Property ID: 7466768989
8151 Susan Dr, Dora, AL, 35062
Dora, AL
Money Down: $15,600
CoC Return: 30.87%
Monthly Cash Flow: $401
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$13,000
Closing Costs
$2,600
Total Down
$15,600
Investment Snapshot
Purchase Price
$65,000
Money Down
$15,600
Cash-on-Cash Return
30.87%
Rent
$965
Monthly Cash Flow
$401
Annual Cash Flow
$4,816
Debt Service / Mo
$346
Property Tax / Mo
$64
Insurance / Mo
$57
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$965
Payment Standard
$1,408
Rent
$965
Insurance
$57
Property Tax
$64
Management
$96
Utilities Allowance
$443
NOI (Monthly)
$747
Debt Service
$346
Cash Flow After Debt
$401
Quality Score: 62.70%
Confidence: 92.00%
This double-wide manufactured home appears in generally serviceable condition with mostly cosmetic repairs and a few localized fixes required. The interior floors, cabinetry and fixtures are present; bathrooms and kitchen show usable fixtures though at least one appliance (stove/fridge) is not visible and would likely need provision. Primary inspection risks are missing/uncertain smoke & CO detectors, possible lack of GFCI protection in kitchen/bath, and a damaged floor/hardscape area around the fireplace that should be repaired and evaluated for safe venting. Major structural problems (roof failure, foundation movement, collapsed ceilings) are not visible. With targeted safety items corrected and a small amount of carpentry/finish work, the property is likely to pass an initial HCV/NSPIRE inspection within 30 days; if detectors, GFCIs or mechanical systems are non-functional this could extend time-to-pass.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$443
Guaranteed Section 8 Rent (PS - Utilities)
$965
Property Management
$96
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$65,000
Beds
3
Baths
2
Living Area
1,865 sqft
Lot Size
43,560 sqft
Year Built
1994
Days on Market
103
Capital Outlay
$15,600
Debt Service
$346
Property Tax / Mo
$64
Insurance / Mo
$57
Property Description
Welcome home to this spacious double-wide manufactured home offering over 1,800 sq ft of living space on a full acre of land. Enjoy a fenced-in yard, as well as a covered front porch and rear deck ideal for relaxing and entertaining. Inside, the home features large rooms throughout, including a primary suite with a soaking garden tub and separate shower. The open kitchen includes an island with excellent storage and workspace, while the adjoining living room with fireplace provides a warm and inviting atmosphere. Conveniently located near shopping and restaurants and just a short drive from Highway 78, this property offers both comfort and accessibility.
Utility Allowances
Heating
$93
Property has central heating. Electric is assumed based on the electric water heater and laundry hookups. 'Elec Heat: Ala Power' was chosen as it is the most expensive electric option on the schedule.
Cooling
$22
Property has central air conditioning. 'A/C: Alabama Power' was chosen for consistency and as the most expensive option.
Cooking
$21
Cooking fuel is not specified. Electric is assumed based on other electric appliances. 'Elec: Ala Power' was selected as the most expensive electric option.
Water Heating
$56
Property data specifies an electric water heater. 'Elec: Ala Power' was chosen as the most expensive electric option.
Other Electric
$68
This covers general electricity for lights and outlets. 'Lights, Ref, Etc.: Ala Power' was chosen for consistency and as the most expensive option.
Water
$129
Property has public water, but the provider is not specified. The most expensive option from the schedule, 'Water: Mulga', was selected per the guidelines.
Sewer
$0
Property uses a private septic tank, resulting in no monthly public sewer cost. The allowance is $0.
