Property ID: 7446181742
617 64th St S, Birmingham, AL, 35212
Birmingham, AL
Money Down: $26,400
CoC Return: -1.52%
Monthly Cash Flow: $-34
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
-1.52%
Rent
$876
Monthly Cash Flow
$-34
Annual Cash Flow
$-403
Debt Service / Mo
$585
Property Tax / Mo
$158
Insurance / Mo
$78
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$876
Payment Standard
$1,408
Rent
$876
Insurance
$78
Property Tax
$158
Management
$88
Utilities Allowance
$532
NOI (Monthly)
$552
Debt Service
$585
Cash Flow After Debt
$-34
Quality Score: 63.30%
Confidence: 88.00%
Overall the property appears to be a tenant-occupied, structurally sound brick ranch with primarily cosmetic and mid-life capital needs. The most notable concerns from exterior photos are an aged roof (likely near replacement), rusted/dented window awnings, and typical site wear (uneven yard, worn concrete). No active structural collapse, standing water, or obvious electrical hazards are visible, but many NSPIRE-critical items (smoke/CO detectors, GFCI outlets, bedroom egress, HVAC/water heater operation) are interior and not confirmed. Given the tenant in place and absence of visible life-safety failures, the property is likely passable with focused repairs/verification, but expect a moderate number of inspection items to confirm or correct (smoke/CO, GFCI, roof verification, and mechanical checks).
Section 8 Payment Standard
$1,408
Utility Allowance Total
$532
Guaranteed Section 8 Rent (PS - Utilities)
$876
Property Management
$88
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
3
Baths
2
Living Area
1,684 sqft
Lot Size
10,890 sqft
Year Built
1965
Days on Market
18
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$158
Insurance / Mo
$78
Property Description
This 3-bedroom, 2-bath home is being sold as an income-producing investment with a strong tenant in place currently renting for $1,100/month, providing immediate and consistent cash flow from day one. Located in an up-and-coming area experiencing growth and revitalization, this property offers substantial upside potential through future rent increases, appreciation, or long-term repositioning. The home features a desirable layout with two full baths, making it attractive for tenants and supporting stable occupancy. An excellent opportunity for investors seeking steady income now with long-term growth ahead. Ideal as a portfolio addition or a solid entry-level rental investment. Please do not disturb tenant. Showings with accepted contract.
Utility Allowances
Heating
$93
Selected 'Elec Heat: Ala Power'. The property has central heating. The fuel type was not specified, but an electric water heater suggests an all-electric setup. This electric option was chosen as the most consistent and among the most expensive choices.
Cooling
$22
Selected 'A/C: Alabama Power'. The property is equipped with central air conditioning, which is electric. Alabama Power is assumed to be the local provider.
Water Heating
$56
Selected 'Elec: Ala Power' for water heating. The property details explicitly state it has an 'Electric Water Heater'.
Cooking
$21
Selected 'Elec: Ala Power' for cooking. The property includes a 'Convection Oven', which is electric.
Other Electric (Lights, etc.)
$68
Selected 'Lights, Ref, Etc.: Ala Power'. This covers general electric usage for lights and appliances. It includes the energy cost for a tenant-owned refrigerator as one is not listed as provided.
Water
$78
Selected 'Water: Birmingham'. The property is located in Birmingham and is connected to 'Public Water'.
Sewer
$151
The property is explicitly 'Sewer Connected'. The allowance is a fixed rate based on bedroom count from the schedule.
Trash Collection
$29
Selected 'Irondale ISCL'. The property is in Birmingham, but the schedule lacks a specific option. Irondale is a neighboring city; this option was chosen as a plausible and more expensive choice among alternatives.
Refrigerator (Tenant-Owned)
$8
The property does not explicitly state a refrigerator is provided. This fixed allowance is included for a tenant-owned appliance as per the schedule.
Range/Microwave (Tenant-Owned)
$6
The property does not explicitly state a microwave is provided. This fixed allowance is included for a tenant-owned appliance as per the schedule.
