Property ID: 7482209685
109 9th Ct S, Bessemer, AL, 35020
Bessemer, AL
Money Down: $24,960
CoC Return: 9.59%
Monthly Cash Flow: $200
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,800
Closing Costs
$4,160
Total Down
$24,960
Investment Snapshot
Purchase Price
$104,000
Money Down
$24,960
Cash-on-Cash Return
9.59%
Rent
$1,043
Monthly Cash Flow
$200
Annual Cash Flow
$2,394
Debt Service / Mo
$554
Property Tax / Mo
$114
Insurance / Mo
$72
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,043
Payment Standard
$1,419
Rent
$1,043
Insurance
$72
Property Tax
$114
Management
$104
Utilities Allowance
$376
NOI (Monthly)
$753
Debt Service
$554
Cash Flow After Debt
$200
Quality Score: 73.40%
Confidence: 94.00%
This 3-bed/2-bath home is largely turnkey for a Housing Choice Voucher inspection: interiors are freshly painted with new flooring, appliances (gas range and refrigerator) are present, smoke alarms are visible, and there are clear supply vents and a thermostat indicating central HVAC. Main inspection risks are absence of a visible carbon monoxide alarm (required with a gas stove), no obvious GFCI protection at kitchen sink, and minor ceiling staining indicating past water intrusion that should be investigated. No major structural defects or active hazards are visible in provided photos. With quick corrections (install CO alarm, confirm/retrofit GFCI, verify no active leaks, confirm water heater/HVAC operation and provide exterior/roof documentation) this property would likely pass an initial NSPIRE/HCV inspection within 1–3 weeks. Overall readiness score (weighted) is 75/100.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$376
Guaranteed Section 8 Rent (PS - Utilities)
$1,043
Property Management
$104
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$104,000
Beds
3
Baths
2
Living Area
1,344 sqft
Lot Size
8,712 sqft
Year Built
1948
Days on Market
270
Capital Outlay
$24,960
Debt Service
$554
Property Tax / Mo
$114
Insurance / Mo
$72
Property Description
Welcome to 109 9th Court South! Charming 3 bed / 2 bath home in the Cloverdale community. Fresh paint throughout. Kitchen includes a gas stove & refrigerator. Schedule your showing today!
Utility Allowances
Heating
$38
Property has gas stove and gas water heater, making natural gas the most likely heating fuel. 'N'Gas: Spire' was selected as a major regional provider.
Cooling
$15
Property has central cooling. The 'A/C: Bessemer' schedule was selected as the property is located in Bessemer, AL.
Cooking
$15
Property includes a gas stove. 'N'Gas: Spire' was selected as a major regional provider.
Water Heating
$35
Property includes a gas water heater. 'N'Gas: Spire' was selected as a major regional provider.
Water
$68
Property has public water. The 'Water: Bessemer' schedule was selected as the property is located in Bessemer, AL.
Sewer
$151
Property is connected to a public sewer system. The allowance is based on the fixed rate for a 3-bedroom unit.
Trash Collection
$0
Trash collection is a standard utility. The schedule for 'Bessemer ISCL' (Inside City Limits) specifies a $0 allowance, suggesting the cost may be covered by the landlord or through taxes.
Other Electric
$48
Covers basic electric needs like lighting. The 'Lights, Ref, Etc.: Bessemer' schedule was selected as the property is located in Bessemer, AL.
Refrigerator
$0
The property description states a refrigerator is included, so there is no allowance for the tenant.
Range/Microwave
$6
A microwave is not listed as an included appliance, so it is assumed to be tenant-owned and the corresponding allowance is applied.
