Property ID: 7356199012
3625 Grasselli Ave SW, Birmingham, AL, 35221
Birmingham, AL
Money Down: $22,800
CoC Return: 17.46%
Monthly Cash Flow: $332
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,000
Closing Costs
$3,800
Total Down
$22,800
Investment Snapshot
Purchase Price
$95,000
Money Down
$22,800
Cash-on-Cash Return
17.46%
Rent
$1,064
Monthly Cash Flow
$332
Annual Cash Flow
$3,982
Debt Service / Mo
$506
Property Tax / Mo
$66
Insurance / Mo
$54
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,064
Payment Standard
$1,518
Rent
$1,064
Insurance
$54
Property Tax
$66
Management
$106
Utilities Allowance
$454
NOI (Monthly)
$837
Debt Service
$506
Cash Flow After Debt
$332
Quality Score: 70.70%
Confidence: 85.00%
Overall the property appears largely turnkey with recent interior cosmetic updates and appliances per listing, a usable fenced yard, and porch/entry features. Primary issues visible that could affect an initial HCV/NSPIRE inspection are unsecured exterior electrical wiring near the meter and eaves, cracked concrete entry steps (trip hazard), peeling trim/soffit paint, and the absence in photos of CO detector/GFCI confirmation and visible HVAC equipment. These are fixable within a short timeframe with focused trades (electrician, concrete/patch, minor carpentry/paint). Likely to pass an initial Housing Choice Voucher inspection after addressing the exterior wiring, repairing/tanking the porch steps, confirming/adding CO and GFCI protection, and providing documentation of the electrical updates.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$454
Guaranteed Section 8 Rent (PS - Utilities)
$1,064
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$95,000
Beds
3
Baths
1
Living Area
1,120 sqft
Lot Size
6,534 sqft
Year Built
1962
Days on Market
40
Capital Outlay
$22,800
Debt Service
$506
Property Tax / Mo
$66
Insurance / Mo
$54
Property Description
Great turnkey property ready for home buyers or investors looking to add to their portfolios. This home features 3 bedrooms & 1 full bathroom. Large front porch leads into the living room & dining room. Kitchen has new countertops, fridge, gas stove, space for dishwasher & washer / dryer hookups. New carpet & vinyl throughout. There are 3 bedrooms have carpet. The hall bathroom has updated vanity, vinyl flooring & toliet. There is also a covered side porch & an open porch off the back for driveway parking & entrance. Corner lot with fenced yard. Home has Section 8 electrical updates done.
Utility Allowances
Cooking
$15
Property listing mentions a 'gas stove'. Selected 'N'Gas: Spire' as it is a major provider for the area.
Cooling
$22
Property has electric 'Central Air'. Selected 'A/C: Alabama Power' as it is the primary electric utility for Birmingham.
Heating
$38
Property has 'Central' heating. The presence of a gas stove suggests natural gas is the fuel. Selected 'N'Gas: Spire'.
Water Heating
$56
Property listing explicitly states 'Electric Water Heater'. Selected 'Elec: Ala Power'.
Other Electric
$68
Standard allowance for lights and general electric use. Selected 'Lights, Ref, Etc.: Ala Power' as it's the primary provider.
Water
$78
Property has 'Public Water' and is in Birmingham. Selected the 'Water: Birmingham' schedule.
Sewer
$151
Property listing states 'Sewer Connected'. The allowance is from the fixed schedule for a 3-bedroom unit.
Trash Collection
$20
The property is in Birmingham; 'Jefferson City (Once per week)' is the most applicable general rate from the schedule.
Range/Microwave
$6
The property does not mention a microwave, so this allowance is for a tenant-owned microwave.
