Property ID: 7369938772
1240 Rayfield Dr, Midfield, AL, 35228
Midfield, AL
Money Down: $21,576
CoC Return: 25.18%
Monthly Cash Flow: $453
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,980
Closing Costs
$3,596
Total Down
$21,576
Investment Snapshot
Purchase Price
$89,900
Money Down
$21,576
Cash-on-Cash Return
25.18%
Rent
$1,151
Monthly Cash Flow
$453
Annual Cash Flow
$5,433
Debt Service / Mo
$478
Property Tax / Mo
$33
Insurance / Mo
$72
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,151
Payment Standard
$1,584
Rent
$1,151
Insurance
$72
Property Tax
$33
Management
$115
Utilities Allowance
$433
NOI (Monthly)
$931
Debt Service
$478
Cash Flow After Debt
$453
Quality Score: 66.50%
Confidence: 95.00%
This brick bungalow appears broadly habitable and close to Section 8/NSPIRE readiness with mostly cosmetic and verifiable small-scope repairs. The primary action items before inspection will be: verify and install smoke/CO detectors, confirm bedroom egress (security bars must be releasable), confirm HVAC, water heater and electrical panel functionality and GFCI protection, and address the patched ceiling/roof condition and the deteriorated range hood trim. With targeted repairs and documentation (service records/receipts), the property is likely to pass an initial HCV inspection within 2–6 weeks.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$433
Guaranteed Section 8 Rent (PS - Utilities)
$1,151
Property Management
$115
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$89,900
Beds
3
Baths
1
Living Area
1,192 sqft
Lot Size
9,148 sqft
Year Built
1955
Days on Market
92
Capital Outlay
$21,576
Debt Service
$478
Property Tax / Mo
$33
Insurance / Mo
$72
Property Description
Midfield schools !!! Cute brick bungalow for a 1st time home buyer or for and investor wanting a good investment property. 3 bedrooms and 1 bath. One of the bedrooms can accommodate a King size bed. Move in ready. Nice fenced in back yard.
Utility Allowances
Heating
$38
Property details indicate 'Forced Air' heating and a 'Gas' water heater, making natural gas the most likely heating fuel. Spire is the primary natural gas provider in the region.
Cooking
$15
Property details explicitly state 'Stove-Gas'. Spire is the primary natural gas provider in the region.
Water Heating
$35
Property details explicitly state 'Water Heaters: Gas'. Spire is the primary natural gas provider in the region.
Cooling
$22
Property details specify 'Central (COOL)', which is electric. Alabama Power is the main electric utility in Jefferson County.
Other Electric
$68
This covers general electricity for lights, outlets, and the specified 'Dryer-Electric' hookup. Alabama Power is the main electric utility for the area.
Refrigerator
$0
The property listing confirms a refrigerator is provided, so there is no allowance for a tenant-owned appliance.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so an allowance for a tenant-owned microwave is included as per the rules.
Water
$78
Property has 'Public Water'. The Birmingham Water Works Board serves the Midfield area, making 'Water: Birmingham' the appropriate selection.
Sewer
$151
Property details state the sewer is 'Connected'. The allowance is a fixed value from the schedule based on the bedroom count.
Trash Collection
$20
The property is in Midfield. As this specific city is not an option, 'Jefferson City' was selected as a reasonable default for a location within Jefferson County.
