Property ID: 7505233740

6713 Glasgow Ave, Birmingham, AL, 35212

Birmingham, AL

For Sale Feb 16, 2026 02:52 AM UTC Realtor Zillow Street View
Money Down: $31,200 CoC Return: -1.07% Monthly Cash Flow: $-28
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,000
Closing Costs
$5,200
Total Down
$31,200
Primary property image

Investment Snapshot

Purchase Price
$130,000
Money Down
$31,200
Cash-on-Cash Return
-1.07%
Rent
$961
Monthly Cash Flow
$-28
Annual Cash Flow
$-334
Debt Service / Mo
$692
Property Tax / Mo
$139
Insurance / Mo
$62

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$961
Payment Standard
$1,408
Rent
$961
Insurance
$62
Property Tax
$139
Management
$96
Utilities Allowance
$447
NOI (Monthly)
$664
Debt Service
$692
Cash Flow After Debt
$-28

Quality Score: 80.30%

Confidence: 89.00%

This 3BR/1BA brick home appears fully renovated and largely turnkey for rental. Cosmetic condition is very good, appliances are present, and major visible systems show no immediate distress. Remaining inspection risks are mostly code-compliance items that are inexpensive to correct (GFCI in kitchen/bath, bedroom smoke alarms, CO alarm if required) and verification of electrical panel and water heater operation. With those items addressed or verified, the property is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.

Section 8 Payment Standard
$1,408
Utility Allowance Total
$447
Guaranteed Section 8 Rent (PS - Utilities)
$961
Property Management
$96

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$130,000
Beds
3
Baths
1
Living Area
920 sqft
Lot Size
16,553 sqft
Year Built
1966
Days on Market
104
Capital Outlay
$31,200
Debt Service
$692
Property Tax / Mo
$139
Insurance / Mo
$62

Property Description

Welcome to this beautifully renovated home! This charming property features 3 spacious bedrooms and 1 modern full bathroom. Enjoy brand-new flooring throughout, a fully updated kitchen with access to the outside deck, and a spacious backyard. Every detail has been carefully designed to offer both style and comfort. Don't miss out on this move-in-ready gem!

Utility Allowances

heating
$38
Property has central heating. The water heater is gas-powered, so natural gas is assumed for heating. 'Spire' is a major regional provider and was selected as the most likely option.
cooling
$22
Property has central air conditioning. 'Alabama Power' is a major regional provider and was selected as the most likely option.
cooking
$21
Property information explicitly lists 'Stove-Electric'. The 'Ala Power' option was chosen to be consistent with other electric utilities.
water_heating
$35
Property information explicitly lists 'Gas Water Heater'. The 'Spire' option was chosen to be consistent with other gas utilities.
other_electric
$68
This allowance for miscellaneous electric use (e.g., lighting) is standard. The 'Ala Power' option was selected to be consistent with other electric utilities.
water
$78
Property lists 'Public Water' and is located in Birmingham. The 'Water: Birmingham' option from the schedule was selected accordingly.
sewer
$151
Property information states it is 'Sewer Connected'. The allowance is based on the fixed rate from the schedule for a 3-bedroom unit.
trash_collection
$20
Trash collection provider was not specified. The 'Jefferson City' option was selected as a reasonable default for a property in Jefferson County.
refrigerator
$8
A refrigerator is not listed as a provided appliance in the property details, so it is treated as a tenant-owned utility.
range_microwave
$6
A microwave is not listed as a provided appliance in the property details, so it is treated as a tenant-owned utility.

Source References

Payment Standard Source
Effective Date: Jan 01, 2026
Utility Allowance Source
Effective Date: Jan 01, 2026

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$596
DP3 Annual Estimate$883
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$74
Replacement Value$66,100
Basis920 sqft / 1966

Nearby Houses

Nearby house 1
Photo unavailable

6613 Glasgow Ave

sold · 0.06 mi
Price: $54,000
3 bd / 2 ba · 1,609 sqft
Latest sale: $54,000 on Jun 29, 2022
Latest rent: $1,125 on Sep 08, 2022
Nearby house 2
Photo unavailable

