Property ID: 7349978748
911 12th Ave, Midfield, AL, 35228
Midfield, AL
Money Down: $8,280
CoC Return: 97.85%
Monthly Cash Flow: $675
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$6,900
Closing Costs
$1,380
Total Down
$8,280
Investment Snapshot
Purchase Price
$34,500
Money Down
$8,280
Cash-on-Cash Return
97.85%
Rent
$1,033
Monthly Cash Flow
$675
Annual Cash Flow
$8,102
Debt Service / Mo
$184
Property Tax / Mo
$38
Insurance / Mo
$33
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,033
Payment Standard
$1,265
Rent
$1,033
Insurance
$33
Property Tax
$38
Management
$103
Utilities Allowance
$232
NOI (Monthly)
$859
Debt Service
$184
Cash Flow After Debt
$675
Quality Score: 61.90%
Confidence: 88.00%
This 2BR, 1BA 1920 single-family appears structurally intact and largely cosmetically repaired; with paint touch-ups, porch/stair maintenance, and basic system checks it could be made Section 8 / NSPIRE-ready. Major unknowns remain for life-safety items (smoke/CO detectors, GFCIs), HVAC and water heater operation, and bedroom egress — these are NSPIRE-critical and require verification. The most likely immediate fixes are installation/testing of alarms, GFCI receptacles, addressing peeling paint (lead-risk mitigation due to age), and minor porch/stair repairs. Anticipated passability: borderline — likely moderate repairs and verifications required (30–60 days) before passing an initial HCV inspection unless systems and detectors are already present and functional but not shown.
Section 8 Payment Standard
$1,265
Utility Allowance Total
$232
Guaranteed Section 8 Rent (PS - Utilities)
$1,033
Property Management
$103
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$34,500
Beds
2
Baths
1
Living Area
992 sqft
Lot Size
6,534 sqft
Year Built
1920
Days on Market
80
Capital Outlay
$8,280
Debt Service
$184
Property Tax / Mo
$38
Insurance / Mo
$33
Property Description
This cozy Midfield home offers a welcoming front exterior and a simple, practical layout inside. The living room opens up with good natural light, leading into a straightforward kitchen layout that's easy to work with. Both bedrooms offer comfortable space, and the bathroom is conveniently located for everyday use. The home sits on a nice lot with a usable yard, giving you room for outdoor activities or future improvements. Located in an established neighborhood with quick access to schools, shops, and main roads, this property is a great option for anyone looking for an affordable home or an investment with solid potential.
Utility Allowances
Heating
$31
The property has central heating. Natural gas (Spire) is chosen as the fuel type, inferred from the explicit mention of a gas water heater. Spire is the major provider in the area.
Cooling
$0
The property information explicitly states 'No Air' conditioning, so no allowance is provided.
Cooking
$13
The stove is assumed to be tenant-supplied as it is not mentioned as included. The fuel is assumed to be Natural Gas (Spire) based on the presence of other gas appliances.
Water Heating
$29
The property listing specifies a gas water heater. Natural Gas (Spire) is selected as the most likely provider.
Other Electric
$56
This covers general electricity for lights, outlets, and miscellaneous appliances. Alabama Power is the primary electricity provider for Midfield, AL.
Water
$69
The property is on public water. The 'Water: Birmingham' schedule is used as the Birmingham Water Works Board serves the Midfield area.
Sewer
$0
The property has a septic system, negating the need for a public sewer utility allowance.
Trash Collection
$20
Midfield is not explicitly listed in the schedule; 'Jefferson City' is selected as the most applicable option for trash service within Jefferson County.
Refrigerator
$8
The refrigerator is not listed as a provided appliance and is assumed to be tenant-owned.
Range/Microwave
$6
A microwave is not listed as a provided appliance and is assumed to be tenant-owned.
