Property ID: 7489559299
606 Antwerp Ave, Birmingham, AL, 35212
Birmingham, AL
Money Down: $27,600
CoC Return: 5.07%
Monthly Cash Flow: $117
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Investment Snapshot
Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
5.07%
Rent
$937
Monthly Cash Flow
$117
Annual Cash Flow
$1,399
Debt Service / Mo
$612
Property Tax / Mo
$53
Insurance / Mo
$62
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$937
Payment Standard
$1,408
Rent
$937
Insurance
$62
Property Tax
$53
Management
$94
Utilities Allowance
$471
NOI (Monthly)
$729
Debt Service
$612
Cash Flow After Debt
$117
Quality Score: 72.80%
Confidence: 92.00%
This 3BR/2BA single-family home shows recent cosmetic updates and new appliances and appears generally sound for HCV/NSPIRE inspection with modest, short-term fixes. Primary issues to address before an inspector visit: replace missing switch and outlet cover plates, confirm/install GFCI receptacles in kitchen/bath, verify and install CO detectors per local code, and repair/secure front brick steps/handrail as needed. No major structural or active life‑safety failures are visible in the provided photos.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$471
Guaranteed Section 8 Rent (PS - Utilities)
$937
Property Management
$94
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,000
Beds
3
Baths
2
Living Area
1,200 sqft
Lot Size
6,534 sqft
Year Built
1930
Days on Market
11
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$53
Insurance / Mo
$62
Property Description
Welcome to 606 Antwerp Avenue! This delightful 3-bedroom, 2-bath home greets you with a covered front porch and features a dining room conveniently located off the kitchen. The kitchen is updated with a brand-new stove. Ideally situated just a few miles from downtown Birmingham, Avondale, and Ruffner Mountain, this home offers both comfort and convenience. Schedule your showing today!
Utility Allowances
heating
$38
Property has central heat and a gas stove, indicating natural gas is the fuel source. 'N'Gas: Spire' was selected as a major regional provider.
cooling
$22
Property has 'Central Air' cooling, which is electric. 'A/C: Alabama Power' is the largest provider in the area.
water_heating
$56
Property details explicitly state 'Electric Water Heater'. 'Elec: Ala Power' was selected as the corresponding provider.
cooking
$15
Property details explicitly state 'Stove-Gas'. 'N'Gas: Spire' was selected as the corresponding provider.
other_electric
$68
Standard allowance for lights, outlets, and general electricity usage. 'Lights, Ref, Etc.: Ala Power' was selected as the primary provider.
water
$78
Property is on 'Public Water' and located within Birmingham. The 'Water: Birmingham' schedule option was a direct match.
sewer
$151
Property is listed as having a 'Sewer: Connected' utility, matching the fixed rate on the schedule.
trash_collection
$29
The specific trash provider is not listed. 'Irondale ISCL' was selected as it is a plausible nearby provider and the most expensive option, per instructions.
refrigerator
$8
A refrigerator is not listed as an included appliance. This allowance is for a tenant-owned refrigerator.
range_microwave
$6
A microwave is not listed as an included appliance. This allowance is for a tenant-owned microwave.
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$597
DP3 Annual Estimate$884
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$74
Replacement Value$66,300
Basis1,200 sqft / 1930
Nearby Houses
Photo unavailable
612 Antwerp Ave
sold · 0.02 mi
Price: $155,000
3 bd / 2 ba · 1,450 sqft
Latest sale: $155,000 on Jan 04, 2022
Latest rent: $1,400 on Dec 07, 2022
Photo unavailable
560 Antwerp Ave
off_market · 0.06 mi
Price: $24,750
2 bd / 1 ba · 720 sqft
Latest sale: $24,500 on Aug 07, 2025
Latest rent: —
Photo unavailable
572 Antwerp Ct
sold · 0.06 mi
Price: $18,000
3 bd / 1 ba · 984 sqft
Latest sale: $18,000 on Mar 04, 2017
Latest rent: $1,150 on Jan 13, 2025
Photo unavailable
545 Antwerp Ct
sold · 0.08 mi
Price: $88,776
3 bd / 1 ba · 908 sqft
Latest sale: $88,776 on Jul 22, 2024
Latest rent: $750 on Sep 02, 2017
Photo unavailable
706 64th Pl S
sold · 0.10 mi
Price: $129,250
2 bd / 1 ba · 754 sqft
Latest sale: $129,250 on Feb 22, 2024
Latest rent: $1,300 on Jan 03, 2025
Risk and Criteria Detail
Red Flags
- success
- Missing switch/outlet cover plates (electrical shock/exposed conductor risk).
