Property ID: 7396797367
3924 Grasselli Ave SW, Birmingham, AL, 35221
Birmingham, AL
Money Down: $21,600
CoC Return: 12.91%
Monthly Cash Flow: $232
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$18,000
Closing Costs
$3,600
Total Down
$21,600
Investment Snapshot
Purchase Price
$90,000
Money Down
$21,600
Cash-on-Cash Return
12.91%
Rent
$1,001
Monthly Cash Flow
$232
Annual Cash Flow
$2,788
Debt Service / Mo
$479
Property Tax / Mo
$117
Insurance / Mo
$73
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,001
Payment Standard
$1,518
Rent
$1,001
Insurance
$73
Property Tax
$117
Management
$100
Utilities Allowance
$517
NOI (Monthly)
$711
Debt Service
$479
Cash Flow After Debt
$232
Quality Score: 65.30%
Confidence: 95.00%
Overall the property appears structurally serviceable and likely rentable after modest cosmetic updates and standard safety verifications. Primary issues are dated interior finishes and lack of photo evidence for required alarms, GFCI protection, and mechanical systems. With confirmation of functioning HVAC, water heater, smoke/CO detectors and installation of any missing safety devices, this house would likely pass an initial HCV/NSPIRE inspection after 1–4 weeks of work (minor repairs and installations).
Section 8 Payment Standard
$1,518
Utility Allowance Total
$517
Guaranteed Section 8 Rent (PS - Utilities)
$1,001
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$90,000
Beds
3
Baths
1
Living Area
1,130 sqft
Lot Size
1,307 sqft
Year Built
1949
Days on Market
76
Capital Outlay
$21,600
Debt Service
$479
Property Tax / Mo
$117
Insurance / Mo
$73
Property Description
Welcome to 3924 Grasselli Ave SW! This 3-bedroom, 1-bath home offers endless potential for investors or homeowners looking to add value. Sitting on a spacious lot and including the adjacent lot next door, this property provides rare room for expansion, outdoor projects, or future development. With solid bones and plenty of opportunity to reimagine the space, this home is ready for its next chapter-don't miss out on a chance to create something truly special.
Utility Allowances
Cooking
$15
Property info lists 'Stove-Gas'. Selected 'N'Gas: Spire' as it is the most common provider.
Heating
$93
Property has 'Central' heat but the fuel type is ambiguous. The more expensive 'Elec Heat: Ala Power' option was selected per instructions.
Water Heating
$56
Property explicitly lists 'Electric Water Heater'. 'Elec: Ala Power' was selected as the most likely provider.
Cooling
$22
Property has 'Central Air' (electric cooling). 'A/C: Alabama Power' was selected as the most likely provider.
Sewer
$151
Property is listed as 'Sewer: Connected'. The allowance is a fixed value from the schedule for a 3-bedroom unit.
Water
$78
Property has 'Public Water' and is located in Birmingham. The 'Water: Birmingham' schedule option was used.
Trash Collection
$20
Trash service is assumed for a single-family home. 'Jefferson City' was selected as a proxy since the property is in Jefferson County and a specific Birmingham provider is not listed.
Other Electric
$68
Covers baseline electricity for lights and outlets. Assumed 'Ala Power' as the provider, consistent with other electric utilities.
Refrigerator (Tenant-Owned)
$8
A refrigerator is not explicitly listed as a provided appliance and is therefore assumed to be tenant-owned.