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$281
DP3 Annual Estimate$500
DP1 Monthly Equivalent$23
DP3 Monthly Equivalent$42
Replacement Value$17,000
Basis992 sqft / 1920
Nearby Houses
Photo unavailable
910 12th Ave
sold · 0.03 mi
Price: $61,500
3 bd / 1 ba · 1,160 sqft
Latest sale: $61,500 on Jun 27, 2023
Latest rent: —
Photo unavailable
1117 Carol Cir
sold · 0.04 mi
Price: $45,000
4 bd / 2 ba · 1,504 sqft
Latest sale: $45,000 on Oct 31, 2025
Latest rent: —
Photo unavailable
1101 12th Ave
sold · 0.05 mi
Price: $11,000
2 bd / 1 ba
Latest sale: $11,000 on May 19, 2016
Latest rent: $725 on Feb 25, 2020
Photo unavailable
1113 Carol Cir
sold · 0.05 mi
Price: $16,250
3 bd / 1 ba · 1,292 sqft
Latest sale: $16,250 on Feb 18, 2017
Latest rent: —
Photo unavailable
1102 12th Ave
sold · 0.07 mi
Price: $90,000
3 bd / 1 ba · 1,872 sqft
Latest sale: $90,000 on Jun 17, 2025
Latest rent: —
Photo unavailable
1105 Carol Cir
sold · 0.07 mi
Price: $125,000
3 bd / 1 ba · 1,008 sqft
Latest sale: $125,000 on Nov 08, 2024
Latest rent: $1,020 on Jan 07, 2024
Photo unavailable
1211 9th St
off_market · 0.08 mi
Price: $35,000
3 bd / 1 ba · 997 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1101 Carol Cir
sold · 0.08 mi
Price: $75,000
3 bd / 1 ba · 1,388 sqft
Latest sale: $75,000 on Mar 25, 2022
Latest rent: $1,040 on Oct 09, 2023
Photo unavailable
1404 Carol Cir
sold · 0.09 mi
Price: $25,379
3 bd / 1 ba
Latest sale: $25,379 on Jul 08, 2016
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Potential lead-paint risk (house built 1920) with visible peeling paint in areas
- No documented smoke detectors or CO alarms in interior photos (NSPIRE critical)
- Major mechanical systems (HVAC, water heater, furnace) not shown or verified
- Large tree trunk immediately adjacent to front porch/house — root impact to foundation/walkway and trip hazard
- Ceiling shows waviness/irregular surface in photos (possible minor sag/settling) that requires evaluation
Assumptions
- Property is currently vacant or staged for sale; utilities may be off during photo shoot.
- Kitchen and bathroom conditions (fixtures, presence of stove/fridge, GFCIs) are not visible — assume unknown and require inspection.
- No visible HVAC condenser or furnace in photos; assume system exists but its operational status is unknown.
- Basement/crawlspace condition not visible beyond small basement windows; assume crawl/basement accessible but condition unknown.
- Age (1920) implies elevated likelihood of lead-based paint and older plumbing/electrical components unless previously remediated.
- Photos showing paper notices on window likely indicate property is vacant or has had recent inspections/notifications; assume landlord will need to verify utility connectivity and alarm installations prior to HCV inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $447 | $26,900 | $4,880 |
| 2023 | $429 | $28,700 | $5,200 |
| 2022 | $402 | $26,900 | $4,880 |
| 2021 | $369 | $24,700 | $4,480 |
| 2020 | $369 | $24,700 | $4,480 |
| 2019 | $369 | $24,700 | $4,480 |
| 2018 | $331 | $22,200 | $4,020 |
| 2017 | $331 | $22,200 | $4,020 |
| 2016 | $331 | $22,200 | $4,020 |
| 2015 | $331 | $22,200 | $4,020 |
| 2013 | $227 | $40,200 | $7,300 |
| 2012 | $227 | $40,150 | $4,015 |
| 2011 | $240 | $42,100 | $4,210 |
| 2010 | $240 | $42,100 | $4,210 |
| 2009 | $240 | $42,100 | $4,210 |
| 2008 | $246 | $43,000 | $4,300 |
| 2007 | $243 | $42,600 | $4,260 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2014-11-20 | Sold | $11,005 |
| 2014-09-16 | Sold | $8,520 |
| 2014-03-26 | Sold | $8,520 |
| 1999-08-30 | Sold | $39,900 |
Photo Gallery
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"note": "The property has central heating. Natural gas (Spire) is chosen as the fuel type, inferred from the explicit mention of a gas water heater. Spire is the major provider in the area.",
"utility": "Heating",
"allowance": 31
},
{
"note": "The property information explicitly states 'No Air' conditioning, so no allowance is provided.",
"utility": "Cooling",
"allowance": 0
},
{
