Property ID: 7331227254

1672 Fulton Ave SW, Birmingham, AL, 35211

Birmingham, AL

For Sale Feb 16, 2026 02:49 AM UTC Realtor Zillow Street View
Money Down: $18,000 CoC Return: 32.81% Monthly Cash Flow: $492
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$15,000
Closing Costs
$3,000
Total Down
$18,000
Primary property image

Investment Snapshot

Purchase Price
$75,000
Money Down
$18,000
Cash-on-Cash Return
32.81%
Rent
$1,151
Monthly Cash Flow
$492
Annual Cash Flow
$5,905
Debt Service / Mo
$399
Property Tax / Mo
$84
Insurance / Mo
$60

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,151
Payment Standard
$1,584
Rent
$1,151
Insurance
$60
Property Tax
$84
Management
$115
Utilities Allowance
$433
NOI (Monthly)
$891
Debt Service
$399
Cash Flow After Debt
$492

Quality Score: 62.60%

Confidence: 83.00%

Based on exterior photos and the listing, this 3-bed/1-bath bungalow appears rentable with mostly cosmetic and minor maintenance needs. A 2022 roof replacement is a strong positive. The property is currently occupied and has recent rental activity, which reduces near-term vacancy risk. Key unknowns are interior conditions and functional status of HVAC, electrical, smoke/CO detectors, GFCI protection, and plumbing/hot water. Likely Section 8/NSPIRE outcome: probably passable after addressing routine items (install/verify detectors, fix handrail/step paint, trim vegetation, verify GFCIs) — allow 1–4 weeks for minor repairs and documentation if interior systems are functional. If interior inspection reveals older electrical or plumbing deficiencies, additional repairs could be required.

Section 8 Payment Standard
$1,584
Utility Allowance Total
$433
Guaranteed Section 8 Rent (PS - Utilities)
$1,151
Property Management
$115

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$75,000
Beds
3
Baths
1
Living Area
2,956 sqft
Lot Size
6,970 sqft
Year Built
1925
Days on Market
144
Capital Outlay
$18,000
Debt Service
$399
Property Tax / Mo
$84
Insurance / Mo
$60

Property Description

This 3 bedroom, 1 bathroom home offers solid investment potential with a new roof installed in 2022 and reliable tenants already in place. The property provides steady rental income, making it a strong addition to any portfolio, while the recent roof update gives peace of mind on one of the biggest expenses. With manageable upkeep and income-producing occupancy, this home is well-suited for both new and seasoned investors. Rent 1,030, CapRate 16.48%.

Utility Allowances

Heating
$38
The property has central heating. The presence of a gas water heater and gas oven indicates natural gas is the heating fuel. Spire is selected as a major local provider.
Cooling
$22
The property has central air conditioning, which is electric. Alabama Power is selected as the primary electric provider in the area.
Cooking
$15
The property includes a gas oven and stove. Spire is the selected natural gas provider.
Water Heating
$35
The property listing specifies a gas water heater. Spire is the selected natural gas provider.
Other Electric
$68
Covers general electricity for lights and outlets. Alabama Power is the primary electric provider in the area. This line item includes an allowance for a refrigerator, which is landlord-provided in this case, but cannot be separated.
Refrigerator
$0
The property includes a refrigerator as per the listing details, so there is no allowance for a tenant-owned appliance.
Range/Microwave
$6
The property does not explicitly include a microwave, so an allowance for a tenant-owned microwave is provided as per the schedule.
Water
$78
The property is on public water in Birmingham, and the schedule has a specific rate for this provider.
Sewer
$151
The property is connected to public sewer. The schedule provides a fixed rate based on bedroom count.
Trash Collection
$20
The property is located in Birmingham (Jefferson County). The 'Jefferson City (Once per week)' rate is selected as the most appropriate option from the schedule.