Range/Microwave (Tenant-Owned)
$6
A microwave is not explicitly listed as a provided appliance and is therefore 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$718
DP3 Annual Estimate$1,023
DP1 Monthly Equivalent$60
DP3 Monthly Equivalent$85
Replacement Value$88,700
Basis1,130 sqft / 1949
Nearby Houses
Photo unavailable
3900 Carver Ave SW
sold · 0.08 mi
Price: $27,500
3 bd / 1 ba
Latest sale: $27,500 on Dec 05, 2016
Latest rent: —
Photo unavailable
4008 Grasselli Ave SW
sold · 0.10 mi
Price: $85,000
3 bd / 1 ba · 1,153 sqft
Latest sale: $85,000 on Oct 17, 2025
Latest rent: —
Photo unavailable
4009 Grasselli Ave SW
off_market · 0.11 mi
Price: $1,000
3 bd / 1 ba · 875 sqft
Latest sale: $37,500 on Feb 06, 2025
Latest rent: $1,200 on Jun 26, 2025
Photo unavailable
4013 Grasselli Ave SW
sold · 0.12 mi
Price: $2,200
3 bd / 1 ba
Latest sale: $2,200 on Jan 25, 2017
Latest rent: —
Photo unavailable
3748 SW George Ave
sold · 0.14 mi
Price: $47,000
3 bd / 1 ba · 972 sqft
Latest sale: $47,000 on Dec 31, 2024
Latest rent: $1,150 on May 13, 2025
Photo unavailable
3304 Spaulding St SW
sold · 0.14 mi
Price: $40,000
3 bd / 2 ba · 1,140 sqft
Latest sale: $40,000 on Oct 22, 2025
Latest rent: —
Photo unavailable
3925 Viola Ave SW
sold · 0.15 mi
Price: $65,900
3 bd / 1 ba · 1,270 sqft
Latest sale: $65,900
Latest rent: —
Photo unavailable
3921 Viola Ave SW
for_sale · 0.15 mi
Price: $90,000
3 bd / 1 ba · 1,118 sqft
Latest sale: $42,000 on Mar 19, 2014
Latest rent: —
Photo unavailable
4010 Todd Ave SW Lot 7
off_market · 0.17 mi
Price: $21,100
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4112 Viola Ave SW
sold · 0.17 mi
Price: $28,000
3 bd / 2 ba · 1,262 sqft
Latest sale: $28,000
Latest rent: —
Photo unavailable
4108 Viola Ave SW
sold · 0.17 mi
Price: $3,155
2 bd / 1 ba
Latest sale: $3,155 on May 06, 2016
Latest rent: —
Photo unavailable
3729 Viola Ave SW
sold · 0.18 mi
Price: $58,700
2 bd / 2 ba · 1,552 sqft
Latest sale: $58,700 on May 23, 2019
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior areas not shown (kitchen, bathroom, bedrooms) are intact but dated; no visible severe water damage or mold in accessible photos.
- A domestic hot water heater and a heating system (likely forced air given region/age) exist on site though not pictured and are assumed serviceable pending verification.
- Smoke detectors, carbon monoxide alarms, and GFCI protection may be missing or not visible in photos and should be verified and installed per NSPIRE if absent.
- Electrical panel is present and intact (meter and service conduit visible at exterior) though the panel condition was not photographed.
- No active roof leaks or structural foundation movement are present based on visible exterior photos; roof is aged but not failing.
- Bedrooms provide proper egress windows (not photographed) as required by code; this must be verified during inspection.
- Detached garage is assumed usable for storage/parking but interior/structural condition not fully documented.
- No evidence of active pest infestation, severe mold, or recent fire damage was visible in provided photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,363 | $108,400 | $20,100 |
| 2023 | $1,363 | $94,000 | $18,800 |
| 2022 | $1,064 | $73,400 | $14,680 |
| 2021 | $1,064 | $73,400 | $14,680 |
| 2020 | $532 | $73,400 | $7,340 |
| 2019 | $1,113 | $76,800 | $15,360 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-10-02 | Sold | $500 |
Photo Gallery
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"allowance": 15
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{
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"allowance": 93
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{
"note": "Property explicitly lists 'Electric Water Heater'. 'Elec: Ala Power' was selected as the most likely provider.",
"utility": "Water Heating",
"allowance": 56
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{
"note": "Property has 'Central Air' (electric cooling). 'A/C: Alabama Power' was selected as the most likely provider.",
"utility": "Cooling",
"allowance": 22
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{
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"allowance": 151
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{
"note": "Property has 'Public Water' and is located in Birmingham. The 'Water: Birmingham' schedule option was used.",
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"allowance": 78
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{
"note": "Trash service is assumed for a single-family home. 'Jefferson City' was selected as a proxy since the property is in Jefferson County and a specific Birmingham provider is not listed.",
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{
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},
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"label": "Safety / Code Compliance Risk",
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"score": 60.0,
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},
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"Bedrooms provide proper egress windows (not photographed) as required by code; this must be verified during inspection.",
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"label": "Visible condition & repair needs",
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"rationale": "Exterior and interior photos show a structurally intact single-story house with sound roofline, brick foundation skirt and a detached two-car garage. Cosmetic items dominate: dated interior finishes (wall paneling, older carpet), trimmed but overgrown shrubbery, leaf-covered yard and some weathering to siding and garage doors. Front porch tile and iron railings are intact; a wooden temporary ramp is present. No evidence of collapsed ceilings, open framing, or exposed subfloor. Missing-kitchen/bath photos prevent confirmation of appliance condition; absent or dated appliances would be an easy-to-fix/replace expense but not a structural failure. Overall requires cosmetic updates and likely replacement/refresh of finishes to be market-rent ready."