- Potential lack of GFCI protection in kitchen (not visible) — required for safety.
- No CO alarm visible in photos (may be required).
- Front brick steps uneven/mortar deterioration — trip hazard and possible need for handrail improvement.
- Graded items that would likely be cited on initial inspection: electrical cover plates, kitchen GFCI, CO detector, step/handrail repair.
Assumptions
- Interior photos are representative of the entire unit (bathrooms and bedrooms in similar condition).
- There is a functioning water heater and hot water even though it is not shown in photos.
- Central HVAC is operational (thermostat and floor registers suggest presence and recent use).
- Electrical service and panel are intact and meet code though not shown; no major hidden electrical hazards inferred.
- Deadbolt on the entry door exists or will be installed; the pictured security door likely has a locking mechanism.
- Window egress in bedrooms meets size requirements based on visible window types and proportions.
- No active roof leaks or significant foundation movement exist beyond what is visible in exterior photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $617 | $85,200 | $8,520 |
| 2023 | $617 | $85,200 | $8,520 |
| 2022 | $466 | $64,400 | $6,440 |
| 2018 | $351 | $58,400 | $5,840 |
| 2017 | $351 | $58,400 | $5,840 |
| 2013 | $815 | $57,600 | $5,760 |
| 2012 | $815 | $57,600 | $11,520 |
| 2010 | $819 | $57,900 | $11,580 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-05 | Listed | $115,000 |
| 2026-01-09 | Listing removed | $0 |
| 2025-09-02 | Price Changed | $115,000 |
| 2025-08-11 | Listed | $125,000 |
| 1997-09-05 | Sold | $123,000 |
Photo Gallery
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"market": {
"land": 16500,
"total": 58400,
"building": 41900
},
"assessment": {
"land": null,
"total": 5840,
"building": null
}
},
{
"tax": 815,
"year": 2013,
"market": {
"land": 16500,
"total": 57600,
"building": 41100
},
"assessment": {
"land": null,
"total": 5760,
"building": null
}
},
{
"tax": 815,
"year": 2012,
"market": {
"land": 16500,
"total": 57600,
"building": 41100
},
"assessment": {
"land": 3300,
"total": 11520,
"building": 8220
}
},
{
"tax": 819,
"year": 2010,
"market": {
"land": 16500,
"total": 57900,
"building": 41400
},
"assessment": {
"land": 3300,
"total": 11580,
"building": 8280
}
}
],
"property_history": [
{
"date": "2026-02-05",
"price": 115000,
"listing": {
"status": "for_sale",
"list_date": "2026-02-05T15:27:36Z",
"list_price": 115000,
"listing_id": "2991245956",
"last_update_date": "2026-02-16T02:19:07Z",
"last_status_change_date": "2026-02-05T15:27:36Z"
},
"event_name": "Listed",
"price_sqft": 95.83333333333333,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21442762",
"price_change_percentage": null
},
{
"date": "2026-01-09",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-08-11T15:02:09Z",
"list_price": 115000,
"listing_id": "2985220189",
"last_update_date": "2026-01-01T01:47:18Z",
"last_status_change_date": "2026-01-09T07:54:32Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "151 days",
"source_listing_id": "21427847",
"price_change_percentage": null
},
{
"date": "2025-09-02",
"price": 115000,
"listing": {
"status": "off_market",
"list_date": "2025-08-11T15:02:09Z",
"list_price": 115000,
"listing_id": "2985220189",
"last_update_date": "2026-01-01T01:47:18Z",
"last_status_change_date": "2026-01-09T07:54:32Z"
},
"event_name": "Price Changed",
"price_sqft": 95.83333333333333,
"source_name": "GreaterAlabamaMLS",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "21427847",
"price_change_percentage": null
},
{
"date": "2025-08-11",
"price": 125000,
"listing": {
"status": "off_market",
"list_date": "2025-08-11T15:02:09Z",
"list_price": 115000,
"listing_id": "2985220189",
"last_update_date": "2026-01-01T01:47:18Z",
"last_status_change_date": "2026-01-09T07:54:32Z"
},
"event_name": "Listed",
"price_sqft": 104.16666666666667,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21427847",
