Property ID: 7516993330
419 19th St, Bessemer, AL, 35020
Bessemer, AL
Money Down: $16,776
CoC Return: 27.70%
Monthly Cash Flow: $387
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$13,980
Closing Costs
$2,796
Total Down
$16,776
Investment Snapshot
Purchase Price
$69,900
Money Down
$16,776
Cash-on-Cash Return
27.70%
Rent
$1,005
Monthly Cash Flow
$387
Annual Cash Flow
$4,646
Debt Service / Mo
$372
Property Tax / Mo
$84
Insurance / Mo
$61
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,005
Payment Standard
$1,419
Rent
$1,005
Insurance
$61
Property Tax
$84
Management
$100
Utilities Allowance
$414
NOI (Monthly)
$759
Debt Service
$372
Cash Flow After Debt
$387
Quality Score: 69.80%
Confidence: 79.00%
Overall this 3-bed/2-bath single-family looks cosmetically refreshed and likely can pass an initial HCV/NSPIRE inspection with minor repairs and a short readiness checklist. Key items to confirm/repair before inspection: install/verify GFCI protection in kitchen/baths, confirm presence and operation of carbon monoxide detector if required, verify hot water and heating operation and service HVAC as needed, provide or install required stove/fridge if tenancy requires, and verify electrical panel and smoke detectors in all sleeping areas. No immediate life‑threatening hazards were observed in the photos; expect minor to moderate pre-inspection work (paint touch-up, floor repairs, appliances, and safety device verification).
Section 8 Payment Standard
$1,419
Utility Allowance Total
$414
Guaranteed Section 8 Rent (PS - Utilities)
$1,005
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$69,900
Beds
3
Baths
2
Living Area
1,430 sqft
Lot Size
6,534 sqft
Year Built
1935
Days on Market
37
Capital Outlay
$16,776
Debt Service
$372
Property Tax / Mo
$84
Insurance / Mo
$61
Property Description
ATTN Investors: This property is move-in ready! 3 bedroom, 2 baths, huge kitchen! Priced to sell!
Utility Allowances
heating
$67
Property has central heat. Electric is assumed as the fuel type, consistent with the electric water heater. The 'Bessemer' provider was selected based on the property's location.
cooling
$15
Property has 'Central Air'. The 'Bessemer' provider option was selected based on the property's location.
water_heating
$37
Property has an 'Electric Water Heater'. The 'Bessemer' provider option was selected based on the property's location.
cooking
$14
No cooking fuel is specified. Electric was assumed as it is the fuel source for other major appliances. The 'Bessemer' provider option was selected based on the property's location.
other_electric
$48
This allowance for lights and general electric usage is standard. The 'Bessemer' provider option was selected based on the property's location.
refrigerator
$8
A refrigerator is not listed as included, so it is assumed to be tenant-owned and the corresponding allowance is applied.
range_microwave
$6
A microwave is not listed as included, so it is assumed to be tenant-owned and the corresponding allowance is applied.
water
$68
Property has 'Public Water'. The 'Bessemer' provider option was selected based on the property's location.
sewer
$151
Property is listed as 'Sewer Connected'. The allowance is a fixed rate from the schedule.
trash_collection
$0
Trash collection is a standard utility for a single-family home. The 'Bessemer ISCL' schedule provides a $0 allowance.