Trash Collection
$40
The specific trash provider is not listed. 'Fairfield Inside City Limits (ISCL)' was chosen as it is the most expensive option on the schedule.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$550
DP3 Annual Estimate$824
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$69
Replacement Value$50,900
Basis1,865 sqft / 1994
Nearby Houses
Photo unavailable
5038 Cindy Ln
sold · 0.10 mi
Price: $92,700
3 bd / 2 ba · 1,232 sqft
Latest sale: $92,700 on Mar 10, 2020
Latest rent: —
Photo unavailable
8126 Susan Dr
sold · 0.10 mi
Price: $189,900
3 bd / 2 ba · 1,488 sqft
Latest sale: $189,900 on Jul 19, 2021
Latest rent: —
Photo unavailable
8127 Susan Dr
sold · 0.13 mi
Price: $235,000
4 bd / 2 ba · 1,576 sqft
Latest sale: $235,000 on Dec 14, 2023
Latest rent: —
Photo unavailable
4904 Jim Goggans Rd
sold · 0.19 mi
Price: $89,900
2 bd / 1 ba
Latest sale: $89,900 on Apr 28, 2016
Latest rent: —
Photo unavailable
8102 Susan Dr
sold · 0.21 mi
Price: $265,000
3 bd / 2 ba · 2,028 sqft
Latest sale: $265,000 on Nov 04, 2022
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No verified/sufficient smoke and CO detectors visible (NSPIRE failure risk if missing or non‑functional).
- Potential absence of GFCI protection at kitchen and bathroom outlets (inspection fail risk if not installed/working).
- Localized floor damage / missing board near the fireplace — trip hazard and possible subfloor deterioration needing repair.
- Fireplace surround/hearth shows damage and requires inspection for safe venting/clearances before use.
Assumptions
- Central HVAC is assumed present because ceiling/floor registers are visible; outdoor condensing unit and furnace condition were not provided.
- Stove and refrigerator are not visible in photography and are assumed missing or not included; dishwasher is visible.
- Smoke and carbon monoxide detector locations/operation are not documented; one ceiling device is visible but bedroom coverage is unconfirmed.
- Electrical panel condition and labeling were not provided; assumed intact until proven otherwise.
- No active roof leaks or major water intrusion assumed due to lack of visible stains/mold in interior photos, but attic/roof condition not verified.
- Home sits on block/skirted piers (typical for double-wide manufactured homes) — foundation movement not observed in photos.
- No evidence of severe pest/infestation was visible in photos; interior cleanliness suggests vacancy.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $745 | $75,900 | $15,180 |
| 2023 | $745 | $74,400 | $14,880 |
| 2018 | $219 | $54,400 | $5,440 |
| 2017 | $219 | $54,400 | $5,440 |
| 2016 | $272 | $54,400 | $5,440 |
| 2015 | $545 | $54,400 | $10,880 |
| 2013 | $560 | $54,400 | $10,880 |
| 2011 | $573 | $55,700 | $11,140 |
| 2010 | $573 | $55,700 | $11,140 |
| 2009 | $573 | $55,700 | $11,140 |
| 2008 | $590 | $57,400 | $11,480 |
| 2007 | $605 | $58,900 | $11,780 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-08-08 | Sold | $68,921 |
| 2022-07-13 | Sold | $199,000 |
| 2015-07-15 | Sold | $27,000 |
| 2014-10-15 | Sold | $50,621 |
Photo Gallery
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},
"assessment": {
"land": null,
"total": 10880,
"building": null
}
},
{
"tax": 560,
"year": 2013,
"market": {
"land": 26700,
"total": 54400,
"building": 27700
},
"assessment": {
"land": null,
"total": 10880,
"building": null
}
},
{
"tax": 573,
"year": 2011,
"market": {
"land": 26700,
"total": 55700,
"building": 29000
},
"assessment": {
"land": 5340,
"total": 11140,
"building": 5800
}
},
{
"tax": 573,
"year": 2010,
"market": {
"land": 26700,
"total": 55700,
"building": 29000
},
"assessment": {
"land": 5340,
"total": 11140,
"building": 5800
}
},
{
"tax": 573,
"year": 2009,
"market": {
"land": 26700,
"total": 55700,
"building": 29000
},
"assessment": {
"land": 5340,
"total": 11140,
"building": 5800
}
},
{
"tax": 590,
"year": 2008,
"market": {
"land": 26700,
"total": 57400,
"building": 30700
},
"assessment": {
"land": 5340,
"total": 11480,
"building": 6140
}
},
{
"tax": 605,
"year": 2007,
"market": {
"land": 26700,
"total": 58900,
"building": 32200
},
"assessment": {
"land": 5340,
"total": 11780,
"building": 6440
}
}
],
"property_history": [
{
"date": "2026-02-11",
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"status": "for_sale",
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"list_price": 65000,
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"last_update_date": "2026-02-16T01:40:44Z",
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{
"date": "2026-02-10",
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"days_after_listed": "97 days",
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{
