Property ID: 7578877540
200 Center St, Bessemer, AL, 35020
Bessemer, AL
Money Down: $24,000
CoC Return: 7.64%
Monthly Cash Flow: $153
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,000
Closing Costs
$4,000
Total Down
$24,000
Investment Snapshot
Purchase Price
$100,000
Money Down
$24,000
Cash-on-Cash Return
7.64%
Rent
$1,005
Monthly Cash Flow
$153
Annual Cash Flow
$1,832
Debt Service / Mo
$532
Property Tax / Mo
$140
Insurance / Mo
$79
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,005
Payment Standard
$1,419
Rent
$1,005
Insurance
$79
Property Tax
$140
Management
$100
Utilities Allowance
$414
NOI (Monthly)
$685
Debt Service
$532
Cash Flow After Debt
$153
Quality Score: 66.50%
Confidence: 95.00%
Overall the property appears mostly rent-ready with cosmetic exterior work and verification of mechanicals needed. Interior photos show a clean, updated living space and adequate egress; primary near-term items for an initial HCV/NSPIRE inspection are exterior paint/porch repairs, addressing driveway trip hazards, adding/verifying required detectors (smoke and CO where required) and GFCI protection, and confirming HVAC/electrical/plumbing are operational. Likely rent-ready within 30 days after minor repairs and mechanical verifications.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$414
Guaranteed Section 8 Rent (PS - Utilities)
$1,005
Property Management
$100
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$100,000
Beds
3
Baths
1.5
Living Area
1,826 sqft
Lot Size
27,878 sqft
Year Built
1950
Days on Market
38
Capital Outlay
$24,000
Debt Service
$532
Property Tax / Mo
$140
Insurance / Mo
$79
Property Description
Three-bedroom, one-and-a-half-bath home offering a traditional layout with comfortable living spaces throughout. The kitchen provides ample cabinet and counter space and connects easily to the dining area. Durable flooring and neutral finishes make this home a solid foundation for personalization or improvement. The property sits on a large lot with mature trees and off-street parking. Conveniently located near downtown Bessemer, schools, shopping, and major roadways, this home combines accessibility with everyday functionality.
Utility Allowances
Heating
$67
Property has central heating and is located in Bessemer. Electric was chosen as the more expensive option since the fuel type was not specified.
Cooling
$15
Property has central air conditioning and is located in Bessemer.
Water Heating
$37
Property has an electric water heater and is located in Bessemer.
Cooking
$14
Fuel type for cooking is not specified; electric is assumed. The property is located in Bessemer.
Other Electric
$48
Standard allowance for lights, dishwasher, and other general electric use for a property in Bessemer.
Water
$68
Property is on public water and is located in Bessemer.
Sewer
$151
Inferred public sewer from public water connection. The allowance is a fixed rate from the schedule for a 3-bedroom unit.
Trash Collection
$0
The property is located in Bessemer, for which the schedule specifies a $0 tenant allowance.
Refrigerator
$8
A refrigerator is not explicitly listed as provided with the property, so it is treated as a tenant expense.
Range/Microwave
$6
A microwave is not explicitly listed as provided with the property, so it is treated as a tenant expense.
