Property ID: 7274038981
700 18th Place Ln SW, Birmingham, AL, 35211
Birmingham, AL
Money Down: $25,200
CoC Return: 14.12%
Monthly Cash Flow: $297
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,000
Closing Costs
$4,200
Total Down
$25,200
Investment Snapshot
Purchase Price
$105,000
Money Down
$25,200
Cash-on-Cash Return
14.12%
Rent
$1,061
Monthly Cash Flow
$297
Annual Cash Flow
$3,559
Debt Service / Mo
$559
Property Tax / Mo
$55
Insurance / Mo
$44
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,061
Payment Standard
$1,584
Rent
$1,061
Insurance
$44
Property Tax
$55
Management
$106
Utilities Allowance
$523
NOI (Monthly)
$855
Debt Service
$559
Cash Flow After Debt
$297
Quality Score: 72.00%
Confidence: 89.00%
Based on exterior photos and listing information, this tenant-occupied 3BR/2BA property appears to be a generally serviceable, income-producing unit with mostly cosmetic and mid-level maintenance needs. Major systems (HVAC, electric service, roof) show no catastrophic failure in photos, but several NSPIRE-required interior checks (smoke/CO alarms, GFCI, egress window dimensions, hot water and plumbing operation) cannot be verified. Expect a moderate pre-inspection checklist: clean/mildew removal, repair/replace a few exterior items (fence, minor trim), driveway/step patching as needed, and on-site verification of detectors, GFCI, and plumbing. Likely passable with minor repairs and typical documentation if interior systems and detectors are present and functioning; plan for a 1–4 week readiness window depending on interior condition findings.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,061
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$105,000
Beds
3
Baths
2
Living Area
1,152 sqft
Lot Size
2,614 sqft
Year Built
1987
Days on Market
17
Capital Outlay
$25,200
Debt Service
$559
Property Tax / Mo
$55
Insurance / Mo
$44
Property Description
TURNKEY RENTAL - STABLE INCOME - PORTFOLIO OPPORTUNITY. Tenant-occupied, income-producing property offered as part of a portfolio of four properties, or available for individual purchase. This home features 3 bedrooms and 2 bathrooms with 1,152 sq ft of living space. Currently occupied by a long-term Section 8 tenant with monthly rent of $1,275. Don't miss this opportunity to add a solid cash-flowing asset to your portfolio. Do not disturb tenant. Showings by appointment only.
Utility Allowances
Heating
$93
Property has central heating. Fuel type is not specified. Electric heating (Elec Heat: Ala Power) was selected as it is a common option and the more expensive choice available in the schedule.
Cooling
$22
Property has Central Air Conditioning. The 'A/C: Alabama Power' option was selected as the appropriate electric provider for Birmingham.
Water Heating
$56
Property details specify an 'Electric Water Heater'. The 'Elec: Ala Power' option was selected for a 3-bedroom unit.
Cooking
$21
A stove is not listed as a provided appliance. The allowance for a tenant-provided electric range ('Elec: Ala Power') was selected, consistent with other electric utilities.
Other Electric
$68
This covers general electricity for lights and outlets. The 'Lights, Ref, Etc.: Ala Power' option was chosen for a 3-bedroom unit.
Water
$78
Property has 'Public Water' and is in Birmingham. The 'Water: Birmingham' option was selected from the schedule.
Sewer
$151
Property is listed as 'Sewer: Connected'. The schedule provides a single fixed rate for a 3-bedroom unit.
Trash Collection
$20
The property is in Birmingham. The 'Jefferson City (Once per week)' option was selected as a reasonable proxy for municipal trash service, as a specific 'Birmingham' entry is not available in the schedule.
Refrigerator
$8
A refrigerator is not listed as a provided appliance. The fixed allowance for a tenant-owned refrigerator is included as per the rules.
Range/Microwave
$6
A microwave is not listed as a provided appliance. The fixed allowance for a tenant-owned microwave is included.
