Property ID: 7551297227
909 Marlene Dr, Gretna, LA, 70056
Gretna, LA
Money Down: $66,000
CoC Return: -6.94%
Monthly Cash Flow: $-382
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$55,000
Closing Costs
$11,000
Total Down
$66,000
Investment Snapshot
Purchase Price
$275,000
Money Down
$66,000
Cash-on-Cash Return
-6.94%
Rent
$1,888
Monthly Cash Flow
$-382
Annual Cash Flow
$-4,578
Debt Service / Mo
$1,464
Property Tax / Mo
$424
Insurance / Mo
$193
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,888
Payment Standard
$2,328
Rent
$1,888
Insurance
$193
Property Tax
$424
Management
$189
Utilities Allowance
$440
NOI (Monthly)
$1,082
Debt Service
$1,464
Cash Flow After Debt
$-382
Quality Score: 67.10%
Confidence: 85.00%
Overall this 4-bed, 2.5-bath 1983 brick home appears structurally sound from photos and is likely to pass an initial HCV/NSPIRE inspection after addressing moderate, mostly cosmetic and code‑verification items. Primary work expected: carpet/finish replacement, kitchen refresh, driveway/sidewalk repairs, yard cleanup/stump removal, and verification/installation of required detectors (CO and any missing smoke alarms) and GFCI outlets as needed. Major structural or life‑safety issues were not apparent in provided photos, but key system verifications (electrical panel, water heater, HVAC functionality) are required on-site.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$440
Guaranteed Section 8 Rent (PS - Utilities)
$1,888
Property Management
$189
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$275,000
Beds
4
Baths
2.5
Living Area
2,668 sqft
Lot Size
—
Year Built
1983
Days on Market
146
Capital Outlay
$66,000
Debt Service
$1,464
Property Tax / Mo
$424
Insurance / Mo
$193
Property Description
Looking for an opportunity to purchase a home in enviable Timberlane Estates? Look no further than this 4 bedroom, 2.5 bathroom home with an attached garage. You'll find a formal living and dining room, along with kitchen, breakfast area, den and a large primary suite all on the first floor. Upstairs features 3 additional bedrooms and a full bathroom. Home also featured a covered concrete patio. With great bones, this home is just waiting for a new owner to breathe new life into it. Come bring your personal touch to this property!
Utility Allowances
heating
$158
The property has central heating, but the fuel type is not specified. Electric (resistive) was selected as the most conservative (highest cost) option per the rules, in the absence of specific information about natural gas or a heat pump.
cooking
$19
Property photos appear to show an electric stove, and no gas utilities are mentioned.
water_heating
$57
The fuel type for water heating is not specified. Electric was selected as a common source in the absence of specific information on natural gas.
other_electric
$77
This is a standard baseline allowance for lights, outlets, and other non-major appliances based on the number of bedrooms.
sewer
$54
The property listing explicitly states a connection to the city/public sewer system.
water
$50
The property listing explicitly states a connection to the public water source.
trash_collection
$25
Trash collection is a standard municipal service for single-family homes and is assumed to be the tenant's responsibility as it's not listed as landlord-paid.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$2,266
DP3 Annual Estimate$2,369
DP1 Monthly Equivalent$189
DP3 Monthly Equivalent$197
Replacement Value$117,000
Basis2,668 sqft / 1983
Nearby Houses
Photo unavailable
857 Marlene Dr
for_sale · 0.11 mi
Price: $384,900
4 bd / 3 ba · 2,075 sqft
Latest sale: — on Oct 14, 2020
Latest rent: —
Photo unavailable
820 Fairfield Ave
for_sale · 0.14 mi
Price: $640,000
3 bd / 3 ba · 2,854 sqft
Latest sale: —
Latest rent: —
Photo unavailable
868 Fairfield Ave
for_sale · 0.17 mi
Price: $279,900
4 bd / 3 ba · 2,145 sqft
Latest sale: — on Aug 02, 2024
Latest rent: —
Photo unavailable
769 Fairfield Ave
sold · 0.17 mi
Price: $475,000
4 bd / 4 ba · 3,540 sqft
Latest sale: — on Jun 07, 2022
Latest rent: —
Photo unavailable
880 Fairfield Ave
sold · 0.18 mi
Price: $200,000
3 bd / 2 ba · 1,625 sqft
Latest sale: — on Oct 15, 2021
Latest rent: $1,400 on Oct 07, 2017
Photo unavailable
881 Fairfield Ave
sold · 0.18 mi
Price: $299,900
4 bd / 3 ba · 2,589 sqft
Latest sale: — on Dec 06, 2021
Latest rent: —
Photo unavailable
2701 Fairfield Ave
off_market · 0.21 mi
Price: $1,975
4 bd / 2 ba · 2,000 sqft
Latest sale: —
Latest rent: $2,195 on Jul 02, 2025
Photo unavailable
3202 Mallard Ln
sold · 0.24 mi
Price: $199,900
3 bd / 2 ba · 1,688 sqft
Latest sale: — on Apr 09, 2021
Latest rent: —
Photo unavailable
1472 Alison St
for_sale · 0.24 mi
Price: $283,000
3 bd / 2 ba · 1,595 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3120 Jason Ln
sold · 0.25 mi
Price: $352,000
4 bd / 3 ba · 2,950 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos represent current condition of the entire property and are recent.
