Property ID: 7440522394
3029 Apple Valley Ln, Birmingham, AL, 35215
Birmingham, AL
Money Down: $27,096
CoC Return: 19.50%
Monthly Cash Flow: $440
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,580
Closing Costs
$4,516
Total Down
$27,096
Investment Snapshot
Purchase Price
$112,900
Money Down
$27,096
Cash-on-Cash Return
19.50%
Rent
$1,365
Monthly Cash Flow
$440
Annual Cash Flow
$5,283
Debt Service / Mo
$601
Property Tax / Mo
$117
Insurance / Mo
$70
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,365
Payment Standard
$1,738
Rent
$1,365
Insurance
$70
Property Tax
$117
Management
$136
Utilities Allowance
$373
NOI (Monthly)
$1,041
Debt Service
$601
Cash Flow After Debt
$440
Quality Score: 73.10%
Confidence: 80.00%
Overall the property appears largely rent-ready with mostly cosmetic repairs and a few code compliance items to address. The home has functioning major appliances, appears structurally sound, and shows a well-maintained exterior and roof. Primary inspection risks are missing/ not-visible smoke and CO detectors and potential lack of GFCI protection in the kitchen; these are relatively quick fixes. On-site verification of electrical panel, water heater, and HVAC operation is recommended prior to inspection. With the noted detector/outlet fixes and routine touch-ups the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$373
Guaranteed Section 8 Rent (PS - Utilities)
$1,365
Property Management
$136
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$112,900
Beds
3
Baths
1
Living Area
1,008 sqft
Lot Size
15,682 sqft
Year Built
1980
Days on Market
85
Capital Outlay
$27,096
Debt Service
$601
Property Tax / Mo
$117
Insurance / Mo
$70
Property Description
Welcome to this inviting home located on a quiet street in the Birmingham area. This property offers a comfortable layout with a spacious living area, well-appointed kitchen. Large windows provide great natural light throughout the home, and the floor plan offers flexibility for everyday living or entertaining. The exterior features a fenced in front yard, plus convenient driveway parking. Located near local shops, dining, parks, and commuter routes, this home provides easy access to many of Birmingham's amenities. Whether you're looking for a primary residence or an investment opportunity, this property offers solid potential and a convenient location ready for your personal touch.
Utility Allowances
Heating
$93
Property info states 'No Heat', which is unlikely. Assumed a standard heating system exists and selected the more expensive option (Electric) between available fuel types as per guidelines.
Cooling
$22
Property info states 'No Air', which is unlikely. Assumed a standard cooling system exists and selected electric A/C with 'Alabama Power' as the assumed provider.
Cooking
$21
Property lists both gas and electric cooking appliances. Selected the more expensive electric option ('Elec: Ala Power') as per instructions.
Water Heating
$56
Property information explicitly states the water heater is electric. 'Ala Power' is the assumed provider.
Other Electric
$68
Standard tenant utility for lights and general electric use. 'Alabama Power' is the assumed provider based on location.
Water
$78
Property has 'Public Water' in Birmingham. 'Water: Birmingham' is the corresponding and most expensive schedule item.
Sewer
$0
The property uses a septic system, so there is no monthly public sewer utility cost for the tenant.
Trash Collection
$29
No specific provider for the address is listed in the schedule. 'Irondale ISCL' was chosen as a plausible, more expensive option from the listed municipalities.
Refrigerator
$0
The property listing includes a refrigerator, so it is landlord-provided and no allowance is given.