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$513
DP3 Annual Estimate$776
DP1 Monthly Equivalent$43
DP3 Monthly Equivalent$65
Replacement Value$53,600
Basis1,120 sqft / 1962
Nearby Houses
Photo unavailable
3525 Carver Ave SW
sold · 0.09 mi
Price: $120,000
3 bd / 2 ba · 1,457 sqft
Latest sale: $120,000 on May 06, 2022
Latest rent: $1,099 on Aug 08, 2022
Photo unavailable
3720 Howard Ave SW
sold · 0.12 mi
Price: $64,000
3 bd / 1 ba · 1,092 sqft
Latest sale: $64,000 on Dec 22, 2025
Latest rent: $1,175 on Jan 02, 2026
Photo unavailable
3515 Carver Ave SW
for_sale · 0.12 mi
Price: $120,000
3 bd / 1 ba · 1,584 sqft
Latest sale: $96,300 on Sep 17, 2024
Latest rent: $1,000 on Feb 04, 2025
Photo unavailable
3535 Todd Ave SW
sold · 0.14 mi
Price: $77,500
4 bd / 2 ba · 1,624 sqft
Latest sale: $77,500 on Aug 31, 2021
Latest rent: $1,345 on Jul 20, 2023
Photo unavailable
3900 Carver Ave SW
sold · 0.15 mi
Price: $27,500
3 bd / 1 ba
Latest sale: $27,500 on Dec 05, 2016
Latest rent: —
Photo unavailable
3432 Willard Ave SW
sold · 0.16 mi
Price: $52,000
3 bd / 1 ba · 960 sqft
Latest sale: $52,000 on Nov 15, 2024
Latest rent: $1,050 on Aug 31, 2025
Photo unavailable
3324 Carver Ave SW
sold · 0.19 mi
Price: $39,000
4 bd / 2 ba · 1,152 sqft
Latest sale: $39,000 on Sep 20, 2018
Latest rent: —
Photo unavailable
3521 Wilson Rd SW Lot 910
sold · 0.19 mi
Price: $8,000
— bd / — ba
Latest sale: $8,000
Latest rent: —
Photo unavailable
3316 Carver Ave SW
sold · 0.20 mi
Price: $6,000
2 bd / 1 ba · 862 sqft
Latest sale: $6,000 on Aug 09, 2019
Latest rent: —
Photo unavailable
3521 Willard Ave SW
off_market · 0.20 mi
Price: $899
3 bd / 2 ba · 960 sqft
Latest sale: $38,000
Latest rent: $899 on Oct 02, 2025
Photo unavailable
3924 Grasselli Ave SW
for_sale · 0.20 mi
Price: $90,000
3 bd / 1 ba · 1,130 sqft
Latest sale: $500 on Oct 02, 2024
Latest rent: —
Photo unavailable
3729 Viola Ave SW
sold · 0.21 mi
Price: $58,700
2 bd / 2 ba · 1,552 sqft
Latest sale: $58,700 on May 23, 2019
Latest rent: —
Photo unavailable
3748 SW George Ave
sold · 0.21 mi
Price: $47,000
3 bd / 1 ba · 972 sqft
Latest sale: $47,000 on Dec 31, 2024
Latest rent: $1,150 on May 13, 2025
Photo unavailable
3016 Elmyra Dr
sold · 0.21 mi
Price: $155,000
3 bd / 2 ba · 1,104 sqft
Latest sale: $155,000 on Jun 07, 2024
Latest rent: —
Photo unavailable
3632 Viola Ave SW
for_sale · 0.22 mi
Price: $184,900
4 bd / 3 ba · 2,460 sqft
Latest sale: $50,000
Latest rent: —
Photo unavailable
3509 Willard Ave SW
sold · 0.22 mi
Price: $95,000
3 bd / 1 ba · 1,040 sqft
Latest sale: $95,000 on Jun 04, 2025
Latest rent: $1,245 on Jul 08, 2025
Photo unavailable
3604 Viola Ave SW
sold · 0.23 mi
Price: $85,000
3 bd / 2 ba · 1,360 sqft
Latest sale: $85,000
Latest rent: —
Photo unavailable
3008 Elmyra Dr
sold · 0.24 mi
Price: $88,000
3 bd / 2 ba · 1,104 sqft
Latest sale: $88,000 on May 28, 2025
Latest rent: $1,300 on Jan 30, 2026
Risk and Criteria Detail
Red Flags
- success
- Potential electrical hazard: unsecured/tangled exterior service wiring near meter and eaves visible in photos (needs electrician evaluation).
