Property ID: 7415623669
6600 4th Ave S, Birmingham, AL, 35212
Birmingham, AL
Money Down: $26,616
CoC Return: 2.74%
Monthly Cash Flow: $61
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,180
Closing Costs
$4,436
Total Down
$26,616
Investment Snapshot
Purchase Price
$110,900
Money Down
$26,616
Cash-on-Cash Return
2.74%
Rent
$940
Monthly Cash Flow
$61
Annual Cash Flow
$730
Debt Service / Mo
$590
Property Tax / Mo
$134
Insurance / Mo
$61
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$940
Payment Standard
$1,408
Rent
$940
Insurance
$61
Property Tax
$134
Management
$94
Utilities Allowance
$468
NOI (Monthly)
$651
Debt Service
$590
Cash Flow After Debt
$61
Quality Score: 68.90%
Confidence: 94.00%
Overall the home appears rentable with minor-to-moderate repairs. The structure and exterior look sound (roof appears in good shape, foundation and siding OK), interior shows mostly cosmetic repairs, and basic appliances are present. Primary inspection risks are unverified major systems (HVAC, water heater, electrical panel), some ceiling patching that suggests prior water intrusion, potential absence of kitchen GFCI and no visible CO alarm. With targeted verification and small repairs (GFCI, CO alarm, finish work, confirm HVAC and hot water), this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$468
Guaranteed Section 8 Rent (PS - Utilities)
$940
Property Management
$94
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,900
Beds
3
Baths
1
Living Area
950 sqft
Lot Size
12,632 sqft
Year Built
1952
Days on Market
42
Capital Outlay
$26,616
Debt Service
$590
Property Tax / Mo
$134
Insurance / Mo
$61
Property Description
Located at 6600 4th Avenue South in Birmingham, this charming home offers a great opportunity for a future homeowner ready to add personal touches and build long-term value. Built in the early 1950s, the home features three bedrooms and one full bathroom with a functional layout. The eat-in kitchen provides comfortable dining space and includes the option for additional pantry or storage space located just off the kitchen. A large deck extends the living area outdoors and overlooks a fenced-in backyard, ideal for entertaining, pets, or relaxation. Situated on a spacious corner lot, the property offers ample outdoor space and flexibility. With updates and vision, this home is a great canvas in an established neighborhood with growing potential.
Utility Allowances
Heating
$49
Property has a 'Gas Water Heater', indicating gas service is available. Assumed gas is also used for 'Central' heating. The specific gas provider is not listed; per the rules, the most expensive option ('N'Gas: Mulga') was selected.
Water Heating
$45
Property details specify 'Gas Water Heater'. For consistency, the same provider as heating ('N'Gas: Mulga') was selected as the most expensive option.
Cooking
$21
Property details specify 'Stove-Electric'. 'Ala Power' is the most common electricity provider for Birmingham and the most expensive electric option.
Cooling
$22
Property details list 'Central Air,' which is electric. 'Alabama Power' was selected as the most probable provider for a property in Birmingham.
Other Electric
$68
This covers general electric use. The refrigerator is assumed to be tenant-owned. 'Ala Power' was selected for consistency with other electric utilities.
Water
$78
Property has 'Public Water' and is located in Birmingham. The 'Water: Birmingham' schedule option was selected to match.
Sewer
$151
Property details state 'Sewer: Connected'. The standard fixed allowance was applied.
Trash Collection
$20
The property is in Birmingham, which is in Jefferson County. This was the most geographically relevant option on the schedule.
Refrigerator
$8
The property information does not state a refrigerator is provided, so the tenant-owned appliance allowance is included.
Range/Microwave
$6
The property information does not state a microwave is provided, so the tenant-owned appliance allowance is included.