"price_change_percentage": "+1.63%"
},
{
"date": "1997-09-05",
"price": 123000,
"listing": null,
"event_name": "Sold",
"price_sqft": 122.02380952380952,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": [
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Building permit",
"permit_effective_date": "Sep 2, 1997",
"permit_project_type_1": "Siding",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Canceled",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "May 6, 1993",
"permit_project_type_1": "Electrical work",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "7489559299",
"generated_at": "2026-02-16T02:52:11.738409Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.8
},
"utility_allowance": {
"zip_code": "35212",
"home_photo": "https://ap.rdcpix.com/4a11530c02d54734ac11573d8f327bdfl-m3143068583s-w1280.jpg",
"rent_price": 937.0,
"loan_amount": 92000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/606-Antwerp-Ave_Birmingham_AL_35212_M74895-59299",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 115000.0,
"loan_term_years": 30,
"annual_cash_flow": 8743.59,
"mortgage_monthly": 612.08,
"payment_standard": 1408.0,
"total_amount_out": 23000.0,
"additional_photos": [
"https://ap.rdcpix.com/4a11530c02d54734ac11573d8f327bdfl-m1048113480s-w1280.jpg",
"https://ap.rdcpix.com/4a11530c02d54734ac11573d8f327bdfl-m325282984s-w1280.jpg",
"https://ap.rdcpix.com/4a11530c02d54734ac11573d8f327bdfl-m3203035003s-w1280.jpg",
"https://ap.rdcpix.com/4a11530c02d54734ac11573d8f327bdfl-m889052843s-w1280.jpg",
"https://ap.rdcpix.com/4a11530c02d54734ac11573d8f327bdfl-m4166615721s-w1280.jpg",
"https://ap.rdcpix.com/4a11530c02d54734ac11573d8f327bdfl-m2639403153s-w1280.jpg",
"https://ap.rdcpix.com/4a11530c02d54734ac11573d8f327bdfl-m1117381035s-w1280.jpg",
"https://ap.rdcpix.com/4a11530c02d54734ac11573d8f327bdfl-m1016522991s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 61.71,
"monthly_cash_flow": 728.63,
"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 heat and a gas stove, indicating natural gas is the fuel source. 'N'Gas: Spire' was selected as a major regional provider.",
"utility": "heating",
"allowance": 38
},
{
"note": "Property has 'Central Air' cooling, which is electric. 'A/C: Alabama Power' is the largest provider in the area.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property details explicitly state 'Electric Water Heater'. 'Elec: Ala Power' was selected as the corresponding provider.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "Property details explicitly state 'Stove-Gas'. 'N'Gas: Spire' was selected as the corresponding provider.",
"utility": "cooking",
"allowance": 15
},
{
"note": "Standard allowance for lights, outlets, and general electricity usage. 'Lights, Ref, Etc.: Ala Power' was selected as the primary provider.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property is on 'Public Water' and located within Birmingham. The 'Water: Birmingham' schedule option was a direct match.",
"utility": "water",
"allowance": 78
},
{
"note": "Property is listed as having a 'Sewer: Connected' utility, matching the fixed rate on the schedule.",
"utility": "sewer",
"allowance": 151
},
{
"note": "The specific trash provider is not listed. 'Irondale ISCL' was selected as it is a plausible nearby provider and the most expensive option, per instructions.",
"utility": "trash_collection",
"allowance": 29
},
{
"note": "A refrigerator is not listed as an included appliance. This allowance is for a tenant-owned refrigerator.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as an included appliance. This allowance is for a tenant-owned microwave.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.38,
"down_payment_amount": 23000.0,
"property_tax_annual": 635.51,
"property_tax_monthly": 52.96,
"property_tax_increase": 0.03,
"utility_allowance_total": 471.0,
"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": 1398.65,