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$788
DP3 Annual Estimate$1,095
DP1 Monthly Equivalent$66
DP3 Monthly Equivalent$91
Replacement Value$101,000
Basis1,684 sqft / 1965
Nearby Houses
Photo unavailable
621 64th St S
sold · 0.01 mi
Price: $106,377
3 bd / 1 ba · 1,092 sqft
Latest sale: $106,377 on Aug 13, 2024
Latest rent: $1,250 on Aug 26, 2024
Photo unavailable
632 64th St S
sold · 0.06 mi
Price: $118,750
2 bd / 1 ba · 1,008 sqft
Latest sale: $118,750 on Nov 05, 2024
Latest rent: —
Photo unavailable
706 64th Pl S
sold · 0.07 mi
Price: $129,250
2 bd / 1 ba · 754 sqft
Latest sale: $129,250 on Feb 22, 2024
Latest rent: $1,300 on Jan 03, 2025
Photo unavailable
575 64th St S
sold · 0.08 mi
Price: $171,000
3 bd / 2 ba · 1,763 sqft
Latest sale: $171,000 on Aug 12, 2025
Latest rent: —
Photo unavailable
612 Antwerp Ave
sold · 0.09 mi
Price: $155,000
3 bd / 2 ba · 1,450 sqft
Latest sale: $155,000 on Jan 04, 2022
Latest rent: $1,400 on Dec 07, 2022
Photo unavailable
606 Antwerp Ave
for_sale · 0.09 mi
Price: $115,000
3 bd / 2 ba · 1,200 sqft
Latest sale: $123,000
Latest rent: —
Photo unavailable
621 62nd St S
sold · 0.10 mi
Price: $45,000
2 bd / 1 ba · 980 sqft
Latest sale: $45,000 on Mar 13, 2020
Latest rent: $590 on Dec 30, 2014
Photo unavailable
617 62nd St S
sold · 0.10 mi
Price: $61,500
1 bd / 1 ba · 670 sqft
Latest sale: $61,500 on May 15, 2019
Latest rent: $725 on May 23, 2019
Photo unavailable
613 62nd St S
for_sale · 0.10 mi
Price: $179,900
3 bd / 2 ba · 1,064 sqft
Latest sale: $154,900 on May 04, 2018
Latest rent: $600 on Feb 25, 2015
Photo unavailable
637 62nd St S
sold · 0.11 mi
Price: $29,000
2 bd / 1 ba · 728 sqft
Latest sale: $29,000 on Apr 09, 2020
Latest rent: $1,050 on May 03, 2024
Photo unavailable
559 63rd St S
sold · 0.11 mi
Price: $100,000
3 bd / 1 ba · 888 sqft
Latest sale: $100,000 on Mar 21, 2025
Latest rent: $1,390 on Dec 22, 2024
Photo unavailable
560 Antwerp Ave
off_market · 0.11 mi
Price: $24,750
2 bd / 1 ba · 720 sqft
Latest sale: $24,500 on Aug 07, 2025
Latest rent: —
Photo unavailable
572 Antwerp Ct
sold · 0.12 mi
Price: $18,000
3 bd / 1 ba · 984 sqft
Latest sale: $18,000 on Mar 04, 2017
Latest rent: $1,150 on Jan 13, 2025
Photo unavailable
575 62nd St S Lot 12
sold · 0.13 mi
Price: $4,600
— bd / — ba
Latest sale: $4,600
Latest rent: —
Photo unavailable
539 63rd St S
for_sale · 0.16 mi
Price: $199,000
4 bd / 2 ba · 1,272 sqft
Latest sale: $198,500 on Jul 28, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos and condition were not provided; assume interior is occupied and generally functional since listing states an active tenant and recent rental record.
- Appliances (stove, refrigerator, water heater) are presumed present and functional unless otherwise reported; missing appliances would be treated as moderate, not catastrophic, inspection issues.
- HVAC condenser and other mechanical equipment are present but may be located at the rear or side of the house not shown in the provided photos.
- Smoke and carbon monoxide detectors, GFCI outlets, and the condition of bedroom egress windows cannot be confirmed from the exterior photos and are assumed unknown—these typically require quick verification and could lower score if absent.
- Roof shows visible wear and staining; assume no active, large interior leaks visible to the exterior photos, but roof likely near end of service life and should be inspected further.
