Property ID: 7305282362
36 Wilkes Cir, Midfield, AL, 35228
Midfield, AL
Money Down: $11,280
CoC Return: 40.52%
Monthly Cash Flow: $381
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$9,400
Closing Costs
$1,880
Total Down
$11,280
Investment Snapshot
Purchase Price
$47,000
Money Down
$11,280
Cash-on-Cash Return
40.52%
Rent
$824
Monthly Cash Flow
$381
Annual Cash Flow
$4,570
Debt Service / Mo
$250
Property Tax / Mo
$63
Insurance / Mo
$48
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$824
Payment Standard
$1,265
Rent
$824
Insurance
$48
Property Tax
$63
Management
$82
Utilities Allowance
$441
NOI (Monthly)
$631
Debt Service
$250
Cash Flow After Debt
$381
Quality Score: 70.90%
Confidence: 88.00%
This 2-bedroom cottage is broadly rent-ready for Section 8 with minor repairs and documentation needed. The house shows intact structure, updated windows, functioning plumbing fixtures, and an exterior HVAC unit — all positive for NSPIRE. Main items to address before an inspection: install/verify CO detector if required, verify GFCI protection in kitchen/bath, confirm operational heating/hot water/electrical systems, provide stove and refrigerator or disclose their absence, and perform minor cosmetic repairs (floor refinishing, cabinet touch-up, paint). No major structural or life-safety failures are visible in photos.
Section 8 Payment Standard
$1,265
Utility Allowance Total
$441
Guaranteed Section 8 Rent (PS - Utilities)
$824
Property Management
$82
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$47,000
Beds
2
Baths
1
Living Area
762 sqft
Lot Size
13,504 sqft
Year Built
1952
Days on Market
119
Capital Outlay
$11,280
Debt Service
$250
Property Tax / Mo
$63
Insurance / Mo
$48
Property Description
This 2-bedroom, 1-bath home in Midfield offers comfort, convenience, and strong rental potential. Potential rental range from $875 - $925 it's a great opportunity for investors or buyers looking for an affordable place to call home. Inside, you'll find a functional layout with hardwood floors and updated windows throughout, spacious rooms, and plenty of natural light. Situated on a large lot, there's plenty of outdoor space for entertaining, gardening, or future expansion. With easy access to downtown Birmingham and major highways, the location is ideal for commuters or anyone wanting quick connectivity. Whether you're searching for your next investment property or a home with charm and value, this Midfield gem is worth a look!
Utility Allowances
Heating
$76
Property has central heating. Fuel type is inferred as electric based on the electric water heater and dryer hookup. 'Elec Heat: Ala Power' was selected as the most applicable and common provider.
Cooling
$18
Property has central cooling, which is electric. 'A/C: Alabama Power' was selected as the most applicable and common provider.
Cooking
$17
No range/oven is mentioned as provided. Fuel type is assumed to be electric to be consistent with other major appliances. 'Elec: Ala Power' was selected as the most applicable option.
Water Heating
$46
Property details explicitly state an electric water heater. 'Elec: Ala Power' was selected as the most applicable option.
Other Electric (Lights & Appliances)
$56
This allowance covers general electric use for lighting and miscellaneous appliances. 'Lights, Ref, Etc.: Ala Power' was selected as the most applicable option.
Refrigerator (Tenant-Owned)
$8
A refrigerator is not specified as provided by the landlord, so it is assumed to be tenant-owned and its allowance is included.
Range/Microwave (Tenant-Owned)
$6
A microwave is not specified as provided by the landlord, so it is assumed to be tenant-owned and its allowance is included.
Water
$69
Property has public water. As Midfield is in the Birmingham metro area, 'Water: Birmingham' was selected from the available options.
Sewer
$125
Property is specified as being connected to public sewer.