6713 Harve Ave

sold · 0.08 mi
Price: $35,000
2 bd / 1 ba · 936 sqft
Latest sale: $35,000 on Sep 19, 2025
Latest rent: —
Nearby house 3
Photo unavailable

7108 66th St S

sold · 0.09 mi
Price: $10,000
3 bd / 1 ba · 1,126 sqft
Latest sale: $10,000 on Jan 15, 2021
Latest rent: $2,500 on Nov 22, 2019
Nearby house 4
Photo unavailable

7005 67th St S

off_market · 0.09 mi
Price: $1,260
3 bd / 1 ba · 952 sqft
Latest sale: $22,927 on May 08, 2002
Latest rent: $1,430 on Aug 05, 2025
Nearby house 5
Photo unavailable

6909 Suburban Ter

sold · 0.12 mi
Price: $107,500
3 bd / 2 ba · 1,287 sqft
Latest sale: $107,500 on Oct 31, 2025
Latest rent: $1,400 on Mar 04, 2025

Risk and Criteria Detail

Red Flags

  • success
  • No visible smoke detectors in bedrooms (only one detector visible in living area) — potential NSPIRE citation.
  • No visible carbon monoxide alarm (if local code requires CO monitoring for fuel-burning appliances).
  • No visible GFCI-protected outlet at kitchen sink area (GFCI in kitchen/bathrooms is commonly required).
  • Electrical panel and water heater not shown — inability to verify service condition remotely.

Assumptions

  • Photos are representative of the entire unit and renovations are consistent throughout (no hidden water damage or unfinished areas off-photo).
  • HVAC is functional because a thermostat and vents are present; no evidence of missing heating/cooling equipment was shown.
  • Electrical service panel and water heater are present and located off-camera and are operational unless an inspection finds otherwise.
  • Bedroom windows meet egress size requirements based on visual appearance; exact dimensions not measured in photos.
  • No evidence of active roof leaks despite no close-up roofing inspection photos; exterior roof viewed from grade appears intact.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,622 $111,900 $22,380

