Property ID: 7581230369
534 1st St, Graysville, AL, 35073
Graysville, AL
Money Down: $21,360
CoC Return: 28.89%
Monthly Cash Flow: $514
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,800
Closing Costs
$3,560
Total Down
$21,360
Investment Snapshot
Purchase Price
$89,000
Money Down
$21,360
Cash-on-Cash Return
28.89%
Rent
$1,220
Monthly Cash Flow
$514
Annual Cash Flow
$6,171
Debt Service / Mo
$474
Property Tax / Mo
$61
Insurance / Mo
$49
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,220
Payment Standard
$1,518
Rent
$1,220
Insurance
$49
Property Tax
$61
Management
$122
Utilities Allowance
$298
NOI (Monthly)
$988
Debt Service
$474
Cash Flow After Debt
$514
Quality Score: 66.00%
Confidence: 95.00%
This 3BR/1BA brick home appears structurally intact and largely cosmetically serviceable. Interior flooring and finishes are in fair-good condition and the roof and exterior brick look solid. Several code-critical items (smoke/CO coverage in all sleeping areas, GFCI outlets, appliance presence, hot-water supply and HVAC operation) are not documented in the photos. Expect a moderate probability of passing an initial HCV/NSPIRE inspection after verifying/repairing those items and completing reasonable cosmetic/maintenance tasks (cleaning yard, minor paint/trim, door hardware). Estimated time to rent-readiness: 1-4 weeks if systems functional; up to 30-60 days if mechanical work or appliance installation is required.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$298
Guaranteed Section 8 Rent (PS - Utilities)
$1,220
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$89,000
Beds
3
Baths
1
Living Area
974 sqft
Lot Size
17,424 sqft
Year Built
1948
Days on Market
20
Capital Outlay
$21,360
Debt Service
$474
Property Tax / Mo
$61
Insurance / Mo
$49
Property Description
Foreclosure 4 sided brick home with detached garage 3 bedroom 1 bath on a level lot
Utility Allowances
heating
$42
Property is in Graysville and listing states 'No Heat', implying tenant responsibility. Natural Gas for Graysville is selected as a common and specifically listed fuel source in the schedule.
cooling
$22
Property listing states 'No Air', so tenant is responsible for cooling. Alabama Power is the primary electric provider and this allowance covers tenant-provided units (e.g., window A/C).
cooking
$16
No range is provided. Natural Gas for Graysville is selected, consistent with the heating fuel choice.
water_heating
$36
Fuel type is not specified. Natural Gas for Graysville is selected, consistent with the heating fuel choice.
water
$100
Property has public water. The schedule includes a specific allowance for 'Water: Graysville'.
sewer
$0
Property has a septic tank, eliminating the need for a monthly public sewer utility payment.
trash_collection
$0
The utility schedule for Graysville Inside City Limits (ISCL) specifies a $0 allowance for trash service.
other_electric
$68
Covers general electricity for lights and outlets. Based on the rate for Alabama Power, the local provider.
refrigerator
$8
Refrigerator is not listed as a provided appliance, so the tenant-owned allowance is applied.
range_microwave
$6
Range/Microwave are not listed as provided appliances, so the tenant-owned allowance is applied.