- Electrical service/meter visible on left side is assumed intact and code-compliant unless detailed inspection shows otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,841 | $127,000 | $25,400 |
| 2023 | $1,841 | $127,000 | $25,400 |
| 2022 | $1,386 | $95,600 | $19,120 |
| 2021 | $1,386 | $95,600 | $19,120 |
| 2020 | $1,386 | $95,600 | $19,120 |
| 2019 | $1,386 | $95,600 | $19,120 |
| 2018 | $1,273 | $87,800 | $17,560 |
| 2017 | $1,273 | $87,800 | $17,560 |
| 2016 | $1,273 | $87,800 | $17,560 |
| 2015 | $1,273 | $87,800 | $17,560 |
| 2010 | $1,235 | $87,800 | $17,560 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-02-07 | Sold | $48,000 |
| 2014-10-08 | Sold | $12,500 |
| 2014-05-30 | Sold | $10,200 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-09-17 | Listed for rent | $1,100 | — |
Photo Gallery
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"date": "2026-01-29",
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{
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{
"date": "2013-12-21",
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"list_date": "2013-06-24T07:00:00Z",
"list_price": 24989,
"listing_id": "570224815",
"last_update_date": "2013-12-21T13:00:00Z",
"last_status_change_date": "2013-12-21T13:00:00Z"
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"event_name": "Listing removed",
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"price_change": 0,
"days_after_listed": "180 days",
"source_listing_id": "567827",
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{
"date": "2013-06-24",
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"listing": {
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"list_price": 24989,
"listing_id": "570224815",
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{
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"days_after_listed": "184 days",
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{
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"listing_id": "528754107",
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{
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"days_after_listed": "181 days",
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{
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"rent_price": 876.0,
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"purchase_price": 110000.0,
"loan_term_years": 30,
"annual_cash_flow": 6623.07,
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{
"note": "Selected 'Elec Heat: Ala Power'. The property has central heating. The fuel type was not specified, but an electric water heater suggests an all-electric setup. This electric option was chosen as the most consistent and among the most expensive choices.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Selected 'A/C: Alabama Power'. The property is equipped with central air conditioning, which is electric. Alabama Power is assumed to be the local provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for water heating. The property details explicitly state it has an 'Electric Water Heater'.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Elec: Ala Power' for cooking. The property includes a 'Convection Oven', which is electric.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power'. This covers general electric usage for lights and appliances. It includes the energy cost for a tenant-owned refrigerator as one is not listed as provided.",
"utility": "Other Electric (Lights, etc.)",
"allowance": 68
},
{
"note": "Selected 'Water: Birmingham'. The property is located in Birmingham and is connected to 'Public Water'.",
"utility": "Water",
"allowance": 78
},
{
"note": "The property is explicitly 'Sewer Connected'. The allowance is a fixed rate based on bedroom count from the schedule.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Irondale ISCL'. The property is in Birmingham, but the schedule lacks a specific option. Irondale is a neighboring city; this option was chosen as a plausible and more expensive choice among alternatives.",
"utility": "Trash Collection",
"allowance": 29
},
{
"note": "The property does not explicitly state a refrigerator is provided. This fixed allowance is included for a tenant-owned appliance as per the schedule.",
"utility": "Refrigerator (Tenant-Owned)",
"allowance": 8
},
{
"note": "The property does not explicitly state a microwave is provided. This fixed allowance is included for a tenant-owned appliance as per the schedule.",
"utility": "Range/Microwave (Tenant-Owned)",
"allowance": 6
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{
"summary": "Overall the property appears to be a tenant-occupied, structurally sound brick ranch with primarily cosmetic and mid-life capital needs. The most notable concerns from exterior photos are an aged roof (likely near replacement), rusted/dented window awnings, and typical site wear (uneven yard, worn concrete). No active structural collapse, standing water, or obvious electrical hazards are visible, but many NSPIRE-critical items (smoke/CO detectors, GFCI outlets, bedroom egress, HVAC/water heater operation) are interior and not confirmed. Given the tenant in place and absence of visible life-safety failures, the property is likely passable with focused repairs/verification, but expect a moderate number of inspection items to confirm or correct (smoke/CO, GFCI, roof verification, and mechanical checks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 65.0,
"rationale": "Exterior photos show a structurally intact single-story brick home with cosmetic wear: aged roof with dark staining/possible shingle wear, dented/rusted metal window awnings, minor staining at foundation, worn concrete at entry and driveway, and an overgrown/uneven front yard with a small deteriorating garden/retaining strip. No collapsed elements or obvious major structural damage visible. Tenant in place suggests interior appliances/systems likely functional but interior not shown. Overall condition indicates mostly cosmetic and mid-life capital repairs rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious life-threatening hazards visible from exterior photos: electrical meter/enclosure is present and appears intact, gutters/downspouts installed, no visible standing water, and front entry has only a small step (no missing guardrail issue). Unknowns include presence/operation of smoke and CO detectors, GFCI protection in kitchen/baths, bedroom egress windows, and interior wiring/grounding. Some exposed/looped utility/cable wiring is visible under the eave at the left corner; not clearly an electrical hazard but should be checked. Roof shows wear (possible leak risk in future) but no sagging or visible active leaks. Because many NSPIRE safety items are interior and not shown, score reflects moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Electrical/Plumbing)",