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$779
DP3 Annual Estimate$1,122
DP1 Monthly Equivalent$65
DP3 Monthly Equivalent$94
Replacement Value$111,600
Basis1,826 sqft / 1950
Nearby Houses
Photo unavailable
211 Center St
sold · 0.03 mi
Price: $6,000
3 bd / 1 ba
Latest sale: $6,000 on Mar 22, 2016
Latest rent: —
Photo unavailable
310 Norwood Ave
sold · 0.04 mi
Price: $27,000
3 bd / 1 ba · 984 sqft
Latest sale: $27,000 on Aug 13, 2019
Latest rent: $1,050 on Feb 15, 2026
Photo unavailable
300 Ash Ave
sold · 0.08 mi
Price: $214,500
8 bd / 3 ba · 4,816 sqft
Latest sale: $214,500 on Jun 04, 2021
Latest rent: —
Photo unavailable
28 Martin St
sold · 0.10 mi
Price: $24,000
2 bd / 1 ba · 952 sqft
Latest sale: $24,000 on Jan 30, 2025
Latest rent: —
Photo unavailable
329 Roland Ave
sold · 0.10 mi
Price: $80,000
3 bd / 2 ba · 1,358 sqft
Latest sale: $80,000 on Jun 20, 2019
Latest rent: —
Photo unavailable
326 Ash Ave
sold · 0.11 mi
Price: $30,000
2 bd / 1 ba
Latest sale: $30,000 on Aug 18, 2021
Latest rent: —
Photo unavailable
29 Martin St
sold · 0.12 mi
Price: $71,500
3 bd / 1 ba · 1,022 sqft
Latest sale: $71,500 on Sep 13, 2021
Latest rent: $995 on Dec 23, 2024
Risk and Criteria Detail
Red Flags
- success
- Peeling exterior paint on a house built in 1950 — potential lead-paint hazard until tested/abated.
- Cracked and uneven driveway and porch surfaces — trip hazards that could fail NSPIRE walk/egress checks.
- Vegetation close to foundation and under carport — drainage/pest risk that may require remediation.
- No mechanical equipment (HVAC/furnace/water heater/electrical panel) shown — must be verified operational before passing.
Assumptions
- Interior staging is virtual; underlying surfaces shown (floors, paint) reflect recent work rather than furnishings.
- Kitchen and bathroom fixtures exist and are functional (listing references kitchen cabinets/counters) though not shown in photos.
- Major mechanicals (HVAC, water heater, electrical service) are present but not pictured; assumed functional but require verification.
- Roof is intact as visible in exterior photos; no active leaks inferred from ceiling photos which show no stains.
- No evidence of active infestation or major hidden structural movement was visible; photos limited to selective angles.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,635 | $119,000 | $23,800 |
| 2023 | $1,635 | $119,000 | $23,800 |
| 2022 | $1,555 | $113,200 | $22,640 |
| 2021 | $949 | $69,100 | $13,820 |
| 2020 | $422 | $69,100 | $13,820 |
| 2019 | $422 | $69,100 | $6,920 |
| 2018 | $342 | $57,600 | $5,760 |
| 2017 | $888 | $64,700 | $12,940 |
| 2016 | $888 | $64,700 | $12,940 |
| 2015 | $888 | $64,700 | $12,940 |
| 2013 | $957 | $68,600 | $13,720 |
| 2010 | $255 | $74,800 | $6,500 |
| 2009 | $322 | $85,600 | $7,360 |
| 2008 | $345 | $89,400 | $7,740 |
| 2007 | $952 | $68,200 | $13,640 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-05-03 | Sold | $115,000 |
| 2020-10-06 | Sold | $98,500 |
| 2020-05-13 | Sold | $32,600 |
| 2013-02-05 | Sold | $11,745 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-04-26 | Listed for rent | $1,195 | — |
| 2024-02-15 | Listed for rent | $1,240 | — |
| 2023-01-18 | Listed for rent | $1,190 | — |
| 2022-10-21 | Listed for rent | $1,245 | — |
| 2020-10-03 | Listed for rent | $950 | — |
Photo Gallery
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1315826",
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},
{
"date": "2021-04-13",
"price": 950,
"listing": {
"status": "off_market",
"list_date": "2021-04-13T15:12:27Z",
"list_price": 950,
"listing_id": "2922042836",
"last_update_date": "2020-12-03T13:46:03Z",
"last_status_change_date": "2021-04-13T15:12:27Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "897495",
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},
{
"date": "2020-10-06",
"price": 98500,
"listing": {
"status": "sold",
"list_date": "2021-01-26T02:48:16Z",
"list_price": 98500,
"listing_id": "2922191943",
"last_update_date": "2020-10-08T12:17:38Z",
"last_status_change_date": "2021-01-26T02:48:16Z"
},
"event_name": "Sold",
"price_sqft": 80.936729663106,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "897967",
"price_change_percentage": null
},
{
"date": "2020-05-13",
"price": 32600,
"listing": null,
"event_name": "Sold",