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$461
DP3 Annual Estimate$725
DP1 Monthly Equivalent$38
DP3 Monthly Equivalent$60
Replacement Value$43,600
Basis974 sqft / 1948
Nearby Houses
Photo unavailable
546 SW 1st St
sold · 0.02 mi
Price: $132,000
3 bd / 2 ba · 1,290 sqft
Latest sale: $132,000 on Jun 28, 2021
Latest rent: —
Photo unavailable
558 1st St SW
sold · 0.03 mi
Price: $165,500
3 bd / 3 ba · 2,120 sqft
Latest sale: $165,500 on Mar 21, 2025
Latest rent: $1,895 on Jun 28, 2023
Photo unavailable
538 S Main St
sold · 0.05 mi
Price: $30,000
2 bd / 1 ba · 1,042 sqft
Latest sale: $30,000 on Jan 24, 2025
Latest rent: —
Photo unavailable
161 5th Ave SW
sold · 0.06 mi
Price: $15,000
2 bd / 1 ba · 994 sqft
Latest sale: $15,000 on Feb 21, 2020
Latest rent: —
Photo unavailable
142 6th Ct Lot 142
for_sale · 0.10 mi
Price: $5,000
— bd / — ba
Latest sale: $81,000
Latest rent: —
Photo unavailable
588 S Main St
for_sale · 0.11 mi
Price: $134,000
4 bd / 2 ba · 1,690 sqft
Latest sale: $99,500 on Mar 11, 2021
Latest rent: $965 on Mar 09, 2021
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Interior photos show living areas and some bedrooms but not the kitchen, bathroom, water heater, HVAC equipment, or electrical panel; assume these are present but unverified.
- Central HVAC is assumed present because of ceiling vents; operational status not confirmed.
- At least one smoke alarm is present (visible in a bedroom photo); assume additional detectors may be missing and will need installation to meet code.
- No visible evidence of collapsed ceilings, major foundation movement, or active leaks; assume none present unless an interior unseen area shows otherwise.
- Appliances (stove, refrigerator) are not photographed and are assumed missing or not guaranteed to be included; missing appliances would be moderate repairs to supply.
- Windows are assumed to meet egress size typical for a 1948 home but bedroom egress not verified and may require inspection.
- External electrical/gas service exists (meter visible) and is assumed active, but panel integrity and outlet GFCI protection are unconfirmed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2023 | $706 | $60,600 | $12,120 |
| 2022 | $565 | $48,500 | $9,700 |
| 2021 | $808 | $69,300 | $13,860 |
| 2020 | $808 | $69,300 | $13,860 |
| 2019 | $808 | $69,300 | $13,860 |
| 2018 | $760 | $65,200 | $13,040 |
| 2017 | $755 | $64,800 | $12,960 |
| 2016 | $755 | $64,800 | $12,960 |
| 2015 | $755 | $64,800 | $12,960 |
| 2013 | $745 | $63,900 | $12,780 |
| 2012 | $745 | $63,900 | $12,780 |
| 2011 | $755 | $64,800 | $12,960 |
| 2010 | $755 | $64,800 | $12,960 |
| 2009 | $755 | $64,800 | $12,960 |
| 2008 | $785 | $66,100 | $13,220 |
| 2007 | $341 | $66,800 | $6,680 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-08-20 | Sold | $73,964 |
| 2023-08-28 | Sold | $138,000 |
| 2022-05-02 | Sold | $45,000 |
| 2006-04-18 | Sold | $72,000 |
Photo Gallery
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"price_change_percentage": null
},
{
"date": "2023-06-24",
"price": 129000,
"listing": {
"status": "sold",
"list_date": "2023-06-24T18:27:29Z",
"list_price": 134900,
"listing_id": "2957054596",
"last_update_date": "2023-08-28T22:00:25Z",
"last_status_change_date": "2023-08-28T22:20:55Z"
},
"event_name": "Listed",
"price_sqft": 132.44353182751541,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1357914",
"price_change_percentage": "+186.67%"
},
{
"date": "2022-05-02",
"price": 45000,
"listing": null,
"event_name": "Sold",
"price_sqft": 46.20123203285421,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-43.68%"
},
{
"date": "2007-11-30",
"price": 79900,
"listing": {
"status": "off_market",
"list_date": "2007-07-11T07:00:00Z",
"list_price": 79900,
"listing_id": "542341799",
"last_update_date": "2007-12-01T13:00:00Z",
"last_status_change_date": "2007-11-30T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "142 days",
"source_listing_id": "347711",
"price_change_percentage": null
},
{
"date": "2007-07-11",
"price": 79900,
"listing": {
"status": "off_market",
"list_date": "2007-07-11T07:00:00Z",
"list_price": 79900,
"listing_id": "542341799",
"last_update_date": "2007-12-01T13:00:00Z",
"last_status_change_date": "2007-11-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "347711",
"price_change_percentage": "+10.97%"
},
{
"date": "2006-04-14",
"price": 72000,
"listing": {
"status": "sold",
"list_date": "2006-02-08T07:00:00Z",