"date": "2026-01-05",
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"listing": {
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"list_price": 65000,
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},
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"source_name": "GreaterAlabamaMLS",
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{
"date": "2025-11-05",
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"list_date": "2025-11-05T19:01:23Z",
"list_price": 65000,
"listing_id": "2988142827",
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"last_status_change_date": "2026-02-11T01:42:36Z"
},
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"price_change_percentage": "-59.80%"
},
{
"date": "2022-07-14",
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{
"date": "2015-07-30",
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{
"date": "2015-07-02",
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"list_date": "2015-03-31T17:24:00Z",
"list_price": 31900,
"listing_id": "594936539",
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"last_status_change_date": "2015-07-02T17:43:42Z"
},
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"days_after_listed": "93 days",
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{
"date": "2015-06-22",
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"list_price": 31900,
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},
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{
"date": "2015-06-03",
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"listing_id": "594936539",
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"last_status_change_date": "2015-07-02T17:43:42Z"
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{
"date": "2015-05-01",
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"list_price": 31900,
"listing_id": "594936539",
"last_update_date": "2015-07-02T17:43:42Z",
"last_status_change_date": "2015-07-02T17:43:42Z"
},
"event_name": "Price Changed",
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"source_name": "Walker",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "15-485",
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},
{
"date": "2015-03-31",
"price": 49900,
"listing": {
"status": "off_market",
"list_date": "2015-03-31T17:24:00Z",
"list_price": 31900,
"listing_id": "594936539",
"last_update_date": "2015-07-02T17:43:42Z",
"last_status_change_date": "2015-07-02T17:43:42Z"
},
"event_name": "Listed",
"price_sqft": 26.75603217158177,
"source_name": "Walker",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "15-485",
"price_change_percentage": "-4.95%"
},
{
"date": "1994-06-27",
"price": 52500,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
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}
],
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}
},
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},
"property_id": "7466768989",
"generated_at": "2026-02-16T01:54:53.711644Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 62.7
},
"utility_allowance": {
"zip_code": "35062",
"home_photo": "https://ap.rdcpix.com/4004eb8176cbcbb02e13504b136cf786l-m1852122169s-w1280.jpg",
"rent_price": 965.0,
"loan_amount": 52000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/8151-Susan-Dr_Dora_AL_35062_M74667-68989",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 65000.0,
"loan_term_years": 30,
"annual_cash_flow": 8967.65,
"mortgage_monthly": 345.96,
"payment_standard": 1408.0,
"total_amount_out": 13000.0,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 57.25,
"monthly_cash_flow": 747.3,
"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. Electric is assumed based on the electric water heater and laundry hookups. 'Elec Heat: Ala Power' was chosen as it is the most expensive electric option on the schedule.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has central air conditioning. 'A/C: Alabama Power' was chosen for consistency and as the most expensive option.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Cooking fuel is not specified. Electric is assumed based on other electric appliances. 'Elec: Ala Power' was selected as the most expensive electric option.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property data specifies an electric water heater. 'Elec: Ala Power' was chosen as the most expensive electric option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This covers general electricity for lights and outlets. 'Lights, Ref, Etc.: Ala Power' was chosen for consistency and as the most expensive option.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has public water, but the provider is not specified. The most expensive option from the schedule, 'Water: Mulga', was selected per the guidelines.",