Trash Collection
$20
The property is located in Midfield. 'Jefferson City (Once per week)' was selected as a representative allowance for a city within Jefferson County that is not explicitly listed on 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$441
DP3 Annual Estimate$699
DP1 Monthly Equivalent$37
DP3 Monthly Equivalent$58
Replacement Value$39,200
Basis762 sqft / 1952
Nearby Houses
Photo unavailable
5419 Main St
sold · 0.04 mi
Price: $84,000
3 bd / 1 ba · 1,109 sqft
Latest sale: $84,000
Latest rent: —
Photo unavailable
47 Wilkes Cir
sold · 0.04 mi
Price: $14,000
2 bd / 1 ba · 954 sqft
Latest sale: $14,000
Latest rent: —
Photo unavailable
63 Wilkes Cir
sold · 0.06 mi
Price: $46,100
3 bd / 1 ba · 1,164 sqft
Latest sale: $46,100 on Jan 14, 2025
Latest rent: $1,200 on Nov 01, 2024
Photo unavailable
16 Wilkes Cir
sold · 0.06 mi
Price: $11,500
2 bd / 1 ba · 720 sqft
Latest sale: $11,500
Latest rent: —
Photo unavailable
1107 SE Oak St SE
sold · 0.07 mi
Price: $188,000
3 bd / 2 ba · 1,660 sqft
Latest sale: $188,000
Latest rent: —
Photo unavailable
41 Hoadley St
sold · 0.07 mi
Price: $60,100
2 bd / 1 ba · 672 sqft
Latest sale: $60,100
Latest rent: —
Photo unavailable
11 Wilkes Cir
sold · 0.07 mi
Price: $7,500
2 bd / 1 ba
Latest sale: $7,500 on Feb 05, 2016
Latest rent: —
Photo unavailable
1120 Oak St
sold · 0.08 mi
Price: $65,000
2 bd / 1 ba · 1,089 sqft
Latest sale: $65,000
Latest rent: —
Photo unavailable
5330 Hoadley St
sold · 0.09 mi
Price: $18,000
3 bd / 2 ba · 1,728 sqft
Latest sale: $18,000 on May 19, 2017
Latest rent: —
Photo unavailable
5325 Hoadley St
sold · 0.10 mi
Price: $11,000
3 bd / 2 ba
Latest sale: $11,000
Latest rent: —
Photo unavailable
5409 Huntsville Ave
sold · 0.10 mi
Price: $55,000
4 bd / 2 ba · 1,488 sqft
Latest sale: $55,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- HVAC condenser visible implies a forced-air system and heating is present, but furnace operation was not verified in photos.
- Water heater is present and functional though not shown; hot water availability is assumed but must be confirmed.
- No gas leaks or unsafe gas venting present; no gas appliances visible in photos.
- Electrical panel and circuits are intact and safe; GFCI protection in kitchen/bath is not visible and may be required.
- Windows shown provide adequate bedroom egress; measurements not taken but double-hung units appear full-size.
- No visible severe pest infestation or active standing water; crawlspace/foundation interior condition not visible and assumed typical for age unless inspection finds otherwise.
- Lead-based paint risk exists due to 1952 construction but no peeling paint is visible; lead-risk mitigation may be required per local rules if disturbed.
- Missing stove and refrigerator (not shown) — assumed absent and would need provisioning prior to move-in or documented tenant responsibility.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $735 | $54,600 | $9,540 |
| 2023 | $735 | $49,100 | $8,920 |
| 2022 | $582 | $38,900 | $7,060 |
| 2021 | $582 | $38,900 | $7,060 |
| 2020 | $427 | $28,500 | $5,180 |
| 2019 | $582 | $38,900 | $7,060 |
| 2018 | $524 | $35,000 | $6,360 |
| 2017 | $524 | $35,000 | $6,360 |
| 2016 | $524 | $35,000 | $6,360 |
| 2015 | $661 | $44,200 | $8,020 |
| 2013 | $612 | $43,600 | $7,920 |
| 2012 | $612 | $43,600 | $8,720 |
| 2011 | $682 | $48,700 | $9,740 |
| 2010 | $682 | $48,700 | $9,740 |
| 2009 | $682 | $48,700 | $9,740 |
| 2008 | $717 | $51,300 | $10,260 |
| 2007 | $687 | $49,100 | $9,820 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-22 | Price Changed | $47,000 |
| 2025-12-04 | Price Changed | $49,000 |
| 2025-11-14 | Price Changed | $52,000 |
| 2025-11-03 | Price Changed | $55,000 |
| 2025-10-20 | Listed | $60,000 |
| 2024-08-21 | Listing removed | $0 |
| 2024-07-25 | Listed for rent | $875 |
| 2023-03-23 | Listing removed | $0 |
| 2023-03-23 | Listing removed | $0 |
| 2023-03-16 | Listed for rent | $675 |
| 2023-03-16 | Listed for rent | $675 |
| 2001-08-16 | Sold | $43,900 |
Photo Gallery
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"total": 48700,
"building": 36500
},
"assessment": {
"land": 2440,
"total": 9740,
"building": 7300
}
},
{
"tax": 682,
"year": 2010,
"market": {
"land": 12200,
"total": 48700,
"building": 36500
},
"assessment": {
"land": 2440,
"total": 9740,
"building": 7300
}
},
{
"tax": 682,
"year": 2009,
"market": {
"land": 12200,
"total": 48700,
"building": 36500
},
"assessment": {
"land": 2440,
"total": 9740,
"building": 7300
}
},
{
"tax": 717,
"year": 2008,
"market": {
"land": 12200,
"total": 51300,
"building": 39100
},
"assessment": {
"land": 2440,
"total": 10260,
"building": 7820
}
},
{
"tax": 687,
"year": 2007,
"market": {
"land": 12200,
"total": 49100,
"building": 36900
},
"assessment": {
"land": 2440,
"total": 9820,
"building": 7380
}
}
],
"property_history": [
{
"date": "2026-01-22",
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{
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{
"date": "2025-11-14",
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{
"date": "2025-11-03",
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"list_price": 47000,
