Property ID: 7464367522
6113 Georgia Rd, Birmingham, AL, 35212
Birmingham, AL
Money Down: $28,776
CoC Return: 3.78%
Monthly Cash Flow: $91
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
3.78%
Rent
$876
Monthly Cash Flow
$91
Annual Cash Flow
$1,088
Debt Service / Mo
$638
Property Tax / Mo
$16
Insurance / Mo
$43
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$876
Payment Standard
$1,408
Rent
$876
Insurance
$43
Property Tax
$16
Management
$88
Utilities Allowance
$532
NOI (Monthly)
$729
Debt Service
$638
Cash Flow After Debt
$91
Quality Score: 72.80%
Confidence: 89.00%
Based on exterior photos and the listing, the home appears broadly serviceable with major systems reportedly updated in 2020. Primary risks for an initial HCV/NSPIRE inspection are egress/security window bars, the condition of the exterior steps/handrail, and unknown interior life-safety items (smoke/CO detectors, GFCI outlets, plumbing/hot water). With remediation of the handrail/steps and resolution/verification of smoke/CO detectors and egress compliance, this property is likely to pass after minor repairs and checks and could be rent-ready within 2–4 weeks.
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
$119,900
Beds
3
Baths
1
Living Area
1,265 sqft
Lot Size
3,920 sqft
Year Built
1920
Days on Market
7
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$16
Insurance / Mo
$43
Property Description
Beautiful brick house in great Location!! Tenant occupied. But tenant can move before closing or can stay, current rent $1,100 per month. New Roof, Electrical, HVAC, Plumbing, flooring, paint done in 2020.
Utility Allowances
heating
$93
Property has central heating. Fuel type is not specified, but the water heater is electric. Electric heating from Alabama Power was selected as a common, higher-cost option.
cooling
$22
Property has Central Air. Alabama Power is selected as a major local provider and is consistent with other electric utility choices.
cooking
$21
Tenant must provide their own stove. Electric was chosen to be consistent with the electric water heater, and Alabama Power was selected as the provider.
water_heating
$56
Property has an 'Electric Water Heater'. Alabama Power was selected as the provider for consistency.
other_electric
$68
This covers general electricity for lights and outlets. Alabama Power is selected as the provider for consistency.
water
$78
Property uses public water and is located within the city of Birmingham, making 'Water: Birmingham' the appropriate selection from the schedule.
sewer
$151
Property is listed as 'Sewer Connected'. The allowance is a fixed rate from the schedule for a 3-bedroom unit.
trash_collection
$29
Standard utility for a single-family home. 'Irondale ISCL' was selected as a reasonable proxy, as it is a neighboring area and represents a higher-cost option in the absence of a specific 'Birmingham' rate.
refrigerator
$8
Property listing indicates no refrigerator is provided, so the allowance for a tenant-owned appliance is included.
range_microwave
$6
Property listing indicates no microwave is provided, so the allowance for a tenant-owned appliance is included.
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$397
DP3 Annual Estimate$643
DP1 Monthly Equivalent$33
DP3 Monthly Equivalent$54
Replacement Value$31,900
Basis1,265 sqft / 1920
Nearby Houses
Photo unavailable
6119 Georgia Rd Lots 6 & 7
off_market · 0.01 mi
Price: $9,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
6033 Georgia Rd Lot 11
sold · 0.04 mi
Price: $15,000
— bd / — ba
Latest sale: $15,000
Latest rent: —
Photo unavailable
313 S 62nd St
sold · 0.05 mi
Price: $90,000
3 bd / 1 ba · 1,226 sqft
Latest sale: $90,000 on Feb 09, 2024
Latest rent: $1,250 on Feb 26, 2024
Photo unavailable
6029 Georgia Rd
sold · 0.05 mi
Price: $229,990
3 bd / 2 ba · 1,260 sqft
Latest sale: $229,990 on Dec 22, 2022
Latest rent: —
Photo unavailable
309 62nd St S
sold · 0.06 mi
Price: $21,500
3 bd / 2 ba · 1,660 sqft
Latest sale: $21,500 on Aug 16, 2019
Latest rent: —
Photo unavailable
508 63rd St S
sold · 0.11 mi
Price: $200,000
4 bd / 1 ba · 2,363 sqft
Latest sale: $200,000 on Oct 24, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Potential egress obstruction from window security bars (possible NSPIRE egress failure).
- Exterior stairs/handrail show rust/wear and may be unsafe (unsafe stairs/broken handrail).
- Smoke and CO detector presence/location unknown (life-safety devices must be verified).
