Property ID: 7373670441
779 Heflin Ave E, Birmingham, AL, 35214
Birmingham, AL
Money Down: $25,333
CoC Return: 16.48%
Monthly Cash Flow: $348
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,111
Closing Costs
$4,222
Total Down
$25,333
Investment Snapshot
Purchase Price
$105,556
Money Down
$25,333
Cash-on-Cash Return
16.48%
Rent
$1,201
Monthly Cash Flow
$348
Annual Cash Flow
$4,174
Debt Service / Mo
$562
Property Tax / Mo
$102
Insurance / Mo
$69
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,201
Payment Standard
$1,518
Rent
$1,201
Insurance
$69
Property Tax
$102
Management
$120
Utilities Allowance
$317
NOI (Monthly)
$910
Debt Service
$562
Cash Flow After Debt
$348
Quality Score: 66.90%
Confidence: 93.00%
Based on exterior photos and listing data, this 3-bed bungalow appears generally serviceable and likely to pass an initial Section 8/HCV inspection after minor repairs and verification of interior safety items. Primary concerns are undocumented interior items required by NSPIRE (smoke/CO detectors, GFCI outlets, egress window compliance), possible roof aging and debris due to heavy tree cover, and unknown HVAC/electrical panel status. With targeted verification/repairs (install/confirm detectors, check HVAC and water heater, clear roof/debris, minor trim/paint), the property is likely rent-ready within 30 days.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$317
Guaranteed Section 8 Rent (PS - Utilities)
$1,201
Property Management
$120
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$105,556
Beds
3
Baths
1
Living Area
1,052 sqft
Lot Size
21,780 sqft
Year Built
1949
Days on Market
98
Capital Outlay
$25,333
Debt Service
$562
Property Tax / Mo
$102
Insurance / Mo
$69
Property Description
Property is part of a 9 door portfolio. One of the 9 is a townhome. Properties are to be sold together and not broken up into individual sales. All information available in MLS documents tab. Properties are currently under management with a local property management company.
Utility Allowances
cooking
$21
Property has an electric oven. 'Elec: Ala Power' was selected as the most likely and highest-cost electric provider.
water_heating
$56
Property has an electric water heater. 'Elec: Ala Power' was selected for consistency with other electric utilities.
heating
$38
Property has natural gas heating. 'N'Gas: Spire' was selected as it is the primary provider for the Birmingham area.
cooling
$22
Property has electric cooling. 'A/C: Alabama Power' was selected for consistency with other electric utilities.
other_electric
$68
Allowance for lights and other general electric use. 'Lights, Ref, Etc.: Ala Power' was selected for consistency.
water
$78
Property has public water. 'Water: Birmingham' was selected based on the property's city.
sewer
$0
Property has a septic tank, so there is no bill for public sewer. Allowance is $0.
trash_collection
$20
Inferred for a single-family home. 'Jefferson City (Once per week)' was selected as the most appropriate provider for the area.
refrigerator
$8
Refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned.
range_microwave
$6
Microwave is not listed as a provided appliance, so it is assumed to be tenant-owned.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$684
DP3 Annual Estimate$981
DP1 Monthly Equivalent$57
DP3 Monthly Equivalent$82
Replacement Value$80,300
Basis1,052 sqft / 1949
Nearby Houses
Photo unavailable
783 Heflin Ave E
sold · 0.02 mi
Price: $140,000
4 bd / 2 ba · 1,320 sqft
Latest sale: $140,000 on Aug 08, 2025
Latest rent: $1,010 on Feb 19, 2022
Photo unavailable
787 Heflin Ave E Lot 14
for_sale · 0.04 mi
Price: $14,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
1639 Circlewood Dr
sold · 0.05 mi
Price: $120,000
3 bd / 1 ba · 1,349 sqft
Latest sale: $120,000 on Jun 11, 2021
Latest rent: $825 on Mar 07, 2016
Photo unavailable
778 Heflin Ave E
sold · 0.05 mi
Price: $125,000
3 bd / 2 ba · 1,796 sqft
Latest sale: $125,000 on Nov 14, 2025
Latest rent: —
Photo unavailable
759 Hopkins Dr
sold · 0.08 mi
Price: $105,000
3 bd / 2 ba · 1,024 sqft
Latest sale: $105,000 on May 28, 2025
Latest rent: $1,150 on Jul 14, 2025
Photo unavailable
766 Heflin Ave E
off_market · 0.09 mi
Price: $89,900
1 bd / 2 ba · 1,436 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1627 Hendrix Dr
sold · 0.09 mi
Price: $169,000
3 bd / 2 ba · 1,509 sqft
Latest sale: $169,000 on Feb 20, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior condition, smoke/CO detectors, GFCI outlets, and electrical panel are not visible in provided photos and are assumed to be typical for a managed rental but require verification.