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},
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{
"date": "2025-10-20",
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"list_price": 47000,
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{
"date": "2024-08-21",
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{
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{
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{
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{
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{
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],
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}
},
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},
"property_id": "7305282362",
"generated_at": "2026-02-16T03:32:37.384107Z",
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"reason": "disabled",
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},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 70.9
},
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"zip_code": "35228",
"home_photo": "https://ap.rdcpix.com/20a064cc346a7f87b67aad534bb75c4el-m3268659001s-w1280.jpg",
"rent_price": 824.0,
"loan_amount": 37600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/36-Wilkes-Cir_Midfield_AL_35228_M73052-82362",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 47000.0,
"loan_term_years": 30,
"annual_cash_flow": 7572.15,
"mortgage_monthly": 250.15,
"payment_standard": 1265.0,
"total_amount_out": 9400.0,
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],
"down_payment_rate": 0.2,
"insurance_monthly": 47.5,
"monthly_cash_flow": 631.01,
"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 inferred as electric based on the electric water heater and dryer hookup. 'Elec Heat: Ala Power' was selected as the most applicable and common provider.",
"utility": "Heating",
"allowance": 76
},
{
"note": "Property has central cooling, which is electric. 'A/C: Alabama Power' was selected as the most applicable and common provider.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "No range/oven is mentioned as provided. Fuel type is assumed to be electric to be consistent with other major appliances. 'Elec: Ala Power' was selected as the most applicable option.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "Property details explicitly state an electric water heater. 'Elec: Ala Power' was selected as the most applicable option.",
"utility": "Water Heating",
"allowance": 46
},
{
"note": "This allowance covers general electric use for lighting and miscellaneous appliances. 'Lights, Ref, Etc.: Ala Power' was selected as the most applicable option.",
"utility": "Other Electric (Lights & Appliances)",
"allowance": 56
},
{
"note": "A refrigerator is not specified as provided by the landlord, so it is assumed to be tenant-owned and its allowance is included.",
"utility": "Refrigerator (Tenant-Owned)",
"allowance": 8
},
{
"note": "A microwave is not specified as provided by the landlord, so it is assumed to be tenant-owned and its allowance is included.",
"utility": "Range/Microwave (Tenant-Owned)",
"allowance": 6
},
{
"note": "Property has public water. As Midfield is in the Birmingham metro area, 'Water: Birmingham' was selected from the available options.",
"utility": "Water",
"allowance": 69
},
{
"note": "Property is specified as being connected to public sewer.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "The property is located in Midfield. 'Jefferson City (Once per week)' was selected as a representative allowance for a city within Jefferson County that is not explicitly listed on the schedule.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.81,
"down_payment_amount": 9400.0,
"property_tax_annual": 757.05,
"property_tax_monthly": 63.09,
"property_tax_increase": 0.03,
"utility_allowance_total": 441.0,
"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": 4570.31,
"property_management_monthly": 82.4,
"monthly_cash_flow_after_debt": 380.86,
"cash_on_cash_return_after_debt": 0.49
},
"section8_assessment": {
"runs": [
{
"summary": "This 2-bedroom cottage is broadly rent-ready for Section 8 with minor repairs and documentation needed. The house shows intact structure, updated windows, functioning plumbing fixtures, and an exterior HVAC unit — all positive for NSPIRE. Main items to address before an inspection: install/verify CO detector if required, verify GFCI protection in kitchen/bath, confirm operational heating/hot water/electrical systems, provide stove and refrigerator or disclose their absence, and perform minor cosmetic repairs (floor refinishing, cabinet touch-up, paint). No major structural or life-safety failures are visible in photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Photos show a generally sound, recently painted interior with intact drywall and functioning fixtures. Hardwood floors are worn and scratched in multiple rooms and will benefit from refinishing or sanding; trim and cabinet faces show wear. Kitchen has sink/cabinets in place but no stove or refrigerator visible (missing appliances reduce readiness moderately). Porch stairs and railing show chipping paint but are intact. Overall cosmetic and minor repair items dominate rather than structural defects."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 78.0,