"property_management_monthly": 93.7,
"monthly_cash_flow_after_debt": 116.55,
"cash_on_cash_return_after_debt": 0.06
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/2BA single-family home shows recent cosmetic updates and new appliances and appears generally sound for HCV/NSPIRE inspection with modest, short-term fixes. Primary issues to address before an inspector visit: replace missing switch and outlet cover plates, confirm/install GFCI receptacles in kitchen/bath, verify and install CO detectors per local code, and repair/secure front brick steps/handrail as needed. No major structural or active life‑safety failures are visible in the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior appears recently refreshed: new vinyl plank flooring, fresh paint, fixtures in place and a brand-new stove. Cabinets and counters appear serviceable. Visible minor deferred maintenance only: a few missing switch/outlet cover plates, small scuffs, and mortar gaps/uneven bricks on the front steps. Missing plates and minor masonry/cosmetic work are easy fixes and do not indicate major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "Positive: at least one smoke detector visible, windows look operable for egress, no visible exposed wiring, entry has a security/storm door and porch guardrail. Concerns: missing switch/plate covers (electrical shock risk), no CO detector visible in photos, kitchen GFCI receptacle not visible (required near sinks), front brick steps show uneven/loose bricks that create a trip/handrail question (handrail presence is borderline). These are correctable but would likely cause an initial inspection note if not addressed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 75.0,
"rationale": "Visible evidence of functioning systems: thermostat on wall and floor vents indicate central HVAC present; kitchen plumbing and sink appear intact; new range and refrigerator are present. Roof visible from front appears intact with no sagging or visible active leaks. Not observed: water heater, electrical panel, and verification of hot water or HVAC operation. No visible life-threatening mechanical failures, but missing confirmation of GFCI and panel access are unknowns."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Exterior siding and brick façade appear intact; yard and driveway are serviceable. The covered front porch is functional and has a ceiling light, but front brick steps show uneven bricks and potential mortar deterioration which is a trip hazard and may need tuckpointing or repair. Vegetation trimmed; no visible standing water or major foundation cracks in photos. Overall minor site repairs recommended."
}
],
"red_flags": [
"Missing switch/outlet cover plates (electrical shock/exposed conductor risk).",
"Potential lack of GFCI protection in kitchen (not visible) — required for safety.",
"No CO alarm visible in photos (may be required).",
"Front brick steps uneven/mortar deterioration — trip hazard and possible need for handrail improvement.",
"Graded items that would likely be cited on initial inspection: electrical cover plates, kitchen GFCI, CO detector, step/handrail repair."
],
"confidence": 0.6,
"assumptions": [
"Interior photos are representative of the entire unit (bathrooms and bedrooms in similar condition).",
"There is a functioning water heater and hot water even though it is not shown in photos.",
"Central HVAC is operational (thermostat and floor registers suggest presence and recent use).",
"Electrical service and panel are intact and meet code though not shown; no major hidden electrical hazards inferred.",
"Deadbolt on the entry door exists or will be installed; the pictured security door likely has a locking mechanism.",
"Window egress in bedrooms meets size requirements based on visible window types and proportions.",
"No active roof leaks or significant foundation movement exist beyond what is visible in exterior photos."