"note": "The stove is assumed to be tenant-supplied as it is not mentioned as included. The fuel is assumed to be Natural Gas (Spire) based on the presence of other gas appliances.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "The property listing specifies a gas water heater. Natural Gas (Spire) is selected as the most likely provider.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "This covers general electricity for lights, outlets, and miscellaneous appliances. Alabama Power is the primary electricity provider for Midfield, AL.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "The property is on public water. The 'Water: Birmingham' schedule is used as the Birmingham Water Works Board serves the Midfield area.",
"utility": "Water",
"allowance": 69
},
{
"note": "The property has a septic system, negating the need for a public sewer utility allowance.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Midfield is not explicitly listed in the schedule; 'Jefferson City' is selected as the most applicable option for trash service within Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The refrigerator is not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 1.49,
"down_payment_amount": 6900.0,
"property_tax_annual": 460.41,
"property_tax_monthly": 38.37,
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"property_management_rate": 0.1,
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"runs": [
{
"summary": "This 2BR, 1BA 1920 single-family appears structurally intact and largely cosmetically repaired; with paint touch-ups, porch/stair maintenance, and basic system checks it could be made Section 8 / NSPIRE-ready. Major unknowns remain for life-safety items (smoke/CO detectors, GFCIs), HVAC and water heater operation, and bedroom egress — these are NSPIRE-critical and require verification. The most likely immediate fixes are installation/testing of alarms, GFCI receptacles, addressing peeling paint (lead-risk mitigation due to age), and minor porch/stair repairs. Anticipated passability: borderline — likely moderate repairs and verifications required (30–60 days) before passing an initial HCV inspection unless systems and detectors are already present and functional but not shown.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Property shows mostly intact structure with cosmetic wear. Exterior and porch paint peeling, stair treads and porch need repainting/patching, and blinds/windows show damage. Interior finishes (laminate flooring, painted walls, built-in shelving) look in fair condition. No large areas of collapsed finishes visible. Missing or unknown kitchen/bath appliance condition (not pictured) reduces score slightly but is not an automatic failure. Overall mostly cosmetic and easily repaired items estimated to require light-to-moderate work."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Some safety elements visible and acceptable: front entry has two locks (knob + deadbolt) and porch railings/handrails are present on the main stair run. However critical items are not documented in the photos: no visible smoke detectors or CO alarms, GFCI presence in kitchen/bath not shown, bedroom egress windows not verified, and there is visible paint peeling (home built 1920) raising lead-paint risk. Ceiling shows minor waviness which could indicate settling. No exposed electrical wiring is apparent in photos. Because of multiple unknowns that are NSPIRE-critical (smoke/CO detectors, egress, GFCI), safety score is moderate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 50.0,
"rationale": "Major mechanical systems are not documented in the listing photos. Roof appears intact from available angles; no obvious active roof leaks. No exterior HVAC condenser or furnace is visible in photos and no water heater/plumbing components are shown. A floor vent is visible in the living room which suggests ducted heating/AC may be present but operational status is unknown. Given the property's 1920 age, systems should be assumed to need inspection and likely servicing or replacement; unknowns reduce the score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Lot is usable with a clear front yard and side drive; chain-link fence present on one side. Foundation brick is painted but appears generally intact with no large visible cracks. The large front tree sits very close to the porch/house and roots have disrupted the front walkway (trip hazard and potential long-term foundation risk). Porch/steps are structurally present with railings but need paint and minor repairs. No standing water or obvious severe site neglect seen."
