Property ID: 7391817885

745 Melody Dr, Metairie, LA, 70002

Metairie, LA

For Sale Mar 27, 2026 01:51 AM UTC Realtor Zillow Street View Rent Zestimate
Money Down: $54,000 CoC Return: -3.47% Monthly Cash Flow: $-156
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$45,000
Closing Costs
$9,000
Total Down
$54,000
Primary property image

Investment Snapshot

Purchase Price
$225,000
Money Down
$54,000
Cash-on-Cash Return
-3.47%
Rent
$1,303
Monthly Cash Flow
$-156
Annual Cash Flow
$-1,875
Debt Service / Mo
$1,198
Property Tax / Mo
$73
Insurance / Mo
$58

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,303
Payment Standard
$1,552
Rent
$1,303
Insurance
$58
Property Tax
$73
Management
$130
Utilities Allowance
$249
NOI (Monthly)
$1,041
Debt Service
$1,198
Cash Flow After Debt
$-156

Quality Score: 22.40%

Confidence: 77.00%

This property is not rent-ready and carries multiple major NSPIRE inspection risks. The listing explicitly calls it a 'tear down' and notes possible cracked slab/settlement. Photos corroborate serious deferred maintenance: exposed bathroom wall studs with water damage, a severely rotted and sagging rear deck (trip/fall hazard), aged roof and finishes, and seller-stated no repairs. These issues create high likelihood of initial inspection failure (structural/foundation concerns, health hazards, missing required detectors, hazardous exterior deck). Substantial structural and system remediation would be required before passing a Housing Choice Voucher inspection.

Section 8 Payment Standard
$1,552
Utility Allowance Total
$249
Guaranteed Section 8 Rent (PS - Utilities)
$1,303
Property Management
$130

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$225,000
Beds
2
Baths
2
Living Area
1,363 sqft
Lot Size
Year Built
1957
Days on Market
229
Capital Outlay
$54,000
Debt Service
$1,198
Property Tax / Mo
$73
Insurance / Mo
$58

Property Description

HOUSE IS A TEAR DOWN, PRICED FOR LAND VALUE ONLY, HOUSE IS IN POOR CONDITION HAVING POSSIBLY A CRACKED SLAB AND SETTLEMENT, NO REPAIRS WILL BE MADE AND SOLD AS-IS, NO REPAIRS OR CONCESSIONS FOR REPAIRS. PROPERTY IS ZONED 1/2 OF THE FIRST 25' FRONTAGE IS C-1 AND 1/2 OF THE 2ND 25' FRONTAGE IS R-1A, SUCCESSION PROPERTY. BUYERS TO CONFIRM REGULATIONS & GUIDELINES WITH ZONING DEPARTMENT. GREAT LOCATION IN METAIRIE AND JUST OFF VETERANS HWY.

Utility Allowances

Heating (Natural Gas)
$61
Selected 'natural_gas' for a 2-bedroom unit based on property data indicating central gas heating.
Other Electric
$57
Fixed allowance for a 2-bedroom unit, covering general electricity for lights, outlets, and tenant appliances. This is a standard charge.
Sewer
$39
Fixed allowance for a 2-bedroom unit. The property data confirms connection to 'Public Sewer'.
Water
$36
Fixed allowance for a 2-bedroom unit. The property data confirms connection to a 'Public' water source.
Trash Collection
$25
Fixed allowance for a 2-bedroom unit. Trash collection is a standard municipal service assumed to be a tenant expense.
Water Heating (Natural Gas)
$21
Selected 'natural_gas' for a 2-bedroom unit. Fuel type was not specified, so it was inferred to be natural gas to be consistent with the property's other gas appliances (heating).
Cooking (Natural Gas)
$10
Selected 'natural_gas' for a 2-bedroom unit. The property has natural gas available and includes a range/oven.

Source References

Utility Allowance Source
Effective Date: Jan 01, 2026
No utility allowance source links available.

