heater or furnace present), kitchen countertop outlets do not show visible GFCI protection, and the electrical panel/grounding and condition of circuit protection were not shown. Porch has a handrail on one side; steps show minor concrete damage. No active leaks, collapsed ceilings, or major structural sagging were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, water heater, roof)",
"score": 65.0,
"rationale": "Roof shingles and soffit look in good visual condition. A water heater is visible in the utility area and appears newer (tag visible), suggesting water heating is present. Floor vents in living areas indicate a central HVAC/duct system is present, but neither HVAC equipment nor the electrical service/panel was photographed so operation and condition cannot be confirmed. Plumbing fixtures appear intact. Because key system components (furnace/AC unit, electrical panel) were not shown, some inspection risk remains."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate hazards",
"score": 80.0,
"rationale": "Vinyl siding and brick skirt look intact; foundation cinder blocks show no visible major cracks. Yard and walkways are slightly overgrown but serviceable. Chain-link fence and site are generally tidy. Steps/porch have a handrail on one side; minor concrete and brick wear at steps noted. Overhead service and satellite cabling attach at roof edge but appear typical and not obviously hazardous from photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central heating/AC is present and connected (inferred from visible floor vents), but operational status was not shown.",
"The water heater visible in photos is a fuel-burning (likely gas) or modern unit located in the utility area; because venting is visible in the photo, a carbon monoxide alarm will likely be required inside the unit area/adjacent living space.",
"No stove or refrigerator were provided with the unit as photographed; landlord will need to provide or document appliance availability for move-in.",
"Electrical panel and main service are present on the property but were not photographed; there were no visible interior exposed live wires in the provided photos.",
"Bedroom windows meet egress dimensions based on appearance, but exact opening sizes were not measured.",
"Porch handrail is present on one side; its fastening condition was not fully verified."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the home appears to be largely turnkey for Section 8 / HCV tenancy with minor repairs and verification items. Interior updates are evident, major systems appear present (water heater, floor registers), and there are functioning smoke detectors. Missing kitchen appliances, carpet cleaning/replacement, minor stoop/masonry repairs, and verification of GFCI outlets, CO alarm and HVAC/electrical panel condition are the main outstanding items. With modest work (install stove & refrigerator, confirm/replace CO alarm, confirm GFCI/wiring and clean/replace carpet), this property is likely rent-ready within 1–2 weeks and should pass an initial NSPIRE/HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Interior and exterior appear recently updated with painted cabinets, new-looking laminate in kitchen and intact tile in bathroom. Carpet shows staining and will likely need cleaning or replacement. Front stoop brick shows chipping and minor masonry repairs required. No major drywall or ceiling collapse visible. Photos do not show range or refrigerator (appliances absent), which reduces readiness moderately but is a capital issue rather than a life-safety failure."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "Smoke detectors are visible in kitchen and living area. Entry has a security door and a handrail is present at the front step. Windows in bedrooms appear adequate for egress. No exposed wiring, active roof leaks, standing water, or collapsed ceilings are evident in photos. No visible GFCI receptacle identified in kitchen (outlets present) and no carbon-monoxide alarm seen — recommend CO alarm if combustion appliances or gas heating are present. Overall moderate risk due to lack of visible CO detector and unclear GFCI protection."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 70.0,
"rationale": "Floor registers and a visible water heater (appears recently installed) indicate functioning central HVAC and hot water systems, but the primary HVAC unit and electrical panel are not photographed. Roof shingles look in good visual condition. Plumbing fixtures (sink, toilet, tub/shower) present and appear functional. Because key equipment (HVAC condenser, electrical panel) are not shown, there is uncertainty that reduces the score; no visible signs of major system failure were observed."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 80.0,
"rationale": "Vinyl siding and roof appear intact with no visible sagging or large missing sections. Foundation/block looks generally sound; some exposed block and minor mortar issues at stoop/landing and small brick damage on the front steps. Yard maintenance is light with some overgrowth but no standing water or obvious pest infestation. Overhead service drop and a satellite cable are visible (cable loosely draped over roof edge) — address cable routing for longevity but not an immediate code fail."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is operational (inferred from floor registers) though the outdoor unit and furnace/air handler were not photographed.",
"Electrical service and panel are present and intact; not visible in photos but no exposed wiring or obvious electrical hazards seen.",
"Water heater visible in utility area is functional and properly vented (appears newer in photos).",
"Cooking appliance and refrigerator are not present in photos and would be tenant-supplied or owner-installed prior to move-in.",
"No active roof leaks or major hidden water intrusion beyond what is visible in photos; ceiling surfaces show no obvious water damage.",
"No known active mold or pest infestation based on visuals; photos do not show visible mold growth.",
"Carbon monoxide alarm is not present in photos — assume not installed or not visible and recommend installation if fuel-burning appliances or attached garage exist."
