Property ID: 7365653189
104 Henley St, Birmingham, AL, 35228
Birmingham, AL
Money Down: $26,400
CoC Return: 11.35%
Monthly Cash Flow: $250
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
11.35%
Rent
$1,162
Monthly Cash Flow
$250
Annual Cash Flow
$2,995
Debt Service / Mo
$585
Property Tax / Mo
$138
Insurance / Mo
$73
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,162
Payment Standard
$1,804
Rent
$1,162
Insurance
$73
Property Tax
$138
Management
$116
Utilities Allowance
$642
NOI (Monthly)
$835
Debt Service
$585
Cash Flow After Debt
$250
Quality Score: 66.00%
Confidence: 95.00%
Overall this 4-bed, 2-bath single-family property appears mostly structurally sound and would likely pass an initial HCV/NSPIRE inspection after a short list of targeted repairs and verifications. The biggest items to address before inspection: repair/replace damaged porch step bricks and cracked walkway (trip hazard), ensure required smoke/CO detector coverage and operational testing, confirm/repair/label GFCI protection in kitchen and bathrooms, verify heating and hot water operation (and HVAC if required), and address minor cosmetic kitchen/wall repairs. None of the photos show catastrophic structural failure; most issues are repairable within a short timeline.
Section 8 Payment Standard
$1,804
Utility Allowance Total
$642
Guaranteed Section 8 Rent (PS - Utilities)
$1,162
Property Management
$116
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
4
Baths
2
Living Area
2,804 sqft
Lot Size
15,246 sqft
Year Built
1908
Days on Market
27
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$138
Insurance / Mo
$73
Property Description
Great investment property or for first time home buyers! This house features 4 bedrooms, 2 full bathroms & a bonus room that could be a 5th bedroom if needed. Large front porch leads to bright living room & dining room. Kitchen features eatiing area, breakfast bar, lots of cabinet space, electric stove & fridge. Off the kitchen is a large den with original pine paneling. Main level primary bedroom features a private en-suite with a tub/shower combo. There are 2 additional bedrooms on the main level & a full bathroom with a tub/shower combo. Upstairs features 2 large rooms that could both be used as bedrooms, home office or bonus rooms. Outback features covered parking area & patio area that over look a flat back yard. New roof & vinyl siding in 2023. Updated plumbing & tons of space in this home!
Utility Allowances
Heating
$119
Property has electric 'Window Unit (Heat)'. The 'Elec Heat: Ala Power' option was chosen as the most suitable electric provider.
Cooling
$28
Property has electric 'Window Units' for cooling. The 'A/C: Alabama Power' option was chosen as the most suitable electric provider.
Water Heating
$71
Property listing specifies an electric water heater. The 'Elec: Ala Power' option was selected as the appropriate electric provider.
Cooking
$26
Property listing specifies an electric stove, cooktop, and oven. The 'Elec: Ala Power' option was chosen.
Other Electric
$87
This covers general electric use for lights and other appliances. The 'Lights, Ref, Etc.: Ala Power' option was selected.
Water
$88
Property has public water, and the address is in Birmingham, matching the 'Water: Birmingham' schedule option.
Sewer
$177
Property listing states it is 'Connected' to public sewer. The schedule provides a single fixed rate for this utility.
Trash Collection
$40
The property's specific trash provider is unclear. As Fairfield is listed in the property's area description, the most expensive relevant option, 'Fairfield Inside City Limits (ISCL)', was chosen.
Refrigerator
$0
The property listing states a refrigerator is included, so the tenant allowance is zero.
Range/Microwave
$6
The property does not list a microwave, so it is assumed to be tenant-provided. The schedule provides a fixed allowance.