"price_sqft": 13.393590797041906,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
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"price_change_percentage": null
},
{
"date": "2017-07-28",
"price": 32640,
"listing": null,
"event_name": "Sold",
"price_sqft": 13.410024650780608,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
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},
{
"date": "2013-02-05",
"price": 37000,
"listing": null,
"event_name": "Sold",
"price_sqft": 15.201314708299096,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "+85.93%"
},
{
"date": "2012-12-21",
"price": 14900,
"listing": {
"status": "off_market",
"list_date": "2012-10-11T07:00:00Z",
"list_price": 14900,
"listing_id": "557188939",
"last_update_date": "2012-12-22T06:22:00Z",
"last_status_change_date": "2012-12-22T06:22:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "71 days",
"source_listing_id": "545178",
"price_change_percentage": null
},
{
"date": "2012-12-07",
"price": 14900,
"listing": {
"status": "off_market",
"list_date": "2012-10-11T07:00:00Z",
"list_price": 14900,
"listing_id": "557188939",
"last_update_date": "2012-12-22T06:22:00Z",
"last_status_change_date": "2012-12-22T06:22:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -2000,
"days_after_listed": null,
"source_listing_id": "545178",
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},
{
"date": "2012-12-03",
"price": 16900,
"listing": {
"status": "off_market",
"list_date": "2012-10-11T07:00:00Z",
"list_price": 14900,
"listing_id": "557188939",
"last_update_date": "2012-12-22T06:22:00Z",
"last_status_change_date": "2012-12-22T06:22:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -3000,
"days_after_listed": null,
"source_listing_id": "545178",
"price_change_percentage": null
},
{
"date": "2012-10-11",
"price": 19900,
"listing": {
"status": "off_market",
"list_date": "2012-10-11T07:00:00Z",
"list_price": 14900,
"listing_id": "557188939",
"last_update_date": "2012-12-22T06:22:00Z",
"last_status_change_date": "2012-12-22T06:22:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "545178",
"price_change_percentage": "-76.59%"
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{
"date": "2007-09-20",
"price": 85000,
"listing": {
"status": "sold",
"list_date": "2007-06-21T07:00:00Z",
"list_price": 85000,
"listing_id": "542208759",
"last_update_date": "2007-09-26T22:31:31Z",
"last_status_change_date": "2007-09-20T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "91 days",
"source_listing_id": "345330",
"price_change_percentage": "$0"
},
{
"date": "2007-06-21",
"price": 85000,
"listing": {
"status": "sold",
"list_date": "2007-06-21T07:00:00Z",
"list_price": 85000,
"listing_id": "542208759",
"last_update_date": "2007-09-26T22:31:31Z",
"last_status_change_date": "2007-09-20T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "345330",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7578877540",
"generated_at": "2026-02-16T01:45:57.014814Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.5
},
"utility_allowance": {
"zip_code": "35020",
"home_photo": "https://ap.rdcpix.com/ccc1ed688c8b421a692b602b73f948d8l-m3833835094s-w1280.jpg",
"rent_price": 1005.0,
"loan_amount": 80000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/200-Center-St_Bessemer_AL_35020_M75788-77540",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 100000.0,
"loan_term_years": 30,
"annual_cash_flow": 8219.45,
"mortgage_monthly": 532.24,
"payment_standard": 1419.0,
"total_amount_out": 20000.0,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 79.21,
"monthly_cash_flow": 684.95,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating and is located in Bessemer. Electric was chosen as the more expensive option since the fuel type was not specified.",
"utility": "Heating",
"allowance": 67
},
{
"note": "Property has central air conditioning and is located in Bessemer.",
"utility": "Cooling",
"allowance": 15
},
{
"note": "Property has an electric water heater and is located in Bessemer.",
"utility": "Water Heating",
"allowance": 37
},
{
"note": "Fuel type for cooking is not specified; electric is assumed. The property is located in Bessemer.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Standard allowance for lights, dishwasher, and other general electric use for a property in Bessemer.",
"utility": "Other Electric",
"allowance": 48