Source References

Payment Standard Source
Effective Date: Jan 01, 2026
Utility Allowance Source
Effective Date: Jan 01, 2026

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$583
DP3 Annual Estimate$867
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$72
Replacement Value$63,800
Basis2,956 sqft / 1925

Nearby Houses

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409 16th Pl SW

sold · 0.08 mi
Price: $15,000
3 bd / 1 ba · 1,359 sqft
Latest sale: $15,000 on Dec 31, 2019
Latest rent: —
Nearby house 2
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401 16th Pl SW

sold · 0.09 mi
Price: $41,500
3 bd / 1 ba · 1,328 sqft
Latest sale: $41,500 on Feb 08, 2022
Latest rent: —
Nearby house 3
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504 Francis Pl SW

sold · 0.09 mi
Price: $25,000
4 bd / 2 ba · 1,816 sqft
Latest sale: $25,000 on Jul 10, 2019
Latest rent: $1,195 on Dec 12, 2024
Nearby house 4
Photo unavailable

1686 Alabama Ave SW

sold · 0.11 mi
Price: $39,000
2 bd / 1 ba · 898 sqft
Latest sale: $39,000
Latest rent: $925 on Jul 15, 2025
Nearby house 5
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1625 SW Alabama Ave

off_market · 0.11 mi
Price: $19,900
2 bd / 2 ba · 1,290 sqft
Latest sale: —
Latest rent: —
Nearby house 6
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1632 Alabama Ave SW

sold · 0.12 mi
Price: $60,000
3 bd / 2 ba · 1,397 sqft
Latest sale: $60,000 on Jul 24, 2024
Latest rent: $1,275 on Sep 05, 2024
Nearby house 7
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415 18th St SW

sold · 0.12 mi
Price: $40,000
2 bd / 1 ba · 944 sqft
Latest sale: $40,000 on Nov 12, 2020
Latest rent: $725 on Feb 24, 2021
Nearby house 8
Photo unavailable

1671 Woodland Ave SW

sold · 0.12 mi
Price: $19,750
3 bd / 1 ba · 813 sqft
Latest sale: $19,750 on Aug 09, 2019
Latest rent: —
Nearby house 9
Photo unavailable

540 Francis St SW

for_sale · 0.12 mi
Price: $82,500
3 bd / 2 ba · 1,225 sqft
Latest sale: $82,500 on Dec 15, 2020
Latest rent: —
Nearby house 10
Photo unavailable

1645 Woodland Ave SW

sold · 0.13 mi
Price: $40,000
3 bd / 2 ba · 1,298 sqft
Latest sale: $40,000 on Aug 26, 2024
Latest rent: $1,500 on Dec 31, 2024
Nearby house 11
Photo unavailable

532 SW 16th Pl

sold · 0.13 mi
Price: $132,500
3 bd / 1 ba · 1,232 sqft
Latest sale: $132,500 on Mar 08, 2022
Latest rent: —
Nearby house 12
Photo unavailable

536 16th Way SW

sold · 0.13 mi
Price: $33,000
2 bd / 1 ba · 1,180 sqft
Latest sale: $33,000 on Oct 09, 2024
Latest rent: $1,100 on Jul 09, 2025
Photo unavailable

1612 Fulton Ave SW

sold · 0.14 mi
Price: $29,000
3 bd / 1 ba · 1,380 sqft
Latest sale: $29,000 on Dec 01, 2021
Latest rent: $1,150 on Feb 05, 2026
Nearby house 14
Photo unavailable

537 17th St SW

sold · 0.14 mi
Price: $40,000
4 bd / 2 ba · 2,012 sqft
Latest sale: $40,000 on Dec 31, 2025
Latest rent: —
Nearby house 15
Photo unavailable