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$592
DP3 Annual Estimate$879
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$73
Replacement Value$66,000
Basis950 sqft / 1952
Nearby Houses
Photo unavailable
6612 4th Ave S
sold · 0.03 mi
Price: $180,000
4 bd / 2 ba · 1,788 sqft
Latest sale: $180,000 on Apr 30, 2021
Latest rent: —
Photo unavailable
6616 4th Ave S
sold · 0.04 mi
Price: $105,000
3 bd / 1 ba · 1,311 sqft
Latest sale: $105,000 on Sep 26, 2025
Latest rent: —
Photo unavailable
400 66th St S
sold · 0.04 mi
Price: $164,000
3 bd / 2 ba · 2,111 sqft
Latest sale: $164,000 on Jan 03, 2022
Latest rent: $850 on Feb 25, 2017
Photo unavailable
6615 4th Ave S
sold · 0.04 mi
Price: $139,900
3 bd / 1 ba · 1,074 sqft
Latest sale: $139,900 on Nov 13, 2023
Latest rent: —
Photo unavailable
6624 S 4th Ave
for_sale · 0.07 mi
Price: $114,900
3 bd / 1 ba · 996 sqft
Latest sale: $127,000 on Feb 11, 2022
Latest rent: $1,095 on May 09, 2023
Photo unavailable
301 66th St S
sold · 0.10 mi
Price: $114,000
4 bd / 2 ba · 3,134 sqft
Latest sale: $114,000 on Jan 30, 2024
Latest rent: $850 on Jul 24, 2013
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Kitchen range is electric and appears operable based on appearance; there is no visible gas range or gas piping in photos.
- A forced-air HVAC system exists because floor supply/return vents are visible; the HVAC unit (furnace/AC) location and operational status were not shown and are unverified.
- Water heater, electrical panel and bathroom(s) were not photographed; functionality is assumed but unconfirmed.
- Deck and fenced backyard referenced in listing are present (red deck is visible from interior window), but deck structural condition was not independently inspected in photos.
- Front door lockset condition (deadbolt) is not clearly visible; assume a basic lock exists but deadbolt may need verification or replacement.
- Kitchen outlets do not show GFCI in photos; assume GFCI protection may be missing or not visible and should be confirmed/repaired if absent.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,557 | $107,400 | $21,480 |
| 2023 | $1,557 | $107,400 | $21,480 |
| 2022 | $1,135 | $78,300 | $15,660 |
| 2021 | $1,073 | $74,000 | $14,800 |
| 2020 | $1,073 | $74,000 | $14,800 |
| 2019 | $1,073 | $74,000 | $14,800 |
| 2018 | $952 | $65,700 | $13,140 |
| 2017 | $952 | $65,700 | $13,140 |
| 2016 | $952 | $65,700 | $13,140 |
| 2015 | $952 | $65,700 | $13,140 |
| 2013 | $917 | $64,900 | $12,980 |
| 2012 | $917 | $64,860 | $12,972 |
| 2011 | $928 | $65,700 | $13,140 |
| 2010 | $899 | $63,600 | $12,720 |
| 2009 | $899 | $63,600 | $12,720 |
| 2008 | $914 | $64,700 | $12,940 |
| 2007 | $903 | $63,900 | $12,780 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2017-06-15 | Sold | $14,000 |
| 2003-01-08 | Sold | $52,650 |
Photo Gallery
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"total": 64900,
"building": 38500
},
"assessment": {
"land": null,
"total": 12980,
"building": null
}
},
{
"tax": 917,
"year": 2012,
"market": {
"land": 26360,
"total": 64860,
"building": 38500
},
"assessment": {
"land": 5272,
"total": 12972,
"building": 7700
}
},
{
"tax": 928,
"year": 2011,
"market": {
"land": 26400,
"total": 65700,
"building": 39300
},
"assessment": {
"land": 5280,
"total": 13140,
"building": 7860
}
},
{
"tax": 899,
"year": 2010,
"market": {
"land": 24300,
"total": 63600,
"building": 39300
},
"assessment": {
"land": 4860,
"total": 12720,
"building": 7860
}
},
{
"tax": 899,
"year": 2009,
"market": {
"land": 24300,
"total": 63600,
"building": 39300
},
"assessment": {
"land": 4860,
"total": 12720,
"building": 7860
}
},
{
"tax": 914,
"year": 2008,
"market": {
"land": 24300,
"total": 64700,
"building": 40400
},
"assessment": {
"land": 4860,
"total": 12940,
"building": 8080
}
},
{
"tax": 903,
"year": 2007,
"market": {
"land": 24300,
"total": 63900,
"building": 39600
},
"assessment": {
"land": 4860,
"total": 12780,
"building": 7920
}
}
],
"property_history": [
{
"date": "2026-01-04",
"price": 110900,
"listing": {
"status": "for_sale",
"list_date": "2026-01-04T23:15:31Z",
"list_price": 110900,
"listing_id": "2989976415",
"last_update_date": "2026-02-16T01:57:00Z",
"last_status_change_date": "2026-01-04T23:15:31Z"
},
"event_name": "Listed",
"price_sqft": 116.73684210526316,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21439890",
"price_change_percentage": "+692.14%"
},
{
"date": "2017-06-15",
"price": 14000,
"listing": {
"status": "off_market",
"list_date": "2017-01-23T07:00:00Z",
"list_price": 22900,
"listing_id": "617380255",
"last_update_date": "2017-07-03T05:27:00Z",
"last_status_change_date": "2017-06-15T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": 14.736842105263158,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "143 days",
"source_listing_id": "772556",
"price_change_percentage": "-38.86%"
},
{
"date": "2017-01-23",
"price": 22900,
"listing": {
"status": "off_market",
"list_date": "2017-01-23T07:00:00Z",
"list_price": 22900,
"listing_id": "617380255",
"last_update_date": "2017-07-03T05:27:00Z",
"last_status_change_date": "2017-06-15T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 24.105263157894736,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "772556",
