Property ID: 7482445509

144 Yvonne Dr, Westwego, LA, 70094

Westwego, LA

For Sale Mar 27, 2026 02:51 AM UTC Realtor Zillow Street View Rent Zestimate
Money Down: $58,800 CoC Return: 7.71% Monthly Cash Flow: $378
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$49,000
Closing Costs
$9,800
Total Down
$58,800
Primary property image

Investment Snapshot

Purchase Price
$245,000
Money Down
$58,800
Cash-on-Cash Return
7.71%
Rent
$2,002
Monthly Cash Flow
$378
Annual Cash Flow
$4,534
Debt Service / Mo
$1,304
Property Tax / Mo
$75
Insurance / Mo
$45

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$2,002
Payment Standard
$2,328
Rent
$2,002
Insurance
$45
Property Tax
$75
Management
$200
Utilities Allowance
$326
NOI (Monthly)
$1,682
Debt Service
$1,304
Cash Flow After Debt
$378

Quality Score: 84.30%

Confidence: 92.00%

Property appears to be turnkey for Section 8 / HCV occupancy with high likelihood of passing an initial NSPIRE inspection after a brief on-site verification. Recent roof and HVAC replacements plus full interior renovations and installed appliances strongly reduce inspection risk. Outstanding verifications needed: presence and placement of smoke and CO detectors, GFCI outlets, electrical panel condition, and water heater location/condition. Addressing those quick verification items should make the unit fully inspection-ready.

Section 8 Payment Standard
$2,328
Utility Allowance Total
$326
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$245,000
Beds
4
Baths
2.5
Living Area
1,754 sqft
Lot Size
Year Built
1962
Days on Market
14
Capital Outlay
$58,800
Debt Service
$1,304
Property Tax / Mo
$75
Insurance / Mo
$45

Property Description

Welcome to this beautifully updated Traditional-style home that blends timeless design with modern comforts. Featuring a spacious layout and fresh renovations throughout, this move-in ready home offers 4 bedrooms, 2 and a half bathrooms, rear yard access and a covered carport for added convenience. Enjoy peace of mind with a 3-year-old roof, brand-new HVAC system, and all-new interior and exterior finishes. The updated kitchen boasts contemporary cabinetry, counter tops, and fixtures, while the bathrooms have been tastefully remodeled with modern touches. Fresh paint, new flooring, and updated lighting complete the transformation. Step outside to a generous yard space, perfect for entertaining or relaxing. Whether you're a first-time buyer or looking to upgrade, this home delivers quality and style in one complete package. X Flood zone! Eligible for 100% financing! Don't miss your chance to own this like-new home with classic charm.

Utility Allowances

Heating
$79
Selected 'natural_gas' as the property listing's utility section explicitly states 'Gas: Natural'.
Cooking
$14
Selected 'natural_gas' because the property listing specifies 'Gas: Natural' and includes a range/oven.
Water Heating
$27
Selected 'natural_gas' as it is listed as a utility for the property, making it the most logical fuel for water heating.
Water
$50
The property listing's utility section specifies 'Water Source: Public'.
Sewer
$54
The property listing's utility section specifies 'Sewer: City'.
Trash Collection
$25
Trash collection is a standard utility for a single-family home and is assumed to be the tenant's responsibility.
Other Electric
$77
This covers general electricity usage for lights, outlets, and miscellaneous appliances not covered by other specific utility categories.

Source References

Utility Allowance Source
Effective Date: Jan 01, 2026
No utility allowance source links available.

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$487
DP3 Annual Estimate$596
DP1 Monthly Equivalent$41
DP3 Monthly Equivalent$50
Replacement Value$13,000
Basis1,754 sqft / 1962

Nearby Houses

Nearby house 1
Photo unavailable

164 Yvonne Dr

for_sale · 0.06 mi
Price: $139,900
3 bd / 1 ba · 1,167 sqft
Latest sale: —
Latest rent: —
Nearby house 2
Photo unavailable

113 Yvonne Dr

sold · 0.09 mi
Price: $205,000
3 bd / 2 ba · 1,682 sqft
Latest sale: — on Sep 20, 2021
Latest rent: —
Nearby house 3
Photo unavailable