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$709
DP3 Annual Estimate$1,013
DP1 Monthly Equivalent$59
DP3 Monthly Equivalent$84
Replacement Value$86,100
Basis1,344 sqft / 1948
Nearby Houses
Photo unavailable
208 9th Ct S
for_sale · 0.04 mi
Price: $145,000
— bd / — ba
Latest sale: $65,000 on Oct 29, 2021
Latest rent: $850 on Sep 12, 2024
Photo unavailable
206 9th Ct S
sold · 0.04 mi
Price: $65,000
4 bd / 2 ba
Latest sale: $65,000 on Oct 25, 2021
Latest rent: —
Photo unavailable
220 9th Ct S
sold · 0.06 mi
Price: $32,500
2 bd / 2 ba
Latest sale: $32,500 on Apr 10, 2020
Latest rent: —
Photo unavailable
201 10th St S
sold · 0.06 mi
Price: $19,400
3 bd / 2 ba
Latest sale: $19,400 on Sep 16, 2016
Latest rent: $750 on Apr 02, 2019
Photo unavailable
1010 Hall Ave
sold · 0.08 mi
Price: $150,000
1 bd / 1 ba · 768 sqft
Latest sale: $150,000 on Sep 06, 2023
Latest rent: —
Photo unavailable
223 9th St S
sold · 0.09 mi
Price: $95,000
2 bd / 1 ba · 1,117 sqft
Latest sale: $95,000 on Jul 11, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible carbon monoxide detector in photos (required with gas appliances) — likely inspection fail until installed.
- No clearly visible GFCI-protected kitchen receptacle near sink — possible code/NSPIRE issue.
- Ceiling staining in several rooms indicating prior water intrusion that requires verification (roof/plumbing).
- No exterior, roof, foundation, or water heater photos to confirm condition — unknowns that could reveal major issues.
Assumptions
- Listing statement that kitchen includes gas stove & refrigerator is accurate and the appliances shown are functional.
- Floor vents and visible thermostat indicate an existing central HVAC system; system is assumed present but not directly inspected.
- Water heater and exterior mechanical equipment exist on site but were not photographed; their condition is unknown.
- Ceiling staining photos represent prior or minor events; no active leak or ongoing structural sagging is evident in photos.
- No known local code deviations beyond NSPIRE; local CO detector and electrical receptacle requirements will follow common US practice (CO alarm where fuel-burning appliances exist, GFCI in kitchen).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,327 | $96,600 | $19,320 |
| 2023 | $1,327 | $96,600 | $19,320 |
| 2022 | $1,270 | $92,500 | $18,500 |
| 2021 | $632 | $46,000 | $9,200 |
| 2020 | $632 | $46,000 | $9,200 |
| 2019 | $632 | $46,000 | $9,200 |
| 2018 | $541 | $39,400 | $7,880 |
| 2017 | $541 | $39,400 | $7,880 |
| 2016 | $541 | $39,400 | $7,880 |
| 2015 | $541 | $39,400 | $7,880 |
| 2013 | $549 | $38,900 | $7,780 |
| 2012 | $549 | $38,900 | $7,780 |
| 2011 | $556 | $39,400 | $7,880 |
| 2010 | $556 | $39,400 | $7,880 |
| 2009 | $604 | $42,900 | $8,580 |
| 2008 | $629 | $44,700 | $8,940 |
| 2007 | $589 | $41,800 | $8,360 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-04-06 | Sold | $80,000 |
| 2011-06-16 | Sold | $18,440 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2022-08-23 | Listed for rent | $1,250 | — |
| 2022-06-03 | Listed for rent | $1,250 | — |
Photo Gallery
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},
"assessment": {
"land": null,
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},
{
"tax": 541,
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},
"assessment": {
"land": null,
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},
{
"tax": 541,
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"assessment": {
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},
{
"tax": 541,
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},
{
"tax": 541,
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},
{
"tax": 549,
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"assessment": {
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},
{
"tax": 549,
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"assessment": {
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},
{
"tax": 556,
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},
{
"tax": 556,
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},
{
"tax": 604,
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},
{
"tax": 629,
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},
{
"tax": 589,
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{
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{
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{
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{
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},
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"processing_status": {
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/109-9th-Ct-S_Bessemer_AL_35020_M74822-09685",
"bedroom_count": 3,
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"insurance_monthly": 71.75,
"monthly_cash_flow": 753.05,
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"_utility_allowance": {
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],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has gas stove and gas water heater, making natural gas the most likely heating fuel. 'N'Gas: Spire' was selected as a major regional provider.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property has central cooling. The 'A/C: Bessemer' schedule was selected as the property is located in Bessemer, AL.",
"utility": "Cooling",
"allowance": 15
},
{
"note": "Property includes a gas stove. 'N'Gas: Spire' was selected as a major regional provider.",
"utility": "Cooking",
"allowance": 15
},
{
