Property ID: 7555974362
3916 Neyrey Dr, Metairie, LA, 70002
Metairie, LA
Money Down: $70,800
CoC Return: 1.03%
Monthly Cash Flow: $61
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,000
Closing Costs
$11,800
Total Down
$70,800
Investment Snapshot
Purchase Price
$295,000
Money Down
$70,800
Cash-on-Cash Return
1.03%
Rent
$2,313
Monthly Cash Flow
$61
Annual Cash Flow
$729
Debt Service / Mo
$1,570
Property Tax / Mo
$261
Insurance / Mo
$190
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,313
Payment Standard
$2,678
Rent
$2,313
Insurance
$190
Property Tax
$261
Management
$231
Utilities Allowance
$365
NOI (Monthly)
$1,631
Debt Service
$1,570
Cash Flow After Debt
$61
Quality Score: 46.40%
Confidence: 94.00%
This 1955 single-family home shows moderate deferred maintenance and at least one major system concern (roof repairs / possible active leak). Interior has clutter and some cosmetic damage; kitchen and one bathroom appear functional. Critical inspection risks: converted garage/sunroom used as bedrooms (egress/permit risk), roof repairs/possible leaks, and no visible smoke/CO detectors. The property is not turnkey for Section 8 without addressing roof and code/egress issues; expect a likely initial inspection failure until roof and legal bedroom/egress and detector issues are resolved. Estimated readiness: moderate repairs and permit work required; likely 30–60+ days depending on roof and bedroom conversion documentation/repairs.
Section 8 Payment Standard
$2,678
Utility Allowance Total
$365
Guaranteed Section 8 Rent (PS - Utilities)
$2,313
Property Management
$231
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$295,000
Beds
5
Baths
2
Living Area
2,438 sqft
Lot Size
6,660 sqft
Year Built
1955
Days on Market
165
Capital Outlay
$70,800
Debt Service
$1,570
Property Tax / Mo
$261
Insurance / Mo
$190
Property Description
Property located in Metairie, between Veterans and W. Esplanade: 5 bedrooms & 2 baths: Owner converted garage and sunroom into bedrooms; Property does need some repairs, such as roof, sheetrock. Seller will not do any repairs, selling "As Is". Lots of potential. Property must be approved for a "Short Sale".
Utility Allowances
heating
$88
Property information specifies 'Heating Features: Gas' and 'Gas: Natural'. Selected the 'natural_gas' option from the schedule.
cooking
$15
Natural gas is available at the property for heating, so it is the most consistent and logical choice for cooking.
water_heating
$30
Natural gas is available at the property for heating, so it is the most consistent and logical choice for water heating.
other_electric
$89
Covers general electricity use for lights, appliances, and central air conditioning, which the property has.
water
$57
Property information states the water source is 'Public'.
sewer
$61
Property information states the sewer service is 'City'.
trash_collection
$25
Inferred as a standard, tenant-paid utility for a single-family detached home with city services.
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$2,280
DP3 Annual Estimate$2,280
DP1 Monthly Equivalent$190
DP3 Monthly Equivalent$190
Replacement Value$148,000
Basis2,438 sqft / 1955
Nearby Houses
Photo unavailable
3917 Neyrey Dr
off_market · 0.03 mi
Price: $399,000
4 bd / 3 ba · 3,500 sqft
Latest sale: — on Sep 10, 2024
Latest rent: —
Photo unavailable
4004 Wanda Lynn Dr
sold · 0.06 mi
Price: $245,000
— bd / — ba
Latest sale: — on Jul 12, 2021
Latest rent: —
Photo unavailable
4109 N Turnbull Dr
sold · 0.11 mi
Price: $495,000
4 bd / 3 ba · 2,469 sqft
Latest sale: — on Sep 02, 2022
Latest rent: —
Photo unavailable
3900 Ferran Dr
sold · 0.11 mi
Price: $249,000
3 bd / 2 ba · 1,928 sqft
Latest sale: — on Jun 18, 2021
Latest rent: —
Photo unavailable
3717 Wanda Lynn Dr
for_sale · 0.15 mi
Price: $360,000
3 bd / 3 ba · 2,476 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Roof requiring repair / evidence of possible active leaks (listed and suggested by ceiling tarp/repairs).
- Garage and sunroom converted into bedrooms — likely non-permitted conversions and potential egress failures.
- Seller will not complete repairs (sold 'As Is' / short sale) — buyer/owner must remediate before inspection.
