Property ID: 7365816774
617 8th Ave, Midfield, AL, 35228
Midfield, AL
Money Down: $23,976
CoC Return: 22.59%
Monthly Cash Flow: $451
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,980
Closing Costs
$3,996
Total Down
$23,976
Investment Snapshot
Purchase Price
$99,900
Money Down
$23,976
Cash-on-Cash Return
22.59%
Rent
$1,174
Monthly Cash Flow
$451
Annual Cash Flow
$5,417
Debt Service / Mo
$532
Property Tax / Mo
$37
Insurance / Mo
$36
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,174
Payment Standard
$1,804
Rent
$1,174
Insurance
$36
Property Tax
$37
Management
$117
Utilities Allowance
$630
NOI (Monthly)
$983
Debt Service
$532
Cash Flow After Debt
$451
Quality Score: 67.50%
Confidence: 95.00%
Based on exterior photos and the listing, this 4-bed, 2-bath single family appears to be in generally good cosmetic condition with a painted exterior, intact deck railings and replacement-looking windows. However, critical NSPIRE life-safety and systems items (smoke/CO detectors, GFCI outlets, electrical panel, HVAC and water‑heating equipment, and interior plumbing/egress) are not shown and must be verified. The roof appears aged and will likely need closer inspection and possibly replacement in the near term. Expect minor repairs and verification items to prepare the unit for a Section 8/HCV initial inspection; likely rent-ready within ~30 days if mechanicals and life-safety devices are present and functional, or longer if HVAC/roof/electrical repairs are required.
Section 8 Payment Standard
$1,804
Utility Allowance Total
$630
Guaranteed Section 8 Rent (PS - Utilities)
$1,174
Property Management
$117
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$99,900
Beds
4
Baths
2
Living Area
1,436 sqft
Lot Size
22,651 sqft
Year Built
1946
Days on Market
32
Capital Outlay
$23,976
Debt Service
$532
Property Tax / Mo
$37
Insurance / Mo
$36
Property Description
Move in condition.
Utility Allowances
Heating
$119
Property has central heat. The fuel type was not specified, but other major appliances are electric. The electric option from Alabama Power (the local provider) was selected.
Cooling
$28
Property details list 'Central Air'. Alabama Power is the major electric provider for Midfield, AL.
Cooking
$26
The property has an electric water heater and dryer hookup, indicating electric is the likely fuel for cooking. Alabama Power is the primary provider for Midfield, AL.
Water Heating
$71
Property details explicitly list 'Electric Water Heater'. Alabama Power is the major provider for Midfield, AL.
Other Electric
$87
This covers general electric use for lights and outlets. Alabama Power is the provider for the area.
Water
$88
Property lists 'Public Water'. Inferred Birmingham Water Works as the provider for Midfield, AL, as it's the largest regional provider available in the schedule.
Sewer
$177
Inferred public sewer connection based on 'Public Water' source and no mention of a septic system. The allowance is from the fixed rate on the schedule.
Trash Collection
$20
The property is in Midfield (Jefferson County). Chose the general 'Jefferson City' option as Midfield is not explicitly listed in the schedule.
Tenant-Owned Refrigerator
$8
A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned per the rules.
Tenant-Owned Microwave
$6
A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned per the rules.
