Property ID: 7399381649
5028 Ithaca St, Metairie, LA, 70006
Metairie, LA
Money Down: $60,000
CoC Return: 4.99%
Monthly Cash Flow: $250
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$50,000
Closing Costs
$10,000
Total Down
$60,000
Investment Snapshot
Purchase Price
$250,000
Money Down
$60,000
Cash-on-Cash Return
4.99%
Rent
$2,313
Monthly Cash Flow
$250
Annual Cash Flow
$2,995
Debt Service / Mo
$1,331
Property Tax / Mo
$280
Insurance / Mo
$221
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,313
Payment Standard
$2,678
Rent
$2,313
Insurance
$221
Property Tax
$280
Management
$231
Utilities Allowance
$365
NOI (Monthly)
$1,580
Debt Service
$1,331
Cash Flow After Debt
$250
Quality Score: 69.30%
Confidence: 86.00%
Likely passable with minor-to-moderate work. Interior appears clean and mostly updated with appliances present, functioning HVAC suspected, and smoke alarm visible. Primary issues are localized cosmetic/repair items (cabinet kick/possible subfloor exposure, worn shower threshold) and unspecified rear additions noted by seller that require inspection. Key NSPIRE items to verify before inspection: GFCI protection in kitchen/baths, presence/operation of CO detector, confirmation of bedroom egress dimensions, and condition of rear additions. With those fixes/confirmations, property is likely rent-ready within 30 days.
Section 8 Payment Standard
$2,678
Utility Allowance Total
$365
Guaranteed Section 8 Rent (PS - Utilities)
$2,313
Property Management
$231
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$250,000
Beds
5
Baths
3
Living Area
2,839 sqft
Lot Size
—
Year Built
1977
Days on Market
151
Capital Outlay
$60,000
Debt Service
$1,331
Property Tax / Mo
$280
Insurance / Mo
$221
Property Description
Spacious 5 bedroom, 3 full bath home with a versatile floor plan and incredible potential! This property feature crown molding, granite countertops, recessed lighting, ceiling fans and an open living area with a comfortable flow for everyday living and entertaining. Enjoy two primary suites, a large main suite plus a junior suite. The home also includes a dedicated game/exercise or storage room offering flexible space to fit your lifestyle. Two rear additions and a few other areas need repairs, presenting a great opportunity to update and customize to your taste. Relax in the nice backyard with a covered patio. Seller is ready to make a deal. Schedule your showing today and bring your vision.
Utility Allowances
Other Electric
$89
This is a standard allowance for general electricity usage (lights, outlets, etc.) for a home of this size.
Heating
$88
The property has central heating and is supplied with natural gas, making it the most logical fuel source.
Sewer
$61
The property details explicitly state a connection to the city/public sewer system.
Water
$57
The property details explicitly state it uses a public water source.
Water Heating
$30
Natural gas is available at the property for other appliances (heating, cooking), making it the most probable fuel for water heating.
Trash Collection
$25
Trash collection is a standard, required utility for single-family residential properties, inferred as a tenant expense.
Cooking
$15
The property info explicitly states 'Gas: Natural' is available and a range/oven is supplied.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$2,654
DP3 Annual Estimate$2,654
DP1 Monthly Equivalent$221
DP3 Monthly Equivalent$221
Replacement Value$150,700
Basis2,839 sqft / 1977
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Exposed/unfinished area under kitchen cabinet that may indicate past or ongoing water damage to subfloor.
- Seller disclosure: two rear additions and 'a few other areas' need repairs (unseen; could contain hidden safety or structural issues).
- No carbon monoxide alarm visible in provided photos; presence/operation must be verified.
- GFCI protection in kitchen/bathrooms not verifiable from photos — required for NSPIRE compliance and safety.
Assumptions
- Central HVAC is operational because ceiling vents/returns are visible; no separate heating unit was photographed.
- Smoke detector shown is functional; batteries/status not verified.
- Electrical panel is intact and code-compliant (not photographed).
- Bedrooms have code-compliant egress windows (sizes not measurable from photos).
- Water heater and hot water supply are present and supplying hot water (not photographed).
- Exposed area under kitchen cabinet represents missing toe-kick and possibly localized subfloor damage rather than full structural failure.