116 W St Ann Dr Lot 116

for_sale · 0.10 mi
Price: $140,000
— bd / — ba · 7,000 sqft
Latest sale: —
Latest rent: —
Nearby house 4
Photo unavailable

109 S St Ann Dr Lot 109

for_sale · 0.11 mi
Price: $159,000
— bd / — ba · 8,230 sqft
Latest sale: —
Latest rent: —
Nearby house 5
Photo unavailable

112 S St Ann Dr Lot 112

for_sale · 0.11 mi
Price: $134,280
— bd / — ba · 8,230 sqft
Latest sale: —
Latest rent: —
Nearby house 6
Photo unavailable

128 Valentine Dr

sold · 0.12 mi
Price: $90,000
3 bd / 1 ba · 975 sqft
Latest sale: — on Oct 02, 2023
Latest rent: —
Nearby house 7
Photo unavailable

108 S St Ann Dr Lot 1028

for_sale · 0.12 mi
Price: $159,000
— bd / — ba · 8,230 sqft
Latest sale: —
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Listing is accurate: roof is ~3 years old and HVAC is brand-new and operational.
  • Stove pictured is a gas range (visual appearance) and is properly connected and safe.
  • Smoke detectors and CO alarms are not visible in photos and therefore assumed absent/unverified until on-site check.
  • GFCI protection in kitchen and bathrooms is unverified from photos and assumed unknown.
  • Electrical panel, water heater, and visible drainage/grade were not shown and therefore assumed serviceable unless found otherwise during inspection.
  • Bedrooms' windows provide adequate egress based on standard window sizes shown in photos.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $872 $66,500 $6,650
2024 $327 $25,000 $2,500
2023 $1,160 $84,600 $8,460
2022 $1,132 $84,600 $8,460
2021 $1,070 $84,600 $8,460
2020 $1,062 $84,600 $8,460
2019 $1,098 $84,600 $8,460
2018 $1,027 $84,600 $8,460
2017 $990 $84,600 $8,460
2016 $974 $84,600 $8,460
2015 $987 $84,600 $8,460
2014 $976 $84,600 $8,460
2013 $975 $84,600 $8,460
2012 $110 $84,600 $8,460
2011 $86 $82,400 $8,240
2010 $937 $82,400 $8,240
2009 $891 $82,400 $8,240
2008 $79 $8,240

