Property ID: 7540748183
6624 S 4th Ave, Birmingham, AL, 35212
Birmingham, AL
Money Down: $27,576
CoC Return: -1.69%
Monthly Cash Flow: $-39
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,980
Closing Costs
$4,596
Total Down
$27,576
Investment Snapshot
Purchase Price
$114,900
Money Down
$27,576
Cash-on-Cash Return
-1.69%
Rent
$893
Monthly Cash Flow
$-39
Annual Cash Flow
$-466
Debt Service / Mo
$612
Property Tax / Mo
$158
Insurance / Mo
$73
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$893
Payment Standard
$1,408
Rent
$893
Insurance
$73
Property Tax
$158
Management
$89
Utilities Allowance
$515
NOI (Monthly)
$573
Debt Service
$612
Cash Flow After Debt
$-39
Quality Score: 75.60%
Confidence: 95.00%
Overall this brick 3BR/1BA home appears well-maintained and largely turnkey for a Housing Choice Voucher/NSPIRE inspection. The roof, exterior brick, interior finishes, and recent HVAC and water heater replacements are strong positives. Primary inspection risks are procedural/safety items that are not visible in the photos: smoke and CO alarms, confirmed egress for bedrooms (security bars seen on some windows), GFCI protection in wet areas, and a close inspection of the rear deck railings/fasteners. With installation/verification of detectors, confirmation of egress compliance, minor deck maintenance and standard GFCI checks, this property is likely to pass an initial HCV inspection within 1–4 weeks.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$893
Property Management
$89
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$114,900
Beds
3
Baths
1
Living Area
996 sqft
Lot Size
14,375 sqft
Year Built
1952
Days on Market
101
Capital Outlay
$27,576
Debt Service
$612
Property Tax / Mo
$158
Insurance / Mo
$73
Property Description
Welcome to this wonderfully maintained one-level home featuring 4 sides of classic brick construction. Inside, you'll find hardwood floors throughout most of the home, tile in wet areas, and fresh interior paint. The home offers a comfortable layout with 3 bedrooms and 1 full bath. Enjoy peace of mind with a newer water heater (2022) and HVAC system (2023). Relax or entertain on the back porch overlooking a private, tree-lined lot. Move-in ready and full of character. Check out the beautiful stone fireplace. Such charm this home has!
Utility Allowances
Cooking
$21
Property has an electric cooktop. Selected 'Elec: Ala Power' as the most likely and highest-cost electric option for a 3-bedroom unit.
Heating
$93
Heating is assumed to be electric, consistent with other appliances. Selected 'Elec Heat: Ala Power' as the most likely and highest-cost electric option for a 3-bedroom unit.
Cooling
$22
Property has electric central air conditioning. Selected 'A/C: Alabama Power' as the most likely and highest-cost electric option for a 3-bedroom unit.
Water Heating
$56
Property has an electric water heater. Selected 'Elec: Ala Power' as the most likely and highest-cost electric option for a 3-bedroom unit.
Other Electric
$68
Covers general electricity for lights and landlord-provided appliances. Selected 'Lights, Ref, Etc.: Ala Power' as the most likely and highest-cost electric option for a 3-bedroom unit.
Water
$78
Based on the 'Water: Birmingham' schedule for a 3-bedroom unit, matching the property's city.
Sewer
$151
Based on the fixed rate from the schedule for a 3-bedroom unit, as the property is connected to public sewer.
Trash Collection
$20
Required for a single-family home. Based on the 'Jefferson City' rate as the most appropriate general option for the area.
Tenant-Supplied Range/Microwave
$6
A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned appliance.