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$683
DP3 Annual Estimate$714
DP1 Monthly Equivalent$57
DP3 Monthly Equivalent$60
Replacement Value$19,600
Basis1,363 sqft / 1957

Nearby Houses

Nearby house 1
Photo unavailable

736 Beverly Garden Dr Unit Lower

off_market · 0.02 mi
Price: $1,600
3 bd / 1 ba · 1,000 sqft
Latest sale: —
Latest rent: —
Nearby house 2
Photo unavailable

729 Melody Dr

for_sale · 0.04 mi
Price: $599,000
4 bd / 3 ba · 2,104 sqft
Latest sale: —
Latest rent: —
Nearby house 3
Photo unavailable

716 Beverly Garden Dr

sold · 0.06 mi
Price: $339,000
3 bd / 2 ba · 1,148 sqft
Latest sale: — on Oct 01, 2024
Latest rent: —
Nearby house 4
Photo unavailable

2733 Metairie Heights Ave

sold · 0.12 mi
Price: $479,000
3 bd / 2 ba · 2,300 sqft
Latest sale: — on Dec 23, 2024
Latest rent: —
Nearby house 5
Photo unavailable

824 Hesper1 Ave

off_market · 0.16 mi
Price: $849,000
4 bd / 4 ba · 3,210 sqft
Latest sale: — on Oct 01, 2025
Latest rent: —
Nearby house 6
Photo unavailable

1913 Demosthenes St Lot 6A

for_sale · 0.16 mi
Price: $280,000
— bd / — ba · 7,764 sqft
Latest sale: —
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success
  • Foundation movement / cracked slab reported in listing (high risk of structural failure).
  • Severely rotted, sagging backyard deck with large drop — immediate trip/fall hazard / collapsed deck risk.
  • Exposed bathroom wall studs and substrate with evidence of water damage — potential mold and plumbing issues.
  • Property described as 'TEAR DOWN' and sold AS-IS (seller will not repair) — indicates poor condition and unknown concealed hazards.
  • Sidewalk/driveway excavation and caution tape on-site — active site hazards present.

Assumptions

  • Listing statement 'possibly a cracked slab and settlement' is taken as credible and indicates foundation movement or significant slab cracking.
  • Absence of visible smoke or carbon monoxide detectors in photographs is assumed to indicate they are missing or not in required locations unless proven otherwise.
  • Operational condition of HVAC, water heater, electrical panel, and major appliances is unknown; scoring assumes at least partial noncompliance or need for service due to age and visible damage.
  • Potential mold or concealed water damage behind exposed bathroom wall is assumed likely based on visible substrate staining and removed finishes.
  • No recent rental history exists (rental_history_last_5y missing) and therefore was excluded from scoring.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $853 $67,600 $6,760
2024 $851 $67,600 $6,760
2023 $889 $67,600 $6,760
2022 $866 $67,600 $6,760
2021 $804 $67,600 $6,760
2020 $798 $67,600 $6,760
2019 $821 $67,600 $6,760
2018 $766 $67,600 $6,760
2017 $766 $67,600 $6,760
2016 $751 $67,600 $6,760
2015 $770 $67,600 $6,760
2014 $760 $67,600 $6,760
2013 $760 $67,600 $6,760
2010 $703 $68,500 $6,850
2009 $703 $68,500 $6,850