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$399
DP3 Annual Estimate$659
DP1 Monthly Equivalent$33
DP3 Monthly Equivalent$55
Replacement Value$37,000
Basis1,152 sqft / 1987
Nearby Houses
Photo unavailable
722 SW 18th Pl
sold · 0.05 mi
Price: $30,000
3 bd / 1 ba · 1,204 sqft
Latest sale: $30,000 on Jun 30, 2025
Latest rent: —
Photo unavailable
724 18th Pl SW
sold · 0.06 mi
Price: $48,900
4 bd / 2 ba · 1,508 sqft
Latest sale: $48,900 on Feb 06, 2026
Latest rent: —
Photo unavailable
704 18th Way Ln SW
sold · 0.06 mi
Price: $119,900
3 bd / 2 ba · 1,128 sqft
Latest sale: $119,900 on May 23, 2025
Latest rent: —
Photo unavailable
800 19th St SW
sold · 0.11 mi
Price: $6,500
2 bd / 1 ba · 776 sqft
Latest sale: $6,500 on Aug 03, 2018
Latest rent: $100 on Oct 11, 2018
Photo unavailable
1784 Steiner Ave SW
sold · 0.12 mi
Price: $108,000
3 bd / 2 ba · 1,734 sqft
Latest sale: $108,000 on Apr 28, 2020
Latest rent: —
Photo unavailable
601 19th St SW
for_sale · 0.12 mi
Price: $90,000
2 bd / 1 ba · 672 sqft
Latest sale: $40,000 on Mar 15, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos were not provided; assume interior is in average tenant-occupied condition consistent with a long-term Section 8 tenancy and listing 'turnkey' claim.
- Smoke detectors, carbon monoxide detectors (if required locally), and basic appliances may be present given active Section 8 tenancy, but their placement and functionality are unverified and must be confirmed on-site.
- HVAC is present and functional because an exterior HVAC condenser is visible; exact age and heating function (furnace) are unknown.
- No visible structural sagging, foundation movement, collapsed ceilings, or active roof leaks in provided photos; assume none severe but roof shows age-related wear that may require future maintenance.
- Electrical service appears intact at the meter and conduit; assume interior electrical panel is accessible and not showing severe hazards unless an on-site inspection finds otherwise.
- No recent documented rental history within the last 5 years from the provided snapshot (last event 2018), despite listing stating current Section 8 tenant occupancy.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $645 | $44,500 | $8,900 |
| 2023 | $645 | $44,500 | $8,900 |
| 2022 | $609 | $42,000 | $8,400 |
| 2021 | $497 | $34,300 | $6,860 |
| 2020 | $513 | $35,400 | $7,080 |
| 2019 | $513 | $35,400 | $7,080 |
| 2018 | $450 | $31,100 | $6,220 |
| 2017 | $484 | $33,400 | $6,680 |
| 2016 | $456 | $31,500 | $6,300 |
| 2015 | $456 | $31,500 | $6,300 |
| 2013 | $155 | $29,900 | $5,980 |
| 2012 | $155 | $31,100 | $3,110 |
| 2011 | $201 | $38,400 | $3,840 |
| 2010 | $296 | $52,200 | $5,220 |
| 2009 | $291 | $51,600 | $5,160 |
| 2008 | $300 | $52,800 | $5,280 |
| 2007 | $285 | $50,700 | $5,070 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-03-26 | Sold | $93,000 |
| 2017-09-27 | Sold | $55,900 |
| 2017-03-06 | Sold | $15,225 |
| 2013-10-17 | Sold | $20,957 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2018-07-02 | Listed for rent | $800 | — |
| 2018-04-12 | Listed for rent | $800 | — |
| 2017-09-27 | Listed for rent | $800 | — |
Photo Gallery
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"insurance_monthly": 44.08,
"monthly_cash_flow": 855.45,
"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 has central heating. Fuel type is not specified. Electric heating (Elec Heat: Ala Power) was selected as it is a common option and the more expensive choice available in the schedule.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has Central Air Conditioning. The 'A/C: Alabama Power' option was selected as the appropriate electric provider for Birmingham.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property details specify an 'Electric Water Heater'. The 'Elec: Ala Power' option was selected for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "A stove is not listed as a provided appliance. The allowance for a tenant-provided electric range ('Elec: Ala Power') was selected, consistent with other electric utilities.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "This covers general electricity for lights and outlets. The 'Lights, Ref, Etc.: Ala Power' option was chosen for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has 'Public Water' and is in Birmingham. The 'Water: Birmingham' option was selected from the schedule.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is listed as 'Sewer: Connected'. The schedule provides a single fixed rate for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is in Birmingham. The 'Jefferson City (Once per week)' option was selected as a reasonable proxy for municipal trash service, as a specific 'Birmingham' entry is not available in the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance. The fixed allowance for a tenant-owned refrigerator is included as per the rules.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance. The fixed allowance for a tenant-owned microwave is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.49,