- Cracked/uneven concrete entry steps and porch edges creating a trip hazard and likely require repair.
- No visible carbon monoxide detector in photos (required where gas appliances are present) — add/verify placement.
- GFCI protection and electrical panel condition not visible — must be confirmed; lack of verification is an inspection risk.
Assumptions
- Kitchen appliances (fridge and gas stove) and washer/dryer hookups are present as stated in the listing; missing appliances are not suspected.
- A central HVAC system exists (floor vents visible) and is operational unless the inspector identifies otherwise — no condenser/furnace photos to verify.
- Water heater and plumbing are present and functioning though not pictured; no visible signs of active leaks inside or outside.
- Electrical system received 'Section 8 electrical updates' per listing but final compliance and panel condition must be verified by inspection and documentation.
- Bedrooms likely have code-compliant egress windows given age/type of home but exact measurements are not visible and should be confirmed onsite.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $774 | $63,100 | $11,420 |
| 2023 | $774 | $53,400 | $10,680 |
| 2022 | $752 | $51,900 | $10,380 |
| 2021 | $752 | $51,900 | $10,380 |
| 2020 | $752 | $51,900 | $10,380 |
| 2019 | $790 | $54,500 | $10,900 |
| 2018 | $667 | $46,000 | $9,200 |
| 2017 | $667 | $46,000 | $9,200 |
| 2016 | $667 | $46,000 | $9,200 |
| 2015 | $667 | $46,000 | $9,200 |
| 2013 | $644 | $45,300 | $9,060 |
| 2012 | $644 | $45,290 | $9,058 |
| 2011 | $654 | $46,000 | $9,200 |
| 2010 | $654 | $46,000 | $9,200 |
| 2009 | $654 | $46,000 | $9,200 |
| 2008 | $668 | $47,000 | $9,400 |
| 2007 | $651 | $45,800 | $9,160 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-08-18 | Sold | $48,000 |
| 2004-10-04 | Sold | $30,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-12-07 | Listed for rent | $900 | — |
| 2025-11-13 | Listed for rent | $995 | — |
| 2025-04-02 | Listed for rent | $1,150 | — |
| 2022-12-02 | Listed for rent | $1,150 | — |
Photo Gallery
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{
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"land": null,
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},
{
"tax": 774,
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},
{
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"assessment": {
"land": null,
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}
},
{
"tax": 752,
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"assessment": {
"land": null,
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}
},
{
"tax": 752,
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},
"assessment": {
"land": null,
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}
},
{
"tax": 790,
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},
"assessment": {
"land": null,
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}
},
{
"tax": 667,
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"assessment": {
"land": null,
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},
{
"tax": 667,
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},
{
"tax": 667,
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"building": 36500
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"assessment": {
"land": null,
"total": 9200,
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}
},
{
"tax": 667,
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"total": 46000,
"building": 36500
},
"assessment": {
"land": null,
"total": 9200,
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}
},
{
"tax": 644,
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"market": {
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"total": 45300,
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"assessment": {
"land": null,
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}
},
{
"tax": 644,
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"market": {
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"building": 35800
},
"assessment": {
"land": 1898,
"total": 9058,
"building": 7160
}
},
{
"tax": 654,
"year": 2011,
"market": {
"land": 9500,
"total": 46000,
"building": 36500
},
"assessment": {
"land": 1900,
"total": 9200,
"building": 7300
}
},
{
"tax": 654,
"year": 2010,
"market": {
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"total": 46000,
"building": 36500
},
"assessment": {
"land": 1900,
"total": 9200,
"building": 7300
}
},
{
"tax": 654,
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"market": {
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"total": 46000,
"building": 36500
},
"assessment": {
"land": 1900,
"total": 9200,
"building": 7300
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},
{
"tax": 668,
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"market": {
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"building": 37500
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"assessment": {
"land": 1900,
"total": 9400,
"building": 7500
}
},
{
"tax": 651,
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"market": {
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"total": 45800,
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"assessment": {
"land": 1800,
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}
],
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{
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{
"date": "2025-11-12",