"price_change_percentage": "-$100"
},
{
"date": "2003-04-17",
"price": 23000,
"listing": {
"status": "sold",
"list_date": "2003-03-19T07:00:00Z",
"list_price": 25000,
"listing_id": "541879535",
"last_update_date": "2003-04-18T06:02:31Z",
"last_status_change_date": "2003-04-17T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -2000,
"days_after_listed": "29 days",
"source_listing_id": "201920",
"price_change_percentage": "-8.00%"
},
{
"date": "2003-03-19",
"price": 25000,
"listing": {
"status": "sold",
"list_date": "2003-03-19T07:00:00Z",
"list_price": 25000,
"listing_id": "541879535",
"last_update_date": "2003-04-18T06:02:31Z",
"last_status_change_date": "2003-04-17T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "201920",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7415623669",
"generated_at": "2026-02-16T02:53:19.133028Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.9
},
"utility_allowance": {
"zip_code": "35212",
"home_photo": "https://ap.rdcpix.com/219c914317763fa69a5b200327041630l-m4160101280s-w1280.jpg",
"rent_price": 940.0,
"loan_amount": 88720.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/6600-4th-Ave-S_Birmingham_AL_35212_M74156-23669",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 110900.0,
"loan_term_years": 30,
"annual_cash_flow": 7812.79,
"mortgage_monthly": 590.26,
"payment_standard": 1408.0,
"total_amount_out": 22180.0,
"additional_photos": [
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"https://ap.rdcpix.com/219c914317763fa69a5b200327041630l-m2030312304s-w1280.jpg",
"https://ap.rdcpix.com/219c914317763fa69a5b200327041630l-m399478307s-w1280.jpg",
"https://ap.rdcpix.com/219c914317763fa69a5b200327041630l-m3461107571s-w1280.jpg",
"https://ap.rdcpix.com/219c914317763fa69a5b200327041630l-m1247363844s-w1280.jpg",
"https://ap.rdcpix.com/219c914317763fa69a5b200327041630l-m3160583481s-w1280.jpg",
"https://ap.rdcpix.com/219c914317763fa69a5b200327041630l-m3433420373s-w1280.jpg",
"https://ap.rdcpix.com/219c914317763fa69a5b200327041630l-m2052431944s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 61.29,
"monthly_cash_flow": 651.07,
"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 a 'Gas Water Heater', indicating gas service is available. Assumed gas is also used for 'Central' heating. The specific gas provider is not listed; per the rules, the most expensive option ('N'Gas: Mulga') was selected.",
"utility": "Heating",
"allowance": 49
},
{
"note": "Property details specify 'Gas Water Heater'. For consistency, the same provider as heating ('N'Gas: Mulga') was selected as the most expensive option.",
"utility": "Water Heating",
"allowance": 45
},
{
"note": "Property details specify 'Stove-Electric'. 'Ala Power' is the most common electricity provider for Birmingham and the most expensive electric option.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property details list 'Central Air,' which is electric. 'Alabama Power' was selected as the most probable provider for a property in Birmingham.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "This covers general electric use. The refrigerator is assumed to be tenant-owned. 'Ala Power' was selected for consistency with other electric utilities.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has 'Public Water' and is located in Birmingham. The 'Water: Birmingham' schedule option was selected to match.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details state 'Sewer: Connected'. The standard fixed allowance was applied.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is in Birmingham, which is in Jefferson County. This was the most geographically relevant option on the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property information does not state a refrigerator is provided, so the tenant-owned appliance allowance is included.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property information does not state a microwave is provided, so the tenant-owned appliance allowance is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.35,
"down_payment_amount": 22180.0,
"property_tax_annual": 1603.71,
"property_tax_monthly": 133.64,
"property_tax_increase": 0.03,
"utility_allowance_total": 468.0,
"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": 729.71,
"property_management_monthly": 94.0,
"monthly_cash_flow_after_debt": 60.81,
"cash_on_cash_return_after_debt": 0.03