Sale History

DateEventPrice
2023-11-22 Sold $78,000

Photo Gallery

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                          "description": "\"Freshly Renovated 3BR w/ Fenced Yard Pet Friendly & Voucher Approved Won't Last!\"\nLooking for a place that feels like home the moment you walk in? Welcome to 7005 67th St S a cozy 3-bedroom house in East Lake with space for the life you're building.\n\nPicture this: kids or pets running free in the big fenced backyard, weekend BBQs with family, or quiet evenings relaxing in your freshly painted living room. This isn't just a rental it's a chance to have your own space, your own yard, and a safe spot to come home to every night.\n\nInside, you'll find:\n? Fresh updates and clean, bright rooms\n? Washer/dryer hookups to make life easier\n? Reliable heating and cooling so you're comfortable year-round\n? Pet-friendly policies (because family includes pets too)\n\nAnd here's the best part: we welcome voucher holders and work hard to make moving in simple and stress-free.\n\n? Just minutes from downtown Birmingham, UAB, and the airport, you'll be close to everything while enjoying the comfort of a neighborhood home.\n\nDon't let another opportunity pass you by homes like this go quickly. Come see it, fall in love, and start your next chapter here. This property allows self guided viewing without an appointment. Contact for details.",
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              "last_status_change_date": "2025-11-04T04:35:03Z"
            },
            "event_name": "Listed",
            "price_sqft": 152.17391304347825,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "21435857",
            "price_change_percentage": "+79.49%"
          },
          {
            "date": "2023-11-22",
            "price": 78000,
            "listing": {
              "status": "sold",
              "list_date": "2023-01-17T02:21:55Z",
              "list_price": 78000,
              "listing_id": "2951495490",
              "last_update_date": "2023-11-27T01:56:58Z",
              "last_status_change_date": "2023-11-27T02:20:24Z"
            },
            "event_name": "Sold",
            "price_sqft": 84.78260869565217,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "1343113",
            "price_change_percentage": "-17.81%"
          },
          {
            "date": "2023-11-01",
            "price": 78000,
            "listing": {
              "status": "sold",
              "list_date": "2023-01-17T02:21:55Z",
              "list_price": 78000,
              "listing_id": "2951495490",
              "last_update_date": "2023-11-27T01:56:58Z",
              "last_status_change_date": "2023-11-27T02:20:24Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 84.78260869565217,
            "source_name": "GreaterAlabamaMLS",
            "price_change": -1500,
            "days_after_listed": null,
            "source_listing_id": "1343113",
            "price_change_percentage": null
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          {
            "date": "2023-09-15",
            "price": 79500,
            "listing": {
              "status": "sold",
              "list_date": "2023-01-17T02:21:55Z",
              "list_price": 78000,
              "listing_id": "2951495490",
              "last_update_date": "2023-11-27T01:56:58Z",
              "last_status_change_date": "2023-11-27T02:20:24Z"
            },
            "event_name": "Relisted",
            "price_sqft": 86.41304347826087,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 79500,
            "days_after_listed": null,
            "source_listing_id": "1343113",
            "price_change_percentage": null
          },
          {
            "date": "2023-09-01",
            "price": 0,
            "listing": {
              "status": "sold",
              "list_date": "2023-01-17T02:21:55Z",
              "list_price": 78000,
              "listing_id": "2951495490",
              "last_update_date": "2023-11-27T01:56:58Z",
              "last_status_change_date": "2023-11-27T02:20:24Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": "227 days",
            "source_listing_id": "1343113",
            "price_change_percentage": null
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          {
            "date": "2023-05-08",
            "price": 79500,
            "listing": {
              "status": "sold",
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              "list_price": 78000,
              "listing_id": "2951495490",
              "last_update_date": "2023-11-27T01:56:58Z",
              "last_status_change_date": "2023-11-27T02:20:24Z"
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            "event_name": "Price Changed",
            "price_sqft": 86.41304347826087,
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            "price_change": -6400,
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          {
            "date": "2023-03-29",
            "price": 85900,
            "listing": {
              "status": "sold",
              "list_date": "2023-01-17T02:21:55Z",
              "list_price": 78000,
              "listing_id": "2951495490",
              "last_update_date": "2023-11-27T01:56:58Z",
              "last_status_change_date": "2023-11-27T02:20:24Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 93.3695652173913,
            "source_name": "GreaterAlabamaMLS",
            "price_change": -9000,
            "days_after_listed": null,
            "source_listing_id": "1343113",
            "price_change_percentage": null