- Rear additions mentioned in listing are accessible areas that need repair but are not demonstrably collapsed or severely structurally compromised from available photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $3,266 | $258,800 | $25,880 |
| 2024 | $3,261 | $258,800 | $25,880 |
| 2023 | $3,404 | $258,800 | $25,880 |
| 2022 | $3,315 | $258,800 | $25,880 |
| 2021 | $3,079 | $258,800 | $25,880 |
| 2020 | $3,057 | $258,800 | $25,880 |
| 2019 | $3,143 | $258,800 | $25,880 |
| 2018 | $2,934 | $258,800 | $25,880 |
| 2017 | $2,934 | $258,800 | $25,880 |
| 2016 | $2,877 | $258,800 | $25,880 |
| 2015 | $2,835 | $248,900 | $24,890 |
| 2014 | $2,799 | $248,900 | $24,890 |
| 2013 | $2,799 | $248,900 | $24,890 |
| 2012 | $1,956 | $248,900 | $24,890 |
| 2011 | $1,810 | $247,000 | $24,700 |
| 2010 | $2,536 | $247,000 | $24,700 |
| 2009 | $2,536 | $247,000 | $24,700 |
| 2008 | $1,748 | — | $24,700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2004-11-05 | Sold | — |
Photo Gallery
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"label": "Major Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Ceiling diffusers and register covers visible indicate central HVAC present. Kitchen appliances (stove, microwave, fridge) present and appear functional. Bathrooms show recent tile work. No water stains, roof leaks, or visible plumbing failure evident in photos. Electrical panel, water heater, and exact HVAC age/operation are not shown—creates moderate uncertainty. Overall systems appear functional but require standard verification (HVAC service, water heater, panel check)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front elevation and lot appear in good, maintained condition: intact roofline visible from street, paved driveway/walkway in good condition, yard maintained. No standing water, foundation cracks, collapsed elements or visible severe exterior deterioration in provided images. Shrubbery close to façade could hide trim but is a minor maintenance item."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Central forced-air HVAC is present and functional (ceiling diffusers visible).",
"Roof shows no active leaks from photos; rear additions referenced by listing may have localized issues not visible in provided images.",
"Smoke detector visible in living area; additional smoke alarms and CO detectors may be missing or not shown and will need verification/installation to meet NSPIRE.",
"GFCI protection at kitchen and bathroom outlets is not clearly visible in photos and is assumed uncertain.",
"Electrical panel, water heater, and plumbing system locations/conditions were not provided; assumed serviceable but require inspection.",
"Bedroom windows are assumed to meet egress size/operation requirements based on typical layouts, but measurements/operation must be verified during inspection.",
"No evidence of major structural movement, active roof failure, or standing water observed in supplied photos."
],
"overall_score": 69.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property presents as a structurally sound, mid-condition single-family home with mostly serviceable interior finishes, functional mechanical indicators (central HVAC vents visible), and a maintained exterior. Primary inspection risks are localized: a visible missing/unfinished kitchen floor area, rear additions reported by the seller that require repair (potential unshown issues), and unconfirmed smoke/CO and GFCI coverage. These items are likely addressable within 30 days; the property is moderately close to Section 8/NSPIRE readiness but will require targeted repairs and verification of alarms, GFCI protection, and system operation before passing an initial HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 60.0,
"rationale": "Interior finishes are generally intact: tile and laminate flooring appear serviceable, cabinets and countertops look in good cosmetic condition, and fixtures (fans, lights) are present. Listing and photos note two rear additions and 'a few other areas need repairs' — those areas are not shown and may require moderate work. There is a visible area of missing/unfinished flooring/subfloor under the kitchen cabinet near the sink which requires repair. Bathrooms and showers are older but functional in photos. Overall this is a moderate repair profile: several cosmetic/finish items plus localized carpentry/floor repairs and likely minor trim/work in the additions."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible exposed wiring, broken stair/handrail, collapsed ceilings, or obvious major water intrusion in the photos. A ceiling-mounted smoke alarm-like device is visible in one living area photograph, but carbon monoxide alarms are not visible in the images and smoke/CO coverage throughout the unit cannot be confirmed. Kitchen outlet near sink does not clearly show a GFCI device. Bedroom windows are present and likely provide egress, but exact emergency egress dimensions cannot be confirmed from photos. Entrance door appears secure. Given visible conditions the property shows moderate NSPIRE risk originating from unconfirmed smoke/CO coverage, unclear GFCI protection in wet areas, and the reported rear-addition repairs."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Central HVAC registers/ducts are visible in photos indicating a forced-air system is present. No roof sagging or visible major roof damage in exterior photo; roof appears intact from street view. Kitchen plumbing fixtures and appliances (stove, refrigerator) are present; water heater and electrical panel are not shown. There is no photographic evidence of active leaks, water stains, or failed systems, but the rear additions noted by listing could contain undocumented system issues. Overall systems appear functional but several key items (water heater, electrical panel, demonstration of HVAC operation, hot water) are not confirmed in photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior brick facade, driveway and walkways appear maintained; yard is mowed and there is a covered patio in the rear (listing). No visible foundation cracks, major grading issues, or standing water in the provided exterior photo. Two rear additions (not shown from the front) were called out in the listing as needing repairs — this raises uncertainty about exterior/wall/roof continuity at the additions but the visible exterior from the front shows no obvious distress."