- Appliances shown (refrigerator, wall oven, cooktop) are present and in at least serviceable condition though age is older.
- HVAC system exists and vents shown are functional; no visible evidence of no heating/cooling.
- No active roof leaks or interior water intrusion exist beyond what is visible in photos.
- Electrical panel, water heater, and plumbing function are unknown and will require on-site verification.
- No evidence of significant pest infestation or peeling lead-risk paint was visible in photos; lead-paint risk assumed typical for a 1983 home and not visibly severe.
- Egress windows and bedroom sizes meet local code based on typical window proportions seen, though exact measurements not verified.
- Smoke detector shown provides alarm coverage in main space; CO alarm not visible and thus assumed missing unless provided.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $4,939 | $198,600 | $19,860 |
| 2024 | $4,943 | $198,600 | $19,860 |
| 2023 | $4,934 | $198,600 | $19,860 |
| 2022 | $4,868 | $198,600 | $19,860 |
| 2021 | $4,728 | $198,600 | $19,860 |
| 2020 | $4,711 | $198,600 | $19,860 |
| 2019 | $4,765 | $198,600 | $19,860 |
| 2018 | $2,655 | $198,600 | $19,860 |
| 2017 | $2,383 | $198,600 | $19,860 |
| 2016 | $2,365 | $198,600 | $19,860 |
| 2015 | $2,399 | $198,600 | $19,860 |
| 2014 | $2,399 | $198,600 | $19,860 |
| 2013 | $2,326 | $198,600 | $19,860 |
| 2012 | $1,635 | $198,600 | $19,860 |
| 2011 | $1,616 | $199,800 | $19,980 |
| 2010 | $1,710 | $199,800 | $19,980 |
| 2009 | $2,226 | $199,800 | $19,980 |
| 2008 | $1,265 | — | $19,980 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-13 | Listed | $275,000 |
| 2001-06-01 | Sold | $0 |
Photo Gallery
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{
"summary": "Overall this 4-bed, 2.5-bath 1983 brick home appears structurally sound from photos and is likely to pass an initial HCV/NSPIRE inspection after addressing moderate, mostly cosmetic and code‑verification items. Primary work expected: carpet/finish replacement, kitchen refresh, driveway/sidewalk repairs, yard cleanup/stump removal, and verification/installation of required detectors (CO and any missing smoke alarms) and GFCI outlets as needed. Major structural or life‑safety issues were not apparent in provided photos, but key system verifications (electrical panel, water heater, HVAC functionality) are required on-site.",
"criteria": [
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"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 65.0,
"rationale": "Interior shows dated finishes, wallpaper, stained/old carpet, clutter and minor surface wear but no visible collapsed ceilings or structural failure. Kitchen cabinets and countertops are dated; appliances (refrigerator and wall-oven/cooktop) appear present but older. Exterior brick shell appears intact. Driveway and walk path have surface cracks and a visible tree stump. These are primarily cosmetic or moderate-repair items (carpet replacement, painting/wallpaper removal, cabinet refinish/replacement, driveway patch, stump removal). Missing/older appliances reduce score moderately but do not dominate the condition assessment."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, no standing water, no exposed high‑voltage wiring). A smoke detector is visible in the vaulted area, indicating some alarm coverage. Carbon monoxide alarm presence is not visible (attached garage and apparent gas appliances create a requirement risk). GFCI receptacles, electrical panel, and hot‑water/heating functionality are not shown. French doors and windows appear to provide egress; stair railing is present though decorative — height and baluster spacing not verifiable. Moderate inspection risk due to unknown CO alarm, unknown GFCI protection, unknown electrical panel condition and unverified plumbing/hot water; these could be corrected quickly if failed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "HVAC duct registers are visible indicating central air, but operation and age are unverified. Roof shingles look intact with no visible sagging or active leaks in interior photos, but roof appears older and may require closer inspection soon. Water heater and electrical panel are not shown. Kitchen appliances present (fridge, cooktop, wall oven) so some systems are in place; however absence of direct evidence of functional heating, water heater, or panel condition lowers the score to a moderate level."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.0,