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$773
DP3 Annual Estimate$978
DP1 Monthly Equivalent$64
DP3 Monthly Equivalent$82
Replacement Value$100,600
Basis2,804 sqft / 1908
Nearby Houses
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— bd / — ba
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1035 Wilkes Rd
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Price: $65,800
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Latest sale: $65,800 on Aug 23, 2024
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1017 Parkridge Ave
sold · 0.12 mi
Price: $69,900
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1002 Woodward Rd
sold · 0.12 mi
Price: $28,001
3 bd / 3 ba · 1,388 sqft
Latest sale: $28,001 on Sep 07, 2018
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1013 Herring St
off_market · 0.14 mi
Price: $78,900
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Latest sale: $47,500
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1022 Herring St
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Price: $139,000
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Photo unavailable
1008 Parkridge Ave
sold · 0.15 mi
Price: $85,000
3 bd / 2 ba · 1,253 sqft
Latest sale: $85,000
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Photo unavailable
1016 Herring St
sold · 0.16 mi
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2 bd / 1 ba · 804 sqft
Latest sale: $14,950 on Jun 28, 2023
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Photo unavailable
1131 Oak St
sold · 0.18 mi
Price: $175,000
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Risk and Criteria Detail
Red Flags
- success
- Cracked front walkway and crumbling brick at porch steps — trip/fall hazard requiring repair.
- Porch step brick deterioration with missing mortar/units (potential edge collapse) — needs repair.
- Loose/exposed cable visible on porch — potential electrical hazard that should be secured/inspected.
- Unknown/insufficient smoke alarm and CO alarm coverage (only one detector visible) — must verify and install as required.
- No visible GFCI outlets in kitchen — could fail inspection if not present/operational.
Assumptions
- New roof and vinyl siding (2023) and 'updated plumbing' statements in listing are accurate and reflect recently completed work.
- Stove and refrigerator shown in photos are included and functional, but need cleaning/check.
- Heating is provided by the visible wall heaters; central HVAC unit is either absent or not photographed.
- No visible active roof leaks, major foundation movement, or collapsed ceilings are present beyond what is shown in photos.
- Electrical panel, water heater, and GFCI locations were not photographed; their condition is unknown and assumed to be serviceable unless inspection reveals otherwise.
- Carbon monoxide alarm requirement depends on presence of fuel-burning appliances; photos show electric stove and wall heaters, so CO detector may not be required but should be installed if any gas appliances or attached garages exist.
- Window sizes provide legal egress for bedrooms (based on large single/double-hung windows visible).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,605 | $116,000 | $21,080 |
| 2023 | $1,605 | $107,100 | $19,460 |
| 2022 | $1,209 | $80,700 | $14,660 |
| 2021 | $1,209 | $80,700 | $14,660 |
| 2020 | $808 | $54,000 | $9,800 |
| 2019 | $1,209 | $80,700 | $14,660 |
| 2018 | $1,037 | $69,200 | $12,580 |
| 2017 | $1,037 | $69,200 | $12,580 |
| 2016 | $1,037 | $69,200 | $12,580 |
| 2013 | $947 | $68,100 | $12,380 |
| 2012 | $947 | $68,100 | $13,620 |
| 2011 | $963 | $69,200 | $13,840 |
| 2010 | $963 | $69,200 | $13,840 |
| 2009 | $963 | $69,200 | $13,840 |
| 2008 | $452 | $73,100 | $7,310 |
| 2007 | $428 | $69,600 | $6,960 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-29 | Listed for rent | $1,250 |
| 2026-01-19 | Listed | $110,000 |
| 2023-12-21 | Sold | $80,700 |
| 2022-08-31 | Sold | $62,500 |
| 2022-07-10 | Price Changed | $79,500 |
| 2022-05-31 | Listed | $85,500 |
| 2020-01-31 | Listing removed | $0 |
| 2019-12-21 | Listed for rent | $825 |
| 2011-03-22 | Sold | $23,500 |
| 2011-01-13 | Sold | $10,000 |
| 2010-11-05 | Listed | $12,900 |
| 2008-06-27 | Sold | $77,000 |
| 2008-05-01 | Listed | $77,000 |
| 2008-04-25 | Sold | $23,500 |
| 2008-03-04 | Listed | $28,400 |
| 2006-11-29 | Sold | $73,500 |
| 2006-10-20 | Listed | $75,000 |