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$713
DP3 Annual Estimate$1,018
DP1 Monthly Equivalent$59
DP3 Monthly Equivalent$85
Replacement Value$87,400
Basis1,192 sqft / 1955
Nearby Houses
Photo unavailable
501 Midway St
sold · 0.04 mi
Price: $66,000
3 bd / 2 ba · 1,324 sqft
Latest sale: $66,000
Latest rent: —
Photo unavailable
1229 Rayfield Dr
sold · 0.05 mi
Price: $70,600
2 bd / 1 ba · 1,059 sqft
Latest sale: $70,600
Latest rent: —
Photo unavailable
1224 Daniel Dr
sold · 0.07 mi
Price: $95,000
2 bd / 1 ba · 904 sqft
Latest sale: $95,000
Latest rent: —
Photo unavailable
1305 Rayfield Dr
sold · 0.07 mi
Price: $25,900
2 bd / 1 ba · 720 sqft
Latest sale: $25,900 on Apr 10, 2019
Latest rent: $600 on Apr 13, 2018
Photo unavailable
1325 Creel St
sold · 0.08 mi
Price: $65,700
3 bd / 2 ba · 1,187 sqft
Latest sale: $65,700
Latest rent: —
Photo unavailable
916 Gale Cir
sold · 0.08 mi
Price: $174,900
4 bd / 2 ba · 2,067 sqft
Latest sale: $174,900 on Nov 19, 2025
Latest rent: —
Photo unavailable
912 Gale Cir
sold · 0.09 mi
Price: $168,000
3 bd / 2 ba · 1,961 sqft
Latest sale: $168,000 on Jul 24, 2024
Latest rent: —
Photo unavailable
517 Midway St
sold · 0.09 mi
Price: $75,000
4 bd / 2 ba · 1,480 sqft
Latest sale: $75,000
Latest rent: —
Photo unavailable
1221 Daniel Dr
sold · 0.10 mi
Price: $22,500
2 bd / 1 ba · 874 sqft
Latest sale: $22,500
Latest rent: —
Photo unavailable
904 Gale Cir
sold · 0.11 mi
Price: $5,000
3 bd / 2 ba · 783 sqft
Latest sale: $5,000 on Jan 12, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Window security bars visible on ground-floor windows — potential egress hazard if not releasable from interior (NSPIRE fail if not compliant).
- Ceiling patch in living area indicating prior roof/water intrusion — needs verification for active leak and repair quality.
- No smoke detectors or CO alarms visible in photos (required for certification).
- Roof shows aging/shingle wear and staining — roof replacement may be needed in near term.
Assumptions
- Listing photos are representative of the whole unit and no major unseen structural damage exists.
- Central HVAC and a gas/electric water heater are present but not photographed; vents and roof flue suggest mechanical systems exist.
- Smoke and carbon monoxide detectors are either missing or non-visible in photos and will need verification/installation.
- Exterior window security bars are fixed/security-style; their egress-release hardware is unknown and may not meet NSPIRE egress requirements.
- No evidence of active mold, active roof leaks, or foundation movement is visible in photos; the visible ceiling patch indicates a prior leak that appears repaired but requires verification.
- Fenced backyard exists per listing text, though full condition of the fence is not shown.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2013 | $379 | $62,300 | $6,240 |
| 2012 | $378 | $62,260 | $6,226 |
| 2011 | $915 | $65,700 | $13,140 |
| 2010 | $402 | $65,700 | $6,570 |
| 2009 | $402 | $65,700 | $6,570 |
| 2008 | $411 | $67,100 | $6,710 |
| 2007 | $405 | $66,200 | $6,620 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-05 | Price Changed | $89,900 |
| 2025-11-16 | Listed | $94,900 |
| 2011-01-31 | Sold | $12,500 |
| 2010-12-14 | Listed | $12,500 |
| 2002-02-25 | Sold | $61,000 |
| 2002-01-17 | Listing removed | $66,500 |
| 2001-07-11 | Listed | $66,500 |
Photo Gallery
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"parent_category": "Interior"
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"Heating: Yes",
"Number of Fireplaces: 0",
"Water Heaters: Gas (WTRHTR)"
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"category": "Heating and Cooling",
"parent_category": "Interior"
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"parent_category": "Interior"
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{
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"category": "Exterior and Lot Features",
"parent_category": "Exterior"
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{
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"Lot Size Square Feet: 9148"
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"category": "Land Info",
"parent_category": "Exterior"
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{
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"category": "Garage and Parking",
"parent_category": "Exterior"
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{
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"High School: MIDFIELD",
"Middle School: RUTLEDGE"
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"category": "School Information",
"parent_category": "Community"
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{
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"Source Listing Status: Active",
"County: Jefferson",
"Directions: I 59 towards Tuscaloosa, exit on Valley Rd (Fairfield exit), keep right. Turn left on AARON ARONOV DRIVE past WESTERN HILLS MALL, CROSS BESSEMER SUPER HIGHWAY, 1ST LEFT ON WOODWARD ABOUT 1 MILE, RIGHT ON DANIEL DRIVE, right on Rayfield Dr. House on the right.",
"Source Property Type: RESIDENTIAL",
"Area: Ensley, Fairfield, Midfield, West End",
"Source Neighborhood: MIDFIELD PARK",
"Parcel Number: 30-00-24-1-001-003.000",
"Subdivision: MIDFIELD PARK",
"Property Subtype: Single Family"
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"parent_category": "Listing"
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"text": [
"Total Square Feet Living: 1192",
"Year Built: 1955",
"Attic: Pull-Down",
"Construction Materials: 4 Sides Brick",
"Foundation Details: Slab",
"Levels: 1-Story",
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{