Assumptions
- Listing is accurate that roof, electrical, HVAC and plumbing were replaced in 2020 and remain serviceable.
- Interior condition (floors, paint) was updated in 2020 per listing; no major interior structural damage is present unless otherwise noted.
- No appliances were visible; missing appliances are not assumed to be safety failures and are treated as moderate condition items if needed.
- Window security bars are present as shown and may restrict egress for at least one window; their operability/release mechanism is unknown.
- Smoke detectors, carbon monoxide alarms, GFCI protection, hot water availability, and interior electrical condition are unknown and assumed unverified (inspection needed).
- Tenant-occupied status could limit immediate access for repairs before tenancy change; condition observed is of typical occupied property.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $189 | $43,900 | $2,800 |
| 2023 | $189 | $13,100 | $2,620 |
| 2022 | $163 | $11,300 | $2,260 |
| 2021 | $163 | $11,300 | $2,260 |
| 2020 | $207 | $14,300 | $2,860 |
| 2019 | $207 | $14,300 | $2,860 |
| 2018 | $198 | $13,700 | $2,740 |
| 2017 | $198 | $13,700 | $2,740 |
| 2016 | $198 | $13,700 | $2,740 |
| 2015 | $198 | $13,700 | $2,740 |
| 2013 | $204 | $13,600 | $2,720 |
| 2012 | $204 | $39,390 | $7,878 |
| 2011 | $750 | $52,900 | $10,580 |
| 2010 | $750 | $52,900 | $10,580 |
| 2009 | $750 | $52,900 | $10,580 |
| 2008 | $765 | $54,000 | $10,800 |
| 2007 | $840 | $59,400 | $11,880 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-01-13 | Sold | $10,000 |
Photo Gallery
Show raw JSON (debug)
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"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.8
},
"utility_allowance": {
"zip_code": "35212",
"home_photo": "https://ap.rdcpix.com/cfc2d4e0cb7ea30deba958ea7611e841l-m1687190026s-w1280.jpg",
"rent_price": 876.0,
"loan_amount": 95920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/6113-Georgia-Rd_Birmingham_AL_35212_M74643-67522",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 119900.0,
"loan_term_years": 30,
"annual_cash_flow": 8746.13,
"mortgage_monthly": 638.16,
"payment_standard": 1408.0,
"total_amount_out": 23980.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 43.33,
"monthly_cash_flow": 728.84,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating. Fuel type is not specified, but the water heater is electric. Electric heating from Alabama Power was selected as a common, higher-cost option.",
"utility": "heating",
"allowance": 93
},
{
"note": "Property has Central Air. Alabama Power is selected as a major local provider and is consistent with other electric utility choices.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Tenant must provide their own stove. Electric was chosen to be consistent with the electric water heater, and Alabama Power was selected as the provider.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Property has an 'Electric Water Heater'. Alabama Power was selected as the provider for consistency.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "This covers general electricity for lights and outlets. Alabama Power is selected as the provider for consistency.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property uses public water and is located within the city of Birmingham, making 'Water: Birmingham' the appropriate selection from the schedule.",
"utility": "water",
"allowance": 78
},
{
"note": "Property is listed as 'Sewer Connected'. The allowance is a fixed rate from the schedule for a 3-bedroom unit.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Standard utility for a single-family home. 'Irondale ISCL' was selected as a reasonable proxy, as it is a neighboring area and represents a higher-cost option in the absence of a specific 'Birmingham' rate.",
"utility": "trash_collection",
"allowance": 29
},
{
"note": "Property listing indicates no refrigerator is provided, so the allowance for a tenant-owned appliance is included.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "Property listing indicates no microwave is provided, so the allowance for a tenant-owned appliance is included.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.36,
"down_payment_amount": 23980.0,
"property_tax_annual": 194.67,
"property_tax_monthly": 16.22,
"property_tax_increase": 0.03,
"utility_allowance_total": 532.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 1088.23,
"property_management_monthly": 87.6,
"monthly_cash_flow_after_debt": 90.69,
"cash_on_cash_return_after_debt": 0.05
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and the listing, the home appears broadly serviceable with major systems reportedly updated in 2020. Primary risks for an initial HCV/NSPIRE inspection are egress/security window bars, the condition of the exterior steps/handrail, and unknown interior life-safety items (smoke/CO detectors, GFCI outlets, plumbing/hot water). With remediation of the handrail/steps and resolution/verification of smoke/CO detectors and egress compliance, this property is likely to pass after minor repairs and checks and could be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior visible surfaces appear painted and in fair condition; listing states flooring and paint were redone in 2020. No visible major exterior structural damage. Observable deferred items are minor: rusted chain-link gate, worn exterior steps and paint on handrail, yard litter and driveway cracks. No interior photos to confirm appliances or interior wear; missing appliances not assumed. Given the 2020 updates and only minor exterior cosmetic issues seen, this category rates as minor repairs needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Several NSPIRE-relevant items cannot be verified from photos (smoke/CO detectors, GFCIs, hot water, interior trip hazards). Visible concerns: window has security bars that could impede egress (possible bedroom egress issue), exterior steps/handrail show rust/wear that may be unsafe (potential unsafe stairs/broken handrail). Overhead electrical service and meter visible but no obvious damaged conductors. No signs of roof sagging, active leaks, or standing water from exterior photo. Because egress and handrail issues are potential fail items and interior life-safety items are unknown, score is moderate with explicit remediation likely required."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 80.0,