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$657
DP3 Annual Estimate$815
DP1 Monthly Equivalent$55
DP3 Monthly Equivalent$68
Replacement Value$74,400
Basis1,430 sqft / 1935
Nearby Houses
Photo unavailable
415 19th St S
sold · 0.01 mi
Price: $85,000
4 bd / 2 ba · 2,426 sqft
Latest sale: $85,000 on Nov 25, 2025
Latest rent: $1,300 on Dec 05, 2025
Photo unavailable
1911 Dartmouth Ave
sold · 0.04 mi
Price: $135,000
3 bd / 2 ba · 1,584 sqft
Latest sale: $135,000 on Oct 19, 2023
Latest rent: —
Photo unavailable
1822 Exeter Ave
for_sale · 0.06 mi
Price: $92,500
3 bd / 2 ba · 1,716 sqft
Latest sale: $900,000
Latest rent: $700 on Mar 01, 2016
Photo unavailable
1911 Exeter Ave
sold · 0.06 mi
Price: $9,000
3 bd / 1 ba
Latest sale: $9,000 on Jul 25, 2016
Latest rent: —
Photo unavailable
2001 Dartmouth Ave
for_sale · 0.10 mi
Price: $139,000
4 bd / 3 ba · 3,378 sqft
Latest sale: $239,916
Latest rent: —
Photo unavailable
1800 Exeter Ave
sold · 0.10 mi
Price: $180,000
3 bd / 2 ba · 1,894 sqft
Latest sale: $180,000 on Oct 20, 2021
Latest rent: —
Photo unavailable
1930 Dartmouth Ave
for_sale · 0.10 mi
Price: $129,900
3 bd / 2 ba · 2,173 sqft
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC is present and connected (inferred from visible floor registers and a wall thermostat), but operational status not verified.
- Water heater and hot water are present though not photographed; hot water operation unknown.
- Bathrooms are present and functional (listing states 2 baths) but no bathroom photos were provided; plumbing fixtures assumed intact unless otherwise discovered.
- Windows in bedrooms provide required egress (appear standard double-hung) but exact dimensions were not measured.
- Smoke detector visible in living area implies at least one detector present; additional detectors (bedrooms/hall) are assumed missing or not shown and should be verified/installed.
- No major roof leaks, foundation movement, or structural sagging are present based on available photos; unseen issues could exist but no visual signs were identified.
- Lead-paint risk exists due to 1935 build year; interior repainting appears recent and intact, but lead-hazard evaluation / disclosures apply for pre‑1978 property.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $978 | $60,900 | $12,180 |
| 2023 | $978 | $71,200 | $14,240 |
| 2022 | $730 | $53,200 | $10,640 |
| 2021 | $730 | $53,200 | $10,640 |
| 2020 | $730 | $53,200 | $10,640 |
| 2019 | $730 | $53,200 | $10,640 |
| 2018 | $615 | $44,800 | $8,960 |
| 2017 | $615 | $44,800 | $8,960 |
| 2016 | $615 | $44,800 | $8,960 |
| 2015 | $615 | $44,800 | $8,960 |
| 2013 | $509 | $36,000 | $7,200 |
| 2012 | $711 | $50,700 | $10,140 |
| 2011 | $722 | $51,500 | $10,300 |
| 2010 | $722 | $51,500 | $10,300 |
| 2009 | $722 | $51,500 | $10,300 |
| 2008 | $740 | $52,800 | $10,560 |
| 2007 | $729 | $52,000 | $10,400 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2014-11-21 | Sold | $48,945 |
| 2014-09-19 | Sold | $10,500 |
| 2008-03-05 | Sold | $20,000 |
| 2003-08-29 | Sold | $19,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-01-26 | Listed for rent | $1,050 | — |
| 2014-10-03 | Listed for rent | $800 | — |
Photo Gallery
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"High School: BESSEMER CITY",
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"County: Jefferson",
"Directions: From 65/Lakeshore. Go 9.6 miles to dead end at 150. Right onto 150. Go 1.3 mi then right onto Dartmouth.. Go .5 mi then right onto 19th",
"Source Property Type: RESIDENTIAL",
"Area: Bessemer, Hueytown, Pleasant Grove, Oak Grove",
"Source Neighborhood: BESSEMER",
"Parcel Number: 38-00-10-3-001-007.000",
"Subdivision: BESSEMER",
"Property Subtype: Single Family"
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"Year Built: 1935",
"Construction Materials: Siding-Other",
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},
"event_name": "Listed",
"price_sqft": 52.37762237762238,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21418740",
"price_change_percentage": "+52.86%"
},
{
"date": "2014-11-21",
"price": 49000,
"listing": null,
"event_name": "Sold",
"price_sqft": 34.26573426573427,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2014-09-26",
"price": 10500,
"listing": {
"status": "sold",
"list_date": "2013-06-18T07:00:00Z",
"list_price": 19900,
"listing_id": "569967795",
"last_update_date": "2014-10-02T22:53:14Z",
"last_status_change_date": "2014-09-19T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "465 days",
"source_listing_id": "567264",
"price_change_percentage": "-73.08%"
},
{
"date": "2014-08-07",
"price": 19900,
"listing": {
"status": "sold",
"list_date": "2013-06-18T07:00:00Z",
"list_price": 19900,
"listing_id": "569967795",
"last_update_date": "2014-10-02T22:53:14Z",