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{
"date": "2025-09-16",
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{
"date": "2025-06-03",
"price": 1100,
"listing": {
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"list_date": null,
"list_price": 900,
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{
"date": "2025-04-01",
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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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"bedroom_count": 3,
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"down_payment_rate": 0.2,
"insurance_monthly": 53.71,
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"_utility_allowance": {
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],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property listing mentions a 'gas stove'. Selected 'N'Gas: Spire' as it is a major provider for the area.",
"utility": "Cooking",
"allowance": 15
},
{
"note": "Property has electric 'Central Air'. Selected 'A/C: Alabama Power' as it is the primary electric utility for Birmingham.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has 'Central' heating. The presence of a gas stove suggests natural gas is the fuel. Selected 'N'Gas: Spire'.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property listing explicitly states 'Electric Water Heater'. Selected 'Elec: Ala Power'.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Standard allowance for lights and general electric use. Selected 'Lights, Ref, Etc.: Ala Power' as it's the primary provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has 'Public Water' and is in Birmingham. Selected the 'Water: Birmingham' schedule.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property listing states 'Sewer Connected'. The allowance is from the fixed schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is in Birmingham; 'Jefferson City (Once per week)' is the most applicable general rate from the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property does not mention a microwave, so this allowance is for a tenant-owned microwave.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.53,
"down_payment_amount": 19000.0,
"property_tax_annual": 797.22,
"property_tax_monthly": 66.44,
"property_tax_increase": 0.03,
"utility_allowance_total": 454.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3981.92,
"property_management_monthly": 106.4,
"monthly_cash_flow_after_debt": 331.83,
"cash_on_cash_return_after_debt": 0.21
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears largely turnkey with recent interior cosmetic updates and appliances per listing, a usable fenced yard, and porch/entry features. Primary issues visible that could affect an initial HCV/NSPIRE inspection are unsecured exterior electrical wiring near the meter and eaves, cracked concrete entry steps (trip hazard), peeling trim/soffit paint, and the absence in photos of CO detector/GFCI confirmation and visible HVAC equipment. These are fixable within a short timeframe with focused trades (electrician, concrete/patch, minor carpentry/paint). Likely to pass an initial Housing Choice Voucher inspection after addressing the exterior wiring, repairing/tanking the porch steps, confirming/adding CO and GFCI protection, and providing documentation of the electrical updates.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show fresh carpet, painted walls, updated bathroom vanity and vinyl flooring per listing — overall cosmetic updates are recent and in good visible condition. Exterior shows peeling paint at trim/soffit, worn/discolored bricks around fireplace, and cracked concrete steps/porch edges that require repair. Missing or damaged small items (peeling paint, cracked step edges, fireplace brick touch-up) are mostly cosmetic/capital repairs and should be straightforward. Listing indicates kitchen appliances present (fridge, gas stove)."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "A hardwired or battery smoke detector is visible in the living area (positive). Porch has guardrail; interior has low decorative rails at a step transition. Exterior shows several utility/wire runs near the eaves and meter that are loosely routed/unsecured — potential electrical hazard that needs a contractor review. No carbon monoxide detector is visible in photos (required where gas appliances/attached garages exist). GFCI outlets, electrical panel condition, hot water and plumbing operation, and bedroom egress windows cannot be fully confirmed from photos; listing claims 'Section 8 electrical updates done' which reduces risk but documentation/inspection required. Overall moderate code risk due to exterior wiring and missing/not-visible CO/GFCI confirmations."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electric, Plumbing, Roof)",
"score": 65.0,
"rationale": "Floor vents are visible indicating a central HVAC/duct system likely present, but no HVAC equipment or condensers are shown to verify operational status. Electrical meter is present and listing claims electrical updates, but the service conductors at the eave look messy and will require inspection. Water heater/furnace and electrical panel are not pictured so functionality and age are unknown. Roofline appears intact from photos with no obvious sagging or active leaks visible, but soffit/trim paint is peeling. Given the unknowns, score reflects probable operability but medium inspection risk until systems are verified."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 70.0,
