Property ID: 7294245346
1402 Avenue E, Birmingham, AL, 35218
Birmingham, AL
Money Down: $27,600
CoC Return: 3.00%
Monthly Cash Flow: $69
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Investment Snapshot
Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
3.00%
Rent
$896
Monthly Cash Flow
$69
Annual Cash Flow
$828
Debt Service / Mo
$612
Property Tax / Mo
$75
Insurance / Mo
$50
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$896
Payment Standard
$1,419
Rent
$896
Insurance
$50
Property Tax
$75
Management
$90
Utilities Allowance
$523
NOI (Monthly)
$681
Debt Service
$612
Cash Flow After Debt
$69
Quality Score: 62.70%
Confidence: 86.00%
Overall the property looks largely cosmetically updated and is likely rentable after addressing a handful of moderate NSPIRE issues. Major positives: updated floors, functioning bathrooms, installed kitchen sink and dishwasher, flat yard and intact exterior envelope. Key inspection risks that should be corrected prior to a Housing Choice Voucher inspection include missing kitchen cover plates/outlet covers and exposed wiring at the range hood (electrical hazard), repair/secure the attic access hatch (possible water intrusion), patch/level the cracked front step (trip hazard), verify and install required smoke/CO detectors and GFCI protection, and confirm egress window compliance for all bedrooms. With those corrections (and installing missing major kitchen appliances or providing a plan to supply them) this house should be able to pass an initial NSPIRE/HCV inspection within ~2–4 weeks.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$896
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,000
Beds
3
Baths
2.5
Living Area
1,519 sqft
Lot Size
5,227 sqft
Year Built
1910
Days on Market
111
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$75
Insurance / Mo
$50
Property Description
A great opportunity to add to your rental portfolio! This home features 3 bedrooms & 2.5 bathrooms all in 1,519 sqft. Large front porch great for sitting. This home has been updated with tile flooring throughout & updated bathrooms. Kitchen feature room for eating area, tiled backsplash, breakfast bar with cabinets. Large primary bedroom with a tub/shower combo. There are 2 additional bedrooms, a 2nd full bathroom w/a tub/shower combo & a half bath. Large laundry room for extra storage. Flat back yard with alley access. Convenient location, just 11 minutes to UAB & Downtown.
Utility Allowances
Heating
$93
Property has central heat. Electric was chosen for fuel type to be consistent with the explicit 'Electric (COOL)' and 'Electric (WTRHTR)' details. 'Ala Power' was selected as a major local provider and the most expensive electric heating option.
Cooking
$21
A stove is not mentioned as included. Electric was chosen as the fuel type based on the other electric appliances. 'Ala Power' was selected for consistency and as the most expensive electric cooking option.
Water Heating
$56
Property details explicitly state 'Water Heaters: Electric (WTRHTR)'. 'Ala Power' was selected as the electric provider for consistency.
Cooling
$22
Property details explicitly state 'Cooling Features: Central (COOL), Electric (COOL)'. The 'Alabama Power' provider was selected for consistency with other electric utilities.
Water
$78
Property details state 'Water Source: Public Water'. The 'Water: Birmingham' option was selected based on the property's city.
Sewer
$151
Property details explicitly state 'Sewer: Connected'. The allowance is based on the fixed rate from the schedule for a 3-bedroom unit.
Trash Collection
$20
The property is located in Jefferson County. 'Jefferson City' was selected from the schedule as the most appropriate option since Birmingham is the county seat.
Other Electric
$68
This covers lights and other general electric use. 'Ala Power' was selected as the provider for consistency with other electric utilities.
Refrigerator
$8
A refrigerator is not listed as an included appliance. This allowance is for a tenant-owned refrigerator, per the schedule.