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"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in the interior photos (required for pass). Entry has a security door and the porch has iron railings, but the side wooden ramp lacks a proper handrail and looks temporary — potential trip/fall hazard. Windows appear to be standard bedroom windows and multiple windows are present in bedrooms/living areas (egress probable but not measured). Electrical service drop and meter look intact from exterior; no exposed wiring is visible. The home was built 1949 — a potential lead-based paint hazard unless certified abated or painted and documented. No visible signs of active roof leaks, major water intrusion or mold in photos. Kitchen/bath fixtures and GFCI protection cannot be confirmed from photos. These unknowns lower the safety score; absence of visible life‑threatening hazards keeps it from a failing score."
},
{
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"label": "Major systems & mechanical condition",
"score": 55.0,
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},
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"label": "Exterior envelope & site",
"score": 75.0,
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"red_flags": [
"No visible smoke detectors or CO alarms in interior photos (required for NSPIRE/Section 8).",
"Potential lead-based paint risk (property built 1949) — requires testing/abatement documentation for voucher compliance.",
"No visible heating/air-conditioning equipment or water heater in photos — systems must be verified operational prior to inspection.",
"Temporary wooden ramp at side entrance lacks proper handrail and appears to be an unsafe trip/fall hazard that will need correction."
],
"confidence": 0.6,
"assumptions": [
"Interior kitchen and bathroom (fixtures, hot water, appliances) were not photographed — assumed to be unknown and potentially dated.",
"No smoke detectors or carbon monoxide alarms are visible in interior photos; assume they are not installed or not visible and will need verification/installation.",
"HVAC equipment (exterior condenser or furnace) and the water heater are not visible in photos; assume condition/presence is unverified and may need service or replacement.",
"Bedroom windows shown are assumed to meet egress dimensions typical of 3-bedroom homes, but measurements were not available and must be verified.",
"Electrical panel location and GFCI protection could not be confirmed from images; assumed unknown.",
"Because the house was built in 1949, assume potential lead-based paint hazards until documentation or testing shows otherwise."
],
"overall_score": 65.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "Overall the property appears to have solid bones and is likely rentable with targeted repairs and verifications. Major visible structural failures are not apparent; the most likely inspection issues are missing/uncertain smoke and CO alarms, unknown HVAC operation (no condenser visible), and unverified GFCI/outlet/panel status. Expected path to pass an initial HCV/NSPIRE inspection: address safety items (install/verify smoke and CO detectors, GFCI as needed), confirm HVAC/hot water operation or repair/replace as necessary, perform minor cosmetic and trip‑hazard remediation (secure ramp, clear leaves), and verify electrical/plumbing during a pre-inspection. Estimated time to inspection-ready condition: 2–6 weeks depending on HVAC and mechanical findings.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Deferred maintenance",
"score": 75.0,
"rationale": "Exterior and interior photos show a structurally intact, lived-in house with dated finishes (carpet, wood paneling) but no obvious major damage. Porch tiles, iron railings and brickwork are intact. Yard needs basic clean-up (leaves, trimming). No kitchen/bath photos to confirm appliances or fixtures; missing/unknown appliances assumed but not catastrophic. Overall cosmetic and minor repairs likely (paint, flooring, minor carpentry) but no signs of severe deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety / Code compliance risk",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (required for NSPIRE/HUD). Gas meter/regulator visible at exterior which increases likelihood CO detectors are required. Entry door has a security storm/metal door and porch guardrail present. No exposed live wiring or collapsed ceilings visible. Egress windows appear present but bedrooms not shown so egress cannot be confirmed. GFCI outlets, electrical panel condition and hot water availability are not verifiable from photos. These unknowns reduce the score — fixes likely include installing/confirming smoke/CO detectors, checking GFCI and outlet covers, and verifying bedroom egress."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 55.0,
"rationale": "Roof shingles appear generally intact in photos with no visible sagging or active leaks. No exterior AC condenser or obvious HVAC unit is visible in yard photos (risk: no visible heating/cooling equipment). Electrical service conductors and meter are present and appear typical from exterior, but panel interior condition is unknown. Plumbing and water heater are not shown; hot water availability cannot be confirmed. Given the age (1949) there is moderate risk that systems need servicing or replacement. A thorough mechanical inspection (heat/AC operation, water heater, electrical panel, plumbing) is recommended."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.0,
"rationale": "Lot is spacious and generally well graded. Driveway and walkways appear serviceable. Detached two-car garage is standing and functional though door panels are older; roof on garage looks serviceable from photos. Vegetation is overgrown in places and there are many leaves that could conceal trip hazards; a temporary wooden ramp at the driveway/porch area is visible and may be an unsecured trip hazard. No visible standing water, major foundation cracking, or active pest/infestation signs in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior/exterior photos (required for pass).",
"No visible exterior HVAC condenser or clear evidence of a heating system — 'no visible heating system' condition raises a significant inspection risk.",
"Temporary wooden ramp / unsecured walkway at porch area — potential trip hazard.",
"Property built in 1949 — potential lead-based paint risk (pre-1978) that requires evaluation and remedial action if peeling paint is present.",
"Gas meter/regulator visible; without CO detection this is a hazard for occupants."
