Property ID: 7275767736
905 Burwell St, Birmingham, AL, 35221
Birmingham, AL
Money Down: $29,976
CoC Return: 4.35%
Monthly Cash Flow: $109
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,980
Closing Costs
$4,996
Total Down
$29,976
Investment Snapshot
Purchase Price
$124,900
Money Down
$29,976
Cash-on-Cash Return
4.35%
Rent
$995
Monthly Cash Flow
$109
Annual Cash Flow
$1,303
Debt Service / Mo
$665
Property Tax / Mo
$63
Insurance / Mo
$59
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$995
Payment Standard
$1,518
Rent
$995
Insurance
$59
Property Tax
$63
Management
$100
Utilities Allowance
$523
NOI (Monthly)
$773
Debt Service
$665
Cash Flow After Debt
$109
Quality Score: 76.50%
Confidence: 90.00%
Remodeled single-story home that appears mostly turnkey for Section 8 leasing with minor items to verify. Cosmetic renovation and presence of key fixtures (range, sink, vents) are positives. Primary inspection risks are unverified safety/system items (smoke/CO detectors, GFCI outlets, egress compliance for jalousie windows, electrical panel and water heater operation). Likely passable after a short verification/fix list; estimated rent-ready timeline 1–4 weeks depending on verification of detectors and minor appliance/egress fixes.
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
$124,900
Beds
3
Baths
1
Living Area
870 sqft
Lot Size
9,583 sqft
Year Built
1962
Days on Market
32
Capital Outlay
$29,976
Debt Service
$665
Property Tax / Mo
$63
Insurance / Mo
$59
Property Description
Looking for creative financing? Bring all offers! Seller willing to consider seller-held mortgage and other types of financing to put you in this home. This is a beautifully remodeled single-level home that's move-in ready and full of charm! This 3-bedroom, 1-bath residence offers plenty of room and thoughtfully updated living space. Step inside to discover a bright formal living and dining area that flows into a quaint, efficient kitchen - perfect for home-cooked meals or quiet mornings with coffee. Every inch has been refreshed from floor to ceiling, giving the home a fresh, modern feel while maintaining its cozy character. The spacious layout and single-level design make this an excellent choice for first-time buyers, those looking to downsize, or investors seeking a low-maintenance rental property in a convenient Birmingham location. With its inviting atmosphere and stylish finishes, 905 Burwell St is ready to welcome you home!
Utility Allowances
Heating
$93
Selected 'Elec Heat: Ala Power' as property has central heating and other major appliances (stove, water heater) are electric, making an all-electric setup likely. Alabama Power is the primary provider for Birmingham.
Cooling
$22
Selected 'A/C: Alabama Power' as property has central air conditioning, which is electric, and Alabama Power is the primary provider for Birmingham.
Water Heating
$56
Selected 'Elec: Ala Power' as the property listing explicitly states an 'Electric Water Heater'.
Cooking
$21
Selected 'Elec: Ala Power' as the property listing explicitly states 'Stove-Electric'.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for general electricity use, as Alabama Power is the primary provider in the area.
Water
$78
Selected 'Water: Birmingham' as the property has 'Public Water' and is located within the city of Birmingham.
Sewer
$151
Selected the standard sewer allowance as the property listing states it is 'Sewer: Connected'.
