Property ID: 7425831389
704 9th Ct W, Birmingham, AL, 35204
Birmingham, AL
Money Down: $25,333
CoC Return: 8.76%
Monthly Cash Flow: $185
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,111
Closing Costs
$4,222
Total Down
$25,333
Investment Snapshot
Purchase Price
$105,556
Money Down
$25,333
Cash-on-Cash Return
8.76%
Rent
$967
Monthly Cash Flow
$185
Annual Cash Flow
$2,219
Debt Service / Mo
$562
Property Tax / Mo
$69
Insurance / Mo
$54
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$967
Payment Standard
$1,408
Rent
$967
Insurance
$54
Property Tax
$69
Management
$97
Utilities Allowance
$441
NOI (Monthly)
$747
Debt Service
$562
Cash Flow After Debt
$185
Quality Score: 69.80%
Confidence: 86.00%
Based on exterior photos and listing text, this single-family home appears generally well maintained and likely qualifies as a minor-repair property for Section 8/NSPIRE—probable pass after basic interior checks and minor repairs. Key unknowns (smoke/CO detectors, GFCI, HVAC condition, water heater, interior condition and appliances) require verification; with those confirmed functional or easily remedied, the property is likely rent-ready within 30 days.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$441
Guaranteed Section 8 Rent (PS - Utilities)
$967
Property Management
$97
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$105,556
Beds
3
Baths
1
Living Area
1,502 sqft
Lot Size
6,534 sqft
Year Built
1940
Days on Market
98
Capital Outlay
$25,333
Debt Service
$562
Property Tax / Mo
$69
Insurance / Mo
$54
Property Description
Property is part of a 9 door portfolio. One of the 9 is a townhome. Properties are to be sold together and not broken up into individual sales. All information available in MLS documents tab. Properties are currently under management with a local property management company.
Utility Allowances
heating
$38
Property information specifies 'Natural Gas' heating. Spire is selected as the most likely provider for a Birmingham address.
cooling
$22
Property information specifies 'Electric' cooling. Alabama Power is selected as the most likely provider for a Birmingham address.
water_heating
$35
Property information specifies 'Gas (WTRHTR)', indicating a natural gas water heater. Spire is the assumed provider.
cooking
$15
No cooking appliance is listed as provided. Natural gas is used for heating and water heating, making a gas stove the most probable tenant choice. Spire is the assumed provider.
other_electric
$68
This allowance covers general household electric use (lights, outlets). Alabama Power is the assumed provider based on the home's location.
water
$78
Property information specifies 'Public Water' in Birmingham. The schedule provides a specific rate for the City of Birmingham.
sewer
$151
Property information specifies it is 'Sewer: Connected'. The allowance is based on the fixed rate for a 3-bedroom unit.
trash_collection
$20
Trash collection is assumed for a single-family home. 'Jefferson City' is selected as the most appropriate generic option for a Birmingham address from the schedule.
refrigerator
$8
The property information does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned.
range_microwave
$6
The property information does not explicitly state a range or microwave is provided, so they are 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$516
DP3 Annual Estimate$784
DP1 Monthly Equivalent$43
DP3 Monthly Equivalent$65
Replacement Value$49,100
Basis1,502 sqft / 1940
Nearby Houses
Photo unavailable
710 9th Ct W
sold · 0.03 mi
Price: $78,000
3 bd / 1 ba · 1,330 sqft
Latest sale: $78,000 on May 03, 2021
Latest rent: —
Photo unavailable
617 10th Ave W
sold · 0.03 mi
Price: $51,000
2 bd / 1 ba · 966 sqft
Latest sale: $51,000 on Aug 15, 2019
Latest rent: $650 on Jul 19, 2014
Photo unavailable
925 7th St W
sold · 0.04 mi
Price: $55,000
3 bd / 1 ba · 1,116 sqft
Latest sale: $55,000 on Aug 12, 2020
Latest rent: —
Photo unavailable
924 7th St W
sold · 0.04 mi
Price: $129,500
3 bd / 1 ba · 2,481 sqft
Latest sale: $129,500 on Oct 23, 2020
Latest rent: —
Photo unavailable
924 6th St W
sold · 0.06 mi
Price: $125,000
2 bd / 1 ba · 2,640 sqft
Latest sale: $125,000 on Oct 31, 2025
Latest rent: —
Photo unavailable
913 7th St W
sold · 0.07 mi
Price: $199,000
3 bd / 2 ba · 1,672 sqft
Latest sale: $199,000 on Aug 15, 2022
Latest rent: —