"last_status_change_date": "2014-09-19T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -5100,
"days_after_listed": null,
"source_listing_id": "567264",
"price_change_percentage": null
},
{
"date": "2014-05-01",
"price": 25000,
"listing": {
"status": "sold",
"list_date": "2013-06-18T07:00:00Z",
"list_price": 19900,
"listing_id": "569967795",
"last_update_date": "2014-10-02T22:53:14Z",
"last_status_change_date": "2014-09-19T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -14000,
"days_after_listed": null,
"source_listing_id": "567264",
"price_change_percentage": null
},
{
"date": "2013-06-18",
"price": 39000,
"listing": {
"status": "sold",
"list_date": "2013-06-18T07:00:00Z",
"list_price": 19900,
"listing_id": "569967795",
"last_update_date": "2014-10-02T22:53:14Z",
"last_status_change_date": "2014-09-19T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "567264",
"price_change_percentage": null
},
{
"date": "2008-11-02",
"price": 99500,
"listing": {
"status": "off_market",
"list_date": "2008-05-02T07:00:00Z",
"list_price": 99500,
"listing_id": "542586527",
"last_update_date": "2008-11-03T13:00:00Z",
"last_status_change_date": "2008-11-02T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "184 days",
"source_listing_id": "389312",
"price_change_percentage": null
},
{
"date": "2008-05-02",
"price": 99500,
"listing": {
"status": "off_market",
"list_date": "2008-05-02T07:00:00Z",
"list_price": 99500,
"listing_id": "542586527",
"last_update_date": "2008-11-03T13:00:00Z",
"last_status_change_date": "2008-11-02T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "389312",
"price_change_percentage": "+397.50%"
},
{
"date": "2008-02-27",
"price": 20000,
"listing": {
"status": "sold",
"list_date": "2007-11-02T07:00:00Z",
"list_price": 34900,
"listing_id": "542222787",
"last_update_date": "2008-02-28T03:48:58Z",
"last_status_change_date": "2008-02-27T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -14900,
"days_after_listed": "117 days",
"source_listing_id": "360705",
"price_change_percentage": "-42.69%"
},
{
"date": "2007-11-02",
"price": 34900,
"listing": {
"status": "sold",
"list_date": "2007-11-02T07:00:00Z",
"list_price": 34900,
"listing_id": "542222787",
"last_update_date": "2008-02-28T03:48:58Z",
"last_status_change_date": "2008-02-27T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "360705",
"price_change_percentage": "+7.38%"
},
{
"date": "1989-03-15",
"price": 32500,
"listing": null,
"event_name": "Sold",
"price_sqft": 22.727272727272727,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7516993330",
"generated_at": "2026-02-16T01:44:16.940464Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 69.8
},
"utility_allowance": {
"zip_code": "35020",
"home_photo": "https://ap.rdcpix.com/53ef9ec0ac94fef03837fe776609aee1l-m3295759449s-w1280.jpg",
"rent_price": 1005.0,
"loan_amount": 55920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/419-19th-St-S_Bessemer_AL_35020_M75169-93330",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 69900.0,
"loan_term_years": 30,
"annual_cash_flow": 9110.66,
"mortgage_monthly": 372.04,
"payment_standard": 1419.0,
"total_amount_out": 13980.0,
"additional_photos": [
"https://ap.rdcpix.com/53ef9ec0ac94fef03837fe776609aee1l-m1066581142s-w1280.jpg",
"https://ap.rdcpix.com/53ef9ec0ac94fef03837fe776609aee1l-m1212745913s-w1280.jpg",
"https://ap.rdcpix.com/53ef9ec0ac94fef03837fe776609aee1l-m3798112015s-w1280.jpg",
"https://ap.rdcpix.com/53ef9ec0ac94fef03837fe776609aee1l-m343591245s-w1280.jpg",
"https://ap.rdcpix.com/53ef9ec0ac94fef03837fe776609aee1l-m740667791s-w1280.jpg",
"https://ap.rdcpix.com/53ef9ec0ac94fef03837fe776609aee1l-m667133401s-w1280.jpg",
"https://ap.rdcpix.com/53ef9ec0ac94fef03837fe776609aee1l-m3791526504s-w1280.jpg",
"https://ap.rdcpix.com/53ef9ec0ac94fef03837fe776609aee1l-m4079289448s-w1280.jpg",
"https://ap.rdcpix.com/53ef9ec0ac94fef03837fe776609aee1l-m71748144s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 61.33,
"monthly_cash_flow": 759.22,
"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. Electric is assumed as the fuel type, consistent with the electric water heater. The 'Bessemer' provider was selected based on the property's location.",
"utility": "heating",
"allowance": 67
},
{
"note": "Property has 'Central Air'. The 'Bessemer' provider option was selected based on the property's location.",
"utility": "cooling",
"allowance": 15
},
{
"note": "Property has an 'Electric Water Heater'. The 'Bessemer' provider option was selected based on the property's location.",
"utility": "water_heating",
"allowance": 37
},
{
"note": "No cooking fuel is specified. Electric was assumed as it is the fuel source for other major appliances. The 'Bessemer' provider option was selected based on the property's location.",