"score": 55.0,
"rationale": "Roof is visibly aged with staining and possible patched/missing shingle areas — likely near end of service life which raises immediate capital replacement risk. Electrical meter and service entry are present on the side and appear intact; no obvious exposed live conductors on the building face. No external HVAC condenser or water heater is visible in the provided photos (could be located at rear or out of frame). Plumbing and water-heating status cannot be confirmed. Given the visible roof wear and unknown condition of HVAC/plumbing, rate as moderate system risk requiring verification and possible near-term repairs."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Brick exterior appears largely intact and free of major cracks. Yard slopes toward the sides; low retaining/landscaping blocks show minor deterioration. Trees are close to the roof and could present future debris/roof risk. Carport and driveway are functional though concrete shows staining and minor wear. No visible infestation, standing water, or major foundation displacement evident from photos. Overall exterior condition is functional with some site/maintenance items to address."
},
{
"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": 0.65,
"assumptions": [
"Interior photos and condition were not provided; assume interior is occupied and generally functional since listing states an active tenant and recent rental record.",
"Appliances (stove, refrigerator, water heater) are presumed present and functional unless otherwise reported; missing appliances would be treated as moderate, not catastrophic, inspection issues.",
"HVAC condenser and other mechanical equipment are present but may be located at the rear or side of the house not shown in the provided photos.",
"Smoke and carbon monoxide detectors, GFCI outlets, and the condition of bedroom egress windows cannot be confirmed from the exterior photos and are assumed unknown—these typically require quick verification and could lower score if absent.",
"Roof shows visible wear and staining; assume no active, large interior leaks visible to the exterior photos, but roof likely near end of service life and should be inspected further.",
"Electrical service/meter visible on left side is assumed intact and code-compliant unless detailed inspection shows otherwise."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be a mostly serviceable, tenant-occupied single-family brick home with no obvious structural collapse or life-threatening exterior hazards. Primary concerns visible from photos are an aged roof with patching/discoloration that may need replacement in the near term and several interior/system items that cannot be verified from exterior images (smoke/CO detectors, HVAC functionality, GFCI protection, hot water). With moderate attention to the roof and verification of interior life-safety items, the home is likely to pass an initial HCV/NSPIRE inspection after 30 days or less assuming the tenant has maintained basic utilities. Immediate, easy repairs (cleaning, awning repair, small concrete repair) are minor; mechanical verification and possible roof work are the main items to budget for.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show a generally intact brick shell and carport with minor deferred maintenance: worn/dirty roof shingles with dark staining and several patchy areas, metal window awnings that are weathered, some staining/mildew on lower brick, and a small cracked/uneven concrete stoop/planter edge. No visible collapsed structures or severe exterior damage. Interior not shown; tenant-occupied status suggests basic upkeep. Missing interior cosmetic items or appliances cannot be confirmed from photos and were not penalized heavily. Overall condition indicates mostly cosmetic and mid-life capital repairs rather than urgent structural work."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No obvious life-safety hazards visible (no collapsed ceilings, no standing water, no obvious foundation movement). Exterior electrical service and meter appear intact. However, key NSPIRE safety items cannot be confirmed from exterior photos: presence and placement of smoke/CO detectors, GFCI protection in kitchen/baths, bedroom egress dimensions, interior exposed wiring, plumbing/hot water functionality, and secure deadbolt presence. The roof shows wear which increases risk of leaks. Minor unsecured/loose wiring or cable under eaves is visible at the left side but appears low risk. Given unknowns, there is a moderate compliance risk that would require interior verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 55.0,
"rationale": "Roof exhibits significant aging and patchy discoloration consistent with shingles nearing end-of-life — increased risk of future leaks and likely replacement within a few years. No exterior HVAC condenser is visible in the front photos (it may be rear/out-of-frame), so HVAC functionality and age are unverified. Electrical service appears present; water heater/plumbing not visible. Because major mechanical systems (HVAC, water heater, plumbing) cannot be confirmed from photos, and roof shows moderate deterioration, systems risk is moderate and would need inspection and testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick veneer and foundation appear intact with typical settling; yard is sloped but reasonably maintained. Driveway and carport provide covered parking; walk to front door is short (one step) so no missing guardrail issues apparent. Gutters/downspout are present. Some landscaping/erosion control at the front planter edge is deteriorated. No visible signs of infestation, standing water, or major drainage failure in provided views. Overall exterior/site is serviceable with minor cleanup and drainage attention recommended."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior condition is average-to-fair based on tenant occupancy; no evidence of catastrophic interior damage was provided.",
"Central HVAC and water heater exist but are not visible in provided photos (likely located out of frame); functionality is assumed but unverified.",
"Smoke detectors, carbon monoxide detectors (if required), and basic plumbing fixtures are present and functional, but placement and compliance with NSPIRE are unconfirmed.",
"Electrical service is active and electrical panel is intact (meter and service conduit visible), with no obvious exposed live wiring from exterior photos.",
"Bedroom windows meet egress requirements or are close enough in size; this is unconfirmed and requires interior measurement.",
"No active roof leaks were observed in photos; roof condition suggests increased future leak risk but not an active collapse."