Sale History

DateEventPrice
2026-02-09 Price Changed $225,000
2025-08-22 Listed $265,000

Photo Gallery

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          {
            "tax": 804,
            "year": 2021,
            "market": {
              "land": 48000,
              "total": 67600,
              "building": 19600
            },
            "assessment": {
              "land": 4800,
              "total": 6760,
              "building": 1960
            }
          },
          {
            "tax": 798,
            "year": 2020,
            "market": {
              "land": 48000,
              "total": 67600,
              "building": 19600
            },
            "assessment": {
              "land": 4800,
              "total": 6760,
              "building": 1960
            }
          },
          {
            "tax": 821,
            "year": 2019,
            "market": {
              "land": 48000,
              "total": 67600,
              "building": 19600
            },
            "assessment": {
              "land": 4800,
              "total": 6760,
              "building": 1960
            }
          },
          {
            "tax": 766,
            "year": 2018,
            "market": {
              "land": 48000,
              "total": 67600,
              "building": 19600
            },
            "assessment": {
              "land": 4800,
              "total": 6760,
              "building": 1960
            }
          },
          {
            "tax": 766,
            "year": 2017,
            "market": {
              "land": 48000,
              "total": 67600,
              "building": 19600
            },
            "assessment": {
              "land": 4800,
              "total": 6760,
              "building": 1960
            }
          },
          {
            "tax": 751,
            "year": 2016,
            "market": {
              "land": 48000,
              "total": 67600,
              "building": 19600
            },
            "assessment": {
              "land": 4800,
              "total": 6760,
              "building": 1960
            }
          },
          {
            "tax": 770,
            "year": 2015,
            "market": {
              "land": 48000,
              "total": 67600,
              "building": 19600
            },
            "assessment": {
              "land": 4800,
              "total": 6760,
              "building": 1960
            }
          },
          {
            "tax": 760,
            "year": 2014,
            "market": {
              "land": 48000,
              "total": 67600,
              "building": 19600
            },
            "assessment": {
              "land": 4800,
              "total": 6760,
              "building": 1960
            }
          },
          {
            "tax": 760,
            "year": 2013,
            "market": {
              "land": 48000,
              "total": 67600,
              "building": 19600
            },
            "assessment": {
              "land": 4800,
              "total": 6760,
              "building": 1960
            }
          },
          {
            "tax": 703,
            "year": 2010,
            "market": {
              "land": 48000,
              "total": 68500,
              "building": 20500
            },
            "assessment": {
              "land": 4800,
              "total": 6850,
              "building": 2050
            }
          },
          {
            "tax": 703,
            "year": 2009,
            "market": {
              "land": 48000,
              "total": 68500,
              "building": 20500
            },
            "assessment": {
              "land": 4800,
              "total": 6850,
              "building": 2050
            }
          }
        ],
        "property_history": [
          {
            "date": "2026-02-09",
            "price": 225000,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-08-22T19:18:29Z",
              "list_price": 225000,
              "listing_id": "2985619689",
              "last_update_date": "2026-02-09T15:19:59Z",
              "last_status_change_date": "2025-08-22T19:18:29Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 165.07703595011006,
            "source_name": "NewOrleans",
            "price_change": -40000,
            "days_after_listed": null,
            "source_listing_id": "2518149",
            "price_change_percentage": null
          },
          {
            "date": "2025-08-22",
            "price": 265000,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-08-22T19:18:29Z",
              "list_price": 225000,
              "listing_id": "2985619689",
              "last_update_date": "2026-02-09T15:19:59Z",
              "last_status_change_date": "2025-08-22T19:18:29Z"
            },
            "event_name": "Listed",
