Property ID: 7493747606
5223 Loop Rd, Birmingham, AL, 35224
Birmingham, AL
Money Down: $16,800
CoC Return: 30.92%
Monthly Cash Flow: $433
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$14,000
Closing Costs
$2,800
Total Down
$16,800
Investment Snapshot
Purchase Price
$70,000
Money Down
$16,800
Cash-on-Cash Return
30.92%
Rent
$1,073
Monthly Cash Flow
$433
Annual Cash Flow
$5,195
Debt Service / Mo
$373
Property Tax / Mo
$97
Insurance / Mo
$63
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,073
Payment Standard
$1,518
Rent
$1,073
Insurance
$63
Property Tax
$97
Management
$107
Utilities Allowance
$445
NOI (Monthly)
$805
Debt Service
$373
Cash Flow After Debt
$433
Quality Score: 70.00%
Confidence: 92.00%
Overall the property appears largely cosmetically renovated and likely to pass an initial Section 8/HCV inspection after completing a short list of verification items and minor repairs. Main strengths: fresh paint, intact windows, finished floors, functional-looking kitchen and plumbing fixtures, smoke alarm present, secure entry. Key inspection risks are limited documentation of mechanical systems (HVAC, water heater, electrical panel), missing kitchen appliances (stove/fridge), potential lack of CO detector and unclear GFCI protection, and non-compliant porch/step handrail details. With verification of system operation and a few minor fixes (install stove/fridge or confirm provision, install CO detector, install/verify GFCI near wet areas, confirm HVAC & water heater operation, adjust/secure porch handrail if required), the house should be rent-ready within ~2–4 weeks.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$445
Guaranteed Section 8 Rent (PS - Utilities)
$1,073
Property Management
$107
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$70,000
Beds
3
Baths
1
Living Area
1,392 sqft
Lot Size
20,038 sqft
Year Built
1939
Days on Market
173
Capital Outlay
$16,800
Debt Service
$373
Property Tax / Mo
$97
Insurance / Mo
$63
Property Description
Charming 3-bedroom, 1-bath home with plenty of potential! The property features a welcoming front porch, a nice sized yard, and would be perfect for relaxing evenings or weekend gatherings. With a little vision and your personal touch, this home could shine as a great first starter home or an opportunity for an investment property! Seller is motivated and could be open to closing cost assistance or appliance concessions! However, no seller financing offers please.
Utility Allowances
Heating
$49
Property has gas heating (Forced Air, Gas Fireplace). The schedule specifies 'Mulga' for the Wylam area, which matches the property's neighborhood.
Cooking
$20
Gas is available for heating and water heating. The Wylam neighborhood is served by 'Mulga' according to the utility schedule.
Water Heating
$45
Property data explicitly lists a 'Gas Water Heater'. The 'Mulga' service area in the schedule covers the property's neighborhood.
Cooling
$0
Property information explicitly states 'No Air' and 'hasCooling: false'.
Other Electric
$68
Basic electric service for lighting and outlets is required. Alabama Power is the primary provider for Birmingham.
Refrigerator
$8
A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
Range/Microwave
$6
A microwave is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
Water
$78
Property is located in Birmingham and uses public water, matching the 'Water: Birmingham' schedule option.
Sewer
$151
Property data confirms it is 'Sewer Connected'.
Trash Collection
$20
Trash collection is standard for a single-family home. 'Jefferson City' is selected as the best fit for a property in Jefferson County not covered by other specific municipalities on the list.
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$615
DP3 Annual Estimate$907
DP1 Monthly Equivalent$51
DP3 Monthly Equivalent$76
Replacement Value$70,200
Basis1,392 sqft / 1939
Nearby Houses
Photo unavailable
5401 Loop Rd
sold · 0.03 mi
Price: $3,500
3 bd / 1 ba · 1,028 sqft
Latest sale: $3,500 on Feb 05, 2020
Latest rent: —
Photo unavailable
5213 Loop Rd
off_market · 0.07 mi
Price: $89,500
3 bd / 1 ba · 1,400 sqft
Latest sale: $82,500 on Oct 02, 2023
Latest rent: $750 on Oct 22, 2018
Photo unavailable
5213 Loop Rd
sold · 0.07 mi
Price: $82,500
3 bd / 1 ba · 1,400 sqft
Latest sale: $82,500 on Oct 02, 2023
Latest rent: $750 on Oct 22, 2018
Photo unavailable
5211 Loop Rd
for_sale · 0.08 mi
Price: $75,000
3 bd / 1 ba · 1,218 sqft
Latest sale: $5,400 on Oct 01, 1993
Latest rent: $1,000 on Dec 13, 2024
Photo unavailable
5428 6th Ave
off_market · 0.10 mi
Price: $50,000
2 bd / 1 ba · 738 sqft
Latest sale: $12,600 on Nov 03, 2020
Latest rent: —
Photo unavailable
5411 6th Ave
for_sale · 0.15 mi
Price: $9,900
— bd / — ba
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible CO detector in photos — CO alarm required if fuel-burning appliances/heating present.