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"event_name": "Listed",
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"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 89900.0,
"loan_term_years": 30,
"annual_cash_flow": 11174.93,
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],
"effective_date": "2026-01-01"
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{
"note": "Property details indicate 'Forced Air' heating and a 'Gas' water heater, making natural gas the most likely heating fuel. Spire is the primary natural gas provider in the region.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property details explicitly state 'Stove-Gas'. Spire is the primary natural gas provider in the region.",
"utility": "Cooking",
"allowance": 15
},
{
"note": "Property details explicitly state 'Water Heaters: Gas'. Spire is the primary natural gas provider in the region.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "Property details specify 'Central (COOL)', which is electric. Alabama Power is the main electric utility in Jefferson County.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "This covers general electricity for lights, outlets, and the specified 'Dryer-Electric' hookup. Alabama Power is the main electric utility for the area.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "The property listing confirms a refrigerator is provided, so there is no allowance for a tenant-owned appliance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A microwave is not listed as a provided appliance, so an allowance for a tenant-owned microwave is included as per the rules.",
"utility": "Range/Microwave",
"allowance": 6
},
{
"note": "Property has 'Public Water'. The Birmingham Water Works Board serves the Midfield area, making 'Water: Birmingham' the appropriate selection.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details state the sewer is 'Connected'. The allowance is a fixed value from the schedule based on the bedroom count.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is in Midfield. As this specific city is not an option, 'Jefferson City' was selected as a reasonable default for a location within Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.62,
"down_payment_amount": 17980.0,
"property_tax_annual": 390.37,
"property_tax_monthly": 32.53,
"property_tax_increase": 0.03,
"utility_allowance_total": 433.0,
"property_management_rate": 0.1,
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"effective_date": "2026-01-01"
},
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"runs": [
{
"summary": "This brick bungalow appears broadly habitable and close to Section 8/NSPIRE readiness with mostly cosmetic and verifiable small-scope repairs. The primary action items before inspection will be: verify and install smoke/CO detectors, confirm bedroom egress (security bars must be releasable), confirm HVAC, water heater and electrical panel functionality and GFCI protection, and address the patched ceiling/roof condition and the deteriorated range hood trim. With targeted repairs and documentation (service records/receipts), the property is likely to pass an initial HCV inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior appears generally clean and occupied, with carpets, painted walls and functioning kitchen appliances (stove, refrigerator). Visible cosmetic issues: worn/dirty tile grout in kitchen and bath, damaged/partially missing range hood trim, a ceiling patch in the living area, and general wear on cabinet bases and trim. These are mostly cosmetic or small capital repairs that are straightforward (cleaning, re-caulking, cabinet/hood trim repair, carpet cleaning or replacement in spots). No widespread interior collapse or severe deterioration visible."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 60.0,
"rationale": "Potential inspection risks observed: no smoke or carbon monoxide detectors visible in photos (required), bedroom windows have exterior security bars which may impede emergency egress unless they are releasable from the inside, and there is a visible ceiling patch that suggests prior water intrusion. Door hardware presence is unclear (deadbolt not verified). No exposed wiring or missing outlet covers were observed in photos. GFCI presence in kitchen/bath not visible. Overall safety issues are fixable but require verification and likely 2–7 small repairs (install/verify detectors, confirm egress/bar release, add/replace GFCI outlets)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Major systems not directly shown: no HVAC equipment, water heater, or electrical panel are visible in the photos. There is a roof vent/flue and ceiling vents which suggests central mechanical systems may exist, but functionality is unverified. Roof shingles show aging and weather staining; not actively collapsing but likely mid-to-late life and could need replacement within a few years. Kitchen appliances (range, refrigerator) are present and appear to operate. Because core systems are not documented in photos, risk is moderate — likely operational but require verification (HVAC service, water heater, electrical panel/GFCI tests)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick exterior appears intact with no visible foundation cracking or sagging. Yard is maintained but has large pine trees close to the structure (possible future root/leaf/drainage issues). Small front stoop/landing present without a handrail (single step) — not a major code issue but should be checked for trip hazard. Listing and photos state a fenced backyard; fence not clearly shown but likely present. Overall exterior shows normal wear but no structural distress visible."