Photo unavailable
649 10th Ave W
sold · 0.07 mi
Price: $95,000
3 bd / 2 ba · 1,969 sqft
Latest sale: $95,000 on Jun 23, 2020
Latest rent: —
Photo unavailable
910 7th St W
sold · 0.08 mi
Price: $229,900
4 bd / 3 ba · 2,944 sqft
Latest sale: $229,900 on Nov 07, 2024
Latest rent: $1,600 on Apr 26, 2024
Photo unavailable
933 6th St W
for_sale · 0.08 mi
Price: $60,000
2 bd / 2 ba · 1,392 sqft
Latest sale: —
Latest rent: —
Photo unavailable
908 6th St W
sold · 0.09 mi
Price: $25,000
3 bd / 2 ba · 1,304 sqft
Latest sale: $25,000 on Aug 31, 2018
Latest rent: $1,200 on Apr 20, 2025
Photo unavailable
900 7th St W Lot 1
for_sale · 0.10 mi
Price: $19,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
901 7th St W
sold · 0.10 mi
Price: $180,000
4 bd / 2 ba · 1,634 sqft
Latest sale: $180,000 on Aug 12, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos and system photos (HVAC, water heater, electrical panel) were not provided; assume systems exist but their operational status is unknown.
- Property is currently managed by a local property manager (listing says under management), so basic maintenance likely performed but not guaranteed.
- No evidence of active roof leaks or structural sagging from exterior photos; assume roof is watertight.
- Smoke detectors, carbon monoxide alarms, GFCI protection and deadbolt locks were not visible; assume some may be missing or need replacement and factor that into safety score.
- Appliances (stove, refrigerator) are not shown; assume they may be present but could require servicing or replacement—treated as moderate repair items.
- No evidence of severe mold, infestation, or standing water was visible from exterior shots; assume none present but recommend interior inspection to confirm.
- Rental history in last 5 years shows no events; therefore rental_history_activity criterion was excluded from scoring.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $809 | $55,700 | $11,140 |
| 2023 | $809 | $55,800 | $11,160 |
| 2022 | $609 | $42,000 | $8,400 |
| 2021 | $613 | $42,300 | $8,460 |
| 2020 | $613 | $42,300 | $8,460 |
| 2019 | $613 | $42,300 | $8,460 |
| 2018 | $523 | $36,100 | $7,220 |
| 2017 | $520 | $35,900 | $7,180 |
| 2016 | $520 | $35,900 | $7,180 |
| 2015 | $520 | $35,900 | $7,180 |
| 2013 | $372 | $35,200 | $7,040 |
| 2012 | $371 | $63,100 | $6,310 |
| 2011 | $379 | $64,200 | $6,420 |
| 2010 | $379 | $64,200 | $6,420 |
| 2009 | $379 | $64,200 | $6,420 |
| 2008 | $390 | $65,800 | $6,580 |
| 2007 | $379 | $64,200 | $6,420 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2013-11-26 | Sold | $15,300 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2014-03-05 | Listed for rent | $800 | — |
Photo Gallery
Show raw JSON (debug)
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"total": 6420,
"building": 5760
}
},
{
"tax": 379,
"year": 2009,
"market": {
"land": 6600,
"total": 64200,
"building": 57600
},
"assessment": {
"land": 660,
"total": 6420,
"building": 5760
}
},
{
"tax": 390,
"year": 2008,
"market": {
"land": 6600,
"total": 65800,
"building": 59200
},
"assessment": {
"land": 660,
"total": 6580,
"building": 5920
}
},
{
"tax": 379,
"year": 2007,
"market": {
"land": 5700,
"total": 64200,
"building": 58500
},
"assessment": {
"land": 570,
"total": 6420,
"building": 5850
}
}
],
"property_history": [
{
"date": "2025-11-10",
"price": 105556,
"listing": {
"status": "for_sale",
"list_date": "2025-11-10T20:02:00Z",
"list_price": 105556,
"listing_id": "2988412883",
"last_update_date": "2026-02-16T01:41:58Z",
"last_status_change_date": "2025-11-10T20:02:00Z"
},
"event_name": "Listed",
"price_sqft": 70.27696404793609,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21436380",
"price_change_percentage": "-87.94%"
},
{
"date": "2022-12-30",
"price": 875000,
"listing": null,
"event_name": "Sold",
"price_sqft": 582.5565912117177,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2014-04-11",
"price": 800,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 800,
"listing_id": "580684803",
"last_update_date": "2014-05-14T23:39:26Z",
"last_status_change_date": "2014-04-11T12:33:37Z"
},
"event_name": "Listing removed",
"price_sqft": 0.5326231691078562,
"source_name": "Appfolio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "9c465848-d342-4446-b3a0-763b557eafef",
"price_change_percentage": null
},
{
"date": "2014-03-05",
