Property ID: 7447873231
912 Erie St, Birmingham, AL, 35224
Birmingham, AL
Money Down: $19,200
CoC Return: 22.77%
Monthly Cash Flow: $364
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$16,000
Closing Costs
$3,200
Total Down
$19,200
Investment Snapshot
Purchase Price
$80,000
Money Down
$19,200
Cash-on-Cash Return
22.77%
Rent
$995
Monthly Cash Flow
$364
Annual Cash Flow
$4,371
Debt Service / Mo
$426
Property Tax / Mo
$57
Insurance / Mo
$48
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$995
Payment Standard
$1,518
Rent
$995
Insurance
$48
Property Tax
$57
Management
$100
Utilities Allowance
$523
NOI (Monthly)
$790
Debt Service
$426
Cash Flow After Debt
$364
Quality Score: 70.40%
Confidence: 68.00%
Overall the property appears to be a mostly serviceable, tenant-occupied bungalow with moderate cosmetic deferred maintenance (peeling paint, worn porch steps, fence) but no obvious major structural failures in the provided photos. Because there is an active Section 8 tenant and recent rental activity, major life-safety systems are likely functioning, though interior verification is needed for smoke/CO detectors, GFCI outlets, HVAC, and hot water. Expect minor-to-moderate repairs (paint, porch carpentry, fence, and verification/installation of required detectors/GFCIs) before a new NSPIRE inspection if any items have been removed or degraded. Estimated readiness: likely rent-ready within 2–4 weeks if interior safety items are present or quickly addressed.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$995
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$80,000
Beds
3
Baths
1
Living Area
1,260 sqft
Lot Size
6,534 sqft
Year Built
1926
Days on Market
163
Capital Outlay
$19,200
Debt Service
$426
Property Tax / Mo
$57
Insurance / Mo
$48
Property Description
Take advantage of this excellent opportunity to invest in a recently updated income-producing property. Located in the Wylam community, 912 Erie St is currently leased to a dependable Section 8 tenant, generating $1046 in guaranteed monthly rent. This three-bedroom, one-bathroom home offers comfortable living space and a strong rental history, making it a turnkey addition to any investor's portfolio. The tenant in place ensures reliable cash flow from day one. Situated close to schools, public transportation, and local amenities, this property appeals to renters seeking both convenience and comfort. With the added security of a Section 8 lease, this is a low-risk, high-reward opportunity for both new and seasoned investors.
Utility Allowances
Cooking
$21
Selected 'Elec: Ala Power'. The property does not include a range/stove, so it is assumed the tenant will provide an electric one, which is consistent with the property's other electric systems.
Cooling
$22
Selected 'A/C: Alabama Power' as the property has 'Central Air' and Alabama Power is the primary provider for the Birmingham area.
Heating
$93
Selected 'Elec Heat: Ala Power'. The property has 'Central' heating with no specified fuel type. Electric was chosen as it is consistent with the electric water heater and is the more expensive option.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for general electric use. This allowance includes electricity for a tenant-provided refrigerator.
Water Heating
$56
Selected 'Elec: Ala Power' as the property explicitly lists an 'Electric Water Heater'.
Water
$78
Selected 'Water: Birmingham' as the property is located in Birmingham and connects to 'Public Water', matching a specific option in the schedule.
Sewer
$151
Selected as the property information explicitly states it is 'Sewer Connected'.
Trash Collection
$20
Selected 'Mulga ISCL' because the property is described as being in the 'Mulga, Wylam' area, which is a specific option in the schedule.
Refrigerator
$8
Included because the property does not provide a refrigerator, making it a tenant-owned utility expense.
Range/Microwave
$6
Included because the property does not provide a microwave, making it a tenant-owned utility expense.
