Property ID: 7460495013
537 Grant St, Midfield, AL, 35228
Midfield, AL
Money Down: $25,200
CoC Return: 9.24%
Monthly Cash Flow: $194
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,000
Closing Costs
$4,200
Total Down
$25,200
Investment Snapshot
Purchase Price
$105,000
Money Down
$25,200
Cash-on-Cash Return
9.24%
Rent
$1,061
Monthly Cash Flow
$194
Annual Cash Flow
$2,328
Debt Service / Mo
$559
Property Tax / Mo
$129
Insurance / Mo
$73
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,061
Payment Standard
$1,584
Rent
$1,061
Insurance
$73
Property Tax
$129
Management
$106
Utilities Allowance
$523
NOI (Monthly)
$753
Debt Service
$559
Cash Flow After Debt
$194
Quality Score: 70.50%
Confidence: 95.00%
Based on exterior photos and the listing description, this 3BR/1BA home appears largely turn-key with a durable metal roof, intact siding and windows, and a functional yard and driveway. Visible issues are mostly cosmetic and maintenance items (gutter/patio cleaning, driveway cracks, rusted security door hardware, minor siding staining). Major systems (HVAC, water heater, interior electrical, smoke/CO detectors, GFCI) are not visible in the photos — their unverified status reduces the mechanical and safety scores. With a short interior check (confirm smoke/CO detectors, GFCI outlets, functional HVAC and hot water, and minor exterior maintenance) this property would likely pass an initial HCV/NSPIRE inspection and be rent-ready within 2–4 weeks.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,061
Property Management
$106
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$105,000
Beds
3
Baths
1
Living Area
1,444 sqft
Lot Size
6,970 sqft
Year Built
1953
Days on Market
86
Capital Outlay
$25,200
Debt Service
$559
Property Tax / Mo
$129
Insurance / Mo
$73
Property Description
Welcome home to this spacious and beautifully updated 3BR/1BA property in the heart of Midfield! Offering generous square footage inside and a large yard outside, this home provides plenty of room for comfortable living and entertaining. Inside, you'll find fresh paint throughout, a bright and inviting living space, and an updated kitchen featuring sleek granite countertops and ample cabinet storage. The metal roof adds both style and long-term durability, giving peace of mind for years to come. Whether you're a first-time homebuyer looking for move-in ready comfort or an investor seeking a turn-key addition to your portfolio, this property is an excellent opportunity. Conveniently located near schools, shopping, and major interstates, 537 Grant Street combines space, updates, and value all in one. Don't miss your chance to make this well-maintained home yours today!
Utility Allowances
Heating
$93
Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The property has central heat; fuel is assumed to be electric as the water heater is electric and no gas service is mentioned. Alabama Power is a major provider in the area and was chosen as the most expensive electric option.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property details list 'Central (COOL)'. Alabama Power is a major provider and was chosen.
Water Heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details explicitly state 'Water Heaters: Electric (WTRHTR)'. Alabama Power is a major regional provider.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. The kitchen photos show an electric stove. As the provider is not specified, the most expensive electric option was chosen.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit. The property lists 'Public Water'. Midfield is served by the Birmingham Water Works Board.
Sewer
$151
Selected the fixed sewer rate for a 3-bedroom unit. The property is explicitly 'Connected' to a sewer system.
Trash Collection
$20
Selected 'Jefferson City (Once per week)' for a 3-bedroom unit. The property's city, Midfield, is not listed; this option was chosen as a reasonable proxy for an unlisted city in Jefferson County.
Other Electric (Lights, etc.)
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit, consistent with other electric utility provider selections.
Refrigerator (Tenant-owned)
$8
The property listing does not mention a refrigerator, so it is assumed to be tenant-provided. Using the fixed rate from the schedule.