],
"overall_score": 81.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "This 3-bed, 1-bath 1948 single-family appears generally rent-ready with mostly cosmetic repairs and routine safety items to address. Visible positives: intact roof and siding, painted/upgraded kitchen cabinets and counters, double kitchen sink, pictured water heater, functioning smoke detectors, no visible structural sagging or active leaks. Primary inspection risks to resolve before a guaranteed NSPIRE pass: verify and/or install GFCI protection in kitchen and bathrooms, add a carbon monoxide alarm if required by local code, repair/secure the front steps and railing, confirm HVAC operation and electrical panel condition on-site, and confirm presence/function of hot water. With those items addressed (many are quick fixes), the home would likely pass an initial HCV/NSPIRE inspection and be ready to rent within 2–4 weeks. Based on photos and listing data (recent rental history), current overall readiness score is 78/100 (minor repairs and verification needed).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 78.0,
"rationale": "Interior and exterior photos show a mostly updated, clean property: painted cabinets, newer-looking laminate floors, intact vinyl siding and asphalt shingles. Visible deferred items are moderate: stained/soiled carpeting in the living room, spalled concrete/brick at the front steps, minor trim scuffs and some mortar/vent openings at the foundation. No catastrophic interior damage visible. Appliances (stove/fridge) are not shown — missing appliances reduce score moderately but are not a fatal defect. Overall mostly cosmetic/minor repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "Positive: smoke detectors visible in living/kitchen area, entry door has security door and likely deadbolt, windows appear intact and bedrooms have operable windows for egress. Concerns: no carbon monoxide alarm visible; kitchen outlets do not visibly show GFCI protection (NSPIRE commonly requires GFCI in kitchen counters and bathrooms) — could be GFCI at breaker but not evident. Satellite/low-voltage cable is loosely run over the roof which could be a maintenance/electrical concern. No visible exposed live wiring or collapsed ceilings. Year-built 1948 raises lead-paint potential which must be managed per HUD rules. These are moderate NSPIRE risks that are usually fixable before move-in."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof, Water Heater)",
"score": 68.0,
"rationale": "Roof shingles and soffits appear in serviceable condition with no visible sagging or water stains inside. Floor vents and a small wall thermostat-like device suggest central heating/AC exists but no condenser or furnace is pictured—functionality not directly verified from photos. Water heater is pictured in a utility alcove and appears serviceable/newer. Plumbing fixtures are present and intact; bathtub surround and toilet appear serviceable. Electrical panel and service condition are not shown. Given visible equipment and absence of major evidence of failure, score reflects likely functional systems but with uncertainty that requires on-site verification (HVAC operation, panel, GFCI, hot water, full electrical safety check)."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 75.0,
"rationale": "Exterior vinyl siding, trim, and roof visually in good condition. Yard is slightly overgrown but no standing water observed. Concrete walk and front steps show spalling and one broken brick pier at the step that should be repaired for safety. Chain-link fence and lot perimeter appear serviceable. Crawlspace/foundation visible in photos shows typical block foundation with vent openings; no large foundation cracks or settlement visually evident. Overall limited site maintenance needed."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Possible lack of GFCI protection in kitchen/bath outlets (NSPIRE/GFCI requirement) — needs verification and likely correction.",
"No visible carbon monoxide detector — install if required.",
"Front entry steps show spalled concrete/brick and the handrail looks minimal — potential trip/handrail safety hazard that should be repaired.",
"Satellite/low-voltage cable draped across roof and fascia — unsecured routing may cause roof penetration/water intrusion and should be secured.",
"Property built 1948 — potential lead-based paint/hazard exists and must be disclosed/managed per HUD/NSPIRE lead protocols."