"utility": "Water",
"allowance": 129
},
{
"note": "Property uses a private septic tank, resulting in no monthly public sewer cost. The allowance is $0.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "The specific trash provider is not listed. 'Fairfield Inside City Limits (ISCL)' was chosen as it is the most expensive option on the schedule.",
"utility": "Trash Collection",
"allowance": 40
},
{
"note": "A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.69,
"down_payment_amount": 13000.0,
"property_tax_annual": 767.35,
"property_tax_monthly": 63.95,
"property_tax_increase": 0.03,
"utility_allowance_total": 443.0,
"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": 4816.16,
"property_management_monthly": 96.5,
"monthly_cash_flow_after_debt": 401.35,
"cash_on_cash_return_after_debt": 0.37
},
"section8_assessment": {
"runs": [
{
"summary": "This double-wide manufactured home appears in generally serviceable condition with mostly cosmetic repairs and a few localized fixes required. The interior floors, cabinetry and fixtures are present; bathrooms and kitchen show usable fixtures though at least one appliance (stove/fridge) is not visible and would likely need provision. Primary inspection risks are missing/uncertain smoke & CO detectors, possible lack of GFCI protection in kitchen/bath, and a damaged floor/hardscape area around the fireplace that should be repaired and evaluated for safe venting. Major structural problems (roof failure, foundation movement, collapsed ceilings) are not visible. With targeted safety items corrected and a small amount of carpentry/finish work, the property is likely to pass an initial HCV/NSPIRE inspection within 30 days; if detectors, GFCIs or mechanical systems are non-functional this could extend time-to-pass.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 68.0,
"rationale": "Interior finishes are mostly intact: walls, new-ish vinyl plank floors, cabinetry and counters in place. Noted issues: open/missing cabinet doors, worn/soiled finishes, localized floor damage/removed board near the fireplace (trip hazard/needs subfloor check), missing lower trim at some cabinets, and general cosmetic cleaning/paint required. Kitchen appliances are incompletely documented (dishwasher present; stove/fridge not visible in photos) — missing appliances would be an easy-to-fix capital cost but reduce immediate turnkey readiness. Overall the unit appears inhabitable after modest cosmetic repairs and a small scope of carpentry/floor repair."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards (no collapsed ceilings, visible active leaks, or major structural sagging). Porch guardrails present and egress windows appear adequate in photos. Concerns: smoke and carbon monoxide detectors are not clearly visible in bedroom photos (one small ceiling device is seen but locations/operation unknown), bathroom/kitchen GFCI protection is not documented (outlet at vanity present and not clearly GFCI), no visible deadbolt on exterior door in the photos, and the fireplace area shows damaged hearth/finish that requires further inspection for safe venting/clearances. These are common inspection fail items if not corrected; none are confirmed catastrophic from photos but raise inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 60.0,
"rationale": "Visible floor registers and ceiling return suggest central HVAC exists, but compressor/condensing unit and exact heating source are not shown. Plumbing fixtures (toilets, vanities, shower) are present and appear intact; water staining not evident in photos. Electrical panel, breaker condition, and appliance connections are not shown. Roofline and porch roof appear even with no visible sagging or major failure, but roof covering condition cannot be confirmed from provided photos. Given the home's 1994 age and limited systems documentation, moderate risk remains until mechanicals are verified and GFCI/smoke/CO functionality is confirmed."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior photos show an intact double-wide manufactured home with full front covered porch and rear deck, chain-link fenced yard, and concrete/block crawl/skirt. Siding and porch railings appear serviceable with normal vegetation; yard slopes toward the house slightly but no obvious standing water or major erosion shown. Some overgrown shrubs near the foundation should be trimmed. Site and envelope present low to moderate risk for inspection after routine exterior cleanup and confirmation of skirting/venting and stair/handrail integrity."