604 16th Pl SW

sold · 0.15 mi
Price: $100,000
3 bd / 2 ba · 1,370 sqft
Latest sale: $100,000 on Jul 01, 2024
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • New roof installed in 2022 is intact and without active leaks (per listing).
  • Property is currently occupied and basic systems (heat, water, electricity) are functioning because of active tenancy.
  • Smoke and carbon monoxide detectors, GFCI outlets, and interior egress windows are not visible in photos and should be verified or installed as needed prior to inspection.
  • No significant interior structural damage (collapsed ceilings, major mold, severe foundation movement) exists since not visible from exterior; if present, score would be significantly lower.
  • Chimney staining is cosmetic; no active flue or venting hazard is assumed but should be inspected.
  • Missing appliances (stove/fridge) are not observed in exterior photos and would be considered repairable capital items if absent.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $981 $67,700 $13,540
2023 $981 $67,700 $13,540
2022 $849 $58,600 $11,720
2021 $725 $50,000 $10,000
2020 $752 $51,900 $10,380
2019 $752 $69,600 $13,920
2018 $838 $57,800 $11,560
2017 $874 $60,300 $12,060
2016 $859 $59,300 $11,860
2015 $906 $62,500 $12,500
2013 $361 $58,800 $11,760
2012 $360 $61,500 $6,150
2011 $271 $73,500 $7,350
2010 $266 $72,700 $7,270
2008 $417 $73,500 $7,350

Sale History

DateEventPrice
2017-06-26 Sold $15,900

Rental History

DateEventPriceSource
2024-09-13 Listed for rent $980
2023-03-16 Listed for rent $975
2022-10-01 Listed for rent $975
2021-05-30 Listed for rent $800