"rationale": "Visible safety items are generally present: functioning exterior porch light, front door with deadbolt, operable windows that provide egress, interior smoke detector visible in hallway. No exposed wiring or visible electrical panel damage in photos. No visible active water stains, mold, or ceiling collapse. Unknowns lower the score: no carbon-monoxide detector is visible (may be required if gas appliances present), GFCI protection near wet areas is not clearly visible, and hot water availability is not confirmed from photos. No immediate life-threatening hazards observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Exterior HVAC condenser is present (indicates forced-air system likely installed). Plumbing fixtures (toilet, sink) and drains appear intact; the kitchen sink is installed. Electrical panel and circuit access appear present on interior wall. Roof shows no obvious sagging or open areas in exterior photo, but age is unknown. Water heater, furnace condition and proof of operational hot water/heat are not shown. Flooring transitions and some trim around thresholds need attention. Given visible evidence, systems appear plausible but not fully documented or confirmed operational."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding and windows appear in reasonable condition; windows are described as updated and photos show newer double-hung units. Porch, steps and guardrails are present though paint/wear is visible. Lot is large with adequate yard space; walkways and driveway show wear and minor cracking but no standing water observed. Foundation appears continuous with perimeter vents; no visible major foundation displacement or severe exterior deterioration in photos."
}
],
"red_flags": [],
"confidence": 0.72,
"assumptions": [
"HVAC condenser visible implies a forced-air system and heating is present, but furnace operation was not verified in photos.",
"Water heater is present and functional though not shown; hot water availability is assumed but must be confirmed.",
"No gas leaks or unsafe gas venting present; no gas appliances visible in photos.",
"Electrical panel and circuits are intact and safe; GFCI protection in kitchen/bath is not visible and may be required.",
"Windows shown provide adequate bedroom egress; measurements not taken but double-hung units appear full-size.",
"No visible severe pest infestation or active standing water; crawlspace/foundation interior condition not visible and assumed typical for age unless inspection finds otherwise.",
"Lead-based paint risk exists due to 1952 construction but no peeling paint is visible; lead-risk mitigation may be required per local rules if disturbed.",
"Missing stove and refrigerator (not shown) — assumed absent and would need provisioning prior to move-in or documented tenant responsibility."
],
"overall_score": 74.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Overall this 2-bed, 1-bath home appears to be in mostly sound, rentable condition with cosmetic wear and a few moderate safety/code risks. It likely would pass an initial NSPIRE/Section 8 inspection after minor corrections (provide/verify stove and refrigerator, install GFCI protection where required, verify smoke/CO detectors are installed and operational, repair/secure front walkway and steps). Major structural or system failures were not evident in photos, but electrical panel, water heater and HVAC operation were not verified and should be confirmed prior to listing for a voucher tenant.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 70.0,
"rationale": "Interior appears clean, painted and recently updated (windows, fresh paint). Hardwood floors are worn/scratched and have finish loss in places; kitchen cabinets show wear; small cosmetic drywall/trim scuffs. No visible water stains or collapsed surfaces. Major appliances (stove and refrigerator) are not pictured — missing appliances reduce readiness but are an easy/typical install rather than a structural failure. Overall condition indicates mostly cosmetic and minor repairs needed to be turnkey."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "Observed positive items: visible smoke detector in hallway/bedroom area, bedroom windows appear to meet egress (double-hung, full-size), entry door has a deadbolt and knob lock, no exposed wiring visible in photos, bathroom fixtures present and intact. Concerns: no visible GFCI receptacle in kitchen/bath photos (likely non-GFCI outlets), no visible carbon monoxide alarm (location and fuel type unknown), front walkway has uneven stones and front steps show wear (trip hazard), and exterior roof shows aged shingles though no active leaks visible. These issues create moderate NSPIRE risk but are typically addressable before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 65.0,