}
],
"red_flags": [
"Potential lead-paint risk (house built 1920) with visible peeling paint in areas",
"No documented smoke detectors or CO alarms in interior photos (NSPIRE critical)",
"Major mechanical systems (HVAC, water heater, furnace) not shown or verified",
"Large tree trunk immediately adjacent to front porch/house — root impact to foundation/walkway and trip hazard",
"Ceiling shows waviness/irregular surface in photos (possible minor sag/settling) that requires evaluation"
],
"confidence": 0.7,
"assumptions": [
"Property is currently vacant or staged for sale; utilities may be off during photo shoot.",
"Kitchen and bathroom conditions (fixtures, presence of stove/fridge, GFCIs) are not visible — assume unknown and require inspection.",
"No visible HVAC condenser or furnace in photos; assume system exists but its operational status is unknown.",
"Basement/crawlspace condition not visible beyond small basement windows; assume crawl/basement accessible but condition unknown.",
"Age (1920) implies elevated likelihood of lead-based paint and older plumbing/electrical components unless previously remediated.",
"Photos showing paper notices on window likely indicate property is vacant or has had recent inspections/notifications; assume landlord will need to verify utility connectivity and alarm installations prior to HCV inspection."
],
"overall_score": 60.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "Moderate Section 8/NSPIRE risk. Property is cosmetically improved and could be rent-ready with 2–6 weeks of work addressing life-safety items and systems verification. Primary concerns for initial HCV inspection are absence of visible smoke/CO detectors, lack of documentation/photos for HVAC, water heater and electrical panel/GFCI protection, and minor trip/porch repairs. If mechanical systems and detectors are confirmed operable/installed, the property is likely to pass after minor fixes; if major systems are nonfunctional, more significant delays/repairs will be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Cosmetic and mid-level deferred items dominate: exterior/interior paint touch-ups, peeling paint on steps, cracked front walkway, broken blinds, and minor porch wear. Interior flooring (laminate) appears recently replaced or in good condition. No visible major structural collapse, severe mold, or extensive water damage in photos. Missing/unknown appliances and some trim damage reduce score moderately but are treatable as capital/turnkey repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE-related)",
"score": 55.0,
"rationale": "Visible positive items: front entry has a deadbolt and the porch has guard rails. Observed negatives/uncertainties: no smoke detectors or CO alarms are visible in interior photos (required), no clear evidence of GFCI outlets in kitchen/bath (kitchen/bath not photographed), basement windows visible but egress adequacy for habitable space is unclear, and exposed wiring or electrical panel not shown. Steps/porch show wear that could become a trip hazard if not remediated. No active leaks or obvious sagging seen. Overall a moderate NSPIRE risk driven by missing/unknown life-safety devices and electrical/GFCI unknowns."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 50.0,
"rationale": "Key systems are not photographed: no visible HVAC condenser or interior HVAC registers shown, no water heater, and no electrical panel. Roof visible from photos appears intact with no obvious missing shingles or sagging, but age likely elevated (home built 1920). Without confirmation of working heating, cooling, water heater and a compliant electrical panel/GFCI, inspection risk is moderate to high. If systems are functional, score would rise; absence of evidence forces a conservative rating."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Lot is usable with ample yard; chain-link fence at side. Foundation brick appears intact and painted; basement windows present. Walkway is cracked and tree is very close to foundation/sidewalk (root uplift risk). Porch and steps are serviceable but need paint and possibly tread repair. No visible standing water or major drainage failure in photos. Neighboring properties and street access appear typical for the area."
}
],
"red_flags": [
"no_visible_smoke_or_carbon_monoxide_detectors_in_photos",
"no_visible_heating_or_central_ac_equipment_in_photos",
"electrical_panel_and_gfci_outlets_not_shown_or_documented"
],
"confidence": 0.65,
"assumptions": [
"No interior photos of kitchen or bathroom were provided; presence and condition of stove, refrigerator, and GFCI outlets are unknown.",
"No photos of HVAC equipment, water heater, or electrical panel were provided; assessment assumes typical risk for a 1920 house without visible modern equipment.",
"Smoke and carbon monoxide detectors are not visible in the provided interior photos; assessment assumes they are absent or not properly documented.",
"Bedrooms and their egress windows were not photographed; assume main-floor bedrooms have typical windows but basement egress (if used as living space) is unconfirmed.",
"Porch railings and stairs were assessed visually from photos; their structural integrity (loose posts, secure connections) is assumed but should be physically tested.",
"No active roof leaks or significant foundation movement are visible in photos; assume none detected but recommend on-site verification for hidden issues.",
"Missing appliances (fridge/stove) were not observed; these would be moderate capital items to supply but not automatic inspection fails."