- Property is currently occupied/managed (MLS rental history shows recent activity), implying basic systems (water, heat/AC, electricity) are functioning at time of listing.
- No active roof leaks or structural sagging are visible from exterior; roof is assumed aged but not failed based on photos.
- Porch low wall provides some fall protection; stair/handrail details cannot be confirmed and may need addition if required by NSPIRE.
- No visible major foundation movement or collapsed elements; block foundation is assumed structurally stable from exterior images.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,187 | $118,500 | $23,700 |
| 2023 | $1,187 | $118,500 | $23,700 |
| 2022 | $852 | $85,100 | $17,020 |
| 2021 | $675 | $67,400 | $13,480 |
| 2020 | $675 | $67,400 | $13,480 |
| 2019 | $675 | $67,400 | $13,480 |
| 2018 | $687 | $68,600 | $13,720 |
| 2017 | $687 | $68,600 | $13,720 |
| 2016 | $440 | $44,000 | $8,800 |
| 2015 | $440 | $44,000 | $8,800 |
| 2013 | $667 | $43,600 | $8,720 |
| 2012 | $667 | $65,100 | $13,020 |
| 2011 | $725 | $70,900 | $14,180 |
| 2010 | $725 | $70,900 | $14,180 |
| 2009 | $725 | $70,900 | $14,180 |
| 2008 | $736 | $72,000 | $14,400 |
| 2007 | $729 | $71,300 | $14,260 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2015-01-16 | Sold | $13,300 |
| 2014-10-16 | Sold | $15,478 |
| 2013-09-26 | Sold | $15,478 |
| 1999-02-10 | Sold | $54,900 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-10-13 | Listed for rent | $1,150 | — |
| 2018-08-22 | Listed for rent | $850 | — |
| 2015-11-07 | Listed for rent | $800 | — |
Photo Gallery
Show raw JSON (debug)
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/779-Heflin-Ave-E_Birmingham_AL_35214_M73736-70441",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 105556.0,
"loan_term_years": 30,
"annual_cash_flow": 10915.69,
"mortgage_monthly": 561.81,
"payment_standard": 1518.0,
"total_amount_out": 21111.2,
"additional_photos": [
"https://ap.rdcpix.com/67d08a9e15f28d1e1eb9844073e6fe26l-m1544966556s-w1280.jpg",
"https://ap.rdcpix.com/67d08a9e15f28d1e1eb9844073e6fe26l-m2620012275s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 69.38,
"monthly_cash_flow": 909.64,
"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 an electric oven. 'Elec: Ala Power' was selected as the most likely and highest-cost electric provider.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Property has an electric water heater. 'Elec: Ala Power' was selected for consistency with other electric utilities.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "Property has natural gas heating. 'N'Gas: Spire' was selected as it is the primary provider for the Birmingham area.",
"utility": "heating",
"allowance": 38
},
{
"note": "Property has electric cooling. 'A/C: Alabama Power' was selected for consistency with other electric utilities.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Allowance for lights and other general electric use. 'Lights, Ref, Etc.: Ala Power' was selected for consistency.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property has public water. 'Water: Birmingham' was selected based on the property's city.",
"utility": "water",
"allowance": 78
},
{
"note": "Property has a septic tank, so there is no bill for public sewer. Allowance is $0.",
"utility": "sewer",
"allowance": 0
},
{
"note": "Inferred for a single-family home. 'Jefferson City (Once per week)' was selected as the most appropriate provider for the area.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "Refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "Microwave is not listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 21111.2,
"property_tax_annual": 1222.61,
"property_tax_monthly": 101.88,
"property_tax_increase": 0.03,
"utility_allowance_total": 317.0,
"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": 4173.93,
"property_management_monthly": 120.1,
"monthly_cash_flow_after_debt": 347.83,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and listing data, this 3-bed bungalow appears generally serviceable and likely to pass an initial Section 8/HCV inspection after minor repairs and verification of interior safety items. Primary concerns are undocumented interior items required by NSPIRE (smoke/CO detectors, GFCI outlets, egress window compliance), possible roof aging and debris due to heavy tree cover, and unknown HVAC/electrical panel status. With targeted verification/repairs (install/confirm detectors, check HVAC and water heater, clear roof/debris, minor trim/paint), the property is likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Exterior photos show a largely intact, recently painted-looking exterior with vinyl siding and concrete block foundation. Porch posts and low block wall are intact; windows appear whole. Visible deferred items: roof shingles show debris buildup and probable age-related wear, paint touch-up needed on porch trim and posts, driveway and yard need cleanup. No obvious severe interior/exterior damage visible from photos. Missing interior photos and appliance views limit assessment, but property is currently managed and recently rented which supports a generally maintained condition. Missing appliances not observed; assumed moderate impact if absent."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible exposed wiring, major foundation cracks, collapsed ceilings, or standing water from exterior photos. Entry door appears secure but deadbolt not visible. Smoke/carbon monoxide detectors, GFCI outlets, and interior egress/window dimensions cannot be confirmed from photos — these are common NSPIRE fail points and reduce score. Porch has a low block wall that provides some fall protection but handrail/guard height/spacing not measurable from images. Trees are close to the roof, raising risk of debris-caused roof damage and clogged drainage if not addressed. Overall moderate compliance risk mainly due to unknowns inside and lack of visible detectors."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 60.0,