Range/Microwave
$6
A microwave is not listed as a provided appliance and is 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$695
DP3 Annual Estimate$993
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$83
Replacement Value$84,000
Basis1,008 sqft / 1980
Nearby Houses
Photo unavailable
3031 Apple Valley Ln
for_sale · 0.02 mi
Price: $114,900
3 bd / 1 ba · 1,008 sqft
Latest sale: $125,000 on Mar 04, 2022
Latest rent: $1,195 on Oct 25, 2024
Photo unavailable
3028 Apple Valley Ln
sold · 0.04 mi
Price: $135,000
3 bd / 2 ba · 1,071 sqft
Latest sale: $135,000 on Jan 28, 2022
Latest rent: $1,425 on Sep 29, 2023
Photo unavailable
3032 Apple Valley Ln
sold · 0.05 mi
Price: $549,000
3 bd / 2 ba
Latest sale: $549,000 on Mar 12, 2024
Latest rent: $900 on Jan 10, 2019
Photo unavailable
3035 Apple Valley Ln
sold · 0.05 mi
Price: $225,000
3 bd / 2 ba · 1,682 sqft
Latest sale: $225,000 on Jan 30, 2026
Latest rent: $1,600 on Nov 30, 2021
Photo unavailable
3024 Apple Valley Ln
sold · 0.06 mi
Price: $113,000
3 bd / 3 ba · 1,346 sqft
Latest sale: $113,000 on Aug 08, 2022
Latest rent: —
Photo unavailable
3037 Apple Valley Ln
for_sale · 0.07 mi
Price: $162,000
3 bd / 2 ba · 1,685 sqft
Latest sale: $86,000 on Jul 03, 2023
Latest rent: —
Photo unavailable
3018 Apple Valley Ln
sold · 0.09 mi
Price: $145,000
3 bd / 2 ba · 1,308 sqft
Latest sale: $145,000 on Aug 30, 2021
Latest rent: —
Photo unavailable
217 Jupiter Dr
sold · 0.10 mi
Price: $125,700
3 bd / 2 ba
Latest sale: $125,700
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors (required by NSPIRE) — potential inspection fail if absent or nonfunctional.
- No visible carbon monoxide detector — required where applicable and recommended for gas appliances.
- No obvious GFCI-protected receptacle visible at kitchen sink — possible NSPIRE fail if absent.
- Key mechanicals (electrical panel, water heater) not shown — require on-site verification to rule out hazards.
Assumptions
- Smoke detectors and carbon monoxide alarms are not present or not visible in provided photos; assume they need installation or verification.
- A central HVAC system is present and operable (inferred from visible floor vent); full functional test not performed.
- Water heater and electrical panel exist but were not photographed; assume typical working condition unless inspection reveals otherwise.
- Kitchen appliances shown (gas stove, refrigerator, dishwasher) are installed and usable; gas connection for stove assumed correct and safe but should be inspected.
- Entry door has a standard lock; presence of a compliant deadbolt is not clearly visible and should be verified/installed if absent.
- Bedroom windows provide egress based on size in photos, but final egress compliance should be confirmed on site.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,363 | $94,000 | $18,800 |
| 2023 | $1,363 | $94,000 | $18,800 |
| 2022 | $1,392 | $96,000 | $19,200 |
| 2021 | $1,131 | $78,000 | $15,600 |
| 2020 | $974 | $67,200 | $13,440 |
| 2019 | $974 | $67,200 | $13,440 |
| 2018 | $925 | $63,800 | $12,760 |
| 2017 | $925 | $63,800 | $12,760 |
| 2016 | $925 | $63,800 | $12,760 |
| 2015 | $925 | $63,800 | $12,760 |
| 2013 | $876 | $62,800 | $12,560 |
| 2012 | $364 | $61,990 | $6,199 |
| 2011 | $431 | $71,700 | $7,170 |
| 2010 | $458 | $75,500 | $7,550 |
| 2009 | $458 | $75,500 | $7,550 |
| 2008 | $469 | $77,100 | $7,710 |
| 2007 | $461 | $76,000 | $7,600 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2013-01-08 | Sold | $22,500 |
| 2002-09-26 | Sold | $45,500 |
| 2001-05-25 | Sold | $63,663 |
| 2000-08-22 | Sold | $57,465 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-11-07 | Listed for rent | $995 | — |
| 2024-10-10 | Listed for rent | $1,050 | — |
| 2019-07-09 | Listed for rent | $850 | — |
| 2017-05-11 | Listed for rent | $785 | — |
| 2015-03-19 | Listed for rent | $785 | — |
| 2014-05-21 | Listed for rent | $785 | — |
| 2013-01-21 | Listed for rent | $800 | — |
Photo Gallery
Show raw JSON (debug)
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{
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{
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},
{
"tax": 1392,
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},
"assessment": {
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}
},
{
"tax": 1131,
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"market": {
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},
"assessment": {
"land": null,
"total": 15600,
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}
},
{
"tax": 974,
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"market": {
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"assessment": {
"land": null,
"total": 13440,
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},
{
"tax": 974,
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"market": {
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"total": 67200,
"building": 57200
},
"assessment": {
"land": null,
"total": 13440,
"building": null
}
},
{
"tax": 925,
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"assessment": {
"land": null,
"total": 12760,
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}
},
{
"tax": 925,
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"land": null,
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},
{
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},
{
"tax": 925,