],
"overall_score": 75.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed/2-bath 1930 single-family appears cosmetically updated and largely ready for rental, with new appliances and finished flooring. The property is likely to pass a Housing Choice Voucher/NSPIRE inspection after addressing a short list of safety and minor repair items: install missing outlet/switch cover plates, confirm and install required smoke/CO detectors (especially in/near sleeping areas), repair/secure the front brick steps and adjust the kitchen/dining threshold to remove trip hazards. Major systems (HVAC, plumbing, electrical panel, water heater) were not fully pictured but visible evidence (thermostat, registers, kitchen appliances) suggests function; verify these systems prior to leasing. With the fixes noted, the property should be rent-ready within 2–4 weeks for an initial HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently renovated: new-looking LVP flooring, fresh paint, cabinets and counters in good condition, and a brand-new stove noted in listing and visible in photos. Refrigerator visible. Cosmetic condition is good overall. Visible minor items: several switch/outlet covers appear missing in the dining area (cosmetic + safety), and the front brick steps and porch have uneven/mortar loss that should be repaired. Threshold/step at kitchen/dining transition shows multiple levels that may require improved trim or riser finishing to reduce trip risk. These are relatively easy/medium-effort repairs (cosmetic and carpentry/masonry) rather than major structural work."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "Observable safety positives: solid-looking entry door with security screen/door, porch railings present, floor registers and a thermostat indicate functioning HVAC/heat distribution. Concerns: missing outlet/switch cover plates in dining area create an electrical exposure and count as an inspection-fail type safety hazard until corrected. I see one ceiling-mounted smoke/CO style device in a common area (near kitchen/hall), but no visible smoke detectors inside bedrooms in the photos — NSPIRE requires functional smoke detectors in hallways and sleeping areas and CO detectors where required. Front brick steps are uneven and present a trip/stair safety issue. GFCI presence in kitchen/bath not confirmed from photos. No active leaks, visible mold, sagging ceilings, exposed wiring or major foundation/roof failure were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Visible evidence of mechanical systems: thermostat and floor registers indicate a central HVAC system; new stove and refrigerator visible in kitchen. Range hood present. No visible signs of roof sagging from front elevation; siding and roofline appear intact. Items not visible: water heater, electrical panel, plumbing supply/piping, hot water operation and age/condition of HVAC equipment. Given the updated interior finish and visible thermostat/vents, major systems are likely present and operational but unverified; absence of evidence of major failure gives a moderate-high rating, while lack of direct photos of panel/water heater reduces score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior shows a maintained yard, intact siding and brick, covered front porch with metal columns/rail, and a paved driveway. However, the front brick steps show wear, uneven bricks and mortar loss creating a trip hazard; the concrete walkway has an obvious joint/crack and the porch step area lacks a continuous handrail down the stair run (handrails are present on porch). No visible standing water, major foundation cracks, roof collapse, or infestation signs from the provided photos. Overall the envelope appears serviceable with targeted repairs to steps/walkway recommended."
}
],
"red_flags": [
"Exposed electrical (missing switch/outlet cover plates) in dining area — immediate electrical hazard requiring correction.",
"Uneven/crumbling front brick steps and insufficient continuous handrail on stair run — trip/stair safety hazard.",
"No visible smoke detectors inside bedrooms (only one detector visible in common area) — potential NSPIRE fail if not present and operational.",
"Trip hazard at kitchen/dining threshold (multiple level changes) — may be cited by inspector if not mitigated."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (thermostat and floor registers visible), but unit age and function are not verified from photos.",
"Water heater and electrical service/panel exist and are functional though not pictured; no evidence of leaks or damage visible.",
"Bedrooms have egress windows meeting code; photos show double-hung windows that appear operable but bedroom-specific egress not photographed.",
"Only one ceiling detector is visible; assume additional smoke/CO detectors are not installed in all required sleeping areas.",
"No active roof leaks were observed from exterior photos; roof condition beyond visible ridge is assumed serviceable.",
"No evidence of severe pest infestation, asbestos, or hidden mold was visible; interior finish appears recently updated and intact.",
"Lead-based paint risk may exist due to 1930 construction, but painted surfaces appear intact and were likely repainted during updates."
