Property ID: 7556087230
1500 Cherry Ave, Birmingham, AL, 35214
Birmingham, AL
Money Down: $20,400
CoC Return: 21.66%
Monthly Cash Flow: $368
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,000
Closing Costs
$3,400
Total Down
$20,400
Investment Snapshot
Purchase Price
$85,000
Money Down
$20,400
Cash-on-Cash Return
21.66%
Rent
$1,074
Monthly Cash Flow
$368
Annual Cash Flow
$4,420
Debt Service / Mo
$452
Property Tax / Mo
$78
Insurance / Mo
$68
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,074
Payment Standard
$1,518
Rent
$1,074
Insurance
$68
Property Tax
$78
Management
$107
Utilities Allowance
$444
NOI (Monthly)
$821
Debt Service
$452
Cash Flow After Debt
$368
Quality Score: 74.80%
Confidence: 90.00%
This single-family ranch is close to turnkey for Section 8/NSPIRE tenancy. Photos show intact roofline, serviceable interior finishes (fresh paint, vinyl plank flooring), functional kitchen and bath fixtures, and appliances present. No visible severe safety or structural failures. Primary unknowns are electrical panel location/condition, confirmation of GFCI protection in kitchen, CO alarm presence (if required), and mechanical equipment ages (HVAC, water heater). With minor fixes (confirm/replace/relocate detectors as needed, install/verify GFCI, basic landscape cleanup, touch-up trim), the property is likely to pass an initial HCV inspection within 1–4 weeks.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$444
Guaranteed Section 8 Rent (PS - Utilities)
$1,074
Property Management
$107
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$85,000
Beds
3
Baths
1
Living Area
1,144 sqft
Lot Size
43,560 sqft
Year Built
1961
Days on Market
195
Capital Outlay
$20,400
Debt Service
$452
Property Tax / Mo
$78
Insurance / Mo
$68
Property Description
This is the perfect ranch with room to grow. You have a corner lot with lots of land to fence in your backyard and a turnaround driveway. The kitchen already has all the appliances you will need to help your budget. All the rooms are the right size for a growing family. Don't miss out on the potential of this home.
Utility Allowances
heating
$42
Property has a gas water heater, strongly implying the 'Central (HEAT)' system is also gas. Selected 'N'Gas: Graysville' as 'Graysville' is a relevant service area and it's the more expensive option consistent with the rules.
cooking
$21
Property info lists an 'Electric Cooktop'. Selected 'Elec: Ala Power' as it is the primary provider for the Birmingham area.
water_heating
$36
Property info specifies a 'Gas Water Heater'. Selected 'N'Gas: Graysville' to be consistent with the heating fuel and provider choice.
other_electric
$68
Standard allowance for general tenant electric use (lights, outlets). Selected 'Lights, Ref, Etc.: Ala Power' as the logical provider for the area.
cooling
$22
Property info specifies 'Central Air' cooling. Selected 'A/C: Alabama Power' as the most common electric provider in the area.
water
$78
Property info states 'Public Water'. Selected 'Water: Birmingham' based on the property's address.
sewer
$151
Property info indicates the unit is 'Sewer: Connected'.
trash_collection
$20
Standard tenant utility. Selected 'Jefferson City (Once per week)' as a general allowance for the county, as a more specific provider for the 'Forestdale' area is not explicitly listed.
range_microwave
$6
Property does not explicitly list a landlord-provided microwave, so this allowance for a tenant-owned microwave is included per instructions.
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$669
DP3 Annual Estimate$964
DP1 Monthly Equivalent$56
DP3 Monthly Equivalent$80
Replacement Value$77,800
Basis1,144 sqft / 1961
Nearby Houses
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1428 Egret Ln
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Price: $295,000
4 bd / 3 ba · 2,218 sqft
Latest sale: $215,000 on Apr 03, 2022
Latest rent: —
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1464 Cherry Ave
for_sale · 0.08 mi
Price: $249,500
3 bd / 5 ba · 1,982 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1008 Delaney Dr
off_market · 0.12 mi
Price: $89,900
2 bd / 1 ba · 687 sqft
Latest sale: $35,000
Latest rent: $995 on Mar 27, 2025
Photo unavailable
1521 Fulmer Cir
for_sale · 0.13 mi
Price: $129,900
3 bd / 1 ba · 1,264 sqft
Latest sale: $99,500 on Aug 14, 2019
Latest rent: $1,185 on Nov 30, 2023
Photo unavailable
1418 Cochise Ln
sold · 0.14 mi
Price: $132,900
3 bd / 3 ba · 2,262 sqft
Latest sale: $132,900 on Jun 08, 2018
Latest rent: —
Photo unavailable
1016 Felix Dr
sold · 0.17 mi
Price: $90,900
3 bd / 2 ba · 1,400 sqft
Latest sale: $90,900 on Jun 17, 2019
Latest rent: —
Photo unavailable
842 Tuscumbia Dr
sold · 0.17 mi
Price: $147,000
3 bd / 2 ba · 1,699 sqft
Latest sale: $147,000 on May 22, 2020
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC exists and ducts/vents shown are connected to a working heating/cooling system; HVAC is operable but age/condition unknown.