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"total": 12760,
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{
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{
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"assessment": {
"land": 999,
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},
{
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"assessment": {
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"total": 7170,
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},
{
"tax": 458,
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},
{
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"assessment": {
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},
{
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},
{
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"assessment": {
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}
],
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{
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{
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{
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{
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{
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{
"date": "2024-10-10",
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"list_date": null,
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"listing_id": "2973466955",
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"last_status_change_date": "2025-01-08T01:22:59Z"
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{
"date": "2017-05-23",
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{
"date": "2014-06-13",
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"listing": {
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"list_date": null,
"list_price": 785,
"listing_id": "583831339",
"last_update_date": "2014-06-13T11:50:13Z",
"last_status_change_date": "2014-06-13T11:50:13Z"
},
"event_name": "Listing removed",
"price_sqft": 0.6541666666666667,
"source_name": "RentFeeder",
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"days_after_listed": null,
"source_listing_id": "008LB0L",
"price_change_percentage": null
},
{
"date": "2013-01-20",
"price": 785,
"listing": {
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"list_date": null,
"list_price": 785,
"listing_id": "583831339",
"last_update_date": "2014-06-13T11:50:13Z",
"last_status_change_date": "2014-06-13T11:50:13Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.6541666666666667,
"source_name": "RentFeeder",
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"days_after_listed": null,
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{
"date": "2013-01-08",
"price": 22500,
"listing": {
"status": "sold",
"list_date": "2012-12-11T07:00:00Z",
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"listing_id": "559174511",
"last_update_date": "2013-01-09T03:04:05Z",
"last_status_change_date": "2013-01-08T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "28 days",
"source_listing_id": "549447",
"price_change_percentage": "+2.27%"
},
{
"date": "2012-12-11",
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"listing": {
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"list_date": "2012-12-11T07:00:00Z",
"list_price": 22000,
"listing_id": "559174511",
"last_update_date": "2013-01-09T03:04:05Z",
"last_status_change_date": "2013-01-08T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "549447",
"price_change_percentage": "-51.65%"
},
{
"date": "2002-09-26",
"price": 45500,
"listing": null,
"event_name": "Sold",
"price_sqft": 45.138888888888886,
"source_name": "Public Record",
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"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-41.29%"
},
{
"date": "2000-08-31",
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"listing": {
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"list_date": "2000-03-18T07:00:00Z",
"list_price": 77500,
"listing_id": "541753907",
"last_update_date": "2002-09-01T12:00:00Z",
"last_status_change_date": "2000-08-31T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "166 days",
"source_listing_id": "64052",
"price_change_percentage": null
},
{
"date": "2000-03-18",
"price": 77500,
"listing": {
"status": "off_market",
"list_date": "2000-03-18T07:00:00Z",
"list_price": 77500,
"listing_id": "541753907",
"last_update_date": "2002-09-01T12:00:00Z",
"last_status_change_date": "2000-08-31T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "64052",
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}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7440522394",
"generated_at": "2026-02-16T03:04:54.405158Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 73.1
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/da7dc7ce3ae09959dac8c1a210180a9dl-m1358513527s-w1280.jpg",
"rent_price": 1365.0,
"loan_amount": 90320.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3029-Apple-Valley-Ln_Birmingham_AL_35215_M74405-22394",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 112900.0,
"loan_term_years": 30,
"annual_cash_flow": 12494.11,
"mortgage_monthly": 600.9,
"payment_standard": 1738.0,
"total_amount_out": 22580.0,
"additional_photos": [
"https://ap.rdcpix.com/da7dc7ce3ae09959dac8c1a210180a9dl-m1702791856s-w1280.jpg",
"https://ap.rdcpix.com/da7dc7ce3ae09959dac8c1a210180a9dl-m2773808194s-w1280.jpg",