],
"overall_score": 73.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "This 3BR/2BA single-family appears largely cosmetically updated and would likely pass a HCV/NSPIRE inspection after addressing a short list of safety items. The most critical issues are missing electrical cover plates (open electrical boxes), the uneven/deteriorated front brick steps and lack of a handrail, and absence/visibility of a CO alarm and kitchen GFCI protection. These are generally quick, inexpensive fixes (electrical covers, CO alarm, GFCI, repair or replace/repave front steps and add handrail). If those items are completed prior to inspection and major systems (HVAC, water heater, main panel) are functional, the property is likely rent‑ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior appears recently refreshed (new-looking LVP flooring, painted walls, painted fireplace) and the listing notes a brand-new stove. Cabinetry and counters look intact. Visible cosmetic wear is minimal. Exterior brick steps show wear and some uneven bricks that will need repointing or replacement. Minor items observed: a few missing electrical outlet/switch covers (cosmetic but also safety-related) and a threshold/step condition at the kitchen entry. Missing appliances are not an issue here (fridge and new stove visible). Overall mostly cosmetic/finish repairs with some small capital work on steps."
},
{
"key": "safety_code",
"label": "Safety / Code Risks",
"score": 65.0,
"rationale": "Positive: living areas show ceiling lights and at least one ceiling-mounted smoke alarm is visible. Entry door has a security/storm door with lock. No obvious mold, ceiling stains, active water intrusion, or major structural cracks visible in photos. Negative: several electrical switch/outlet cover plates are missing (open electrical boxes) which is an immediate NSPIRE fail until corrected. Front steps lack a dedicated handrail and the brick risers are uneven creating a trip/handrail deficiency. A CO alarm is not visible (the presence of a gas range suggests CO detector is required by many local policies); GFCI outlets in the kitchen/bath are not visible and should be confirmed/installed. These safety/code items are fixable but would likely cause an initial inspection failure if not corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 72.0,
"rationale": "Forced-air registers visible in living/dining suggest central HVAC is present. Range and refrigerator are present and stove is new. No visible ceiling stains or water damage indicating active roof leaks. Electrical service drop and meter connection appear typical from exterior photos (panel not shown). Water heater and main electrical panel were not photographed; plumbing fixtures and hot water operation cannot be confirmed but there are no visual signs of leaks. Given the overall fresh interior and visible vents, major systems appear likely functional but remain partly unverified from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior siding, porch soffit and brick veneer look generally intact and in fair condition. Yard and walkways are maintained though the concrete path has small uneven areas and the brick front steps are deteriorated/uneven which is a trip hazard. Porch guardrail exists but there is no handrail on the steps up to the porch. No obvious signs of foundation failure, major roof deterioration or standing water visible in provided photos."
}
],
"red_flags": [
"Missing electrical outlet/switch cover plates (open electrical boxes) — electrical/safety hazard.",
"Uneven, deteriorating brick front steps creating a trip hazard and likely requiring repair or replacement.",
"Missing/insufficient handrail on front steps — potential NSPIRE deficiency for stair safety.",
"No visible carbon monoxide detector in photos while a gas range is present — CO alarm likely required.",
"No visible GFCI-protected outlets in kitchen photos — likely required and may cause inspection failure if absent."