"rationale": "Corner lot with chain-link fence and usable yard; driveway access and covered side porch are present. Brick exterior and painted block foundation appear generally sound. Concerns: cracked concrete entry steps and surface cracks on porch, peeling trim/soffit paint, overgrown shrubs very close to the house (possible damage/entry points), and tree close to structure (root/limb risk). No visible standing water or major foundation movement in photos. Overall exterior is serviceable but needs minor repairs and cleanup."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Potential electrical hazard: unsecured/tangled exterior service wiring near meter and eaves visible in photos (needs electrician evaluation).",
"Cracked/uneven concrete entry steps and porch edges creating a trip hazard and likely require repair.",
"No visible carbon monoxide detector in photos (required where gas appliances are present) — add/verify placement.",
"GFCI protection and electrical panel condition not visible — must be confirmed; lack of verification is an inspection risk."
],
"confidence": 0.7,
"assumptions": [
"Kitchen appliances (fridge and gas stove) and washer/dryer hookups are present as stated in the listing; missing appliances are not suspected.",
"A central HVAC system exists (floor vents visible) and is operational unless the inspector identifies otherwise — no condenser/furnace photos to verify.",
"Water heater and plumbing are present and functioning though not pictured; no visible signs of active leaks inside or outside.",
"Electrical system received 'Section 8 electrical updates' per listing but final compliance and panel condition must be verified by inspection and documentation.",
"Bedrooms likely have code-compliant egress windows given age/type of home but exact measurements are not visible and should be confirmed onsite."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears mostly turnkey with recent interior updates (new carpet, vinyl, updated kitchen) and a secure fenced lot. Main issues that could affect an initial Section 8/NSPIRE inspection are electrical wiring that appears exposed/disorderly near the meter and eaves, cracked front steps (trip hazard) and a soot-stained fireplace/hearth that needs inspection/repair. A CO alarm must be present and GFCI locations verified; landlord should confirm the electrical panel upgrade and ensure no exposed wiring. With correction of the electrical wiring, porch step repair, CO alarm installation and chimney/fireplace servicing, the house is likely to pass an initial HCV inspection and be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 78.0,
"rationale": "Interior appears recently updated: new carpet and vinyl flooring visible, kitchen countertops updated and appliances indicated in listing (fridge and gas stove present). Cosmetic issues: peeling paint on porch trim, chipped brick hearth, cracked concrete steps at front entry and minor exterior finish wear. Missing minor items (paint touch-up, porch step repair, hearth repair) are relatively straightforward. Overall the unit appears largely renovated and turnkey inside."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 65.0,
"rationale": "A smoke detector is visible in the living area which is positive. Entry door appears to have a deadbolt. There are chained/loose electrical cables visible at the exterior eaves and near the meter and a dangling cord/wiring at the interior wall A/C opening — these constitute electrical hazards that require correction. Porch steps are cracked (trip hazard) though railings are present. No carbon monoxide alarm is visible (property uses gas stove per listing) — CO alarm will likely be required. Bedroom egress windows are not shown but typical window sizes suggest likely compliance but not verified. Fireplace shows heavy soot/staining and the hearth has damaged brick; flue/chimney should be inspected/cleaned before use. Lead-risk paint is a possibility (house built 1962) and some exterior peeling paint is visible—requires assessment/abatement if disturbed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Floor registers are visible indicating central HVAC ducting; listing and photos do not show an exterior condensing unit but a wall/window A/C is present. Listing claims 'Section 8 electrical updates done' which supports an updated electrical system, but the visible external wiring and meter area appear disorderly and should be professionally verified. Roof appears intact from lineup photos with no visible sag or active leak staining. No water heater, boiler or visible plumbing issues shown in photos; plumbing/hot water operation not verified. Fireplace condition suggests chimney/flue servicing may be needed before use."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Corner lot with chain-link fencing intact, cleared yard and driveway/parking at rear; this is positive for rental desirability and safety. Porch concrete is cracked and shows surface peeling requiring repair; steps are cracked but have railings. Shrubs/vegetation are overgrown near the structure and should be trimmed. Exterior walls (brick and vinyl) appear generally intact; some exterior trim paint is peeling and needs repainting. Foundation vents and painted block foundation look typical with no obvious large settlement visible."