"https://ap.rdcpix.com/da7dc7ce3ae09959dac8c1a210180a9dl-m1786874630s-w1280.jpg",
"https://ap.rdcpix.com/da7dc7ce3ae09959dac8c1a210180a9dl-m2833908374s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 70.33,
"monthly_cash_flow": 1041.18,
"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 info states 'No Heat', which is unlikely. Assumed a standard heating system exists and selected the more expensive option (Electric) between available fuel types as per guidelines.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property info states 'No Air', which is unlikely. Assumed a standard cooling system exists and selected electric A/C with 'Alabama Power' as the assumed provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property lists both gas and electric cooking appliances. Selected the more expensive electric option ('Elec: Ala Power') as per instructions.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property information explicitly states the water heater is electric. 'Ala Power' is the assumed provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Standard tenant utility for lights and general electric use. 'Alabama Power' is the assumed provider based on location.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has 'Public Water' in Birmingham. 'Water: Birmingham' is the corresponding and most expensive schedule item.",
"utility": "Water",
"allowance": 78
},
{
"note": "The property uses a septic system, so there is no monthly public sewer utility cost for the tenant.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "No specific provider for the address is listed in the schedule. 'Irondale ISCL' was chosen as a plausible, more expensive option from the listed municipalities.",
"utility": "Trash Collection",
"allowance": 29
},
{
"note": "The property listing includes a refrigerator, so it is landlord-provided and no allowance is given.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A microwave is not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.55,
"down_payment_amount": 22580.0,
"property_tax_annual": 1403.89,
"property_tax_monthly": 116.99,
"property_tax_increase": 0.03,
"utility_allowance_total": 373.0,
"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": 5283.3,
"property_management_monthly": 136.5,
"monthly_cash_flow_after_debt": 440.27,
"cash_on_cash_return_after_debt": 0.23
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears largely rent-ready with mostly cosmetic repairs and a few code compliance items to address. The home has functioning major appliances, appears structurally sound, and shows a well-maintained exterior and roof. Primary inspection risks are missing/ not-visible smoke and CO detectors and potential lack of GFCI protection in the kitchen; these are relatively quick fixes. On-site verification of electrical panel, water heater, and HVAC operation is recommended prior to inspection. With the noted detector/outlet fixes and routine touch-ups the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior and exterior photos show generally sound cosmetic condition. Kitchen has all major appliances (stove, refrigerator, dishwasher) present and functional-looking; cabinets show chipped paint and wear, counters are dated, and blinds/carpet show minor wear. Exterior siding and brick skirt look intact; front yard is maintained and fenced. Issues are cosmetic/maintenance and should be easy-to-fix (paint, cabinet touch-up, minor floor/carpet cleaning or replacement)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 60.0,
"rationale": "No active life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed wiring). However, smoke detectors and carbon monoxide detector are not visible in any interior photos (NSPIRE requires working smoke detectors on each level and outside sleeping areas; CO alarms where required). Kitchen receptacles near sink do not show obvious GFCI devices — potential NSPIRE fail if GFCI protection is absent. Entry door appears secure and a security/screen door is present from exterior photos but a verified deadbolt is not clearly visible. Window sizes appear adequate for egress but egress certification cannot be fully confirmed from photos. These issues are relatively straightforward to remediate but represent inspection risks if unaddressed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 70.0,
"rationale": "Roof shingles appear in good condition from front elevation (no visible sagging or active leaks). Interior floor vent observed indicating central HVAC ducting present; no visible evidence of missing heating. Kitchen plumbing fixtures installed and dishwasher present. Electrical panel and water heater are not shown so their condition cannot be verified; no visible exposed wiring or burned outlets. Overall systems appear present and functional from photos but several key components require on-site verification (panel labeling, water heater age/operation, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 80.0,
"rationale": "Yard is mowed and maintained, chain‑link fence and driveway present as advertised. Siding and foundation skirt (brick) look intact with no visible major cracks or settling. Small front porch and railing appear serviceable. Trees/back vegetation are close to the structure which could require routine maintenance but no visible infestation or large drainage issues from provided images."