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$319
DP3 Annual Estimate$552
DP1 Monthly Equivalent$27
DP3 Monthly Equivalent$46
Replacement Value$22,240
Basis1,436 sqft / 1946
Nearby Houses
Photo unavailable
600 9th Ave
sold · 0.05 mi
Price: $79,900
3 bd / 1 ba · 1,028 sqft
Latest sale: $79,900 on Aug 15, 2025
Latest rent: $750 on Aug 12, 2019
Photo unavailable
615 7th Ave
sold · 0.06 mi
Price: $35,000
2 bd / 1 ba
Latest sale: $35,000 on Feb 20, 2024
Latest rent: $599 on Feb 05, 2014
Photo unavailable
510 9th Ave
sold · 0.07 mi
Price: $99,500
3 bd / 2 ba · 1,540 sqft
Latest sale: $99,500 on Oct 29, 2021
Latest rent: $1,650 on Jul 19, 2023
Photo unavailable
601 9th Ave
sold · 0.07 mi
Price: $85,000
3 bd / 1 ba · 1,175 sqft
Latest sale: $85,000 on Jun 28, 2024
Latest rent: $1,200 on Nov 18, 2024
Photo unavailable
601 7th Ave
sold · 0.07 mi
Price: $36,000
3 bd / 2 ba · 1,366 sqft
Latest sale: $36,000 on Oct 01, 2021
Latest rent: $1,129 on Oct 20, 2022
Photo unavailable
506 9th Ave
sold · 0.08 mi
Price: $42,000
2 bd / 1 ba · 768 sqft
Latest sale: $42,000 on Feb 02, 2022
Latest rent: —
Photo unavailable
907 7th St
sold · 0.09 mi
Price: $56,500
2 bd / 1 ba · 1,044 sqft
Latest sale: $56,500 on Aug 05, 2025
Latest rent: $800 on Jul 07, 2020
Photo unavailable
600 10th Ave
sold · 0.10 mi
Price: $45,000
3 bd / 1 ba · 1,164 sqft
Latest sale: $45,000 on Mar 21, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos not provided; assume interior is livable but unverified. Interior cosmetic/functional issues could affect final inspection.
- Smoke and carbon monoxide detectors are not visible in exterior photos; assume they may be missing or unverified and will need to be confirmed/installed per NSPIRE.
- Electrical panel and GFCI protection are not shown; assume they are present but unverified—could require upgrades.
- An HVAC system and water heater exist but their condition and age are unknown since no condenser or equipment was pictured.
- Windows shown are assumed to meet egress requirements for bedrooms but this must be verified onsite.
- No evidence of active roof leaks was visible in exterior photos; however roof shows aging shingles and should be inspected from roof/interior for leaks.
- No visible major foundation movement or structural sagging — assumption based on straight roofline and level walls visible in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $433 | $27,800 | $5,040 |
| 2023 | $429 | $28,600 | $5,200 |
| 2022 | $1,107 | $73,900 | $13,420 |
| 2021 | $1,004 | $67,000 | $12,180 |
| 2020 | $1,004 | $67,000 | $12,180 |
| 2019 | $1,004 | $67,000 | $12,180 |
| 2018 | $892 | $59,600 | $10,820 |
| 2016 | $892 | $59,600 | $10,820 |
| 2015 | $892 | $59,600 | $10,820 |
| 2013 | $950 | $68,300 | $12,400 |
| 2012 | $950 | $68,280 | $13,656 |
| 2011 | $1,005 | $72,300 | $14,460 |
| 2010 | $1,180 | $72,300 | $14,460 |
| 2009 | $447 | $72,300 | $7,230 |
| 2008 | $456 | $73,700 | $7,370 |
| 2007 | $452 | $73,000 | $7,300 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2013-09-13 | Sold | $52,900 |
| 2013-07-19 | Sold | $39,000 |
Photo Gallery
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"home_photo": "https://ap.rdcpix.com/9d31e62b788ebff3b2debb8f9927bc05l-m2585502488s-w1280.jpg",
"rent_price": 1174.0,
"loan_amount": 79920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/617-8th-Ave_Midfield_AL_35228_M73658-16774",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 99900.0,
"loan_term_years": 30,
"annual_cash_flow": 11797.71,
"mortgage_monthly": 531.71,
"payment_standard": 1804.0,
"total_amount_out": 19980.0,
"additional_photos": [
"https://ap.rdcpix.com/9d31e62b788ebff3b2debb8f9927bc05l-m1934958477s-w1280.jpg",
"https://ap.rdcpix.com/9d31e62b788ebff3b2debb8f9927bc05l-m2450238545s-w1280.jpg",
"https://ap.rdcpix.com/9d31e62b788ebff3b2debb8f9927bc05l-m4129095219s-w1280.jpg",
"https://ap.rdcpix.com/9d31e62b788ebff3b2debb8f9927bc05l-m3564337347s-w1280.jpg",
"https://ap.rdcpix.com/9d31e62b788ebff3b2debb8f9927bc05l-m1957708335s-w1280.jpg",
"https://ap.rdcpix.com/9d31e62b788ebff3b2debb8f9927bc05l-m4257716624s-w1280.jpg",
"https://ap.rdcpix.com/9d31e62b788ebff3b2debb8f9927bc05l-m1223276097s-w1280.jpg",
"https://ap.rdcpix.com/9d31e62b788ebff3b2debb8f9927bc05l-m3373222169s-w1280.jpg",
"https://ap.rdcpix.com/9d31e62b788ebff3b2debb8f9927bc05l-m3478667203s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 36.29,
"monthly_cash_flow": 983.14,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heat. The fuel type was not specified, but other major appliances are electric. The electric option from Alabama Power (the local provider) was selected.",
"utility": "Heating",