"down_payment_amount": 21000.0,
"property_tax_annual": 664.35,
"property_tax_monthly": 55.36,
"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": 3559.2,
"property_management_monthly": 106.1,
"monthly_cash_flow_after_debt": 296.6,
"cash_on_cash_return_after_debt": 0.17
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and listing information, this tenant-occupied 3BR/2BA property appears to be a generally serviceable, income-producing unit with mostly cosmetic and mid-level maintenance needs. Major systems (HVAC, electric service, roof) show no catastrophic failure in photos, but several NSPIRE-required interior checks (smoke/CO alarms, GFCI, egress window dimensions, hot water and plumbing operation) cannot be verified. Expect a moderate pre-inspection checklist: clean/mildew removal, repair/replace a few exterior items (fence, minor trim), driveway/step patching as needed, and on-site verification of detectors, GFCI, and plumbing. Likely passable with minor repairs and typical documentation if interior systems and detectors are present and functioning; plan for a 1–4 week readiness window depending on interior condition findings.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 70.0,
"rationale": "Exterior photos show a tenant-occupied home with intact vinyl siding, windows and roofline but visible deferred-maintenance signs: mildew/staining on siding, cracked driveway, a damaged/leaning fence panel, dirty/aged roof shingles with dark streaking, and minor trim wear. No evidence of collapsed surfaces, large holes, or severe decay. Listing describes property as turnkey and currently occupied by a long-term tenant, reducing likelihood of missing basic appliances or extreme interior damage. Overall condition suggests mostly cosmetic and mid-level maintenance items rather than major structural repair."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "From exterior images: electrical service and meter are present and appear intact; no obvious open electrical panel or burning. Overhead service and multiple coax/data cables are attached to the house and run along siding — visible but not clearly hazardous in photos (needs on-site check). No visible standing water, collapsed ceilings, foundation displacement or sagging roofs. Entry appears to have secure metal security doors. Unknowns: presence and placement of smoke/CO detectors, GFCI protection in kitchen/baths, working hot water, functional plumbing, and adequate bedroom egress dimensions (dormer windows present but egress size not verifiable). Minor trip hazards exist at cracked concrete. Because many required safety items cannot be verified from exterior photos, I assume some standard safety items are present given current Section 8 tenancy but rate a moderate risk for NSPIRE noncompliance until interior inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Roof appears aged with staining but no visible large missing-shingle areas or sagging; likely serviceable but near mid-life replacement. An exterior A/C condensing unit is visible indicating HVAC presence; no obvious signs of non-function. Electrical service and meter are present and anchored; conduit and cable routing visible on exterior. Plumbing and water heater conditions are not visible. Given tenant occupancy and no visible major system failures, rate systems as generally serviceable but with typical age-related risk and need for on-site verification (operation checks, water heater, GFCI, distribution plumbing)."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 75.0,
"rationale": "Lot is maintained at a basic level with mowed grass and usable driveway/parking. Walkway and driveway show cracking but are functional. Small section of wood fence is leaning/damaged and should be repaired or removed. Siding is intact overall though shows mildew and staining in places indicating minor drainage or splashback issues. No visible heavy overgrowth, rodent infestation signs, standing water, or large grade/foundation displacement on the exterior photographs."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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": [],
"confidence": 0.6,
"assumptions": [
"Interior photos were not provided; assume interior is in average tenant-occupied condition consistent with a long-term Section 8 tenancy and listing 'turnkey' claim.",
"Smoke detectors, carbon monoxide detectors (if required locally), and basic appliances may be present given active Section 8 tenancy, but their placement and functionality are unverified and must be confirmed on-site.",
"HVAC is present and functional because an exterior HVAC condenser is visible; exact age and heating function (furnace) are unknown.",
"No visible structural sagging, foundation movement, collapsed ceilings, or active roof leaks in provided photos; assume none severe but roof shows age-related wear that may require future maintenance.",