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$726
DP3 Annual Estimate$1,033
DP1 Monthly Equivalent$60
DP3 Monthly Equivalent$86
Replacement Value$90,900
Basis996 sqft / 1952
Nearby Houses
Photo unavailable
6616 4th Ave S
sold · 0.03 mi
Price: $105,000
3 bd / 1 ba · 1,311 sqft
Latest sale: $105,000 on Sep 26, 2025
Latest rent: —
Photo unavailable
6615 4th Ave S
sold · 0.03 mi
Price: $139,900
3 bd / 1 ba · 1,074 sqft
Latest sale: $139,900 on Nov 13, 2023
Latest rent: —
Photo unavailable
405 67th St S
sold · 0.04 mi
Price: $115,835
3 bd / 2 ba · 1,840 sqft
Latest sale: $115,835 on May 01, 2025
Latest rent: $1,125 on Sep 17, 2022
Photo unavailable
6612 4th Ave S
sold · 0.05 mi
Price: $180,000
4 bd / 2 ba · 1,788 sqft
Latest sale: $180,000 on Apr 30, 2021
Latest rent: —
Photo unavailable
6600 4th Ave S
for_sale · 0.07 mi
Price: $110,900
3 bd / 1 ba · 950 sqft
Latest sale: $14,000 on Jun 15, 2017
Latest rent: —
Photo unavailable
400 66th St S
sold · 0.10 mi
Price: $164,000
3 bd / 2 ba · 2,111 sqft
Latest sale: $164,000 on Jan 03, 2022
Latest rent: $850 on Feb 25, 2017
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide detectors in interior photos — required for NSPIRE and Section 8 and would fail inspection if absent.
- Security bars visible on exterior windows — potential bedroom egress blockage if not quick-release; egress noncompliance is an inspection failure.
- Rear deck and some exterior woodwork show weathering and will require maintenance; if railings or steps are loose, this could be a safety fail.
- Vegetation close to foundation and steep rear slope toward tree-lined area — possible drainage/pest concerns that should be checked to ensure no hidden water intrusion or foundation issues.
Assumptions
- Listing text is accurate: HVAC replaced in 2023 and water heater replaced in 2022 and are operational.
- Kitchen appliances (stove/refrigerator) are not shown; assume they may be missing or present — missing appliances would be an easy-to-fix capital item but not an automatic safety fail.
- Smoke detectors and carbon monoxide detectors are not visible in photos; assume they are not installed or not shown and will need verification/installation.
- Window security bars exist (visible on some exterior photos). Assume at least one bedroom window may have bars; assume bars are not quick-release unless verified.
- Electrical panel condition, presence of GFCI outlets in kitchen/bath, and hot water availability are not visible — scored based on listing claims and no visible distress.
- No evidence of active roof leaks, structural sagging, major foundation movement, collapsed ceilings, or severe mold based on provided photos; assume none present unless discovered on-site.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,837 | $125,600 | $25,120 |
| 2023 | $1,853 | $127,800 | $25,560 |
| 2022 | $833 | $57,500 | $11,500 |
| 2021 | $791 | $54,600 | $10,920 |
| 2020 | $791 | $54,600 | $10,920 |
| 2019 | $791 | $54,600 | $10,920 |
| 2018 | $710 | $49,000 | $9,800 |
| 2017 | $710 | $49,000 | $9,800 |
| 2016 | $710 | $49,000 | $9,800 |
| 2015 | $710 | $49,000 | $9,800 |
| 2013 | $689 | $48,500 | $9,700 |
| 2012 | $689 | $48,500 | $9,700 |
| 2011 | $696 | $49,000 | $9,800 |
| 2010 | $696 | $49,000 | $9,800 |
| 2009 | $696 | $49,000 | $9,800 |
| 2008 | $792 | $55,900 | $11,180 |
| 2007 | $782 | $55,200 | $11,040 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-02-11 | Sold | $127,000 |
| 2021-08-09 | Sold | $75,000 |
| 2017-11-16 | Sold | $15,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-05-09 | Listed for rent | $1,095 | — |
Photo Gallery
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"status": "off_market",
"list_date": null,
"list_price": 900,
"listing_id": "2955444976",
"last_update_date": "2023-09-14T19:03:24Z",
"last_status_change_date": "2023-10-10T20:18:14Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.9538152610441767,
"source_name": "TenantTurner",
"price_change": -145,
"days_after_listed": null,
"source_listing_id": "542841",
"price_change_percentage": null
},
{
"date": "2023-06-07",
"price": 950,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 950,
"listing_id": "2955445872",
"last_update_date": "2023-07-11T00:39:52Z",
"last_status_change_date": "2023-08-31T13:13:05Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.9538152610441767,
"source_name": "AppfolioUnits",
"price_change": -145,