"rationale": "No exterior HVAC condenser or water heater is visible in provided photos; electrical panel and plumbing fixtures not shown. Roof shows signs of age/debris which could indicate need for shingle replacement or flashing work in short term. Because the property is under management and has a recent rental event, major systems are likely functional but age-related repairs or near-term replacements are possible. The unknown status of HVAC, water heater, and electrical panel prevents a higher score."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Siding appears in good condition, foundation block intact, and the front porch is serviceable. Yard is clear of structural hazards though covered in pine needles and debris which will require cleanup. Trees are very close to the house and overhang the roof, increasing long-term roof and drainage risk and potential for falling limbs. Driveway appears unpaved/gravel but functional. No visible signs of severe exterior neglect, infestation, or major foundation movement in photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior condition, smoke/CO detectors, GFCI outlets, and electrical panel are not visible in provided photos and are assumed to be typical for a managed rental but require verification.",
"Property is currently occupied/managed (MLS rental history shows recent activity), implying basic systems (water, heat/AC, electricity) are functioning at time of listing.",
"No active roof leaks or structural sagging are visible from exterior; roof is assumed aged but not failed based on photos.",
"Porch low wall provides some fall protection; stair/handrail details cannot be confirmed and may need addition if required by NSPIRE.",
"No visible major foundation movement or collapsed elements; block foundation is assumed structurally stable from exterior images."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and listing metadata, this 3‑bed bungalow appears broadly serviceable with mostly cosmetic and age‑related items visible. The property shows signs of routine management and recent rental activity which reduces the likelihood of catastrophic hidden defects. Primary concerns for an initial HCV/NSPIRE inspection are unverified smoke/CO detectors and GFCI protection, the aged roof (organic staining and debris from overhanging trees), and unconfirmed mechanical systems (HVAC, water heater, electrical). Most issues appear repairable without heavy structural work; pass likely after addressing detector/GFCI items, minor roof/cleaning and any small mechanical repairs discovered on site.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Exterior photos show an intact vinyl-sided bungalow with painted block porch skirt and columns. No visible major siding damage, broken windows, or collapsed elements. Roof shows age and surface debris/organic staining but no visible large missing roof fields in photos. Yard is unmaintained (pine needles) and driveway is unpaved. Missing interior photos mean kitchen/bath finishes and appliances cannot be confirmed; however listing notes properties are under local management and recently rented which suggests routine maintenance. Overall visible issues are mostly cosmetic and moderate capital items (roof cleaning/spot shingle replacement, paint touch-up, minor porch repairs)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed structures, standing water, or exposed electrical). Entry door appears secure; porch has a solid low wall which may satisfy guard requirements for its height. Photos do not show smoke/CO detectors, GFCI outlets, electrical panel condition, or interior trip hazards—these are required for NSPIRE. Large trees and overhang close to roof increase risk of roof debris/impact. Because the building was recently managed/rented, it is reasonable to expect basic safety items are present but not verified — moderate inspection risk for missing detectors, GFCI protection in kitchen/bath, and possible roof debris hazards."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 60.0,
"rationale": "Roof shows signs of age and organic staining; no obvious active leaks visible externally but roof replacement or at least spot repairs may be needed in short term. No exterior HVAC condenser, meter, or water heater is visible in provided photos; interior mechanicals could be located out of view. Electrical panel and plumbing fixtures are not visible. Given the age (1949) plus evidence of ongoing management and recent rental, systems likely functional but may be aged — moderate risk that one or more systems need repair or replacement upon detailed inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.0,
"rationale": "Siding, windows and foundation/vented block skirt appear intact from photos. Lot is wooded with large trees directly adjacent to the roof — raising risk for gutters/roof damage and debris. Driveway/yard are unpaved and covered in pine debris which is a cosmetic/maintenance item but not an immediate code failure. No visible erosion, standing water, or foundation cracking in the images provided."