}
],
"red_flags": [
"No verified/sufficient smoke and CO detectors visible (NSPIRE failure risk if missing or non‑functional).",
"Potential absence of GFCI protection at kitchen and bathroom outlets (inspection fail risk if not installed/working).",
"Localized floor damage / missing board near the fireplace — trip hazard and possible subfloor deterioration needing repair.",
"Fireplace surround/hearth shows damage and requires inspection for safe venting/clearances before use."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is assumed present because ceiling/floor registers are visible; outdoor condensing unit and furnace condition were not provided.",
"Stove and refrigerator are not visible in photography and are assumed missing or not included; dishwasher is visible.",
"Smoke and carbon monoxide detector locations/operation are not documented; one ceiling device is visible but bedroom coverage is unconfirmed.",
"Electrical panel condition and labeling were not provided; assumed intact until proven otherwise.",
"No active roof leaks or major water intrusion assumed due to lack of visible stains/mold in interior photos, but attic/roof condition not verified.",
"Home sits on block/skirted piers (typical for double-wide manufactured homes) — foundation movement not observed in photos.",
"No evidence of severe pest/infestation was visible in photos; interior cleanliness suggests vacancy."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This double-wide manufactured home appears mostly sound and could become Section 8 / HCV rent-ready with targeted repairs and system verifications. Primary work items: repair the damaged floor/hearth in front of the fireplace (safety hazard), install/verify smoke and CO detectors and deadbolt locks, replace/cover missing outlet plates and ensure GFCI protection in kitchen/bath, provide or confirm functioning range and refrigerator, and perform operational checks on HVAC, water heater and electrical panel. With these repairs and a short maintenance/service check, the property is likely to pass an initial NSPIRE/HCV inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior appears largely intact cosmetically but shows multiple deferred-maintenance items: missing major appliances (no visible range/stove or refrigerator), open/misaligned cabinet doors, several scuffs and stains on walls, and localized floor damage in front of the fireplace (visible hole/weak area). Kitchen sink area shows incomplete install or missing sink cutout. Light fixtures are basic (exposed hanging bulbs) and some outlet/fixture covers appear missing. These are mostly repair/replace capital items rather than systemic failures, but the floor damage and fireplace hearth deterioration require immediate repair before occupancy."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Some safety items visible and some unknowns: windows appear adequate for egress in living/bedroom photos; entry doors look secure but deadbolt not visible. One round alarm-like device is visible on a wall (possible smoke alarm) but smoke and carbon monoxide detector coverage is not documented. The fireplace area has a damaged hearth and floor hole which is an immediate trip/fall and potential fire-safety concern. No obvious exposed live wiring seen in photos, but some missing outlet/plate covers and open electrical cutout behind the stove area increase risk. GFCI protection in bathrooms/kitchen not confirmed (bathroom outlets not shown as GFCI). No active leaks or collapsed ceilings are visible. Overall there's moderate NSPIRE compliance risk; fixes needed include full smoke/CO detector verification/installation, repairing hearth/floor, replacing outlet/plate covers, and confirming GFCI and deadbolt."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Major systems are partially evidenced but not fully documented in photos. Floor vents and a thermostat/return grille suggest a central HVAC system is present though operational status is unknown. No water heater, electrical panel, or HVAC equipment was photographed. Plumbing fixtures (toilets, sinks, shower) are present and appear intact; shower surround looks serviceable. Roof appears intact from exterior photos with no visible sagging or active leaks. Because functionality (heating/cooling, hot water, circuit protection) cannot be confirmed, moderate score assigned — likely functional but needs verification and possibly servicing. The fireplace condition requires inspection and repair by a qualified technician prior to use."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior photos show a covered front porch and rear deck, fenced yard on an acre, and generally intact siding and gutters. Manufactured double-wide sits on block/piers with skirting; no obvious foundation displacement or severe settlement visible in photos. Yard needs clean-up (leaves/shrub overgrowth) but no standing water or major erosion is evident. Walk-up steps to porches appear present; rail/guard condition not fully visible but no collapsed stairs observed. Overall exterior and site present as functional with routine cleanup and minor repairs recommended."
}
],
"red_flags": [
"Damaged floor/hole and deteriorated hearth in front of the fireplace — immediate trip/fall and possible structural/combustion safety issue.",
"Missing major kitchen appliances (range and likely refrigerator) as shown/omitted in photos.",
"Unverified smoke and carbon monoxide detector coverage; only one alarm-like device visible.",
"Open electrical cutout/possible missing outlet/plate covers in kitchen area — potential electrical hazard until covered/inspected."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC exists (floor vents/thermostat visible) and is physically present though operational status unconfirmed.",
"Water heater and electrical service (panel) are present on-site but were not photographed.",
"Missing kitchen range and refrigerator are not included in photos and are currently absent; seller/owner will supply or tenant will provide appliances.",
"No active roof leaks or major hidden water intrusion beyond visible interior images.",
"Manufactured home foundation (piers/blocks) is stable; skirting is generally intact though not fully photographed.",
"Septic/sewer and utility hookups are functional (no photos provided of sewer/septic)."