- No visible smoke detectors or carbon monoxide detectors in the provided photos.
- Interior ceiling/wall sheetrock issues called out in listing and visible in photos (may indicate hidden water damage or mold).
Assumptions
- Central HVAC likely present (ceiling vents visible) but operability not confirmed; at least one window AC unit was observed.
- No smoke detectors or carbon monoxide detectors are present or functional in rooms shown (none visible in photos).
- Converted garage and sunroom are being used as bedrooms but were likely converted without full permitting/egress upgrades (common for similar listings).
- Roof requires repairs as stated in listing; blue tarp/ceiling covering in photos implies recent or active water intrusion.
- Electrical panel, water heater, and furnace are not visible in photos and are assumed to be unverified in condition.
- Appliances (stove, refrigerator) are present in the kitchen and assumed to be functional, but seller will not repair if not.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $3,039 | $240,800 | $24,080 |
| 2024 | $3,034 | $240,800 | $24,080 |
| 2023 | $3,029 | $230,300 | $23,030 |
| 2022 | $2,950 | $230,300 | $23,030 |
| 2021 | $2,740 | $230,300 | $23,030 |
| 2020 | $2,720 | $230,300 | $23,030 |
| 2019 | $2,636 | $217,100 | $21,710 |
| 2018 | $2,461 | $217,100 | $21,710 |
| 2017 | $2,461 | $217,100 | $21,710 |
| 2016 | $2,414 | $217,100 | $21,710 |
| 2015 | $2,401 | $210,800 | $21,080 |
| 2014 | $2,371 | $210,800 | $21,080 |
| 2013 | $2,371 | $210,800 | $21,080 |
| 2012 | $2,371 | $210,800 | $21,080 |
| 2011 | $2,299 | $218,400 | $21,840 |
| 2010 | $2,242 | $218,400 | $21,840 |
| 2009 | $2,242 | $218,400 | $21,840 |
| 2008 | $2,220 | — | $21,840 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-25 | Listed | $295,000 |
| 2007-02-21 | Sold | $0 |
Photo Gallery
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{
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{
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"assessment": {
"land": 9280,
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},
{
"tax": 3034,
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"market": {
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"assessment": {
"land": 9280,
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}
},
{
"tax": 3029,
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"market": {
"land": 92800,
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},
"assessment": {
"land": 9280,
"total": 23030,
"building": 13750
}
},
{
"tax": 2950,
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"market": {
"land": 92800,
"total": 230300,
"building": 137500
},
"assessment": {
"land": 9280,
"total": 23030,
"building": 13750
}
},
{
"tax": 2740,
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"market": {
"land": 92800,
"total": 230300,
"building": 137500
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"assessment": {
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{
"tax": 2720,
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"market": {
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"assessment": {
"land": 9280,
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"building": 13750
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{
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"assessment": {
"land": 9280,
"total": 21710,
"building": 12430
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},
{
"tax": 2461,
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"market": {
"land": 92800,
"total": 217100,
"building": 124300
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"assessment": {
"land": 9280,
"total": 21710,
"building": 12430
}
},
{
"tax": 2461,
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"market": {
"land": 92800,
"total": 217100,
"building": 124300
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"assessment": {
"land": 9280,
"total": 21710,
"building": 12430
}
},
{
"tax": 2414,
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"market": {
"land": 92800,
"total": 217100,
"building": 124300
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"assessment": {
"land": 9280,
"total": 21710,
"building": 12430
}
},
{
"tax": 2401,
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"market": {
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"assessment": {
"land": 9230,
"total": 21080,
"building": 11850
}
},
{
"tax": 2371,
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"market": {
"land": 92300,
"total": 210800,
"building": 118500
},
"assessment": {
"land": 9230,
"total": 21080,
"building": 11850
}
},
{
"tax": 2371,
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"market": {
"land": 92300,
"total": 210800,
"building": 118500
},
"assessment": {
"land": 9230,
"total": 21080,
"building": 11850
}
},
{
"tax": 2371,
"year": 2012,
"market": {
"land": 92300,
"total": 210800,
"building": 118500
},
"assessment": {
"land": 9230,
"total": 21080,
"building": 11850
}
},
{
"tax": 2299,
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"market": {
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"building": 126100
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"assessment": {
"land": 9230,
"total": 21840,
"building": 12610
}
},
{
"tax": 2242,
"year": 2010,
"market": {
"land": 92300,
"total": 218400,
"building": 126100
},
"assessment": {
"land": 9230,
"total": 21840,
"building": 12610
}
},
{
"tax": 2242,
"year": 2009,
"market": {
"land": 92300,
"total": 218400,
"building": 126100
},
"assessment": {
"land": 9230,
"total": 21840,
"building": 12610
}
},
{
"tax": 2220,
"year": 2008,
"market": null,
"assessment": {
"land": null,
"total": 21840,
"building": null
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}
],
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{
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"price": 0,