Range/Microwave
$6
A microwave is not listed as an included appliance. This allowance is for a tenant-owned microwave, 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$528
DP3 Annual Estimate$673
DP1 Monthly Equivalent$44
DP3 Monthly Equivalent$56
Replacement Value$50,600
Basis1,519 sqft / 1910
Nearby Houses
Photo unavailable
1421 Avenue E
sold · 0.06 mi
Price: $16,000
3 bd / 1 ba · 1,022 sqft
Latest sale: $16,000 on Apr 07, 2017
Latest rent: —
Photo unavailable
1406 Avenue D
off_market · 0.06 mi
Price: $120,000
3 bd / 1 ba · 1,320 sqft
Latest sale: $19,000
Latest rent: —
Photo unavailable
311 14th Street Ensley
for_sale · 0.08 mi
Price: $79,000
3 bd / 1 ba · 900 sqft
Latest sale: $81,000
Latest rent: —
Photo unavailable
315 14th Street Ensley
off_market · 0.08 mi
Price: $1,050
3 bd / 1 ba · 1,167 sqft
Latest sale: $75,000
Latest rent: —
Photo unavailable
1513 Avenue D
sold · 0.10 mi
Price: $135,000
4 bd / 2 ba · 1,364 sqft
Latest sale: $135,000 on Jun 09, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Exposed wiring / loose range-hood cord (electrical hazard)
- Open electrical boxes / missing outlet/cover plates in kitchen (electrical safety violation)
- Sagging/compromised attic access panel with staining — potential water intrusion / roof leak risk
- Cracked/uneven front porch step (trip hazard)
- Possible non-compliant egress in one small room (small high windows) if used as bedroom
- No clear evidence of required smoke detectors/CO alarms and GFCI protection at kitchen/bath — compliance risk
Assumptions
- Central HVAC system exists (visible supply registers) but its operational status is unknown; a window AC unit in the front window may be supplemental or indicate central HVAC service need.
- Electrical service panel location and condition were not shown; assessor assumes typical service is present and intact unless indicated otherwise.
- Water heater and hot water availability are not shown but bathrooms and kitchen fixtures appear connected; assume operational until inspection proves otherwise.
- At least one smoke detector is present (visible in photos) but there may not be detectors in every required location; assume some detectors exist but further compliance work may be necessary.
- Small room with three high windows is likely a non-bedroom or storage; if used as a bedroom it may not meet egress requirements — assume one of the photographed small rooms is non-sleeping space unless local bedroom definitions applied.
- Missing stove/fridge are considered moderate readiness issues (appliance provision expected by many landlords) but not automatic inspection failures if utilities and safe connections are present.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $877 | $60,500 | $12,100 |
| 2023 | $877 | $60,500 | $12,100 |
| 2013 | $557 | $39,000 | $7,800 |
| 2012 | $507 | $35,400 | $7,080 |
| 2011 | $512 | $35,800 | $7,160 |
| 2010 | $512 | $35,800 | $7,160 |
| 2009 | $512 | $35,800 | $7,160 |
| 2008 | $533 | $37,300 | $7,460 |
| 2007 | $564 | $39,500 | $7,900 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-06-30 | Sold | $66,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-01-30 | Listed for rent | $1,300 | — |
| 2023-09-13 | Listed for rent | $1,400 | — |
| 2022-09-01 | Listed for rent | $1,050 | — |
Photo Gallery
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"down_payment_amount": 23000.0,
"property_tax_annual": 903.31,
"property_tax_monthly": 75.28,
"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": 828.05,
"property_management_monthly": 89.6,
"monthly_cash_flow_after_debt": 69.0,
"cash_on_cash_return_after_debt": 0.04
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property looks largely cosmetically updated and is likely rentable after addressing a handful of moderate NSPIRE issues. Major positives: updated floors, functioning bathrooms, installed kitchen sink and dishwasher, flat yard and intact exterior envelope. Key inspection risks that should be corrected prior to a Housing Choice Voucher inspection include missing kitchen cover plates/outlet covers and exposed wiring at the range hood (electrical hazard), repair/secure the attic access hatch (possible water intrusion), patch/level the cracked front step (trip hazard), verify and install required smoke/CO detectors and GFCI protection, and confirm egress window compliance for all bedrooms. With those corrections (and installing missing major kitchen appliances or providing a plan to supply them) this house should be able