| 2002-06-03 | Sold | $55,000 |
| 1998-05-01 | Sold | $48,000 |
Photo Gallery
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"days_after_listed": "52 days",
"source_listing_id": "381533",
"price_change_percentage": "-17.25%"
},
{
"date": "2008-03-04",
"price": 28400,
"listing": {
"status": "sold",
"list_date": "2008-03-04T07:00:00Z",
"list_price": 28400,
"listing_id": "542561939",
"last_update_date": "2008-04-30T22:31:30Z",
"last_status_change_date": "2008-04-25T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "381533",
"price_change_percentage": "-61.36%"
},
{
"date": "2006-11-29",
"price": 73500,
"listing": {
"status": "sold",
"list_date": "2006-10-20T07:00:00Z",
"list_price": 75000,
"listing_id": "541675191",
"last_update_date": "2007-04-27T09:53:55Z",
"last_status_change_date": "2006-11-29T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -1500,
"days_after_listed": "40 days",
"source_listing_id": "317532",
"price_change_percentage": "-2.00%"
},
{
"date": "2006-10-20",
"price": 75000,
"listing": {
"status": "sold",
"list_date": "2006-10-20T07:00:00Z",
"list_price": 75000,
"listing_id": "541675191",
"last_update_date": "2007-04-27T09:53:55Z",
"last_status_change_date": "2006-11-29T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "317532",
"price_change_percentage": "+36.36%"
},
{
"date": "2002-06-03",
"price": 55000,
"listing": null,
"event_name": "Sold",
"price_sqft": 19.614835948644792,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1998-05-01",
"price": 48000,
"listing": null,
"event_name": "Sold",
"price_sqft": 17.118402282453637,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7365653189",
"generated_at": "2026-02-16T03:32:26.162626Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.0
},
"utility_allowance": {
"zip_code": "35228",
"home_photo": "https://ap.rdcpix.com/780bff9a068aab4b3527479057c7ed46l-m1906035999s-w1280.jpg",
"rent_price": 1162.0,
"loan_amount": 88000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/104-Henley-St_Birmingham_AL_35228_M73656-53189",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 110000.0,
"loan_term_years": 30,
"annual_cash_flow": 10020.95,
"mortgage_monthly": 585.47,
"payment_standard": 1804.0,
"total_amount_out": 22000.0,
"additional_photos": [
"https://ap.rdcpix.com/780bff9a068aab4b3527479057c7ed46l-m143979624s-w1280.jpg",
"https://ap.rdcpix.com/780bff9a068aab4b3527479057c7ed46l-m643580578s-w1280.jpg",
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"https://ap.rdcpix.com/780bff9a068aab4b3527479057c7ed46l-m1793787292s-w1280.jpg",
"https://ap.rdcpix.com/780bff9a068aab4b3527479057c7ed46l-m1443952215s-w1280.jpg",
"https://ap.rdcpix.com/780bff9a068aab4b3527479057c7ed46l-m1962157043s-w1280.jpg",
"https://ap.rdcpix.com/780bff9a068aab4b3527479057c7ed46l-m751812474s-w1280.jpg",
"https://ap.rdcpix.com/780bff9a068aab4b3527479057c7ed46l-m2746702309s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 72.96,
"monthly_cash_flow": 835.08,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has electric 'Window Unit (Heat)'. The 'Elec Heat: Ala Power' option was chosen as the most suitable electric provider.",
"utility": "Heating",
"allowance": 119
},
{
"note": "Property has electric 'Window Units' for cooling. The 'A/C: Alabama Power' option was chosen as the most suitable electric provider.",
"utility": "Cooling",
"allowance": 28
},
{
"note": "Property listing specifies an electric water heater. The 'Elec: Ala Power' option was selected as the appropriate electric provider.",
"utility": "Water Heating",
"allowance": 71
},
{
"note": "Property listing specifies an electric stove, cooktop, and oven. The 'Elec: Ala Power' option was chosen.",
"utility": "Cooking",
"allowance": 26
},
{
"note": "This covers general electric use for lights and other appliances. The 'Lights, Ref, Etc.: Ala Power' option was selected.",
"utility": "Other Electric",
"allowance": 87
},
{
"note": "Property has public water, and the address is in Birmingham, matching the 'Water: Birmingham' schedule option.",
"utility": "Water",
"allowance": 88
},
{
"note": "Property listing states it is 'Connected' to public sewer. The schedule provides a single fixed rate for this utility.",
"utility": "Sewer",
"allowance": 177
},
{
"note": "The property's specific trash provider is unclear. As Fairfield is listed in the property's area description, the most expensive relevant option, 'Fairfield Inside City Limits (ISCL)', was chosen.",