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$451
DP3 Annual Estimate$712
DP1 Monthly Equivalent$38
DP3 Monthly Equivalent$59
Replacement Value$41,400
Basis1,260 sqft / 1926
Nearby Houses
Photo unavailable
4120 10th Ave
sold · 0.04 mi
Price: $40,000
4 bd / 2 ba · 2,138 sqft
Latest sale: $40,000 on May 29, 2025
Latest rent: —
Photo unavailable
911 Erie St
sold · 0.05 mi
Price: $155,000
3 bd / 3 ba · 1,828 sqft
Latest sale: $155,000
Latest rent: —
Photo unavailable
4201 10th Ave
for_sale · 0.06 mi
Price: $80,000
3 bd / 1 ba · 1,344 sqft
Latest sale: $22,833 on Jun 03, 2021
Latest rent: —
Photo unavailable
1008 Frisco St
sold · 0.07 mi
Price: $58,000
3 bd / 1 ba · 1,356 sqft
Latest sale: $58,000 on Apr 03, 2023
Latest rent: —
Photo unavailable
4116 11th Ave
sold · 0.09 mi
Price: $19,000
3 bd / 1 ba · 1,204 sqft
Latest sale: $19,000 on Dec 20, 2018
Latest rent: —
Photo unavailable
4212 9th Ave
sold · 0.10 mi
Price: $65,000
3 bd / 1 ba · 1,918 sqft
Latest sale: $65,000 on Jan 12, 2024
Latest rent: $750 on Sep 07, 2019
Risk and Criteria Detail
Red Flags
- success
- Peeling exterior paint on original wood elements (possible lead-based paint risk due to 1926 build).
- Porch posts/columns and railings show surface deterioration and peeling paint—possible localized rot requiring carpentry repair.
- No smoke or carbon monoxide detectors visible in photos — must confirm presence and functionality for NSPIRE compliance.
Assumptions
- Interior photos and mechanical/electrical panels were not provided; assume tenant-occupied systems (heating/cooling, hot water, basic electrical) are functioning unless inspection reveals otherwise.
- No active roof leaks or interior water damage exist since no stains or sagging are visible from exterior; roof is assumed serviceable from front elevation.
- Bedrooms have appropriately sized egress windows typical of original bungalow floorplans; egress not verifiable from provided photos.
- Smoke and CO detectors, GFCI outlets, and proper deadbolt presence are not visible in photos; scored assuming they may be present because of active Section 8 tenancy but should be confirmed.
- Peeling paint on exterior wood elements may be lead-based given 1926 construction and will require reconciliation per HUD/NSPIRE if disturbed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $664 | $45,800 | $9,160 |
| 2023 | $664 | $45,800 | $9,160 |
| 2022 | $493 | $34,000 | $6,800 |
| 2021 | $493 | $34,000 | $6,800 |
| 2020 | $493 | $34,000 | $6,800 |
| 2019 | $493 | $41,400 | $8,280 |
| 2018 | $498 | $34,400 | $6,880 |
| 2017 | $498 | $34,400 | $6,880 |
| 2016 | $498 | $34,400 | $6,880 |
| 2015 | $498 | $34,400 | $6,880 |
| 2013 | $484 | $33,800 | $6,760 |
| 2012 | $484 | $33,800 | $6,760 |
| 2011 | $493 | $34,400 | $6,880 |
| 2010 | $493 | $34,400 | $6,880 |
| 2009 | $493 | $34,400 | $6,880 |
| 2008 | $504 | $35,200 | $7,040 |
| 2007 | $495 | $34,600 | $6,920 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1988-08-01 | Sold | $8,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-06-21 | Listed for rent | $1,100 | — |
| 2024-06-11 | Listed for rent | $1,100 | — |
| 2024-01-22 | Listed for rent | $1,100 | — |
| 2018-01-02 | Listed for rent | $675 | — |
| 2017-01-18 | Listed for rent | $700 | — |
Photo Gallery
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"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 4371.06,
"property_management_monthly": 99.5,
"monthly_cash_flow_after_debt": 364.25,
"cash_on_cash_return_after_debt": 0.27
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be a mostly serviceable, tenant-occupied bungalow with moderate cosmetic deferred maintenance (peeling paint, worn porch steps, fence) but no obvious major structural failures in the provided photos. Because there is an active Section 8 tenant and recent rental activity, major life-safety systems are likely functioning, though interior verification is needed for smoke/CO detectors, GFCI outlets, HVAC, and hot water. Expect minor-to-moderate repairs (paint, porch carpentry, fence, and verification/installation of required detectors/GFCIs) before a new NSPIRE inspection if any items have been removed or degraded. Estimated readiness: likely