},
{
"key": "rental_history_activity",
"label": "Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Exposed/disorderly electrical wiring at exterior eaves and near meter (electrical hazard)",
"Dangling/loose interior AC wiring at wall unit opening (electrical hazard)",
"Cracked and uneven front concrete steps (trip/unsafe stairs hazard)",
"Heavily soot-stained fireplace/chimney and damaged hearth (possible fire hazard — requires flue inspection/cleaning)",
"Peeling exterior paint on a pre-1978 house (potential lead-paint risk) — requires assessment before disturbance",
"No carbon monoxide alarm visible though gas appliance present (CO alarm likely required)"
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'Section 8 electrical updates done' is accurate and the main service/panel has been upgraded, but some exterior wiring/connections remain untidy and will need verification.",
"Central HVAC is present (floor registers visible); an outdoor condensing unit may exist off-camera or supplemental window/wall units will be used. Heating/cooling are assumed functional but not verified.",
"Hot water and plumbing are operational though not shown in photos.",
"Bedrooms have code-compliant egress windows (not visible in provided images) — assumed typical for a 3-bedroom layout.",
"Fridge and gas stove are present as stated in listing; gas hookup and ventilation are assumed to be serviceable but CO alarm is not visible and should be installed.",
"No signs of active roof leaks or major foundation movement visible in photos; assume no structural sagging.",
"Smoke detector visual presence indicates at least one functional detector, but full smoke/CO coverage per NSPIRE requirements needs verification."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely turnkey with recent interior updates (new carpet/vinyl, painted walls, updated bathroom and kitchen countertops) and a history of recent rentals. Primary issues to confirm and correct prior to or during an initial HCV/NSPIRE inspection: secure/clean up exterior electrical service wiring and any exposed cords, add/verify smoke detectors in each sleeping area and a carbon monoxide alarm, repair/replace cracked front porch steps and address peeling exterior paint (lead risk for a 1962-built home), and verify operation of HVAC, water heater, and the electrical panel. If those items are addressed quickly the home is likely to pass an initial Housing Choice Voucher inspection; current overall readiness is near the 'minor repairs' range and should be rent-ready within roughly 2–4 weeks with targeted fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently renovated: new carpet, vinyl flooring, painted walls, updated bathroom vanity; kitchen reported to have new countertops, fridge and gas stove. Visible defects are mostly cosmetic and easy-to-fix: fireplace brick surface damage/sooting, peeling trim paint on porch soffit, cracked concrete steps at front entry, minor porch surface cracking. Missing/loose items (exterior paint, step repair, minor trim) should be short-term repairs. Overall finish quality and listing description indicate turnkey condition with a few moderate cosmetic/capital items to address."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk (NSPIRE)",
"score": 60.0,
"rationale": "Mixed safety picture. A smoke detector is visible in the main living area, and the listing claims electrical updates for Section 8, which is positive. However there are several inspection-risk items visible or not validated: exterior service wiring and connections at the eaves/soffit appear untidy and could be flagged; a window AC with exposed cords on an interior wall suggests a temporary electrical setup; peeling/holding paint on exterior trim (property built 1962) raises potential lead-based paint risk and will trigger additional checks for chipping/peeling paint; front concrete steps are cracked and present a trip hazard; bedroom egress windows and carbon monoxide detectors are not visible in photos (CO alarms required where fuel-burning appliances/gas stove present). Because several required items (CO alarms, adequate smoke detectors in sleeping areas, proper secured wiring/GFCI presence) cannot be fully verified, there is moderate risk for initial inspection but nothing in images indicates immediate life‑threatening conditions."