},
{
"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": [
"No visible smoke detectors (required by NSPIRE) — potential inspection fail if absent or nonfunctional.",
"No visible carbon monoxide detector — required where applicable and recommended for gas appliances.",
"No obvious GFCI-protected receptacle visible at kitchen sink — possible NSPIRE fail if absent.",
"Key mechanicals (electrical panel, water heater) not shown — require on-site verification to rule out hazards."
],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not present or not visible in provided photos; assume they need installation or verification.",
"A central HVAC system is present and operable (inferred from visible floor vent); full functional test not performed.",
"Water heater and electrical panel exist but were not photographed; assume typical working condition unless inspection reveals otherwise.",
"Kitchen appliances shown (gas stove, refrigerator, dishwasher) are installed and usable; gas connection for stove assumed correct and safe but should be inspected.",
"Entry door has a standard lock; presence of a compliant deadbolt is not clearly visible and should be verified/installed if absent.",
"Bedroom windows provide egress based on size in photos, but final egress compliance should be confirmed on site."
],
"overall_score": 73.0,
"rubric_version": "nsPire_v1.0_2026-02"
},
{
"summary": "Overall the property appears to be a minor-repairs property that would likely pass an initial Section 8 (HCV/NSPIRE) inspection after a short pre-inspection sweep (install/verify smoke & CO alarms, confirm GFCI outlets, verify HVAC/hot water operation, minor cabinet/paint touch-ups and cleaning). No major structural or life-threatening hazards were visible in photos; primary risks are missing/uncertain safety devices and unverified mechanicals.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show a generally well-maintained home with functional major components present (stove, refrigerator, dishwasher). Visible issues are cosmetic and typical: worn cabinet surfaces, scuffed paint, aged countertops, blinds with wear, and carpet edges that likely need cleaning or minor repair. No visible collapsed ceilings, severe flooring damage, or exposed subfloor. These are easy-to-fix, capital-only items that should not prevent passing once addressed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious life-threatening hazards visible (no sagging ceilings, no active water stains, no exposed wiring). Exterior entry has a security/screen door and a handrail at the small front steps. However, critical safety items are not visible in photos: smoke detectors and CO alarm presence and placement are unconfirmed, and GFCI protection at kitchen sink/counter outlets is not evident. Bedroom egress appears reasonable given large windows. Plumbing fixtures are present but hot water cannot be confirmed. These unknowns create moderate NSPIRE risk and will need verification/installation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Roof shingles visible in exterior photo appear uniform and in good condition with no visible sagging or damaged areas. A floor vent is visible indicating central HVAC; however operation and service status are unconfirmed. Water heater and electrical panel are not shown. Gas range is present and appears installed. Given the tidy presentation and lack of visible system distress, assume systems are functional but require standard verification (HVAC service, hot water, panel check), so score reflects likely functional but unverified systems."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 82.0,
"rationale": "Fenced front yard, maintained lawn, intact chain-link fence, visible brick foundation skirt, and an intact roof line and siding. Front steps and railing are present and appear serviceable. No visible standing water, major grading problems, or exterior structural separation. Driveway parking is stated in listing (not shown), and yard appears free of debris or infestation evidence. Overall exterior/site condition is good with only minor aesthetic issues."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they are not installed or require verification and likely need installation or battery check.",
"GFCI protection for kitchen countertop outlets is not evident in photos; assume GFCI outlets or breakers may be absent and should be confirmed/installed if required by local codes/inspector.",
"HVAC exists (vent visible) but its operational condition and service history are not shown; assume functional but recommend service/test before inspection.",
"Water heater and electrical panel are not shown; assume they exist and are serviceable but require verification (no signs of active leaks or panel hazards seen from photos).",
"Bathroom(s) and plumbing fixtures were not photographed; assume basic plumbing is present and functional unless inspection finds leaks.",