"price": 800,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 800,
"listing_id": "580684803",
"last_update_date": "2014-05-14T23:39:26Z",
"last_status_change_date": "2014-04-11T12:33:37Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.5326231691078562,
"source_name": "Appfolio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "9c465848-d342-4446-b3a0-763b557eafef",
"price_change_percentage": null
},
{
"date": "2013-12-06",
"price": 9900,
"listing": {
"status": "sold",
"list_date": "2013-10-30T07:00:00Z",
"list_price": 9900,
"listing_id": "575720179",
"last_update_date": "2013-11-08T04:58:41Z",
"last_status_change_date": "2013-11-07T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "37 days",
"source_listing_id": "579894",
"price_change_percentage": "$0"
},
{
"date": "2013-10-30",
"price": 9900,
"listing": {
"status": "sold",
"list_date": "2013-10-30T07:00:00Z",
"list_price": 9900,
"listing_id": "575720179",
"last_update_date": "2013-11-08T04:58:41Z",
"last_status_change_date": "2013-11-07T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "579894",
"price_change_percentage": null
},
{
"date": "2012-12-15",
"price": 59000,
"listing": {
"status": "off_market",
"list_date": "2011-12-28T07:00:00Z",
"list_price": 59000,
"listing_id": "544000203",
"last_update_date": "2012-12-16T06:26:00Z",
"last_status_change_date": "2012-12-16T06:26:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "353 days",
"source_listing_id": "518485",
"price_change_percentage": null
},
{
"date": "2012-06-15",
"price": 59000,
"listing": {
"status": "off_market",
"list_date": "2011-12-28T07:00:00Z",
"list_price": 59000,
"listing_id": "544000203",
"last_update_date": "2012-12-16T06:26:00Z",
"last_status_change_date": "2012-12-16T06:26:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -5900,
"days_after_listed": null,
"source_listing_id": "518485",
"price_change_percentage": null
},
{
"date": "2011-12-28",
"price": 64900,
"listing": {
"status": "off_market",
"list_date": "2011-12-28T07:00:00Z",
"list_price": 59000,
"listing_id": "544000203",
"last_update_date": "2012-12-16T06:26:00Z",
"last_status_change_date": "2012-12-16T06:26:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "518485",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7425831389",
"generated_at": "2026-02-16T02:16:26.845604Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 69.8
},
"utility_allowance": {
"zip_code": "35204",
"home_photo": "https://ap.rdcpix.com/03d823f6729abe839ee97d4b05ac200bl-m4179553112s-w1280.jpg",
"rent_price": 967.0,
"loan_amount": 84444.8,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/704-9th-Ct-W_Birmingham_AL_35204_M74258-31389",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 105556.0,
"loan_term_years": 30,
"annual_cash_flow": 8960.33,
"mortgage_monthly": 561.81,
"payment_standard": 1408.0,
"total_amount_out": 21111.2,
"additional_photos": [
"https://ap.rdcpix.com/03d823f6729abe839ee97d4b05ac200bl-m743593464s-w1280.jpg",
"https://ap.rdcpix.com/03d823f6729abe839ee97d4b05ac200bl-m2281152273s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 54.17,
"monthly_cash_flow": 746.69,
"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 information specifies 'Natural Gas' heating. Spire is selected as the most likely provider for a Birmingham address.",
"utility": "heating",
"allowance": 38
},
{
"note": "Property information specifies 'Electric' cooling. Alabama Power is selected as the most likely provider for a Birmingham address.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property information specifies 'Gas (WTRHTR)', indicating a natural gas water heater. Spire is the assumed provider.",
"utility": "water_heating",
"allowance": 35
},
{
"note": "No cooking appliance is listed as provided. Natural gas is used for heating and water heating, making a gas stove the most probable tenant choice. Spire is the assumed provider.",
"utility": "cooking",
"allowance": 15
},
{
"note": "This allowance covers general household electric use (lights, outlets). Alabama Power is the assumed provider based on the home's location.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property information specifies 'Public Water' in Birmingham. The schedule provides a specific rate for the City of Birmingham.",
"utility": "water",
"allowance": 78
},
{