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the home appears rentable with minor-to-moderate repairs. The structure and exterior look sound (roof appears in good shape, foundation and siding OK), interior shows mostly cosmetic repairs, and basic appliances are present. Primary inspection risks are unverified major systems (HVAC, water heater, electrical panel), some ceiling patching that suggests prior water intrusion, potential absence of kitchen GFCI and no visible CO alarm. With targeted verification and small repairs (GFCI, CO alarm, finish work, confirm HVAC and hot water), this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior photos show generally intact finishes (hardwood floors, painted walls) with cosmetic wear, scuffing, stained/uneven floor patches, patched/uneven ceilings and some missing cabinet/base components under the kitchen sink. Kitchen has a working-looking electric range and a refrigerator present (both reduce appliance risk). No widespread collapsed finishes or exposed subfloor observed. These are mostly cosmetic and minor repair items that are readily addressed with moderate labor and material cost."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "A ceiling-mounted smoke alarm is visible in bedroom photos (good). Windows in bedrooms appear to provide egress. No exposed wiring or obvious broken stairs/handrails at the front entrance (handrail present). However there are concerns: ceiling patching in multiple locations suggests prior water intrusion (needs verification), kitchen outlets do not show obvious GFCI protection, no carbon monoxide alarm is visible in photos, and deadbolt/secure-lock evidence on the exterior door is not confirmed from images. These items are fixable but present moderate inspection risk until verified/repaired."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 60.0,
"rationale": "Roof appears recently shingled and in good visible condition from the front. Floor registers indicate a central forced-air system likely exists but the HVAC unit is not shown (operational status unverified). Electrical panel and water heater are not pictured so functionality is assumed but unconfirmed. Kitchen plumbing fixtures visible but cabinet under-sink area is incomplete which may indicate recent work. Because key systems are not documented in photos, score is reduced for unknown operational condition even though no active failure is visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Exterior facade, siding and roofline appear intact and the foundation (painted block) shows no obvious large cracks in the provided front view. Property sits on a corner lot with a fenced yard and a visible deck (red deck seen from interior window) which is a positive amenity. Walkway has minor cracking and front steps/metal railings show surface wear but appear serviceable. Yard is maintained; no standing water or visible infestation evidence in photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Kitchen range is electric and appears operable based on appearance; there is no visible gas range or gas piping in photos.",
"A forced-air HVAC system exists because floor supply/return vents are visible; the HVAC unit (furnace/AC) location and operational status were not shown and are unverified.",
"Water heater, electrical panel and bathroom(s) were not photographed; functionality is assumed but unconfirmed.",
"Deck and fenced backyard referenced in listing are present (red deck is visible from interior window), but deck structural condition was not independently inspected in photos.",
"Front door lockset condition (deadbolt) is not clearly visible; assume a basic lock exists but deadbolt may need verification or replacement.",
"Kitchen outlets do not show GFCI in photos; assume GFCI protection may be missing or not visible and should be confirmed/repaired if absent."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/1BA bungalow appears largely rentable with mostly cosmetic and minor-systems items to address. The property shows a sound exterior and roof, working-looking kitchen appliances, functioning lighting and floor vents, and intact windows/egress. Expected NSPIRE issues likely would be: install/verify GFCI protection in kitchen, confirm and/or add CO alarm where required, touch up ceiling repairs and kitchen cabinetry/counter finishes, verify HVAC and hot water operation, and confirm secure locks. With 1–3 weeks of targeted repairs/verification this should be rent-ready for a Housing Choice Voucher tenant; allow additional time if mechanical systems require service or if the kitchen/bath plumbing reveals hidden issues.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows generally serviceable finishes with wear: hardwood floors have stains/finish wear but appear intact, ceilings show patching/uneven seams especially over kitchen (cosmetic, possible prior repair), kitchen base cabinet under sink missing face/trim and countertop is damaged. Appliances (range and refrigerator) are present which mitigates appliance deductions. No visible collapsed surfaces or exposed subfloor. Overall cosmetic and limited carpentry/cabinet work required; moderate but straightforward repairs."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 70.0,