"utility": "cooking",
"allowance": 14
},
{
"note": "This allowance for lights and general electric usage is standard. The 'Bessemer' provider option was selected based on the property's location.",
"utility": "other_electric",
"allowance": 48
},
{
"note": "A refrigerator is not listed as included, so it is assumed to be tenant-owned and the corresponding allowance is applied.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as included, so it is assumed to be tenant-owned and the corresponding allowance is applied.",
"utility": "range_microwave",
"allowance": 6
},
{
"note": "Property has 'Public Water'. The 'Bessemer' provider option was selected based on the property's location.",
"utility": "water",
"allowance": 68
},
{
"note": "Property is listed as 'Sewer Connected'. The allowance is a fixed rate from the schedule.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Trash collection is a standard utility for a single-family home. The 'Bessemer ISCL' schedule provides a $0 allowance.",
"utility": "trash_collection",
"allowance": 0
}
],
"cash_on_cash_return": 0.65,
"down_payment_amount": 13980.0,
"property_tax_annual": 1007.34,
"property_tax_monthly": 83.95,
"property_tax_increase": 0.03,
"utility_allowance_total": 414.0,
"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": 4646.21,
"property_management_monthly": 100.5,
"monthly_cash_flow_after_debt": 387.18,
"cash_on_cash_return_after_debt": 0.33
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3-bed/2-bath single-family looks cosmetically refreshed and likely can pass an initial HCV/NSPIRE inspection with minor repairs and a short readiness checklist. Key items to confirm/repair before inspection: install/verify GFCI protection in kitchen/baths, confirm presence and operation of carbon monoxide detector if required, verify hot water and heating operation and service HVAC as needed, provide or install required stove/fridge if tenancy requires, and verify electrical panel and smoke detectors in all sleeping areas. No immediate life‑threatening hazards were observed in the photos; expect minor to moderate pre-inspection work (paint touch-up, floor repairs, appliances, and safety device verification).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Photos show a recently painted interior with intact trim and cabinetry but worn/uneven painted wood floors, some visible floor transitions/gaps, cosmetics on kitchen counters and cabinet edges, and no stove/refrigerator visible in photos. Exterior steps and porch are intact but paint-worn. These are mostly cosmetic and moderate repairs/capital items; missing appliances reduce the score moderately but are not structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "A smoke detector is visible in the living area and windows are present in bedrooms (egress likely but not measured). Entry door appears to have a lock; front steps have handrails. No exposed wiring, visible active leaks, or mold were observed. Not shown: GFCI outlets (kitchen/bath), carbon monoxide detector, electrical panel, and bathroom conditions. Absence/unknown status of GFCI and CO detector and lack of visible bathroom photos create inspection risk but no immediate life-threatening hazards are apparent from images."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "Floor register(s) and a wall thermostat/controls suggest a central HVAC system exists, but no HVAC unit, water heater, or electrical panel were photographed. Kitchen has a vent hood but no visible stove; plumbing fixtures (sink) present but hot water and water heater condition unknown. Roof and attic not shown. These unknowns reduce the score because major systems cannot be confirmed from photos, though there are no visible failures."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Front elevation shows intact siding, functioning front steps and railings, and a working exterior light. Landscaping is minimal but not overgrown. Concrete walkway has minor cracking and the painted steps show wear. No standing water, significant foundation displacement, or roof collapse visible in exterior photo. Overall exterior appears maintained."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental 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": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and connected (inferred from visible floor registers and a wall thermostat), but operational status not verified.",
"Water heater and hot water are present though not photographed; hot water operation unknown.",
"Bathrooms are present and functional (listing states 2 baths) but no bathroom photos were provided; plumbing fixtures assumed intact unless otherwise discovered.",
"Windows in bedrooms provide required egress (appear standard double-hung) but exact dimensions were not measured.",