Photo Gallery

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              "list_date": "2009-07-24T07:00:00Z",
              "list_price": 60000,
              "listing_id": "510358423",
              "last_update_date": "2010-05-14T22:06:46Z",
              "last_status_change_date": "2010-05-14T07:00:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": "64 days",
            "source_listing_id": "435295",
            "price_change_percentage": null
          },
          {
            "date": "2009-07-24",
            "price": 79900,
            "listing": {
              "status": "off_market",
              "list_date": "2009-07-24T07:00:00Z",
              "list_price": 60000,
              "listing_id": "510358423",
              "last_update_date": "2010-05-14T22:06:46Z",
              "last_status_change_date": "2010-05-14T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": null,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "435295",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": false
  },
  "property_id": "7331227254",
  "generated_at": "2026-02-16T02:49:07.236528Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 62.6
  },
  "utility_allowance": {
    "zip_code": "35211",
    "home_photo": "https://ap.rdcpix.com/590fc1a26b57937845c264e6f35cb708l-m3404350638s-w1280.jpg",
    "rent_price": 1151.0,
    "loan_amount": 60000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/1672-Fulton-Ave-SW_Birmingham_AL_35211_M73312-27254",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 75000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 10695.37,
    "mortgage_monthly": 399.18,
    "payment_standard": 1584.0,
    "total_amount_out": 15000.0,
    "additional_photos": [],
    "down_payment_rate": 0.2,
    "insurance_monthly": 60.42,
    "monthly_cash_flow": 891.28,
    "property_tax_rate": 0.0060999999999999995,
    "_utility_allowance": {
      "sources": [
        "https://www.jcha.com/section-8-utility-allowances"
      ],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "The property has central heating. The presence of a gas water heater and gas oven indicates natural gas is the heating fuel. Spire is selected as a major local provider.",
        "utility": "Heating",
        "allowance": 38
      },
      {
        "note": "The property has central air conditioning, which is electric. Alabama Power is selected as the primary electric provider in the area.",
        "utility": "Cooling",
        "allowance": 22
      },
      {
        "note": "The property includes a gas oven and stove. Spire is the selected natural gas provider.",
        "utility": "Cooking",
        "allowance": 15
      },
      {
        "note": "The property listing specifies a gas water heater. Spire is the selected natural gas provider.",
        "utility": "Water Heating",
        "allowance": 35
      },
      {
        "note": "Covers general electricity for lights and outlets. Alabama Power is the primary electric provider in the area. This line item includes an allowance for a refrigerator, which is landlord-provided in this case, but cannot be separated.",
        "utility": "Other Electric",
        "allowance": 68
      },
      {
        "note": "The property includes a refrigerator as per the listing details, so there is no allowance for a tenant-owned appliance.",
        "utility": "Refrigerator",
        "allowance": 0
      },
      {
        "note": "The property does not explicitly include a microwave, so an allowance for a tenant-owned microwave is provided as per the schedule.",
        "utility": "Range/Microwave",
        "allowance": 6
      },
      {
        "note": "The property is on public water in Birmingham, and the schedule has a specific rate for this provider.",
        "utility": "Water",
        "allowance": 78
      },
      {
        "note": "The property is connected to public sewer. The schedule provides a fixed rate based on bedroom count.",
        "utility": "Sewer",
        "allowance": 151
      },
      {
        "note": "The property is located in Birmingham (Jefferson County). The 'Jefferson City (Once per week)' rate is selected as the most appropriate option from the schedule.",
        "utility": "Trash Collection",
        "allowance": 20
      }
    ],
    "cash_on_cash_return": 0.71,
    "down_payment_amount": 15000.0,
    "property_tax_annual": 1010.43,
    "property_tax_monthly": 84.2,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 433.0,
    "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": 5905.19,
    "property_management_monthly": 115.1,
    "monthly_cash_flow_after_debt": 492.1,
    "cash_on_cash_return_after_debt": 0.39
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Based on exterior photos and the listing, this 3-bed/1-bath bungalow appears rentable with mostly cosmetic and minor maintenance needs. A 2022 roof replacement is a strong positive. The property is currently occupied and has recent rental activity, which reduces near-term vacancy risk. Key unknowns are interior conditions and functional status of HVAC, electrical, smoke/CO detectors, GFCI protection, and plumbing/hot water. Likely Section 8/NSPIRE outcome: probably passable after addressing routine items (install/verify detectors, fix handrail/step paint, trim vegetation, verify GFCIs) — allow 1–4 weeks for minor repairs and documentation if interior systems are functional. If interior inspection reveals older electrical or plumbing deficiencies, additional repairs could be required.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Exterior photo shows generally intact envelope with cosmetic deferred maintenance: peeling paint on front steps, weathered front door/screen, overgrown shrubs and minor trim wear. Listing notes a new roof (2022) which reduces major short-term capital risk. No visible collapsed elements, large holes, or severe vandalism. Missing interior photos prevents confirmation of kitchen/bath appliance condition; absence of visible major deterioration supports a moderate-to-good score. Missing appliances (if any) would be an easy-to-fix, capital-only issue and were not evident from available information."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 65.0,