Trash Collection
$20
Selected 'Jefferson City (Once per week)' as the most fitting general option for a property in Birmingham, Jefferson County.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so the allowance for a tenant-owned unit is included as per the schedule.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so the allowance for a tenant-owned unit is included as per 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$564
DP3 Annual Estimate$843
DP1 Monthly Equivalent$47
DP3 Monthly Equivalent$70
Replacement Value$59,700
Basis870 sqft / 1962
Nearby Houses
Photo unavailable
722 New Hill Way
sold · 0.02 mi
Price: $15,000
3 bd / 2 ba · 1,218 sqft
Latest sale: $15,000 on Sep 24, 2018
Latest rent: $625 on Mar 01, 2016
Photo unavailable
908 Burwell St
sold · 0.04 mi
Price: $124,900
3 bd / 1 ba · 864 sqft
Latest sale: $124,900 on Jun 30, 2025
Latest rent: $1,300 on Apr 19, 2025
Photo unavailable
917 Burwell St SW
sold · 0.04 mi
Price: $83,000
4 bd / 2 ba · 2,424 sqft
Latest sale: $83,000 on Mar 10, 2021
Latest rent: —
Photo unavailable
916 Burwell St
sold · 0.06 mi
Price: $34,500
3 bd / 1 ba
Latest sale: $34,500 on Nov 30, 2016
Latest rent: —
Photo unavailable
906 Eagan Ln SW
sold · 0.08 mi
Price: $143,000
4 bd / 2 ba · 1,630 sqft
Latest sale: $143,000 on Sep 29, 2023
Latest rent: —
Photo unavailable
815 Dandridge Rd
sold · 0.10 mi
Price: $90,000
5 bd / 4 ba · 2,459 sqft
Latest sale: $90,000 on Dec 21, 2018
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC exists and is operational based on visible ceiling return/supply grilles.
- Electric range and kitchen sink are operational as shown; refrigerator is not present in photos.
- Smoke and carbon monoxide detectors are not visible in photos and should be verified/installed as required by local code/HUD.
- Electrical panel, water heater, furnace/air handler, and GFCI outlets were not photographed and their condition is unknown.
- Windows are older horizontal/slat (jalousie) type which may not meet current bedroom egress requirements without verification.
- No evidence in photos of active roof leaks, foundation movement, severe mold, or major structural failure; absence of such conditions is assumed based on listing photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-09 | Sold | $35,000 |
Photo Gallery
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"href": "https://www.propertypanorama.com/instaview/bham/21440937"
}
],
"lead_attributes": {
"lead_type": "co_broke",
"market_type": "unity",
"show_contact_an_agent": true,
"is_veterans_united_eligible": true
},
"search_promotions": null,
"price_reduced_amount": 10000,
"property_tax_history": {
"home": {
"status": "for_sale",
"tax_history": null,
"property_history": [
{
"date": "2026-02-05",
"price": 124900,
"listing": {
"status": "for_sale",
"list_date": "2026-01-15T18:48:59Z",
"list_price": 124900,
"listing_id": "2990322382",
"last_update_date": "2026-02-16T02:04:06Z",
"last_status_change_date": "2026-01-15T18:48:59Z"
},
"event_name": "Price Changed",
"price_sqft": 143.5632183908046,
"source_name": "GreaterAlabamaMLS",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "21440937",
"price_change_percentage": null
},
{
"date": "2026-01-15",
"price": 134900,
"listing": {
"status": "for_sale",
"list_date": "2026-01-15T18:48:59Z",
"list_price": 124900,
"listing_id": "2990322382",
"last_update_date": "2026-02-16T02:04:06Z",
"last_status_change_date": "2026-01-15T18:48:59Z"
},
"event_name": "Listed",
"price_sqft": 155.05747126436782,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21440937",
"price_change_percentage": "+285.43%"
},
{
"date": "2025-10-09",
"price": 35000,
"listing": {
"status": "sold",
"list_date": "2025-04-17T14:34:04Z",
"list_price": 59500,
"listing_id": "2966476963",
"last_update_date": "2025-10-09T13:31:21Z",
"last_status_change_date": "2025-10-09T14:20:43Z"
},
"event_name": "Sold",
"price_sqft": 40.50925925925926,
"source_name": "GreaterAlabamaMLS",
"price_change": -24500,
"days_after_listed": "175 days",
"source_listing_id": "21383449",
"price_change_percentage": "-41.18%"
},
{
"date": "2025-04-17",
"price": 59500,
"listing": {
"status": "sold",
"list_date": "2025-04-17T14:34:04Z",
"list_price": 59500,
"listing_id": "2966476963",
"last_update_date": "2025-10-09T13:31:21Z",
"last_status_change_date": "2025-10-09T14:20:43Z"
},
"event_name": "Listed",
"price_sqft": 68.86574074074075,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21383449",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7275767736",
"generated_at": "2026-02-16T03:22:03.823009Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 76.5
},
"utility_allowance": {
"zip_code": "35221",