"days_after_listed": null,
"source_listing_id": "8061661",
"price_change_percentage": null
},
{
"date": "2023-05-10",
"price": 1095,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 950,
"listing_id": "2955445872",
"last_update_date": "2023-07-11T00:39:52Z",
"last_status_change_date": "2023-08-31T13:13:05Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.0993975903614457,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "8061661",
"price_change_percentage": null
},
{
"date": "2023-05-10",
"price": 1095,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 900,
"listing_id": "2955444976",
"last_update_date": "2023-09-14T19:03:24Z",
"last_status_change_date": "2023-10-10T20:18:14Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.0993975903614457,
"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "542841",
"price_change_percentage": null
},
{
"date": "2022-05-02",
"price": 54600,
"listing": null,
"event_name": "Sold",
"price_sqft": 54.81927710843374,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2022-02-11",
"price": 127000,
"listing": null,
"event_name": "Sold",
"price_sqft": 127.51004016064257,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2022-01-30",
"price": 1145,
"listing": {
"status": "off_market",
"list_date": "2022-01-30T04:27:57Z",
"list_price": 1145,
"listing_id": "2936150937",
"last_update_date": "2021-11-12T23:08:03Z",
"last_status_change_date": "2022-01-30T04:27:57Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1302388",
"price_change_percentage": null
},
{
"date": "2021-08-09",
"price": 75000,
"listing": null,
"event_name": "Sold",
"price_sqft": 75.3012048192771,
"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": "7540748183",
"generated_at": "2026-02-16T02:52:18.684878Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 75.6
},
"utility_allowance": {
"zip_code": "35212",
"home_photo": "https://ap.rdcpix.com/0dfdca426dc5790ef21615e4b39836edl-m485697513s-w1280.jpg",
"rent_price": 893.0,
"loan_amount": 91920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/6624-4th-Ave-S_Birmingham_AL_35212_M75407-48183",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 114900.0,
"loan_term_years": 30,
"annual_cash_flow": 6872.79,
"mortgage_monthly": 611.55,
"payment_standard": 1408.0,
"total_amount_out": 22980.0,
"additional_photos": [
"https://ap.rdcpix.com/0dfdca426dc5790ef21615e4b39836edl-m3172261552s-w1280.jpg",
"https://ap.rdcpix.com/0dfdca426dc5790ef21615e4b39836edl-m2134100476s-w1280.jpg",
"https://ap.rdcpix.com/0dfdca426dc5790ef21615e4b39836edl-m2047654311s-w1280.jpg",
"https://ap.rdcpix.com/0dfdca426dc5790ef21615e4b39836edl-m3054382780s-w1280.jpg",
"https://ap.rdcpix.com/0dfdca426dc5790ef21615e4b39836edl-m2452846513s-w1280.jpg",
"https://ap.rdcpix.com/0dfdca426dc5790ef21615e4b39836edl-m390727073s-w1280.jpg",
"https://ap.rdcpix.com/0dfdca426dc5790ef21615e4b39836edl-m3786698880s-w1280.jpg",
"https://ap.rdcpix.com/0dfdca426dc5790ef21615e4b39836edl-m2877430855s-w1280.jpg",
"https://ap.rdcpix.com/0dfdca426dc5790ef21615e4b39836edl-m2850283364s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 73.29,
"monthly_cash_flow": 572.73,
"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 an electric cooktop. Selected 'Elec: Ala Power' as the most likely and highest-cost electric option for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Heating is assumed to be electric, consistent with other appliances. Selected 'Elec Heat: Ala Power' as the most likely and highest-cost electric option for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has electric central air conditioning. Selected 'A/C: Alabama Power' as the most likely and highest-cost electric option for a 3-bedroom unit.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has an electric water heater. Selected 'Elec: Ala Power' as the most likely and highest-cost electric option for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Covers general electricity for lights and landlord-provided appliances. Selected 'Lights, Ref, Etc.: Ala Power' as the most likely and highest-cost electric option for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Based on the 'Water: Birmingham' schedule for a 3-bedroom unit, matching the property's city.",
"utility": "Water",
"allowance": 78
},
{