"rationale": "Observed positives: at least one smoke detector visible on a bedroom ceiling, windows in bedrooms provide apparent egress, front entry has metal handrails on the steps. Observed risks: no carbon monoxide detector visible in photos, no obvious GFCI outlet in kitchen (kitchen outlets visible but appear standard), kitchen sink area finishes are incomplete which could conceal plumbing issues. No exposed high-voltage wiring or obvious electrical hazards seen. These are fixable but are NSPIRE inspection items likely to require minor corrections (install GFCI, add CO alarm if required, verify deadbolt/secure locks)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Roof appears recently shingled and in good visible condition. HVAC presence is inferred from a wall thermostat and floor vents but no equipment was photographed; heating/cooling operational status unknown. Water heater and electrical panel are not shown. Plumbing fixtures appear present but bathroom photos are missing so hot water and drain function cannot be confirmed. Given visible vents/thermostat, basic mechanical systems likely present but unverified — this reduces score due to uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior siding and foundation block appear intact with no visible major cracks or settlement. Front steps have railings, fenced yard is present per listing and photos (corner lot). Roof visually looks in good shape. Walkway shows minor cracking and yard maintenance is basic but acceptable. Large deck referenced in listing not fully shown but a deck railing glimpses through window area; deck condition not documented. No visible standing water or major site drainage issues in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"HVAC system exists and is served by the visible thermostat and floor vents; operation has not been tested in photos.",
"Water heater and electrical panel are present in the home but were not photographed; assumed serviceable unless inspection finds otherwise.",
"Kitchen appliances shown (electric range and refrigerator) are included and operable or easily made operable.",
"Bedrooms have compliant egress based on double-hung windows visible in photos; exact opening sizes not measured.",
"No active roof leaks or major hidden structural damage exist — roof appears recently replaced from exterior photo.",
"Deck exists (listing text and window view) but condition is unknown and not factored beyond being present."
],
"overall_score": 70.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed/1-bath bungalow shows sound structure and a recently maintained roof, present kitchen appliances, intact windows and finished hardwood floors. Primary issues are cosmetic and moderate repairs: kitchen cabinetry/counter work, ceiling patching, paint and some floor refinishing. Safety/system items to verify before a voucher inspection include: full complement and placement of smoke/CO detectors, GFCI protection in kitchen/bath, and operation of HVAC and hot water. No visible major structural or life‑safety failures were observed, so the property is likely to pass an initial HCV inspection after addressing detector coverage and completing modest repairs (estimated rent‑ready within ~2–4 weeks if systems are working; up to 30 days if minor system servicing is required).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Interior appears generally intact with solid hardwood floors through most rooms and functioning interior doors. Cosmetic and finish deficiencies are visible: ceiling seam/patching in multiple rooms, scuffed/uneven paint, some floor staining, and kitchen cabinet/counter damage (missing cabinet front and damaged counter edge). Appliances (range and refrigerator) are present but cabinets/trim need repair. These are mostly easy-to-fix cosmetic/cabinetry items and replacement/repair work rather than structural. Estimated moderate scope of work (patch & paint, cabinet repair, minor floor touch-up)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed live wiring). A smoke detector is visible in one bedroom/ceiling area, but additional detectors and a CO alarm are not evident in photos — NSPIRE typically requires smoke detectors for sleeping areas and hallways and CO alarms where required locally. Entry appears secure but deadbolt presence is not clearly shown. Kitchen wiring/outlets appear covered but GFCI protection at kitchen is not confirmed. Ceiling seam/patching suggests prior water intrusion that should be confirmed repaired. Bedrooms show adequate egress windows. Overall low-to-moderate safety risk but likely requires verification/installation of additional detectors and possible minor electrical GFCI work."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 65.0,
"rationale": "Roof appears recently shingled and in good visible condition. Floor vents and a small wall control suggest a forced-air HVAC system exists, but no furnace/AC or water heater photos were provided so operational status is unconfirmed. Electrical panel and water heater not visible. Kitchen plumbing fixture and stove are present; full bathroom not shown but listing states one full bath. Because systems are present by inference but unverified for operation and safety, score reflects likely functional systems but the need to confirm HVAC operation, hot water, and electrical panel condition."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Exterior photos show intact siding, painted block foundation, an apparently new or recently replaced roof, a fenced yard and a concrete walkway to the porch. Front steps have a metal handrail on at least one side. No visible major foundation cracks, standing water, or exterior structural sagging. Driveway/yard show normal wear. Listing mentions a large deck (not fully photographed) and fenced yard which are positive for rental use. Overall exterior condition is above-average and low risk for initial inspection."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement that the property has one full bathroom is accurate though the bathroom was not photographed.",