}
],
"red_flags": [
"Window security bars visible on ground-floor windows — potential egress hazard if not releasable from interior (NSPIRE fail if not compliant).",
"Ceiling patch in living area indicating prior roof/water intrusion — needs verification for active leak and repair quality.",
"No smoke detectors or CO alarms visible in photos (required for certification).",
"Roof shows aging/shingle wear and staining — roof replacement may be needed in near term."
],
"confidence": 0.65,
"assumptions": [
"Listing photos are representative of the whole unit and no major unseen structural damage exists.",
"Central HVAC and a gas/electric water heater are present but not photographed; vents and roof flue suggest mechanical systems exist.",
"Smoke and carbon monoxide detectors are either missing or non-visible in photos and will need verification/installation.",
"Exterior window security bars are fixed/security-style; their egress-release hardware is unknown and may not meet NSPIRE egress requirements.",
"No evidence of active mold, active roof leaks, or foundation movement is visible in photos; the visible ceiling patch indicates a prior leak that appears repaired but requires verification.",
"Fenced backyard exists per listing text, though full condition of the fence is not shown."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the house appears mostly move-in ready with clean interiors, functioning kitchen and bathroom and intact brick exterior. Major systems are not fully visible in photos, and the largest inspection risks are the security bars on front windows (possible egress blockage), lack of visible smoke/CO detectors and unknown condition of HVAC/electrical/water-heating equipment. With quick fixes — verify/replace detectors, confirm HVAC/water heater operation, add quick-release on any egress-blocking window bars or remove them, and repair the small ceiling patch and range-hood trim — this property is likely to pass a Section 8 (HCV/NSPIRE) initial inspection within 1–4 weeks. Allow ~30 days to confirm systems and correct safety items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears clean and lived-in; carpets, painted walls and fixtures are serviceable. Kitchen and full bathroom are present; a range and refrigerator are pictured. Visible cosmetic issues: patch/blemish in living room ceiling, worn/dirty tile grout, missing/rough trim on range hood, cabinet scuffing and carpet wear. These are mostly cosmetic or minor repairs and would be easy/quick to correct before tenancy."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Potential inspection risks visible: security bars on front windows (could block emergency egress unless quick-release hardware is installed), no smoke or carbon monoxide detectors visible in photos, and no GFCI outlets are evident in kitchen/bath images. Entry door appears solid but deadbolt presence cannot be confirmed from photos. Ceiling patch could indicate prior water intrusion that requires verification. No obvious exposed wiring or collapsed elements were observed, but lack of visible detectors and the window-bar egress concern create a moderate NSPIRE risk that will likely need correction prior to final pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Kitchen appliances (range and refrigerator) are present and look functional; plumbing fixtures (sink, toilet, shower) are present. A ceiling HVAC supply/return vent is visible indicating central HVAC, but no outdoor condenser or heating equipment or water heater is shown to confirm operability. Roof shingles show age and wear but no visible active sagging or obvious leaks in exterior photos. Electrical panel, water heater and HVAC equipment condition are unknown from photos — these system unknowns lower the score to a moderate rating until verified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior appears intact and foundation looks level in photos; yard is fenced in per listing and appears useable. Two large pine trees are very close to the house which may create long-term roof/shingle and root risks and will require monitoring. Front stoop/deck is small and low; no handrail issues evident. No apparent standing water or severe exterior deterioration visible in provided images."