"note": "Based on the fixed rate from the schedule for a 3-bedroom unit, as the property is connected to public sewer.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Required for a single-family home. Based on the 'Jefferson City' rate as the most appropriate general option for the area.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A microwave is not listed as a provided appliance, so this allowance is for a tenant-owned appliance.",
"utility": "Tenant-Supplied Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 22980.0,
"property_tax_annual": 1892.11,
"property_tax_monthly": 157.68,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": -465.76,
"property_management_monthly": 89.3,
"monthly_cash_flow_after_debt": -38.81,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this brick 3BR/1BA home appears well-maintained and largely turnkey for a Housing Choice Voucher/NSPIRE inspection. The roof, exterior brick, interior finishes, and recent HVAC and water heater replacements are strong positives. Primary inspection risks are procedural/safety items that are not visible in the photos: smoke and CO alarms, confirmed egress for bedrooms (security bars seen on some windows), GFCI protection in wet areas, and a close inspection of the rear deck railings/fasteners. With installation/verification of detectors, confirmation of egress compliance, minor deck maintenance and standard GFCI checks, this property is likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show fresh paint, hardwood floors in good visible condition, intact trim and no obvious water stains. Fireplace and stone surround appear cosmetically finished. No interior fixtures or finishes appear severely deferred. Missing/unspecified items: kitchen appliances are not shown in photos (listing mentions move-in ready but fridge/stove not visible) and minor deck/porch wood weathering is visible. These are mostly easy-to-fix or capital-only items; overall moderate-minor repair needs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in interior photos (could be present but not shown) — absence would be a fail. Windows appear intact but security bars are visible on some windows which can cause egress failures unless they are quick-release; bedroom egress windows cannot be confirmed. Entry door has a lock and a deadbolt visible. No exposed wiring or obvious electrical hazards seen in photos; outlets have covers. Handrails exist on front steps; rear deck railings present but appear weathered. No visible active roof leaks, collapsed ceilings, major foundation cracks, or standing water in photos. Because several required safety items (smoke/CO, egress, GFCI in wet areas) cannot be confirmed and possible barred windows exist, assign a moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 85.0,
"rationale": "Listing states newer HVAC (2023) and water heater (2022); roof shingles appear intact in exterior photos and chimney/flue present for fireplace. No visible signs of plumbing failure (no stains or leaks shown). Electrical service and meter are present on exterior; no open panels or exposed wiring observed in photos. Given the stated recent replacements and the lack of visible system distress, major systems are likely in good operational condition, though GFCI outlets and electrical panel condition cannot be verified from images."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick 4-sided construction appears sound with no obvious large cracks. Yard slopes toward tree-lined rear; no standing water observed but vegetation is close to the foundation which can create drainage or pest risks over time. Front steps have a handrail; rear deck and stairs have railings but decking looks weathered and would benefit from maintenance (sealing, fastener check). Crawl/under-deck areas are open — potential for debris/pests but not an immediate visible structural failure. Overall exterior is solid but requires routine maintenance."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos — required for NSPIRE and Section 8 and would fail inspection if absent.",
"Security bars visible on exterior windows — potential bedroom egress blockage if not quick-release; egress noncompliance is an inspection failure.",
"Rear deck and some exterior woodwork show weathering and will require maintenance; if railings or steps are loose, this could be a safety fail.",
"Vegetation close to foundation and steep rear slope toward tree-lined area — possible drainage/pest concerns that should be checked to ensure no hidden water intrusion or foundation issues."