Range/Microwave (Tenant-owned)
$6
The property listing does not mention a microwave, so it is assumed to be tenant-provided. Using the fixed rate from 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$727
DP3 Annual Estimate$1,029
DP1 Monthly Equivalent$61
DP3 Monthly Equivalent$86
Replacement Value$98,400
Basis1,444 sqft / 1953
Nearby Houses
Photo unavailable
540 Lovett St
sold · 0.02 mi
Price: $119,000
3 bd / 1 ba · 1,046 sqft
Latest sale: $119,000 on Sep 05, 2025
Latest rent: —
Photo unavailable
529 Grant St
sold · 0.02 mi
Price: $24,000
3 bd / 1 ba · 1,011 sqft
Latest sale: $24,000
Latest rent: —
Photo unavailable
528 Lovett St
sold · 0.03 mi
Price: $150,000
5 bd / 2 ba · 2,064 sqft
Latest sale: $150,000
Latest rent: —
Photo unavailable
521 Grant St
sold · 0.05 mi
Price: $80,000
3 bd / 2 ba · 1,368 sqft
Latest sale: $80,000
Latest rent: —
Photo unavailable
1717 Collier Dr
sold · 0.05 mi
Price: $53,000
4 bd / 2 ba · 1,699 sqft
Latest sale: $53,000
Latest rent: —
Photo unavailable
1721 Collier Dr
sold · 0.05 mi
Price: $66,300
2 bd / 1 ba · 925 sqft
Latest sale: $66,300
Latest rent: —
Photo unavailable
1713 Collier Dr
sold · 0.06 mi
Price: $62,900
3 bd / 1 ba · 1,020 sqft
Latest sale: $62,900
Latest rent: —
Photo unavailable
1813 Stone Rd
sold · 0.07 mi
Price: $47,800
2 bd / 1 ba · 917 sqft
Latest sale: $47,800
Latest rent: —
Photo unavailable
517 Lovett St
sold · 0.08 mi
Price: $68,000
3 bd / 1 ba · 1,110 sqft
Latest sale: $68,000
Latest rent: —
Photo unavailable
1808 Collier Dr
sold · 0.08 mi
Price: $83,000
2 bd / 1 ba · 1,174 sqft
Latest sale: $83,000
Latest rent: —
Photo unavailable
524 Elam St
sold · 0.08 mi
Price: $165,000
3 bd / 2 ba · 1,700 sqft
Latest sale: $165,000
Latest rent: —
Photo unavailable
508 Lovett St
sold · 0.09 mi
Price: $42,000
3 bd / 1 ba · 1,007 sqft
Latest sale: $42,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior has been updated as stated (fresh paint, updated kitchen) and no severe interior damage exists.
- Smoke detectors and CO detector (where required) are installed or will be installed prior to lease-up.
- An operational HVAC system and hot water heater exist though not visible in photos; if absent this will reduce readiness significantly.
- Electrical service is intact and there are no major hidden electrical hazards (no visible exposed wiring in photos).
- No active mold, major pest infestation or concealed structural damage exists beyond what is visible from exterior imagery.
- Missing appliances (stove, refrigerator) are not shown in photos; absence would be a moderate, fixable deduction but not an automatic fail.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,501 | $111,000 | $19,460 |
| 2023 | $1,501 | $100,100 | $18,200 |
| 2022 | $1,206 | $80,500 | $14,620 |
| 2021 | $1,290 | $86,100 | $15,640 |
| 2020 | $1,290 | $86,100 | $15,640 |
| 2019 | $1,290 | $86,100 | $15,640 |
| 2018 | $1,161 | $77,500 | $14,080 |
| 2017 | $1,161 | $77,500 | $14,080 |
| 2016 | $1,161 | $77,500 | $14,080 |
| 2015 | $1,161 | $77,500 | $14,080 |
| 2013 | $1,149 | $76,300 | $13,860 |
| 2012 | $1,149 | $82,830 | $16,566 |
| 2011 | $1,200 | $86,500 | $17,300 |
| 2010 | $1,200 | $86,500 | $17,300 |
| 2009 | $1,200 | $86,500 | $17,300 |
| 2008 | $1,227 | $88,500 | $17,700 |
| 2007 | $1,209 | $87,200 | $17,440 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-22 | Listed | $105,000 |
| 2025-07-15 | Listing removed | $0 |
| 2025-06-13 | Price Changed for rent | $1,225 |
| 2025-06-06 | Price Changed for rent | $1,250 |
| 2025-05-20 | Listed for rent | $1,300 |
| 2025-03-19 | Listing removed | $0 |
| 2025-02-03 | Listed for rent | $1,300 |
| 2024-12-31 | Listing removed | $0 |
| 2024-12-13 | Listed for rent | $1,300 |
| 2022-11-28 | Listing removed | $0 |
| 2022-11-23 | Listing removed | $0 |
| 2022-11-22 | Listing removed | $0 |
| 2022-11-21 | Listed for rent | $1,100 |
| 2022-10-02 | Listing removed | $0 |
| 2022-10-01 | Listing removed | $0 |
| 2022-09-17 | Listed for rent | $1,100 |
| 2022-09-14 | Listed for rent | $1,100 |
| 2022-08-30 | Sold | $128,000 |
Photo Gallery
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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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{
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{
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},
{
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{
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},
{
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},
{
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"assessment": {
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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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{
"date": "2025-06-06",
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{
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{
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{
"date": "2025-02-03",
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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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{