"listing": null,
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"source_name": "Public Record",
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"days_after_listed": null,
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],
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}
},
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},
"property_id": "7555974362",
"generated_at": "2026-03-27T01:51:51.964500Z",
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"reason": "disabled",
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},
"processing_status": {
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"eligible": true,
"min_score": 10.0,
"overall_score": 46.4
},
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3916-Neyrey-Dr_Metairie_LA_70002_M75559-74362",
"bedroom_count": 5,
"interest_rate": 0.07,
"purchase_price": 295000.0,
"loan_term_years": 30,
"annual_cash_flow": 19570.23,
"mortgage_monthly": 1570.11,
"payment_standard": 2678.0,
"total_amount_out": 59000.0,
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"insurance_monthly": 190.0,
"monthly_cash_flow": 1630.85,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property information specifies 'Heating Features: Gas' and 'Gas: Natural'. Selected the 'natural_gas' option from the schedule.",
"utility": "heating",
"allowance": 88
},
{
"note": "Natural gas is available at the property for heating, so it is the most consistent and logical choice for cooking.",
"utility": "cooking",
"allowance": 15
},
{
"note": "Natural gas is available at the property for heating, so it is the most consistent and logical choice for water heating.",
"utility": "water_heating",
"allowance": 30
},
{
"note": "Covers general electricity use for lights, appliances, and central air conditioning, which the property has.",
"utility": "other_electric",
"allowance": 89
},
{
"note": "Property information states the water source is 'Public'.",
"utility": "water",
"allowance": 57
},
{
"note": "Property information states the sewer service is 'City'.",
"utility": "sewer",
"allowance": 61
},
{
"note": "Inferred as a standard, tenant-paid utility for a single-family detached home with city services.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.33,
"down_payment_amount": 59000.0,
"property_tax_annual": 3130.17,
"property_tax_monthly": 260.85,
"property_tax_increase": 0.03,
"utility_allowance_total": 365.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
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"effective_date": "2025-01-01"
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"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 728.86,
"property_management_monthly": 231.3,
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"section8_assessment": {
"runs": [
{
"summary": "This 1955 single-family home shows moderate deferred maintenance and at least one major system concern (roof repairs / possible active leak). Interior has clutter and some cosmetic damage; kitchen and one bathroom appear functional. Critical inspection risks: converted garage/sunroom used as bedrooms (egress/permit risk), roof repairs/possible leaks, and no visible smoke/CO detectors. The property is not turnkey for Section 8 without addressing roof and code/egress issues; expect a likely initial inspection failure until roof and legal bedroom/egress and detector issues are resolved. Estimated readiness: moderate repairs and permit work required; likely 30–60+ days depending on roof and bedroom conversion documentation/repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 50.0,
"rationale": "Interior finishes are generally intact but show deferred maintenance and clutter. Listing explicitly calls out roof and sheetrock repairs and seller sells 'As Is'. Photos show torn up/dirty flooring in some rooms, scattered debris, and cosmetic wear in bedrooms and living areas. Kitchen and at least one bathroom appear serviceable and appliances are present, which lessens penalty. Converted garage/sunroom used as bedrooms indicates non-standard work that will likely require remediation or permitting for rental use. Overall moderate repairs needed but no widespread visible collapse."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 35.0,
"rationale": "Multiple NSPIRE safety risks visible or strongly implied: listing calls for roof repairs and photos show a ceiling area covered/tarped (possible active leak). No smoke detectors or carbon monoxide detectors are visible in photos. Bedrooms include converted garage/sunroom which commonly fail egress, ventilation, and permit requirements — a likely inspection failure unless those spaces meet egress requirements and permits are documented. No obvious exposed wiring, but absence of visible detectors and potential water intrusion reduces score substantially."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 40.0,
"rationale": "Roof condition is explicitly noted as needing repair — a major system concern. HVAC presence is suggested by ceiling vents and a window unit but operability is unconfirmed. Plumbing fixtures appear present and at least one bathroom has been recently renovated; water heater and electrical panel not shown. Because the roof issue plus unknown condition of major mechanicals create inspection risk, score is reduced to reflect likely repairs or system servicing required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior photos show sound concrete driveway and level yard, intact brick/siding and no obvious foundation displacement. Walkways look serviceable and no standing water or major exterior structural damage is visible. Landscaping is minimal and there is mature tree cover near the home that could affect roof long-term. Overall exterior is in fair condition relative to interior/system concerns."