"Electrical service appears intact at the meter and conduit; assume interior electrical panel is accessible and not showing severe hazards unless an on-site inspection finds otherwise.",
"No recent documented rental history within the last 5 years from the provided snapshot (last event 2018), despite listing stating current Section 8 tenant occupancy."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and the listing note that the unit is currently occupied under Section 8, this property appears broadly rent‑ready with mostly minor exterior repairs and routine system servicing needed. Visible issues are cosmetic/maintenance (roof aging, siding staining, cracked driveway, degraded fence). There are no obvious major structural failures or life‑safety conditions in the photos. Critical NSPIRE items that cannot be confirmed from photos (smoke/CO detectors, GFCIs, hot water, interior exposed wiring, bedroom egress sizing) should be verified during an interior inspection. Likely outcome: with confirmation of working detectors/plumbing and minor exterior fixes the property would probably pass an initial HCV inspection; estimate turnkey readiness within 1–4 weeks pending interior verification and small repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Visible Repairs",
"score": 75.0,
"rationale": "Exterior appears generally intact with vinyl siding in place and windows unbroken. Visible issues are largely cosmetic and deferred-maintenance: siding staining/green algae on the south side, worn/aged shingles with dark staining, cracked concrete driveway/walkway and a deteriorated short fence panel. No visible collapsed elements or major structural deterioration. Missing interior fixtures/appliances cannot be confirmed from photos; listing notes an occupied, turnkey Section 8 tenant which suggests interiors are serviceable. These items are mostly easy-to-fix or capital replacements rather than structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Concerns (NSPIRE)",
"score": 78.0,
"rationale": "No visible life‑threatening hazards in exterior photos: no collapsed ceilings, standing water, or major foundation displacement. Exterior electrical meter and conduit appear professionally installed; some low-running coax/wires are visible but not clearly hazardous. Entry has a security door and appears secure. Critical items that determine NSPIRE compliance (smoke/CO detectors, GFCIs, plumbing/water temperature, interior exposed wiring, egress window sizing) are not observable in photos. Because the unit is advertised as currently occupied under Section 8, reasonable inference is that previous inspections were passed and detectors/plumbing are functional, so moderate risk is assumed. If any interior detectors or GFCIs are missing they would be straightforward fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 75.0,
"rationale": "Roof shingles appear aged with staining and likely nearing typical replacement timeframe but show no obvious sagging or large missing sections in photos. An exterior A/C condenser is visible indicating presence of HVAC; electrical meter and conduit look intact. Interior systems (hot water heater, electrical panel condition, plumbing leaks) are not visible. Given tenant-occupied Section 8 status and lack of visible failure indicators, assume systems are operational but some capital replacement (roof within medium term) and routine servicing likely required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Lot is level and yard appears maintained. Walkway and driveway show cracking and some settlement that could create trip hazards. Small front step has no visible handrail but the rise is low; this is typically not a fatal NSPIRE failure but should be checked. Vinyl siding generally intact though dirty and areas with algae/staining. Short segment of wooden fence is degraded and should be replaced. No obvious pest infestation, major drainage pooling, or severe foundation exposure visible."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Inspection History (bonus)",
"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": [
"Property is currently tenant‑occupied under Section 8 and has previously passed whatever local HQS/NSPIRE inspection(s) required to enroll the tenant.",
"Interior systems essential to NSPIRE (smoke detectors, functioning plumbing and hot water, electrical panel without exposed live wiring, operable windows/egress) are present and functional unless an otherwise visible exterior indicator suggests otherwise.",
"HVAC is present and operational (exterior condenser is visible in photos).",
"Roof is aged but not actively leaking (no visible water stains or sagging shown in exterior photos); it will likely need replacement within a medium term but not immediate catastrophic repair.",
"Electrical meter and conduit on exterior are serviceable and not a code-critical hazard; any small unsecured low-voltage/coax wiring observed is not an immediate NSPIRE failure but should be tidied."