],
"confidence": 0.65,
"assumptions": [
"Appliances (stove, refrigerator) are not visible in the photos; assume they may be missing and would be provided or installed prior to tenancy or replaced as a moderate repair.",
"Floor vents and a thermostat-like device suggest central HVAC exists; assume heating/cooling system is present but untested (no condensing unit or furnace shown).",
"Electrical service and panel are present and intact although not pictured; assume no visible dangerous exposed wiring inside living spaces.",
"No active roof leaks or interior water stains are visible; assume roof is watertight at time of photos.",
"Bedrooms have adequately sized egress windows based on visible double-hung windows; assume they meet minimum egress for bedrooms but must be measured on-site.",
"No visible major mold, but carpet stains could indicate prior spills or localized moisture — assume no widespread hazardous mold unless further inspection shows otherwise.",
"The water heater visible in photos is functional and provides hot water (assumption until tested).",
"The property has been rented recently (rental_history_last_5y present) indicating occupancy and prior pass history, which suggests basic systems were operational in 2025."
],
"overall_score": 78.0,
"rubric_version": "nsPIRE-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1400 Gulfport St, Birmingham, AL, 35224",
"aggregate": {
"summary": "Overall this 3-bed single-family appears moderately turnkey for Section 8 inspection: cosmetic updates are good, systems and envelope look intact, and recent rental history is a plus. Primary inspection risks are missing/verifiable safety devices (no CO alarm shown, kitchen GFCI not evident), absence of photographed HVAC and electrical panel (cannot confirm operation/condition), and some carpet cleaning/spot repairs. With targeted fixes—install GFCI outlets where required, add CO detectors if a fuel-burning appliance exists, confirm HVAC and electrical service operation, and replace/clean carpets—this property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 77.0,
"rationale": "Interior and exterior appear recently updated and generally serviceable. Kitchen cabinets, counters and double sink are present and in good cosmetic condition. Carpets show staining and will need cleaning or replacement. No stove or refrigerator are visible in the photos — missing appliances reduce readiness moderately. Minor cosmetic repairs (scuffed trim, paint touch-up, small concrete/step repair) are present but no widespread deferred maintenance is visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate hazards",
"score": 78.3,
"rationale": "Vinyl siding and brick skirt look intact; foundation cinder blocks show no visible major cracks. Yard and walkways are slightly overgrown but serviceable. Chain-link fence and site are generally tidy. Steps/porch have a handrail on one side; minor concrete and brick wear at steps noted. Overhead service and satellite cabling attach at roof edge but appear typical and not obviously hazardous from photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 68.3,
"rationale": "A working smoke alarm is visible in the living area. Bathroom fixtures, tub/shower and toilet are present. Windows appear of reasonable size for egress in bedrooms/living areas. However key safety items are not verifiable or appear missing: no carbon monoxide detector is visible (important if fuel-burning water heater or furnace present), kitchen countertop outlets do not show visible GFCI protection, and the electrical panel/grounding and condition of circuit protection were not shown. Porch has a handrail on one side; steps show minor concrete damage. No active leaks, collapsed ceilings, or major structural sagging were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, water heater, roof)",
"score": 67.7,
"rationale": "Roof shingles and soffit look in good visual condition. A water heater is visible in the utility area and appears newer (tag visible), suggesting water heating is present. Floor vents in living areas indicate a central HVAC/duct system is present, but neither HVAC equipment nor the electrical service/panel was photographed so operation and condition cannot be confirmed. Plumbing fixtures appear intact. Because key system components (furnace/AC unit, electrical panel) were not shown, some inspection risk remains."
}
],
"red_flags": [],
"confidence": 0.77,
"assumptions": [
"Central heating/AC is present and connected (inferred from visible floor vents), but operational status was not shown.",
"The water heater visible in photos is a fuel-burning (likely gas) or modern unit located in the utility area; because venting is visible in the photo, a carbon monoxide alarm will likely be required inside the unit area/adjacent living space.",
"No stove or refrigerator were provided with the unit as photographed; landlord will need to provide or document appliance availability for move-in.",
"Electrical panel and main service are present on the property but were not photographed; there were no visible interior exposed live wires in the provided photos.",
"Bedroom windows meet egress dimensions based on appearance, but exact opening sizes were not measured.",
"Porch handrail is present on one side; its fastening condition was not fully verified."
],
"score_method": "mean_of_criteria",
"overall_score": 72.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7273580417"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.