"rationale": "Listing states roof, electrical, HVAC and plumbing were replaced in 2020. Exterior roof looks in good condition with no visible sagging or missing shingles. Electrical meter and service appear intact. With those 2020 system replacements and no visible external indicators of failure, major systems are likely functional, though interior confirmation (operational HVAC, hot water, water heater condition) is required at inspection. Score reflects likely good condition but deducts for lack of interior verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Brick envelope appears intact and painted. Driveway has cracking and shows some wear; yard is unkept with leaf/debris. Chain-link fencing and gate are rusted and low-quality. Steps and small stoop appear weathered. No visible foundation displacement, major erosion, standing water, or infestation evidence from the photo. Overall site is functional but needs cleanup and minor repairs to meet typical move-in standards."
}
],
"red_flags": [
"Potential egress obstruction from window security bars (possible NSPIRE egress failure).",
"Exterior stairs/handrail show rust/wear and may be unsafe (unsafe stairs/broken handrail).",
"Smoke and CO detector presence/location unknown (life-safety devices must be verified)."
],
"confidence": 0.6,
"assumptions": [
"Listing is accurate that roof, electrical, HVAC and plumbing were replaced in 2020 and remain serviceable.",
"Interior condition (floors, paint) was updated in 2020 per listing; no major interior structural damage is present unless otherwise noted.",
"No appliances were visible; missing appliances are not assumed to be safety failures and are treated as moderate condition items if needed.",
"Window security bars are present as shown and may restrict egress for at least one window; their operability/release mechanism is unknown.",
"Smoke detectors, carbon monoxide alarms, GFCI protection, hot water availability, and interior electrical condition are unknown and assumed unverified (inspection needed).",
"Tenant-occupied status could limit immediate access for repairs before tenancy change; condition observed is of typical occupied property."
],
"overall_score": 70.0,
"rubric_version": "ns-pinspect-2024-v1"
},
{
"summary": "Based on the listing and exterior photos, this 1920 brick single-family appears mostly renovated in 2020 with roof, electrical, HVAC, plumbing, flooring and paint updated — supporting good Section 8/NSPIRE readiness. Exterior and systems appear sound; the most likely inspection issues are smoke/CO detector placement, GFCI outlets, and the front-entry handrail/steps. A significant inspection risk is the front window security bars which may obstruct bedroom egress if bedrooms have similar bars. With targeted minor repairs (install/verify detectors, ensure GFCI, repair/replace handrail, verify egress release on any window bars) this property is likely to pass an initial HCV inspection within 1–4 weeks depending on tenant access.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior masonry and paint appear intact and listing states full interior refresh in 2020 (flooring, paint). Roof looks recently replaced and listing confirms new roof in 2020. Visible deferred items are minor: rust on exterior gate/steps, worn handrail, some yard debris. No obvious collapsed surfaces or large exterior cracks. Missing interior photos mean interior cosmetic issues (kitchen appliances, minor finishes) could exist but listing claims flooring/paint replacement. Overall condition suggests mostly cosmetic/finish items and a few small repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 65.0,
"rationale": "Listing reports electrical and HVAC replaced in 2020 which reduces electrical/plumbing risk. However several NSPIRE checkpoints are unknown from photos: presence and location of smoke/CO detectors, GFCI in kitchen/bath, and the operability of hot water. Two visible concerns: window on front has security bars that may impede emergency bedroom egress (no quick-release evident), and the front steps/handrail show rust and may not meet load/height requirements. No visible severe water intrusion, roof sag, or exposed wiring at the photos' resolution. Given the 1920 construction, there is potential for historic lead-based paint but the 2020 repaint reduces peeling-risk likelihood. Because critical safety devices cannot be visually confirmed, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 80.0,
"rationale": "Listing explicitly states new roof, electrical, HVAC and plumbing completed in 2020. Exterior photo confirms a recently shingled roof and a service meter that appears intact. No visible signs of roof failure, sagging, or major exterior plumbing issues. Interior system components (water heater, furnace/AC, panel location, visible signs of leaks) are not pictured; score reflects strong evidence from seller statement and exterior confirmation but retains some uncertainty due to lack of interior verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick envelope looks sound and freshly painted. Driveway is usable though has surface wear and minor cracking. Yard is small and appears maintained but has some debris/leaf buildup. Chain-link fence and gate are functional but show corrosion. Foundation vents visible and no obvious large foundation cracks in provided view. Vegetation close to rear elevation could warrant clearing but does not indicate immediate failure. Overall exterior shows minor deferred maintenance only."