],
"confidence": 0.7,
"assumptions": [
"Listing text is accurate: HVAC replaced in 2023 and water heater replaced in 2022 and are operational.",
"Kitchen appliances (stove/refrigerator) are not shown; assume they may be missing or present — missing appliances would be an easy-to-fix capital item but not an automatic safety fail.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they are not installed or not shown and will need verification/installation.",
"Window security bars exist (visible on some exterior photos). Assume at least one bedroom window may have bars; assume bars are not quick-release unless verified.",
"Electrical panel condition, presence of GFCI outlets in kitchen/bath, and hot water availability are not visible — scored based on listing claims and no visible distress.",
"No evidence of active roof leaks, structural sagging, major foundation movement, collapsed ceilings, or severe mold based on provided photos; assume none present unless discovered on-site."
],
"overall_score": 80.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Overall the property presents as mostly turnkey for a Section 8/HCV initial inspection. Interior finishes are in good cosmetic condition, HVAC (2023) and water heater (2022) are recent, and the brick exterior and roof appear serviceable. Primary items to verify and correct before inspection: install/verify smoke and CO detectors, confirm GFCI protection in kitchen/bath, obtain fireplace/chimney safety sign-off, and repair/seal the rear deck boards and railings. After addressing these minor items the home is likely to pass an initial NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Interior appears recently painted with hardwoods in good condition and tile in wet areas per listing. No visible major drywall, flooring or ceiling damage. Cosmetic touch-ups and minor trim/threshold repairs likely; rear deck and deck boards show weathering and will need sanding/seal or board replacement. Kitchen photos not provided so appliances cannot be fully confirmed — absence of visible appliances in photos was treated as a moderate issue but not a critical failure."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 70.0,
"rationale": "No exposed wiring, visible structural sagging, collapsed ceilings, or obvious water intrusion in photos. Entry door appears to have a deadbolt. Egress windows appear present on front windows; stair/porch rails exist at front entry. Missing information: smoke detectors and CO alarms are not visible in photos (must be installed per NSPIRE), GFCI presence in kitchen/bath not verifiable, electrical panel not shown. Fireplace/chimney will need inspection/verification of safe operation and intact flue. Score reflects likely compliance with some minor items to add/verify (detectors, GFCI, fireplace certificate)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 78.0,
"rationale": "Listing states HVAC replaced 2023 and water heater 2022 — both strong positives. Roof shingles appear in serviceable condition in exterior photos. Plumbing and electrical functionality not visible but no evidence of active leaks or failed systems in photos. Crawlspace/ventilation appears present (brick foundation vents). Score assumes HVAC and water heater are operational as listed; routine mechanical verification and electrical panel check recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Four-sided brick exterior appears sound and well-maintained. Yard slopes toward rear wooded area which could concentrate runoff near foundation — recommend verifying drainage and checking for signs of past moisture in crawlspace. Trees close to the house present normal risk (debris, roots). Rear deck railings and decking are weathered and need maintenance; under-deck area should be cleared of debris. Overall exterior is serviceable but needs minor site/drainage and deck work."
},
{
"key": "rental_history_activity",
"label": "Recent Rental 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": [
"HVAC (2023) and water heater (2022) are operational as stated in the listing.",
"No active plumbing leaks or electrical hazards exist behind finished surfaces (no visible evidence in photos).",
"Bedrooms have code-compliant egress windows (photos show typical windows but bedroom-specific windows not pictured).",
"Smoke detectors and CO alarms are not visible in photos and therefore assumed missing or unverified; will need to be installed or shown functional.",
"Kitchen appliances presence and condition are unknown (kitchen photos not provided); absence would be moderate readiness issue but not an automatic safety fail.",
"Deck structure is assumed sound but decking boards are weathered and will need repair/sealing; no severe rot or structural collapse observed in photos.",
"Foundation and crawlspace are assumed dry/stable; no visible major cracks or sagging from exterior photos."