            "price_sqft": 194.42406456346296,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2518149",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": false
  },
  "property_id": "7391817885",
  "generated_at": "2026-03-27T01:51:53.409628Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 10.0,
    "overall_score": 22.4
  },
  "utility_allowance": {
    "zip_code": "70002",
    "home_photo": "https://ap.rdcpix.com/45f0430d1d84f86b455744fe3f6af7d3l-m3872481317s-w1280.jpg",
    "rent_price": 1303.0,
    "loan_amount": 180000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/745-Melody-Dr_Metairie_LA_70002_M73918-17885",
    "bedroom_count": 2,
    "interest_rate": 0.07,
    "purchase_price": 225000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 12495.31,
    "mortgage_monthly": 1197.54,
    "payment_standard": 1552.0,
    "total_amount_out": 45000.0,
    "additional_photos": [
      "https://ap.rdcpix.com/45f0430d1d84f86b455744fe3f6af7d3l-m3480249812s-w1280.jpg",
      "https://ap.rdcpix.com/45f0430d1d84f86b455744fe3f6af7d3l-m4290191862s-w1280.jpg",
      "https://ap.rdcpix.com/45f0430d1d84f86b455744fe3f6af7d3l-m1411336593s-w1280.jpg",
      "https://ap.rdcpix.com/45f0430d1d84f86b455744fe3f6af7d3l-m1880604428s-w1280.jpg",
      "https://ap.rdcpix.com/45f0430d1d84f86b455744fe3f6af7d3l-m618402870s-w1280.jpg",
      "https://ap.rdcpix.com/45f0430d1d84f86b455744fe3f6af7d3l-m4226622734s-w1280.jpg",
      "https://ap.rdcpix.com/45f0430d1d84f86b455744fe3f6af7d3l-m1345551402s-w1280.jpg",
      "https://ap.rdcpix.com/45f0430d1d84f86b455744fe3f6af7d3l-m1492801896s-w1280.jpg",
      "https://ap.rdcpix.com/45f0430d1d84f86b455744fe3f6af7d3l-m4157904514s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 58.21,
    "monthly_cash_flow": 1041.28,
    "property_tax_rate": null,
    "_utility_allowance": {
      "sources": [],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "Selected 'natural_gas' for a 2-bedroom unit based on property data indicating central gas heating.",
        "utility": "Heating (Natural Gas)",
        "allowance": 61
      },
      {
        "note": "Fixed allowance for a 2-bedroom unit, covering general electricity for lights, outlets, and tenant appliances. This is a standard charge.",
        "utility": "Other Electric",
        "allowance": 57
      },
      {
        "note": "Fixed allowance for a 2-bedroom unit. The property data confirms connection to 'Public Sewer'.",
        "utility": "Sewer",
        "allowance": 39
      },
      {
        "note": "Fixed allowance for a 2-bedroom unit. The property data confirms connection to a 'Public' water source.",
        "utility": "Water",
        "allowance": 36
      },
      {
        "note": "Fixed allowance for a 2-bedroom unit. Trash collection is a standard municipal service assumed to be a tenant expense.",
        "utility": "Trash Collection",
        "allowance": 25
      },
      {
        "note": "Selected 'natural_gas' for a 2-bedroom unit. Fuel type was not specified, so it was inferred to be natural gas to be consistent with the property's other gas appliances (heating).",
        "utility": "Water Heating (Natural Gas)",
        "allowance": 21
      },
      {
        "note": "Selected 'natural_gas' for a 2-bedroom unit. The property has natural gas available and includes a range/oven.",
        "utility": "Cooking (Natural Gas)",
        "allowance": 10
      }
    ],
    "cash_on_cash_return": 0.28,
    "down_payment_amount": 45000.0,
    "property_tax_annual": 878.59,
    "property_tax_monthly": 73.22,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 249.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://jphsdd.org/2025/01/17/payment-standards-update/",
        "https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
      ],
      "effective_date": "2025-01-01"
    },
    "property_tax_history_year": 2025,
    "annual_cash_flow_after_debt": -1875.22,
    "property_management_monthly": 130.3,
    "monthly_cash_flow_after_debt": -156.27,
    "cash_on_cash_return_after_debt": -0.04
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This property is not rent-ready and carries multiple major NSPIRE inspection risks. The listing explicitly calls it a 'tear down' and notes possible cracked slab/settlement. Photos corroborate serious deferred maintenance: exposed bathroom wall studs with water damage, a severely rotted and sagging rear deck (trip/fall hazard), aged roof and finishes, and seller-stated no repairs. These issues create high likelihood of initial inspection failure (structural/foundation concerns, health hazards, missing required detectors, hazardous exterior deck). Substantial structural and system remediation would be required before passing a Housing Choice Voucher inspection.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 15.0,