"rationale": "Brick exterior appears sound with no visible foundation settlement or major masonry issues. Roof appears intact from photos with uniform shingle coverage. Site issues include cracked/uneven driveway and walkway, tree very close to house and a recent stump left in front yard, and overgrown shrubs near the entry which could block sightlines. Fencing/backyard condition not shown. Overall exterior is serviceable but needs yard cleanup and minor repairs."
}
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"Appliances shown (refrigerator, wall oven, cooktop) are present and in at least serviceable condition though age is older.",
"HVAC system exists and vents shown are functional; no visible evidence of no heating/cooling.",
"No active roof leaks or interior water intrusion exist beyond what is visible in photos.",
"Electrical panel, water heater, and plumbing function are unknown and will require on-site verification.",
"No evidence of significant pest infestation or peeling lead-risk paint was visible in photos; lead-paint risk assumed typical for a 1983 home and not visibly severe.",
"Egress windows and bedroom sizes meet local code based on typical window proportions seen, though exact measurements not verified.",
"Smoke detector shown provides alarm coverage in main space; CO alarm not visible and thus assumed missing unless provided."
],
"overall_score": 63.0,
"rubric_version": "ns-pm-v1.0"
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"criteria": [
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"label": "Condition & repairs",
"score": 65.0,
"rationale": "Cosmetic deferred maintenance is visible: worn/stained carpet through main living areas, dated finishes and wallpaper, clutter needing cleanout, cracked driveway and front walkway, tree stump in front yard. Kitchen and appliances are present but dated (drop ceiling panels, older cabinetry). No evidence of major structural failure in photos. Missing or worn finishes reduce readiness but are relatively easy/ moderate fixes (cleaning, flooring, paint, minor concrete repair)."
},
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"key": "safety_code",
"label": "Safety & code compliance",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards in photos: stairs have a railing, no collapsed ceilings, no standing water, no visible exposed wiring. A round device is visible near the vaulted area that may be a smoke detector, but smoke/CO detector coverage and GFCI presence in kitchen/baths are not clearly documented. Front door hardware not clearly showing deadbolt. Some trip hazards (uneven walkway, stump) noted. Recommend verifying and installing smoke/CO detectors, GFCI receptacles, and a deadbolt prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 75.0,
"rationale": "Central HVAC supply vents are visible in living area indicating presence of central heating/cooling; no visible evidence of active roof leaks or interior water stains. Kitchen appliances (refrigerator, wall oven, cooktop, hood) are present though dated. Water heater, electrical panel and service condition not shown — assume functional given overall condition but require verification. Roof shingles appear aged but intact from exterior photos; no sagging or missing areas observed."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 75.0,
"rationale": "Brick exterior and roof appear intact with no visible major envelope failures. Driveway and front walkway have noticeable cracking and uneven sections; a tree stump in the front yard is a trip hazard and will need removal/cleanup. Yard and patio appear serviceable; fencing/yard drainage not visible. No obvious signs of infestation or foundation displacement in provided photos."
}
],
"red_flags": [
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"Stained carpeting and areas of heavy soiling — potential moisture or mold risk; recommend inspection and cleaning/replacement.",
"Limited visible evidence of smoke/CO detectors and GFCI outlets — verify and install as required by code before lease."