},
{
"note": "Property is on public water and is located in Bessemer.",
"utility": "Water",
"allowance": 68
},
{
"note": "Inferred public sewer from public water connection. The allowance is a fixed rate from the schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is located in Bessemer, for which the schedule specifies a $0 tenant allowance.",
"utility": "Trash Collection",
"allowance": 0
},
{
"note": "A refrigerator is not explicitly listed as provided with the property, so it is treated as a tenant expense.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not explicitly listed as provided with the property, so it is treated as a tenant expense.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.41,
"down_payment_amount": 20000.0,
"property_tax_annual": 1684.05,
"property_tax_monthly": 140.34,
"property_tax_increase": 0.03,
"utility_allowance_total": 414.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 1832.55,
"property_management_monthly": 100.5,
"monthly_cash_flow_after_debt": 152.71,
"cash_on_cash_return_after_debt": 0.09
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears mostly rent-ready with cosmetic exterior work and verification of mechanicals needed. Interior photos show a clean, updated living space and adequate egress; primary near-term items for an initial HCV/NSPIRE inspection are exterior paint/porch repairs, addressing driveway trip hazards, adding/verifying required detectors (smoke and CO where required) and GFCI protection, and confirming HVAC/electrical/plumbing are operational. Likely rent-ready within 30 days after minor repairs and mechanical verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently renovated (fresh paint, new-looking vinyl plank flooring, functioning interior doors). Visible deferred maintenance is mostly cosmetic: porch floor paint peeling, some exterior siding damage, and a heavily cracked driveway. No obvious collapsed finishes or exposed subfloor. Missing kitchen/bath photos prevent direct appliance checks but listing indicates an intact kitchen. Overall repair needs are minor-to-moderate and largely cosmetic/capital work."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk (NSPIRE)",
"score": 65.0,
"rationale": "A smoke detector is visible in interior photos (ceiling). Bedrooms show adequate egress windows. No exposed wiring or collapsed ceilings were observed. However: GFCI outlets in kitchen/baths are not visible, CO detector is not observed, a deadbolt on the entry door is not clearly visible, and the cracked driveway and some porch surface deterioration present trip hazards. The house was built in 1950 and exterior paint is peeling which raises a possible lead-paint risk until tested. These items create several inspection/repair points but no immediately life-threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 60.0,
"rationale": "Roof appears intact (metal roofing visible) with no sag or obvious leak indicators in photos. Major systems (HVAC equipment, water heater, electrical panel) are not shown. Interior condition suggests recent work but lack of visible HVAC/heater and no shown mechanical spaces introduces uncertainty. Assume systems are present but may need verification/servicing—this is a moderate inspection risk until mechanicals are confirmed operational."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large lot with mature trees and off-street covered parking; generally usable site. Noted concerns: significant driveway cracking (trip hazard), vegetation close to the foundation/under carport which can affect drainage and pest risk, peeling paint on porch/siding, and thin metal carport posts (appear serviceable but should be checked for stability). No standing water or major foundation displacement is visible in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years) - bonus-only",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Peeling exterior paint on a house built in 1950 — potential lead-paint hazard until tested/abated.",
"Cracked and uneven driveway and porch surfaces — trip hazards that could fail NSPIRE walk/egress checks.",
"Vegetation close to foundation and under carport — drainage/pest risk that may require remediation.",
"No mechanical equipment (HVAC/furnace/water heater/electrical panel) shown — must be verified operational before passing."