- Utilities (water, electricity, gas if present) will be on for inspection; plumbing provides hot water though water heater was not photographed.
- Smoke detector visible in photos is functional; additional detectors or CO alarms may be required depending on local code and presence of gas appliances and will need verification/installation if missing.
- Electrical panel and grounding are present and intact though not shown; no visible exposed wiring observed in photos.
- GFCI protection at kitchen and bathroom countertop/receptacles could not be confirmed from photos and is assumed absent for risk scoring; installation would be an easy corrective item if required.
- No evidence of major hidden structural or moisture problems in photos; however, because some areas (roof valleys, attic, behind walls) are not visible, some system issues could be discovered on full inspection.
- Rental_history_activity was treated as a positive bonus. I applied a modest +5-point uplift to the weighted average of the four primary criteria to reflect recent rental activity/ongoing occupancy within last 5 years.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $907 | $90,600 | $18,120 |
| 2023 | $907 | $90,600 | $18,120 |
| 2022 | $822 | $82,100 | $16,420 |
| 2021 | $739 | $73,800 | $14,760 |
| 2020 | $739 | $73,800 | $14,760 |
| 2019 | $739 | $73,800 | $14,760 |
| 2018 | $624 | $62,300 | $12,460 |
| 2017 | $624 | $62,300 | $12,460 |
| 2016 | $624 | $62,300 | $12,460 |
| 2015 | $624 | $62,300 | $12,460 |
| 2013 | $625 | $61,400 | $12,280 |
| 2012 | $625 | $60,850 | $12,170 |
| 2011 | $634 | $61,800 | $12,360 |
| 2010 | $634 | $61,800 | $12,360 |
| 2009 | $634 | $61,800 | $12,360 |
| 2008 | $648 | $63,200 | $12,640 |
| 2007 | $639 | $62,300 | $12,460 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-01-21 | Sold | $90,000 |
| 2005-01-06 | Sold | $56,400 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2022-04-11 | Listed for rent | $1,049 | — |
| 2019-10-18 | Listed for rent | $850 | — |
| 2018-08-16 | Listed for rent | $725 | — |
| 2014-12-15 | Listed for rent | $595 | — |
Photo Gallery
Show raw JSON (debug)
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"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "+28.76%"
},
{
"date": "2019-11-24",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 850,
"listing_id": "2778010626",
"last_update_date": "2019-11-22T02:35:50Z",
"last_status_change_date": "2019-11-24T02:27:56Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "5287396",
"price_change_percentage": null
},
{
"date": "2019-11-06",
"price": 850,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 850,
"listing_id": "2778010626",
"last_update_date": "2019-11-22T02:35:50Z",
"last_status_change_date": "2019-11-24T02:27:56Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.743006993006993,
"source_name": "AppfolioUnits",
"price_change": 125,
"days_after_listed": null,
"source_listing_id": "5287396",
"price_change_percentage": null
},
{
"date": "2019-11-04",
"price": 725,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 850,
"listing_id": "2778010626",
"last_update_date": "2019-11-22T02:35:50Z",
"last_status_change_date": "2019-11-24T02:27:56Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.6337412587412588,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "5287396",
"price_change_percentage": null
},
{
"date": "2018-08-25",
"price": 725,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 725,
"listing_id": "636605287",
"last_update_date": "2018-09-10T22:38:37Z",
"last_status_change_date": "2018-08-25T10:13:13Z"
},
"event_name": "Listing removed",
"price_sqft": 0.6337412587412588,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "32409844",
"price_change_percentage": null
},
{
"date": "2018-08-16",
"price": 725,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 725,
"listing_id": "636605287",
"last_update_date": "2018-09-10T22:38:37Z",
"last_status_change_date": "2018-08-25T10:13:13Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.6337412587412588,
"source_name": "Zumper",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "32409844",
"price_change_percentage": null
},
{
"date": "2008-09-24",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2008-03-24T07:00:00Z",
"list_price": 69900,
"listing_id": "542580779",