"No active roof leaks or structural sagging were observed; roof appears recently shingled and in good visible condition.",
"Appliances (stove, refrigerator, dishwasher) are present and appear usable; missing appliance penalties were therefore minimal."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-v1.0-expert"
},
{
"summary": "This 3BR/1BA single-family property is in generally good cosmetic and structural condition with appliances present and an intact exterior. Visual evidence suggests a recently shingled roof, acceptable foundation condition, and functioning central HVAC supply (vent visible). Primary inspection-risk items visible in the photos are absence of visible smoke/CO detectors and unclear GFCI protection in the kitchen; these are straightforward fixes. With installation/verification of required alarms, confirmation of working HVAC and hot water, and ensuring GFCI receptacles or breakers in the kitchen, the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection after minor work (rent-ready within 1–3 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Interior photos show generally clean, recently painted walls, intact flooring, and cabinets in place. All major kitchen appliances (gas range, refrigerator, dishwasher) are present which reduces capital needs. Visible cabinet wear, scuffed lower cabinet doors and slightly aged countertops are cosmetic and repairable. Exterior siding and brick skirting appear intact. No obvious water stains, collapsed ceilings, or exposed subfloor observed. Expected easy-to-fix items: touch-up paint, cabinet hardware, minor trim repairs, outlet/cover replacement. Overall condition appears minor-repair level and largely cosmetic."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 68.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in interior photos (likely required and commonly cited on initial inspections). Kitchen shows standard gas range with visible hood venting but gas piping/venting condition not verifiable from photos. No exposed wiring or obvious electrical hazards visible; electrical outlets and plates largely present though GFCI protection at kitchen sink is not evident in photos (could fail GFCI requirement if absent). Bedroom and living room windows appear full-size and likely provide egress; entry door has a security/screen door and knob lock but deadbolt presence not clearly visible. Handrails on the small front steps appear present; no loose guardrails or open stair hazards seen. No active leaks, major peeling paint, or visible mold. Overall this appears low-to-moderate NSPIRE risk if smoke/CO alarms and GFCI receptacles are installed prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 70.0,
"rationale": "Roof appears in good visual condition with newer-looking shingles and no visible sagging or missing areas from the front elevation photo. A floor/return vent near the living room window suggests central HVAC supply/ducting is present; however, no furnace/AC unit or water heater is pictured so operational condition is unverified. No visible plumbing leaks in kitchen photos; sink and fixtures appear intact. Electrical panel not shown. Given presence of appliances and vents and no visible system failures, systems risk is moderate — acceptance likely once HVAC and hot water are confirmed operational and electrical panel is intact."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior front elevation shows level foundation, intact siding/trim, brick skirting, chain-link front fence in good condition, and maintained lawn/driveway area. Front porch and steps present with a guardrail/handrail visible; no erosion, standing water, or foundation displacement visible from the provided photo. Vegetation clear of the structure. Overall exterior/site condition is good and presents minimal inspection risk."
},
{
"key": "rental_history_activity",
"label": "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": [
"No visible smoke detectors or carbon monoxide alarm in interior photos (required).",
"No visible GFCI-protected receptacle near the kitchen sink (GFCI likely required)."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (inferred from visible floor/return vent in living area).",
"Water heater and main plumbing are present and functioning (not pictured).",
"Electrical panel is present and intact somewhere in the home (not shown in photos).",
"Bedrooms have code-compliant egress windows (windows appear full-size but exact measurements not provided).",
"Front entry has at least a functional keyed lock; presence of deadbolt is unconfirmed.",
"No hidden active roof leaks or significant attic water intrusion exist despite roof appearing in good condition from photos.",
"Listing is accurate about fenced front yard and driveway parking; driveway condition not shown but assumed serviceable."