],
"confidence": 0.65,
"assumptions": [
"Interior staging is virtual; underlying surfaces shown (floors, paint) reflect recent work rather than furnishings.",
"Kitchen and bathroom fixtures exist and are functional (listing references kitchen cabinets/counters) though not shown in photos.",
"Major mechanicals (HVAC, water heater, electrical service) are present but not pictured; assumed functional but require verification.",
"Roof is intact as visible in exterior photos; no active leaks inferred from ceiling photos which show no stains.",
"No evidence of active infestation or major hidden structural movement was visible; photos limited to selective angles."
],
"overall_score": 68.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears cosmetically updated inside and likely rentable with minor repairs and verification of mechanical/safety systems. Based on photos and listing, this home is in the 'minor repairs' band (score 61-80) — likely rent-ready within ~30 days after addressing exterior concrete/paint, confirming/installing missing detectors (CO/GFCI where required), verifying HVAC and water heater operation, and addressing any missing appliances. Major structural or life‑threatening hazards are not evident in the images but important mechanical items were not shown and should be verified before inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Interior photos show recent cosmetic work (fresh paint, new-looking LVP flooring, flush-mounted ceiling lights). Virtual staging may hide some issues but visible surfaces are clean. Exterior shows cracked driveway, peeling/old porch concrete paint, and worn exterior paint/trim that will need minor repair and painting. Missing appliances are not visible in photos; absence of a stove/fridge would be a moderate, addressable item but not a catastrophic fail. Overall mostly cosmetic and minor repair items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 68.0,
"rationale": "A hardwired/ceiling smoke detector is visible in a bedroom which is positive. Windows in bedrooms appear to be full-size double-hung likely providing egress. No exposed wiring or obvious electrical hazards are visible; entry has a lock. However key NSPIRE items are not visible in photos: carbon monoxide detector (if required), GFCI protection in kitchen/bath, hot water presence, and the electrical panel condition. Porch has handrails on steps. Because several required items cannot be confirmed from images, a moderate deduction is applied though no immediate life‑threatening hazards are observed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 60.0,
"rationale": "Roof appears to be metal and visually intact in exterior photos (no obvious sag or missing areas). Interior shows working ceiling lights but no visible HVAC equipment, vents, water heater, or electrical panel in the provided images. Home built in 1950 so mechanicals could be older; recent cosmetic updates lower risk but mechanicals are unverified. Because systems could require servicing or replacement and cannot be confirmed, score is conservative (moderate risk)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 66.0,
"rationale": "Large lot with mature trees and off-street covered parking (carport). Carport concrete is cracked and support posts are thin but standing. Exterior siding and trim show wear and need repainting/maintenance. Vegetation is close to the foundation on the side which can create drainage/maintenance issues. No visible major foundation movement or collapsed elements in photos, but driveway and porch surfaces need attention."