"note": "Property information specifies it is 'Sewer: Connected'. The allowance is based on the fixed rate for a 3-bedroom unit.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Trash collection is assumed for a single-family home. 'Jefferson City' is selected as the most appropriate generic option for a Birmingham address from the schedule.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "The property information does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "The property information does not explicitly state a range or microwave is provided, so they are assumed to be tenant-owned.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.42,
"down_payment_amount": 21111.2,
"property_tax_annual": 833.27,
"property_tax_monthly": 69.44,
"property_tax_increase": 0.03,
"utility_allowance_total": 441.0,
"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": 2218.57,
"property_management_monthly": 96.7,
"monthly_cash_flow_after_debt": 184.88,
"cash_on_cash_return_after_debt": 0.11
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and listing text, this single-family home appears generally well maintained and likely qualifies as a minor-repair property for Section 8/NSPIRE—probable pass after basic interior checks and minor repairs. Key unknowns (smoke/CO detectors, GFCI, HVAC condition, water heater, interior condition and appliances) require verification; with those confirmed functional or easily remedied, the property is likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Exterior photos show a maintained facade, intact vinyl siding, a solid-looking metal roof, and a maintained porch. Landscaping is trimmed and no obvious exterior deferred maintenance is visible. Interior condition, appliances, flooring, cabinets, drywall and cosmetic issues cannot be confirmed from provided photos; absence of interior photos lowers confidence. Missing/unknown appliances and cosmetic issues are treated as moderate risk rather than catastrophic."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No visible exposed wiring, collapsed ceilings, foundation failure, active roof leaks, or severe trip hazards in photos. Porch has railings and main entry appears secure; however smoke/CO detectors, GFCI outlets, bedroom egress, deadbolt presence, water heater location, and interior electrical condition are not visible. Because those items are unknown but the exterior shows no life‑threatening hazards, I assign a moderate safety risk score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof appears to be a newer metal roof in good visual condition. Major systems (HVAC, water heater, service panel, plumbing) are not shown. The property being under local management suggests systems are functional, but lack of confirmation (no HVAC units, meter, panel or water heater photos) requires a conservative score to reflect potential repairs or replacement needs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Front yard, walkway and driveway are in serviceable condition; yard is mowed and property shows chain-link side fencing. No standing water, erosion, visible major foundation cracks, or roof sagging observed. Minor sidewalk cracking exists but not severe. Overall exterior and site conditions look well maintained."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Interior photos and system photos (HVAC, water heater, electrical panel) were not provided; assume systems exist but their operational status is unknown.",
"Property is currently managed by a local property manager (listing says under management), so basic maintenance likely performed but not guaranteed.",
"No evidence of active roof leaks or structural sagging from exterior photos; assume roof is watertight.",
"Smoke detectors, carbon monoxide alarms, GFCI protection and deadbolt locks were not visible; assume some may be missing or need replacement and factor that into safety score.",
"Appliances (stove, refrigerator) are not shown; assume they may be present but could require servicing or replacement—treated as moderate repair items.",
"No evidence of severe mold, infestation, or standing water was visible from exterior shots; assume none present but recommend interior inspection to confirm.",
"Rental history in last 5 years shows no events; therefore rental_history_activity criterion was excluded from scoring."