Sale History

DateEventPrice
2024-07-01 Sold
2023-12-27 Sold

Photo Gallery

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              "Bedroom 3 Dimensions: 8.9' x 10.5'",
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              "land": 26000,
              "total": 84600,
              "building": 58600
            },
            "assessment": {
              "land": 2600,
              "total": 8460,
              "building": 5860
            }
          },
          {
            "tax": 976,
            "year": 2014,
            "market": {
              "land": 26000,
              "total": 84600,
              "building": 58600
            },
            "assessment": {
              "land": 2600,
              "total": 8460,
              "building": 5860
            }
          },
          {
            "tax": 975,
            "year": 2013,
            "market": {
              "land": 26000,
              "total": 84600,
              "building": 58600
            },
            "assessment": {
              "land": 2600,
              "total": 8460,
              "building": 5860
            }
          },
          {
            "tax": 110,
            "year": 2012,
            "market": {
              "land": 26000,
              "total": 84600,
              "building": 58600
            },
            "assessment": {
              "land": 2600,
              "total": 8460,
              "building": 5860
            }
          },
          {
            "tax": 86,
            "year": 2011,
            "market": {
              "land": 26000,
              "total": 82400,
              "building": 56400
            },
            "assessment": {
              "land": 2600,
              "total": 8240,
              "building": 5640
            }
          },
          {
            "tax": 937,
            "year": 2010,
            "market": {
              "land": 26000,
              "total": 82400,
              "building": 56400
            },
            "assessment": {
              "land": 2600,
              "total": 8240,
              "building": 5640
            }
          },
          {
            "tax": 891,
            "year": 2009,
            "market": {
              "land": 26000,
              "total": 82400,
              "building": 56400
            },
            "assessment": {
              "land": 2600,
              "total": 8240,
              "building": 5640
            }
          },
          {
            "tax": 79,
            "year": 2008,
            "market": null,
            "assessment": {
              "land": null,
              "total": 8240,
              "building": null
            }
          }
        ],
        "property_history": [
          {
            "date": "2026-03-26",
            "price": 245000,
            "listing": {
              "status": "for_sale",
              "list_date": "2026-03-26T01:21:13Z",
              "list_price": 245000,
              "listing_id": "2992937525",
              "last_update_date": "2026-03-25T20:22:03Z",
              "last_status_change_date": "2026-03-26T01:21:13Z"
            },
            "event_name": "Listed",
            "price_sqft": 139.6807297605473,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2549686",
            "price_change_percentage": null
          },
          {
            "date": "2026-03-21",
            "price": 0,
            "listing": {
              "status": "off_market",
              "list_date": "2025-09-19T00:26:37Z",
              "list_price": 248000,
              "listing_id": "2986533490",
              "last_update_date": "2026-01-05T13:19:11Z",
              "last_status_change_date": "2026-03-21T02:09:30Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": "183 days",
            "source_listing_id": "2522485",
            "price_change_percentage": null
          },
          {
            "date": "2026-01-05",
            "price": 248000,
            "listing": {
              "status": "off_market",
              "list_date": "2025-09-19T00:26:37Z",
              "list_price": 248000,
              "listing_id": "2986533490",
              "last_update_date": "2026-01-05T13:19:11Z",
              "last_status_change_date": "2026-03-21T02:09:30Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 141.39110604332953,
            "source_name": "NewOrleans",
            "price_change": -1000,
            "days_after_listed": null,
            "source_listing_id": "2522485",
            "price_change_percentage": null
          },
          {
            "date": "2025-10-23",
            "price": 249000,
            "listing": {
              "status": "off_market",
              "list_date": "2025-09-19T00:26:37Z",
              "list_price": 248000,
              "listing_id": "2986533490",
              "last_update_date": "2026-01-05T13:19:11Z",
              "last_status_change_date": "2026-03-21T02:09:30Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 141.9612314709236,
            "source_name": "NewOrleans",
            "price_change": -1000,
            "days_after_listed": null,
            "source_listing_id": "2522485",
            "price_change_percentage": null
          },
          {
            "date": "2025-09-19",
            "price": 250000,
            "listing": {
              "status": "off_market",
              "list_date": "2025-09-19T00:26:37Z",
              "list_price": 248000,
              "listing_id": "2986533490",
              "last_update_date": "2026-01-05T13:19:11Z",
              "last_status_change_date": "2026-03-21T02:09:30Z"