"note": "Property includes a gas water heater. 'N'Gas: Spire' was selected as a major regional provider.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "Property has public water. The 'Water: Bessemer' schedule was selected as the property is located in Bessemer, AL.",
"utility": "Water",
"allowance": 68
},
{
"note": "Property is connected to a public sewer system. The allowance is based on the fixed rate for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash collection is a standard utility. The schedule for 'Bessemer ISCL' (Inside City Limits) specifies a $0 allowance, suggesting the cost may be covered by the landlord or through taxes.",
"utility": "Trash Collection",
"allowance": 0
},
{
"note": "Covers basic electric needs like lighting. The 'Lights, Ref, Etc.: Bessemer' schedule was selected as the property is located in Bessemer, AL.",
"utility": "Other Electric",
"allowance": 48
},
{
"note": "The property description states a refrigerator is included, so there is no allowance for the tenant.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A microwave is not listed as an included appliance, so it is assumed to be tenant-owned and the corresponding allowance is applied.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.43,
"down_payment_amount": 20800.0,
"property_tax_annual": 1366.81,
"property_tax_monthly": 113.9,
"property_tax_increase": 0.03,
"utility_allowance_total": 376.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2394.21,
"property_management_monthly": 104.3,
"monthly_cash_flow_after_debt": 199.52,
"cash_on_cash_return_after_debt": 0.12
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed/2-bath home is largely turnkey for a Housing Choice Voucher inspection: interiors are freshly painted with new flooring, appliances (gas range and refrigerator) are present, smoke alarms are visible, and there are clear supply vents and a thermostat indicating central HVAC. Main inspection risks are absence of a visible carbon monoxide alarm (required with a gas stove), no obvious GFCI protection at kitchen sink, and minor ceiling staining indicating past water intrusion that should be investigated. No major structural defects or active hazards are visible in provided photos. With quick corrections (install CO alarm, confirm/retrofit GFCI, verify no active leaks, confirm water heater/HVAC operation and provide exterior/roof documentation) this property would likely pass an initial NSPIRE/HCV inspection within 1–3 weeks. Overall readiness score (weighted) is 75/100.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 80.0,
"rationale": "Interior shows fresh paint, consistent new/like-new vinyl plank flooring throughout, intact baseboards and trim. Kitchen has working gas range and refrigerator present (listing confirms). Cabinets show age and minor cosmetic damage/peeling at edges, and a few ceiling panels show light staining — cosmetic but should be addressed. No visible collapsed ceilings, exposed subfloor, or major drywall failure. Overall only minor cosmetic and cabinetry repairs are needed; missing capital items are not evident."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 70.0,
"rationale": "Smoke detectors are visible in photos (mounted on ceilings/walls). Entry door(s) include a keyed lock and at least one electronic deadbolt seen in photos. Electrical panel is visible and appears intact inside a living area. No exposed wiring or obvious trip hazards visible. Bedrooms appear to have adequate egress windows. However: no carbon monoxide alarm was visible in any interior photo (required where fuel-burning appliances are present), and no clearly identified GFCI-protected receptacle at kitchen sink was observed — both are common inspection fails. Small ceiling stains near fixtures suggest prior water intrusion (needs confirmation). These items reduce the safety/code score."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 65.0,
"rationale": "Floor supply vents and a wall thermostat are visible, indicating a central HVAC duct system likely present. Electrical panel location appears modern and intact. The kitchen gas stove and vent hood are present and appear functional. Plumbing fixtures (kitchen sink, faucet, toilets) are present and appear operational in photos. Water heater and HVAC equipment (furnace/AC condenser) are not shown; roof, gutters and external mechanical condition not visible. Minor ceiling stains may indicate a past or intermittent leak that could affect roof or plumbing. Given visible positive indicators but lack of direct equipment photos, systems score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 60.0,
"rationale": "No exterior images were provided. Because interior photos show recent cosmetic updates and there is a rental history, it is reasonable to infer the exterior is maintained to an average standard, but this cannot be confirmed. Absence of exterior/roof/foundation photos means inability to verify roof integrity, siding, grading/drainage, steps/handrails, or evidence of standing water or pest entry. Score is conservative to reflect these unknowns."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible carbon monoxide detector in photos (required with gas appliances) — likely inspection fail until installed.",
"No clearly visible GFCI-protected kitchen receptacle near sink — possible code/NSPIRE issue.",
"Ceiling staining in several rooms indicating prior water intrusion that requires verification (roof/plumbing).",
"No exterior, roof, foundation, or water heater photos to confirm condition — unknowns that could reveal major issues."