},
{
"key": "rental_history_activity",
"label": "Recent rental / management activity (last 5 yrs)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior rooms (kitchen, bathroom, bedrooms) are intact and not severely damaged; no obvious interior collapse or major water damage inferred from exterior.",
"Property management/rental history indicates utilities and basic systems (heat/hot water/electric) were functional within the past 5 years, though age-related degradation is possible.",
"Smoke and carbon monoxide detectors, GFCI outlets, and electrical panel condition are not visible in photos — assumed present but need verification during inspection.",
"No major active roof leaks are present despite visible roof staining/debris; roof likely aged but not catastrophically failed based on photos.",
"Windows provide required bedroom egress (not confirmed visually but assumed typical for a 3-bed dwelling unless interior inspection shows otherwise).",
"Any missing interior appliances (stove/fridge) would be repair/capital items and not treated as immediate safety failures."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and listing data the property appears in generally serviceable condition with newer-looking siding and an intact porch. The greatest inspection risk stems from unknown interior/system conditions (HVAC, hot water, smoke/CO detectors, GFCIs, egress windows) and roof maintenance due to heavy tree cover and roof debris. Because the unit is currently managed and has recent rental activity, it is likely to become Section 8/NSPIRE-compliant with minor-to-moderate repairs and verification (smoke/CO detectors, GFCIs, confirm heating/hot water, clean/inspect roof, confirm handrail/porch step compliance). Estimated time to pass an initial HCV NSPIRE inspection: likely within 2–6 weeks assuming utilities on and straightforward fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show a generally intact small bungalow with newer-looking vinyl siding and painted porch columns. Porch barrier and decorative block foundation appear serviceable. Roof has visible debris, organic staining and some shingle wear at the edges which suggests cleaning and limited roof repair may be needed. No visible broken windows or major exterior damage. Missing/unknown interior cosmetic condition, flooring, cabinets and appliances cannot be confirmed from photos; those are assumed typical and would be easy-to-fix capital items. Overall visible deferred maintenance is minor-to-moderate."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No obvious life-safety hazards visible (no collapsed ceilings, exposed high-voltage wiring, standing water or major foundation failure). Porch has a low knee wall but no visible missing guardrail; stair/handrail at entry not visible which is a potential issue if steps exist. Smoke/CO detectors, GFCIs, egress window compliance, deadbolt presence and interior plumbing/hot water cannot be confirmed from exterior photos — these are common inspection failure points and will need verification. Trees overhang the roof which raises risk for roof damage/leaf accumulation and rodents. Because the property was recently managed and rented, basic life-safety items are likely present but unconfirmed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 55.0,
"rationale": "No exterior HVAC condenser or water heater is visible in photos; age of house (1949) raises probability of older systems unless rehabilitated. Roof shows built-up debris and staining — needs inspection and probable minor repairs. Electrical service/panel not visible and no exposed wiring observed outside. Plumbing, hot water and heating/cooling operation are unknown and are typical NSPIRE checkpoints that often require on-site functional verification; lack of visible HVAC lowers score to reflect inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Lot appears cleared but unlandscaped — pine needles and natural groundcover with an unpaved driveway/parking area. Siding and foundation block look intact. Significant mature trees and heavy vegetation are very close to the structure and overhang the roof, creating ongoing maintenance and roof/leaf/debris/drainage concerns. No visible evidence of major pest infestation or active standing water. Walkway and entry appear usable but steps/handrails are not shown and should be confirmed."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Management Activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Large mature trees and heavy vegetation overhanging and contacting the roof (risk of roof damage, debris buildup, rodents).",
"Roof showing visible debris/algae/staining — needs cleaning and inspection; potential for shingle wear at edges.",
"No visible exterior HVAC condenser or mechanical equipment in photos (system presence and operational heating/cooling unknown).",
"No gutters/downspouts visible — potential drainage issues that can affect foundation over time.",
"Porch entry steps/handrail not shown; missing/unsafe handrail or non-compliant stair could cause inspection failure if present."