},
{
"key": "rental_history_activity",
"label": "Recent 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": [
"Interior photos are recent and accurately depict current interior condition (photos are virtually staged but subfloor/wall/ceiling condition shown is representative).",
"Appliances (stove, refrigerator) are not visible in provided photos; absence would be a moderate fix but not assumed to be a safety issue unless utility connections are unsafe.",
"Roof is assumed intact based on exterior photos (no visible sagging or missing large areas).",
"HVAC, water heater, and electrical panel exist but their operational status is unknown; scoring assumes average working condition pending verification.",
"GFCI protection in kitchen/bath and carbon monoxide detectors are not visible in images and are therefore treated as unknowns that reduce safety score.",
"No obvious active interior water intrusion, mold, or severe structural damage was visible in photos; a thorough interior inspection could reveal concealed issues.",
"Built in 1950 — potential lead-based paint risk exists but no peeling lead-like paint was evident in photos; lead risk would require testing/remediation if confirmed.",
"Vegetation close to foundation may create drainage or pest risk; assume moderate maintenance needed."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "The home appears structurally sound with fresh interior finishes and recent occupancy history, making it generally close to rent-ready. Visible issues that could block a Housing Choice Voucher/NSPIRE initial inspection are peeling exterior paint on a pre-1978 house (lead-risk), missing/unknown CO detector, and driveway/trip-hazard cracks. Major systems (HVAC, water heater, electrical panel) are not shown but rental history and clean interiors suggest they are likely functional; on-site verification is required. With lead-paint mitigation/encapsulation or repainting, installation/verification of detectors, minor exterior repairs, and verification of mechanical systems, the property should be able to pass an initial voucher inspection within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates (fresh paint, new-looking laminate floors, functioning ceiling lights). Visible deferred maintenance is mostly exterior: peeling/ flaking paint on porch trim and siding, worn porch floor paint, and a cracked driveway with surface spalling. Kitchen appliances are not shown in photos (listing references kitchen but no stove/fridge pictured) — missing appliances would be a moderate add-on cost. These are mostly cosmetic/medium-effort repairs rather than structural failures, so overall condition is good with mostly finish-level work required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 45.0,
"rationale": "A smoke detector is visible on a bedroom wall (positive). However the house was built in 1950 and multiple photos show peeling/flaking exterior paint at the porch and window trim — an accessible peeling painted surface on a pre-1978 home is a potential lead-based paint hazard and an immediate NSPIRE safety risk unless abated/encapsulated. Carbon monoxide detectors are not visible in photos. Front entry hardware shows a knob but no visible high-security deadbolt in photos. No exposed wiring observed in the interior photos. Egress windows in bedrooms appear adequate. Cracked concrete on the walkway/driveway presents a trip hazard. Taken together the visible peeling paint and missing/unknown CO detector and deadbolt create a moderate-to-high NSPIRE risk that will likely need mitigation prior to passing a voucher inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "Major systems are not shown directly. Exterior roof and dormer appear intact with no visible sagging or active leaks in photos; roof looks serviceable. Interior shows finished ceilings with no visible stains (no evidence of active leaks). Heating/cooling equipment, water heater, and electrical panel are not visible in provided photos — listing/rental history suggests the property was recently occupied and cosmetically updated, implying systems are likely functional but older given 1950 build. Because systems are unknown but there are no red-flag signs of failure in photos, score reflects moderate confidence but notes the need to verify HVAC operation, water heater, hot water availability, and electrical panel condition on-site."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Lot is large with mature trees and off-street parking as advertised. The covered carport and porch are intact; carport support posts appear thin metal but standing. Multiple photos show cracking and spalling of the driveway and a worn concrete walkway/porch surface. Vegetation and brush along the right-side carport area is overgrown and should be trimmed to reduce pest risk and improve drainage. Siding and trim have areas of peeling paint. Foundation appears to be brick with visible vents and no obvious major settlement or large foundation cracks in photos. Overall the site is usable but needs localized repairs and cleanup."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Visible peeling/flaking exterior paint on a pre-1978 home — potential lead-based paint hazard requiring abatement/encapsulation (NSPIRE fail if not addressed).",
"No carbon monoxide detector visible in photo set (CO detector required where applicable).",
"No clearly visible deadbolt on front entry in photos (could be cited as inadequate exterior door security).",
"Cracked/spalled driveway and walkway create trip hazards that should be repaired.",
"Vegetation/brush adjacent to carport and foundation could conceal pests and create drainage/moisture issues — needs cleanup."