            },
            "event_name": "Listed",
            "price_sqft": 142.53135689851769,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2522485",
            "price_change_percentage": null
          },
          {
            "date": "2025-09-09",
            "price": 0,
            "listing": {
              "status": "off_market",
              "list_date": "2025-07-07T18:35:37Z",
              "list_price": 259000,
              "listing_id": "2983973196",
              "last_update_date": "2025-07-25T08:49:00Z",
              "last_status_change_date": "2025-09-09T02:06:27Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": "64 days",
            "source_listing_id": "2509780",
            "price_change_percentage": null
          },
          {
            "date": "2025-07-25",
            "price": 259000,
            "listing": {
              "status": "off_market",
              "list_date": "2025-07-07T18:35:37Z",
              "list_price": 259000,
              "listing_id": "2983973196",
              "last_update_date": "2025-07-25T08:49:00Z",
              "last_status_change_date": "2025-09-09T02:06:27Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 147.66248574686432,
            "source_name": "NewOrleans",
            "price_change": -10000,
            "days_after_listed": null,
            "source_listing_id": "2509780",
            "price_change_percentage": null
          },
          {
            "date": "2025-07-07",
            "price": 269000,
            "listing": {
              "status": "off_market",
              "list_date": "2025-07-07T18:35:37Z",
              "list_price": 259000,
              "listing_id": "2983973196",
              "last_update_date": "2025-07-25T08:49:00Z",
              "last_status_change_date": "2025-09-09T02:06:27Z"
            },
            "event_name": "Listed",
            "price_sqft": 153.36374002280502,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2509780",
            "price_change_percentage": null
          },
          {
            "date": "1990-04-01",
            "price": 0,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": null,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": false
  },
  "property_id": "7482445509",
  "generated_at": "2026-03-27T02:51:06.641321Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 10.0,
    "overall_score": 84.3
  },
  "utility_allowance": {
    "zip_code": "70094",
    "home_photo": "https://ap.rdcpix.com/41e76ac11667fdcfb52488afe0126f0al-m2727155391s-w1280.jpg",
    "rent_price": 2002.0,
    "loan_amount": 196000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/144-Yvonne-Dr_Westwego_LA_70094_M74824-45509",
    "bedroom_count": 4,
    "interest_rate": 0.07,
    "purchase_price": 245000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 20181.94,
    "mortgage_monthly": 1303.99,
    "payment_standard": 2328.0,
    "total_amount_out": 49000.0,
    "additional_photos": [
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      "https://ap.rdcpix.com/41e76ac11667fdcfb52488afe0126f0al-m2194660398s-w1280.jpg",
      "https://ap.rdcpix.com/41e76ac11667fdcfb52488afe0126f0al-m2889672401s-w1280.jpg",
      "https://ap.rdcpix.com/41e76ac11667fdcfb52488afe0126f0al-m1368784236s-w1280.jpg",
      "https://ap.rdcpix.com/41e76ac11667fdcfb52488afe0126f0al-m1363282614s-w1280.jpg",
      "https://ap.rdcpix.com/41e76ac11667fdcfb52488afe0126f0al-m1058273476s-w1280.jpg",
      "https://ap.rdcpix.com/41e76ac11667fdcfb52488afe0126f0al-m925913217s-w1280.jpg",
      "https://ap.rdcpix.com/41e76ac11667fdcfb52488afe0126f0al-m4129886731s-w1280.jpg",
      "https://ap.rdcpix.com/41e76ac11667fdcfb52488afe0126f0al-m1230957245s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 45.12,
    "monthly_cash_flow": 1681.83,
    "property_tax_rate": null,
    "_utility_allowance": {
      "sources": [],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "Selected 'natural_gas' as the property listing's utility section explicitly states 'Gas: Natural'.",
        "utility": "Heating",
        "allowance": 79
      },
      {
        "note": "Selected 'natural_gas' because the property listing specifies 'Gas: Natural' and includes a range/oven.",
        "utility": "Cooking",
        "allowance": 14
      },
      {
        "note": "Selected 'natural_gas' as it is listed as a utility for the property, making it the most logical fuel for water heating.",
        "utility": "Water Heating",
        "allowance": 27
      },
      {
        "note": "The property listing's utility section specifies 'Water Source: Public'.",
        "utility": "Water",
        "allowance": 50
      },
      {
        "note": "The property listing's utility section specifies 'Sewer: City'.",
        "utility": "Sewer",
        "allowance": 54
      },
      {
        "note": "Trash collection is a standard utility for a single-family home and is assumed to be the tenant's responsibility.",
        "utility": "Trash Collection",
        "allowance": 25
      },
      {
        "note": "This covers general electricity usage for lights, outlets, and miscellaneous appliances not covered by other specific utility categories.",
        "utility": "Other Electric",
        "allowance": 77
      }
    ],
    "cash_on_cash_return": 0.41,
    "down_payment_amount": 49000.0,
    "property_tax_annual": 898.16,
    "property_tax_monthly": 74.85,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 326.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://jphsdd.org/2025/01/17/payment-standards-update/",