],
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"Central HVAC system is present and functional (supply vents visible); no evidence provided of no heating.",
"No active roof leaks or interior water intrusion beyond what is visible in photos; ceiling surfaces appear intact.",
"Electrical panel and water heater exist and are serviceable though not shown; assume no visible knob‑and‑tube or exposed live wiring.",
"Kitchen appliances pictured (fridge, wall oven, cooktop) are present; functionality unverified and should be tested.",
"Smoke detector/CO coverage, GFCI outlets, and deadbolt hardware are not clearly shown — assumed partial or missing and must be confirmed and corrected if absent.",
"No visible signs of severe mold, termite damage, foundation movement, or fire damage in provided photos.",
"Driveway/sidewalk cracking and stump are surface/site issues and not indicative of deeper structural problems unless inspection finds otherwise."
],
"overall_score": 70.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Overall this 4-bed, 2.5-bath single-family house (1983) appears structurally sound with mainly cosmetic and maintenance needs. Appliances are present and the roof and brick envelope appear intact. Main inspection risks are moderate and related to incomplete verification of life-safety devices (CO alarm, GFCI), trip hazards on driveway/walk, and unknown operational status of HVAC, water heater and electrical panel. With targeted, low-to-moderate-cost fixes (install/verify CO detectors and GFCIs, repair uneven walk/drive, replace/clean carpets, paint, service HVAC/water heater, confirm deadbolt), the property is likely passable for a Housing Choice Voucher/NSPIRE initial inspection within 30 days. No obvious major structural or life-safety failures are visible in photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior shows primarily cosmetic deferred maintenance: dated wallpaper, worn/stained carpeting, clutter and some scattered personal items. Kitchen and cabinetry are older but intact; refrigerator, cooktop and wall oven are present (reduces penalty for missing appliances). Minor concrete cracking in driveway and an overgrown shrub/removed-stump in front yard. No visible large-scale structural damage, collapsed ceilings, or exposed subfloor. Most items are cosmetic or capital-replacement (new carpet/paint, cabinet refresh, countertop/fixture updates) and are easy-to-fix within a short rehab scope. Estimated time to be rent-ready for minor repairs: 2–6 weeks."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 68.0,
"rationale": "No life-threatening hazards visible in photos. I observe at least one ceiling-mounted round detector in the vaulted living area (likely a smoke alarm). There are no obvious exposed electrical wires, large water stains, or collapsed ceilings. Stairs have a decorative iron guardrail present. However, carbon monoxide alarm(s) are not visible (required near sleeping areas where fuel-burning appliances/fireplaces are present). GFCI protection in kitchen/baths is not verifiable from photos. The front walkway and driveway show uneven surfaces / cracks and a tree stump in the yard that are trip hazards. Entry hardware shows a knob and possibly a deadbolt but its presence cannot be confirmed. Overall moderate NSPIRE risk: likely to pass with minor corrections (add/verify CO alarms, install/verify GFCIs, repair trip hazards, confirm deadbolt)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 65.0,
"rationale": "Roof shingles appear visually intact with no obvious sagging or active leaks in interior photos. HVAC supply/return vents are visible in ceilings indicating a central HVAC system is present, but operational status is not documented. Water heater, electrical panel and drainage components are not visible in provided photos. Fireplace appears intact; flue condition cannot be confirmed. Given lack of direct evidence on system serviceability (water heater, HVAC operation, electrical panel, plumbing hot-water), I rate system risk moderate — systems likely present but should be verified/serviced prior to occupancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior brick veneer and roofline look generally sound; no obvious foundation cracks or major wall movement are visible in photos. Driveway and front walkway show cracking and uneven sections (trip hazards). A large tree stump remains in front yard; some shrubbery may obstruct entry area. Garage door appears intact. Fencing and rear-yard conditions are not shown. Overall the exterior is in fair condition; repairs are primarily site cleanup and concrete patching/leveling."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC exists (supply/return vents visible) and will be operational or serviceable; no photographs of the furnace/air handler were provided.",
"A smoke detector is present in the vaulted living area (round device seen) but additional detectors and CO alarms near sleeping areas are assumed missing or not shown.",
"Kitchen appliances shown (stainless refrigerator, cooktop, wall oven) are functional or repairable; no stove leak or gas connection issues observed in photos.",
"Electrical panel and GFCI protection locations were not photographed; assume panel is present but GFCI coverage in kitchen/baths should be verified and likely needed.",
"No active water intrusion or roof leaks are evident in interior photos; assume roof is performing but recommend inspection/service.",
"Upstairs bedrooms have egress windows (typical for house of this era) but egress sizes were not verifiable from photos and should be confirmed on-site.",
"Fireplace and flue exist; condition and safety (cleaning, chimney liner) are unverified and should be inspected prior to tenancy.",
"No evidence of significant mold, pest infestation, foundation movement, or fire damage was visible in provided photos; absence not definitively proven from images alone."