],
"confidence": 0.6,
"assumptions": [
"No interior photos of kitchen, bathroom, mechanical closets or electrical panel were provided; assume appliances and mechanicals are present but not verified.",
"Smoke detectors and carbon monoxide alarms are not installed/visible in provided photos and should be treated as missing until confirmed.",
"Bedrooms have code-compliant egress windows, but this is assumed (not directly verified from photos).",
"No obvious active roof leaks seen in exterior photos; assume roof is serviceable but age may require closer inspection.",
"No evidence of severe mold, collapsed ceilings, or major foundation movement in supplied images; assume these are not present but recommend confirmation.",
"Rental history for last 5 years is absent per the snapshot and therefore excluded from the overall weighted score."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3924 Grasselli Ave SW, Birmingham, AL, 35221",
"aggregate": {
"summary": "Overall the property appears structurally serviceable and likely rentable after modest cosmetic updates and standard safety verifications. Primary issues are dated interior finishes and lack of photo evidence for required alarms, GFCI protection, and mechanical systems. With confirmation of functioning HVAC, water heater, smoke/CO detectors and installation of any missing safety devices, this house would likely pass an initial HCV/NSPIRE inspection after 1–4 weeks of work (minor repairs and installations).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Exterior and porch are intact with modest cosmetic wear (peeling paint not obvious, shrubs overgrown). Interior living room photos show dated finishes (carpet, wood-panel walls, older light fixtures) but no visible severe damage. Detached garage and driveway present but garage doors show age. No kitchen/bath photos provided; missing appliance status is unknown. Overall appears cosmetically dated but structurally serviceable; moderate refresh (flooring, paint, minor repairs, possible appliance installation) expected."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.3,
"rationale": "Large, level lot with detached two-car garage and long driveway; chain-link fence in place. Front porch, brick skirt and steps appear structurally sound. Yard is leaf-covered and landscaping is overgrown but no signs of major neglect, erosion, or foundation movement visible. Garage exterior looks weathered but usable. Good curb appeal overall; minimal site repairs expected (landscaping cleanup, minor trim/paint)."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious life-safety hazards visible (no collapsed ceilings, no standing water, handrails present on porch). Exterior electrical service drop and meter are visible and appear intact; no exposed wiring seen in photos. However there is no interior photo evidence of required smoke/CO detectors, GFCI in kitchen/bath, or bedroom egress windows. The small wooden ramp at driveway/side looks temporary and may be a trip/guardrail concern. Because required alarms and some safety features cannot be confirmed from photos, there is moderate NSPIRE risk until these items are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 56.7,
"rationale": "Roof appears intact with no visible sagging or active leaks in exterior photos but shingles look aged (reasonable remaining life uncertain). No HVAC equipment (outside condenser) or water heater is visible in photos; presence and functionality of heating/cooling, water heater, plumbing fixtures and electrical panel cannot be confirmed. Meter and utility connections present. Given age (1949) and lack of visible mechanical equipment photos, moderate risk exists — likely functioning but needs verification/possible service."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Interior areas not shown (kitchen, bathroom, bedrooms) are intact but dated; no visible severe water damage or mold in accessible photos.",
"A domestic hot water heater and a heating system (likely forced air given region/age) exist on site though not pictured and are assumed serviceable pending verification.",
"Smoke detectors, carbon monoxide alarms, and GFCI protection may be missing or not visible in photos and should be verified and installed per NSPIRE if absent.",
"Electrical panel is present and intact (meter and service conduit visible at exterior) though the panel condition was not photographed.",
"No active roof leaks or structural foundation movement are present based on visible exterior photos; roof is aged but not failing.",
"Bedrooms provide proper egress windows (not photographed) as required by code; this must be verified during inspection.",
"Detached garage is assumed usable for storage/parking but interior/structural condition not fully documented.",
"No evidence of active pest infestation, severe mold, or recent fire damage was visible in provided photos."
],
"score_method": "mean_of_criteria",
"overall_score": 65.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7396797367"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.