        "https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
      ],
      "effective_date": "2025-01-01"
    },
    "property_tax_history_year": 2025,
    "annual_cash_flow_after_debt": 4534.03,
    "property_management_monthly": 200.2,
    "monthly_cash_flow_after_debt": 377.84,
    "cash_on_cash_return_after_debt": 0.09
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Property appears to be turnkey for Section 8 / HCV occupancy with high likelihood of passing an initial NSPIRE inspection after a brief on-site verification. Recent roof and HVAC replacements plus full interior renovations and installed appliances strongly reduce inspection risk. Outstanding verifications needed: presence and placement of smoke and CO detectors, GFCI outlets, electrical panel condition, and water heater location/condition. Addressing those quick verification items should make the unit fully inspection-ready.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 90.0,
            "rationale": "Photos and listing show full interior renovation: fresh paint, new flooring, new cabinetry, modern fixtures and trim. Kitchen appliances (range, microwave, dishwasher) are installed and in good visual condition. Bathrooms appear new. No visible cosmetic damage, stains, or deferred maintenance. Minor unknowns (closet shelving, window hardware) are typical and easy-to-fix."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 75.0,
            "rationale": "No visible exposed wiring, collapsed ceilings, active leaks, or major trip hazards. Bedrooms have windows for egress. Entry appears secure. Visible HVAC vents suggest ducting present. However smoke detectors and carbon monoxide alarms are not visible in photos (CO may be required with the gas range), GFCI receptacles in kitchen/baths are not clearly verifiable, and electrical panel location/condition is unknown. These unknowns reduce score pending a short on-site check."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (Roof, HVAC, Plumbing, Electrical)",
            "score": 85.0,
            "rationale": "Listing states a 3-year-old roof and brand-new HVAC; photos show ceiling supply/return vents. Kitchen and bathroom plumbing fixtures are installed and look new. Major systems appear recently replaced or updated, lowering risk of near-term failure. Electrical panel, water heater, and visible drainage around foundation were not shown, so a small deduction for unverified components."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 90.0,
            "rationale": "Exterior siding, front steps and porch, fenced rear yard and carport look well maintained. Driveway and walkway are intact. No visible foundation cracks, standing water, significant grading issues, or infestation evidence in photos. Property is listed as 'X Flood zone' which indicates lower flood risk; yard and fencing appear safe and secure."
          }
        ],
        "red_flags": [],
        "confidence": 0.75,
        "assumptions": [
          "Listing is accurate: roof is ~3 years old and HVAC is brand-new and operational.",
          "Stove pictured is a gas range (visual appearance) and is properly connected and safe.",
          "Smoke detectors and CO alarms are not visible in photos and therefore assumed absent/unverified until on-site check.",
          "GFCI protection in kitchen and bathrooms is unverified from photos and assumed unknown.",
          "Electrical panel, water heater, and visible drainage/grade were not shown and therefore assumed serviceable unless found otherwise during inspection.",
          "Bedrooms' windows provide adequate egress based on standard window sizes shown in photos."
        ],
        "overall_score": 85.0,
        "rubric_version": "nsPIRE-2026-v1"
      },
      {
        "summary": "Property appears largely turnkey for Housing Choice Voucher (Section 8) occupancy. Renovations are recent and comprehensive (new HVAC, 3-year roof, remodeled kitchen and baths, new flooring and paint). Visible conditions present low risk for NSPIRE failure. Key items requiring onsite confirmation prior to inspection: presence and operation of smoke detectors (and CO detectors if fuel-burning appliances present), GFCI protection in kitchen/baths, handrail at stairs, hot water and electrical panel condition. With those verifications and minor punch-list items addressed, the home is likely to pass an initial HCV inspection with minimal repairs.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Deferred Repairs",
            "score": 90.0,
            "rationale": "Photos and listing show full interior cosmetic renovation: new paint, new flooring, updated kitchen cabinets/countertops, modern fixtures, and remodeled bathrooms. Appliances shown (range, microwave, dishwasher) appear new; refrigerator not pictured but missing fridge is not an inspection-fail and would be an easy provision. No visible damaged drywall, peeling paint, or flooring failure. Minor punch-list items (outlet covers, threshold trim, or small touch-ups) are likely. Overall turnkey condition."
          },
          {
            "key": "safety_code",
            "label": "Safety & NSPIRE Code Risks",
            "score": 80.0,