rent-ready within 2–4 weeks if interior safety items are present or quickly addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Exterior photos show moderate deferred maintenance: peeling paint on porch posts, railings and picket fence; worn paint on front steps; weathered porch columns with surface deterioration. No evidence of collapsed elements or widespread structural failure. Missing appliances are not visible in exterior photos; listing indicates a leased, recently updated income-producing property which suggests interior cosmetic updates may have been completed. Overall condition suggests cosmetic and limited carpentry/paint work needed but not major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible (no sagging roof, no collapsed ceilings, no standing water). Porch has handrails and guardrail present. However, photos do not show smoke or CO detectors, GFCI outlets, electrical panel, or interior egress details — these are required for NSPIRE compliance. Exterior peeling paint on a 1926 house raises potential lead-based paint risk that would need evaluation. Metal security/storm door is present which often indicates a deadbolt, but the presence/function of required detectors and GFCIs is unconfirmed. Given tenant in place and active Section 8 lease, basic safety systems are likely present but not verifiable from images."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof/HVAC/electrical/plumbing)",
"score": 65.0,
"rationale": "Roof appears intact from front elevations with no visible sagging or missing large roof areas, suggesting no immediate major roof failure. No HVAC equipment, meter, water heater, or electrical panel is visible in the photos; interior/system condition must be confirmed. The property is currently tenant-occupied with consistent rent receipts per listing, which implies functioning heating/cooling and hot water, but age (1926) indicates systems may be older. Score reflects likely operational but aging systems and uncertainty about GFCI, panel condition and water heater age."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Yard is maintained at a basic level; sidewalk and entry path are serviceable though the front fence is peeling and slightly uneven. Vinyl siding looks generally intact. Foundation is not clearly visible; no obvious large foundation cracks or major settlement evident from photos. Driveway and rear site areas are not well shown. Fencing and porch finishes need maintenance; no obvious infestation or drainage/erosion problems visible from provided angles."
},
{
"key": "rental_history_activity",
"label": "Rental history / recent activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Peeling exterior paint on original wood elements (possible lead-based paint risk due to 1926 build).",
"Porch posts/columns and railings show surface deterioration and peeling paint—possible localized rot requiring carpentry repair.",
"No smoke or carbon monoxide detectors visible in photos — must confirm presence and functionality for NSPIRE compliance."
],
"confidence": 0.7,
"assumptions": [
"Interior photos and mechanical/electrical panels were not provided; assume tenant-occupied systems (heating/cooling, hot water, basic electrical) are functioning unless inspection reveals otherwise.",
"No active roof leaks or interior water damage exist since no stains or sagging are visible from exterior; roof is assumed serviceable from front elevation.",
"Bedrooms have appropriately sized egress windows typical of original bungalow floorplans; egress not verifiable from provided photos.",
"Smoke and CO detectors, GFCI outlets, and proper deadbolt presence are not visible in photos; scored assuming they may be present because of active Section 8 tenancy but should be confirmed.",