          },
          {
            "date": "2023-01-17",
            "price": 94900,
            "listing": {
              "status": "sold",
              "list_date": "2023-01-17T02:21:55Z",
              "list_price": 78000,
              "listing_id": "2951495490",
              "last_update_date": "2023-11-27T01:56:58Z",
              "last_status_change_date": "2023-11-27T02:20:24Z"
            },
            "event_name": "Listed",
            "price_sqft": 103.15217391304348,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "1343113",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": false
  },
  "property_id": "7505233740",
  "generated_at": "2026-02-16T02:52:11.705842Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 80.3
  },
  "utility_allowance": {
    "zip_code": "35212",
    "home_photo": "https://ap.rdcpix.com/d843fe22d4456eb188dd4671f97859b1l-m1568132234s-w1280.jpg",
    "rent_price": 961.0,
    "loan_amount": 104000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/6713-Glasgow-Ave_Birmingham_AL_35212_M75052-33740",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 130000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 7968.64,
    "mortgage_monthly": 691.91,
    "payment_standard": 1408.0,
    "total_amount_out": 26000.0,
    "additional_photos": [
      "https://ap.rdcpix.com/d843fe22d4456eb188dd4671f97859b1l-m1564079539s-w1280.jpg",
      "https://ap.rdcpix.com/d843fe22d4456eb188dd4671f97859b1l-m776772608s-w1280.jpg",
      "https://ap.rdcpix.com/d843fe22d4456eb188dd4671f97859b1l-m147505894s-w1280.jpg",
      "https://ap.rdcpix.com/d843fe22d4456eb188dd4671f97859b1l-m2899654581s-w1280.jpg",
      "https://ap.rdcpix.com/d843fe22d4456eb188dd4671f97859b1l-m709713357s-w1280.jpg",
      "https://ap.rdcpix.com/d843fe22d4456eb188dd4671f97859b1l-m2728759645s-w1280.jpg",
      "https://ap.rdcpix.com/d843fe22d4456eb188dd4671f97859b1l-m3425180891s-w1280.jpg",
      "https://ap.rdcpix.com/d843fe22d4456eb188dd4671f97859b1l-m1619984922s-w1280.jpg",
      "https://ap.rdcpix.com/d843fe22d4456eb188dd4671f97859b1l-m3704848528s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 61.62,
    "monthly_cash_flow": 664.05,
    "property_tax_rate": 0.0060999999999999995,
    "_utility_allowance": {
      "sources": [
        "https://www.jcha.com/section-8-utility-allowances"
      ],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "Property has central heating. The water heater is gas-powered, so natural gas is assumed for heating. 'Spire' is a major regional provider and was selected as the most likely option.",
        "utility": "heating",
        "allowance": 38
      },
      {
        "note": "Property has central air conditioning. 'Alabama Power' is a major regional provider and was selected as the most likely option.",
        "utility": "cooling",
        "allowance": 22
      },
      {
        "note": "Property information explicitly lists 'Stove-Electric'. The 'Ala Power' option was chosen to be consistent with other electric utilities.",
        "utility": "cooking",
        "allowance": 21
      },
      {
        "note": "Property information explicitly lists 'Gas Water Heater'. The 'Spire' option was chosen to be consistent with other gas utilities.",
        "utility": "water_heating",
        "allowance": 35
      },
      {
        "note": "This allowance for miscellaneous electric use (e.g., lighting) is standard. The 'Ala Power' option was selected to be consistent with other electric utilities.",
        "utility": "other_electric",
        "allowance": 68
      },
      {
        "note": "Property lists 'Public Water' and is located in Birmingham. The 'Water: Birmingham' option from the schedule was selected accordingly.",
        "utility": "water",
        "allowance": 78
      },
      {
        "note": "Property information states it is 'Sewer Connected'. The allowance is based on the fixed rate from the schedule for a 3-bedroom unit.",
        "utility": "sewer",
        "allowance": 151
      },
      {
        "note": "Trash collection provider was not specified. The 'Jefferson City' option was selected as a reasonable default for a property in Jefferson County.",
        "utility": "trash_collection",
        "allowance": 20
      },
      {
        "note": "A refrigerator is not listed as a provided appliance in the property details, so it is treated as a tenant-owned utility.",
        "utility": "refrigerator",
        "allowance": 8
      },
      {
        "note": "A microwave is not listed as a provided appliance in the property details, so it is treated as a tenant-owned utility.",
        "utility": "range_microwave",
        "allowance": 6
      }
    ],
    "cash_on_cash_return": 0.31,
    "down_payment_amount": 26000.0,
    "property_tax_annual": 1670.66,
    "property_tax_monthly": 139.22,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 447.0,
    "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": -334.34,
    "property_management_monthly": 96.1,
    "monthly_cash_flow_after_debt": -27.86,
    "cash_on_cash_return_after_debt": -0.01
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This 3BR/1BA brick home appears fully renovated and largely turnkey for rental. Cosmetic condition is very good, appliances are present, and major visible systems show no immediate distress. Remaining inspection risks are mostly code-compliance items that are inexpensive to correct (GFCI in kitchen/bath, bedroom smoke alarms, CO alarm if required) and verification of electrical panel and water heater operation. With those items addressed or verified, the property is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs (cosmetic/appliances)",