},
{
"key": "systems_mechanical",
"label": "Mechanical & Major Systems",
"score": 70.0,
"rationale": "Major systems appear likely serviceable based on photos and listing: floor vents indicate central HVAC ducting (no condenser or furnace shown), kitchen has gas stove and hookups per listing, laundry hookups present. Listing explicitly states 'Section 8 electrical updates done' which suggests updated circuits/panel but the electrical panel itself is not pictured. Roof shows no visible sagging or active leaks in exterior photos. Water heater and furnace are not visible; plumbing fixtures are claimed updated. Because critical system components (furnace, water heater, electrical panel interior) are not shown, score reflects probable working systems but some verification required on-site (CO test, HVAC operation, hot water, panel labeling)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Fenced corner lot with clear yard, driveway/parking at rear, chain-link fencing and generally tidy lot. Trees are close to the structure (one large pine and one shrub at porch) that should be trimmed away from roof/soffit. Porch and front steps show concrete cracking and cosmetic paint deterioration on soffits/trim. Walkway and fenced perimeter appear serviceable. No visible standing water or major foundation cracking in photos. Overall a sound site with minor exterior maintenance and vegetation management needed."
},
{
"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": [
"Exposed / untidy exterior electrical service wiring at eaves and near meter (possible electrical hazard if unsecured).",
"Cracked front concrete steps and porch edge creating trip hazard and potential failed porch/step safety item.",
"Peeling/failed exterior paint on soffit and trim (property built 1962) — potential lead-based paint risk requiring remediation or stabilization.",
"No visible carbon monoxide alarm and limited visible smoke detectors (only one detector visible) — likely needs smoke detectors in each sleeping area and CO alarm where gas appliances present.",
"Window AC and loose/unsecured interior wiring/cords visible — may be cited if installation is not code-compliant.",
"Sooting/char marks on fireplace brick — evaluate chimney and flue for safety before use."
],
"confidence": 0.75,
"assumptions": [
"Listing text is accurate: kitchen appliances (fridge, gas stove) and laundry hookups are present as stated.",
"Bedrooms have at least one window each suitable for egress (not shown but typical for a 1962 single‑family layout).",
"Electrical updates referenced in the listing included replacing/bringing circuits to code, but the interior electrical panel labeling and condition could not be verified in photos.",
"HVAC is present and ducted (floor vents visible) and functional, but system operation and condenser/furnace condition were not confirmed in photos.",
"Hot water and plumbing are functional based on the updated bathroom and listing claims; no active leaks were visible from photos.",
"No active roof leaks or major structural movement are present beyond cosmetic deterioration; roof surface appeared intact in photos.",
"Interior photos represent the current condition of most major living areas (other rooms not pictured are assumed to be in similar renovated condition unless otherwise stated)."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3625 Grasselli Ave SW, Birmingham, AL, 35221",
"aggregate": {
"summary": "Overall the property appears largely turnkey with recent interior cosmetic updates and appliances per listing, a usable fenced yard, and porch/entry features. Primary issues visible that could affect an initial HCV/NSPIRE inspection are unsecured exterior electrical wiring near the meter and eaves, cracked concrete entry steps (trip hazard), peeling trim/soffit paint, and the absence in photos of CO detector/GFCI confirmation and visible HVAC equipment. These are fixable within a short timeframe with focused trades (electrician, concrete/patch, minor carpentry/paint). Likely to pass an initial Housing Choice Voucher inspection after addressing the exterior wiring, repairing/tanking the porch steps, confirming/adding CO and GFCI protection, and providing documentation of the electrical updates.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.0,