],
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This double-wide manufactured home appears structurally intact and close to rent-ready but has several inspection-risk items that must be addressed before a Housing Choice Voucher (NSPIRE) inspection. Primary concerns are electrical safety items (missing cover plates and probable lack of visible GFCI protection), absence of visible smoke/CO detectors, and a hole/damaged flooring near the fireplace which is a trip/exposed-subfloor hazard. Kitchen appears mostly renovated though a range and refrigerator are not pictured and would need to be provided or verified. Major systems (HVAC, plumbing, roof) show no obvious catastrophic failures from available photos, but mechanicals (furnace/water heater/electrical panel) were not shown and should be verified operational. With targeted repairs (install smoke/CO detectors, GFCI outlets where required, replace outlet covers, repair floor hole, confirm heating/water systems and appliances), the property would likely pass an initial inspection and be rentable within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior is largely intact with recent cosmetic updates (newer cabinets/countertops, plank flooring). Visible deferred items: cabinet door(s) missing/open, floor damage/hole near fireplace/hearth area (trip hazard and likely subfloor repair), some scuffs/staining on walls and trim, missing outlet/switch cover(s). No evidence of active water stains in photos. No visible stove or refrigerator in kitchen photos (dishwasher present) — missing appliances reduce readiness but are not a catastrophic structural issue. Overall condition indicates moderate cosmetic and point repairs needed; mostly repairable within weeks."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE Safety & Code Risk",
"score": 50.0,
"rationale": "Multiple inspection-risk items visible or reasonably inferred: open floor hole near hearth (trip/exposed subfloor risk); at least one missing outlet/switch cover (electrical shock risk). No clearly visible smoke detectors or carbon monoxide alarms in provided interior photos (required in common area and each sleeping area / CO if fuel-burning appliances present). Kitchen countertop outlet visible and appears to be a standard outlet (no visible GFCI device) — kitchens/bathrooms require GFCI protection. Handrails and guardrails on the porch appear present; yard fencing intact. Because smoke/CO alarms and GFCI protection are not visible and there are electrical safety items, the property has moderate risk of initial NSPIRE failure unless these are corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Evidence of central HVAC registers/vents in flooring suggests a forced-air system is present (not shown: furnace/condensing unit). Plumbing fixtures (toilets, dual sink vanity, shower stall) are present and appear intact; no visible active leaks in bathroom photos. Water heater and furnace are not shown; condition unknown. Fireplace/hearth exists — type and venting not confirmed; could require inspection/clearances. Electrical panel not shown. Roof and gutters visible from exterior photos look intact with no visible sagging or active leakage. Systems likely functional but not verified; modest risk until utilities and heating/water heater are confirmed operational."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior photos show an intact double-wide manufactured home on block/skirt foundation with a continuous covered front porch and rear deck, porch railings present, and a fenced yard (good for HCV requirements). Siding appears intact, gutters present, and roofline looks straight with no visible major failures. Yard is overgrown with leaves but no standing water or obvious drainage failure visible. Steps to porch exist; guardrails present. Overall exterior/site condition is reasonable with routine clean-up and minor landscaping needed."
}
],
"red_flags": [
"Exposed subfloor / hole in floor near fireplace (trip hazard, potential subfloor damage)",
"Electrical hazards: missing outlet/switch cover(s) and probable lack of visible GFCI protection near sinks",
"No clearly visible smoke detectors or carbon monoxide alarms in the photos (NSPIRE requirement)",
"Unknown condition/location of furnace / water heater / electrical panel (critical systems not shown)"
],
"confidence": 0.65,
"assumptions": [
"Central HVAC exists and is operable — inferred from visible floor registers/vents; furnace/condensing unit not shown.",
"Water heater and electrical panel are present on property but not pictured; their condition is unknown and assumed functional unless proven otherwise.",
"No active roof leaks are present — exterior roofline and gutters appear intact in photos.",
"Smoke detectors and CO alarms are not visible in provided photos; assume missing or not in required locations until verified.",
"Kitchen range/stove and refrigerator are not present in photos; assume they are not currently installed and will need to be provided or confirmed.",
"Fireplace is present but the type/venting condition is unknown and will require verification for safe operation/clearances.",
"Manufactured home skirting/block foundation is intact as shown; anchoring/tie-downs and HUD label presence were not verified."