            "score": 88.0,
            "rationale": "Photos and listing describe a recent renovation: new vinyl plank flooring, fresh paint, updated kitchen and bathroom. Cabinets, counters, sink, gas range and refrigerator are present and appear serviceable. Minor cosmetic marks and small paint scuffs visible in a few photos. Flooring transition at one doorway shows a small gap/finish touch-up need. Overall turnkey cosmetically — only minor touch-ups and possibly trim/threshold finishing required."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance (NSPIRE risks)",
            "score": 75.0,
            "rationale": "Visible safety items: at least one ceiling smoke alarm is visible in the living area and interior doors have functioning hardware; bedroom windows are present and appear to provide natural egress. However, there is no visible smoke alarm in the bedrooms in photos, and no carbon monoxide detector is visible. Kitchen outlets do not show obvious GFCI protection near sink (no GFCI receptacle seen), and the bathroom outlet/GFCI is not visible. No exposed wiring, loose handrails, collapsed ceilings or mold signs observed. Entry door appears to have secure locks. Based on photos, there are moderate NSPIRE risk items (GFCI and bedroom/CO alarms) that are typically quick fixes but would be cited if not corrected before inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, plumbing, electrical, roof)",
            "score": 80.0,
            "rationale": "Thermostat and wall/return vents are visible indicating forced-air HVAC present; vents look intact. Kitchen appliances (gas range, refrigerator, microwave) present and appear installed. Water heater and electrical service panel are not shown; no visible signs of active plumbing leaks, water stains, or roof sagging in interior photos. Roof appears aged but intact from exterior photo (no obvious major failure). Because key system components (panel, water heater) are not photographed, a conservative deduction was applied despite otherwise good visible condition."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site (envelope, walkways, yard)",
            "score": 85.0,
            "rationale": "Brick exterior and foundation vents appear intact; front steps and small porch have a handrail. Driveway and yard look serviceable and free of standing water in photos. Trees close to the house could shed debris onto the roof but no active water infiltration or major siding/foundation damage is visible. Some minor yard cleanup may be needed. Overall exterior shows normal, well-maintained condition."
          }
        ],
        "red_flags": [
          "No visible smoke detectors in bedrooms (only one detector visible in living area) — potential NSPIRE citation.",
          "No visible carbon monoxide alarm (if local code requires CO monitoring for fuel-burning appliances).",
          "No visible GFCI-protected outlet at kitchen sink area (GFCI in kitchen/bathrooms is commonly required).",
          "Electrical panel and water heater not shown — inability to verify service condition remotely."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Photos are representative of the entire unit and renovations are consistent throughout (no hidden water damage or unfinished areas off-photo).",
          "HVAC is functional because a thermostat and vents are present; no evidence of missing heating/cooling equipment was shown.",
          "Electrical service panel and water heater are present and located off-camera and are operational unless an inspection finds otherwise.",
          "Bedroom windows meet egress size requirements based on visual appearance; exact dimensions not measured in photos.",
          "No evidence of active roof leaks despite no close-up roofing inspection photos; exterior roof viewed from grade appears intact."
        ],
        "overall_score": 82.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This property appears largely turnkey for Section 8 / HCV occupancy: freshly renovated interior, functioning kitchen appliances, intact windows and doors, and evidence of central HVAC. Key NSPIRE risks to clear before or during inspection are: absence of a visible carbon monoxide detector (important because a gas range is present), lack of visible GFCI protection near sink/outlets, and no photos of the electrical panel, water heater, or HVAC equipment. If those items are compliant (install/verify CO alarm, confirm/upgrade GFCI, document panel and water heater condition), the property should pass an initial Housing Choice Voucher inspection with minimal work.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 90.0,
            "rationale": "Interior appears recently renovated: new-looking vinyl plank flooring throughout, fresh paint, updated kitchen cabinets/counter, newer vanity and toilet in bathroom. Appliances (gas range, refrigerator, microwave) are present. No visible cosmetic damage, large holes, or water stains in photos. Minor touch-ups (trim paint, small scuffs) likely only. Missing washer/dryer not penalized heavily per guidance."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 75.0,
            "rationale": "Positive: visible ceiling smoke detector in main area, secure entry door with deadbolt, windows in bedrooms look large enough for egress, no exposed wiring or visible loose handrails, plumbing fixtures appear intact. Concerns: no carbon monoxide (CO) alarm visible in photos (required where fuel-burning appliances are present; property has a gas range), GFCI protection at kitchen sink/outlets not clearly identified in photos, electrical panel location/condition not shown, and hot water availability not documented. These unknowns represent moderate NSPIRE risk that can often be corrected quickly but must be addressed before or during inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 74.0,