"last_update_date": "2008-09-25T12:00:00Z",
"last_status_change_date": "2008-09-24T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "184 days",
"source_listing_id": "383778",
"price_change_percentage": null
},
{
"date": "2008-03-24",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2008-03-24T07:00:00Z",
"list_price": 69900,
"listing_id": "542580779",
"last_update_date": "2008-09-25T12:00:00Z",
"last_status_change_date": "2008-09-24T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "383778",
"price_change_percentage": "+23.94%"
},
{
"date": "2005-01-06",
"price": 56400,
"listing": null,
"event_name": "Sold",
"price_sqft": 49.3006993006993,
"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": "7556087230",
"generated_at": "2026-02-16T02:56:35.567214Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 74.8
},
"utility_allowance": {
"zip_code": "35214",
"home_photo": "https://ap.rdcpix.com/bd0af7dc18215daa5c7aaa26313d948dl-m1968981591s-w1280.jpg",
"rent_price": 1074.0,
"loan_amount": 68000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1500-Cherry-Ave_Birmingham_AL_35214_M75560-87230",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 85000.0,
"loan_term_years": 30,
"annual_cash_flow": 9848.49,
"mortgage_monthly": 452.41,
"payment_standard": 1518.0,
"total_amount_out": 17000.0,
"additional_photos": [
"https://ap.rdcpix.com/bd0af7dc18215daa5c7aaa26313d948dl-m390397703s-w1280.jpg",
"https://ap.rdcpix.com/bd0af7dc18215daa5c7aaa26313d948dl-m1292844385s-w1280.jpg",
"https://ap.rdcpix.com/bd0af7dc18215daa5c7aaa26313d948dl-m1466819004s-w1280.jpg",
"https://ap.rdcpix.com/bd0af7dc18215daa5c7aaa26313d948dl-m3490575497s-w1280.jpg",
"https://ap.rdcpix.com/bd0af7dc18215daa5c7aaa26313d948dl-m2562157321s-w1280.jpg",
"https://ap.rdcpix.com/bd0af7dc18215daa5c7aaa26313d948dl-m3773746175s-w1280.jpg",
"https://ap.rdcpix.com/bd0af7dc18215daa5c7aaa26313d948dl-m914734052s-w1280.jpg",
"https://ap.rdcpix.com/bd0af7dc18215daa5c7aaa26313d948dl-m3221176020s-w1280.jpg",
"https://ap.rdcpix.com/bd0af7dc18215daa5c7aaa26313d948dl-m2923263803s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 68.04,
"monthly_cash_flow": 820.71,
"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 a gas water heater, strongly implying the 'Central (HEAT)' system is also gas. Selected 'N'Gas: Graysville' as 'Graysville' is a relevant service area and it's the more expensive option consistent with the rules.",
"utility": "heating",
"allowance": 42
},
{
"note": "Property info lists an 'Electric Cooktop'. Selected 'Elec: Ala Power' as it is the primary provider for the Birmingham area.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Property info specifies a 'Gas Water Heater'. Selected 'N'Gas: Graysville' to be consistent with the heating fuel and provider choice.",
"utility": "water_heating",
"allowance": 36
},
{
"note": "Standard allowance for general tenant electric use (lights, outlets). Selected 'Lights, Ref, Etc.: Ala Power' as the logical provider for the area.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property info specifies 'Central Air' cooling. Selected 'A/C: Alabama Power' as the most common electric provider in the area.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property info states 'Public Water'. Selected 'Water: Birmingham' based on the property's address.",
"utility": "water",
"allowance": 78
},
{
"note": "Property info indicates the unit is 'Sewer: Connected'.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Standard tenant utility. Selected 'Jefferson City (Once per week)' as a general allowance for the county, as a more specific provider for the 'Forestdale' area is not explicitly listed.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "Property does not explicitly list a landlord-provided microwave, so this allowance for a tenant-owned microwave is included per instructions.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.58,
"down_payment_amount": 17000.0,
"property_tax_annual": 934.21,
"property_tax_monthly": 77.85,
"property_tax_increase": 0.03,
"utility_allowance_total": 444.0,
"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": 4419.62,
"property_management_monthly": 107.4,
"monthly_cash_flow_after_debt": 368.3,
"cash_on_cash_return_after_debt": 0.26
},
"section8_assessment": {
"runs": [
{