"rationale": "An outdoor AC condenser unit is visible at the side yard indicating central HVAC likely present; vents visible on interior floors. Kitchen and bathroom plumbing fixtures are installed and appear functional with no visible leaks or staining. Electrical panel is not shown and cannot be confirmed; interior receptacles and light fixtures are present and functional in photos. Roof appears aged but not failed; no visible roof sagging or active water intrusion. Because critical systems (panel, water heater, furnace/air handler) are not photographed, system condition is inferred as probably serviceable but unverified — moderate risk remains."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding and trim appear intact and painted; foundation vents present. Lot is large and usable. Porch and front steps show wear and paint deterioration; front walkway stones and driveway edges are uneven creating trip hazards. Satellite dish and exterior AC condenser are present. No visible standing water, major siding failure, or pest infestation in photos. Overall exterior is serviceable but needs minor safety/finish attention."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operable based on visible exterior condenser unit; no furnace photos provided.",
"Water heater exists and provides hot water but is not visible in photos.",
"There is at least one working smoke detector (visible in interior photos) and it is functional; additional detectors/locations may be required.",
"Kitchen and bathroom outlets are standard outlets; GFCI protection may be absent and will need verification/installation if required by local code/NSPIRE.",
"No active roof leaks, severe mold, or major structural/foundation movement are present (no evidence in photos).",
"Appliances (stove/refrigerator) are not included/present in photos and would need to be supplied for tenant-ready status."
],
"overall_score": 68.0,
"rubric_version": "2026-02-16_nsPIRE_v1"
},
{
"summary": "This 2BR/1BA cottage appears to be in generally good, rental-ready condition with mostly cosmetic and finishing repairs required. Major building systems are present (central HVAC condenser visible, electrical panel and floor vents seen, functioning plumbing fixtures), and a smoke detector is installed. The most likely Section 8/NSPIRE inspection items to address before initial move-in are installing/confirming GFCI protection in kitchen/bath, providing a carbon monoxide alarm if required by local code or if fuel-burning equipment is present, replacing or supplying the kitchen range and refrigerator, and repairing/leveling the front steps/landing and addressing small trip hazards on the walk/drive approach. With those items completed (and standard pre-rental touch-ups), this property is likely to pass an initial HCV inspection and be rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior and exterior appear clean and recently painted; hardwood floors are worn and scratched in places but serviceable. Kitchen cabinets and countertops show wear; no stove or refrigerator visible in photos (missing appliances reduce score moderately). Bathroom fixtures appear functional but vanity shows wear. Porch steps and paint are peeling at foundation skirt and stairs — cosmetic and minor structural attention likely needed. Overall mostly cosmetic and finish work; no large areas of collapsed finishes visible."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 68.0,
"rationale": "Smoke detector visible in hallway in photos (good). Bedrooms have windows that appear operable for egress. No exposed wiring or obvious electrical hazards visible; electrical panel cover appears intact (panel doors visible on kitchen wall). Entry door shows a deadbolt. GFCI outlets are not visible in kitchen or bathroom photos (potential NSPIRE item). No carbon monoxide alarm is visible. Front entry steps have some deterioration and uneven landing/landing edges that present a trip hazard. No signs of active roof leaks, mold staining, or collapsed ceilings were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 72.0,
"rationale": "Outside HVAC condenser unit is present at the side of the house indicating central HVAC (vents visible on floors inside). Electrical panel and interior outlets are present; no visible knob-and-tube or open splices. Plumbing fixtures (kitchen sink, bathroom sink/toilet) are installed and appear intact. Water heater not photographed so presence/condition is assumed. Roof shingles look intact from frontal photo with no visible sag or active leak signs. Systems appear functional or recently serviced but lack of visible water heater and absence of inspection/testing decreases score slightly."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Siding and windows appear in good repair; updated windows claimed in listing and photos show newer double-hung units. Foundation has venting and painted brick skirt; no major visible foundation cracking. Large trees overhang the roof (maintenance / debris risk). Driveway and front walkway are uneven and there are scattered stones/areas with bare soil near foundation that could be trip hazards and will need grading/cleanup for long-term drainage. Yard is spacious and generally usable."