}
],
"red_flags": [
"Roof requiring repair / evidence of possible active leaks (listed and suggested by ceiling tarp/repairs).",
"Garage and sunroom converted into bedrooms — likely non-permitted conversions and potential egress failures.",
"Seller will not complete repairs (sold 'As Is' / short sale) — buyer/owner must remediate before inspection.",
"No visible smoke detectors or carbon monoxide detectors in the provided photos.",
"Interior ceiling/wall sheetrock issues called out in listing and visible in photos (may indicate hidden water damage or mold)."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC likely present (ceiling vents visible) but operability not confirmed; at least one window AC unit was observed.",
"No smoke detectors or carbon monoxide detectors are present or functional in rooms shown (none visible in photos).",
"Converted garage and sunroom are being used as bedrooms but were likely converted without full permitting/egress upgrades (common for similar listings).",
"Roof requires repairs as stated in listing; blue tarp/ceiling covering in photos implies recent or active water intrusion.",
"Electrical panel, water heater, and furnace are not visible in photos and are assumed to be unverified in condition.",
"Appliances (stove, refrigerator) are present in the kitchen and assumed to be functional, but seller will not repair if not."
],
"overall_score": 47.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Overall the property is a moderate-risk candidate for an initial Section 8/HCV inspection. Interior systems and finishes are generally present and the home has usable kitchens and baths, but the seller-disclosed roof and sheetrock repairs, plus owner-converted garage and sunroom bedrooms (likely unpermitted and potentially lacking proper egress) create significant inspection risks. Missing/undocumented safety items (smoke/CO detectors, GFCI protection, panel condition) and the seller's refusal to make repairs mean the property will likely require 30+ days and targeted repairs/permits to pass NSPIRE standards.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 50.0,
"rationale": "Interior photos show generally intact finishes but clutter, worn carpeting in bedrooms, scattered debris and some tile damage/dirty floors. Kitchen and at least one full bathroom appear functional and appliances (stove, refrigerator) are present. Listing explicitly states roof and sheetrock need repair and seller is selling 'As-Is' which indicates deferred maintenance. Missing/minor cosmetic fixes (cleanup, paint, some drywall repair) and moderate capital repairs (roof) - overall moderate repair level. Missing appliances are not an issue here (appliances present)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 35.0,
"rationale": "Visible safety items are incomplete or not shown. No smoke detectors or CO alarms are visible in photos. Listing notes garage and sunroom were converted into bedrooms — those conversions often lack proper egress windows and may be unpermitted, representing an NSPIRE fail risk for bedroom egress and habitability. No obvious exposed wiring in photos, but electrical panel and GFCI outlets are not shown. Bathrooms and kitchen appear operational but GFCI protection is unverified. Roof repair needed (per listing) increases risk of water intrusion. Because of likely unpermitted conversions and absent visible detectors, this category is a higher inspection risk."
},
{
"key": "systems_mechanical",
"label": "Mechanical Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 45.0,
"rationale": "Central HVAC is not explicitly shown, but supply/return grilles are visible in some photos and a window AC unit is present, indicating some cooling. Kitchen appliances look functional. Plumbing fixtures appear present and photos show two bathrooms with working fixtures, though one bathroom is older. Water heater and electrical panel are not visible. Listing calls out roof repairs — roof issues are a major systems concern and reduce score. Given unknown age/condition of major systems and explicit roof need, score reflects moderate risk that systems will require work."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior photos show a level concrete driveway, intact brick exterior and modest landscaping. No visible large foundation cracks, collapsed elements, or standing water in provided photos. Large tree sits close to the house and driveway which could affect roof/roofline and gutters; this is a potential maintenance concern. Paint/finish appears intact. Overall exterior is serviceable but tree proximity and reported roof issues lower the rating slightly."