"utility": "Trash Collection",
"allowance": 40
},
{
"note": "The property listing states a refrigerator is included, so the tenant allowance is zero.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property does not list a microwave, so it is assumed to be tenant-provided. The schedule provides a fixed allowance.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.46,
"down_payment_amount": 22000.0,
"property_tax_annual": 1653.15,
"property_tax_monthly": 137.76,
"property_tax_increase": 0.03,
"utility_allowance_total": 642.0,
"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": 2995.36,
"property_management_monthly": 116.2,
"monthly_cash_flow_after_debt": 249.61,
"cash_on_cash_return_after_debt": 0.14
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 4-bed, 2-bath single-family property appears mostly structurally sound and would likely pass an initial HCV/NSPIRE inspection after a short list of targeted repairs and verifications. The biggest items to address before inspection: repair/replace damaged porch step bricks and cracked walkway (trip hazard), ensure required smoke/CO detector coverage and operational testing, confirm/repair/label GFCI protection in kitchen and bathrooms, verify heating and hot water operation (and HVAC if required), and address minor cosmetic kitchen/wall repairs. None of the photos show catastrophic structural failure; most issues are repairable within a short timeline.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition and Repairs",
"score": 70.0,
"rationale": "Property shows generally sound surfaces and functioning rooms but visible deferred maintenance and cosmetic wear. Interior: scuffed/dirty walls, damaged blinds, worn kitchen cabinets/counter, floors are mostly intact but need cleaning/spot repairs. Exterior: cracked concrete walkway and partial brick loss at porch steps. Appliances (stove and refrigerator) are present but kitchen finishes are worn. These are mostly cosmetic and small capital repairs; none indicate immediate structural failure."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "Visible positive points: at least one smoke detector present; bedrooms have large windows likely providing egress. New roof and siding reduce active water intrusion risk. Observed concerns: cracked front walk and crumbling porch step bricks (trip/fall hazard), missing handrail at steps, exposed low-voltage/electrical cable on porch, no visible GFCI outlets in kitchen, only one visible smoke alarm (unknown if required number/location present), CO alarm not visible (may not be required if no fuel-burning appliances but unknown). Electrical panel, water heater, and full detector coverage not shown. Risks are real but generally repairable before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems and Mechanical",
"score": 60.0,
"rationale": "Listing states new roof and updated plumbing (positive). No visible signs of roof leak or ceiling damage. Heating appears to be wall-mounted electric heaters (visible) — central HVAC unit not shown; condition/operation unknown. Water heater and electrical panel not visible. Kitchen appliances present (electric stove, fridge). Given the photos, systems likely functional but unverified and there is moderate risk due to missing evidence of operational central HVAC and unseen electrical/water heater condition."
},
{
"key": "exterior_site",
"label": "Exterior and Site Condition",
"score": 70.0,
"rationale": "Exterior shows recent vinyl siding and a reportedly new roof (2023) with tidy overall envelope. Yard is flat and usable. Issues: cracked front walkway, deteriorated porch step bricks, some overgrown shrubs, and minor masonry damage to porch caps. Foundation and siding show no visible major cracks or movement in photos. Drainage and crawlspace conditions unknown but no standing water observed."
}
],
"red_flags": [
"Cracked front walkway and crumbling brick at porch steps — trip/fall hazard requiring repair.",
"Porch step brick deterioration with missing mortar/units (potential edge collapse) — needs repair.",
"Loose/exposed cable visible on porch — potential electrical hazard that should be secured/inspected.",
"Unknown/insufficient smoke alarm and CO alarm coverage (only one detector visible) — must verify and install as required.",
"No visible GFCI outlets in kitchen — could fail inspection if not present/operational."