],
"overall_score": 64.0,
"rubric_version": "ns_pire_v1.0"
},
{
"summary": "Overall this occupied 3-bed/2-bath brick ranch presents as an investment property that is likely to pass an initial HCV/NSPIRE inspection with minor repairs and verification of interior safety items. Primary concerns visible from photos are an aged roof that may require replacement in the near term, worn window awnings and minor site masonry/clean-up. Several NSPIRE items (smoke/CO detectors, GFCI, interior plumbing, egress windows, HVAC presence) cannot be confirmed from exterior photos and should be verified during due diligence; these create moderate inspection risk but no immediate visible life‑threatening hazards. With tenant in place and functioning utilities likely, estimate rent-ready after addressing detector/GFCI compliance and any small interior repairs (1–4 weeks) or roof work if required (longer if replaced).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior photos show an otherwise intact brick single‑story home with cosmetic deferred maintenance: dirty/aged window awnings, stained concrete at entry/carport, and a small failing brick edging/retaining strip at the front. No obvious broken windows, collapsed ceilings, or major exterior damage visible. Roof shows dark streaking and worn shingle surfaces (age related) but no visible sagging or open decking from photos. Missing/old awnings and likely worn roof are easy-to-medium capital repairs; missing interior appliance or fixture evidence not visible but listing notes an occupied tenant, reducing concern about immediate major interior failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "Photos do not confirm smoke/CO detectors, GFCI outlets, bedroom egress, handrails, or interior plumbing/electrical condition. Exterior shows service meter and intact siding/brick; no visible exposed high-voltage wiring or active standing water. Front step has no visible handrail (if rise is low this may be acceptable; if >4 steps a handrail would be required). Roof wear could lead to leaks if not addressed. Because many NSPIRE checkpoints cannot be verified visually (detectors, GFCI, hot water, functional plumbing/fixtures, egress), assign a conservative moderate risk score: likely passable with minor fixes but some items (detectors/GFCI/egress) may require correction."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 60.0,
"rationale": "Roof shows aged shingles and granule loss indicating limited remaining service life—replacement likely needed within a few years. No exterior HVAC condenser or water heater visible in photos (could be located on side/back of house out of frame). Electrical service and meter are present and appears intact; no open/disconnected service visible. With tenant in place and rental income active, basic systems are likely functional, but lack of visible HVAC unit and visible roof wear justify a moderate score for potential near-term capital work and verification of plumbing/HW and electrical panel condition."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate grounds",
"score": 70.0,
"rationale": "Brick exterior appears structurally sound with no visible major foundation cracks or sagging. Yard is sloped with some erosion/grass thinning but no standing water visible. Carport and driveway are usable; small concrete porch area is intact though stained. Downspout present on left side; visible eaves/gutters appear serviceable but may need cleaning/maintenance. Minor site cleanup and small masonry repair recommended, but no major exterior structural issues observed from photos."