"summary": "This single-family ranch is close to turnkey for Section 8/NSPIRE tenancy. Photos show intact roofline, serviceable interior finishes (fresh paint, vinyl plank flooring), functional kitchen and bath fixtures, and appliances present. No visible severe safety or structural failures. Primary unknowns are electrical panel location/condition, confirmation of GFCI protection in kitchen, CO alarm presence (if required), and mechanical equipment ages (HVAC, water heater). With minor fixes (confirm/replace/relocate detectors as needed, install/verify GFCI, basic landscape cleanup, touch-up trim), the property is likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Interior appears recently painted and updated with new-looking vinyl plank flooring throughout; cabinets and counters in kitchen look serviceable and listing states appliances present (photos show stove and refrigerator). Bathroom fixtures present and intact. Minor cosmetic scuffs on walls and trim, some fixtures are older but functional. No visible collapsed ceilings, major flooring damage, or exposed structural elements. Overall only minor cosmetic and finish repairs anticipated."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 72.0,
"rationale": "Visible features supporting safety: interior shows at least one ceiling-mounted smoke detector, secure entry door with deadbolt, bedrooms have windows that appear adequate for egress, no exposed wiring or visible trip hazards in photos, and plumbing fixtures are present and appear operational. Unconfirmed items: no electrical panel shown, GFCI protection at kitchen counters not visible (could be non-GFCI), carbon monoxide detector not visible (may not be required if no gas appliances but stove may be electric). No signs of severe water intrusion, mold, or active roof leaks in images. These unknowns reduce score moderately."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 68.0,
"rationale": "Roof appears to be in good visual condition with intact shingles and no sagging visible from front exterior image. Ceiling vents visible indicating central HVAC ducting present; however equipment condition/age not shown. Kitchen and bath plumbing fixtures visible and appear intact; water heater not pictured. Electrical panel not shown. Appliances (range, refrigerator) present per photos/listing. Because major systems are present but their functional condition and age cannot be verified from photos, score reflects reasonable condition with moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and walkways",
"score": 75.0,
"rationale": "Exterior brick-and-siding front looks intact; foundation appears level with no visible major cracks or settling. Roofline appears straight. Property sits on a corner lot with a turnaround driveway and carport present. Yard is overgrown/leaf-covered but no standing water or severe erosion visible. Shrub overgrowth near windows should be trimmed. Walkways and entry steps present. Overall exterior maintenance moderate; no visible structural exterior failures."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Central HVAC exists and ducts/vents shown are connected to a working heating/cooling system; HVAC is operable but age/condition unknown.",
"Utilities (water, electricity, gas if present) will be on for inspection; plumbing provides hot water though water heater was not photographed.",
"Smoke detector visible in photos is functional; additional detectors or CO alarms may be required depending on local code and presence of gas appliances and will need verification/installation if missing.",
"Electrical panel and grounding are present and intact though not shown; no visible exposed wiring observed in photos.",
"GFCI protection at kitchen and bathroom countertop/receptacles could not be confirmed from photos and is assumed absent for risk scoring; installation would be an easy corrective item if required.",
"No evidence of major hidden structural or moisture problems in photos; however, because some areas (roof valleys, attic, behind walls) are not visible, some system issues could be discovered on full inspection.",
"Rental_history_activity was treated as a positive bonus. I applied a modest +5-point uplift to the weighted average of the four primary criteria to reflect recent rental activity/ongoing occupancy within last 5 years."