            "rationale": "No visible exposed wiring, collapsed ceilings, active leaks, severe mold, or structural sagging in photos. Windows in bedrooms appear operable providing egress (multiple photos of bedroom windows). Entry door appears secure; deadbolt not clearly visible in photos. Smoke and CO detectors are not visible in photos — NSPIRE requires working smoke detectors and CO where applicable; assume present but must be confirmed. GFCI outlets in kitchen/baths are not clearly shown. Stair handrail not clearly visible in the single stair photo and should be verified. Given new finishes and recent system upgrades (3-year roof, brand-new HVAC per listing), major life-safety hazards are unlikely but several required items need onsite verification before inspection (smoke/CO, GFCI, handrail)."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical Condition",
            "score": 85.0,
            "rationale": "Listing states brand-new HVAC and 3-year-old roof; both reduce mechanical risk substantially. No visible water stains, active leaks, or ceiling damage in interior photos. Water heater and electrical panel not shown — assume functional but need confirmation. Appliances in kitchen appear new and properly installed. Overall mechanical risk is low based on seller disclosures and visible condition, but verification of hot water, electrical panel labeling, and HVAC documentation required."
          },
          {
            "key": "exterior_site",
            "label": "Exterior, Site & Grounds",
            "score": 90.0,
            "rationale": "Exterior photos show new/clean siding, intact roofline, fenced rear yard, covered carport, and level, maintained yard and sidewalks. Driveway and walk path appear serviceable. No visible foundation cracks, standing water, significant drainage issues, or infestation evidence in provided images. Listing notes 'X Flood zone' (not high-risk), but flood elevation/insurance considerations are outside NSPIRE inspection pass/fail unless flood damage is present — none visible."
          }
        ],
        "red_flags": [],
        "confidence": 0.75,
        "assumptions": [
          "Listing disclosure is accurate: roof is ~3 years old and HVAC is brand-new and operational.",
          "No visible active water intrusion or mold exists beyond what is shown in photos.",
          "Smoke detectors and CO detectors are not visible in images but are assumed to be present or will be installed prior to inspection; their presence/function must be verified.",
          "Electrical panel exists and is intact/functional though not pictured; no visible exposed wiring indicates reasonable electrical condition.",
          "Water heater is functional though not shown; hot water available is assumed but should be confirmed.",
          "Bedroom windows meet egress requirements based on visible size and placement, but exact measurements/egress compliance must be confirmed onsite.",
          "Stair handrail presence is unclear from photos; assume there is at least a minimal handrail but recommend verification and installation if missing.",
          "Refrigerator is not pictured; absence would be an easy-to-fix amenity issue, not a major inspection failure.",
          "Property is in FEMA Zone X per listing (outside high-risk flood zone); flood risk is not treated here as an inspection red flag absent visible flood damage."
        ],
        "overall_score": 86.0,
        "rubric_version": "1.0"
      },
      {
        "summary": "Overall this home appears turnkey and likely to pass an initial Housing Choice Voucher (NSPIRE) inspection with minor, routine verification items. Visible interior and exterior renovations, presence of major kitchen appliances, new HVAC (listed) and recent roof are strong positives. On-site checks should confirm smoke/CO detectors, GFCI protection, bedroom egress dimensions, electrical panel condition, and functioning hot water. If those verifications are completed and any missing detectors/GFCI are installed, the property should be rent-ready within 1–2 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 90.0,
            "rationale": "Photos and listing show comprehensive cosmetic renovation: new flooring, fresh paint, updated cabinetry, countertops, remodeled bathrooms and visible appliances (range, microwave, dishwasher). No visible damage, stains, or deferred-maintenance in images. Missing items commonly required for move-in (window coverings, minor trim touch-ups) are cosmetic only and easily corrected. Because missing appliances would only moderately reduce score and the major kitchen appliances are present, condition is estimated as very good."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 75.0,
            "rationale": "No visible active hazards in photos (no exposed wiring, no visible water stains, no collapsed ceilings, stair handrail appears present at entry). Bedrooms have windows; egress sizing cannot be confirmed from photos. Smoke and carbon monoxide detectors are not visible in the images (required). GFCI presence in kitchen/baths cannot be confirmed from photos. Entry door lock hardware visible but deadbolt not clearly shown. Overall visible safety condition looks good, but absence of visible detectors/GFCI and unconfirmed egress sizes reduce score moderately pending on-site verification."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 75.0,
            "rationale": "Listing states brand-new HVAC and a 3-year-old roof; photos show supply/return registers and intact roofline, supporting that claim. Plumbing fixtures and water fixtures in bathrooms/kitchen appear new. Electrical panel, water heater, condition of hot water, and GFCI/AFCI protection are not visible in photos and therefore unconfirmed. Given recent full renovation claims and visible new HVAC registers and appliances, systems are likely in good condition but require verification of electric panel, hot water, and plumbing operation."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 85.0,