}
],
"red_flags": [
"Seller-disclosed roof issues (roof repair needed) — potential leak and safety/system failure.",
"Owner-converted garage and sunroom used as bedrooms — likely unpermitted conversions and possible lack of required egress windows.",
"No visible smoke detectors or CO alarms in photos — NSPIRE immediate failure risk if absent or improperly located.",
"Seller will not perform repairs (property sold 'As Is') — transactional risk for achieving inspection pass without owner work.",
"Potential water intrusion or hidden damage related to roof issues (inferred from listing).",
"Large tree adjacent to house/roofline increases risk of roof damage and debris-related issues.",
"Age of property (built 1955) raises likelihood of lead-based paint risk and outdated electrical/plumbing systems unless remediated."
],
"confidence": 0.6,
"assumptions": [
"Listing note that 'roof' needs repair is accurate and indicates at least moderate roofing issues or compromised roof covering.",
"Converted garage and sunroom are currently being used/marketed as bedrooms and may not meet egress/window size or permit requirements.",
"Smoke alarms and carbon monoxide alarms are not installed or not in proper locations since none are visible in the photos.",
"Electrical panel condition, grounding, and GFCI protection in kitchen/bath are unknown; absence of visible hazards in photos is not confirmation of code compliance.",
"Major systems (water heater, HVAC condenser) exist but age/operational condition is unknown; presence of vents/window AC indicates cooling is available.",
"No obvious active structural collapse or severe foundation movement is visible in provided photos.",
"No confirmed history of recent rental activity within last 5 years (rental_history_last_5y missing)."
],
"overall_score": 48.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "This property shows moderate deferred maintenance and code risk. The seller-stated roof and sheetrock repairs plus owner-converted garage/sunroom used as bedrooms are the principal concerns for an initial HCV/NSPIRE inspection—converted sleeping areas may lack required egress and permits, and roof/sheetrock issues risk active leaks or hidden damage. Interior is livable in parts (kitchen appliances present) but clutter, older bathrooms, and lack of visible smoke/CO detectors increase inspection failures. Expect at least 30–60+ days and targeted repairs/permit work to reach passable condition for a voucher inspection; if conversions cannot be brought to code, rental eligibility may be denied.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 45.0,
"rationale": "Listing and photos show obvious deferred maintenance: seller notes roof and sheetrock need repair; interior photos show worn/dirty finishes, scattered debris, older bathroom fixtures, carpet wear, and converted spaces. Appliances (range, fridge, microwave) are present so missing-appliance penalty is minimal. Overall condition indicates moderate repair work (patching sheetrock, some flooring/finish work, cleaning) but not complete structural collapse."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 35.0,
"rationale": "High risk items observed or strongly inferred: owner-converted garage and sunroom used as bedrooms (likely lacking proper egress and may be unpermitted), listing discloses roof and sheetrock issues (risk of leaks), and no smoke/CO detectors are visible in photos. GFCI presence, electrical panel condition, and bedroom egress windows are not documented. These factors make an initial NSPIRE/HCV inspection likely to find deficiencies unless permits/egress and detectors are addressed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 40.0,
"rationale": "Major systems are partially evidenced but not fully documented. Kitchen appliances present; interior shows ceiling vents and at least one window AC unit, suggesting some HVAC but condition/operation of central HVAC and water heater are unverified. Listing flag for roof repair increases risk to attic/structure and mechanicals. Electrical panel and water heater were not photographed. Systems therefore represent moderate inspection risk and may require repairs or verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior brick siding, driveway, sidewalks and yard appear serviceable in photos; no visible major foundation cracks or collapsed areas. Mature trees overhang the roof (possible risk) and landscaping is somewhat neglected. Curb appeal is fair. No obvious standing water, severe grading issues or infestation evidence visible in provided images."
}
],
"red_flags": [
"Converted garage and sunroom used as bedrooms — likely lacking required egress and may be unpermitted (high HCV/NSPIRE risk).",
"Roof reported as needing repair — risk of leaks/major roof failure affecting inspection approval.",
"No visible smoke detectors or CO alarms in photos — immediate safety/inspection deficiency if absent.",
"Listing 'As Is' / seller will not make repairs — tenant-ready corrections will fall to buyer/owner and may delay compliance.",
"Sheetrock/ceiling repairs noted — potential for hidden water damage or mold where repairs required."