],
"overall_score": 79.0,
"rubric_version": "ns-preset-2026-01"
},
{
"summary": "Overall this single-family ranch presents as mostly turnkey for Section 8 with cosmetic freshness, intact finishes, appliances present, functioning-looking HVAC vents, and visible smoke detectors. Main risks are items not shown in photos: verification of CO alarm (if required), GFCI protection in kitchen/bath, functional HVAC and water heater, and the electrical panel condition. Expect a likely initial NSPIRE inspection pass after minor items (GFCI/CO installation if missing, basic yard cleanup, and minor cabinet/fixture touch-ups). Estimated time-to-rent readiness: under 30 days for a typical owner preparing for voucher tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos show a recently refreshed interior: new-looking vinyl plank floors, painted walls, intact trim and cabinetry. Kitchen has stove and refrigerator present (minor cabinet/under-sink base missing). Bathroom fixtures are present and appear serviceable. Exterior shows minor yard cleanup and overgrown shrubs but no visible major deterioration. Overall cosmetic/finish work only; no evidence of widespread deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 75.0,
"rationale": "Visible smoke detectors on ceiling in main areas. Bedrooms have windows that appear large enough for egress. No visible exposed wiring, broken stairs, collapsed ceilings, or active water stains/mold in photos. Entry door appears to have two locks (deadbolt likely present). Uncertainties that reduce score: carbon monoxide alarm not visible (required if fuel-burning appliances present), GFCI protection at kitchen/bath outlets not visible, electrical panel not shown. No life-threatening hazards observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Roof, Plumbing, Electrical)",
"score": 70.0,
"rationale": "Ceiling registers and a ceiling fan indicate central HVAC is present; functionality not verified in photos. Roof shingles appear intact from front elevation (no visible sag or missing areas). Plumbing fixtures (sink, toilet, tub/shower) are present with no visible leaks; water heater not shown. Electrical panel not visible. Score reduced because operational status of HVAC, water heater, and electrical distribution cannot be confirmed from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Single-story ranch on a corner lot with a carport/turnaround driveway; front roofline and siding appear sound. Yard is overgrown with leaves and shrubs need trimming; no obvious standing water, major erosion, foundation separation, or exterior structural damage visible. Minor site cleanup and landscape work recommended for curb appeal and safety (trim back shrubs from windows/egress)."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Kitchen range is electric (no visible gas lines); if gas appliances/water heater exist, carbon monoxide alarm may be required.",
"HVAC system is present and connected (ceiling vents visible) but not pressure/operation tested in photos.",
"Water heater exists in the home and provides hot water; not visible in photos.",
"Electrical panel and service appear intact but were not photographed; assume no visible external signs of unsafe electrical conditions.",
"No active roof leaks or concealed water intrusion since ceilings show no stains or sagging.",
"Smoke detectors pictured are functional and properly installed (hardwired or with fresh batteries).",
"No severe hidden mold, termite damage, or foundation movement beyond what is visible in exterior photos."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This single-family ranch appears largely rent-ready with a recent cosmetic refresh, functioning kitchen appliances shown, intact bathroom, and no visible structural or life-safety failures in the photos. Primary NSPIRE uncertainties are items that cannot be confirmed from images (CO alarm presence if required, GFCI protection, deadbolt, electrical panel condition, and verification of HVAC and hot water operation). With quick on-site verification and installation of any missing detectors/GFCI and minor exterior/finish touch-ups, the property is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic refresh: clean white paint and new-looking vinyl plank flooring throughout. Kitchen has cabinets, countertop, sink, and both refrigerator and range present per listing/photos. Bathroom fixtures (vanity, toilet, tile surround) are intact with no visible damage. Minor scuffs, a missing cabinet kick/cover under the kitchen sink, and some landscaping/curb appeal work are visible but are easy cosmetic or capital repairs. No visible collapsed ceilings, large holes, or extensive water damage."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "A ceiling smoke detector is visible in the living/kitchen area which is positive. No obvious exposed wiring, loose guardrails, or major trip hazards are visible. Windows in bedrooms appear full-size and likely provide egress. Entry door has a standard lockset; a deadbolt is not clearly visible in photos. Carbon monoxide alarm is not visible (conditionally required if fuel-burning appliances present). GFCI outlets near the sink are not visible in photos. No visible mold, active leaks, or severe peeling paint. Because several required items (CO alarm, GFCI, deadbolt) cannot be confirmed from photos, there is moderate NSPIRE risk until verified on-site."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 70.0,
"rationale": "Supply/return vents visible in rooms indicate central HVAC and ductwork is present; unit condition and operation are not shown. Roof appears recently shingled and flat without visible sagging or missing shingles in the provided exterior photo. Water heater, electrical panel, and furnace/air handler are not shown so their condition is unknown. Plumbing fixtures appear intact and functional with no visible leaks. Based on visible finishes and vents, major systems are likely present and in serviceable condition but require on-site verification (hot water, HVAC operation, serviceable electrical panel)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Exterior photos show a brick foundation with vinyl siding above, a covered carport/driveway turnaround, and a generally level yard. No visible foundation cracks, major siding damage, or standing water were noted in the photos. Shrubbery is overgrown in places and front steps/porch have no visible handrail; yard cleanup and minor grading/landscaping likely needed. Windows look intact but the large front window glass appears dirty/streaked (cosmetic)."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"The visible ceiling vents indicate a central HVAC system that is present and operable, although the mechanical equipment itself was not photographed.",