],
"confidence": 0.72,
"assumptions": [
"Interior photos represent the entire primary living area; bathrooms and bedrooms not shown are in similar cosmetic condition and not severely distressed.",
"Central HVAC is present and operational (inferred from floor/ceiling vents visible in rooms).",
"Water heater and main electrical panel are present and functional though not photographed.",
"New stove and refrigerator shown in photos are installed and will be operational at move-in.",
"Smoke detector visible in photos is one of the required alarms; additional detectors near bedrooms/levels may not be installed (not shown).",
"No active roof leaks, major foundation movement, or hidden severe mold based on lack of staining or visible damage in photos; severe hidden conditions not apparent.",
"Kitchen outlets near sink do not show GFCI protection in photos and should be verified/installed."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "606 Antwerp Ave, Birmingham, AL, 35212",
"aggregate": {
"summary": "This 3BR/2BA single-family home shows recent cosmetic updates and new appliances and appears generally sound for HCV/NSPIRE inspection with modest, short-term fixes. Primary issues to address before an inspector visit: replace missing switch and outlet cover plates, confirm/install GFCI receptacles in kitchen/bath, verify and install CO detectors per local code, and repair/secure front brick steps/handrail as needed. No major structural or active life‑safety failures are visible in the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.3,
"rationale": "Interior appears recently refreshed: new vinyl plank flooring, fresh paint, fixtures in place and a brand-new stove. Cabinets and counters appear serviceable. Visible minor deferred maintenance only: a few missing switch/outlet cover plates, small scuffs, and mortar gaps/uneven bricks on the front steps. Missing plates and minor masonry/cosmetic work are easy fixes and do not indicate major rehab."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 71.7,
"rationale": "Exterior siding and brick façade appear intact; yard and driveway are serviceable. The covered front porch is functional and has a ceiling light, but front brick steps show uneven bricks and potential mortar deterioration which is a trip hazard and may need tuckpointing or repair. Vegetation trimmed; no visible standing water or major foundation cracks in photos. Overall minor site repairs recommended."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 66.7,
"rationale": "Positive: at least one smoke detector visible, windows look operable for egress, no visible exposed wiring, entry has a security/storm door and porch guardrail. Concerns: missing switch/plate covers (electrical shock risk), no CO detector visible in photos, kitchen GFCI receptacle not visible (required near sinks), front brick steps show uneven/loose bricks that create a trip/handrail question (handrail presence is borderline). These are correctable but would likely cause an initial inspection note if not addressed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 72.3,
"rationale": "Visible evidence of functioning systems: thermostat on wall and floor vents indicate central HVAC present; kitchen plumbing and sink appear intact; new range and refrigerator are present. Roof visible from front appears intact with no sagging or visible active leaks. Not observed: water heater, electrical panel, and verification of hot water or HVAC operation. No visible life-threatening mechanical failures, but missing confirmation of GFCI and panel access are unknowns."
}
],
"red_flags": [
"Missing switch/outlet cover plates (electrical shock/exposed conductor risk).",
"Potential lack of GFCI protection in kitchen (not visible) — required for safety.",
"No CO alarm visible in photos (may be required).",
"Front brick steps uneven/mortar deterioration — trip hazard and possible need for handrail improvement.",
"Graded items that would likely be cited on initial inspection: electrical cover plates, kitchen GFCI, CO detector, step/handrail repair."
],
"confidence": 0.92,
"assumptions": [
"Interior photos are representative of the entire unit (bathrooms and bedrooms in similar condition).",
"There is a functioning water heater and hot water even though it is not shown in photos.",
"Central HVAC is operational (thermostat and floor registers suggest presence and recent use).",
"Electrical service and panel are intact and meet code though not shown; no major hidden electrical hazards inferred.",
"Deadbolt on the entry door exists or will be installed; the pictured security door likely has a locking mechanism.",
"Window egress in bedrooms meets size requirements based on visible window types and proportions.",
"No active roof leaks or significant foundation movement exist beyond what is visible in exterior photos."
],
"score_method": "mean_of_criteria",
"overall_score": 72.8,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7489559299"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.