],
"confidence": 0.5,
"assumptions": [
"Seller disclosure (roof and sheetrock need repair) is accurate and reflects some level of roof deficiency that could cause leaks if not repaired.",
"Owner-converted garage and sunroom are likely unpermitted bedroom conversions and may not meet egress/window requirements typical for HCV bedrooms.",
"Photos are representative of the overall interior condition (no other unseen catastrophic issues like hidden structural collapse), but mechanicals (HVAC, water heater, electrical panel) were not photographed and their condition is unknown.",
"No smoke detectors or carbon monoxide alarms were visible in provided images; assume detectors may be missing or not code-located unless otherwise documented.",
"No rental history in last 5 years was found; rental_history_activity is excluded from scoring."
],
"overall_score": 45.0,
"rubric_version": "ns_poireview_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3916 Neyrey Dr, Metairie, LA, 70002",
"aggregate": {
"summary": "This 1955 single-family home shows moderate deferred maintenance and at least one major system concern (roof repairs / possible active leak). Interior has clutter and some cosmetic damage; kitchen and one bathroom appear functional. Critical inspection risks: converted garage/sunroom used as bedrooms (egress/permit risk), roof repairs/possible leaks, and no visible smoke/CO detectors. The property is not turnkey for Section 8 without addressing roof and code/egress issues; expect a likely initial inspection failure until roof and legal bedroom/egress and detector issues are resolved. Estimated readiness: moderate repairs and permit work required; likely 30–60+ days depending on roof and bedroom conversion documentation/repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 48.3,
"rationale": "Interior finishes are generally intact but show deferred maintenance and clutter. Listing explicitly calls out roof and sheetrock repairs and seller sells 'As Is'. Photos show torn up/dirty flooring in some rooms, scattered debris, and cosmetic wear in bedrooms and living areas. Kitchen and at least one bathroom appear serviceable and appliances are present, which lessens penalty. Converted garage/sunroom used as bedrooms indicates non-standard work that will likely require remediation or permitting for rental use. Overall moderate repairs needed but no widespread visible collapse."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Exterior photos show sound concrete driveway and level yard, intact brick/siding and no obvious foundation displacement. Walkways look serviceable and no standing water or major exterior structural damage is visible. Landscaping is minimal and there is mature tree cover near the home that could affect roof long-term. Overall exterior is in fair condition relative to interior/system concerns."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 35.0,
"rationale": "Multiple NSPIRE safety risks visible or strongly implied: listing calls for roof repairs and photos show a ceiling area covered/tarped (possible active leak). No smoke detectors or carbon monoxide detectors are visible in photos. Bedrooms include converted garage/sunroom which commonly fail egress, ventilation, and permit requirements — a likely inspection failure unless those spaces meet egress requirements and permits are documented. No obvious exposed wiring, but absence of visible detectors and potential water intrusion reduces score substantially."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 41.7,
"rationale": "Roof condition is explicitly noted as needing repair — a major system concern. HVAC presence is suggested by ceiling vents and a window unit but operability is unconfirmed. Plumbing fixtures appear present and at least one bathroom has been recently renovated; water heater and electrical panel not shown. Because the roof issue plus unknown condition of major mechanicals create inspection risk, score is reduced to reflect likely repairs or system servicing required."
}
],
"red_flags": [
"Roof requiring repair / evidence of possible active leaks (listed and suggested by ceiling tarp/repairs).",
"Garage and sunroom converted into bedrooms — likely non-permitted conversions and potential egress failures.",
"Seller will not complete repairs (sold 'As Is' / short sale) — buyer/owner must remediate before inspection.",
"No visible smoke detectors or carbon monoxide detectors in the provided photos.",
"Interior ceiling/wall sheetrock issues called out in listing and visible in photos (may indicate hidden water damage or mold)."
],
"confidence": 0.94,
"assumptions": [
"Central HVAC likely present (ceiling vents visible) but operability not confirmed; at least one window AC unit was observed.",
"No smoke detectors or carbon monoxide detectors are present or functional in rooms shown (none visible in photos).",
"Converted garage and sunroom are being used as bedrooms but were likely converted without full permitting/egress upgrades (common for similar listings).",
"Roof requires repairs as stated in listing; blue tarp/ceiling covering in photos implies recent or active water intrusion.",
"Electrical panel, water heater, and furnace are not visible in photos and are assumed to be unverified in condition.",
"Appliances (stove, refrigerator) are present in the kitchen and assumed to be functional, but seller will not repair if not."
],
"score_method": "mean_of_criteria",
"overall_score": 46.4,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7555974362"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.