"The stove shown is electric (no visible gas piping) so a CO alarm may not be required by jurisdiction, but presence/requirement should be verified locally.",
"No major unseen plumbing or electrical defects exist behind finished walls; no visible water stains or bulging ceilings were observed to indicate active leaks.",
"Windows in each bedroom provide adequate egress based on size seen in photographs.",
"The front entry has a standard lockset; a single deadbolt may be present but is not clearly visible in photos and should be confirmed on-site.",
"GFCI protection in kitchen and bathroom outlets was not visible in photos and is assumed absent until verified.",
"Roof is assumed in good condition based on visible shingles and lack of staining or sagging in the single exterior image."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1500 Cherry Ave, Birmingham, AL, 35214",
"aggregate": {
"summary": "This single-family ranch is close to turnkey for Section 8/NSPIRE tenancy. Photos show intact roofline, serviceable interior finishes (fresh paint, vinyl plank flooring), functional kitchen and bath fixtures, and appliances present. No visible severe safety or structural failures. Primary unknowns are electrical panel location/condition, confirmation of GFCI protection in kitchen, CO alarm presence (if required), and mechanical equipment ages (HVAC, water heater). With minor fixes (confirm/replace/relocate detectors as needed, install/verify GFCI, basic landscape cleanup, touch-up trim), the property is likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 81.7,
"rationale": "Interior appears recently painted and updated with new-looking vinyl plank flooring throughout; cabinets and counters in kitchen look serviceable and listing states appliances present (photos show stove and refrigerator). Bathroom fixtures present and intact. Minor cosmetic scuffs on walls and trim, some fixtures are older but functional. No visible collapsed ceilings, major flooring damage, or exposed structural elements. Overall only minor cosmetic and finish repairs anticipated."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and walkways",
"score": 73.3,
"rationale": "Exterior brick-and-siding front looks intact; foundation appears level with no visible major cracks or settling. Roofline appears straight. Property sits on a corner lot with a turnaround driveway and carport present. Yard is overgrown/leaf-covered but no standing water or severe erosion visible. Shrub overgrowth near windows should be trimmed. Walkways and entry steps present. Overall exterior maintenance moderate; no visible structural exterior failures."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 72.3,
"rationale": "Visible features supporting safety: interior shows at least one ceiling-mounted smoke detector, secure entry door with deadbolt, bedrooms have windows that appear adequate for egress, no exposed wiring or visible trip hazards in photos, and plumbing fixtures are present and appear operational. Unconfirmed items: no electrical panel shown, GFCI protection at kitchen counters not visible (could be non-GFCI), carbon monoxide detector not visible (may not be required if no gas appliances but stove may be electric). No signs of severe water intrusion, mold, or active roof leaks in images. These unknowns reduce score moderately."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 69.3,
"rationale": "Roof appears to be in good visual condition with intact shingles and no sagging visible from front exterior image. Ceiling vents visible indicating central HVAC ducting present; however equipment condition/age not shown. Kitchen and bath plumbing fixtures visible and appear intact; water heater not pictured. Electrical panel not shown. Appliances (range, refrigerator) present per photos/listing. Because major systems are present but their functional condition and age cannot be verified from photos, score reflects reasonable condition with moderate uncertainty."
}
],
"red_flags": [],
"confidence": 0.9,
"assumptions": [
"Central HVAC exists and ducts/vents shown are connected to a working heating/cooling system; HVAC is operable but age/condition unknown.",
"Utilities (water, electricity, gas if present) will be on for inspection; plumbing provides hot water though water heater was not photographed.",
"Smoke detector visible in photos is functional; additional detectors or CO alarms may be required depending on local code and presence of gas appliances and will need verification/installation if missing.",
"Electrical panel and grounding are present and intact though not shown; no visible exposed wiring observed in photos.",
"GFCI protection at kitchen and bathroom countertop/receptacles could not be confirmed from photos and is assumed absent for risk scoring; installation would be an easy corrective item if required.",
"No evidence of major hidden structural or moisture problems in photos; however, because some areas (roof valleys, attic, behind walls) are not visible, some system issues could be discovered on full inspection.",
"Rental_history_activity was treated as a positive bonus. I applied a modest +5-point uplift to the weighted average of the four primary criteria to reflect recent rental activity/ongoing occupancy within last 5 years."
],
"score_method": "mean_of_criteria",
"overall_score": 74.8,
"rubric_version": "ns-preset-2026-01",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7556087230"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.