- GFCI protection near kitchen sink not identifiable in photos — likely needs verification/installation.
- Porch/steps railing/guardrail may not meet code/NSPIRE requirements (handrail continuity/height) and needs correction.
- Ceiling patching visible in multiple rooms — prior water intrusion; required verification to ensure no active leak or hidden damage.
- Major systems (HVAC, water heater, electrical panel) not photographed — inspector will need to verify presence and safe operation before final pass.
Assumptions
- Central HVAC is present and operational (inferred from floor vents visible in photos) but unit/equipment age and operation have not been documented.
- Water heater and electrical panel are present but not photographed; their functional status is unknown.
- Missing major appliances (stove and refrigerator) are real — photos show empty appliance bays and listing hints at appliance concessions; these are treated as moderate, not catastrophic, inspection issues.
- Ceiling patching photos indicate a prior leak; no evidence of active leak or structural ceiling failure was observed in photos.
- Smoke alarm visible in at least one photo serves as a functioning device; placement of smoke alarms in other required locations (e.g., each sleeping area) is assumed not fully verified.
- No evidence of significant mold, active roof failure, foundation movement, or collapsed ceilings was visible in provided photos; these conditions are assumed absent unless discovered on-site.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,128 | $77,800 | $15,560 |
| 2023 | $1,128 | $77,800 | $15,560 |
| 2022 | $796 | $54,900 | $10,980 |
| 2021 | $796 | $54,900 | $10,980 |
| 2020 | $796 | $54,900 | $10,980 |
| 2019 | $796 | $54,900 | $10,980 |
| 2018 | $682 | $47,100 | $9,420 |
| 2017 | $682 | $47,100 | $9,420 |
| 2016 | $682 | $47,100 | $9,420 |
| 2015 | $682 | $47,100 | $9,420 |
| 2013 | $658 | $46,300 | $9,260 |
| 2012 | $605 | $42,460 | $8,492 |
| 2011 | $615 | $43,200 | $8,640 |
| 2010 | $729 | $51,400 | $10,280 |
| 2009 | $729 | $51,400 | $10,280 |
| 2008 | $747 | $52,700 | $10,540 |
| 2007 | $740 | $52,200 | $10,440 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-03-24 | Sold | $76,500 |
| 2023-03-06 | Sold | $53,500 |
| 2022-11-15 | Sold | $43,521 |
| 2006-06-15 | Sold | $51,600 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-05-12 | Listed for rent | $1,200 | — |
Photo Gallery
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"parent_category": "Interior"
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"Cooling Features: No Air",
"Fireplace Features: Tile (FIREPL), Gas (FIREPL), Living Room (FIREPL)",
"Heating Features: Forced Air",
"Heating: Yes",
"Number of Fireplaces: 1",
"Water Heaters: Gas (WTRHTR)"
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"category": "Heating and Cooling",
"parent_category": "Interior"
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"category": "Interior Features",
"parent_category": "Interior"
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"category": "Exterior and Lot Features",
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"Lot Size Square Feet: 20038"
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"parent_category": "Exterior"
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"category": "Garage and Parking",
"parent_category": "Exterior"
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{
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"High School: JACKSON-OLIN",
"Middle School: BUSH HILLS ACADEMY"
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"category": "School Information",
"parent_category": "Community"
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{
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"Source Listing Status: Active",
"County: Jefferson",
"Directions: From Downtown Birmingham take 120-59 towards Tuscaloosa. Take Exit 119, turn Right. Turn left on 36th St. Right on Erie St. Left on 7th Ave. Keep left onto Loop Rd. home is on the left.",
"Source Property Type: RESIDENTIAL",
"Area: Mulga, Wylam",
"Source Neighborhood: WYLAM",
"Parcel Number: 30-00-02-2-004-007.000",
"Subdivision: WYLAM",
"Property Subtype: Single Family"
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"Total Square Feet Living: 1392",
"Year Built: 1939",
"Construction Materials: Siding-Wood",
"Foundation Details: Basement",
"Levels: 1-Story",
"Living Area Source: Per Tax Report",
"Property Age: 87",
"Levels or Stories: 1-Story",
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"description": "Incredible investment opportunity! Lot of 6 single family homes for sale. All currently leased, many long term tenants. Section 8 qualified! Recent Section 8 inspection completed. Rent roll provided upon request. This is an amazing opportunity to grow your real estate portfolio!!! Buyers agent to verify all items of importance including , but not limited to, taxes, fees and school information. See included documents for complete portfolio parcel ID info. Seller asking $510,000 for 6 home portfolio. Showing can be arranged upon accepted offer. Please contact Conner Milam Rohm at 205.447.0773 or Allison Milam Cheka at 205.862.0773 for all information about this listing as well as to present offers. Thank you!",
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{
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{
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{
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{
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{
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{
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{
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{
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{