],
"overall_score": 68.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "909 Marlene Dr, Gretna, LA, 70056",
"aggregate": {
"summary": "Overall this 4-bed, 2.5-bath 1983 brick home appears structurally sound from photos and is likely to pass an initial HCV/NSPIRE inspection after addressing moderate, mostly cosmetic and code‑verification items. Primary work expected: carpet/finish replacement, kitchen refresh, driveway/sidewalk repairs, yard cleanup/stump removal, and verification/installation of required detectors (CO and any missing smoke alarms) and GFCI outlets as needed. Major structural or life‑safety issues were not apparent in provided photos, but key system verifications (electrical panel, water heater, HVAC functionality) are required on-site.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 66.0,
"rationale": "Interior shows dated finishes, wallpaper, stained/old carpet, clutter and minor surface wear but no visible collapsed ceilings or structural failure. Kitchen cabinets and countertops are dated; appliances (refrigerator and wall-oven/cooktop) appear present but older. Exterior brick shell appears intact. Driveway and walk path have surface cracks and a visible tree stump. These are primarily cosmetic or moderate-repair items (carpet replacement, painting/wallpaper removal, cabinet refinish/replacement, driveway patch, stump removal). Missing/older appliances reduce score moderately but do not dominate the condition assessment."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 71.7,
"rationale": "Brick exterior appears sound with no visible foundation settlement or major masonry issues. Roof appears intact from photos with uniform shingle coverage. Site issues include cracked/uneven driveway and walkway, tree very close to house and a recent stump left in front yard, and overgrown shrubs near the entry which could block sightlines. Fencing/backyard condition not shown. Overall exterior is serviceable but needs yard cleanup and minor repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 66.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, no standing water, no exposed high‑voltage wiring). A smoke detector is visible in the vaulted area, indicating some alarm coverage. Carbon monoxide alarm presence is not visible (attached garage and apparent gas appliances create a requirement risk). GFCI receptacles, electrical panel, and hot‑water/heating functionality are not shown. French doors and windows appear to provide egress; stair railing is present though decorative — height and baluster spacing not verifiable. Moderate inspection risk due to unknown CO alarm, unknown GFCI protection, unknown electrical panel condition and unverified plumbing/hot water; these could be corrected quickly if failed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 66.7,
"rationale": "HVAC duct registers are visible indicating central air, but operation and age are unverified. Roof shingles look intact with no visible sagging or active leaks in interior photos, but roof appears older and may require closer inspection soon. Water heater and electrical panel are not shown. Kitchen appliances present (fridge, cooktop, wall oven) so some systems are in place; however absence of direct evidence of functional heating, water heater, or panel condition lowers the score to a moderate level."
}
],
"red_flags": [],
"confidence": 0.85,
"assumptions": [
"Photos represent current condition of the entire property and are recent.",
"Appliances shown (refrigerator, wall oven, cooktop) are present and in at least serviceable condition though age is older.",
"HVAC system exists and vents shown are functional; no visible evidence of no heating/cooling.",
"No active roof leaks or interior water intrusion exist beyond what is visible in photos.",
"Electrical panel, water heater, and plumbing function are unknown and will require on-site verification.",
"No evidence of significant pest infestation or peeling lead-risk paint was visible in photos; lead-paint risk assumed typical for a 1983 home and not visibly severe.",
"Egress windows and bedroom sizes meet local code based on typical window proportions seen, though exact measurements not verified.",
"Smoke detector shown provides alarm coverage in main space; CO alarm not visible and thus assumed missing unless provided."
],
"score_method": "mean_of_criteria",
"overall_score": 67.1,
"rubric_version": "ns-pm-v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7551297227"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.