"allowance": 119
},
{
"note": "Property details list 'Central Air'. Alabama Power is the major electric provider for Midfield, AL.",
"utility": "Cooling",
"allowance": 28
},
{
"note": "The property has an electric water heater and dryer hookup, indicating electric is the likely fuel for cooking. Alabama Power is the primary provider for Midfield, AL.",
"utility": "Cooking",
"allowance": 26
},
{
"note": "Property details explicitly list 'Electric Water Heater'. Alabama Power is the major provider for Midfield, AL.",
"utility": "Water Heating",
"allowance": 71
},
{
"note": "This covers general electric use for lights and outlets. Alabama Power is the provider for the area.",
"utility": "Other Electric",
"allowance": 87
},
{
"note": "Property lists 'Public Water'. Inferred Birmingham Water Works as the provider for Midfield, AL, as it's the largest regional provider available in the schedule.",
"utility": "Water",
"allowance": 88
},
{
"note": "Inferred public sewer connection based on 'Public Water' source and no mention of a septic system. The allowance is from the fixed rate on the schedule.",
"utility": "Sewer",
"allowance": 177
},
{
"note": "The property is in Midfield (Jefferson County). Chose the general 'Jefferson City' option as Midfield is not explicitly listed in the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned per the rules.",
"utility": "Tenant-Owned Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned per the rules.",
"utility": "Tenant-Owned Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.59,
"down_payment_amount": 19980.0,
"property_tax_annual": 445.99,
"property_tax_monthly": 37.17,
"property_tax_increase": 0.03,
"utility_allowance_total": 630.0,
"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": 5417.19,
"property_management_monthly": 117.4,
"monthly_cash_flow_after_debt": 451.43,
"cash_on_cash_return_after_debt": 0.27
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and the listing, this 4-bed, 2-bath single family appears to be in generally good cosmetic condition with a painted exterior, intact deck railings and replacement-looking windows. However, critical NSPIRE life-safety and systems items (smoke/CO detectors, GFCI outlets, electrical panel, HVAC and water‑heating equipment, and interior plumbing/egress) are not shown and must be verified. The roof appears aged and will likely need closer inspection and possibly replacement in the near term. Expect minor repairs and verification items to prepare the unit for a Section 8/HCV initial inspection; likely rent-ready within ~30 days if mechanicals and life-safety devices are present and functional, or longer if HVAC/roof/electrical repairs are required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a largely intact, recently painted exterior and deck; windows appear replaced or in good condition. Visible issues are cosmetic and low-cost: leaf/debris accumulation in yard, displaced artificial turf pieces, and an unfinished wooden garage door. No collapsed structures, major siding damage or broken windows visible. Missing interior photos prevent verification of kitchen/bath appliance condition; missing appliances would reduce score moderately but are not seen in exterior images."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No immediate life‑threatening hazards visible (no collapsed ceilings, standing water, exposed high‑voltage wires, or severe foundation movement). Deck has guardrail and the front steps have a handrail. However, critical NSPIRE items cannot be confirmed from photos: presence and placement of smoke/CO detectors, GFCI protection at kitchen/baths, electrical panel condition, and bedroom egress sizing. There are minor trip hazards (uneven stepping stones and exposed roots near driveway). Because required life/safety devices and some electrical/plumbing items are unknown, there is moderate compliance risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 55.0,
"rationale": "Major systems are not shown. Roof shingles appear aged and dark in color (some curling visible at edges) indicating remaining life may be limited and potential near‑term replacement necessary. No exterior HVAC condenser, electrical meter/panel, water heater, or plumbing fixtures are visible for verification. Given the house age (1946) and lack of visible modern mechanical equipment in photos, assume moderate risk for HVAC, electrical and plumbing needing service or replacement."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Site shows a mostly intact fence, concrete driveway/walk, and a peaked roofline with chimney. Yard needs cleanup (leaf litter, scattered debris) and has areas of uneven ground/roots that are trip hazards. There is no visible severe erosion, large foundation cracks, or standing water in the images. The rear yard slopes toward a tree line but no obvious active drainage failure is visible. Car parking appears adequate but some surface unevenness exists."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior photos not provided; assume interior is livable but unverified. Interior cosmetic/functional issues could affect final inspection.",