            "rationale": "Listing states 'HOUSE IS A TEAR DOWN' and 'possibly a cracked slab and settlement.' Photos show multiple deferred items: kitchen cabinets and base trim missing or delaminated, large section of bathroom wall removed exposing studs and substrate with evidence of water/damage, interior clutter and debris, rotted/failed backyard deck with large drop and missing boards. Cosmetic finishes (flooring, paneling) are worn. Missing or nonfunctional appliances likely; seller states sold AS-IS. Overall condition indicates major rehab required."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risks",
            "score": 15.0,
            "rationale": "High NSPIRE risk. Photo evidence and listing indicate structural/settlement risk. Exposed wall cavity in bathroom (photo) and rotted rear deck present immediate trip/fall and possible concealed hazards (mold, rot). No smoke/CO detectors are visible in photos. Window egress in bedrooms appears small but not verified. No exposed live wiring seen in photos, but ceiling/fan fixtures and window AC installations raise questions about code-compliant wiring/GFCI. Seller disclosure of slab/settlement and tear-down status raises likelihood of foundation/structural failures that would fail inspection without remediation."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
            "score": 25.0,
            "rationale": "Some evidence of mechanical components (ceiling vents visible, window AC) but condition/function unknown. Bathroom plumbing fixtures present but wall plumbing exposed and repair needed. Water heater and electrical panel not visible. Roof appears aged with vegetation growth in photos and likely needs replacement or close inspection. Given listing warnings about settlement/cracked slab and pictured water damage, systems have elevated risk and should be assumed in need of repair or replacement until professionally inspected."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 35.0,
            "rationale": "Front yard and curb appeal are reasonable; brick exterior appears intact. However backyard deck is severely deteriorated and sagging with exposed blocks (safety hazard). Sidewalk/driveway area shows excavation and caution tape. Possible site drainage or settlement issues given slab concerns. No obvious active standing water or infestation seen in photos, but visible deck failure and site excavation increase repair scope."
          }
        ],
        "red_flags": [
          "Foundation movement / cracked slab reported in listing (high risk of structural failure).",
          "Severely rotted, sagging backyard deck with large drop — immediate trip/fall hazard / collapsed deck risk.",
          "Exposed bathroom wall studs and substrate with evidence of water damage — potential mold and plumbing issues.",
          "Property described as 'TEAR DOWN' and sold AS-IS (seller will not repair) — indicates poor condition and unknown concealed hazards.",
          "Sidewalk/driveway excavation and caution tape on-site — active site hazards present."
        ],
        "confidence": 0.85,
        "assumptions": [
          "Listing statement 'possibly a cracked slab and settlement' is taken as credible and indicates foundation movement or significant slab cracking.",
          "Absence of visible smoke or carbon monoxide detectors in photographs is assumed to indicate they are missing or not in required locations unless proven otherwise.",
          "Operational condition of HVAC, water heater, electrical panel, and major appliances is unknown; scoring assumes at least partial noncompliance or need for service due to age and visible damage.",
          "Potential mold or concealed water damage behind exposed bathroom wall is assumed likely based on visible substrate staining and removed finishes.",
          "No recent rental history exists (rental_history_last_5y missing) and therefore was excluded from scoring."
        ],
        "overall_score": 21.0,
        "rubric_version": "nsPIRE-2024-v1.0"
      },
      {
        "summary": "Not Section 8 ready. The property shows multiple inspection-failing conditions and substantial deferred maintenance: exposed/demolished bathroom framing with water damage, severe backyard deck rot and lack of guardrails, likely foundation/settlement concerns per listing, and potential electrical/plumbing system issues. Significant repairs and remediation (structural/foundation evaluation, full bathroom rebuild, deck removal/replacement, remediation of water damage/mold, electrical and HVAC verification/repairs, installation of required smoke/CO detectors and GFCIs) would be required before a Housing Choice Voucher inspection could pass. Given seller's 'tear down' stance, this property should be considered a major-rehab or lot-value purchase rather than turnkey rental.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 30.0,