}
],
"red_flags": [
"Window security bars on front windows that may block required emergency egress (must be quick-release or removed).",
"No visible smoke detectors or carbon monoxide detector in photos (likely required and an automatic inspection failure if missing).",
"Ceiling patch/blemish in living area suggests prior water intrusion — needs verification to ensure no active leak or structural damage.",
"Large trees immediately adjacent to the structure (roof/shingle and possible root/foundation risk to monitor).",
"Major systems (electrical panel, water heater, outdoor HVAC unit) not shown — inability to confirm operability is a conditional risk until inspected."
],
"confidence": 0.65,
"assumptions": [
"Interior photos represent current condition throughout the unit (no additional hidden major damage).",
"Kitchen range and refrigerator pictured are included and operable (no verification of gas connection or appliance operation was possible from photos).",
"Central HVAC is present and connected (ceiling vent visible) but its operational status and age are unknown; assume functional until verified.",
"Water heater and electrical service exist and are accessible but their condition was not visible in photos.",
"Window security bars do not show quick-release hardware in photos; assume they are fixed unless seller confirms quick-release or compliance with egress code.",
"No active roof leaks are occurring now; the ceiling patch indicates a prior event that has been repaired or sealed but needs verification."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this brick bungalow appears largely move-in ready with mostly cosmetic and age-related issues. Likely to pass an initial NSPIRE/HCV inspection after addressing a few predictable items: verify & install working smoke/CO detectors, confirm kitchen/bath GFCI protection, ensure window security bars do not block emergency egress (or retrofit quick-release), and repair/confirm the patched ceiling area and roof condition. If detectors and egress issues are unresolved, the property risks an inspection fail; otherwise it is likely rent-ready within ~2–4 weeks for minor repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior photos show generally clean, occupied condition with cosmetic wear only: carpeted living spaces, intact walls, furniture present. Kitchen has a working range and refrigerator visible but cabinet trim/hood paint is peeling and cabinet bases show wear. Bathroom and tile floors look serviceable though grout and trim show age. Small ceiling patch visible in main living area. No obvious major deferred maintenance such as collapsed surfaces or large areas of rot. Missing/aged finishes and minor repairs expected prior to move-in."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Potential safety risks visible or unverified: metal security bars on front windows (seen in exterior photos) may block emergency egress unless they have an interior quick-release; no smoke or CO detectors are visible in photos (unable to confirm present/working). GFCI protection for kitchen/bath outlets is not visible and likely absent given home age. Ceiling has a visible patched area which could indicate prior leak (no active leak visible). Entry platform/step has no handrail but appears low; means-of-egress and outlet protection need verification. These items create a moderate NSPIRE risk until verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Evidence of central HVAC supply/returns in interior photos suggests heating/cooling present. A gas or electric range is installed; water heater and electrical panel are not pictured so condition is unknown. Roof shingles appear aged with staining and some wear but no visible sagging or large missing sections in photos. Plumbing fixtures (sink, tub/shower) appear intact. Given house age (1955), expect some systems may be older and require standard servicing, but nothing in photos indicates imminent system failure."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.0,
"rationale": "Brick exterior appears solid and intact with a fenced backyard per listing. Asphalt shingle roof shows wear and aging but no obvious collapse. Large pine trees are very close to the building — increases debris/roof wear risk and potential root/drainage issues. Front entry has a small wooden landing/step; no guardrail present but drop appears low. Yard and walkways are uneven and have pine needle/debris cover, but no standing water or major foundation displacement visible in photos."