to pass an initial NSPIRE/HCV inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently updated with tile-look flooring throughout and painted walls. Bathrooms and tubs are installed and in place. Kitchen has dishwasher and sink but several cabinet doors/drawers and parts of the island/counters are missing or damaged, and there are open electrical boxes above the backsplash. Minor cosmetic scuffs and dirt visible. Missing full kitchen appliances (range, refrigerator) noted in photos/listing — missing appliances reduce readiness moderately but are not automatic failures. Porch concrete shows cracking at entry step. Overall mostly cosmetic and cabinet/appliance work required."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Observed safety issues: open electrical boxes and missing cover plates in the kitchen and a loose/exposed power cord from the range hood (electrical hazard). Attic access hatch shows sagging/possible water staining (potential past or ongoing leak). A smoke/CO detector is visible in one interior shot but there is no clear evidence of detectors in all required locations or of CO alarms where required. Some rooms show small high windows (one small room with three small windows) that may not meet egress requirements if intended as a bedroom. Front entry step has uneven/cracked concrete (trip hazard). GFCI protection at kitchen counters not visible. These items create moderate NSPIRE risk and would likely need correction before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Visible floor vents and duct registers indicate central HVAC/ductwork exists, but a window AC unit is installed in a front window suggesting either supplemental cooling or central HVAC may not be functioning — central system condition not verifiable in photos. No water heater or electrical panel photographed. Plumbing fixtures installed and appear functional with sinks and tub surrounds in place. Roof and exterior appear intact from front photo with no obvious major sagging or collapse. Given the unknown status of the main HVAC and absence of service/accessory photos (panel, water heater), assign moderate score; repairs may be required but no clear catastrophic system failures observed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front elevation, siding, and roofline visible and appear generally intact with painted trim. Large front porch present but front step landing concrete shows cracking and edge deterioration (trip hazard). Chain-link fence and gate are intact but appear aged. Yard is flat with alley access as advertised. No evidence of standing water, major foundation displacement, or roof collapse in available exterior photo. Curb appeal fair; minor exterior repairs and step/sidewalk patching recommended."
},
{
"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": [
"Exposed wiring / loose range-hood cord (electrical hazard)",
"Open electrical boxes / missing outlet/cover plates in kitchen (electrical safety violation)",
"Sagging/compromised attic access panel with staining — potential water intrusion / roof leak risk",
"Cracked/uneven front porch step (trip hazard)",
"Possible non-compliant egress in one small room (small high windows) if used as bedroom",
"No clear evidence of required smoke detectors/CO alarms and GFCI protection at kitchen/bath — compliance risk"
],
"confidence": 0.7,
"assumptions": [
"Central HVAC system exists (visible supply registers) but its operational status is unknown; a window AC unit in the front window may be supplemental or indicate central HVAC service need.",
"Electrical service panel location and condition were not shown; assessor assumes typical service is present and intact unless indicated otherwise.",
"Water heater and hot water availability are not shown but bathrooms and kitchen fixtures appear connected; assume operational until inspection proves otherwise.",
"At least one smoke detector is present (visible in photos) but there may not be detectors in every required location; assume some detectors exist but further compliance work may be necessary.",
"Small room with three high windows is likely a non-bedroom or storage; if used as a bedroom it may not meet egress requirements — assume one of the photographed small rooms is non-sleeping space unless local bedroom definitions applied.",
"Missing stove/fridge are considered moderate readiness issues (appliance provision expected by many landlords) but not automatic inspection failures if utilities and safe connections are present."