"list_price": 74900,
"listing_id": "541798515",
"last_update_date": "2006-04-14T23:49:07Z",
"last_status_change_date": "2006-04-14T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -2900,
"days_after_listed": "65 days",
"source_listing_id": "289369",
"price_change_percentage": "-3.87%"
},
{
"date": "2006-02-08",
"price": 74900,
"listing": {
"status": "sold",
"list_date": "2006-02-08T07:00:00Z",
"list_price": 74900,
"listing_id": "541798515",
"last_update_date": "2006-04-14T23:49:07Z",
"last_status_change_date": "2006-04-14T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "289369",
"price_change_percentage": "+35.93%"
},
{
"date": "2001-10-26",
"price": 55100,
"listing": null,
"event_name": "Sold",
"price_sqft": 56.57084188911704,
"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": "7581230369",
"generated_at": "2026-02-16T02:03:59.028412Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.0
},
"utility_allowance": {
"zip_code": "35073",
"home_photo": "https://ap.rdcpix.com/30e36bb58e400dce8cc56f343f153682l-m4221492117s-w1280.jpg",
"rent_price": 1220.0,
"loan_amount": 71200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/534-1st-St-SW_Graysville_AL_35073_M75812-30369",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 89000.0,
"loan_term_years": 30,
"annual_cash_flow": 11855.82,
"mortgage_monthly": 473.7,
"payment_standard": 1518.0,
"total_amount_out": 17800.0,
"additional_photos": [
"https://ap.rdcpix.com/30e36bb58e400dce8cc56f343f153682l-m1378865467s-w1280.jpg",
"https://ap.rdcpix.com/30e36bb58e400dce8cc56f343f153682l-m845419172s-w1280.jpg",
"https://ap.rdcpix.com/30e36bb58e400dce8cc56f343f153682l-m1747673191s-w1280.jpg",
"https://ap.rdcpix.com/30e36bb58e400dce8cc56f343f153682l-m2041829791s-w1280.jpg",
"https://ap.rdcpix.com/30e36bb58e400dce8cc56f343f153682l-m3165017339s-w1280.jpg",
"https://ap.rdcpix.com/30e36bb58e400dce8cc56f343f153682l-m2643580382s-w1280.jpg",
"https://ap.rdcpix.com/30e36bb58e400dce8cc56f343f153682l-m2054200909s-w1280.jpg",
"https://ap.rdcpix.com/30e36bb58e400dce8cc56f343f153682l-m889014934s-w1280.jpg",
"https://ap.rdcpix.com/30e36bb58e400dce8cc56f343f153682l-m1593065935s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 49.42,
"monthly_cash_flow": 987.98,
"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 is in Graysville and listing states 'No Heat', implying tenant responsibility. Natural Gas for Graysville is selected as a common and specifically listed fuel source in the schedule.",
"utility": "heating",
"allowance": 42
},
{
"note": "Property listing states 'No Air', so tenant is responsible for cooling. Alabama Power is the primary electric provider and this allowance covers tenant-provided units (e.g., window A/C).",
"utility": "cooling",
"allowance": 22
},
{
"note": "No range is provided. Natural Gas for Graysville is selected, consistent with the heating fuel choice.",
"utility": "cooking",
"allowance": 16
},
{
"note": "Fuel type is not specified. Natural Gas for Graysville is selected, consistent with the heating fuel choice.",
"utility": "water_heating",
"allowance": 36
},
{
"note": "Property has public water. The schedule includes a specific allowance for 'Water: Graysville'.",
"utility": "water",
"allowance": 100
},
{
"note": "Property has a septic tank, eliminating the need for a monthly public sewer utility payment.",
"utility": "sewer",
"allowance": 0
},
{
"note": "The utility schedule for Graysville Inside City Limits (ISCL) specifies a $0 allowance for trash service.",
"utility": "trash_collection",
"allowance": 0
},
{
"note": "Covers general electricity for lights and outlets. Based on the rate for Alabama Power, the local provider.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Refrigerator is not listed as a provided appliance, so the tenant-owned allowance is applied.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "Range/Microwave are not listed as provided appliances, so the tenant-owned allowance is applied.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.67,
"down_payment_amount": 17800.0,
"property_tax_annual": 727.18,
"property_tax_monthly": 60.6,
"property_tax_increase": 0.03,
"utility_allowance_total": 298.0,
"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": 2023,
"annual_cash_flow_after_debt": 6171.48,
"property_management_monthly": 122.0,
"monthly_cash_flow_after_debt": 514.29,
"cash_on_cash_return_after_debt": 0.35