}
],
"red_flags": [
"Window security bars visible on front windows — potential emergency egress blockage unless they have an interior quick-release mechanism (NSPIRE fail risk).",
"No smoke detectors or CO alarms visible in photos — required and a common fail item if absent or nonfunctional.",
"Visible patched/damaged area on living room ceiling — indicates prior leak or ceiling repair; needs verification for active leak or structural damage.",
"Possible absence of GFCI protection in kitchen/bath (not visible) — common NSPIRE fail in older homes if not corrected.",
"Roof shows visible aging/staining and large trees are close to roofline — increased risk for roof / gutter issues if not maintained."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC present and operational (ceiling vents visible); full operational test not shown in photos.",
"Water heater and main electrical panel are present but were not photographed; assumed serviceable until inspection.",
"No active roof leaks observed in photos, but roof shingles show age; assumption that there are no active leaks at time of photos.",
"Smoke and carbon monoxide detectors are not visible in supplied photos and are therefore treated as not confirmed.",
"Window security bars exist on front windows and may be fixed from the outside; assumed they lack an interior quick-release unless provided by owner.",
"Gas/electrical connections for the range are assumed safe (range is in place), but no gas line/venting photos were provided.",
"No visible severe mold, major foundation movement, or collapsed ceilings were present in supplied photos."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1240 Rayfield Dr, Midfield, AL, 35228",
"aggregate": {
"summary": "This brick bungalow appears broadly habitable and close to Section 8/NSPIRE readiness with mostly cosmetic and verifiable small-scope repairs. The primary action items before inspection will be: verify and install smoke/CO detectors, confirm bedroom egress (security bars must be releasable), confirm HVAC, water heater and electrical panel functionality and GFCI protection, and address the patched ceiling/roof condition and the deteriorated range hood trim. With targeted repairs and documentation (service records/receipts), the property is likely to pass an initial HCV inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears generally clean and occupied, with carpets, painted walls and functioning kitchen appliances (stove, refrigerator). Visible cosmetic issues: worn/dirty tile grout in kitchen and bath, damaged/partially missing range hood trim, a ceiling patch in the living area, and general wear on cabinet bases and trim. These are mostly cosmetic or small capital repairs that are straightforward (cleaning, re-caulking, cabinet/hood trim repair, carpet cleaning or replacement in spots). No widespread interior collapse or severe deterioration visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 71.7,
"rationale": "Brick exterior appears intact with no visible foundation cracking or sagging. Yard is maintained but has large pine trees close to the structure (possible future root/leaf/drainage issues). Small front stoop/landing present without a handrail (single step) — not a major code issue but should be checked for trip hazard. Listing and photos state a fenced backyard; fence not clearly shown but likely present. Overall exterior shows normal wear but no structural distress visible."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 56.7,
"rationale": "Potential inspection risks observed: no smoke or carbon monoxide detectors visible in photos (required), bedroom windows have exterior security bars which may impede emergency egress unless they are releasable from the inside, and there is a visible ceiling patch that suggests prior water intrusion. Door hardware presence is unclear (deadbolt not verified). No exposed wiring or missing outlet covers were observed in photos. GFCI presence in kitchen/bath not visible. Overall safety issues are fixable but require verification and likely 2–7 small repairs (install/verify detectors, confirm egress/bar release, add/replace GFCI outlets)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 61.7,
"rationale": "Major systems not directly shown: no HVAC equipment, water heater, or electrical panel are visible in the photos. There is a roof vent/flue and ceiling vents which suggests central mechanical systems may exist, but functionality is unverified. Roof shingles show aging and weather staining; not actively collapsing but likely mid-to-late life and could need replacement within a few years. Kitchen appliances (range, refrigerator) are present and appear to operate. Because core systems are not documented in photos, risk is moderate — likely operational but require verification (HVAC service, water heater, electrical panel/GFCI tests)."
}
],
"red_flags": [
"Window security bars visible on ground-floor windows — potential egress hazard if not releasable from interior (NSPIRE fail if not compliant).",
"Ceiling patch in living area indicating prior roof/water intrusion — needs verification for active leak and repair quality.",
"No smoke detectors or CO alarms visible in photos (required for certification).",
"Roof shows aging/shingle wear and staining — roof replacement may be needed in near term."
],
"confidence": 0.95,
"assumptions": [
"Listing photos are representative of the whole unit and no major unseen structural damage exists.",
"Central HVAC and a gas/electric water heater are present but not photographed; vents and roof flue suggest mechanical systems exist.",
"Smoke and carbon monoxide detectors are either missing or non-visible in photos and will need verification/installation.",
"Exterior window security bars are fixed/security-style; their egress-release hardware is unknown and may not meet NSPIRE egress requirements.",
"No evidence of active mold, active roof leaks, or foundation movement is visible in photos; the visible ceiling patch indicates a prior leak that appears repaired but requires verification.",
"Fenced backyard exists per listing text, though full condition of the fence is not shown."
],
"score_method": "mean_of_criteria",
"overall_score": 66.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7369938772"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.