"note": "Trash collection is standard for a single-family home. 'Jefferson City' is selected as the best fit for a property in Jefferson County not covered by other specific municipalities on the list.",
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},
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"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "Smoke alarm visible in interior photo. Entry door appears to have a keypad/lock (secure entry). Windows for bedrooms appear adequate for egress. No exposed wiring or visible broken outlets; outlet covers present. Kitchen shows no obvious active water intrusion; ceiling patch suggests a prior leak that needs verification. No CO detector is visible in photos and GFCI-type outlets near kitchen sink aren't clearly shown. Porch steps/guardrail arrangement may not meet local guard/handrail height/continuity requirements. These are fixable but represent moderate inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Roof shingles visible from front look serviceable with no clear major failure. Interior floor registers indicate central HVAC ducting and vents present, but no HVAC unit or age/operation proof is shown. Water heater and electrical panel are not photographed. Kitchen has a range hood and dishwasher appears present. Because critical systems (HVAC, water heater, electrical panel) are not documented in photos, score is conservative despite no visible active failures."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Exterior siding appears intact and recently installed or painted; brick foundation looks stable with crawlspace vents present. Yard is overgrown in places and walkway shows cracking/settling but no standing water visible. Vegetation is close to foundation and should be cleared to reduce moisture/pest risk. Front porch rail and step configuration is marginal for code/handrail continuity but structurally appears serviceable."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (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 CO detector in photos — CO alarm required if fuel-burning appliances/heating present.",
"GFCI protection near kitchen sink not identifiable in photos — likely needs verification/installation.",
"Porch/steps railing/guardrail may not meet code/NSPIRE requirements (handrail continuity/height) and needs correction.",
"Ceiling patching visible in multiple rooms — prior water intrusion; required verification to ensure no active leak or hidden damage.",
"Major systems (HVAC, water heater, electrical panel) not photographed — inspector will need to verify presence and safe operation before final pass."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (inferred from floor vents visible in photos) but unit/equipment age and operation have not been documented.",
"Water heater and electrical panel are present but not photographed; their functional status is unknown.",
"Missing major appliances (stove and refrigerator) are real — photos show empty appliance bays and listing hints at appliance concessions; these are treated as moderate, not catastrophic, inspection issues.",
"Ceiling patching photos indicate a prior leak; no evidence of active leak or structural ceiling failure was observed in photos.",
"Smoke alarm visible in at least one photo serves as a functioning device; placement of smoke alarms in other required locations (e.g., each sleeping area) is assumed not fully verified.",
"No evidence of significant mold, active roof failure, foundation movement, or collapsed ceilings was visible in provided photos; these conditions are assumed absent unless discovered on-site."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA cottage appears largely renovated cosmetically and would likely pass an initial HCV/NSPIRE inspection after addressing a handful of minor safety and code items. Primary concerns are porch guardrail/handrail compliance, verification/installation of functioning smoke/CO detectors and GFCIs, confirming HVAC and water heater operation, and repairing a few ceiling patches from prior water intrusion. Expect minor repairs and possible appliance installation; likely rent-ready within ~30 days with targeted fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted with new vinyl plank flooring but shows scuffs, dirt, and some surface damage on floors and ceiling (visible patched/stained popcorn ceiling). Kitchen cabinets and countertops are serviceable but stove/oven and fridge are not present in photos (listing notes appliance concessions). Cosmetic and finish repairs plus appliance installation expected — no large-scale demo visible. These are largely easy-to-fix or capital items."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible (no exposed wiring, no collapsed ceilings). Vents and thermostat visible (suggests central HVAC). Smoke/CO detectors are not clearly visible except one round device near a doorway that may be a detector — location/operation unknown. Front porch guardrail appears low/horizontal and stair handrail is missing which may fail NSPIRE guard/handrail requirements; there is a visible ceiling stain (possible past leak) that needs verification. GFCI presence in kitchen/bath not visible. Overall some code items likely required but repairable."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 65.0,