"Smoke and carbon monoxide detectors are not visible in exterior photos; assume they may be missing or unverified and will need to be confirmed/installed per NSPIRE.",
"Electrical panel and GFCI protection are not shown; assume they are present but unverified—could require upgrades.",
"An HVAC system and water heater exist but their condition and age are unknown since no condenser or equipment was pictured.",
"Windows shown are assumed to meet egress requirements for bedrooms but this must be verified onsite.",
"No evidence of active roof leaks was visible in exterior photos; however roof shows aging shingles and should be inspected from roof/interior for leaks.",
"No visible major foundation movement or structural sagging — assumption based on straight roofline and level walls visible in photos."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears serviceable and largely cosmetic in need — likely to pass a Section 8 (HCV/NSPIRE) initial inspection after a targeted pre-inspection checklist and minor repairs/installation. Primary concerns that could cause a fail on an initial inspection are missing/uncertain smoke and carbon monoxide detectors, lack of visible HVAC/heating equipment, and unconfirmed bedroom egress and interior plumbing/electrical condition. Exterior and site need yard cleanup, minor deck/railing touch-ups, and securing stepping stones to remove trip hazards. With ~1–4 weeks of targeted work (interior detector installation, HVAC verification/service, addressing any interior plumbing/electrical issues discovered) this property is likely rent-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a generally maintained building envelope with fresh-looking paint on siding and a recently painted deck surface. Cosmetic cleanup is needed (leaf/debris removal, yard clean-up, small areas of flaking paint on railing). Garage doors are closed and appear functional. No interior photos provided — listing states 'Move in condition' which supports a higher cosmetic score. Missing interior appliance condition unknown; missing appliances not assumed to be a catastrophic defect. Overall this looks like minor repair work and cleaning rather than deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No obvious electrical hazards, broken stairs, or exposed wiring visible in exterior photos. Entry doors appear secure and exterior handrails exist at the front steps and deck. However smoke detectors and carbon monoxide detectors are not visible in the photos (interior not shown) — their absence would be a fail. Bedroom egress windows cannot be confirmed. No evidence of active leaks, collapsed ceilings, or major foundation movement visible. Because critical safety items (SM/CO detectors, egress, GFCI presence) cannot be confirmed from photos, assign a moderate risk score."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical (roof, HVAC, plumbing, electrical)",
"score": 60.0,
"rationale": "Roof shingles show weathering and dark staining consistent with an older roof; no active leak or collapse is visible but shingles appear near mid-to-late service life and may need replacement in the medium term. No HVAC equipment (outdoor condensing unit) or water heater is visible in exterior photos — absence of a visible heat/cooling source is a notable unknown and increases inspection risk. Electrical panel and service are not visible. Plumbing and hot water function cannot be confirmed. Given the visual roof wear and missing view of major equipment, treat systems as fair but with inspection-related unknowns."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Lot and yard show leaf accumulation and scattered debris; a fence, driveway, and parking area are present and appear serviceable. Walkways include stepping stones over artificial turf; some stepping stones and turf edges could be trip hazards if not firmly set. Deck and railings are present and appear structurally intact from photos though paint is chipped in places. Slope behind the house and adjacent tree cover are visible but no evidence of erosion or standing water in the images. Overall the site needs routine clean-up and minor adjustment to paths."