"Peeling paint on exterior wood elements may be lead-based given 1926 construction and will require reconciliation per HUD/NSPIRE if disturbed."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and listing metadata (active Section 8 tenancy), the property appears largely turnkey for voucher tenancy with mostly cosmetic exterior repairs (paint, porch trim, fence) and no visible major structural or life‑safety failures. Systems and interior compliance items (smoke/CO detectors, GFCI, functioning HVAC and hot water) are not visible but are likely present because the property is occupied under Section 8; recommended pre-purchase verification of detectors, GFCIs, and interior plumbing/electrical. Estimated readiness: likely rent-ready within 1–2 weeks for minor touch-ups; moderate if interior/system repairs are required. Overall score 81 (turnkey/minimal work).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Exterior shows cosmetic deferred maintenance: peeling paint on picket fence and porch columns, worn porch steps and painted surfaces, minor trim wear. Siding and brick porch base appear intact with no visible major structural damage. Occupied/maintained appearance (decorations, lawn kept) and listing states 'recently updated' and active Section 8 tenancy, which supports that many interior finishes are likely acceptable. Missing interior appliance and fixture details cannot be confirmed from exterior photos; missing appliances would reduce score modestly but listing indicates income-producing unit in use. Overall mostly cosmetic work required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 82.0,
"rationale": "No obvious life‑threatening exterior hazards visible: porch has handrails on both sides of main steps, no collapsed elements, roofline appears straight without sag, no standing water observed. No exposed high‑voltage wiring is visible from photos. Because the property is currently leased as a Section 8 unit (listing states tenant in place and recent rental events), it is likely the property recently met program inspection standards. Items that cannot be verified from photos—smoke/CO detectors, GFCI outlets, bedroom egress sizes, hot water, interior leaks or mold—are assumed present/operational for scoring but noted in assumptions. Main visible safety concerns are peeling paint on exterior wood (potential lead risk in a 1926 house) and worn fence; these are not immediate life‑safety failures but require attention per NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 70.0,
"rationale": "Roof appears intact from available images (no visible large missing shingles or sag), soffits and eaves appear generally intact. No HVAC equipment is visible in exterior photos; presence and operational status of heating/cooling, hot water heater, plumbing and electrical panel cannot be confirmed. Presence of an active tenant and recent rental events increases likelihood systems are functional, but unknowns remain. Score reflects likely operable systems but recognizes uncertainty without interior or utility photos/records."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 72.0,
"rationale": "Front yard is mowed and property appears occupied. Front picket fence is weathered with peeling paint and some leaning sections; gate alignment looks slightly off. Walkway and concrete at public edge show typical wear but no major trip hazards visible. Side yard shows a fence and small shed; driveway/access appears passable. Vegetation near the structure is moderate but not overtly overgrown against the house. Overall site is fair but needs paint/wood repair on fencing and porch trim."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (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": 0.7,
"assumptions": [
"Interior features (smoke detectors, CO detectors where required, working hot water and functioning plumbing) are present/operational because the listing states an active Section 8 tenant and recent rental events.",
"The unit has passed a Section 8 inspection recently enough to allow current tenancy (listing claims tenant in place and guaranteed rent).",
"No active roof leaks, severe mold, or interior structural failures exist since none are visible from exterior photos and the house is occupied.",
"HVAC and water heater are present and functional, but their exact condition cannot be confirmed from exterior photos.",
"Electrical service and panel are intact and without hazardous exposed wiring; no external high‑voltage issues are visible.",
"Peeling paint on exterior wood may be lead‑based risk due to year built (1926) and will require testing/abatement if disturbed."