}
],
"red_flags": [
"Potential blocked emergency egress: window security bars on front window that may be fixed and could obstruct bedroom egress.",
"Exterior front steps and handrail show rust/wear and may not meet safety/handrail requirements.",
"No visible smoke detectors or CO detectors in provided photos — critical for NSPIRE compliance until verified present and working.",
"Property built in 1920 (pre-1978) — potential lead-based paint hazard unless the 2020 repaint eliminated peeling/lead-risk conditions."
],
"confidence": 0.6,
"assumptions": [
"Seller's listing statement that roof, electrical, HVAC, plumbing, flooring and paint were replaced in 2020 is accurate and indicates functional systems.",
"Interior condition generally matches listing (flooring and paint refreshed) though no interior photos were provided.",
"Smoke and carbon monoxide detectors and GFCI outlets are not visible in photos; assume they may be missing or not properly located until verified.",
"Window security bars may be fixed (no quick-release) based on appearance; assume potential egress obstruction unless proven otherwise.",
"No visible major structural issues (roof sag, foundation movement) exist from exterior photos; hidden interior issues are possible but not inferred.",
"Appliances (stove, refrigerator) are not shown; missing appliances would be an easy-to-fix, non-life-threatening issue and thus not heavily penalized."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed/1-bath brick house appears generally rent-ready with minor to moderate items to address. Recent system overhauls (stated 2020) and an apparently sound roof and exterior place it in the 'minor repairs' category. The most likely NSPIRE inspection issues are missing/uncertain smoke/CO detectors, potential egress concerns if security bars are on bedroom windows, and the deteriorated front stair/handrail. With verification of detectors, egress, and a quick repairs list (handrail, secure steps, clear driveway trip hazards, and any missing GFCI/outlet covers or appliances), it would likely pass an initial HCV inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Exterior photos show a recently painted brick exterior and a roof that appears in good condition; listing states roof, flooring and paint were replaced in 2020. Visible deferred items are minor: rusted chain-link gate, worn front steps, cracked driveway, and some yard debris. No obvious collapsed or severely damaged surfaces are visible. Missing interior photos prevent appliance confirmation, but listing indicates updates to systems and finishes in 2020. These are largely cosmetic/easy repairs and would moderately reduce readiness if appliances or minor fixtures are absent."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No visible exposed wiring or active water intrusion in exterior photos. Entry steps have a handrail but it appears rusted/partially deteriorated (possible loose railing) which is a safety concern. A front window has security bars which could impede egress if any bedrooms are behind it. No smoke/CO detectors, GFCI outlets, or bedroom egress windows can be confirmed from photos. Electrical meter and service appear intact. Because many life-safety items (smoke/CO, GFCI, bedroom egress) cannot be verified, there is moderate risk that small remediation will be required prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 80.0,
"rationale": "Listing explicitly states new roof, electrical, HVAC and plumbing in 2020. Exterior roof visually appears in good shape. Electrical meter and conduit appear intact from photo. No visible evidence of active leaks, standing water or collapsed structure. Given the 2020 system replacements, major mechanical failures are less likely but cannot be 100% confirmed without interior/utility photos or operational testing."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Brick exterior and paint look maintained. Driveway has surface cracks and is uneven in places; yard is unkempt with leaf/debris accumulation. Vegetation near the rear suggests some site maintenance needed to reduce pest/infestation risk. Foundation vents visible and no large visible foundation cracks or sagging are apparent. Walkway/stair access is serviceable but rail/gate corrosion and driveway trip points are present."