],
"confidence": 0.7,
"assumptions": [
"New roof and vinyl siding (2023) and 'updated plumbing' statements in listing are accurate and reflect recently completed work.",
"Stove and refrigerator shown in photos are included and functional, but need cleaning/check.",
"Heating is provided by the visible wall heaters; central HVAC unit is either absent or not photographed.",
"No visible active roof leaks, major foundation movement, or collapsed ceilings are present beyond what is shown in photos.",
"Electrical panel, water heater, and GFCI locations were not photographed; their condition is unknown and assumed to be serviceable unless inspection reveals otherwise.",
"Carbon monoxide alarm requirement depends on presence of fuel-burning appliances; photos show electric stove and wall heaters, so CO detector may not be required but should be installed if any gas appliances or attached garages exist.",
"Window sizes provide legal egress for bedrooms (based on large single/double-hung windows visible)."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 1908 single-family home appears largely structurally sound and mostly turnkey for a Housing Choice Voucher (Section 8) inspection after a short punch list. Strengths: recent roof and vinyl siding (2023 claimed), updated plumbing, present kitchen appliances, intact flooring and habitable rooms. Main inspection risks are moderate and repairable: front porch step/brick repairs and trip hazards, likely missing GFCI protection in kitchen, verification/installation of required smoke detectors in all sleeping areas, and confirmation that heating and hot water operate. Assuming utilities are functional and minor electrical/protective upgrades are completed, the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks. Estimated readiness: minor repairs and documentation needed (permits/warranty for new roof helpful).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 68.0,
"rationale": "Interior is largely intact with serviceable floors and painted walls but shows moderate deferred maintenance: scuffed/dirty walls, worn kitchen cabinets and counters, torn blinds, and cosmetic damage. Porch brick piers and front step have missing/broken brick and mortar that create trip hazards. Listing and photos show kitchen range and refrigerator present (so missing appliances are not an issue). Most items are cosmetic or small repairs that can be corrected with moderate labor and material (painting, cabinet touch-up/replacement of hardware, repair porch bricks/step)."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 60.0,
"rationale": "Some safety items visible and some unknowns. A smoke detector is visible in the main living area; bedroom detectors not pictured. Porch front steps have crumbling brick and no handrail — trip/fall hazard. Kitchen outlets/GFCI not visible and likely not GFCI-protected; that is a common NSPIRE fail in older homes. No exposed live wiring is apparent in photos. No obvious mold, active leaks, collapsed ceilings or major foundation movement visible. Because GFCI locations and bedroom smoke/CO detector locations are unknown, there is moderate inspection risk that will likely require minor fixes (install/relocate smoke alarms, add GFCI protection, repair porch steps) prior to approval."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical Condition",
"score": 65.0,
"rationale": "Listing states 'new roof & vinyl siding in 2023' and 'updated plumbing' — these reduce major system risk. Photos show electric wall heaters (no visible central HVAC) and no visible water heater or electrical panel, so key system condition is partially unknown. Kitchen range and refrigerator present and appear to be electric. No visible active water intrusion, sagging ceilings, or failed roof signs. Given new roof/siding claim and visible plumbing fixtures, major systems seem serviceable but require verification (operating heating, hot water, electrical panel condition, presence of functional smoke/CO power)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior appears recently sided and roof looks in good condition per listing and photos. Yard is flat and the rear has covered parking and patio as advertised. Issues: cracked concrete walkway and damaged front porch bricks/steps; some overgrown shrubs close to siding; no visible standing water in photos. Overall exterior is sound with a few repair items that are quick to correct."
}
],
"red_flags": [
"Crumbled/missing bricks on front porch steps and low wall creating trip hazard and potential structural concern for porch landing.",
"Cracked front walkway — trip hazard.",
"Probable missing GFCI protection in kitchen work area (not visible in photos) — NSPIRE fail risk.",
"Unknown location/coverage of smoke detectors in bedrooms (only living room detector visible) — possible code fail.",
"No visible central HVAC; reliance on wall heaters requires verification of heating adequacy and cooling may be absent."
],
"confidence": 0.65,
"assumptions": [
"Listing claim of new roof and vinyl siding (2023) is accurate and roof shows no active leaks in photos.",
"Kitchen range and refrigerator shown in photos are included and operable (electric appliances).",
"Wall-mounted electric heaters visible are functional and provide required heating; no central HVAC was observed.",
"Hot water heater and water supply are present and operational (plumbing was described as updated).",
"Electrical panel and service are intact and meet code but were not photographed; GFCI protection in kitchen is assumed missing until verified.",
"Smoke detector visible in living area is functional; additional smoke detectors in bedrooms may be missing or not visible.",
"No severe hidden mold, structural sagging, or active roof/foundation failure beyond what is visible in photos; if severe hidden issues exist, score would drop substantially."