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/1BA brick home appears structurally intact and largely cosmetically serviceable. Interior flooring and finishes are in fair-good condition and the roof and exterior brick look solid. Several code-critical items (smoke/CO coverage in all sleeping areas, GFCI outlets, appliance presence, hot-water supply and HVAC operation) are not documented in the photos. Expect a moderate probability of passing an initial HCV/NSPIRE inspection after verifying/repairing those items and completing reasonable cosmetic/maintenance tasks (cleaning yard, minor paint/trim, door hardware). Estimated time to rent-readiness: 1-4 weeks if systems functional; up to 30-60 days if mechanical work or appliance installation is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 70.0,
"rationale": "Interior finishes are generally intact: recent-looking vinyl plank flooring, painted walls, baseboards in place. Cosmetic wear is visible (scuffed trim, small wall holes, stained/painted doors). Exterior brick porch and steps are solid but show surface staining and some mortar wear. Detached garage shows exterior staining and moss; driveway/yard need cleanup. No catastrophic visible damage. Missing kitchen/bath photos and unknown appliance condition limit full assessment; missing appliances would moderately reduce readiness if not provided."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "One smoke alarm-like device visible in a bedroom photo (good), and there are ceiling HVAC vents. Entry has a metal storm door and main door but no visible deadbolt in photos; door security may need upgrade. Windows appear older; egress for bedrooms not verifiable from photos. Exterior wiring/coax runs visible but not obviously live-hazardous; electrical meter and gas meter present. GFCI protection in kitchen/bath, CO alarm(s), and hot-water availability are not shown. Some staining at foundation/grade suggests past moisture that should be checked for mold or active intrusion. Because several required safety items cannot be confirmed, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC / plumbing / electrical / roof)",
"score": 65.0,
"rationale": "Ceiling supply/return vents indicate central HVAC likely present but operation and age unverified. Roof shingles appear intact from photos with no visible sagging or large missing areas. Water heater and HVAC equipment are not shown; plumbing fixtures inside not photographed. Gas meter present which supports gas service. Electrical service and exterior meter/box visible; panel condition not shown. Given visual indicators of intact systems but lack of verification, assume functional but requiring verification and possible minor service work."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard condition",
"score": 70.0,
"rationale": "Brick exterior and foundation appear structurally sound with no visible large cracks or sagging. Front porch and steps are serviceable with an iron handrail present. Yard is level but has leaf/vegetation buildup and overgrowth at the rear which could hide hazards and will need cleanup. Detached garage is standing but shows surface staining and some moss/algae on walls. Downspout directs water to grade; minor grading/drainage improvements recommended to avoid water at foundation. No visible standing water or active structural failures."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior photos show living areas and some bedrooms but not the kitchen, bathroom, water heater, HVAC equipment, or electrical panel; assume these are present but unverified.",
"Central HVAC is assumed present because of ceiling vents; operational status not confirmed.",
"At least one smoke alarm is present (visible in a bedroom photo); assume additional detectors may be missing and will need installation to meet code.",
"No visible evidence of collapsed ceilings, major foundation movement, or active leaks; assume none present unless an interior unseen area shows otherwise.",
"Appliances (stove, refrigerator) are not photographed and are assumed missing or not guaranteed to be included; missing appliances would be moderate repairs to supply.",
"Windows are assumed to meet egress size typical for a 1948 home but bedroom egress not verified and may require inspection.",
"External electrical/gas service exists (meter visible) and is assumed active, but panel integrity and outlet GFCI protection are unconfirmed."