            "rationale": "Listing explicitly states 'tear down' and photos show substantial deferred maintenance: interior demolition in a bathroom with exposed studs and damaged subfloor, rotted/raised backyard deck with missing guardrail and broken boards, worn kitchen cabinets/countertop and damaged cooktop, scattered debris and displaced interior doors/mattress. Cosmetic surfaces (laminate floors, paneling) are worn. Missing or damaged fixtures (bathroom wall removed) require moderate-to-major repairs. Missing major finishes and visible demolition reduce score substantially, but no full structural collapse is visible in photos."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 20.0,
            "rationale": "Multiple NSPIRE safety risks apparent or strongly likely: exposed wall framing and likely exposed wiring in bathroom demolition (photo), severely deteriorated elevated deck lacking guardrails and with drop hazard, visible water-damage/blackening at exposed studs (possible mold/rot), no visible smoke or CO detectors in photos, window AC units and patched openings indicate non-code penetrations. Listing warns of cracked slab/settlement which implies egress/structural safety risk. These conditions represent likely inspection failures until remediated."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems & mechanical condition",
            "score": 25.0,
            "rationale": "Systems condition uncertain and likely poor: photo shows a ceiling HVAC supply diffuser suggesting central HVAC exists but a window AC is being used (raises question of central HVAC operability). Bathroom plumbing has been opened up and shows water damage; water heater and electrical panel not visible. Kitchen appliances partially missing/damaged (cooktop damaged, dishwasher appears present but unknown condition). Given age (1957) and seller's 'tear down' description, expect plumbing/electrical/HVAC to need significant work or replacement."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope & site",
            "score": 45.0,
            "rationale": "Front elevation and yard look generally maintained; sidewalk and lawn appear serviceable. Roof appears aged but not visibly collapsed; however photos of backyard show a severely deteriorated wooden deck with obvious structural and trip/fall hazards and possible voids under the deck. Listing cites possible cracked slab/settlement which affects site/foundation risk. Some utility/driveway excavation/tape visible at curb which could indicate recent work or unresolved site issues."
          }
        ],
        "red_flags": [
          "Foundation movement / cracked slab noted in listing (possible settlement)",
          "Exposed wall studs and probable water-damaged framing in bathroom (risk of rot/mold)",
          "Severely rotted/unsafe raised wood deck with missing guardrails and collapse/trip hazard",
          "Exposed wiring and open wall cavities (electrical hazard until properly remediated)",
          "No visible smoke detectors/CO alarms in photos (NSPIRE immediate fail until installed)",
          "Opened plumbing in bathroom and damaged subfloor (plumbing/hot water system integrity unknown)"
        ],
        "confidence": 0.7,
        "assumptions": [
          "No smoke or CO detectors were visible in provided interior photos; assume none are installed or they are not up to code.",
          "Central HVAC presence is inferred from a ceiling supply vent seen in a bedroom photo, but operability is unknown; the window AC in the kitchen suggests central HVAC may be nonfunctional or supplemental.",
          "Electrical service/panel condition was not photographed; assume aging system consistent with a 1957 house and some exposed wiring where walls are opened.",
          "Listing text noting 'possibly a cracked slab and settlement' is accurate and indicates foundation settlement issues that need professional evaluation.",
          "Blackened areas on exposed studs and subfloor seen in the opened bathroom represent significant water damage and likely mold/decay that require remediation.",
          "Missing or damaged appliances (cooktop, possible missing range) lower readiness but are not primary safety fails; they are repair/capital items.",
          "Roof is aged based on shingle appearance but shows no obvious large-scale collapse in photos; assume moderate remaining life without close inspection.",
          "No rental history in last 5 years; assume the property has not been maintained to rental standards recently."
        ],
        "overall_score": 29.0,
        "rubric_version": "2026-03-Section8-v1"
      },
      {