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{
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{
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{
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],
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},
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"bedroom_count": 3,
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"annual_cash_flow": 9034.77,
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],
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},
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{
"note": "Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The property has central heat; fuel is assumed to be electric as the water heater is electric and no gas service is mentioned. Alabama Power is a major provider in the area and was chosen as the most expensive electric option.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property details list 'Central (COOL)'. Alabama Power is a major provider and was chosen.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details explicitly state 'Water Heaters: Electric (WTRHTR)'. Alabama Power is a major regional provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. The kitchen photos show an electric stove. As the provider is not specified, the most expensive electric option was chosen.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit. The property lists 'Public Water'. Midfield is served by the Birmingham Water Works Board.",
"utility": "Water",
"allowance": 78
},
{
"note": "Selected the fixed sewer rate for a 3-bedroom unit. The property is explicitly 'Connected' to a sewer system.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Jefferson City (Once per week)' for a 3-bedroom unit. The property's city, Midfield, is not listed; this option was chosen as a reasonable proxy for an unlisted city in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit, consistent with other electric utility provider selections.",
"utility": "Other Electric (Lights, etc.)",
"allowance": 68
},
{
"note": "The property listing does not mention a refrigerator, so it is assumed to be tenant-provided. Using the fixed rate from the schedule.",
"utility": "Refrigerator (Tenant-owned)",
"allowance": 8
},
{
"note": "The property listing does not mention a microwave, so it is assumed to be tenant-provided. Using the fixed rate from the schedule.",
"utility": "Range/Microwave (Tenant-owned)",
"allowance": 6
}
],
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"down_payment_amount": 21000.0,
"property_tax_annual": 1546.03,
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"utility_allowance_total": 523.0,
"property_management_rate": 0.1,
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"effective_date": "2026-01-01"
},
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"annual_cash_flow_after_debt": 2328.52,
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"monthly_cash_flow_after_debt": 194.04,
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},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and the listing description, this 3BR/1BA home appears largely turn-key with a durable metal roof, intact siding and windows, and a functional yard and driveway. Visible issues are mostly cosmetic and maintenance items (gutter/patio cleaning, driveway cracks, rusted security door hardware, minor siding staining). Major systems (HVAC, water heater, interior electrical, smoke/CO detectors, GFCI) are not visible in the photos — their unverified status reduces the mechanical and safety scores. With a short interior check (confirm smoke/CO detectors, GFCI outlets, functional HVAC and hot water, and minor exterior maintenance) this property would likely pass an initial HCV/NSPIRE inspection and be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Exterior photos show a well-maintained single-story house with recent-looking metal roofing, intact vinyl siding and windows, an intact front porch with railings, and a large usable yard. Visible deferred items are minor: stained/aged siding near grade, leaf/debris accumulation on patios and gutters, rust on security/grill at rear doors, and driveway surface cracks. Listing states updated kitchen and fresh paint which supports move-in ready condition. Missing interior photos prevent verification of flooring/cabinet condition but exterior and listing indicate mostly cosmetic items only. Missing appliances (not pictured) would be a moderate deduction if absent but are not shown in photos. Overall repair needs appear minor and cosmetic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No life-threatening hazards observed from exterior photos: no sagging rooflines, collapsed ceilings, standing water, or obvious foundation movement. Entry door and porch have railings; steps have hand rails. Electrical service/meter seen at side and no exposed wiring is visible. Egress windows appear present at front bedroom windows. Unknowns that affect NSPIRE pass risk: presence and placement of smoke/CO detectors, GFCI protection in kitchen/bath, functioning hot water and plumbing, and interior trip hazards or peeling paint (home built 1953). Given the updated listing and good exterior, assume detectors and basic protections likely installed but unverified—so modest deduction for unknown interior life-safety items."