            "rationale": "No obvious life-threatening hazards visible from exterior: no collapsed ceilings, major foundation displacement, or severe roof sag. Front steps have a handrail on one side but it appears minimal; step surface paint is peeling which is a trip/slip risk to be remedied. No exposed wiring or panel issues are visible. Smoke/CO detectors, GFCI locations, interior egress window sizes, and plumbing/hot-water function cannot be confirmed from the photo — these are common inspection items and may require minor work. Given occupied status and no visible serious hazards, risk is moderate but addressable before inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (Roof, HVAC, Electrical, Plumbing)",
            "score": 55.0,
            "rationale": "Roof reported replaced in 2022 (listing), which strongly reduces roof-related risk. Other major systems (HVAC, water heater, electrical panel, plumbing) are not visible. Because the property is currently rented (recent rental history present), it is reasonable to infer basic systems are functional, but age (built 1925) increases likelihood of older electrical or plumbing components that may need attention. Without interior/system photos, assign a conservative mid-range score reflecting probable operability but unknown code compliance or lifecycle status."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "Front yard and walkway are intact and appear passable; siding and brick porch pillars show typical age-related wear but no major cracking or settlement visible. Shrubbery is overgrown and should be trimmed for sightlines and to prevent moisture against siding. Driveway and neighboring lot look typical; no standing water or obvious drainage failures visible. Chimney shows staining/discoloration but no clear collapse. Overall exterior is serviceable with routine maintenance."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental History (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [],
        "confidence": 0.55,
        "assumptions": [
          "New roof installed in 2022 is intact and without active leaks (per listing).",
          "Property is currently occupied and basic systems (heat, water, electricity) are functioning because of active tenancy.",
          "Smoke and carbon monoxide detectors, GFCI outlets, and interior egress windows are not visible in photos and should be verified or installed as needed prior to inspection.",
          "No significant interior structural damage (collapsed ceilings, major mold, severe foundation movement) exists since not visible from exterior; if present, score would be significantly lower.",
          "Chimney staining is cosmetic; no active flue or venting hazard is assumed but should be inspected.",
          "Missing appliances (stove/fridge) are not observed in exterior photos and would be considered repairable capital items if absent."
        ],
        "overall_score": 69.0,
        "rubric_version": "nsPIRE-v1.0-2026"
      },
      {
        "summary": "Overall the property appears to be a moderately turn-key investment with a new roof (2022) and active tenancy. Exterior shows mainly cosmetic deferred maintenance (door, porch paint, landscaping) and some chimney masonry wear. Critical safety and system items (smoke/CO detectors, GFCI, electrical panel, HVAC, plumbing, interior conditions) are not visible and therefore create moderate NSPIRE risk. With typical, limited interior updates and verification/installation of detectors and GFCI protection, the home is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 70.0,
            "rationale": "Exterior photo shows an older but intact bungalow with a reportedly new roof (2022). Visible deferred items are cosmetic: weathered front door, peeling paint on porch steps, overgrown shrubs, and general exterior wear. No obvious collapsed or missing building elements. Missing interior photos, so kitchen/bathroom/appliance condition is unknown; tenant occupancy suggests items are functional. Missing appliances alone were not assumed to be inspection-failing. Overall condition indicates minor repairs and cosmetic work rather than major rehab."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 50.0,
            "rationale": "From the exterior image and listing: no interior view to confirm smoke/CO detectors, GFCI, electrical panel condition, or bedroom egress. The house was built in 1925 and visible peeling paint on the porch/door raises a potential lead-paint risk. Chimney shows staining/spalling which could pose masonry hazards. There are handrail/guardrail questions at the front steps (one rail visible on right, left side appears lacking). No visible exposed wiring or active water intrusion. Given unknowns on detectors, GFCI, and interior condition, there is moderate inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (roof/HVAC/electrical/plumbing)",
            "score": 60.0,
            "rationale": "Positive: listing states a new roof installed in 2022 and tenants are present, which suggests functioning utilities. Negative/unknown: no exterior HVAC condenser is visible in the provided photo, and interior photos of furnace, water heater, electrical panel, or plumbing are not provided. Tenant occupancy and recent rental events (see rental history) make it more likely systems are operational, but lack of documentation/photos keeps this at a moderate score."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope & site condition",