        "summary": "Very poor Section 8 readiness. Listing and photos indicate a property being marketed as a teardown with foundation/settlement concerns, active water damage, exposed studs/subfloor, and a large failing rear deck — all of which are likely automatic NSPIRE fails or require major structural/mechanical repairs. Unlikely to pass an initial Housing Choice Voucher inspection without extensive remediation or complete rebuild.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 15.0,
            "rationale": "Listing explicitly states 'HOUSE IS A TEAR DOWN' and photos show heavy deferred maintenance: large exterior deck with collapsed/rotten boards and missing support, interior finishes removed/exposed (bathroom studs and subfloor showing black staining), widespread cosmetic damage to cabinets and counters, flooring worn and scattered debris, and at least one bathroom in need of full rebuild. Missing/poorly installed appliances and fixtures present but are secondary to structural/finish failures. These conditions indicate major rehab or demolition rather than minor repairs."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code compliance risk",
            "score": 10.0,
            "rationale": "Multiple safety failures or high-risk items evident or strongly implied: exposed studs and black staining in bathroom consistent with active or historic water intrusion and possible mold; large backyard deck has missing/rotten structure and lacks guardrail/edge protection (trip/fall hazard); listing cites possible cracked slab/settlement (foundation hazard); improvised/window AC in kitchen opening and visible stove top with potential unsafe wiring/installation. No smoke/CO detectors are visible in photos. These combined create immediate safety/code risks that would very likely fail an initial NSPIRE inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (HVAC, electrical, plumbing, roof)",
            "score": 20.0,
            "rationale": "Systems condition is uncertain and shows signs of failure: bathroom plumbing area opened to studs with signs of water damage, water-damaged cabinets under sink, and no visible intact waterproofing. Central HVAC vents visible in ceilings but an obvious window unit in the kitchen suggests HVAC may be unreliable or partially removed. Electrical panel not shown; visible stove and window AC installation raise electrical safety concerns. Roof shows vegetation and age but no catastrophic collapse visible in photos; however listing warns of slab settlement which implies substructure issues. Overall systems require significant evaluation/repair."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, site, and immediate surroundings",
            "score": 30.0,
            "rationale": "Front yard and street appear maintained and accessible; no standing water visible in photos. However the large rear deck is severely deteriorated and presents safety and accessibility problems. The listing's note about a possibly cracked slab and settlement raises concern for foundation/structure and drainage. Roof shows signs of age and some vegetation growth. Site location near mixed-use frontage noted in listing (zoning complexity) but that is not a direct NSPIRE fail. Exterior condition is poor but not uniformly collapsed."
          }
        ],
        "red_flags": [
          "Foundation movement / cracked slab (stated in listing)",
          "Collapsed / severely rotted deck with missing guardrail (trip/fall hazard)",
          "Exposed studs and subfloor with black staining in bathroom — evidence of active/previous leaks and possible mold",
          "Electrical hazards / improvised installations (window AC in kitchen opening, exposed appliance wiring risk)",
          "No visible smoke/carbon monoxide detectors",
          "Major water damage requiring structural/finish replacement"
        ],
        "confidence": 0.85,
        "assumptions": [
          "Listing statement 'tear down' and 'possibly a cracked slab and settlement' are accurate and reflect structural/foundation concerns beyond what is visible in photos.",
          "Smoke and carbon monoxide detectors are not present or not up to code (none visible in supplied photos).",
          "Electrical panel, water heater, and main HVAC equipment locations were not photographed; presence/functionality is unknown. Visible vents suggest central HVAC may exist but may be nonfunctional; a window AC is installed in the kitchen.",
          "No active standing water observed in photos; however black staining and removed wall finishes in bathroom indicate prior or ongoing leaks and possible mold.",
          "Appliances (refrigerator, functional stove/oven) are either missing or nonfunctional; missing appliances were considered a moderate issue but not the primary reason for failure.",
          "Rental history in last 5 years is missing and therefore excluded from final weighted score."
        ],
        "overall_score": 18.0,
        "rubric_version": "2026-03-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "745 Melody Dr, Metairie, LA, 70002",
    "aggregate": {