}
],
"red_flags": [
"No visible heating/HVAC equipment in exterior photos (unable to verify presence or operation) — failure to supply heating could be a Section 8 fail in some jurisdictions.",
"Smoke and carbon monoxide detectors not visible in photos (interior not shown) — missing detectors are immediate inspection failures.",
"Roof shows significant shingle wear and dark staining consistent with aging; roof nearing end-of-life increases risk for future leaks.",
"Unsecured/uneven stepping-stone walkway and turf edges create trip hazards that should be corrected prior to inspection."
],
"confidence": 0.65,
"assumptions": [
"Listing 'Move in condition' is accurate and interior is generally maintained though no interior photos were provided.",
"No visible HVAC unit in exterior photos — assume heating/AC may be present but not pictured; until verified, treat as unknown.",
"Smoke and carbon monoxide detectors were not visible in the provided photos; assume they may be missing or unverified.",
"Windows pictured are intact; assume at least some bedrooms have code-compliant egress windows but this cannot be confirmed from exterior images alone.",
"Foundation and structural integrity show no visible large defects in photos; assume crawlspace/foundation accessible but not visibly failing.",
"Appliances (stove/refrigerator) and hot water heater presence/function are unknown and therefore not heavily penalized."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and the listing description, the property appears generally sound and largely rent-ready after minor exterior and site repairs (yard cleanup, paint touch-ups and small deck/railing repairs). Major inspection uncertainties remain because interior systems and safety items (smoke/CO detectors, GFCI outlets, HVAC operation, electrical panel, hot water) are not shown. The roof appears aged and should be evaluated. With verification/repair of interior safety items and confirmation of functioning HVAC/plumbing/electrical, the property is likely to pass an initial HCV/NSPIRE inspection after 1–4 weeks of preparation; current overall readiness is moderate-good (score 68).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Exterior photos show a largely intact, recently painted exterior and deck; siding and windows appear in fair condition. Observable deferred items are mostly cosmetic and low-cost: leaf/debris cleanup, yard maintenance, touch-up paint on trim, minor deck/railing paint and baluster repairs, and driveway/garage door cosmetic work. No interior photos provided so missing-appliance impact is not evident; missing kitchen/bath appliances were not penalized heavily. Overall appears move-in ready with minor repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life-threatening hazards visible from exterior: no collapsed ceilings, no standing water, no visible exposed wiring. Deck has a railing present but baluster spacing/rail height cannot be measured from photos (possible minor compliance fixes). Smoke/carbon monoxide detectors, GFCI outlets, fuel-venting and bedroom-egress windows cannot be confirmed from photos and must be verified — absence would cause immediate fail. Entry door appears solid; no exposed electrical panel visible. Given unknowns around detectors, egress and outlets, there is moderate inspection risk although no clear dangerous conditions are visible outside."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Roof shingles look aged/discolored and may be nearing replacement (no active leaks visible). No exterior HVAC condenser or mechanical equipment is visible in the provided photos (could be on the unseen side) — HVAC presence/operation and water heater/electrical panel condition are unverified. Foundation and crawlspace vents appear intact in photos with no obvious large cracks or settling. Because major systems (HVAC, water heater, electrical) cannot be confirmed from exterior photos and roof shows age, score reflects moderate risk."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 70.0,
"rationale": "Lot and yard show leaf debris and scattered litter but no evidence of active standing water. Fencing and yard privacy screens appear serviceable; driveway/walkway and front steps exist and are usable though leaf-covered. Trees are close to the structure (monitor for roots/branches). Deck surface looks in decent condition with a painted finish. Overall the site needs landscaping and debris cleanup but no major exterior structural failings are visible."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior condition (floors, cabinets, bathrooms, appliances) not shown; assumed reasonable but unverified given listing claim 'Move in condition'.",
"No interior photos of smoke or carbon monoxide detectors; assume these may be present but must be confirmed and installed/relocated per code if missing.",
"HVAC presence and operation are not visible in photos. Assumed there is a heating/cooling system but its operation is unconfirmed; inspection must verify functional heating and cooling.",
"Electrical panel, GFCI protection, and hot water heater are not shown and are assumed functional until proven otherwise; failure of any would increase risk and reduce score.",
"Roof is aged in appearance from photos but not actively leaking; assume roof is serviceable short-term but may require replacement within a few years.",
"No evidence of major foundation movement or structural sagging was visible from exterior photos; assumed structurally sound absent interior/understructure inspection.",
"Garage door and mechanical components were not tested; assumed cosmetic/usability only."