"Smoke detector visible in living area implies at least one detector present; additional detectors (bedrooms/hall) are assumed missing or not shown and should be verified/installed.",
"No major roof leaks, foundation movement, or structural sagging are present based on available photos; unseen issues could exist but no visual signs were identified.",
"Lead-paint risk exists due to 1935 build year; interior repainting appears recent and intact, but lead-hazard evaluation / disclosures apply for pre‑1978 property."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3BR/2BA single-family appears mostly cosmetically updated and is likely to pass an initial NSPIRE/HCV inspection after a short punch list. Primary items to address before or at inspection: confirm and install required detectors (carbon monoxide if fuel appliances present), verify/replace/label GFCI protection in kitchen/bath, install/confirm stove and refrigerator if landlord-provided, repair/secure the raised/loose floorboard seam to remove trip hazard, and confirm operation of HVAC, hot water and electrical panel. No major structural or life-safety failures are visible in photos; expect minor repairs and functional verifications within 1-4 weeks to reach turnkey readiness for Section 8 tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears freshly painted and generally clean; cosmetic wear on painted wood floors (multiple areas of paint wear/peeling and a visible seam/loose board strip), some baseboard scuffs and minor trim gaps. Kitchen cabinets and countertops are functional but show wear; no stove or refrigerator are visible in photos (missing appliances reduce score moderately). No visible water stains or active deterioration in photos. Overall cosmetic and finish repairs only; likely <30 days work to be renter-ready once appliances are installed and a few floor/finish repairs completed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "Positives: smoke detector visible on living room wall/ceiling; entry door appears to have a lock and likely a deadbolt; outlet covers present; no exposed wiring or obvious electrical hazards visible; stair/handrails present at front entry. Concerns: no carbon monoxide alarm observed in photos (required if fuel-burning appliances present); no obvious GFCI outlet shown in the kitchen (required in many jurisdictions for countertop/sink areas); visible seam/raised plank in floors that could be a trip hazard; bedroom egress windows appear present but some bedroom windows are somewhat small — egress size not confirmed. Bathrooms are not shown so plumbing fixtures/hot water cannot be verified. Because critical detectors and GFCI were not observed, there is moderate NSPIRE risk until these are confirmed/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 60.0,
"rationale": "Floor vents visible in multiple rooms indicate a central HVAC distribution system likely present (positive), and the roofline and front gable appear intact in exterior photo with no visible sag or active leak stains inside. However: HVAC equipment, water heater and electrical panel are not shown; condition/operation of heating/cooling, hot water, and electrical service cannot be confirmed from photos. Ceiling tiles show seams but no collapse. Given the visible vents and lack of obvious failure signs, assign moderate score but additional verification/functional testing of HVAC, water heater, plumbing and electrical panel is required prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding and trim appear in good condition with a recently painted look; front steps and railings are present and appear structurally sound though paint is worn and there is minor finish wear. Concrete walkway shows some cracking but no standing water or major drainage issues observed. Shrubbery is overgrown but not a structural concern. No visible foundation settling, major roof failure, active leaks, or pest infestation evidence in provided exterior photo."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5yr)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational (inferred from multiple floor vents visible in rooms).",
"Bathrooms, plumbing fixtures, water heater and electrical panel exist and are functional but were not photographed; assume typical working condition unless testing shows otherwise.",
"Front entry lock includes a deadbolt or equivalent secure locking mechanism (photo shows lock hardware above knob).",
"No active roof leaks or interior water intrusion exist beyond what is visible in photos (no roof stains visible inside).",
"Listing statement 'move-in ready' is accurate and utilities can be turned on for inspection; however functional verification is still required."