],
"overall_score": 64.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Overall this 3BR/2.5BA 1910 single-family appears mostly tenant-ready with recent cosmetic updates and functioning fixtures, but there are moderate inspection risks that should be corrected before a Housing Choice Voucher initial NSPIRE inspection. The highest priorities are to repair and secure exposed electrical boxes/wiring, investigate and repair the ceiling stain/attic access area to rule out active roof/pipe leaks, install proper outlet/GFCI covers, confirm HVAC and hot water operation, and address the spalled front step (trip hazard). With those items completed the property is likely to pass within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 68.0,
"rationale": "Interior appears recently updated cosmetically (tile plank floors, painted walls) but shows moderate deferred items: missing/unfinished kitchen cabinet fronts and drawers, dishwasher present but no visible range/stove, scuffed baseboards and trim, dirty floors, and the front porch step has spalled concrete. These are mostly cosmetic or capital-repair items that should be completed before lease-up but are not structural."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 50.0,
"rationale": "Some positive items visible: smoke detector(s) present in interior photos and interior floor registers suggest functioning HVAC. However there are notable inspection risks: exposed electrical outlet boxes in the kitchen backsplash and at least one loose/dangling appliance cord (range hood) which are likely NSPIRE failures until corrected, no visible GFCI identification at kitchen sinks, and a visible ceiling stain and slight sag around the attic access that indicates prior or possible active water intrusion. Entry door hardware/deadbolt not clearly visible. Bedroom egress appears to be present for main bedrooms but one small interior room shows high windows not suitable for egress — if that room is claimed as a bedroom it could fail. These issues create a moderate chance of initial inspection failure until corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical integrity",
"score": 65.0,
"rationale": "Visible floor vents and a thermostat indicate central HVAC likely installed; a window AC unit is also present which may be supplemental. Kitchen plumbing shows sink and dishwasher installed; bathrooms have functioning-looking fixtures and tub surrounds. Electrical panel, water heater and roof condition are not shown. The visible ceiling stain near the attic access raises concern for attic/roof leak and potential water damage to systems. Overall systems appear present and generally functional but require verification (operational HVAC, hot water, electrical panel condition) and repair of any leak-related damage."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 70.0,
"rationale": "Exterior photos show intact siding, a flat rear yard and alley access, and a structurally stable porch. Visible issues: chain-link fence is rusted, front concrete walkway/step has spalling and small trip hazard, and paint touch-up is needed on porch columns and low brick. No major foundation cracks or roof sagging are visible from the provided front elevation. Yard and site are serviceable for tenancy with minor exterior repairs."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Exposed electrical outlet boxes and dangling appliance cord in kitchen (electrical hazard / likely NSPIRE fail)",
"Ceiling stain and localized sag around attic access — possible active or prior water intrusion requiring repair",
"Front porch / entry concrete spall presents a trip hazard at tenant entry and should be repaired prior to tenancy"
],
"confidence": 0.75,
"assumptions": [
"Bedrooms shown with full-size double-hung windows provide adequate egress; the small room with three high windows is assumed to be a non-bedroom/office (not counted as a primary bedroom), otherwise window egress may fail inspection.",
"Central HVAC is present and operational (floor vents and a thermostat are visible); the window AC is supplemental.",
"No active roof leaks are confirmed in photos; ceiling stain/sag near the attic hatch is assumed to be evidence of prior or intermittent water intrusion that requires evaluation.",
"Electrical panel location and overall electrical capacity were not shown; assessment assumes no gross panel failures but flags visible exposed wiring/outlet boxes as immediate code issues.",
"Range/stove is not visible in provided photos and is assumed missing or not photographed; missing stove/fridge are treated as moderate capital items, not automatic inspection-fail conditions.",
"Water heater and gas connections were not photographed; assumed present and functional unless testing reveals otherwise."