            "score": 65.0,
            "rationale": "Front yard and walkway are serviceable; siding and brick piers appear intact. Some exterior maintenance needed: trimmed shrubs, porch step paint failure, and chimney masonry deterioration. No visible standing water, large foundation cracks, or major envelope failure from the single front-facing image. Driveway/side yard not fully visible; neighboring property close on the right."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent rental activity (5y)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Visible peeling/failed paint on porch steps and door — lead-paint risk likely due to 1925 construction.",
          "Chimney shows staining/spalling which may indicate masonry deterioration needing repair.",
          "No interior views to confirm presence/function of smoke and carbon monoxide detectors — potential NSPIRE failure point.",
          "Unconfirmed GFCI protection in kitchen/bath and unknown condition of electrical panel — potential inspection risk.",
          "Front porch step rail/guard situation unclear (only one rail visible) — may be insufficient depending on riser count and local code."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Listing statement that a new roof was installed in 2022 is accurate.",
          "Property is currently tenant-occupied and utilities are active (per rental history and listing text).",
          "Major interior systems (heating/AC, water heater, electrical service) exist and are operational unless otherwise noted; absence of exterior condenser in the single photo does not confirm absence.",
          "No interior photos provided; interior condition (kitchen appliances, bathroom, smoke/CO detectors, GFCI outlets, electrical panel) is unknown and estimated based on tenant-occupied status.",
          "Visible peeling paint on porch/door is assumed to be typical surface deterioration; since the house was built in 1925, there's an elevated probability of lead-based paint risk until lead-safe verification is performed.",
          "Porch steps and railings are presumed to be structurally sound but in need of cosmetic/maintenance work unless an inspector finds otherwise."
        ],
        "overall_score": 67.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Based on the exterior photo, listing and rental history, the property is marginally rent-ready for Section 8 but carries a few inspection risks that should be resolved. The new roof (2022) and active tenancy are positives. Primary concerns that could cause an initial HCV/NSPIRE fail are missing/insufficient smoke/CO detectors and other interior safety items (unverified), peeling paint on the porch (lead-paint risk due to 1925 construction), and a partial/absent front handrail. With targeted, mostly minor repairs and verification of detectors, hot water, GFCI outlets and egress windows, the property would likely pass within 30 days.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 65.0,
            "rationale": "Exterior shows mostly intact envelope with cosmetic wear: worn front door, peeling paint on porch steps, overgrown shrubs, and minor paint/finish deterioration. No obvious collapsed surfaces or major exterior structural damage visible. Interior condition not shown; however active tenancy and listing text imply basic habitability. Missing interior appliances or minor fixtures cannot be confirmed from photos and are treated as moderate, fixable items."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 55.0,
            "rationale": "From the exterior: no exposed wiring or obvious electrical hazards visible. However several NSPIRE-critical items are unverified (smoke/CO detectors, GFCI protection, egress window sizes, electrical panel condition, hot water, and interior handrails). Photo shows a partial/absent left handrail at front steps and peeling paint on porch steps (property built 1925 = elevated lead-paint risk). These issues create measurable inspection risk. The new roof (2022) reduces immediate roof-leak risk but interior safety items remain unknown and could cause an inspection fail if absent."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (roof, HVAC, electrical, plumbing)",
            "score": 60.0,
            "rationale": "Listing states a new roof installed in 2022 and the roof appears serviceable from the photo — positive for near-term integrity. Major systems (HVAC, water heater, electrical panel, plumbing) are not visible; presence of current tenants implies operational basic systems but verification is required. Given age (1925) there is moderate risk of older plumbing/electrical components needing updates. No evidence of active leaks, collapsed ceilings, or standing water visible from exterior."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 65.0,
            "rationale": "Front yard and walkway are maintained and passable; siding and brick porch columns appear intact. Visible issues include staining/age on chimney, and what appears to be rot or missing trim/gutter fascia at the left eave which could allow water intrusion if not repaired. Walkway shows typical cracking but not collapse. No visible signs of significant foundation movement or major exterior infestation were observed in the provided photo."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent rental history (5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Partial/missing front porch handrail (unsafe stairs risk)",
          "Peeling paint on porch steps — elevated lead-based paint risk (property built 1925)",
          "Evidence of rotted/missing fascia or gutter at left eave — potential for water intrusion if not repaired",
          "Chimney shows age-related deterioration and should be inspected for structural or venting issues"
        ],