],
"overall_score": 62.0,
"rubric_version": "ns-p-hcv-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "8151 Susan Dr, Dora, AL, 35062",
"aggregate": {
"summary": "This double-wide manufactured home appears in generally serviceable condition with mostly cosmetic repairs and a few localized fixes required. The interior floors, cabinetry and fixtures are present; bathrooms and kitchen show usable fixtures though at least one appliance (stove/fridge) is not visible and would likely need provision. Primary inspection risks are missing/uncertain smoke & CO detectors, possible lack of GFCI protection in kitchen/bath, and a damaged floor/hardscape area around the fireplace that should be repaired and evaluated for safe venting. Major structural problems (roof failure, foundation movement, collapsed ceilings) are not visible. With targeted safety items corrected and a small amount of carpentry/finish work, the property is likely to pass an initial HCV/NSPIRE inspection within 30 days; if detectors, GFCIs or mechanical systems are non-functional this could extend time-to-pass.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 64.3,
"rationale": "Interior finishes are mostly intact: walls, new-ish vinyl plank floors, cabinetry and counters in place. Noted issues: open/missing cabinet doors, worn/soiled finishes, localized floor damage/removed board near the fireplace (trip hazard/needs subfloor check), missing lower trim at some cabinets, and general cosmetic cleaning/paint required. Kitchen appliances are incompletely documented (dishwasher present; stove/fridge not visible in photos) — missing appliances would be an easy-to-fix capital cost but reduce immediate turnkey readiness. Overall the unit appears inhabitable after modest cosmetic repairs and a small scope of carpentry/floor repair."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior photos show an intact double-wide manufactured home with full front covered porch and rear deck, chain-link fenced yard, and concrete/block crawl/skirt. Siding and porch railings appear serviceable with normal vegetation; yard slopes toward the house slightly but no obvious standing water or major erosion shown. Some overgrown shrubs near the foundation should be trimmed. Site and envelope present low to moderate risk for inspection after routine exterior cleanup and confirmation of skirting/venting and stair/handrail integrity."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "No obvious life‑threatening hazards (no collapsed ceilings, visible active leaks, or major structural sagging). Porch guardrails present and egress windows appear adequate in photos. Concerns: smoke and carbon monoxide detectors are not clearly visible in bedroom photos (one small ceiling device is seen but locations/operation unknown), bathroom/kitchen GFCI protection is not documented (outlet at vanity present and not clearly GFCI), no visible deadbolt on exterior door in the photos, and the fireplace area shows damaged hearth/finish that requires further inspection for safe venting/clearances. These are common inspection fail items if not corrected; none are confirmed catastrophic from photos but raise inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 60.0,
"rationale": "Visible floor registers and ceiling return suggest central HVAC exists, but compressor/condensing unit and exact heating source are not shown. Plumbing fixtures (toilets, vanities, shower) are present and appear intact; water staining not evident in photos. Electrical panel, breaker condition, and appliance connections are not shown. Roofline and porch roof appear even with no visible sagging or major failure, but roof covering condition cannot be confirmed from provided photos. Given the home's 1994 age and limited systems documentation, moderate risk remains until mechanicals are verified and GFCI/smoke/CO functionality is confirmed."
}
],
"red_flags": [
"No verified/sufficient smoke and CO detectors visible (NSPIRE failure risk if missing or non‑functional).",
"Potential absence of GFCI protection at kitchen and bathroom outlets (inspection fail risk if not installed/working).",
"Localized floor damage / missing board near the fireplace — trip hazard and possible subfloor deterioration needing repair.",
"Fireplace surround/hearth shows damage and requires inspection for safe venting/clearances before use."
],
"confidence": 0.92,
"assumptions": [
"Central HVAC is assumed present because ceiling/floor registers are visible; outdoor condensing unit and furnace condition were not provided.",
"Stove and refrigerator are not visible in photography and are assumed missing or not included; dishwasher is visible.",
"Smoke and carbon monoxide detector locations/operation are not documented; one ceiling device is visible but bedroom coverage is unconfirmed.",
"Electrical panel condition and labeling were not provided; assumed intact until proven otherwise.",
"No active roof leaks or major water intrusion assumed due to lack of visible stains/mold in interior photos, but attic/roof condition not verified.",
"Home sits on block/skirted piers (typical for double-wide manufactured homes) — foundation movement not observed in photos.",
"No evidence of severe pest/infestation was visible in photos; interior cleanliness suggests vacancy."
],
"score_method": "mean_of_criteria",
"overall_score": 62.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7466768989"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.