],
"overall_score": 68.0,
"rubric_version": "ns-patch-2026-01"
},
{
"summary": "This 3BR/2.5BA home is cosmetically updated and appears generally sound, but there are several inspection-risk items that should be corrected prior to a Housing Choice Voucher (NSPIRE) inspection. The most significant issues are electrical: open outlet boxes in the kitchen backsplash and visible loose wiring from the hood, plus ceiling damage around the attic hatch suggesting a possible roof leak, and a small room that may not meet egress requirements if counted as a bedroom. With targeted repairs (secure and cover electrical boxes, correct exposed wiring, confirm/repair roof/attic leak, install/verify smoke & CO detectors, install any missing appliances and fix cabinetry), the property is likely rent-ready within 2–6 weeks. Current weighted overall score: 61 (minor repairs needed; likely rent‑ready within 30 days after corrections).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows mostly updated finishes (tile-look flooring, painted walls, updated bathrooms) but several visible repair/cosmetic items remain: lower kitchen cabinets and island are incomplete/missing panels, some cabinet drawers/doors missing, backsplash has exposed electrical boxes (cosmetic + safety), attic hatch area has ceiling damage/settling, and front porch concrete has cracking/edge spall. Missing range/stove not shown in photos (reduces readiness). These are mostly moderate, fixable items (carpentry, cabinet replacements, appliance install, patch & paint)."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 45.0,
"rationale": "There are safety items that could cause an initial NSPIRE failure: multiple open electrical outlet boxes in kitchen backsplash and visible loose/exposed wiring from the hood (electrical hazard), ceiling damage around the attic hatch indicating prior or potential roof leak, and at least one small room with three high clerestory windows that may not provide compliant bedroom egress if that room is used as a bedroom. Smoke detector(s) visible in photos but CO alarms are not visible. GFCI presence in kitchen/bathrooms not confirmed. These issues present moderate-to-high inspection risk until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Major systems appear present but not fully verified. Floor vents/registers indicate central HVAC ducting (but a window AC unit is in a front window — unclear if central system is operational or supplemental). Plumbing fixtures, tubs, toilets and a dishwasher are present. No electrical panel or water heater visible to confirm condition. Ceiling damage near attic access suggests past or potential roof leak that should be inspected before lease. Overall no evidence of catastrophic failure, but several unknowns and at least one potential roof/attic water issue reduce score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior facade and porch appear intact; brick piers and columns look sound. Front concrete walkway and porch step show cracking and edge spall (trip hazard). Chain-link fence is aged/rusted but functional. Yard is flat with alley access as stated. No visible major foundation movement or sagging. No evidence of standing water or severe exterior neglect in provided photos."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Open/uncovered electrical boxes in kitchen backsplash and exposed wiring from range hood — electrical hazard and likely immediate NSPIRE fail.",
"Ceiling damage/sagging around attic access — potential roof/attic leak that can cause inspection failure if active.",
"Possible non-compliant bedroom egress (small room with high clerestory windows) — may fail bedroom egress requirement.",
"Missing or incomplete kitchen cabinetry and likely missing stove/range — reduces rent readiness and may impact habitability depending on program rules.",
"No visible CO alarm and GFCI protection not confirmed in kitchen/baths — code items that must be verified/installed."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC system is present (floor registers visible) but operational status is unknown; a window AC unit in a front window suggests possible supplemental cooling.",
"Water heater exists and is functional though not pictured.",
"Electrical service and panel are present and intact but were not photographed; open outlet boxes in backsplash indicate local wiring work required.",
"Stove/range is not visible in photos and may be missing; absence would need appliance installation prior to move-in.",
"Smoke detectors are present in at least some rooms (visible in photos) but locations and battery/functionality have not been fully verified; CO detectors are not visible and likely required if fuel-burning appliances are present.",
"The small room with three high windows may be a non-bedroom (storage/office) — if used as a bedroom it likely fails egress requirements.",
"No active standing water or severe mold was visible in photos; ceiling discoloration near hatch is treated as possible past or intermittent leak requiring inspection."