],
"overall_score": 80.0,
"rubric_version": "ns-preset-v1"
},
{
"summary": "This 3-bed, 1-bath brick home is generally well-maintained and close to Section 8 / NSPIRE-ready. Interior finishes (hardwood, paint) and recent mechanical updates (HVAC 2023, water heater 2022) strongly support a quick pass after a short punchlist. Primary issues to verify and correct prior to inspection: presence and placement of smoke detectors and CO alarms, GFCI protection in kitchen/bath, installation/operation of kitchen appliances if required by landlord, and minor deck repairs/fastening. The rear lot slope toward woods is a moderate site/drainage concern that should be evaluated for crawlspace/moisture risk. With targeted minor repairs and safety items addressed (likely under 30 days of work), this property is very likely to pass an initial HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 78.0,
"rationale": "Interior photos show fresh paint, mostly intact hardwood floors and tile in wet areas, and a clean living area with a stone fireplace — overall cosmetically well-maintained. Exterior brick is intact. Noticeable deferred items: exterior wood deck and deck floorboards are weathered and will need sanding/sealing or partial board replacement; deck railings show age and may need fastening or repainting. No kitchen photos showing stove/refrigerator — missing appliances are not visible in the listing and should be expected; that reduces turnkey readiness moderately. Minor trim scuffs at baseboards visible in photos. No large cosmetic failures visible."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 68.0,
"rationale": "No visible exposed wiring, no sagging ceilings, front and back entries have handrails/guardrails, and the front door appears to have a lock. Large windows appear to provide egress in living areas. However, smoke detectors and carbon monoxide alarms are not visible in the photos (NSPIRE requires properly located smoke detectors and CO alarms where applicable) and GFCI outlets in kitchen/bath are not shown. The rear yard slopes to a wooded area and there may be drainage/runoff risk near the foundation (possible moisture risk). Fireplace has glass doors — gas/vent condition unknown and should be verified. Overall there are mild-to-moderate NSPIRE items that will likely require verification/installation but no immediate life‑threatening hazards were observed in photos."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 85.0,
"rationale": "Listing states HVAC was replaced in 2023 and water heater in 2022; photos show intact roof shingles with no visible sag or active leaks, and a masonry chimney in place. No visible plumbing leaks, and floor registers visible. Electrical panel location and condition not shown so assumed intact; no exposed conductors seen. Given the recent HVAC and water heater, major systems appear to be in good condition though final verification (operational HVAC, hot water, electrical panel labeling) is required at inspection."
},
{
"key": "exterior_site",
"label": "Exterior / Site",
"score": 72.0,
"rationale": "Brick exterior and foundation appear sound with no visible major cracks. Roof shingles look serviceable in photos. The lot slopes toward a heavily wooded area/possible ravine behind the home; this creates potential drainage/erosion risk and possible crawlspace/moisture concerns that need inspection. Rear deck is weathered and needs maintenance; underside shows open crawl area with debris and should be cleared/inspected for wood rot or pests. Front steps have a handrail and iron security door. No obvious infestation or severe exterior neglect visible, but the slope and tree proximity are moderate concerns."
},
{
"key": "rental_history_activity",
"label": "Rental History (5yr) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos — NSPIRE requires properly-located alarms.",
"Rear lot slopes to dense woods/possible ravine — potential drainage / crawlspace moisture risk.",
"Rear deck is weathered and may need repair (board replacement, fastening, sealing); decking and rail condition could fail an inspector's safety call if loose or rotten.",
"Kitchen appliances not shown — absence may delay move-in readiness if landlord must supply."
],
"confidence": 0.75,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assumed not verified and will likely need installation or confirmation.",
"Kitchen appliances (stove/refrigerator) are not shown; assumed not included or not guaranteed present — landlord may need to provide or clarify.",
"Electrical panel, GFCI outlets, and circuit integrity are not shown; assumed intact but require on-site verification.",
"Roof shingles are assumed serviceable based on photos; no active leaks observed inside photos so roof is judged sound for inspection but should be confirmed.",
"Bedrooms are assumed to have adequate egress windows based on visible window sizes in the living/dining areas, but bedroom-specific egress must be verified on-site.",
"The lower-level/crawlspace access exists (shown rear door) and may have moisture; assumed no active standing water visible but wood debris and slope increase moisture risk."