},
{
"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": 0.6,
"assumptions": [
"Tenant in place and listing statement indicate utilities are active and basic systems (heating/cooling, water, electricity) are functional.",
"Interior conditions (smoke detectors, CO alarms, GFCI outlets, hot water, plumbing fixtures) are unknown — assumed possibly present but should be verified; absence of confirmation reduces safety score.",
"Roof is aged based on visual shingle wear/discoloration; no active leaks or collapsed decking visible from exterior photos but end-of-life replacement likely within a few years.",
"No major foundation movement or structural sagging exists because exterior brick wall and roofline appear straight in photos.",
"HVAC condenser and water heater are not visible in provided images but assumed to exist somewhere on site since property is occupied; their operational condition is unconfirmed.",
"Front porch rise is low (few steps); absence of a handrail was scored conservatively since exact step count is not visible."
],
"overall_score": 70.0,
"rubric_version": "nsPIRE-analyst-v1-2026-02-16"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "617 64th St S, Birmingham, AL, 35212",
"aggregate": {
"summary": "Overall the property appears to be a tenant-occupied, structurally sound brick ranch with primarily cosmetic and mid-life capital needs. The most notable concerns from exterior photos are an aged roof (likely near replacement), rusted/dented window awnings, and typical site wear (uneven yard, worn concrete). No active structural collapse, standing water, or obvious electrical hazards are visible, but many NSPIRE-critical items (smoke/CO detectors, GFCI outlets, bedroom egress, HVAC/water heater operation) are interior and not confirmed. Given the tenant in place and absence of visible life-safety failures, the property is likely passable with focused repairs/verification, but expect a moderate number of inspection items to confirm or correct (smoke/CO, GFCI, roof verification, and mechanical checks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 68.3,
"rationale": "Exterior photos show a structurally intact single-story brick home with cosmetic wear: aged roof with dark staining/possible shingle wear, dented/rusted metal window awnings, minor staining at foundation, worn concrete at entry and driveway, and an overgrown/uneven front yard with a small deteriorating garden/retaining strip. No collapsed elements or obvious major structural damage visible. Tenant in place suggests interior appliances/systems likely functional but interior not shown. Overall condition indicates mostly cosmetic and mid-life capital repairs rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.3,
"rationale": "Brick exterior appears largely intact and free of major cracks. Yard slopes toward the sides; low retaining/landscaping blocks show minor deterioration. Trees are close to the roof and could present future debris/roof risk. Carport and driveway are functional though concrete shows staining and minor wear. No visible infestation, standing water, or major foundation displacement evident from photos. Overall exterior condition is functional with some site/maintenance items to address."
},
{
"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 Risk",
"score": 60.0,
"rationale": "No obvious life-threatening hazards visible from exterior photos: electrical meter/enclosure is present and appears intact, gutters/downspouts installed, no visible standing water, and front entry has only a small step (no missing guardrail issue). Unknowns include presence/operation of smoke and CO detectors, GFCI protection in kitchen/baths, bedroom egress windows, and interior wiring/grounding. Some exposed/looped utility/cable wiring is visible under the eave at the left corner; not clearly an electrical hazard but should be checked. Roof shows wear (possible leak risk in future) but no sagging or visible active leaks. Because many NSPIRE safety items are interior and not shown, score reflects moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Electrical/Plumbing)",
"score": 56.7,
"rationale": "Roof is visibly aged with staining and possible patched/missing shingle areas — likely near end of service life which raises immediate capital replacement risk. Electrical meter and service entry are present on the side and appear intact; no obvious exposed live conductors on the building face. No external HVAC condenser or water heater is visible in the provided photos (could be located at rear or out of frame). Plumbing and water-heating status cannot be confirmed. Given the visible roof wear and unknown condition of HVAC/plumbing, rate as moderate system risk requiring verification and possible near-term repairs."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"Interior photos and condition were not provided; assume interior is occupied and generally functional since listing states an active tenant and recent rental record.",
"Appliances (stove, refrigerator, water heater) are presumed present and functional unless otherwise reported; missing appliances would be treated as moderate, not catastrophic, inspection issues.",
"HVAC condenser and other mechanical equipment are present but may be located at the rear or side of the house not shown in the provided photos.",
"Smoke and carbon monoxide detectors, GFCI outlets, and the condition of bedroom egress windows cannot be confirmed from the exterior photos and are assumed unknown—these typically require quick verification and could lower score if absent.",
"Roof shows visible wear and staining; assume no active, large interior leaks visible to the exterior photos, but roof likely near end of service life and should be inspected further.",
"Electrical service/meter visible on left side is assumed intact and code-compliant unless detailed inspection shows otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 63.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7446181742"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.