],
"overall_score": 75.0,
"rubric_version": "2026-02_hud_nspire_v1"
},
{
"summary": "This is a currently tenant‑occupied, long‑term Section 8 rental that appears mostly turnkey from exterior photos. No immediate catastrophic or life‑safety failures are visible; the house shows typical deferred maintenance (roof staining/age, mildew on siding, cracked driveway, leaning fence panel). The primary inspection risks are unknown interior compliance items that cannot be confirmed from photos: smoke/CO detectors, interior electrical panel condition, and especially egress adequacy for upstairs dormer bedrooms and the potential for non‑quick‑release window security bars. Expect a likely initial NSPIRE inspection pass after addressing any egress or window‑bar quick‑release issues and performing routine exterior maintenance. Overall readiness estimate: minor repairs/verification likely required (rent‑ready within ~30 days if interior systems are functional).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior photos show generally intact vinyl siding and windows but with visible mildew/algae staining at the base of the siding, cracked concrete driveway, a leaning/partially failed wooden privacy panel, and worn entry thresholds. Roof shingles show widespread dark staining (age/algae) but no visible sagging or collapsed areas. No interior photos provided; listing claims turnkey and currently tenant-occupied which suggests interior is in serviceable condition. These are mostly minor to moderate deferred maintenance items that should be addressed before turnover but are not structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No life‑threatening hazards are visible in exterior imagery (no collapsed ceilings, standing water, or obvious active leaks). Exterior electrical meter and conduit appear present and intact; however there are several unknowns: presence and placement of smoke/CO detectors, condition of interior electrical panel, and whether window security bars (visible on lower windows) have quick‑release for emergency egress. The upstairs dormer windows may not meet egress requirements for bedrooms — a common NSPIRE fail point for homes with dormer bedrooms. Overall a moderate inspection risk primarily driven by unknown interior smoke/CO/egress compliance and potential non‑compliant window bars."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 75.0,
"rationale": "An exterior HVAC condenser is visible, indicating a forced‑air system likely present. Electric service meter and conduit are present and appear connected. Roof shows age and staining which suggests remaining life may be limited, but there are no visible active leaks or sagging. Plumbing, water heater and interior HVAC operation cannot be verified from photos; listing states tenant-occupied (Section 8) which implies systems were functional for tenancy. Given visible systems and lack of obvious failures, rate as generally serviceable with moderate near‑term capital risk (roof)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Lot, yard and sidewalks are intact. Driveway shows cracking and surface spalling. Vinyl siding overall appears sound though dirty at the base; small areas of trim and a short wood privacy panel are damaged/leaning. Trees are close to the roof which can increase debris and roof wear. No obvious foundation settlement, large exterior cracks, or standing water noted in photos. Site condition is fair but needs routine maintenance and minor repairs."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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 non‑compliant bedroom egress for second‑floor dormer bedrooms (common fail on dormer conversions).",
"Window security bars visible on lower windows — may fail NSPIRE if not quick‑release for egress.",
"Roof shows widespread staining/age; while not visibly failed, condition suggests near‑term replacement may be required and could reveal leaks on closer inspection."
],
"confidence": 0.65,
"assumptions": [
"Interior condition, presence/placement of smoke detectors and carbon monoxide alarms, plumbing fixtures, working hot water and interior electrical panel condition are not visible; assumed serviceable because property is tenant‑occupied and listed as turnkey.",
"An exterior HVAC condenser visible in photos indicates an installed HVAC system that is assumed operational unless otherwise discovered at inspection.",
"Upstairs dormer windows are assumed to be serving bedrooms (common in this floorplan) — egress adequacy could be problematic but cannot be confirmed from exterior photos.",
"Window security bars visible on lower windows may be decorative; assume they might not have quick‑release mechanisms unless verified.",
"Listing statement that the unit is occupied by a long‑term Section 8 tenant is accurate and indicates the unit previously passed a voucher inspection (though the date and any subsequent changes are unknown)."