],
"overall_score": 67.0,
"rubric_version": "nsPIRE_v1_photo_assessment_2026-02"
},
{
"summary": "Overall this 3BR/2BA single-family appears largely cosmetically updated and could pass an initial Section 8 (HCV/NSPIRE) inspection with only minor repairs and verification steps. The house shows fresh paint, intact ceilings and trim, functioning-looking windows and vents, and a safe exterior entry with railings. Primary risks are documentation and verification of mechanical systems (operational HVAC, water heater, hot water supply), GFCI and CO alarms, and presence/operation of kitchen appliances. Expect a likely pass after modest work (install/verify appliances, add/verify CO & GFCI protection, address floor surface wear) and 1-4 weeks of prep once systems are verified. Because major structural or life-safety defects are not visible, there are no immediate fatal red flags in the photos, but key system verifications are required prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior photos show freshly painted walls and trim and generally clean finishes. Visible issues: heavily painted/black wood floors with significant scuffing, peeled/uneven floor paint and some seams that suggest surface separation in spots; worn kitchen cabinets and counters; missing major appliances visible in photos (no range or refrigerator shown). Ceilings and trim appear intact. These are mostly cosmetic and light capital repairs (floor refinishing/paint, cabinet repair/replacement, install appliances) rather than structural. Missing appliances reduce the score moderately but not catastrophically."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 68.0,
"rationale": "No active life-threatening hazards visible. A smoke detector is visible in the living area (good). Entry door shows a lock; a deadbolt is not clearly confirmed in photos (assumed present). No exposed wiring or damaged electrical visible. Windows in bedrooms/living appear operable and provide natural light; bedroom egress appears likely but cannot be fully confirmed from photos. No visible severe water stains, mold, collapsed ceilings, or major foundation cracks. GFCI protection in kitchen/bathrooms cannot be confirmed from images. Carbon monoxide alarm not visible and not confirmed. Because several NSPIRE-required items (GFCI, CO alarm, electrical panel, bathroom plumbing fixtures, hot water) are not shown, there is moderate inspection risk even though no obvious hazards are present."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 65.0,
"rationale": "No mechanical equipment (heat/AC condenser, water heater, electrical panel) is shown in photos. Visible floor vents suggest a central forced-air system exists, but operation and condition are unconfirmed. Roofline and exterior soffits visible in front view look intact with no obvious sagging or active leaks. Kitchen sink and hood are present but functioning plumbing, hot water, and water heater condition are not documented. Electrical panel condition and presence of functional breakers are not shown. Given the lack of system photos, assume typical operational systems but factor uncertainty; this yields a moderate score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Front exterior appears maintained: vinyl siding and painted brick porch elements look in good repair, stairs and handrails present on both sides of entry. Walkway has small cracking but no standing water visible. Shrubbery could use trimming. No visible foundation displacement, roof collapse, or major exterior damage in the provided front view. Overall site presents as serviceable with minor maintenance needed."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central forced-air heating/AC system exists (floor vents visible) and is operational unless otherwise indicated.",
"Water heater and hot water are present and functioning though not pictured.",
"Electrical service and panel are present and intact though not pictured; no visible exposed wiring inside.",
"A working deadbolt on the entry door is assumed but not clearly visible in photos.",
"Bedrooms have required egress windows (windows shown in bedrooms appear appropriately sized) but exact opening dimensions not verified.",
"Smoke detector observed in living room is installed and functional; carbon monoxide detector presence not confirmed and may be required depending on local code and fuel appliances.",
"Listing statement 'move-in ready' is accurate and there are no hidden active roof leaks or major foundation issues beyond what is visible in photos.",
"No bathrooms were photographed; plumbing fixture condition, GFCI protection near sinks, and hot water availability were not verifiable from images."