],
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1402 Avenue E, Birmingham, AL, 35218",
"aggregate": {
"summary": "Overall the property looks largely cosmetically updated and is likely rentable after addressing a handful of moderate NSPIRE issues. Major positives: updated floors, functioning bathrooms, installed kitchen sink and dishwasher, flat yard and intact exterior envelope. Key inspection risks that should be corrected prior to a Housing Choice Voucher inspection include missing kitchen cover plates/outlet covers and exposed wiring at the range hood (electrical hazard), repair/secure the attic access hatch (possible water intrusion), patch/level the cracked front step (trip hazard), verify and install required smoke/CO detectors and GFCI protection, and confirm egress window compliance for all bedrooms. With those corrections (and installing missing major kitchen appliances or providing a plan to supply them) this house should be able to pass an initial NSPIRE/HCV inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 69.3,
"rationale": "Interior appears recently updated with tile-look flooring throughout and painted walls. Bathrooms and tubs are installed and in place. Kitchen has dishwasher and sink but several cabinet doors/drawers and parts of the island/counters are missing or damaged, and there are open electrical boxes above the backsplash. Minor cosmetic scuffs and dirt visible. Missing full kitchen appliances (range, refrigerator) noted in photos/listing — missing appliances reduce readiness moderately but are not automatic failures. Porch concrete shows cracking at entry step. Overall mostly cosmetic and cabinet/appliance work required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front elevation, siding, and roofline visible and appear generally intact with painted trim. Large front porch present but front step landing concrete shows cracking and edge deterioration (trip hazard). Chain-link fence and gate are intact but appear aged. Yard is flat with alley access as advertised. No evidence of standing water, major foundation displacement, or roof collapse in available exterior photo. Curb appeal fair; minor exterior repairs and step/sidewalk patching recommended."
},
{
"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."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 50.0,
"rationale": "Observed safety issues: open electrical boxes and missing cover plates in the kitchen and a loose/exposed power cord from the range hood (electrical hazard). Attic access hatch shows sagging/possible water staining (potential past or ongoing leak). A smoke/CO detector is visible in one interior shot but there is no clear evidence of detectors in all required locations or of CO alarms where required. Some rooms show small high windows (one small room with three small windows) that may not meet egress requirements if intended as a bedroom. Front entry step has uneven/cracked concrete (trip hazard). GFCI protection at kitchen counters not visible. These items create moderate NSPIRE risk and would likely need correction before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 61.7,
"rationale": "Visible floor vents and duct registers indicate central HVAC/ductwork exists, but a window AC unit is installed in a front window suggesting either supplemental cooling or central HVAC may not be functioning — central system condition not verifiable in photos. No water heater or electrical panel photographed. Plumbing fixtures installed and appear functional with sinks and tub surrounds in place. Roof and exterior appear intact from front photo with no obvious major sagging or collapse. Given the unknown status of the main HVAC and absence of service/accessory photos (panel, water heater), assign moderate score; repairs may be required but no clear catastrophic system failures observed."
}
],
"red_flags": [
"Exposed wiring / loose range-hood cord (electrical hazard)",
"Open electrical boxes / missing outlet/cover plates in kitchen (electrical safety violation)",
"Sagging/compromised attic access panel with staining — potential water intrusion / roof leak risk",
"Cracked/uneven front porch step (trip hazard)",
"Possible non-compliant egress in one small room (small high windows) if used as bedroom",
"No clear evidence of required smoke detectors/CO alarms and GFCI protection at kitchen/bath — compliance risk"
],
"confidence": 0.86,
"assumptions": [
"Central HVAC system exists (visible supply registers) but its operational status is unknown; a window AC unit in the front window may be supplemental or indicate central HVAC service need.",
"Electrical service panel location and condition were not shown; assessor assumes typical service is present and intact unless indicated otherwise.",
"Water heater and hot water availability are not shown but bathrooms and kitchen fixtures appear connected; assume operational until inspection proves otherwise.",
"At least one smoke detector is present (visible in photos) but there may not be detectors in every required location; assume some detectors exist but further compliance work may be necessary.",
"Small room with three high windows is likely a non-bedroom or storage; if used as a bedroom it may not meet egress requirements — assume one of the photographed small rooms is non-sleeping space unless local bedroom definitions applied.",
"Missing stove/fridge are considered moderate readiness issues (appliance provision expected by many landlords) but not automatic inspection failures if utilities and safe connections are present."
],
"score_method": "mean_of_criteria",
"overall_score": 62.7,
"rubric_version": "nsPIRE-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7294245346"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.