}
],
"red_flags": [
"Missing kitchen major appliances (no stove/range or refrigerator shown) — not an automatic safety fail but will delay move-in.",
"No visible GFCI protection in kitchen or bathroom (potential NSPIRE deficiency).",
"No visible carbon monoxide detector (may be required depending on presence of fuel-burning appliances).",
"Front entry steps/landing and adjacent walkway show deterioration/uneven surfaces that present a trip hazard and could cause an HCV minor fail if not repaired."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operable (outdoor condenser and interior floor vents observed); no documentation provided for operational status.",
"Water heater exists on-site and provides hot water, but it was not photographed; assume present and functional unless verification shows otherwise.",
"Stove/range and refrigerator are not present in photos and are assumed missing; owner/agent has not listed included appliances.",
"GFCI outlets are not visible in the provided kitchen/bath photos; assume GFCI protection may be missing or not obvious and will need verification/installation.",
"No active roof leaks or major structural movement are present based on photos; interior ceilings show no staining or sagging.",
"No carbon monoxide detector was visible; assume none present and that local code/inspector may require one if fuel-burning equipment exists.",
"Porch steps and front landing are stable but show surface deterioration; assume structural framing of steps is intact unless an in-person inspection finds otherwise.",
"Listing photo set is representative of the full unit condition (no hidden areas with major damage)."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "36 Wilkes Cir, Midfield, AL, 35228",
"aggregate": {
"summary": "This 2-bedroom cottage is broadly rent-ready for Section 8 with minor repairs and documentation needed. The house shows intact structure, updated windows, functioning plumbing fixtures, and an exterior HVAC unit — all positive for NSPIRE. Main items to address before an inspection: install/verify CO detector if required, verify GFCI protection in kitchen/bath, confirm operational heating/hot water/electrical systems, provide stove and refrigerator or disclose their absence, and perform minor cosmetic repairs (floor refinishing, cabinet touch-up, paint). No major structural or life-safety failures are visible in photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.3,
"rationale": "Photos show a generally sound, recently painted interior with intact drywall and functioning fixtures. Hardwood floors are worn and scratched in multiple rooms and will benefit from refinishing or sanding; trim and cabinet faces show wear. Kitchen has sink/cabinets in place but no stove or refrigerator visible (missing appliances reduce readiness moderately). Porch stairs and railing show chipping paint but are intact. Overall cosmetic and minor repair items dominate rather than structural defects."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 71.7,
"rationale": "Exterior siding and windows appear in reasonable condition; windows are described as updated and photos show newer double-hung units. Porch, steps and guardrails are present though paint/wear is visible. Lot is large with adequate yard space; walkways and driveway show wear and minor cracking but no standing water observed. Foundation appears continuous with perimeter vents; no visible major foundation displacement or severe exterior deterioration in photos."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.3,
"rationale": "Visible safety items are generally present: functioning exterior porch light, front door with deadbolt, operable windows that provide egress, interior smoke detector visible in hallway. No exposed wiring or visible electrical panel damage in photos. No visible active water stains, mold, or ceiling collapse. Unknowns lower the score: no carbon-monoxide detector is visible (may be required if gas appliances present), GFCI protection near wet areas is not clearly visible, and hot water availability is not confirmed from photos. No immediate life-threatening hazards observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 69.0,
"rationale": "Exterior HVAC condenser is present (indicates forced-air system likely installed). Plumbing fixtures (toilet, sink) and drains appear intact; the kitchen sink is installed. Electrical panel and circuit access appear present on interior wall. Roof shows no obvious sagging or open areas in exterior photo, but age is unknown. Water heater, furnace condition and proof of operational hot water/heat are not shown. Flooring transitions and some trim around thresholds need attention. Given visible evidence, systems appear plausible but not fully documented or confirmed operational."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"HVAC condenser visible implies a forced-air system and heating is present, but furnace operation was not verified in photos.",
"Water heater is present and functional though not shown; hot water availability is assumed but must be confirmed.",
"No gas leaks or unsafe gas venting present; no gas appliances visible in photos.",
"Electrical panel and circuits are intact and safe; GFCI protection in kitchen/bath is not visible and may be required.",
"Windows shown provide adequate bedroom egress; measurements not taken but double-hung units appear full-size.",
"No visible severe pest infestation or active standing water; crawlspace/foundation interior condition not visible and assumed typical for age unless inspection finds otherwise.",
"Lead-based paint risk exists due to 1952 construction but no peeling paint is visible; lead-risk mitigation may be required per local rules if disturbed.",
"Missing stove and refrigerator (not shown) — assumed absent and would need provisioning prior to move-in or documented tenant responsibility."
],
"score_method": "mean_of_criteria",
"overall_score": 70.9,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7305282362"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.