        "confidence": 0.6,
        "assumptions": [
          "New roof installed in 2022 is in good condition as stated in listing and shows no visible sagging or active leaks from exterior photo.",
          "Interior systems (HVAC, water heater, electrical, plumbing) are present and function at a baseline level because tenants are in place, but their code compliance and age are unverified.",
          "Smoke and carbon monoxide detectors, GFCI protection, and proper bedroom egress are not visible in photos and therefore assumed unknown — they must be verified before inspection.",
          "No interior photos provided; interior cosmetic or safety defects may exist that would change the score if revealed.",
          "Peeling paint observed on porch steps is assumed to be old lead-based paint risk due to 1925 build year until testing confirms otherwise."
        ],
        "overall_score": 61.0,
        "rubric_version": "1.0"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "1672 Fulton Ave SW, Birmingham, AL, 35211",
    "aggregate": {
      "summary": "Based on exterior photos and the listing, this 3-bed/1-bath bungalow appears rentable with mostly cosmetic and minor maintenance needs. A 2022 roof replacement is a strong positive. The property is currently occupied and has recent rental activity, which reduces near-term vacancy risk. Key unknowns are interior conditions and functional status of HVAC, electrical, smoke/CO detectors, GFCI protection, and plumbing/hot water. Likely Section 8/NSPIRE outcome: probably passable after addressing routine items (install/verify detectors, fix handrail/step paint, trim vegetation, verify GFCIs) — allow 1–4 weeks for minor repairs and documentation if interior systems are functional. If interior inspection reveals older electrical or plumbing deficiencies, additional repairs could be required.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 68.3,
          "rationale": "Exterior photo shows generally intact envelope with cosmetic deferred maintenance: peeling paint on front steps, weathered front door/screen, overgrown shrubs and minor trim wear. Listing notes a new roof (2022) which reduces major short-term capital risk. No visible collapsed elements, large holes, or severe vandalism. Missing interior photos prevents confirmation of kitchen/bath appliance condition; absence of visible major deterioration supports a moderate-to-good score. Missing appliances (if any) would be an easy-to-fix, capital-only issue and were not evident from available information."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 66.7,
          "rationale": "Front yard and walkway are intact and appear passable; siding and brick porch pillars show typical age-related wear but no major cracking or settlement visible. Shrubbery is overgrown and should be trimmed for sightlines and to prevent moisture against siding. Driveway and neighboring lot look typical; no standing water or obvious drainage failures visible. Chimney shows staining/discoloration but no clear collapse. Overall exterior is serviceable with routine maintenance."
        },
        {
          "key": "rental_history_activity",
          "label": "Recent Rental History (last 5 years)",
          "score": 100.0,
          "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Compliance Risk",
          "score": 56.7,
          "rationale": "No obvious life-threatening hazards visible from exterior: no collapsed ceilings, major foundation displacement, or severe roof sag. Front steps have a handrail on one side but it appears minimal; step surface paint is peeling which is a trip/slip risk to be remedied. No exposed wiring or panel issues are visible. Smoke/CO detectors, GFCI locations, interior egress window sizes, and plumbing/hot-water function cannot be confirmed from the photo — these are common inspection items and may require minor work. Given occupied status and no visible serious hazards, risk is moderate but addressable before inspection."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (Roof, HVAC, Electrical, Plumbing)",
          "score": 58.3,
          "rationale": "Roof reported replaced in 2022 (listing), which strongly reduces roof-related risk. Other major systems (HVAC, water heater, electrical panel, plumbing) are not visible. Because the property is currently rented (recent rental history present), it is reasonable to infer basic systems are functional, but age (built 1925) increases likelihood of older electrical or plumbing components that may need attention. Without interior/system photos, assign a conservative mid-range score reflecting probable operability but unknown code compliance or lifecycle status."
        }
      ],
      "red_flags": [],
      "confidence": 0.83,
      "assumptions": [
        "New roof installed in 2022 is intact and without active leaks (per listing).",
        "Property is currently occupied and basic systems (heat, water, electricity) are functioning because of active tenancy.",
        "Smoke and carbon monoxide detectors, GFCI outlets, and interior egress windows are not visible in photos and should be verified or installed as needed prior to inspection.",
        "No significant interior structural damage (collapsed ceilings, major mold, severe foundation movement) exists since not visible from exterior; if present, score would be significantly lower.",
        "Chimney staining is cosmetic; no active flue or venting hazard is assumed but should be inspected.",
        "Missing appliances (stove/fridge) are not observed in exterior photos and would be considered repairable capital items if absent."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 62.6,
      "rubric_version": "nsPIRE-v1.0-2026",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7331227254"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.