],
"overall_score": 71.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "700 18th Place Ln SW, Birmingham, AL, 35211",
"aggregate": {
"summary": "Based on exterior photos and listing information, this tenant-occupied 3BR/2BA property appears to be a generally serviceable, income-producing unit with mostly cosmetic and mid-level maintenance needs. Major systems (HVAC, electric service, roof) show no catastrophic failure in photos, but several NSPIRE-required interior checks (smoke/CO alarms, GFCI, egress window dimensions, hot water and plumbing operation) cannot be verified. Expect a moderate pre-inspection checklist: clean/mildew removal, repair/replace a few exterior items (fence, minor trim), driveway/step patching as needed, and on-site verification of detectors, GFCI, and plumbing. Likely passable with minor repairs and typical documentation if interior systems and detectors are present and functioning; plan for a 1–4 week readiness window depending on interior condition findings.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 71.7,
"rationale": "Exterior photos show a tenant-occupied home with intact vinyl siding, windows and roofline but visible deferred-maintenance signs: mildew/staining on siding, cracked driveway, a damaged/leaning fence panel, dirty/aged roof shingles with dark streaking, and minor trim wear. No evidence of collapsed surfaces, large holes, or severe decay. Listing describes property as turnkey and currently occupied by a long-term tenant, reducing likelihood of missing basic appliances or extreme interior damage. Overall condition suggests mostly cosmetic and mid-level maintenance items rather than major structural repair."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 72.3,
"rationale": "Lot is maintained at a basic level with mowed grass and usable driveway/parking. Walkway and driveway show cracking but are functional. Small section of wood fence is leaning/damaged and should be repaired or removed. Siding is intact overall though shows mildew and staining in places indicating minor drainage or splashback issues. No visible heavy overgrowth, rodent infestation signs, standing water, or large grade/foundation displacement on the exterior photographs."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 71.0,
"rationale": "From exterior images: electrical service and meter are present and appear intact; no obvious open electrical panel or burning. Overhead service and multiple coax/data cables are attached to the house and run along siding — visible but not clearly hazardous in photos (needs on-site check). No visible standing water, collapsed ceilings, foundation displacement or sagging roofs. Entry appears to have secure metal security doors. Unknowns: presence and placement of smoke/CO detectors, GFCI protection in kitchen/baths, working hot water, functional plumbing, and adequate bedroom egress dimensions (dormer windows present but egress size not verifiable). Minor trip hazards exist at cracked concrete. Because many required safety items cannot be verified from exterior photos, I assume some standard safety items are present given current Section 8 tenancy but rate a moderate risk for NSPIRE noncompliance until interior inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 73.3,
"rationale": "Roof appears aged with staining but no visible large missing-shingle areas or sagging; likely serviceable but near mid-life replacement. An exterior A/C condensing unit is visible indicating HVAC presence; no obvious signs of non-function. Electrical service and meter are present and anchored; conduit and cable routing visible on exterior. Plumbing and water heater conditions are not visible. Given tenant occupancy and no visible major system failures, rate systems as generally serviceable but with typical age-related risk and need for on-site verification (operation checks, water heater, GFCI, distribution plumbing)."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Interior photos were not provided; assume interior is in average tenant-occupied condition consistent with a long-term Section 8 tenancy and listing 'turnkey' claim.",
"Smoke detectors, carbon monoxide detectors (if required locally), and basic appliances may be present given active Section 8 tenancy, but their placement and functionality are unverified and must be confirmed on-site.",
"HVAC is present and functional because an exterior HVAC condenser is visible; exact age and heating function (furnace) are unknown.",
"No visible structural sagging, foundation movement, collapsed ceilings, or active roof leaks in provided photos; assume none severe but roof shows age-related wear that may require future maintenance.",
"Electrical service appears intact at the meter and conduit; assume interior electrical panel is accessible and not showing severe hazards unless an on-site inspection finds otherwise.",
"No recent documented rental history within the last 5 years from the provided snapshot (last event 2018), despite listing stating current Section 8 tenant occupancy."
],
"score_method": "mean_of_criteria",
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7274038981"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.