],
"overall_score": 68.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "617 8th Ave, Midfield, AL, 35228",
"aggregate": {
"summary": "Based on exterior photos and the listing, this 4-bed, 2-bath single family appears to be in generally good cosmetic condition with a painted exterior, intact deck railings and replacement-looking windows. However, critical NSPIRE life-safety and systems items (smoke/CO detectors, GFCI outlets, electrical panel, HVAC and water‑heating equipment, and interior plumbing/egress) are not shown and must be verified. The roof appears aged and will likely need closer inspection and possibly replacement in the near term. Expect minor repairs and verification items to prepare the unit for a Section 8/HCV initial inspection; likely rent-ready within ~30 days if mechanicals and life-safety devices are present and functional, or longer if HVAC/roof/electrical repairs are required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a largely intact, recently painted exterior and deck; windows appear replaced or in good condition. Visible issues are cosmetic and low-cost: leaf/debris accumulation in yard, displaced artificial turf pieces, and an unfinished wooden garage door. No collapsed structures, major siding damage or broken windows visible. Missing interior photos prevent verification of kitchen/bath appliance condition; missing appliances would reduce score moderately but are not seen in exterior images."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Site shows a mostly intact fence, concrete driveway/walk, and a peaked roofline with chimney. Yard needs cleanup (leaf litter, scattered debris) and has areas of uneven ground/roots that are trip hazards. There is no visible severe erosion, large foundation cracks, or standing water in the images. The rear yard slopes toward a tree line but no obvious active drainage failure is visible. Car parking appears adequate but some surface unevenness exists."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No immediate life‑threatening hazards visible (no collapsed ceilings, standing water, exposed high‑voltage wires, or severe foundation movement). Deck has guardrail and the front steps have a handrail. However, critical NSPIRE items cannot be confirmed from photos: presence and placement of smoke/CO detectors, GFCI protection at kitchen/baths, electrical panel condition, and bedroom egress sizing. There are minor trip hazards (uneven stepping stones and exposed roots near driveway). Because required life/safety devices and some electrical/plumbing items are unknown, there is moderate compliance risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 58.3,
"rationale": "Major systems are not shown. Roof shingles appear aged and dark in color (some curling visible at edges) indicating remaining life may be limited and potential near‑term replacement necessary. No exterior HVAC condenser, electrical meter/panel, water heater, or plumbing fixtures are visible for verification. Given the house age (1946) and lack of visible modern mechanical equipment in photos, assume moderate risk for HVAC, electrical and plumbing needing service or replacement."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Interior photos not provided; assume interior is livable but unverified. Interior cosmetic/functional issues could affect final inspection.",
"Smoke and carbon monoxide detectors are not visible in exterior photos; assume they may be missing or unverified and will need to be confirmed/installed per NSPIRE.",
"Electrical panel and GFCI protection are not shown; assume they are present but unverified—could require upgrades.",
"An HVAC system and water heater exist but their condition and age are unknown since no condenser or equipment was pictured.",
"Windows shown are assumed to meet egress requirements for bedrooms but this must be verified onsite.",
"No evidence of active roof leaks was visible in exterior photos; however roof shows aging shingles and should be inspected from roof/interior for leaks.",
"No visible major foundation movement or structural sagging — assumption based on straight roofline and level walls visible in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 67.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7365816774"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.