],
"overall_score": 66.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "This 3BR/1BA brick foreclosure shows a sound basic structure and largely intact systems visually. Interior finishes look serviceable and the site is rentable after modest work. Primary NSPIRE risks that need verification/repair before a voucher inspection are bedroom egress window sizes/obstructions, full smoke/CO detector coverage, and confirmation of operational HVAC, water heating and electrical panel condition. Expect minor-to-moderate repairs and system checks; likely rent-ready within ~30 days if systems test and missing alarms/appliances are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 70.0,
"rationale": "Interior finishes appear recently updated or in fair condition (newer vinyl plank flooring, painted walls). Minor cosmetic issues visible (scuffed trim, sticker/film on windows, dirty front door, debris on site). No interior collapse or severe surface damage seen. Kitchen and bath fixtures/appliances are not shown — missing appliances would be an easy-to-fix item but they reduce rent-readiness until provided. Exterior brick and porch are intact though mortar has light wear. Classification: mostly easy-to-fix cosmetic and finish items; moderate work to install or confirm appliances and address small exterior mortar/trim repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "One smoke detector is visible in a bedroom (good), but detector coverage in all required locations and presence of CO alarm (required if gas appliances present) are not documented. No obvious exposed wiring or electrical hazards seen; electrical meter/panel present externally but internal panel condition unknown. Steps have a metal handrail on one side; porch has a solid brick knee wall providing fall protection. Windows are older single-pane and some appear covered/obstructed (green film) — bedroom egress size cannot be confirmed and may fail egress requirements if too small. No active water intrusion, collapsed ceilings, or visible mold were observed. Classification: inspection-risk items (egress windows, alarm coverage, CO alarm) that must be confirmed to pass NSPIRE."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 60.0,
"rationale": "Ceiling supply/return vent visible indicating central HVAC ductwork likely present, but no exterior condenser or furnace/water heater photos to confirm operational systems. Gas meter present at exterior (so gas appliances possible) but condition of gas appliances/venting unknown. Roof appears intact in photos with no obvious large failures, though the detached garage roof/siding shows moss/staining and may need attention. Plumbing stub and external spigot visible; interior plumbing fixtures not shown. Classification: moderate systems risk because operational status of HVAC, water heater and internal electrical panel cannot be verified from photos — these are critical for inspection and tenant safety."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Four-sided brick exterior appears structurally sound with no obvious foundation displacement or major cracks visible. Lot is level and large; some brush/overgrowth along rear fence and leaf debris need cleanup. Detached garage/shed cladding has algae/moss staining and signs of weathering; driveway and walkways are serviceable though could use clearing. Drainage near foundation shows mild staining/efflorescence suggesting past moisture against lower brick but no active standing water was seen. Classification: mostly minor exterior/site work, with moderate maintenance required for garage and yard clearance."
}
],
"red_flags": [
"Unverified bedroom egress — some windows appear small or obstructed (possible egress failure).",
"No documentation/photos of operational HVAC condenser, water heater or interior electrical panel — critical systems unconfirmed.",
"Potential moisture staining/efflorescence at lower brick indicating past dampness against foundation.",
"Detached garage shows significant algae/moss/staining and weathered siding—possible roof or siding deterioration.",
"Smoke/CO alarm coverage not fully documented (CO alarm required if gas appliances/lines are in use)."