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Metal roof appears intact and in good condition. Exterior photos do not show an outdoor HVAC condenser or water heater—these systems are not visible in provided images. Electrical service appears present and the meter box looks intact. Driveway and patio drainage slopes generally away from foundation; gutters exist but show debris and may need cleaning. Because HVAC, hot water heater, plumbing fixtures and interior electrical/GFCI function cannot be confirmed from photos, score reduced to reflect medium uncertainty. No visible signs of roof failure, major plumbing leaks or damaged mechanical equipment from exterior."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 78.0,
"rationale": "Lot and yard are large, level and appear safe. Concrete driveway/patio have surface cracks and staining but are serviceable. Vinyl siding and trim are intact with minor staining; gutters and downspouts present. Mature trees are close to the structure and roots are visible near driveway — potential long-term root/drainage concern but not an immediate fail. Rear fence appears aged but intact. No obvious pest infestation, major standing water, or collapsed walkways observed. Overall the exterior/site is functional with routine maintenance needs."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior has been updated as stated (fresh paint, updated kitchen) and no severe interior damage exists.",
"Smoke detectors and CO detector (where required) are installed or will be installed prior to lease-up.",
"An operational HVAC system and hot water heater exist though not visible in photos; if absent this will reduce readiness significantly.",
"Electrical service is intact and there are no major hidden electrical hazards (no visible exposed wiring in photos).",
"No active mold, major pest infestation or concealed structural damage exists beyond what is visible from exterior imagery.",
"Missing appliances (stove, refrigerator) are not shown in photos; absence would be a moderate, fixable deduction but not an automatic fail."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Likely to pass a first HCV/NSPIRE inspection after completing a short checklist of verification and minor fixes. Exterior and roof are in good visible condition and the listing claims interior updates; remaining inspection risks are primarily verification (smoke/CO detectors, GFCI, HVAC/water heater operation, electrical panel) and replacing or modifying the rusted security grille on the rear doors if it blocks egress. Expect minor repairs and documentation needs; rent‑ready within ~30 days if systems are confirmed operational and egress/safety items are remedied.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Exterior photos show a generally well-maintained, updated single‑story home with fresh paint indicated in listing and a metal roof. Observable deferred items are cosmetic or minor: exterior siding staining/soil at base, rust on security gates, cracked/uneven driveway and some worn porch steps/paint. No collapsed ceilings, exposed subfloor, or major visible structural damage. Missing interior appliance status not shown; listing says updated kitchen. Overall repairs appear minor and mostly cosmetic."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No obvious active life‑threat hazards in photos (no collapsed ceilings, standing water, major roof failure). However key NSPIRE items are not visible: smoke/CO detectors, GFCI outlets, electrical panel condition. Notable safety concern: rusted metal security/grille on the rear sliding/double doors could impede emergency egress if it is fixed/locked and may fail NSPIRE egress requirements — this raises inspection risk. Porch has railings present. No visible exposed wiring or active leaks from exterior images."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "Metal roof appears intact and recently installed or in good condition per photos and listing. Gutters and downspouts visible. Major unknowns: presence and working condition of HVAC, water heater, electrical panel and hot water supply — none are visible in listing photos. Because the exterior looks maintained and the listing advertises updates, assume systems are present but unverified, so score reflects moderate confidence but requires verification and potential minor service."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Large yard, paved driveway and rear patio are present and functional. Vinyl siding appears serviceable, gutters exist, and yard is generally clear of debris. Trees are mature and provide shade but their trunks/roots are very near the driveway/house perimeter which may create long‑term root/settlement risk. Rear fence exists but condition not fully shown. Overall the site is tidy and safe for tenants with routine maintenance."