],
"confidence": 0.6,
"assumptions": [
"Listing statement that kitchen includes gas stove & refrigerator is accurate and the appliances shown are functional.",
"Floor vents and visible thermostat indicate an existing central HVAC system; system is assumed present but not directly inspected.",
"Water heater and exterior mechanical equipment exist on site but were not photographed; their condition is unknown.",
"Ceiling staining photos represent prior or minor events; no active leak or ongoing structural sagging is evident in photos.",
"No known local code deviations beyond NSPIRE; local CO detector and electrical receptacle requirements will follow common US practice (CO alarm where fuel-burning appliances exist, GFCI in kitchen)."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/2BA single-family appears largely turnkey inside: fresh paint, new vinyl plank flooring, included gas range and refrigerator, intact trim, visible electrical panel, and signs of central HVAC (thermostat and vents). Primary concerns for a clean Section 8/NSPIRE initial inspection are verification of required detectors (CO alarm not visible), GFCI protection at kitchen area, and investigation of minor ceiling staining that could indicate prior or active water intrusion. No major structural or life-safety failures are apparent in the provided photos. With targeted checks/repairs (install CO detector, ensure GFCI, confirm HVAC and hot water operation, and address any active leaks) the property is likely to pass a Housing Choice Voucher inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show fresh paint, new-looking vinyl plank flooring throughout, intact trim and baseboards, functioning kitchen appliances included (gas range and refrigerator) and generally tidy finishes. Cabinet faces show normal wear; small finish gaps at some thresholds and minor cabinet damage are visible. Ceiling tiles are mostly intact but show some minor discoloration/staining in places (see kitchen ceiling). These are mostly cosmetic or easy-to-fix/capital items; no major deferred-maintenance visible in the photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 72.0,
"rationale": "Positive: electrical panel is present with cover, outlets have covers, at least one smoke alarm-like device is visible, windows present in every bedroom (egress likely but not measured), entry door(s) appear secure (one door shows a keyed keypad/deadbolt). Risks: no clearly visible CO detector (important because a gas stove is present), no clearly visible GFCI outlet at the kitchen sink area in photos (required by many local jurisdictions/NSPIRE for safety), ceiling staining suggests prior or possible water intrusion that should be inspected, and the home was built in 1948 so lead-based paint risk exists even though no peeling paint is apparent. No exposed wiring, broken handrails, or obvious trip hazards visible in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Evidence of central HVAC is present (floor/ceiling supply vents and a wall thermostat), and the electrical panel is visible and appears intact. Kitchen plumbing fixtures and faucet appear modern and functional. Gas range and hood present; refrigerator included per listing/photos. Unknowns: water heater is not pictured, roof condition not visible from exterior photos, and the ceiling staining in some images could indicate past roof/plumbing leaks that require follow-up. Overall likely functional but requires verification (water heater, HVAC operation, roof/leak inspection)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "No exterior photos provided; exterior/site condition must be inferred. Interior shows normal settlement for age; no interior evidence of major foundation movement (no large cracks visible), but the house is 1948 — there is inherent higher risk for older framing, exterior wear, and lead-based paint. Without exterior inspection items like roof condition, siding, gutters, grading/drainage, steps/porch, and visible foundation, a conservative mid-range score is assigned."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Ceiling discoloration/staining in kitchen area — possible past or active water intrusion (requires inspection).",
"No visible carbon monoxide detector in photos while a gas range is present — CO detector likely required.",
"No visible GFCI-protected outlet at the kitchen sink in photos — may fail local code/NSPIRE requirement.",
"House built in 1948 — lead-based paint risk exists; must follow HUD lead-based paint rules and inspect for peeling/chipping paint.",
"Exterior and roof condition unknown (no exterior photos); unseen exterior issues could become inspection blockers."