],
"overall_score": 81.0,
"rubric_version": "nsPIRE_v1.0_image_assessment_2026-02"
},
{
"summary": "Overall this property appears to be rent-ready with mostly cosmetic exterior repairs and some typical inspection unknowns. Exterior envelope and porch are intact; primary issues are peeling paint (porch trim and picket fence) and general cosmetic wear. Mechanical and safety items (smoke/CO detectors, GFCI, HVAC/water heater, electrical panel) are not visible in photos and should be confirmed, but the active Section 8 tenancy and recent rental history strongly suggest systems are functioning. Likely outcome: passable for HCV/NSPIRE with minor repairs and verification (1–4 weeks) assuming interior detectors and systems are operational; if interior detectors or GFCI are missing, those are quick fixes. If any hidden system failures are found (HVAC or water heater nonfunctional), that would extend preparation time.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show a largely intact bungalow with vinyl siding and painted brick porch skirt; no collapsed elements visible. Visible deferred maintenance is mostly cosmetic: peeling paint on porch columns/railings and picket fence, worn paint on front steps, and a slightly sagging wooden yard gate. Porch columns show surface paint loss that may require scraping/paint and localized wood repair. No visible evidence of collapsed flooring, major rot, or structural framing failure. Missing interior photos prevent verification of appliances and interior finishes; listing indicates recent updates and active tenancy, so major interior defects are not assumed. Overall: minor-to-moderate cosmetic repairs needed, not capital-structural work."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 68.0,
"rationale": "No obvious life-threatening hazards visible from exterior photos: stairs have metal handrails on both sides, porch appears stable, and no collapsed ceilings or standing water are evident. Entry has a security/metal door which likely includes a lock. Negative observations/information gaps: peeling paint on original wood trim/columns and picket fence (property built 1926 — potential lead-paint hazard where paint is deteriorated), no visible smoke/CO detectors (interior not shown), bedroom egress, GFCI in kitchen/bath, and electrical panel condition are unknown. No exposed electrical conductors or active roof leaks visible from photos. Because the property is currently a Section 8 tenancy (per listing), it likely has passed recent inspections, which supports compliance, but unverified interior detector and GFCI status reduce score to a moderate-high risk level."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 60.0,
"rationale": "Roofline and visible shingles appear reasonably even with no visible sagging or large missing areas, suggesting no immediate major roof failure from exterior view. However, no mechanical systems (HVAC condenser, water heater, electrical panel) are visible in provided photos. The house age (1926) raises the probability of older plumbing/electrical components unless updated; listing claims recent updates and an occupied Section 8 tenant generating rent, which implies operational heating/cooling and hot water, but these are not verified. Due to unknowns on HVAC presence/condition, water heater, and electrical distribution (GFCI, panel), the systems score is moderate — there may be inspection items that require repair but nothing obvious from photos indicates imminent system failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Yard is maintained and fenced, providing tenant safety and demarcation. Foundation brick at porch appears intact with no visible large cracks or displacement. Walkway has minor cracking and paint-peeling fence pickets around the lot; driveway/side alley is present but not fully shown. Vegetation is not overgrown around the house. Gate/fence condition is deteriorated and will need repair or replacement to meet typical habitability expectations. No visible evidence of infestation, standing water, or major grading problems in photos. Overall exterior and site are serviceable with localized repairs needed."
},
{
"key": "rental_history_activity",
"label": "Rental History / Section 8 Activity",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Peeling/deteriorated paint on porch columns, trim, and picket fence — potential lead-paint hazard (house built 1926) where paint is deteriorated.",
"No interior photos: smoke detectors and carbon monoxide detectors not visible/verified (NSPIRE requirement).",
"Major mechanicals (HVAC condenser, water heater, electrical panel) are not visible in provided photos — unknown condition and potential inspection risk if found nonfunctional.",
"Wood fence/gate shows rot/structural deterioration and may fail inspection for safety/egress or present trip/hazard issues if not repaired."
],
"confidence": 0.7,
"assumptions": [
"Interior conditions (smoke/CO detectors, GFCI outlets, kitchen/bath fixtures, flooring, ceilings) are not visible; assume they are serviceable unless landlord disclosure or tenant reports indicate otherwise.",
"Listing statement that the property is 'recently updated' and an active Section 8 tenancy imply that heating, hot water, and basic electrical systems are operational, but exact condition/age of HVAC and water heater are unknown.",
"Appliances (stove, refrigerator) are not shown; assume tenant has functioning appliances since property is leased, but owner should verify and replace if required by inspection.",
"Porch structural members (posts, decking) are assumed to be sound based on lack of visible sagging or deformation; localized wood rot possible where paint is deteriorated.",
"Roof is assumed watertight at present based on even roofline and no visible stains/leaks from exterior photos, but a closer roof inspection is recommended.",
"No interior mold, active leaks, or structural failures are assumed since none are visible externally and property is tenant-occupied."