],
"overall_score": 60.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 2-bed, 1-bath 1920 bungalow appears structurally intact and mostly cosmetic in need of repair. The property looks like a reasonable candidate for Section 8/HCV tenancy after a modest scope of work: verify and repair mechanical systems if needed, install/verify required smoke and CO detectors, reinforce/repair porch handrails and steps, address minor cosmetic repairs (paint, blinds, threshold), and confirm egress and plumbing/hot water operation. With those items completed this would likely pass an initial NSPIRE/HCV inspection; current unknowns (alarms and system operation) are the main inspection risks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior and exterior are mostly intact with recent-looking laminate flooring, painted walls, and a solid-looking porch structure. Visible deferred items are cosmetic: peeling paint on porch/steps, torn blinds, small trim/threshold damage, and minor porch floor patching. No collapsed finishes or exposed structural framing seen. Kitchen and bathroom photos are not provided so missing appliances are unknown; absence of visible appliances would reduce score only moderately. Overall repair work appears cosmetic and achievable within 1–4 weeks."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Some safety items are unclear or not shown. Entry door has a keyed lock and deadbolt (good). Porch has railings and handrails but some baluster/rail elements look aged and may need reinforcement. No smoke detectors or CO detectors are visible in the photos (NSPIRE requires alarms on each level and in/near sleeping areas) — likely a failing item if absent. No obvious exposed wiring or active hazards are visible in photos, but there's evidence of low-level electrical work (wires near fireplace) that need verification. Bedroom egress for main-floor rooms appears likely via windows, but bedroom photos are not provided. House built 1920 — lead-based paint hazard is possible and must be addressed for units with children. Overall moderate NSPIRE risk until alarms and minor rail/threshold items are corrected and systems verified."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 60.0,
"rationale": "No mechanical equipment (HVAC condenser, water heater, electrical panel) is shown in the provided photos. A floor vent or register is visible in the living area suggesting a forced-air system may exist, but operational condition cannot be confirmed. Roof and chimney appear intact from available angles with no visible sagging or active leaks. Electrical sources and plumbing fixtures are not shown; hot water and heating operation are unknown and will be inspection focal points. Given the lack of evidence of catastrophic system failure but also lack of confirmation, score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior / Site",
"score": 70.0,
"rationale": "Front yard and lot are usable; driveway/walkway are utilitarian with some cracking and wear. Brick foundation appears generally intact with basement windows present. Siding is older but painted and seems weatherproof in photos. Large tree at the front is very close to the foundation and could present root/soil/moisture risks long term. Chain-link fencing present on one side; no obvious standing water or severe drainage issues visible, but grading near the right side driveway slopes up toward the rear which should be checked for drainage into the foundation."
}
],
"red_flags": [
"No visible smoke detectors/CO alarms in provided interior photos (NSPIRE failure if missing).",
"Porch stairs and some handrail/baluster areas show wear and may be loose — fall hazard until reinforced.",
"Large tree with trunk close to front foundation — potential long-term root/foundation/soil issues.",
"Age of house (built 1920) implies potential lead-based paint risk that must be addressed for Section 8 with children/target housing."