],
"confidence": 0.7,
"assumptions": [
"Listing text and photos are current and accurately represent the unit; the gas stove and refrigerator are present and functioning as stated in the listing.",
"Central HVAC is present and operational because of visible thermostat and supply vents, though not directly tested in photos.",
"Smoke alarm(s) are present (at least one device visible); carbon monoxide detector(s) are not visible in photos and should be assumed not present until confirmed.",
"No active roof failure or large foundation movement is present unless interior ceiling stain represents ongoing leak — this requires on-site verification.",
"Bedroom windows meet egress requirements by size/operation; compliance not measured from photos and should be verified on-site.",
"Water heater and hot water availability are assumed typical for an occupied home but are not pictured and should be confirmed.",
"Exterior elements (roof, siding, gutters, grading, steps/rails) were not photographed; exterior condition assumed average for age unless inspection shows otherwise."
],
"overall_score": 78.0,
"rubric_version": "ns_pire_v1.0"
},
{
"summary": "This 3 bed/2 bath single-family interior appears mostly turnkey for Section 8 tenancy with fresh paint, new-looking flooring, functioning kitchen appliances present, covered electrical panel, and at least one smoke detector visible. The property is likely to pass an initial HCV/NSPIRE inspection after addressing a few minor items: confirm and install a carbon monoxide detector (required because of the gas stove), verify and/or install GFCI protection for kitchen outlets, investigate and remedy the ceiling discoloration (potential water intrusion), and confirm HVAC and hot water systems are operational. No severe structural or life-safety failures are visible from the photos. Expect minor repairs and documentation to be completed within 1–4 weeks to be inspection-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior photos show fresh paint, consistent new-looking vinyl plank flooring, intact drywall and trim, functioning kitchen cabinets and countertops with only minor wear, and included appliances (gas range and refrigerator). Cosmetic items only: cabinet wear at edges, some ceiling tile seams and minor cosmetic ceiling discoloration in places. Missing major visible damage or collapsed surfaces. These are easy-to-fix/maintenance items and do not indicate immediate uninhabitability."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.0,
"rationale": "Positive observations: at least one smoke detector is visible in photos and the electrical panel is present and appears covered. Entry door shows a secure lock (electronic lock visible in one photo). Windows appear large enough for bedroom egress. Negative/unknowns: no carbon monoxide detector is visible (gas stove present), no clear GFCI receptacle visible near the kitchen sink, and there are ceiling discoloration/stain areas that suggest prior or intermittent water intrusion which must be investigated. No exposed wiring or obvious trip hazards seen. Because CO & GFCI status and the source of ceiling stains are unknown, there is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 72.0,
"rationale": "Evidence of central forced-air distribution (floor registers) and a wall thermostat imply HVAC exists, but no equipment (furnace/AC condenser/water heater) is pictured. Electrical panel appears intact and no exposed wiring is visible. Kitchen plumbing and fixtures appear functional and the gas stove is installed. Ceiling stains indicate a potential plumbing leak or roof-related water intrusion that requires verification. Overall systems appear present and likely operational but lack visual confirmation of appliances (HVAC unit, water heater) and roof condition, so deduct modestly for unknowns and the water-stain risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 78.0,
"rationale": "No exterior photos provided; assessment based on interior views through windows which show maintained yard/green space and no obvious exterior drainage pooling visible. Interior base of walls and floors show no major foundation displacement or severe moisture wicking (no rising-sill gaps visible). Because roof, siding, foundation, porch/stairs and outside drainage cannot be visually confirmed from supplied photos, score is reduced modestly for uncertainty."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Ceiling discoloration / staining visible in multiple photos — potential prior or active water intrusion; source must be investigated (roof or plumbing).",
"No carbon monoxide detector visible (gas stove present) — CO alarm required where fossil fuel appliances exist.",
"No visible GFCI receptacle near kitchen sink in photos — GFCI protection required for kitchen receptacles per NSPIRE/codes.",
"No exterior/roof photos provided — roof, foundation and exterior envelope condition unknown and should be inspected before leasing."
],
"confidence": 0.65,
"assumptions": [
"Kitchen gas stove and refrigerator pictured are operational and included with the unit as the listing states.",
"Floor registers and wall thermostat indicate a forced-air HVAC system is present and functional, though the equipment (furnace/AC) was not photographed.",
"Hot water is available and water heater is functional though not pictured.",
"Smoke detector seen in photos is operational (batteries/connection not verified).",
"Windows shown provide adequate bedroom egress based on size and double-hung design.",
"No exterior photos were provided; exterior condition (roof, siding, foundation) is inferred as average/maintained from interior condition and visible yard.",
"Ceiling discoloration represents prior or minor water intrusion; not an actively collapsing ceiling based on photos."