],
"confidence": 0.65,
"assumptions": [
"Photos are recent and representative of entire property condition (dated 01/24/2026).",
"Central HVAC is present because ceiling vents are visible; exterior condenser/furnace location not pictured.",
"Kitchen and major plumbing/water-heating appliances are not pictured and may be missing or in the interior areas not shown.",
"Windows are original/older single-pane; some windows appear covered with privacy film or residue that may obstruct egress.",
"No active interior water intrusion, severe mold, or structural collapse exists beyond what is visible in photos.",
"Electrical panel and gas meter are present externally but internal condition and breaker integrity are unknown."
],
"overall_score": 66.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "This 3-bed/1-bath brick foreclosure is mostly sound cosmetically and likely can be made Section 8 / HCV inspection-ready with targeted repairs. Interior finish is in reasonable condition (newer LVP flooring, painted walls). Major unknowns that determine passability are: presence and operational status of heating/Cooling and hot water; working kitchen appliances; GFCI protection in kitchen/bath; adequacy of bedroom egress windows; and CO detector presence. None of the provided photos show structural failures, sagging, collapsed ceilings, or major roof damage. Expect moderate work (cosmetic fixes, appliance installation, verification/repair of mechanical systems, addressing minor electrical cable routing and drainage) and an estimated 2–6 weeks of prep to reliably pass an initial NSPIRE/HCV inspection assuming systems are operational or easily repaired.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior shows recently installed vinyl plank flooring, painted walls and intact trim — overall cosmetically OK. Exterior brick envelope appears sound with only minor mortar/soiling. Observable deferred items: stained/dirty detached garage siding, overgrown rear vegetation, scuffs on walls/trim, some window panes/coverings appear damaged or taped. No kitchen/bath photos or appliances visible; likely replacement/installation of stove/refrigerator and minor finish carpentry required. These are mostly cosmetic/capital items, not structural."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 60.0,
"rationale": "A hardwired or battery smoke detector is visible in one interior photo (positive). Entry door and storm/security door are present. Exterior shows an electrical meter and cable; one exterior cable/line appears loosely run along the wall (possible minor electrical hazard). No carbon monoxide detector is visible in photos. Bedroom windows shown are relatively small and have film/tape that may impede egress; egress compliance cannot be confirmed. No obvious major trip hazards, collapsed ceilings, or active roof leaks visible. Kitchens/baths not shown — GFCI outlet coverage and plumbing fixture operation cannot be confirmed and pose inspection risk. Overall moderate NSPIRE risk mainly from uncertain egress, unknown CO detection, and unknown GFCI/fixture status."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Electrical/Plumbing/Roof)",
"score": 55.0,
"rationale": "Roof shingles appear intact with no visible sagging or active leaks in exterior photos. Interior ceiling vents and a light fixture indicate a central HVAC/forced-air system likely exists but no exterior HVAC unit or water heater is shown — operational status unknown. Electrical service and gas meter are present; electrical panel not shown but exterior wiring appears intact aside from a loosely secured cable. Plumbing lines not visible; outdoor faucet exists. Because heating/cooling, hot water and GFCI protection could not be verified, assign a conservative score for mechanical unknowns."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Property sits on a level lot with ample yard and a detached garage. Brick siding is generally in good condition. Driveway and front steps are functional; a metal stair rail is present though minimal. Downspouts appear to discharge near foundation which may need correction to ensure drainage away from structure. Detached garage shows mildew/algae staining and some siding deterioration. Rear vegetation/brush along fence is overgrown (pest/entry risk) but not catastrophic. No visible foundation cracks or severe site erosion in photos."
}
],
"red_flags": [
"Electrical hazards — loose/exposed exterior cable observed that should be secured/inspected."
],
"confidence": 0.7,
"assumptions": [
"Central forced-air HVAC is present (inferred from ceiling vents) but functionality was not verified in photos.",
"Hot water heater and kitchen appliances (stove/refrigerator) are not shown and should be assumed missing or unverified; landlord will supply or install as required.",
"Only one smoke detector is visible; additional detectors and CO alarm may be required — assume they are not present unless provided.",
"Bedroom window sizes and operability are unclear; assume at least one bedroom may require egress verification or window replacement.",
"Electrical service exists (meter visible) and panel is intact off-photo; minor exterior wiring appears loosely secured but not obviously live-hazardous from images.",
"No interior plumbing, water stains, mold, or structural sagging were visible; assume none severe unless revealed by an in-person inspection."