            "rationale": "Front elevation and yard appear well-maintained: newer siding, level yard, paved driveway, new wood privacy fence and covered carport visible. No visible foundation cracking, standing water, or severe grading issues in provided exterior photo. Property is listed as in an 'X Flood zone' (per listing), which typically indicates lower flood risk; no evidence of exterior structural neglect was observed. Minor drainage and site details not visible from single exterior photo."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Renovation claims (brand-new HVAC, 3-year roof, new interior/exterior finishes) are accurate based on listing text and supporting visual cues (registers, roofline appearance).",
          "Major appliances shown in photos (range, microwave, dishwasher) are present and operational; refrigerator not pictured but absence would be a moderate, fixable issue.",
          "Smoke detectors and carbon monoxide alarms are not visible in photos — assumed not confirmed and may need installation or relocation to meet NSPIRE placement requirements.",
          "GFCI/AFCI protection and electrical panel condition are not visible and therefore unconfirmed; assumed likely acceptable given full renovation claim but should be verified on-site.",
          "Bedroom egress (window size and operability) cannot be fully confirmed from photos; assumed generally adequate but must be measured at inspection.",
          "No visible active water intrusion, mold staining, or structural sagging in photos; severe hidden issues are not apparent but cannot be fully ruled out without interior systems checks.",
          "Listing's 'X Flood zone' statement refers to a lower-risk FEMA zone and not to a 100-year floodplain; flood risk may still affect insurance but is not treated here as a structural inspection failure."
        ],
        "overall_score": 82.0,
        "rubric_version": "2026-03-hcv-nspire-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "144 Yvonne Dr, Westwego, LA, 70094",
    "aggregate": {
      "summary": "Property appears to be turnkey for Section 8 / HCV occupancy with high likelihood of passing an initial NSPIRE inspection after a brief on-site verification. Recent roof and HVAC replacements plus full interior renovations and installed appliances strongly reduce inspection risk. Outstanding verifications needed: presence and placement of smoke and CO detectors, GFCI outlets, electrical panel condition, and water heater location/condition. Addressing those quick verification items should make the unit fully inspection-ready.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 90.0,
          "rationale": "Photos and listing show full interior renovation: fresh paint, new flooring, new cabinetry, modern fixtures and trim. Kitchen appliances (range, microwave, dishwasher) are installed and in good visual condition. Bathrooms appear new. No visible cosmetic damage, stains, or deferred maintenance. Minor unknowns (closet shelving, window hardware) are typical and easy-to-fix."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 88.3,
          "rationale": "Exterior siding, front steps and porch, fenced rear yard and carport look well maintained. Driveway and walkway are intact. No visible foundation cracks, standing water, significant grading issues, or infestation evidence in photos. Property is listed as 'X Flood zone' which indicates lower flood risk; yard and fencing appear safe and secure."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Compliance Risk",
          "score": 76.7,
          "rationale": "No visible exposed wiring, collapsed ceilings, active leaks, or major trip hazards. Bedrooms have windows for egress. Entry appears secure. Visible HVAC vents suggest ducting present. However smoke detectors and carbon monoxide alarms are not visible in photos (CO may be required with the gas range), GFCI receptacles in kitchen/baths are not clearly verifiable, and electrical panel location/condition is unknown. These unknowns reduce score pending a short on-site check."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (Roof, HVAC, Plumbing, Electrical)",
          "score": 81.7,
          "rationale": "Listing states a 3-year-old roof and brand-new HVAC; photos show ceiling supply/return vents. Kitchen and bathroom plumbing fixtures are installed and look new. Major systems appear recently replaced or updated, lowering risk of near-term failure. Electrical panel, water heater, and visible drainage around foundation were not shown, so a small deduction for unverified components."
        }
      ],
      "red_flags": [],
      "confidence": 0.92,
      "assumptions": [
        "Listing is accurate: roof is ~3 years old and HVAC is brand-new and operational.",
        "Stove pictured is a gas range (visual appearance) and is properly connected and safe.",
        "Smoke detectors and CO alarms are not visible in photos and therefore assumed absent/unverified until on-site check.",
        "GFCI protection in kitchen and bathrooms is unverified from photos and assumed unknown.",
        "Electrical panel, water heater, and visible drainage/grade were not shown and therefore assumed serviceable unless found otherwise during inspection.",
        "Bedrooms' windows provide adequate egress based on standard window sizes shown in photos."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 84.3,
      "rubric_version": "nsPIRE-2026-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7482445509"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.