}
],
"red_flags": [
"Potential blocked/secured egress (security bars on windows) — egress hazard if applied to bedrooms",
"Rusted/partially deteriorated front stair handrail and worn steps — risk for unsafe stairs/handrail violation",
"No visible evidence of smoke/CO detectors or GFCI outlets in photos — life-safety items must be confirmed prior to inspection",
"Driveway and front walk have cracks/uneven surfaces that are trip hazards and should be repaired"
],
"confidence": 0.65,
"assumptions": [
"Listing statement that roof, electrical, HVAC and plumbing were replaced in 2020 is accurate and systems are functional.",
"Interior finishes (flooring, paint) were completed in 2020 as stated; no severe hidden water damage or mold was present at that time.",
"Tenant-occupied status may limit immediate access for verification; interior items (smoke detectors, GFCI, appliances) are unknown and assumed possibly present but must be confirmed.",
"Window security bars shown on the front window may or may not be installed on bedrooms; assumed potential egress issue until bedroom window locations are confirmed.",
"No major structural movement, roof leaks or interior ceiling collapse are present based on absence of visible exterior distress; hidden issues could exist but not evident in photos."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6113 Georgia Rd, Birmingham, AL, 35212",
"aggregate": {
"summary": "Based on exterior photos and the listing, the home appears broadly serviceable with major systems reportedly updated in 2020. Primary risks for an initial HCV/NSPIRE inspection are egress/security window bars, the condition of the exterior steps/handrail, and unknown interior life-safety items (smoke/CO detectors, GFCI outlets, plumbing/hot water). With remediation of the handrail/steps and resolution/verification of smoke/CO detectors and egress compliance, this property is likely to pass after minor repairs and checks and could be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior visible surfaces appear painted and in fair condition; listing states flooring and paint were redone in 2020. No visible major exterior structural damage. Observable deferred items are minor: rusted chain-link gate, worn exterior steps and paint on handrail, yard litter and driveway cracks. No interior photos to confirm appliances or interior wear; missing appliances not assumed. Given the 2020 updates and only minor exterior cosmetic issues seen, this category rates as minor repairs needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 71.7,
"rationale": "Brick envelope appears intact and painted. Driveway has cracking and shows some wear; yard is unkept with leaf/debris. Chain-link fencing and gate are rusted and low-quality. Steps and small stoop appear weathered. No visible foundation displacement, major erosion, standing water, or infestation evidence from the photo. Overall site is functional but needs cleanup and minor repairs to meet typical move-in standards."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 63.3,
"rationale": "Several NSPIRE-relevant items cannot be verified from photos (smoke/CO detectors, GFCIs, hot water, interior trip hazards). Visible concerns: window has security bars that could impede egress (possible bedroom egress issue), exterior steps/handrail show rust/wear that may be unsafe (potential unsafe stairs/broken handrail). Overhead electrical service and meter visible but no obvious damaged conductors. No signs of roof sagging, active leaks, or standing water from exterior photo. Because egress and handrail issues are potential fail items and interior life-safety items are unknown, score is moderate with explicit remediation likely required."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 80.0,
"rationale": "Listing states roof, electrical, HVAC and plumbing were replaced in 2020. Exterior roof looks in good condition with no visible sagging or missing shingles. Electrical meter and service appear intact. With those 2020 system replacements and no visible external indicators of failure, major systems are likely functional, though interior confirmation (operational HVAC, hot water, water heater condition) is required at inspection. Score reflects likely good condition but deducts for lack of interior verification."
}
],
"red_flags": [
"Potential egress obstruction from window security bars (possible NSPIRE egress failure).",
"Exterior stairs/handrail show rust/wear and may be unsafe (unsafe stairs/broken handrail).",
"Smoke and CO detector presence/location unknown (life-safety devices must be verified)."
],
"confidence": 0.89,
"assumptions": [
"Listing is accurate that roof, electrical, HVAC and plumbing were replaced in 2020 and remain serviceable.",
"Interior condition (floors, paint) was updated in 2020 per listing; no major interior structural damage is present unless otherwise noted.",
"No appliances were visible; missing appliances are not assumed to be safety failures and are treated as moderate condition items if needed.",
"Window security bars are present as shown and may restrict egress for at least one window; their operability/release mechanism is unknown.",
"Smoke detectors, carbon monoxide alarms, GFCI protection, hot water availability, and interior electrical condition are unknown and assumed unverified (inspection needed).",
"Tenant-occupied status could limit immediate access for repairs before tenancy change; condition observed is of typical occupied property."
],
"score_method": "mean_of_criteria",
"overall_score": 72.8,
"rubric_version": "ns-pinspect-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7464367522"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.