],
"overall_score": 65.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "534 1st St, Graysville, AL, 35073",
"aggregate": {
"summary": "This 3BR/1BA brick home appears structurally intact and largely cosmetically serviceable. Interior flooring and finishes are in fair-good condition and the roof and exterior brick look solid. Several code-critical items (smoke/CO coverage in all sleeping areas, GFCI outlets, appliance presence, hot-water supply and HVAC operation) are not documented in the photos. Expect a moderate probability of passing an initial HCV/NSPIRE inspection after verifying/repairing those items and completing reasonable cosmetic/maintenance tasks (cleaning yard, minor paint/trim, door hardware). Estimated time to rent-readiness: 1-4 weeks if systems functional; up to 30-60 days if mechanical work or appliance installation is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 71.7,
"rationale": "Interior finishes are generally intact: recent-looking vinyl plank flooring, painted walls, baseboards in place. Cosmetic wear is visible (scuffed trim, small wall holes, stained/painted doors). Exterior brick porch and steps are solid but show surface staining and some mortar wear. Detached garage shows exterior staining and moss; driveway/yard need cleanup. No catastrophic visible damage. Missing kitchen/bath photos and unknown appliance condition limit full assessment; missing appliances would moderately reduce readiness if not provided."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard condition",
"score": 70.0,
"rationale": "Brick exterior and foundation appear structurally sound with no visible large cracks or sagging. Front porch and steps are serviceable with an iron handrail present. Yard is level but has leaf/vegetation buildup and overgrowth at the rear which could hide hazards and will need cleanup. Detached garage is standing but shows surface staining and some moss/algae on walls. Downspout directs water to grade; minor grading/drainage improvements recommended to avoid water at foundation. No visible standing water or active structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 61.7,
"rationale": "One smoke alarm-like device visible in a bedroom photo (good), and there are ceiling HVAC vents. Entry has a metal storm door and main door but no visible deadbolt in photos; door security may need upgrade. Windows appear older; egress for bedrooms not verifiable from photos. Exterior wiring/coax runs visible but not obviously live-hazardous; electrical meter and gas meter present. GFCI protection in kitchen/bath, CO alarm(s), and hot-water availability are not shown. Some staining at foundation/grade suggests past moisture that should be checked for mold or active intrusion. Because several required safety items cannot be confirmed, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC / plumbing / electrical / roof)",
"score": 60.0,
"rationale": "Ceiling supply/return vents indicate central HVAC likely present but operation and age unverified. Roof shingles appear intact from photos with no visible sagging or large missing areas. Water heater and HVAC equipment are not shown; plumbing fixtures inside not photographed. Gas meter present which supports gas service. Electrical service and exterior meter/box visible; panel condition not shown. Given visual indicators of intact systems but lack of verification, assume functional but requiring verification and possible minor service work."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Interior photos show living areas and some bedrooms but not the kitchen, bathroom, water heater, HVAC equipment, or electrical panel; assume these are present but unverified.",
"Central HVAC is assumed present because of ceiling vents; operational status not confirmed.",
"At least one smoke alarm is present (visible in a bedroom photo); assume additional detectors may be missing and will need installation to meet code.",
"No visible evidence of collapsed ceilings, major foundation movement, or active leaks; assume none present unless an interior unseen area shows otherwise.",
"Appliances (stove, refrigerator) are not photographed and are assumed missing or not guaranteed to be included; missing appliances would be moderate repairs to supply.",
"Windows are assumed to meet egress size typical for a 1948 home but bedroom egress not verified and may require inspection.",
"External electrical/gas service exists (meter visible) and is assumed active, but panel integrity and outlet GFCI protection are unconfirmed."
],
"score_method": "mean_of_criteria",
"overall_score": 66.0,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7581230369"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.