],
"overall_score": 67.0,
"rubric_version": "ns-pvr-2026-1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "912 Erie St, Birmingham, AL, 35224",
"aggregate": {
"summary": "Overall the property appears to be a mostly serviceable, tenant-occupied bungalow with moderate cosmetic deferred maintenance (peeling paint, worn porch steps, fence) but no obvious major structural failures in the provided photos. Because there is an active Section 8 tenant and recent rental activity, major life-safety systems are likely functioning, though interior verification is needed for smoke/CO detectors, GFCI outlets, HVAC, and hot water. Expect minor-to-moderate repairs (paint, porch carpentry, fence, and verification/installation of required detectors/GFCIs) before a new NSPIRE inspection if any items have been removed or degraded. Estimated readiness: likely rent-ready within 2–4 weeks if interior safety items are present or quickly addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 72.7,
"rationale": "Exterior photos show moderate deferred maintenance: peeling paint on porch posts, railings and picket fence; worn paint on front steps; weathered porch columns with surface deterioration. No evidence of collapsed elements or widespread structural failure. Missing appliances are not visible in exterior photos; listing indicates a leased, recently updated income-producing property which suggests interior cosmetic updates may have been completed. Overall condition suggests cosmetic and limited carpentry/paint work needed but not major rehab."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 69.7,
"rationale": "Yard is maintained at a basic level; sidewalk and entry path are serviceable though the front fence is peeling and slightly uneven. Vinyl siding looks generally intact. Foundation is not clearly visible; no obvious large foundation cracks or major settlement evident from photos. Driveway and rear site areas are not well shown. Fencing and porch finishes need maintenance; no obvious infestation or drainage/erosion problems visible from provided angles."
},
{
"key": "rental_history_activity",
"label": "Rental history / recent activity (bonus)",
"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 risk",
"score": 73.3,
"rationale": "No obvious life-threatening hazards visible (no sagging roof, no collapsed ceilings, no standing water). Porch has handrails and guardrail present. However, photos do not show smoke or CO detectors, GFCI outlets, electrical panel, or interior egress details — these are required for NSPIRE compliance. Exterior peeling paint on a 1926 house raises potential lead-based paint risk that would need evaluation. Metal security/storm door is present which often indicates a deadbolt, but the presence/function of required detectors and GFCIs is unconfirmed. Given tenant in place and active Section 8 lease, basic safety systems are likely present but not verifiable from images."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof/HVAC/electrical/plumbing)",
"score": 65.0,
"rationale": "Roof appears intact from front elevations with no visible sagging or missing large roof areas, suggesting no immediate major roof failure. No HVAC equipment, meter, water heater, or electrical panel is visible in the photos; interior/system condition must be confirmed. The property is currently tenant-occupied with consistent rent receipts per listing, which implies functioning heating/cooling and hot water, but age (1926) indicates systems may be older. Score reflects likely operational but aging systems and uncertainty about GFCI, panel condition and water heater age."
}
],
"red_flags": [
"Peeling exterior paint on original wood elements (possible lead-based paint risk due to 1926 build).",
"Porch posts/columns and railings show surface deterioration and peeling paint—possible localized rot requiring carpentry repair.",
"No smoke or carbon monoxide detectors visible in photos — must confirm presence and functionality for NSPIRE compliance."
],
"confidence": 0.68,
"assumptions": [
"Interior photos and mechanical/electrical panels were not provided; assume tenant-occupied systems (heating/cooling, hot water, basic electrical) are functioning unless inspection reveals otherwise.",
"No active roof leaks or interior water damage exist since no stains or sagging are visible from exterior; roof is assumed serviceable from front elevation.",
"Bedrooms have appropriately sized egress windows typical of original bungalow floorplans; egress not verifiable from provided photos.",
"Smoke and CO detectors, GFCI outlets, and proper deadbolt presence are not visible in photos; scored assuming they may be present because of active Section 8 tenancy but should be confirmed.",
"Peeling paint on exterior wood elements may be lead-based given 1926 construction and will require reconciliation per HUD/NSPIRE if disturbed."
],
"score_method": "mean_of_criteria",
"overall_score": 70.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7447873231"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.