}
],
"red_flags": [
"Rusted metal security/grille on rear sliding/double doors — potential egress obstruction; must be removable from inside without a key to pass NSPIRE.",
"Large trees with trunks/roots very near foundation/driveway — potential for root damage or future settlement/cracking requiring monitoring.",
"Unknown status of smoke/CO detectors, GFCI outlets, and electrical panel (not visible) — these are common cause for inspection failures if absent or nonfunctional."
],
"confidence": 0.65,
"assumptions": [
"Interior was updated as the listing states (kitchen with granite, fresh paint) though interior photos are not provided.",
"Central HVAC and a working water heater are present but not photographed; their operational status is unverified.",
"Smoke and carbon monoxide detectors are not visible in exterior photos and should be assumed missing/unverified until inspected.",
"Electrical panel and GFCI protection locations are not shown and must be verified during inspection.",
"The metal security/grille on the rear sliding/double doors is operable from the inside only if the owner installed egress‑compliant hardware — currently its condition looks rusty and may not meet egress requirements."
],
"overall_score": 71.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "Overall the property presents as a mostly turn‑key single‑family home from the exterior with an updated roof and listing claims of interior updates (fresh paint, granite kitchen). Exterior is serviceable with only cosmetic and low-cost repairs apparent. Key inspection risks are unverified interior systems and safety items that cannot be confirmed from photos: presence and operation of HVAC, water heater, electrical panel condition, smoke/CO detectors, GFCI protection, and whether rear security bars allow emergency egress. With verification/repairs of standard safety devices and a systems check, this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Exterior photos show a recently replaced metal roof, fresh-looking siding and shutters, and an updated-looking facade. Listing states 'fresh paint throughout' and 'updated kitchen with granite' which supports a well-maintained interior. Visible issues are minor: porch step edges and small areas of worn trim/paint, driveway has surface cracks, and some mildew/dirt on siding. No major exterior structural damage visible. Missing interior photos prevent confirmation of flooring/cabinet condition but listing and exterior condition allow a reasonable assumption of mostly cosmetic/finish work only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed high-voltage wiring). Entry and front porch have railings. Unknown items that could cause an initial NSPIRE fail are not visible in photos: smoke/CO detectors, GFCI protection in kitchen/bath, electrical panel condition, and interior egress from rooms. The rear double doors are secured with a rusted metal security grille which may impede emergency egress unless equipped with an approved quick-release — this is a potential inspection issue. Large trees are very close to the structure (risk for future damage). Overall moderate risk until detectors, egress, and outlets are confirmed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "Positive sign: newer metal roof and intact gutters reduce roof/leak risk. However, no exterior A/C condenser or HVAC equipment is visible in provided photos, and interior mechanicals (water heater, furnace/air handler, electrical panel) are not shown — these are critical for pass. Given the house age (1953) but listing updates, assume systems have been at least partially updated; still requires verification/functional test of HVAC, water heater, plumbing, and electrical. Driveway grading appears to slope away but final drainage and condition around foundation not fully verifiable from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Lot is level with a large usable yard, paved driveway, and a rear patio area; fencing at rear appears older/partially leaning. Siding generally intact, gutters present, and landscaping minimal. Two large shade trees are very close to the house and driveway — root exposure is visible at the driveway edge and may threaten sidewalks/foundation long term. Patio and driveway show surface wear and leaf/debris accumulation but are serviceable. No visible pest infestation or severe exterior deterioration."
}
],
"red_flags": [
"No visible exterior HVAC condenser or documented heating/cooling equipment in photos — verify presence and operation (NSPIRE may fail if no working heating/cooling appropriate for season).",
"Rear double doors protected by a rusted metal security grille — may block emergency egress if not equipped with an approved quick-release; potential immediate inspection failure.",
"Large mature trees adjacent to the house with exposed roots at the driveway edge — increased risk for future foundation, sidewalk, and roof damage; recommend evaluation."