"rationale": "Roof and exterior siding look intact with no visible sagging. Floor vents and a thermostat in a hallway indicate existing central heating/AC but operation not verified in photos. No water heater, electrical panel, or furnace locations shown. Kitchen plumbing fixtures present; dishwasher-like unit appears present but stove absent. Ceiling staining suggests prior water intrusion — recommend verify roof, attic, water heater and hot water, and electrical panel. Systems present but unverified; moderate risk until tested."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior vinyl siding and brick pier/foundation look generally intact. Roof shingles appear in reasonable condition from photos. Front porch structure is intact but railing design/height and lack of stair handrail likely need repair to meet safety code. Walkway is cracked and yard slightly overgrown but no standing water or severe erosion visible. Small vegetation growth near foundation should be cleared. Overall exterior shows typical minor deferred maintenance."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Front porch lacks compliant handrail/guardrail (horizontal rails and missing stair handrail) — likely fail on guard/handrail requirements.",
"Visible ceiling staining/patching indicating prior water intrusion — needs verification to rule out active leaks."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC exists (floor vents and thermostat visible) and is operational, but system function was not verified in photos.",
"No active roof leaks are present now; ceiling stains indicate prior leak that appears to have been patched but should be inspected.",
"Electrical service/panel is intact and up to code; no exposed wiring seen in photos but panel location was not shown.",
"Smoke and carbon monoxide detectors are either missing or not clearly visible in photos; at least smoke detection will be required in all sleeping areas / hallways per NSPIRE.",
"Kitchen stove/oven and refrigerator are not present in photos; seller noted appliance concessions — appliances will need to be installed prior to move-in.",
"Plumbing fixtures (kitchen sink, bathroom fixtures) appear present and functional visually but hot water and drain operation were not confirmed.",
"Porch guardrail and stairs may not meet current guardrail/handrail height and spacing requirements and will likely require repair or replacement."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/1BA single-family appears in mostly good cosmetic condition and would likely pass an initial HCV/NSPIRE inspection after addressing a few quick items. Primary needs before inspection: verify and/or install carbon monoxide alarm (fireplace present), confirm GFCI protection in kitchen/bath, verify functioning HVAC and hot water, finish/repair ceiling patches, and supply or concession for stove and refrigerator if required by voucher program/local PHA. No major structural failures or active hazards are visible in photos; with 1–3 trades (electrician for GFCI/CO, plumber/HVAC check, and minor carpentry/paint) this property should be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted with new vinyl plank flooring; cosmetic wear/dirt and scuffs visible on floors. Ceiling has several patched/rough areas that need finishing. Kitchen cabinets intact but there is no visible stove or refrigerator (listing indicates seller may concede appliances). Fireplace face is aged but intact. Overall cosmetic/finish issues only — no large collapsed or missing surfaces visible. Missing appliances reduce score moderately but are not an automatic fail."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious electrical hazards or exposed wiring in photos; outlets and floor registers visible. A smoke alarm is visible in one hallway photo but CO alarm is not visible — CO alarm likely required due to fireplace (fuel-burning appliance). GFCI outlets around sink are not visible in photos (kitchen outlet near sink uncertain). Bedrooms have windows that appear to provide egress. Front entry has a secure door and keypad lock. Porch railing exists but stairs have a single side rail and vegetation near steps — not an immediate life-safety fail but may require minor work. Ceiling patching suggests past water intrusion; no active leak seen in photos. Overall some code items (CO alarm, confirm GFCI, smoke placement) likely need verification/installation before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "No mechanical equipment (furnace/HW tank/AC condensing unit) is shown, but floor vents indicate central HVAC likely present. Roof shingles look intact from front photos and chimney present with cap; no visible active roof failure. Plumbing fixtures (double kitchen sink) present; water supply/drainage not tested in photos. Electrical panel and water heater not pictured. Because major systems are not verifiable from images there is moderate risk — expect to confirm functioning HVAC, hot water, and electrical panel prior to or at inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.0,
"rationale": "Exterior siding and brick foundation appear intact; foundation vents visible. Roof appears serviceable from provided angles. Front porch structure and railing are present and overall straight; some vegetation at stairs and a slightly worn concrete walkway. Tree canopy close to roof may require routine trimming. No visible standing water, major foundation cracks, or collapsed exterior elements in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Occupancy Activity (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 patching visible in multiple rooms — evidence of prior water intrusion that requires verification to rule out active leaks.",
"No carbon monoxide alarm visible (fireplace present) — CO detector is typically required and is a common inspection failure if missing.",
"Major mechanical items (furnace/HW tank/electrical panel) not shown — inability to verify operation represents inspection risk until confirmed."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is connected (floor registers visible) but system functionality has not been confirmed from photos.",