}
],
"red_flags": [
"Visible missing/unfinished flooring/subfloor under kitchen cabinet adjacent to sink (exposed subfloor area).",
"Listing-stated rear additions and 'a few other areas need repairs' — potential structural/unpermitted work in additions not shown in photos.",
"No clearly visible carbon monoxide detector(s) in provided photos and smoke detector coverage cannot be fully confirmed.",
"No clearly identified GFCI-protected outlet at kitchen sink visible in photos (potential electrical code deficiency)."
],
"confidence": 0.6,
"assumptions": [
"Photos are representative of the majority of the unit interior and exterior conditions; no additional major deterioration exists beyond what is shown.",
"Central HVAC is present and operational (ducts/registers visible) though start-up/functionality and heating mode were not tested in photos.",
"Water heater and electrical panel are present and functional but were not photographed; no active leaks or major plumbing failures exist unless in the unshown rear additions.",
"Bedroom windows meet egress minimums based on typical sizes for this era, though exact dimensions were not measured.",
"Missing flooring under the kitchen cabinet is a localized finish/subfloor repair rather than evidence of widespread subfloor collapse or active water intrusion.",
"Rear additions referenced in the listing could be cosmetically or structurally deficient; their exact condition and permit status are unknown and assumed to require moderate repair."
],
"overall_score": 66.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5028 Ithaca St, Metairie, LA, 70006",
"aggregate": {
"summary": "Likely passable with minor-to-moderate work. Interior appears clean and mostly updated with appliances present, functioning HVAC suspected, and smoke alarm visible. Primary issues are localized cosmetic/repair items (cabinet kick/possible subfloor exposure, worn shower threshold) and unspecified rear additions noted by seller that require inspection. Key NSPIRE items to verify before inspection: GFCI protection in kitchen/baths, presence/operation of CO detector, confirmation of bedroom egress dimensions, and condition of rear additions. With those fixes/confirmations, property is likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.3,
"rationale": "Interior photos show generally clean, updated finishes (tile, cabinets, renovated bathrooms) and working appliances present (stove, microwave, refrigerator). Visible minor deferred items: missing toe-kick/area under kitchen cabinet with exposed flooring, one shower threshold/door area shows wear, and seller notes two rear additions and 'a few other areas need repairs.' These are moderate, fixable repairs (cosmetic and some cabinetry/trim/floor replacement) rather than structural."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 76.7,
"rationale": "Front yard, driveway, and entry walkway appear maintained; covered rear patio referenced in listing. No visible foundation cracks or standing water in photos. Mature tree close to house but not evidently causing damage. Listing notes two rear additions that need repair; those areas (not pictured) introduce uncertainty for exterior envelope/drainage and should be inspected. No signs of infestation or severe neglect visible."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 66.7,
"rationale": "A ceiling smoke alarm is visible in a main area. No obvious exposed wiring, loose handrails, or peeling paint observed. Bedroom windows visible but exact egress dimensions cannot be confirmed from photos. GFCI presence at kitchen/bath cannot be confirmed (no close-up of receptacles); carbon monoxide alarm not visible. No active leaks, major mold, or collapsed ceilings observed. Seller-reported rear additions needing repairs raise uncertainty about hidden safety issues. Overall moderate compliance risk that likely can be resolved with targeted fixes (add/verify CO and GFCI, confirm egress sizes)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 68.3,
"rationale": "Central HVAC appears present (ceiling return/vent visible) and interior finishes suggest functioning systems; kitchen appliances are in place. Roof visible from front photo appears intact with no obvious sag or missing shingles. Water heater, electrical panel, and exact plumbing/water-heater condition are not shown. The exposed subfloor area under kitchen cabinet could indicate localized past water issue—needs inspection. No visible major system failures, but unseen components require verification."
}
],
"red_flags": [
"Exposed/unfinished area under kitchen cabinet that may indicate past or ongoing water damage to subfloor.",
"Seller disclosure: two rear additions and 'a few other areas' need repairs (unseen; could contain hidden safety or structural issues).",
"No carbon monoxide alarm visible in provided photos; presence/operation must be verified.",
"GFCI protection in kitchen/bathrooms not verifiable from photos — required for NSPIRE compliance and safety."
],
"confidence": 0.86,
"assumptions": [
"Central HVAC is operational because ceiling vents/returns are visible; no separate heating unit was photographed.",
"Smoke detector shown is functional; batteries/status not verified.",
"Electrical panel is intact and code-compliant (not photographed).",
"Bedrooms have code-compliant egress windows (sizes not measurable from photos).",
"Water heater and hot water supply are present and supplying hot water (not photographed).",
"Exposed area under kitchen cabinet represents missing toe-kick and possibly localized subfloor damage rather than full structural failure.",
"Rear additions mentioned in listing are accessible areas that need repair but are not demonstrably collapsed or severely structurally compromised from available photos."
],
"score_method": "mean_of_criteria",
"overall_score": 69.3,
"rubric_version": "ns-2026-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7399381649"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.