],
"confidence": 0.7,
"assumptions": [
"No interior photos of kitchen, bathroom, bedrooms, HVAC equipment, water heater, or electrical panel were provided — I assume these systems exist but require verification and may need service.",
"No smoke or carbon monoxide detectors were visible in the provided photos; assume alarms are not installed or not visible and will need proper placement and function testing.",
"Appliances (stove/fridge) are not shown; assume appliances may be missing and would be a moderate, fixable readiness item if absent.",
"Roof shows no visible sagging or active leaks in exterior photos; assume roof is serviceable but should be inspected at close range.",
"No clear evidence of severe moisture intrusion, mold, or active pest infestation in photos; assume none visible but a close interior check is required."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "911 12th Ave, Midfield, AL, 35228",
"aggregate": {
"summary": "This 2BR, 1BA 1920 single-family appears structurally intact and largely cosmetically repaired; with paint touch-ups, porch/stair maintenance, and basic system checks it could be made Section 8 / NSPIRE-ready. Major unknowns remain for life-safety items (smoke/CO detectors, GFCIs), HVAC and water heater operation, and bedroom egress — these are NSPIRE-critical and require verification. The most likely immediate fixes are installation/testing of alarms, GFCI receptacles, addressing peeling paint (lead-risk mitigation due to age), and minor porch/stair repairs. Anticipated passability: borderline — likely moderate repairs and verifications required (30–60 days) before passing an initial HCV inspection unless systems and detectors are already present and functional but not shown.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.0,
"rationale": "Property shows mostly intact structure with cosmetic wear. Exterior and porch paint peeling, stair treads and porch need repainting/patching, and blinds/windows show damage. Interior finishes (laminate flooring, painted walls, built-in shelving) look in fair condition. No large areas of collapsed finishes visible. Missing or unknown kitchen/bath appliance condition (not pictured) reduces score slightly but is not an automatic failure. Overall mostly cosmetic and easily repaired items estimated to require light-to-moderate work."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 66.7,
"rationale": "Lot is usable with a clear front yard and side drive; chain-link fence present on one side. Foundation brick is painted but appears generally intact with no large visible cracks. The large front tree sits very close to the porch/house and roots have disrupted the front walkway (trip hazard and potential long-term foundation risk). Porch/steps are structurally present with railings but need paint and minor repairs. No standing water or obvious severe site neglect seen."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Some safety elements visible and acceptable: front entry has two locks (knob + deadbolt) and porch railings/handrails are present on the main stair run. However critical items are not documented in the photos: no visible smoke detectors or CO alarms, GFCI presence in kitchen/bath not shown, bedroom egress windows not verified, and there is visible paint peeling (home built 1920) raising lead-paint risk. Ceiling shows minor waviness which could indicate settling. No exposed electrical wiring is apparent in photos. Because of multiple unknowns that are NSPIRE-critical (smoke/CO detectors, egress, GFCI), safety score is moderate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 53.3,
"rationale": "Major mechanical systems are not documented in the listing photos. Roof appears intact from available angles; no obvious active roof leaks. No exterior HVAC condenser or furnace is visible in photos and no water heater/plumbing components are shown. A floor vent is visible in the living room which suggests ducted heating/AC may be present but operational status is unknown. Given the property's 1920 age, systems should be assumed to need inspection and likely servicing or replacement; unknowns reduce the score."
}
],
"red_flags": [
"Potential lead-paint risk (house built 1920) with visible peeling paint in areas",
"No documented smoke detectors or CO alarms in interior photos (NSPIRE critical)",
"Major mechanical systems (HVAC, water heater, furnace) not shown or verified",
"Large tree trunk immediately adjacent to front porch/house — root impact to foundation/walkway and trip hazard",
"Ceiling shows waviness/irregular surface in photos (possible minor sag/settling) that requires evaluation"
],
"confidence": 0.88,
"assumptions": [
"Property is currently vacant or staged for sale; utilities may be off during photo shoot.",
"Kitchen and bathroom conditions (fixtures, presence of stove/fridge, GFCIs) are not visible — assume unknown and require inspection.",
"No visible HVAC condenser or furnace in photos; assume system exists but its operational status is unknown.",
"Basement/crawlspace condition not visible beyond small basement windows; assume crawl/basement accessible but condition unknown.",
"Age (1920) implies elevated likelihood of lead-based paint and older plumbing/electrical components unless previously remediated.",
"Photos showing paper notices on window likely indicate property is vacant or has had recent inspections/notifications; assume landlord will need to verify utility connectivity and alarm installations prior to HCV inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 61.9,
"rubric_version": "2026-02-hcv-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7349978748"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.