],
"overall_score": 81.0,
"rubric_version": "ns-pov-2026-01"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3029 Apple Valley Ln, Birmingham, AL, 35215",
"aggregate": {
"summary": "Overall the property appears largely rent-ready with mostly cosmetic repairs and a few code compliance items to address. The home has functioning major appliances, appears structurally sound, and shows a well-maintained exterior and roof. Primary inspection risks are missing/ not-visible smoke and CO detectors and potential lack of GFCI protection in the kitchen; these are relatively quick fixes. On-site verification of electrical panel, water heater, and HVAC operation is recommended prior to inspection. With the noted detector/outlet fixes and routine touch-ups the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 77.3,
"rationale": "Interior and exterior photos show generally sound cosmetic condition. Kitchen has all major appliances (stove, refrigerator, dishwasher) present and functional-looking; cabinets show chipped paint and wear, counters are dated, and blinds/carpet show minor wear. Exterior siding and brick skirt look intact; front yard is maintained and fenced. Issues are cosmetic/maintenance and should be easy-to-fix (paint, cabinet touch-up, minor floor/carpet cleaning or replacement)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 82.3,
"rationale": "Yard is mowed and maintained, chain‑link fence and driveway present as advertised. Siding and foundation skirt (brick) look intact with no visible major cracks or settling. Small front porch and railing appear serviceable. Trees/back vegetation are close to the structure which could require routine maintenance but no visible infestation or large drainage issues from provided images."
},
{
"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": "Section 8 / NSPIRE safety & code compliance risk",
"score": 64.3,
"rationale": "No active life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed wiring). However, smoke detectors and carbon monoxide detector are not visible in any interior photos (NSPIRE requires working smoke detectors on each level and outside sleeping areas; CO alarms where required). Kitchen receptacles near sink do not show obvious GFCI devices — potential NSPIRE fail if GFCI protection is absent. Entry door appears secure and a security/screen door is present from exterior photos but a verified deadbolt is not clearly visible. Window sizes appear adequate for egress but egress certification cannot be fully confirmed from photos. These issues are relatively straightforward to remediate but represent inspection risks if unaddressed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 70.0,
"rationale": "Roof shingles appear in good condition from front elevation (no visible sagging or active leaks). Interior floor vent observed indicating central HVAC ducting present; no visible evidence of missing heating. Kitchen plumbing fixtures installed and dishwasher present. Electrical panel and water heater are not shown so their condition cannot be verified; no visible exposed wiring or burned outlets. Overall systems appear present and functional from photos but several key components require on-site verification (panel labeling, water heater age/operation, HVAC operation)."
}
],
"red_flags": [
"No visible smoke detectors (required by NSPIRE) — potential inspection fail if absent or nonfunctional.",
"No visible carbon monoxide detector — required where applicable and recommended for gas appliances.",
"No obvious GFCI-protected receptacle visible at kitchen sink — possible NSPIRE fail if absent.",
"Key mechanicals (electrical panel, water heater) not shown — require on-site verification to rule out hazards."
],
"confidence": 0.8,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not present or not visible in provided photos; assume they need installation or verification.",
"A central HVAC system is present and operable (inferred from visible floor vent); full functional test not performed.",
"Water heater and electrical panel exist but were not photographed; assume typical working condition unless inspection reveals otherwise.",
"Kitchen appliances shown (gas stove, refrigerator, dishwasher) are installed and usable; gas connection for stove assumed correct and safe but should be inspected.",
"Entry door has a standard lock; presence of a compliant deadbolt is not clearly visible and should be verified/installed if absent.",
"Bedroom windows provide egress based on size in photos, but final egress compliance should be confirmed on site."
],
"score_method": "mean_of_criteria",
"overall_score": 73.1,
"rubric_version": "nsPire_v1.0_2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7440522394"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.