],
"confidence": 0.65,
"assumptions": [
"Interior photos and systems were not provided; assume interior is in typical rented condition unless otherwise noted in MLS documents.",
"Utilities (power, water) are active because property is listed as currently under management and has recent rental history.",
"No major unseen structural failures (foundation movement, collapsed ceilings) are present, because exterior shows no obvious signs of sagging or major settlement.",
"Heating/Cooling and water heater exist but locations and operational status are unknown; absence of an exterior condenser in photos does not confirm lack of HVAC (could be window units or interior systems).",
"Smoke and carbon monoxide detectors, GFCI protection, and deadbolt locks are not visible in photos and must be verified on-site; assume the manager may have installed them but treat as unconfirmed."
],
"overall_score": 65.0,
"rubric_version": "2026-02-16_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "779 Heflin Ave E, Birmingham, AL, 35214",
"aggregate": {
"summary": "Based on exterior photos and listing data, this 3-bed bungalow appears generally serviceable and likely to pass an initial Section 8/HCV inspection after minor repairs and verification of interior safety items. Primary concerns are undocumented interior items required by NSPIRE (smoke/CO detectors, GFCI outlets, egress window compliance), possible roof aging and debris due to heavy tree cover, and unknown HVAC/electrical panel status. With targeted verification/repairs (install/confirm detectors, check HVAC and water heater, clear roof/debris, minor trim/paint), the property is likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 73.3,
"rationale": "Exterior photos show a largely intact, recently painted-looking exterior with vinyl siding and concrete block foundation. Porch posts and low block wall are intact; windows appear whole. Visible deferred items: roof shingles show debris buildup and probable age-related wear, paint touch-up needed on porch trim and posts, driveway and yard need cleanup. No obvious severe interior/exterior damage visible from photos. Missing interior photos and appliance views limit assessment, but property is currently managed and recently rented which supports a generally maintained condition. Missing appliances not observed; assumed moderate impact if absent."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Siding appears in good condition, foundation block intact, and the front porch is serviceable. Yard is clear of structural hazards though covered in pine needles and debris which will require cleanup. Trees are very close to the house and overhang the roof, increasing long-term roof and drainage risk and potential for falling limbs. Driveway appears unpaved/gravel but functional. No visible signs of severe exterior neglect, infestation, or major foundation movement in photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible exposed wiring, major foundation cracks, collapsed ceilings, or standing water from exterior photos. Entry door appears secure but deadbolt not visible. Smoke/carbon monoxide detectors, GFCI outlets, and interior egress/window dimensions cannot be confirmed from photos — these are common NSPIRE fail points and reduce score. Porch has a low block wall that provides some fall protection but handrail/guard height/spacing not measurable from images. Trees are close to the roof, raising risk of debris-caused roof damage and clogged drainage if not addressed. Overall moderate compliance risk mainly due to unknowns inside and lack of visible detectors."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanicals",
"score": 58.3,
"rationale": "No exterior HVAC condenser or water heater is visible in provided photos; electrical panel and plumbing fixtures not shown. Roof shows signs of age/debris which could indicate need for shingle replacement or flashing work in short term. Because the property is under management and has a recent rental event, major systems are likely functional but age-related repairs or near-term replacements are possible. The unknown status of HVAC, water heater, and electrical panel prevents a higher score."
}
],
"red_flags": [],
"confidence": 0.93,
"assumptions": [
"Interior condition, smoke/CO detectors, GFCI outlets, and electrical panel are not visible in provided photos and are assumed to be typical for a managed rental but require verification.",
"Property is currently occupied/managed (MLS rental history shows recent activity), implying basic systems (water, heat/AC, electricity) are functioning at time of listing.",
"No active roof leaks or structural sagging are visible from exterior; roof is assumed aged but not failed based on photos.",
"Porch low wall provides some fall protection; stair/handrail details cannot be confirmed and may need addition if required by NSPIRE.",
"No visible major foundation movement or collapsed elements; block foundation is assumed structurally stable from exterior images."
],
"score_method": "mean_of_criteria",
"overall_score": 66.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7373670441"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.