"Hot water heater and electrical service are present though not shown; assumed intact unless inspection finds otherwise.",
"Smoke alarm shown in hallway is functional; additional detectors (per PHA/NSPIRE) may still be required in/near sleeping areas.",
"No active roof leak is present — ceiling patches are assumed to be past repairs rather than current active leaks.",
"Kitchen currently lacks a stove and refrigerator (photos + listing note); seller may provide concessions or appliances per listing.",
"GFCI protection for kitchen counter outlets and CO alarm are not visible in photos and should be verified/installed as needed."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-v1-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5223 Loop Rd, Birmingham, AL, 35224",
"aggregate": {
"summary": "Overall the property appears largely cosmetically renovated and likely to pass an initial Section 8/HCV inspection after completing a short list of verification items and minor repairs. Main strengths: fresh paint, intact windows, finished floors, functional-looking kitchen and plumbing fixtures, smoke alarm present, secure entry. Key inspection risks are limited documentation of mechanical systems (HVAC, water heater, electrical panel), missing kitchen appliances (stove/fridge), potential lack of CO detector and unclear GFCI protection, and non-compliant porch/step handrail details. With verification of system operation and a few minor fixes (install stove/fridge or confirm provision, install CO detector, install/verify GFCI near wet areas, confirm HVAC & water heater operation, adjust/secure porch handrail if required), the house should be rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior appears recently painted with new-ish vinyl plank flooring; cosmetic wear and scuffing on floors and minor ceiling patching visible. Cabinets and counters present and in fair condition. Major appliances (stove and refrigerator) are not visible in photos — listing notes possible appliance concessions. Porch/railing is intact but shows weathering. Overall defects are mostly cosmetic and moderate; missing appliances reduce readiness moderately but are not structural failures."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 72.7,
"rationale": "Exterior siding appears intact and recently installed or painted; brick foundation looks stable with crawlspace vents present. Yard is overgrown in places and walkway shows cracking/settling but no standing water visible. Vegetation is close to foundation and should be cleared to reduce moisture/pest risk. Front porch rail and step configuration is marginal for code/handrail continuity but structurally appears serviceable."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (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": "Section 8 / NSPIRE safety & code risk",
"score": 68.3,
"rationale": "Smoke alarm visible in interior photo. Entry door appears to have a keypad/lock (secure entry). Windows for bedrooms appear adequate for egress. No exposed wiring or visible broken outlets; outlet covers present. Kitchen shows no obvious active water intrusion; ceiling patch suggests a prior leak that needs verification. No CO detector is visible in photos and GFCI-type outlets near kitchen sink aren't clearly shown. Porch steps/guardrail arrangement may not meet local guard/handrail height/continuity requirements. These are fixable but represent moderate inspection risks."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 63.3,
"rationale": "Roof shingles visible from front look serviceable with no clear major failure. Interior floor registers indicate central HVAC ducting and vents present, but no HVAC unit or age/operation proof is shown. Water heater and electrical panel are not photographed. Kitchen has a range hood and dishwasher appears present. Because critical systems (HVAC, water heater, electrical panel) are not documented in photos, score is conservative despite no visible active failures."
}
],
"red_flags": [
"No visible CO detector in photos — CO alarm required if fuel-burning appliances/heating present.",
"GFCI protection near kitchen sink not identifiable in photos — likely needs verification/installation.",
"Porch/steps railing/guardrail may not meet code/NSPIRE requirements (handrail continuity/height) and needs correction.",
"Ceiling patching visible in multiple rooms — prior water intrusion; required verification to ensure no active leak or hidden damage.",
"Major systems (HVAC, water heater, electrical panel) not photographed — inspector will need to verify presence and safe operation before final pass."
],
"confidence": 0.92,
"assumptions": [
"Central HVAC is present and operational (inferred from floor vents visible in photos) but unit/equipment age and operation have not been documented.",
"Water heater and electrical panel are present but not photographed; their functional status is unknown.",
"Missing major appliances (stove and refrigerator) are real — photos show empty appliance bays and listing hints at appliance concessions; these are treated as moderate, not catastrophic, inspection issues.",
"Ceiling patching photos indicate a prior leak; no evidence of active leak or structural ceiling failure was observed in photos.",
"Smoke alarm visible in at least one photo serves as a functioning device; placement of smoke alarms in other required locations (e.g., each sleeping area) is assumed not fully verified.",
"No evidence of significant mold, active roof failure, foundation movement, or collapsed ceilings was visible in provided photos; these conditions are assumed absent unless discovered on-site."
],
"score_method": "mean_of_criteria",
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7493747606"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.