      "summary": "This property is not rent-ready and carries multiple major NSPIRE inspection risks. The listing explicitly calls it a 'tear down' and notes possible cracked slab/settlement. Photos corroborate serious deferred maintenance: exposed bathroom wall studs with water damage, a severely rotted and sagging rear deck (trip/fall hazard), aged roof and finishes, and seller-stated no repairs. These issues create high likelihood of initial inspection failure (structural/foundation concerns, health hazards, missing required detectors, hazardous exterior deck). Substantial structural and system remediation would be required before passing a Housing Choice Voucher inspection.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 20.0,
          "rationale": "Listing states 'HOUSE IS A TEAR DOWN' and 'possibly a cracked slab and settlement.' Photos show multiple deferred items: kitchen cabinets and base trim missing or delaminated, large section of bathroom wall removed exposing studs and substrate with evidence of water/damage, interior clutter and debris, rotted/failed backyard deck with large drop and missing boards. Cosmetic finishes (flooring, paneling) are worn. Missing or nonfunctional appliances likely; seller states sold AS-IS. Overall condition indicates major rehab required."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site",
          "score": 36.7,
          "rationale": "Front yard and curb appeal are reasonable; brick exterior appears intact. However backyard deck is severely deteriorated and sagging with exposed blocks (safety hazard). Sidewalk/driveway area shows excavation and caution tape. Possible site drainage or settlement issues given slab concerns. No obvious active standing water or infestation seen in photos, but visible deck failure and site excavation increase repair scope."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Risks",
          "score": 15.0,
          "rationale": "High NSPIRE risk. Photo evidence and listing indicate structural/settlement risk. Exposed wall cavity in bathroom (photo) and rotted rear deck present immediate trip/fall and possible concealed hazards (mold, rot). No smoke/CO detectors are visible in photos. Window egress in bedrooms appears small but not verified. No exposed live wiring seen in photos, but ceiling/fan fixtures and window AC installations raise questions about code-compliant wiring/GFCI. Seller disclosure of slab/settlement and tear-down status raises likelihood of foundation/structural failures that would fail inspection without remediation."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
          "score": 23.3,
          "rationale": "Some evidence of mechanical components (ceiling vents visible, window AC) but condition/function unknown. Bathroom plumbing fixtures present but wall plumbing exposed and repair needed. Water heater and electrical panel not visible. Roof appears aged with vegetation growth in photos and likely needs replacement or close inspection. Given listing warnings about settlement/cracked slab and pictured water damage, systems have elevated risk and should be assumed in need of repair or replacement until professionally inspected."
        }
      ],
      "red_flags": [
        "Foundation movement / cracked slab reported in listing (high risk of structural failure).",
        "Severely rotted, sagging backyard deck with large drop — immediate trip/fall hazard / collapsed deck risk.",
        "Exposed bathroom wall studs and substrate with evidence of water damage — potential mold and plumbing issues.",
        "Property described as 'TEAR DOWN' and sold AS-IS (seller will not repair) — indicates poor condition and unknown concealed hazards.",
        "Sidewalk/driveway excavation and caution tape on-site — active site hazards present."
      ],
      "confidence": 0.77,
      "assumptions": [
        "Listing statement 'possibly a cracked slab and settlement' is taken as credible and indicates foundation movement or significant slab cracking.",
        "Absence of visible smoke or carbon monoxide detectors in photographs is assumed to indicate they are missing or not in required locations unless proven otherwise.",
        "Operational condition of HVAC, water heater, electrical panel, and major appliances is unknown; scoring assumes at least partial noncompliance or need for service due to age and visible damage.",
        "Potential mold or concealed water damage behind exposed bathroom wall is assumed likely based on visible substrate staining and removed finishes.",
        "No recent rental history exists (rental_history_last_5y missing) and therefore was excluded from scoring."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 22.4,
      "rubric_version": "nsPIRE-2024-v1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7391817885"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.