],
"overall_score": 70.0,
"rubric_version": "ns_2026_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "419 19th St, Bessemer, AL, 35020",
"aggregate": {
"summary": "Overall this 3-bed/2-bath single-family looks cosmetically refreshed and likely can pass an initial HCV/NSPIRE inspection with minor repairs and a short readiness checklist. Key items to confirm/repair before inspection: install/verify GFCI protection in kitchen/baths, confirm presence and operation of carbon monoxide detector if required, verify hot water and heating operation and service HVAC as needed, provide or install required stove/fridge if tenancy requires, and verify electrical panel and smoke detectors in all sleeping areas. No immediate life‑threatening hazards were observed in the photos; expect minor to moderate pre-inspection work (paint touch-up, floor repairs, appliances, and safety device verification).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.3,
"rationale": "Photos show a recently painted interior with intact trim and cabinetry but worn/uneven painted wood floors, some visible floor transitions/gaps, cosmetics on kitchen counters and cabinet edges, and no stove/refrigerator visible in photos. Exterior steps and porch are intact but paint-worn. These are mostly cosmetic and moderate repairs/capital items; missing appliances reduce the score moderately but are not structural failures."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 77.7,
"rationale": "Front elevation shows intact siding, functioning front steps and railings, and a working exterior light. Landscaping is minimal but not overgrown. Concrete walkway has minor cracking and the painted steps show wear. No standing water, significant foundation displacement, or roof collapse visible in exterior photo. Overall exterior appears maintained."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 67.7,
"rationale": "A smoke detector is visible in the living area and windows are present in bedrooms (egress likely but not measured). Entry door appears to have a lock; front steps have handrails. No exposed wiring, visible active leaks, or mold were observed. Not shown: GFCI outlets (kitchen/bath), carbon monoxide detector, electrical panel, and bathroom conditions. Absence/unknown status of GFCI and CO detector and lack of visible bathroom photos create inspection risk but no immediate life-threatening hazards are apparent from images."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 63.3,
"rationale": "Floor register(s) and a wall thermostat/controls suggest a central HVAC system exists, but no HVAC unit, water heater, or electrical panel were photographed. Kitchen has a vent hood but no visible stove; plumbing fixtures (sink) present but hot water and water heater condition unknown. Roof and attic not shown. These unknowns reduce the score because major systems cannot be confirmed from photos, though there are no visible failures."
}
],
"red_flags": [],
"confidence": 0.79,
"assumptions": [
"Central HVAC is present and connected (inferred from visible floor registers and a wall thermostat), but operational status not verified.",
"Water heater and hot water are present though not photographed; hot water operation unknown.",
"Bathrooms are present and functional (listing states 2 baths) but no bathroom photos were provided; plumbing fixtures assumed intact unless otherwise discovered.",
"Windows in bedrooms provide required egress (appear standard double-hung) but exact dimensions were not measured.",
"Smoke detector visible in living area implies at least one detector present; additional detectors (bedrooms/hall) are assumed missing or not shown and should be verified/installed.",
"No major roof leaks, foundation movement, or structural sagging are present based on available photos; unseen issues could exist but no visual signs were identified.",
"Lead-paint risk exists due to 1935 build year; interior repainting appears recent and intact, but lead-hazard evaluation / disclosures apply for pre‑1978 property."
],
"score_method": "mean_of_criteria",
"overall_score": 69.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7516993330"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.