],
"overall_score": 66.0,
"rubric_version": "ns-pv1.0"
},
{
"summary": "This 1908 single-family home shows a solid exterior shell (new roof and siding) and generally serviceable interior finishes. Most work needed is cosmetic and minor repairs (painting, cabinet/fixture touch-ups, blinds, flooring clean/repair). Key inspection risks are safety-related: broken front porch bricks/steps and no handrail (trip/fall hazard), cracked walkway, uncertain number/location of smoke/CO detectors, unknown presence of GFCI-protected kitchen outlets, and limited visibility of a central HVAC system (wall heaters visible). With focused fixes (repair porch steps and add handrail, fix walkway, verify/replace detectors, install GFCI where required, confirm heating/AC/electrical operation) the property should be rentable under Section 8; current estimated readiness is likely within 2–6 weeks depending on system verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Overall cosmetics are fair: interior walls need cleaning/paint and minor patching, blinds are damaged, kitchen cabinets and counters are worn, flooring is scuffed but appears serviceable. Appliances (electric range and refrigerator) are present but older. Exterior brick porch has some broken bricks at the step and the concrete walkway is cracked (trip hazard). None of the visible items indicate major structural collapse — work is mostly cosmetic/finish and some small carpentry/masonry repairs. Missing or worn appliances reduce score moderately but do not dominate."
},
{
"key": "safety_code",
"label": "Safety / Code / NSPIRE Risk",
"score": 60.0,
"rationale": "Mixed results: a ceiling smoke detector is visible inside (one seen), but carbon monoxide detector(s) are not visible in photos. Porch steps have broken brick and lack a guard/handrail (unsafe condition / trip/fall risk). Walkway is cracked. No obvious exposed live wiring inside; an exterior cable is loosely draped at the porch. GFCI outlets at kitchen counters are not visible in photos and may be missing. Bedroom egress for upstairs bedrooms cannot be confirmed from photos. Plumbing appears updated per listing, and there are no visible signs of active leaks or mold. Because a few safety-critical items are unknown or marginal (egress, GFCI, CO detectors, porch stairs/handrail), there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 55.0,
"rationale": "Positive: listing states new roof and new vinyl siding in 2023 and 'updated plumbing' which suggests the shell and plumbing are in good condition. Negative / unknown: no central HVAC equipment is visible in listing photos — wall heaters are visible in living/dining which indicates heating exists but system type/condition and cooling capability are unknown. Water heater and electrical panel are not shown. Appliances (electric stove and fridge) are present. Electrical and heating system operation are unverified from photos; that uncertainty reduces the score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior envelope appears recently renewed (vinyl siding) and the listing confirms a new roof (2023). Yard is flat and usable. However the front concrete walkway is cracked and front porch steps have missing/deteriorated bricks that create a trip/step hazard; porch lacks a safety handrail. Landscaping is somewhat overgrown but not obstructive. Overall the envelope looks sound but a few site safety repairs are required."