"home_photo": "https://ap.rdcpix.com/8ebb1e9a10dbb0419745880d243a9c0dl-m2443489807s-w1280.jpg",
"rent_price": 995.0,
"loan_amount": 99920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/905-Burwell-St_Birmingham_AL_35221_M72757-67736",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 124900.0,
"loan_term_years": 30,
"annual_cash_flow": 9280.61,
"mortgage_monthly": 664.77,
"payment_standard": 1518.0,
"total_amount_out": 24980.0,
"additional_photos": [
"https://ap.rdcpix.com/8ebb1e9a10dbb0419745880d243a9c0dl-m4001588093s-w1280.jpg",
"https://ap.rdcpix.com/8ebb1e9a10dbb0419745880d243a9c0dl-m3521037800s-w1280.jpg",
"https://ap.rdcpix.com/8ebb1e9a10dbb0419745880d243a9c0dl-m565228140s-w1280.jpg",
"https://ap.rdcpix.com/8ebb1e9a10dbb0419745880d243a9c0dl-m3038909206s-w1280.jpg",
"https://ap.rdcpix.com/8ebb1e9a10dbb0419745880d243a9c0dl-m1300952994s-w1280.jpg",
"https://ap.rdcpix.com/8ebb1e9a10dbb0419745880d243a9c0dl-m3267848640s-w1280.jpg",
"https://ap.rdcpix.com/8ebb1e9a10dbb0419745880d243a9c0dl-m1874065650s-w1280.jpg",
"https://ap.rdcpix.com/8ebb1e9a10dbb0419745880d243a9c0dl-m1338470436s-w1280.jpg",
"https://ap.rdcpix.com/8ebb1e9a10dbb0419745880d243a9c0dl-m2890522356s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 58.62,
"monthly_cash_flow": 773.38,
"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 'Elec Heat: Ala Power' as property has central heating and other major appliances (stove, water heater) are electric, making an all-electric setup likely. Alabama Power is the primary provider for Birmingham.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Selected 'A/C: Alabama Power' as property has central air conditioning, which is electric, and Alabama Power is the primary provider for Birmingham.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' as the property listing explicitly states an 'Electric Water Heater'.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Elec: Ala Power' as the property listing explicitly states 'Stove-Electric'.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for general electricity use, as Alabama Power is the primary provider in the area.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Selected 'Water: Birmingham' as the property has 'Public Water' and is located within the city of Birmingham.",
"utility": "Water",
"allowance": 78
},
{
"note": "Selected the standard sewer allowance as the property listing states it is 'Sewer: Connected'.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Jefferson City (Once per week)' as the most fitting general option for a property in Birmingham, Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance, so the allowance for a tenant-owned unit is included as per the schedule.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance, so the allowance for a tenant-owned unit is included as per the schedule.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.37,
"down_payment_amount": 24980.0,
"property_tax_annual": 761.89,
"property_tax_monthly": 63.49,
"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": null,
"annual_cash_flow_after_debt": 1303.37,
"property_management_monthly": 99.5,
"monthly_cash_flow_after_debt": 108.61,
"cash_on_cash_return_after_debt": 0.05
},
"section8_assessment": {
"runs": [
{
"summary": "Remodeled single-story home that appears mostly turnkey for Section 8 leasing with minor items to verify. Cosmetic renovation and presence of key fixtures (range, sink, vents) are positives. Primary inspection risks are unverified safety/system items (smoke/CO detectors, GFCI outlets, egress compliance for jalousie windows, electrical panel and water heater operation). Likely passable after a short verification/fix list; estimated rent-ready timeline 1–4 weeks depending on verification of detectors and minor appliance/egress fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos show a full cosmetic remodel: new paint, new-looking vinyl plank flooring, updated kitchen cabinets, countertop and backsplash, functioning electric range and hood. Porch railing appears recently installed. No visible major drywall damage, roof collapse, or severe deferred maintenance. Missing refrigerator (not pictured) and limited landscaping are minor issues that reduce score slightly but are easy/low-cost to remedy."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: stairs have rails, no collapsed ceilings, no standing water, and no visible exposed wiring. Bedroom/window egress uses older horizontal/slatted (jalousie-style) windows which sometimes fail modern egress requirements — this introduces moderate risk. Smoke/CO detectors are not visible in photos (assumed present but unverified). GFCI presence in kitchen/bath not confirmed. Deadbolt appears present on entry but electrical panel and other safety items not pictured. These unknowns lower the safety score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 75.0,