"rationale": "Interior photos show fresh carpet, painted walls, updated bathroom vanity and vinyl flooring per listing — overall cosmetic updates are recent and in good visible condition. Exterior shows peeling paint at trim/soffit, worn/discolored bricks around fireplace, and cracked concrete steps/porch edges that require repair. Missing or damaged small items (peeling paint, cracked step edges, fireplace brick touch-up) are mostly cosmetic/capital repairs and should be straightforward. Listing indicates kitchen appliances present (fridge, gas stove)."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 70.0,
"rationale": "Corner lot with chain-link fence and usable yard; driveway access and covered side porch are present. Brick exterior and painted block foundation appear generally sound. Concerns: cracked concrete entry steps and surface cracks on porch, peeling trim/soffit paint, overgrown shrubs very close to the house (possible damage/entry points), and tree close to structure (root/limb risk). No visible standing water or major foundation movement in photos. Overall exterior is serviceable but needs minor repairs and cleanup."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5y)",
"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 Risk (NSPIRE)",
"score": 65.0,
"rationale": "A hardwired or battery smoke detector is visible in the living area (positive). Porch has guardrail; interior has low decorative rails at a step transition. Exterior shows several utility/wire runs near the eaves and meter that are loosely routed/unsecured — potential electrical hazard that needs a contractor review. No carbon monoxide detector is visible in photos (required where gas appliances/attached garages exist). GFCI outlets, electrical panel condition, hot water and plumbing operation, and bedroom egress windows cannot be fully confirmed from photos; listing claims 'Section 8 electrical updates done' which reduces risk but documentation/inspection required. Overall moderate code risk due to exterior wiring and missing/not-visible CO/GFCI confirmations."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electric, Plumbing, Roof)",
"score": 68.3,
"rationale": "Floor vents are visible indicating a central HVAC/duct system likely present, but no HVAC equipment or condensers are shown to verify operational status. Electrical meter is present and listing claims electrical updates, but the service conductors at the eave look messy and will require inspection. Water heater/furnace and electrical panel are not pictured so functionality and age are unknown. Roofline appears intact from photos with no obvious sagging or active leaks visible, but soffit/trim paint is peeling. Given the unknowns, score reflects probable operability but medium inspection risk until systems are verified."
}
],
"red_flags": [
"Potential electrical hazard: unsecured/tangled exterior service wiring near meter and eaves visible in photos (needs electrician evaluation).",
"Cracked/uneven concrete entry steps and porch edges creating a trip hazard and likely require repair.",
"No visible carbon monoxide detector in photos (required where gas appliances are present) — add/verify placement.",
"GFCI protection and electrical panel condition not visible — must be confirmed; lack of verification is an inspection risk."
],
"confidence": 0.85,
"assumptions": [
"Kitchen appliances (fridge and gas stove) and washer/dryer hookups are present as stated in the listing; missing appliances are not suspected.",
"A central HVAC system exists (floor vents visible) and is operational unless the inspector identifies otherwise — no condenser/furnace photos to verify.",
"Water heater and plumbing are present and functioning though not pictured; no visible signs of active leaks inside or outside.",
"Electrical system received 'Section 8 electrical updates' per listing but final compliance and panel condition must be verified by inspection and documentation.",
"Bedrooms likely have code-compliant egress windows given age/type of home but exact measurements are not visible and should be confirmed onsite."
],
"score_method": "mean_of_criteria",
"overall_score": 70.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7356199012"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.