}
],
"red_flags": [
"Front porch steps have broken/missing bricks creating an immediate trip/fall hazard and there is no handrail on the porch steps (unsafe stairs / broken handrail).",
"Concrete walkway to front entry is cracked and uneven — trip hazard.",
"Potential electrical hazard: loose/exposed exterior cable at the porch visible in photos (needs secure routing/inspection)."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that roof and vinyl siding were new in 2023 is accurate and installation is sound (no active leaks observed).",
"Updated plumbing noted in the listing is functional; no visible signs of active leaks or water damage in photos.",
"Heating exists as visible wall-mounted heaters in living/dining; assumption is they are operational or repairable. No central HVAC unit was visible in photos; cooling capacity is unknown.",
"Smoke detector shown in living area is functioning; additional detectors/CO alarms may be required in other areas but their presence could not be confirmed from photos.",
"Electrical panel, water heater and other concealed systems were not photographed — their condition is unknown and assumed serviceable unless inspection reveals problems.",
"Bedroom egress for upstairs rooms cannot be confirmed from available photos; assume typical sash/dormer windows provide egress but this needs on-site verification."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "104 Henley St, Birmingham, AL, 35228",
"aggregate": {
"summary": "Overall this 4-bed, 2-bath single-family property appears mostly structurally sound and would likely pass an initial HCV/NSPIRE inspection after a short list of targeted repairs and verifications. The biggest items to address before inspection: repair/replace damaged porch step bricks and cracked walkway (trip hazard), ensure required smoke/CO detector coverage and operational testing, confirm/repair/label GFCI protection in kitchen and bathrooms, verify heating and hot water operation (and HVAC if required), and address minor cosmetic kitchen/wall repairs. None of the photos show catastrophic structural failure; most issues are repairable within a short timeline.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition and Repairs",
"score": 71.0,
"rationale": "Property shows generally sound surfaces and functioning rooms but visible deferred maintenance and cosmetic wear. Interior: scuffed/dirty walls, damaged blinds, worn kitchen cabinets/counter, floors are mostly intact but need cleaning/spot repairs. Exterior: cracked concrete walkway and partial brick loss at porch steps. Appliances (stove and refrigerator) are present but kitchen finishes are worn. These are mostly cosmetic and small capital repairs; none indicate immediate structural failure."
},
{
"key": "exterior_site",
"label": "Exterior and Site Condition",
"score": 71.7,
"rationale": "Exterior shows recent vinyl siding and a reportedly new roof (2023) with tidy overall envelope. Yard is flat and usable. Issues: cracked front walkway, deteriorated porch step bricks, some overgrown shrubs, and minor masonry damage to porch caps. Foundation and siding show no visible major cracks or movement in photos. Drainage and crawlspace conditions unknown but no standing water observed."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 61.7,
"rationale": "Visible positive points: at least one smoke detector present; bedrooms have large windows likely providing egress. New roof and siding reduce active water intrusion risk. Observed concerns: cracked front walk and crumbling porch step bricks (trip/fall hazard), missing handrail at steps, exposed low-voltage/electrical cable on porch, no visible GFCI outlets in kitchen, only one visible smoke alarm (unknown if required number/location present), CO alarm not visible (may not be required if no fuel-burning appliances but unknown). Electrical panel, water heater, and full detector coverage not shown. Risks are real but generally repairable before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems and Mechanical",
"score": 60.0,
"rationale": "Listing states new roof and updated plumbing (positive). No visible signs of roof leak or ceiling damage. Heating appears to be wall-mounted electric heaters (visible) — central HVAC unit not shown; condition/operation unknown. Water heater and electrical panel not visible. Kitchen appliances present (electric stove, fridge). Given the photos, systems likely functional but unverified and there is moderate risk due to missing evidence of operational central HVAC and unseen electrical/water heater condition."
}
],
"red_flags": [
"Cracked front walkway and crumbling brick at porch steps — trip/fall hazard requiring repair.",
"Porch step brick deterioration with missing mortar/units (potential edge collapse) — needs repair.",
"Loose/exposed cable visible on porch — potential electrical hazard that should be secured/inspected.",
"Unknown/insufficient smoke alarm and CO alarm coverage (only one detector visible) — must verify and install as required.",
"No visible GFCI outlets in kitchen — could fail inspection if not present/operational."
],
"confidence": 0.95,
"assumptions": [
"New roof and vinyl siding (2023) and 'updated plumbing' statements in listing are accurate and reflect recently completed work.",
"Stove and refrigerator shown in photos are included and functional, but need cleaning/check.",
"Heating is provided by the visible wall heaters; central HVAC unit is either absent or not photographed.",
"No visible active roof leaks, major foundation movement, or collapsed ceilings are present beyond what is shown in photos.",
"Electrical panel, water heater, and GFCI locations were not photographed; their condition is unknown and assumed to be serviceable unless inspection reveals otherwise.",
"Carbon monoxide alarm requirement depends on presence of fuel-burning appliances; photos show electric stove and wall heaters, so CO detector may not be required but should be installed if any gas appliances or attached garages exist.",
"Window sizes provide legal egress for bedrooms (based on large single/double-hung windows visible)."
],
"score_method": "mean_of_criteria",
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7365653189"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.