"rationale": "Supply/return vents visible in ceilings indicate central HVAC likely present; kitchen shows working electric range and vent hood. Roof shingles appear intact from photos; foundation/crawlspace vents present and no obvious settlement. Water heater, electrical panel, and furnace/air handler not shown so full operational status is unverified. Given the recent remodel appearance, systems likely functional but unconfirmed, so score is moderately high."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior brick and siding look intact, driveway and walkway present and serviceable, front porch and new railings are in good condition. Yard is mostly level with no visible standing water or severe erosion. Chain-link fencing and a backyard shed are visible. Landscaping is minimal but safe. No visible major exterior structural issues."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC exists and is operational based on visible ceiling return/supply grilles.",
"Electric range and kitchen sink are operational as shown; refrigerator is not present in photos.",
"Smoke and carbon monoxide detectors are not visible in photos and should be verified/installed as required by local code/HUD.",
"Electrical panel, water heater, furnace/air handler, and GFCI outlets were not photographed and their condition is unknown.",
"Windows are older horizontal/slat (jalousie) type which may not meet current bedroom egress requirements without verification.",
"No evidence in photos of active roof leaks, foundation movement, severe mold, or major structural failure; absence of such conditions is assumed based on listing photos."
],
"overall_score": 79.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears well-remodeled and close to turnkey for a Housing Choice Voucher inspection. Cosmetic updates are complete; major exterior elements and systems appear intact. Primary inspection risks are missing/undocumented smoke and CO alarms, uncertain bedroom egress due to jalousie/metal windows, and lack of visible GFCI outlets and system equipment (electrical panel, water heater). These are likely fixable with a short punchlist (install/verify alarms, confirm egress or replace/modify windows if needed, add GFCI protection) and should allow the unit to pass within 1–4 weeks once addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Photos and listing indicate a recent full cosmetic remodel: new-looking laminate flooring, fresh paint, updated kitchen cabinets, tile backsplash and a working electric range/hood. Exterior porch railings appear newly installed (raw wood) but need paint/stain. Landscaping is minimal but serviceable. No obvious interior water stains, collapsed ceilings, or exposed subfloor. Missing refrigerator (not pictured) — lowers turnkey readiness slightly but is an easy capital fix. Overall only minor finish items remain."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No visible smoke detectors or carbon monoxide detectors in photos (common NSPIRE failure point). Windows in living areas appear to be jalousie/metal-sash style — bedroom egress size and operation cannot be confirmed and could fail egress requirements. Entry has a standard lockset; a deadbolt is not clearly visible. Kitchen electrical outlets and GFCI protection near sink are not shown. No exposed wiring, major trip hazards, or obvious mold/moisture seen in photos. Because of absent/unclear required alarms and uncertain egress/GFCI, safety score is moderate and would likely require a brief punchlist prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Ceiling vents visible indicating central HVAC ducting/presence (system not pictured but vents suggest installed and recent work). Roof shingles appear intact in exterior photos with no visible sagging or active leaks. Kitchen fixtures and range present and look functional. Electrical panel and water heater are not shown; no visible electrical hazards in rooms photographed. Plumbing fixtures (bathroom not pictured) cannot be fully confirmed. Systems appear serviceable but several key system components are unverified from photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior brick and siding appear in good condition; driveway and sidewalk are intact and accessible. Front porch and steps are newly rebuilt and include guardrails; stairs have handrails. Foundation vents visible and no obvious major settlement or foundation cracks seen in provided images. Yard is clear of debris and there is off-street parking. Porch wood is unfinished and will need final paint/stain to protect wood, but no severe exterior deferred maintenance observed."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos (common NSPIRE fail).",