            "rationale": "Evidence of a central HVAC system is inferred (thermostat visible, floor vents present) suggesting heating/cooling exists. Gas range is installed (fuel supply present). Water heater and electrical panel are not pictured; their condition and age are unknown. Roof shingles appear aged with some staining but no obvious active leaks visible from exterior photo. Because key system components (water heater, electrical panel, HVAC unit) are not shown, a moderate deduction is applied for unknown condition despite no visible system failure in photos."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 85.0,
            "rationale": "Brick exterior appears intact; yard, driveway, and walkway are serviceable. Front steps have a handrail and look stable. Crawlspace vents visible; no standing water, major erosion, visible foundation cracks, or collapsed elements in photos. Roof shows some wear/discoloration but no visible sagging or collapsed areas from photos. Some landscaping cleanup may be needed but no major exterior rehab appears required."
          }
        ],
        "red_flags": [
          "No visible carbon monoxide (CO) alarm in photos — required where fuel-burning appliances (gas range) are present.",
          "GFCI protection at kitchen/bath outlets not confirmed in photos (kitchen outlet near sink appears standard).",
          "Electrical panel location and condition not shown — unable to verify labeling, cover condition, or accessibility.",
          "Water heater not pictured — hot water availability and water heater condition unknown."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Central forced-air HVAC is present and operational (thermostat and floor vents observed).",
          "Hot water system exists but was not photographed; assumed functional unless indicated otherwise.",
          "Electrical panel is present and compliant; location and condition were not shown so assumed typical but unverified.",
          "Bedrooms have adequate egress based on window size/placement visible in photos.",
          "No visible active roof leaks; roof condition inferred as aged but serviceable from exterior photo.",
          "Appliances shown (gas stove, refrigerator, microwave) are operational unless otherwise noted."
        ],
        "overall_score": 81.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "This 3BR/1BA brick ranch appears to be cosmetically renovated and largely turnkey for Section 8/NSPIRE inspection. Interior finishes, appliances and fixtures look updated; vents and a thermostat are visible indicating HVAC distribution; a smoke detector is visible in the living area. Main uncertainty areas are unseen components (electrical panel, water heater, proof of working heating/cooling, presence of CO alarm and GFCI outlets) and the roof’s remaining service life given nearby trees. Likely inspection outcome: pass after verifying presence/operation of smoke detectors in bedrooms, CO alarm (if required), GFCI protection, and providing any missing minor items. Time to rent-readiness: likely under 30 days to confirm/repair remaining items.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 85.0,
            "rationale": "Photos show a recent cosmetic renovation: new-look vinyl plank flooring throughout, fresh paint, updated kitchen cabinets/counters, functioning appliances (gas range, refrigerator, microwave) and an updated bathroom fixture/vanity. Minor scuffs at baseboards and small paint touch-ups visible in photos. No missing major appliances or visible deferred structural repairs. Overall turnkey cosmetically."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 75.0,
            "rationale": "Visible safety items: at least one ceiling-mounted smoke detector visible in main living area and a secure entry door with keyed lock. Bedrooms have windows that appear operable and likely provide egress. No exposed wiring, visible mold, or active water intrusion in photos. Deductions: smoke detectors in bedrooms and carbon monoxide alarm are not visible in images (gas range present → CO alarm recommended/commonly required); GFCI protection at kitchen/bath outlets not clearly visible. These uncertainties reduce the score but there are no obvious life‑threatening hazards shown."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
            "score": 70.0,
            "rationale": "Interior register vents and a thermostat/control box are visible so a central HVAC distribution system is likely present. Kitchen and bathroom plumbing fixtures look new and functional in photos. Appliances are present and appear operational. The roof shows aged shingles but no visible sagging or active leak staining on ceilings. Electrical panel and water heater are not shown, so their condition is unverified—score reduced to reflect unknowns despite no visible system failures."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Brick exterior appears intact with crawlspace/venting present. Porch and entry steps have a handrail. Yard is spacious and generally maintained. Negative factors: several large trees are close to the roofline (increased debris/roof wear risk) and gutters/downspouts aren’t visible in photos (drainage not confirmed). Driveway and immediate grading show minor wear but no standing water visible."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Interior photos are recent and represent current condition.",