],
"overall_score": 77.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "109 9th Ct S, Bessemer, AL, 35020",
"aggregate": {
"summary": "This 3-bed/2-bath home is largely turnkey for a Housing Choice Voucher inspection: interiors are freshly painted with new flooring, appliances (gas range and refrigerator) are present, smoke alarms are visible, and there are clear supply vents and a thermostat indicating central HVAC. Main inspection risks are absence of a visible carbon monoxide alarm (required with a gas stove), no obvious GFCI protection at kitchen sink, and minor ceiling staining indicating past water intrusion that should be investigated. No major structural defects or active hazards are visible in provided photos. With quick corrections (install CO alarm, confirm/retrofit GFCI, verify no active leaks, confirm water heater/HVAC operation and provide exterior/roof documentation) this property would likely pass an initial NSPIRE/HCV inspection within 1–3 weeks. Overall readiness score (weighted) is 75/100.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 81.7,
"rationale": "Interior shows fresh paint, consistent new/like-new vinyl plank flooring throughout, intact baseboards and trim. Kitchen has working gas range and refrigerator present (listing confirms). Cabinets show age and minor cosmetic damage/peeling at edges, and a few ceiling panels show light staining — cosmetic but should be addressed. No visible collapsed ceilings, exposed subfloor, or major drywall failure. Overall only minor cosmetic and cabinetry repairs are needed; missing capital items are not evident."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 67.7,
"rationale": "No exterior images were provided. Because interior photos show recent cosmetic updates and there is a rental history, it is reasonable to infer the exterior is maintained to an average standard, but this cannot be confirmed. Absence of exterior/roof/foundation photos means inability to verify roof integrity, siding, grading/drainage, steps/handrails, or evidence of standing water or pest entry. Score is conservative to reflect these unknowns."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 70.7,
"rationale": "Smoke detectors are visible in photos (mounted on ceilings/walls). Entry door(s) include a keyed lock and at least one electronic deadbolt seen in photos. Electrical panel is visible and appears intact inside a living area. No exposed wiring or obvious trip hazards visible. Bedrooms appear to have adequate egress windows. However: no carbon monoxide alarm was visible in any interior photo (required where fuel-burning appliances are present), and no clearly identified GFCI-protected receptacle at kitchen sink was observed — both are common inspection fails. Small ceiling stains near fixtures suggest prior water intrusion (needs confirmation). These items reduce the safety/code score."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 69.0,
"rationale": "Floor supply vents and a wall thermostat are visible, indicating a central HVAC duct system likely present. Electrical panel location appears modern and intact. The kitchen gas stove and vent hood are present and appear functional. Plumbing fixtures (kitchen sink, faucet, toilets) are present and appear operational in photos. Water heater and HVAC equipment (furnace/AC condenser) are not shown; roof, gutters and external mechanical condition not visible. Minor ceiling stains may indicate a past or intermittent leak that could affect roof or plumbing. Given visible positive indicators but lack of direct equipment photos, systems score is moderate."
}
],
"red_flags": [
"No visible carbon monoxide detector in photos (required with gas appliances) — likely inspection fail until installed.",
"No clearly visible GFCI-protected kitchen receptacle near sink — possible code/NSPIRE issue.",
"Ceiling staining in several rooms indicating prior water intrusion that requires verification (roof/plumbing).",
"No exterior, roof, foundation, or water heater photos to confirm condition — unknowns that could reveal major issues."
],
"confidence": 0.94,
"assumptions": [
"Listing statement that kitchen includes gas stove & refrigerator is accurate and the appliances shown are functional.",
"Floor vents and visible thermostat indicate an existing central HVAC system; system is assumed present but not directly inspected.",
"Water heater and exterior mechanical equipment exist on site but were not photographed; their condition is unknown.",
"Ceiling staining photos represent prior or minor events; no active leak or ongoing structural sagging is evident in photos.",
"No known local code deviations beyond NSPIRE; local CO detector and electrical receptacle requirements will follow common US practice (CO alarm where fuel-burning appliances exist, GFCI in kitchen)."
],
"score_method": "mean_of_criteria",
"overall_score": 73.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7482209685"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.