],
"overall_score": 81.0,
"rubric_version": "ns-promo-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6624 S 4th Ave, Birmingham, AL, 35212",
"aggregate": {
"summary": "Overall this brick 3BR/1BA home appears well-maintained and largely turnkey for a Housing Choice Voucher/NSPIRE inspection. The roof, exterior brick, interior finishes, and recent HVAC and water heater replacements are strong positives. Primary inspection risks are procedural/safety items that are not visible in the photos: smoke and CO alarms, confirmed egress for bedrooms (security bars seen on some windows), GFCI protection in wet areas, and a close inspection of the rear deck railings/fasteners. With installation/verification of detectors, confirmation of egress compliance, minor deck maintenance and standard GFCI checks, this property is likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.3,
"rationale": "Interior photos show fresh paint, hardwood floors in good visible condition, intact trim and no obvious water stains. Fireplace and stone surround appear cosmetically finished. No interior fixtures or finishes appear severely deferred. Missing/unspecified items: kitchen appliances are not shown in photos (listing mentions move-in ready but fridge/stove not visible) and minor deck/porch wood weathering is visible. These are mostly easy-to-fix or capital-only items; overall moderate-minor repair needs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 74.0,
"rationale": "Brick 4-sided construction appears sound with no obvious large cracks. Yard slopes toward tree-lined rear; no standing water observed but vegetation is close to the foundation which can create drainage or pest risks over time. Front steps have a handrail; rear deck and stairs have railings but decking looks weathered and would benefit from maintenance (sealing, fastener check). Crawl/under-deck areas are open — potential for debris/pests but not an immediate visible structural failure. Overall exterior is solid but requires routine maintenance."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (5y)",
"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": 66.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in interior photos (could be present but not shown) — absence would be a fail. Windows appear intact but security bars are visible on some windows which can cause egress failures unless they are quick-release; bedroom egress windows cannot be confirmed. Entry door has a lock and a deadbolt visible. No exposed wiring or obvious electrical hazards seen in photos; outlets have covers. Handrails exist on front steps; rear deck railings present but appear weathered. No visible active roof leaks, collapsed ceilings, major foundation cracks, or standing water in photos. Because several required safety items (smoke/CO, egress, GFCI in wet areas) cannot be confirmed and possible barred windows exist, assign a moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Plumbing/Electrical/Roof)",
"score": 82.7,
"rationale": "Listing states newer HVAC (2023) and water heater (2022); roof shingles appear intact in exterior photos and chimney/flue present for fireplace. No visible signs of plumbing failure (no stains or leaks shown). Electrical service and meter are present on exterior; no open panels or exposed wiring observed in photos. Given the stated recent replacements and the lack of visible system distress, major systems are likely in good operational condition, though GFCI outlets and electrical panel condition cannot be verified from images."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos — required for NSPIRE and Section 8 and would fail inspection if absent.",
"Security bars visible on exterior windows — potential bedroom egress blockage if not quick-release; egress noncompliance is an inspection failure.",
"Rear deck and some exterior woodwork show weathering and will require maintenance; if railings or steps are loose, this could be a safety fail.",
"Vegetation close to foundation and steep rear slope toward tree-lined area — possible drainage/pest concerns that should be checked to ensure no hidden water intrusion or foundation issues."
],
"confidence": 0.95,
"assumptions": [
"Listing text is accurate: HVAC replaced in 2023 and water heater replaced in 2022 and are operational.",
"Kitchen appliances (stove/refrigerator) are not shown; assume they may be missing or present — missing appliances would be an easy-to-fix capital item but not an automatic safety fail.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they are not installed or not shown and will need verification/installation.",
"Window security bars exist (visible on some exterior photos). Assume at least one bedroom window may have bars; assume bars are not quick-release unless verified.",
"Electrical panel condition, presence of GFCI outlets in kitchen/bath, and hot water availability are not visible — scored based on listing claims and no visible distress.",
"No evidence of active roof leaks, structural sagging, major foundation movement, collapsed ceilings, or severe mold based on provided photos; assume none present unless discovered on-site."
],
"score_method": "mean_of_criteria",
"overall_score": 75.6,
"rubric_version": "nsPIRE-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7540748183"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.