],
"confidence": 0.6,
"assumptions": [
"Interior has the updates claimed in the listing (fresh paint, updated kitchen with granite) though interior photos were not provided.",
"Basic appliances (range, refrigerator) are present or will be provided — missing appliances alone are not presumed an inspection-fail.",
"HVAC and water heating systems exist and are functional but were not visible in provided exterior photos and must be verified.",
"Electrical service and panel are intact and up to code unless an in-person inspection identifies deficiencies.",
"Rear security grille on French doors may or may not have a quick-release — assumed to be potentially noncompliant until confirmed.",
"No active roof leaks are present given the metal roof; photos show no staining but interior confirmation required.",
"Foundation and structural elements show no visible major movement in photos; assume stable but recommend on-site inspection for settling/cracks.",
"Yard drainage is adequate based on driveway slope and guttering seen, but final grading around foundation not fully verifiable from images."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "537 Grant St, Midfield, AL, 35228",
"aggregate": {
"summary": "Based on exterior photos and the listing description, this 3BR/1BA home appears largely turn-key with a durable metal roof, intact siding and windows, and a functional yard and driveway. Visible issues are mostly cosmetic and maintenance items (gutter/patio cleaning, driveway cracks, rusted security door hardware, minor siding staining). Major systems (HVAC, water heater, interior electrical, smoke/CO detectors, GFCI) are not visible in the photos — their unverified status reduces the mechanical and safety scores. With a short interior check (confirm smoke/CO detectors, GFCI outlets, functional HVAC and hot water, and minor exterior maintenance) this property would likely pass an initial HCV/NSPIRE inspection and be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 77.7,
"rationale": "Exterior photos show a well-maintained single-story house with recent-looking metal roofing, intact vinyl siding and windows, an intact front porch with railings, and a large usable yard. Visible deferred items are minor: stained/aged siding near grade, leaf/debris accumulation on patios and gutters, rust on security/grill at rear doors, and driveway surface cracks. Listing states updated kitchen and fresh paint which supports move-in ready condition. Missing interior photos prevent verification of flooring/cabinet condition but exterior and listing indicate mostly cosmetic items only. Missing appliances (not pictured) would be a moderate deduction if absent but are not shown in photos. Overall repair needs appear minor and cosmetic."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 77.7,
"rationale": "Lot and yard are large, level and appear safe. Concrete driveway/patio have surface cracks and staining but are serviceable. Vinyl siding and trim are intact with minor staining; gutters and downspouts present. Mature trees are close to the structure and roots are visible near driveway — potential long-term root/drainage concern but not an immediate fail. Rear fence appears aged but intact. No obvious pest infestation, major standing water, or collapsed walkways observed. Overall the exterior/site is functional with routine maintenance needs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No life-threatening hazards observed from exterior photos: no sagging rooflines, collapsed ceilings, standing water, or obvious foundation movement. Entry door and porch have railings; steps have hand rails. Electrical service/meter seen at side and no exposed wiring is visible. Egress windows appear present at front bedroom windows. Unknowns that affect NSPIRE pass risk: presence and placement of smoke/CO detectors, GFCI protection in kitchen/bath, functioning hot water and plumbing, and interior trip hazards or peeling paint (home built 1953). Given the updated listing and good exterior, assume detectors and basic protections likely installed but unverified—so modest deduction for unknown interior life-safety items."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 61.7,
"rationale": "Metal roof appears intact and in good condition. Exterior photos do not show an outdoor HVAC condenser or water heater—these systems are not visible in provided images. Electrical service appears present and the meter box looks intact. Driveway and patio drainage slopes generally away from foundation; gutters exist but show debris and may need cleaning. Because HVAC, hot water heater, plumbing fixtures and interior electrical/GFCI function cannot be confirmed from photos, score reduced to reflect medium uncertainty. No visible signs of roof failure, major plumbing leaks or damaged mechanical equipment from exterior."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Interior has been updated as stated (fresh paint, updated kitchen) and no severe interior damage exists.",
"Smoke detectors and CO detector (where required) are installed or will be installed prior to lease-up.",
"An operational HVAC system and hot water heater exist though not visible in photos; if absent this will reduce readiness significantly.",
"Electrical service is intact and there are no major hidden electrical hazards (no visible exposed wiring in photos).",
"No active mold, major pest infestation or concealed structural damage exists beyond what is visible from exterior imagery.",
"Missing appliances (stove, refrigerator) are not shown in photos; absence would be a moderate, fixable deduction but not an automatic fail."
],
"score_method": "mean_of_criteria",
"overall_score": 70.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7460495013"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.