"Bedroom egress uncertain — jalousie/metal windows visible that may not meet egress size requirements.",
"No visible evidence of GFCI protection at kitchen sink/outlets (not shown) — potential code failure if absent.",
"Key systems (electrical panel, water heater) not photographed/verified; their condition must be confirmed before inspection."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (ceiling vents visible), even though the furnace/air handler is not pictured.",
"Hot water heater and main electrical panel exist and are functional but were not photographed.",
"Kitchen range/stove shown is functional; refrigerator is not present in photos and will likely be tenant-supplied or a landlord-provided capital item.",
"No active roof leaks or major hidden water intrusion exist beyond what is visible in photos; ceilings show no stains.",
"Bedrooms have at least one window each but egress compliance for bedrooms is uncertain due to jalousie-style windows.",
"Smoke and CO detectors were not photographed and are likely not installed or not visible; these should be considered missing until verified.",
"GFCI protection for kitchen and bathroom outlets is unknown and should be tested/installed if absent.",
"Front porch railings are newly installed but unfinished (raw wood) and will require paint/stain for long-term durability."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be in good, largely turnkey condition after a visible cosmetic remodel. Interiors and kitchen are updated and the exterior, roof and porch appear serviceable. The most likely inspection hurdles are missing/uncertain smoke and CO detectors, unverified bedroom egress (jalousie windows), and inability to confirm GFCI outlets and operation of major mechanical equipment (furnace, hot water heater, electrical panel) from the photos. With installation/verification of detectors, confirmation of egress compliance, and basic verification of HVAC/electrical/plumbing operation, this property would likely pass an initial HCV/NSPIRE inspection and be rent-ready within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos show a recent cosmetic remodel: new-looking laminate flooring, fresh paint, renovated kitchen with cabinets, backsplash, sink and an electric range. Interior trim and closet doors appear in good condition. Front porch and railings look recently replaced. No obvious cosmetic deferred maintenance or interior damage visible. Missing small items that commonly appear in listings (smoke/CO detectors, outlet covers/GFCI not visible) are counted as safety/code issues rather than major condition failures. Overall, only minor touch-ups likely remain."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No visible smoke detectors or carbon monoxide detectors in photos (could be installed but not shown) — missing detectors would fail inspection. Windows shown are jalousie-style; bedroom egress size is not confirmed from photos and could be an issue. Kitchen receptacle GFCI presence not visible. Interior shows no exposed wiring, obvious trip hazards, peeling paint, mold stains, or active water staining. Entry door has a deadbolt. Porch railings installed and look secure. Because critical safety items (smoke/CO detectors, egress, GFCI) are unverified from images, there is moderate NSPIRE risk even though no active life-threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Ceiling vents visible indicating a central HVAC duct system; condition of the furnace/air handler and water heater are not shown. Kitchen appliances include an electric range and hood — appears functional. No visible evidence of roof leaks, active plumbing leaks, or major electrical defects in photos. Because major system components (HVAC unit, water heater, electrical panel) are not photographed, a conservative middle score is assigned assuming the remodel included system servicing but recognizing the unknowns."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior photos show an intact asphalt shingle roof with no visible sagging, brick and siding in good cosmetic condition, a concrete walkway and driveway, and a new-looking front porch and railings. Yard is level with no visible standing water or drainage issues. Foundation skirt appears intact with no obvious major cracks visible from photos. Some shrubs could be trimmed but no evidence of exterior structural distress or infestation in the images provided."