"Floor vents and a visible wall control/thermostat indicate a forced-air HVAC system is present and assumed operational unless inspection finds otherwise.",
"Electrical service and panel are standard and intact; no exposed wiring was visible in photos so no major electrical hazards are assumed but panel was not seen.",
"Water heater and hot water supply are present and functional (not pictured).",
"Windows with stickers are recent replacements and provide adequate egress where located.",
"Deck and fenced yard noted in listing exist and are in serviceable condition though the deck was not fully photographed.",
"Absence of visible mold, standing water, or major foundation cracks in photos reflects actual condition (hidden issues possible but none evident)."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6600 4th Ave S, Birmingham, AL, 35212",
"aggregate": {
"summary": "Overall the home appears rentable with minor-to-moderate repairs. The structure and exterior look sound (roof appears in good shape, foundation and siding OK), interior shows mostly cosmetic repairs, and basic appliances are present. Primary inspection risks are unverified major systems (HVAC, water heater, electrical panel), some ceiling patching that suggests prior water intrusion, potential absence of kitchen GFCI and no visible CO alarm. With targeted verification and small repairs (GFCI, CO alarm, finish work, confirm HVAC and hot water), this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior photos show generally intact finishes (hardwood floors, painted walls) with cosmetic wear, scuffing, stained/uneven floor patches, patched/uneven ceilings and some missing cabinet/base components under the kitchen sink. Kitchen has a working-looking electric range and a refrigerator present (both reduce appliance risk). No widespread collapsed finishes or exposed subfloor observed. These are mostly cosmetic and minor repair items that are readily addressed with moderate labor and material cost."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 78.3,
"rationale": "Exterior facade, siding and roofline appear intact and the foundation (painted block) shows no obvious large cracks in the provided front view. Property sits on a corner lot with a fenced yard and a visible deck (red deck seen from interior window) which is a positive amenity. Walkway has minor cracking and front steps/metal railings show surface wear but appear serviceable. Yard is maintained; no standing water or visible infestation evidence in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 66.7,
"rationale": "A ceiling-mounted smoke alarm is visible in bedroom photos (good). Windows in bedrooms appear to provide egress. No exposed wiring or obvious broken stairs/handrails at the front entrance (handrail present). However there are concerns: ceiling patching in multiple locations suggests prior water intrusion (needs verification), kitchen outlets do not show obvious GFCI protection, no carbon monoxide alarm is visible in photos, and deadbolt/secure-lock evidence on the exterior door is not confirmed from images. These items are fixable but present moderate inspection risk until verified/repaired."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 63.3,
"rationale": "Roof appears recently shingled and in good visible condition from the front. Floor registers indicate a central forced-air system likely exists but the HVAC unit is not shown (operational status unverified). Electrical panel and water heater are not pictured so functionality is assumed but unconfirmed. Kitchen plumbing fixtures visible but cabinet under-sink area is incomplete which may indicate recent work. Because key systems are not documented in photos, score is reduced for unknown operational condition even though no active failure is visible."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Kitchen range is electric and appears operable based on appearance; there is no visible gas range or gas piping in photos.",
"A forced-air HVAC system exists because floor supply/return vents are visible; the HVAC unit (furnace/AC) location and operational status were not shown and are unverified.",
"Water heater, electrical panel and bathroom(s) were not photographed; functionality is assumed but unconfirmed.",
"Deck and fenced backyard referenced in listing are present (red deck is visible from interior window), but deck structural condition was not independently inspected in photos.",
"Front door lockset condition (deadbolt) is not clearly visible; assume a basic lock exists but deadbolt may need verification or replacement.",
"Kitchen outlets do not show GFCI in photos; assume GFCI protection may be missing or not visible and should be confirmed/repaired if absent."
],
"score_method": "mean_of_criteria",
"overall_score": 68.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7415623669"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.