],
"overall_score": 68.0,
"rubric_version": "1.0"
},
{
"summary": "Curb appeal and exterior systems (notably a metal roof and maintained siding) look good and the property appears generally well-maintained from the outside. However, no interior photos or system access were provided, so critical NSPIRE items (smoke/CO alarms, GFCI outlets, bedroom egress, heating/cooling operation, hot water and electrical panel condition) could not be confirmed. Based on visible exterior condition plus reasonable assumptions about routine maintenance under current management, the property is likely to require only minor to moderate work to pass an initial HCV/NSPIRE inspection — roughly rent-ready within 2–6 weeks pending interior and systems verification and installation/repair of any missing detectors or GFCI outlets.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photographs show a well-kept front yard, painted porch, intact vinyl siding and no visible exterior structural damage. Porch decking and steps appear serviceable and landscaping is maintained. No interior photos provided so flooring, walls, kitchen and bathroom fixtures, and appliances could not be verified — missing/older appliances or interior cosmetic repairs would be expected but are not visible. Given visible curb appeal and only unknown interior condition, score reduced moderately for unseen interior items and potential appliance replacement."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 60.0,
"rationale": "No visible exposed wiring, loose guardrails, collapsed structure, or standing water from exterior photos. Front entry appears secure and porch has railings. However critical NSPIRE safety items (smoke detectors, carbon monoxide alarm, GFCI protection in kitchen/bath, bedroom egress window clearances, interior electrical panel condition, hot water, and plumbing function) are not visible in the photos. Because these are common failure points on older homes and cannot be confirmed, a moderate deduction was applied for inspection risk despite no overt exterior hazards."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Metal roof visible in photos appears intact and in good condition, which reduces risk of active roof leaks. Exterior does not show HVAC condenser, water heater, electrical meter/panel, or signs of plumbing failure; therefore system operation (heating/cooling, hot water, plumbing, electrical integrity) is unknown. As a 1940-built structure there is moderate risk of aged mechanical systems; absent inspection evidence these unknowns lower the score to a moderate level."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Front yard, walkway, driveway and porch present good curb appeal. Siding, trim and roof appear well-maintained; chain link side fence visible and intact. Walkway has minor cracking but no major trip hazards visible. Large trees close to the house are present (possible long-term roof/roots risk) but no immediate evidence of foundation failure or drainage issues from the provided photos. Overall exterior/site is in good condition with only minor maintenance likely."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.55,
"assumptions": [
"Interior condition (floors, walls, cabinets, fixtures) is not shown; assume fair to average condition due to maintained exterior and active property management.",
"No interior photos of kitchen/bath; assume appliances (stove/refrigerator) may be present but their condition is unknown.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or need batteries/repositioning to meet NSPIRE.",
"Electrical panel, circuit condition, and presence/function of GFCI outlets are unknown; assume potential need for minor electrical work (installation of GFCI in kitchen/bath) typical of older homes.",
"HVAC equipment and water heater are not pictured; assume systems exist but may be aged given 1940 construction—operational status unknown and could require service.",
"No obvious foundation settlement or roof leaks observed from photos; assume no major structural issues unless interior inspection reveals otherwise.",
"Property is under local management per listing, increasing likelihood preventative maintenance has been performed."
],
"overall_score": 68.0,
"rubric_version": "nsPIRE_v1.0_photo_assessment_2026-02"
},
{
"summary": "Overall the property appears to be in good exterior condition and is likely to pass an initial HCV/NSPIRE inspection after minor items are confirmed or corrected. Primary unknowns are interior safety items and major systems (HVAC, water heater, electrical/GFCI, smoke/CO detectors). If management can verify functioning heating, hot water, working plumbing, installed smoke/CO detectors, and safe electrical/GFCI outlets, the unit is likely rent-ready within 1-4 weeks. Budget modest remediation/verification of interior safety and mechanical systems prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Visible Repairs",
"score": 85.0,
"rationale": "Exterior photos show a well-kept single-family home: intact vinyl siding, painted trim, maintained lawn, an intact front porch with railings, and no obvious exterior damage. Sidewalk has minor cracking and driveway shows staining but no structural collapse. No interior photos provided so interior cosmetic condition is unknown; listing indicates property is under management which suggests basic upkeep. Missing appliances were not visible in provided photos; absence of visible major deferred maintenance reduces score only slightly."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 65.0,