}
],
"red_flags": [
"No visible smoke detectors or carbon-monoxide detectors in interior photos — missing detectors will cause an NSPIRE failure.",
"Bedroom window type (jalousie style) seen in photos — egress adequacy for bedrooms is not confirmed and could fail egress requirement.",
"GFCI protection for kitchen/bath outlets not visible — lack of GFCI in required locations could be cited.",
"Major mechanical equipment (furnace, water heater, electrical panel) not photographed — operational status unverified and would need confirmation during inspection."
],
"confidence": 0.65,
"assumptions": [
"Interior photos represent all major living areas; bedrooms and bathroom(s) were not photographed in detail so their conditions are inferred from the quality of photographed spaces.",
"Central HVAC is present and operational (ceiling supply/return vents visible), but equipment (furnace/AC condensing unit) was not photographed.",
"Kitchen appliances shown (electric range and hood) are included and in functional condition as part of the remodel.",
"Hot water system and electrical panel exist and are functional though they are not shown; no signs of active leaks or electrical distress were visible.",
"No visible mold, severe water damage, or structural movement exists beyond what is shown in photos; exterior grading does not show obvious standing water issues.",
"Because the house was built in 1962, lead-based paint risk exists historically; no peeling paint is visible in photos but LBP disclosures/testing may be required."
],
"overall_score": 77.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "905 Burwell St, Birmingham, AL, 35221",
"aggregate": {
"summary": "Remodeled single-story home that appears mostly turnkey for Section 8 leasing with minor items to verify. Cosmetic renovation and presence of key fixtures (range, sink, vents) are positives. Primary inspection risks are unverified safety/system items (smoke/CO detectors, GFCI outlets, egress compliance for jalousie windows, electrical panel and water heater operation). Likely passable after a short verification/fix list; estimated rent-ready timeline 1–4 weeks depending on verification of detectors and minor appliance/egress fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos show a full cosmetic remodel: new paint, new-looking vinyl plank flooring, updated kitchen cabinets, countertop and backsplash, functioning electric range and hood. Porch railing appears recently installed. No visible major drywall damage, roof collapse, or severe deferred maintenance. Missing refrigerator (not pictured) and limited landscaping are minor issues that reduce score slightly but are easy/low-cost to remedy."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 81.7,
"rationale": "Exterior brick and siding look intact, driveway and walkway present and serviceable, front porch and new railings are in good condition. Yard is mostly level with no visible standing water or severe erosion. Chain-link fencing and a backyard shed are visible. Landscaping is minimal but safe. No visible major exterior structural issues."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 66.7,
"rationale": "No obvious life‑threatening hazards visible: stairs have rails, no collapsed ceilings, no standing water, and no visible exposed wiring. Bedroom/window egress uses older horizontal/slatted (jalousie-style) windows which sometimes fail modern egress requirements — this introduces moderate risk. Smoke/CO detectors are not visible in photos (assumed present but unverified). GFCI presence in kitchen/bath not confirmed. Deadbolt appears present on entry but electrical panel and other safety items not pictured. These unknowns lower the safety score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 71.7,
"rationale": "Supply/return vents visible in ceilings indicate central HVAC likely present; kitchen shows working electric range and vent hood. Roof shingles appear intact from photos; foundation/crawlspace vents present and no obvious settlement. Water heater, electrical panel, and furnace/air handler not shown so full operational status is unverified. Given the recent remodel appearance, systems likely functional but unconfirmed, so score is moderately high."
}
],
"red_flags": [],
"confidence": 0.9,
"assumptions": [
"Central HVAC exists and is operational based on visible ceiling return/supply grilles.",
"Electric range and kitchen sink are operational as shown; refrigerator is not present in photos.",
"Smoke and carbon monoxide detectors are not visible in photos and should be verified/installed as required by local code/HUD.",
"Electrical panel, water heater, furnace/air handler, and GFCI outlets were not photographed and their condition is unknown.",
"Windows are older horizontal/slat (jalousie) type which may not meet current bedroom egress requirements without verification.",
"No evidence in photos of active roof leaks, foundation movement, severe mold, or major structural failure; absence of such conditions is assumed based on listing photos."
],
"score_method": "mean_of_criteria",
"overall_score": 76.5,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7275767736"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.