],
"confidence": 0.6,
"assumptions": [
"Interior photos are recent and accurately represent current interior condition.",
"The property was built in 1950, so original paint is likely lead-based unless previously remediated; visible peeling exterior paint is treated as a lead-risk until proven otherwise.",
"Major mechanical equipment (HVAC, water heater, electrical panel) exist and are functional but were not photographed — their condition is assumed serviceable based on recent occupancy and cosmetic renovations.",
"Kitchen appliances (stove, refrigerator) are not visible; assume they may be absent or are not shown — missing appliances would be a moderate, not catastrophic, inspection issue.",
"No active roof leaks or structural sagging are present because there are no visible interior ceiling stains or roof damage in exterior photos.",
"No obvious large foundation movement is present because brick foundation appears level in photos; small unseen issues could exist."
],
"overall_score": 69.0,
"rubric_version": "ns-pg-2026-1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "200 Center St, Bessemer, AL, 35020",
"aggregate": {
"summary": "Overall the property appears mostly rent-ready with cosmetic exterior work and verification of mechanicals needed. Interior photos show a clean, updated living space and adequate egress; primary near-term items for an initial HCV/NSPIRE inspection are exterior paint/porch repairs, addressing driveway trip hazards, adding/verifying required detectors (smoke and CO where required) and GFCI protection, and confirming HVAC/electrical/plumbing are operational. Likely rent-ready within 30 days after minor repairs and mechanical verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Interior appears recently renovated (fresh paint, new-looking vinyl plank flooring, functioning interior doors). Visible deferred maintenance is mostly cosmetic: porch floor paint peeling, some exterior siding damage, and a heavily cracked driveway. No obvious collapsed finishes or exposed subfloor. Missing kitchen/bath photos prevent direct appliance checks but listing indicates an intact kitchen. Overall repair needs are minor-to-moderate and largely cosmetic/capital work."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.3,
"rationale": "Large lot with mature trees and off-street covered parking; generally usable site. Noted concerns: significant driveway cracking (trip hazard), vegetation close to the foundation/under carport which can affect drainage and pest risk, peeling paint on porch/siding, and thin metal carport posts (appear serviceable but should be checked for stability). No standing water or major foundation displacement is visible in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years) - bonus-only",
"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 Risk (NSPIRE)",
"score": 59.3,
"rationale": "A smoke detector is visible in interior photos (ceiling). Bedrooms show adequate egress windows. No exposed wiring or collapsed ceilings were observed. However: GFCI outlets in kitchen/baths are not visible, CO detector is not observed, a deadbolt on the entry door is not clearly visible, and the cracked driveway and some porch surface deterioration present trip hazards. The house was built in 1950 and exterior paint is peeling which raises a possible lead-paint risk until tested. These items create several inspection/repair points but no immediately life-threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 61.7,
"rationale": "Roof appears intact (metal roofing visible) with no sag or obvious leak indicators in photos. Major systems (HVAC equipment, water heater, electrical panel) are not shown. Interior condition suggests recent work but lack of visible HVAC/heater and no shown mechanical spaces introduces uncertainty. Assume systems are present but may need verification/servicing—this is a moderate inspection risk until mechanicals are confirmed operational."
}
],
"red_flags": [
"Peeling exterior paint on a house built in 1950 — potential lead-paint hazard until tested/abated.",
"Cracked and uneven driveway and porch surfaces — trip hazards that could fail NSPIRE walk/egress checks.",
"Vegetation close to foundation and under carport — drainage/pest risk that may require remediation.",
"No mechanical equipment (HVAC/furnace/water heater/electrical panel) shown — must be verified operational before passing."
],
"confidence": 0.95,
"assumptions": [
"Interior staging is virtual; underlying surfaces shown (floors, paint) reflect recent work rather than furnishings.",
"Kitchen and bathroom fixtures exist and are functional (listing references kitchen cabinets/counters) though not shown in photos.",
"Major mechanicals (HVAC, water heater, electrical service) are present but not pictured; assumed functional but require verification.",
"Roof is intact as visible in exterior photos; no active leaks inferred from ceiling photos which show no stains.",
"No evidence of active infestation or major hidden structural movement was visible; photos limited to selective angles."
],
"score_method": "mean_of_criteria",
"overall_score": 66.5,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7578877540"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.