          "HVAC system exists and is operational (registers and thermostat visible) though the condensing unit/furnace was not photographed.",
          "Hot water and plumbing are functional; no evidence of active leaks in photos.",
          "Windows shown in bedrooms meet egress size requirements typical for the area unless inspection measures indicate otherwise.",
          "Electrical panel and water heater are present and meet local code though not shown; no visible exposed wiring suggests basic electrical safety.",
          "No peeling lead-risk paint or severe asbestos disturbance visible; built in 1966 so lead risk exists but no peeling paint was photographed.",
          "Listing photos do not show CO alarm or GFCI outlets — these may be present but not photographed."
        ],
        "overall_score": 77.0,
        "rubric_version": "ns_2026_v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "6713 Glasgow Ave, Birmingham, AL, 35212",
    "aggregate": {
      "summary": "This 3BR/1BA brick home appears fully renovated and largely turnkey for rental. Cosmetic condition is very good, appliances are present, and major visible systems show no immediate distress. Remaining inspection risks are mostly code-compliance items that are inexpensive to correct (GFCI in kitchen/bath, bedroom smoke alarms, CO alarm if required) and verification of electrical panel and water heater operation. With those items addressed or verified, the property is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs (cosmetic/appliances)",
          "score": 87.7,
          "rationale": "Photos and listing describe a recent renovation: new vinyl plank flooring, fresh paint, updated kitchen and bathroom. Cabinets, counters, sink, gas range and refrigerator are present and appear serviceable. Minor cosmetic marks and small paint scuffs visible in a few photos. Flooring transition at one doorway shows a small gap/finish touch-up need. Overall turnkey cosmetically — only minor touch-ups and possibly trim/threshold finishing required."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site (envelope, walkways, yard)",
          "score": 81.7,
          "rationale": "Brick exterior and foundation vents appear intact; front steps and small porch have a handrail. Driveway and yard look serviceable and free of standing water in photos. Trees close to the house could shed debris onto the roof but no active water infiltration or major siding/foundation damage is visible. Some minor yard cleanup may be needed. Overall exterior shows normal, well-maintained condition."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Compliance (NSPIRE risks)",
          "score": 75.0,
          "rationale": "Visible safety items: at least one ceiling smoke alarm is visible in the living area and interior doors have functioning hardware; bedroom windows are present and appear to provide natural egress. However, there is no visible smoke alarm in the bedrooms in photos, and no carbon monoxide detector is visible. Kitchen outlets do not show obvious GFCI protection near sink (no GFCI receptacle seen), and the bathroom outlet/GFCI is not visible. No exposed wiring, loose handrails, collapsed ceilings or mold signs observed. Entry door appears to have secure locks. Based on photos, there are moderate NSPIRE risk items (GFCI and bedroom/CO alarms) that are typically quick fixes but would be cited if not corrected before inspection."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (HVAC, plumbing, electrical, roof)",
          "score": 74.7,
          "rationale": "Thermostat and wall/return vents are visible indicating forced-air HVAC present; vents look intact. Kitchen appliances (gas range, refrigerator, microwave) present and appear installed. Water heater and electrical service panel are not shown; no visible signs of active plumbing leaks, water stains, or roof sagging in interior photos. Roof appears aged but intact from exterior photo (no obvious major failure). Because key system components (panel, water heater) are not photographed, a conservative deduction was applied despite otherwise good visible condition."
        }
      ],
      "red_flags": [
        "No visible smoke detectors in bedrooms (only one detector visible in living area) — potential NSPIRE citation.",
        "No visible carbon monoxide alarm (if local code requires CO monitoring for fuel-burning appliances).",
        "No visible GFCI-protected outlet at kitchen sink area (GFCI in kitchen/bathrooms is commonly required).",
        "Electrical panel and water heater not shown — inability to verify service condition remotely."
      ],
      "confidence": 0.89,
      "assumptions": [
        "Photos are representative of the entire unit and renovations are consistent throughout (no hidden water damage or unfinished areas off-photo).",
        "HVAC is functional because a thermostat and vents are present; no evidence of missing heating/cooling equipment was shown.",
        "Electrical service panel and water heater are present and located off-camera and are operational unless an inspection finds otherwise.",
        "Bedroom windows meet egress size requirements based on visual appearance; exact dimensions not measured in photos.",
        "No evidence of active roof leaks despite no close-up roofing inspection photos; exterior roof viewed from grade appears intact."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 80.3,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7505233740"
  }
}

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