"rationale": "No visible life‑threatening exterior hazards: porch has railings, walk path is present, yard is clear and no standing water is evident. Exterior shows no exposed wiring, visible roof appears intact, and windows are present. Critical NSPIRE items (smoke/CO detectors, GFCI in kitchen/bath, hot water, accessible electrical panel, bedroom egress compliance) cannot be confirmed from photos. Because the property is under professional management and there are no obvious exterior hazards, assume some basic safety items are present but expect inspector to require verification/possible installation of detectors/GFCIs. Potential lead‑based paint risk (house built 1940) should be considered for paint condition inside/outside."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Roof appears to be a standing‑seam metal roof in good visible condition, which is positive for roof integrity. No HVAC equipment, water heater, electrical panel, or plumbing fixtures are visible in provided photos, so system operability is unconfirmed. Because the home is actively managed (listing states under management) assume basic systems are operational but budget for inspection/repairs to HVAC, water heater, and electrical/GFCI upgrades. Unknown location/condition of heating (important in HUD inspections) lowers this score to reflect inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Front yard is maintained, shrubs trimmed, chain‑link side fence appears intact, and driveway and pedestrian walk provide safe access. No visible foundation displacement, major settling, or exterior structural sagging in photos. Trees close to roofline may require routine maintenance but are not an immediate visible hazard. Minor sidewalk cracking and driveway staining noted but not severe."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.5,
"assumptions": [
"No interior photos provided; interior condition (floors, walls, appliances, smoke/CO detectors, GFCI outlets) is unknown and must be verified.",
"Property under local professional management implies basic maintenance is performed and major systems are likely operational, but this is not confirmed.",
"Roof is assumed to be metal and in good repair based on photos; no active roof leaks visible from exterior images.",
"Windows shown are assumed to meet bedroom egress requirements, but bedroom-specific egress must be confirmed during interior inspection.",
"House built in 1940 — potential lead-based paint risk exists; paint condition inside/outside not visible and should be assessed.",
"No heating/HVAC unit visible; assume a heating system exists given property is managed, but operability and type must be confirmed.",
"No appliances are visible in photos; missing or nonfunctional appliances would be treated as moderate, easily remediable issues."
],
"overall_score": 74.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "704 9th Ct W, Birmingham, AL, 35204",
"aggregate": {
"summary": "Based on exterior photos and listing text, this single-family home appears generally well maintained and likely qualifies as a minor-repair property for Section 8/NSPIRE—probable pass after basic interior checks and minor repairs. Key unknowns (smoke/CO detectors, GFCI, HVAC condition, water heater, interior condition and appliances) require verification; with those confirmed functional or easily remedied, the property is likely rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.7,
"rationale": "Exterior photos show a maintained facade, intact vinyl siding, a solid-looking metal roof, and a maintained porch. Landscaping is trimmed and no obvious exterior deferred maintenance is visible. Interior condition, appliances, flooring, cabinets, drywall and cosmetic issues cannot be confirmed from provided photos; absence of interior photos lowers confidence. Missing/unknown appliances and cosmetic issues are treated as moderate risk rather than catastrophic."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.7,
"rationale": "Front yard, walkway and driveway are in serviceable condition; yard is mowed and property shows chain-link side fencing. No standing water, erosion, visible major foundation cracks, or roof sagging observed. Minor sidewalk cracking exists but not severe. Overall exterior and site conditions look well maintained."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 63.3,
"rationale": "No visible exposed wiring, collapsed ceilings, foundation failure, active roof leaks, or severe trip hazards in photos. Porch has railings and main entry appears secure; however smoke/CO detectors, GFCI outlets, bedroom egress, deadbolt presence, water heater location, and interior electrical condition are not visible. Because those items are unknown but the exterior shows no life‑threatening hazards, I assign a moderate safety risk score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof appears to be a newer metal roof in good visual condition. Major systems (HVAC, water heater, service panel, plumbing) are not shown. The property being under local management suggests systems are functional, but lack of confirmation (no HVAC units, meter, panel or water heater photos) requires a conservative score to reflect potential repairs or replacement needs."
}
],
"red_flags": [],
"confidence": 0.86,
"assumptions": [
"Interior photos and system photos (HVAC, water heater, electrical panel) were not provided; assume systems exist but their operational status is unknown.",
"Property is currently managed by a local property manager (listing says under management), so basic maintenance likely performed but not guaranteed.",
"No evidence of active roof leaks or structural sagging from exterior photos; assume roof is watertight.",
"Smoke detectors, carbon monoxide alarms, GFCI protection and deadbolt locks were not visible; assume some may be missing or need replacement and factor that into safety score.",
"Appliances (stove, refrigerator) are not shown; assume they may be present but could require servicing or replacement—treated as moderate repair items.",
"No evidence of severe mold, infestation, or standing water was visible from exterior shots; assume none present but recommend interior inspection to confirm.",
"Rental history in last 5 years shows no events; therefore rental_history_activity criterion was excluded from scoring."
],
"score_method": "mean_of_criteria",
"overall_score": 69.8,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7425831389"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.