Property ID: 7582038847
6418 5th Ct S, Birmingham, AL, 35212
Birmingham, AL
Money Down: $22,800
CoC Return: 2.91%
Monthly Cash Flow: $55
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,000
Closing Costs
$3,800
Total Down
$22,800
Investment Snapshot
Purchase Price
$95,000
Money Down
$22,800
Cash-on-Cash Return
2.91%
Rent
$755
Monthly Cash Flow
$55
Annual Cash Flow
$664
Debt Service / Mo
$506
Property Tax / Mo
$62
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$755
Payment Standard
$1,122
Rent
$755
Insurance
$56
Property Tax
$62
Management
$76
Utilities Allowance
$367
NOI (Monthly)
$561
Debt Service
$506
Cash Flow After Debt
$55
Quality Score: 69.40%
Confidence: 94.00%
Overall this 2-bed bungalow appears largely renovated inside with a serviceable exterior and functioning major systems visible (AC, electrical meter). The property shows moderate inspection risk primarily from missing/unspecified life-safety devices (smoke/CO detectors, GFCI confirmation), evidence of foundation/block moisture staining and some exterior trim/stoop repairs. These are generally repairable within 1–4 weeks (installation of detectors, GFCI outlets, minor exterior grading/patching, walk/stoop repairs). Likely passable with targeted fixes; expect a small list of required corrections on an initial HCV/NSPIRE inspection.
Section 8 Payment Standard
$1,122
Utility Allowance Total
$367
Guaranteed Section 8 Rent (PS - Utilities)
$755
Property Management
$76
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$95,000
Beds
2
Baths
1
Living Area
750 sqft
Lot Size
6,970 sqft
Year Built
1940
Days on Market
39
Capital Outlay
$22,800
Debt Service
$506
Property Tax / Mo
$62
Insurance / Mo
$56
Property Description
*A well-maintained two-bedroom bungalow offering comfortable single-level living. The property features a bright living room, fitted kitchen, two well-proportioned bedrooms.
Utility Allowances
Heating
$31
Property has central heat. Gas is assumed based on other gas appliances (stove, water heater). 'Spire' is selected as the most likely provider.
Cooking
$13
Property has a gas stove. 'Spire' is selected as the most likely provider in the Birmingham area.
Water Heating
$29
Property has a gas water heater. 'Spire' is selected as the most likely provider.
Cooling
$18
Property has central cooling (A/C), which is electric. 'Alabama Power' is selected as the primary provider in the area.
Other Electric
$56
For general electricity usage (lights, outlets). 'Alabama Power' is the primary provider. The schedule bundles refrigerator costs here, but the unit includes one.
Water
$69
Property is on public water in Birmingham, matching the schedule's 'Water: Birmingham' option.
Sewer
$125
Property is stated to have a connected sewer. The schedule provides a single fixed rate for this.
Trash Collection
$20
Property is in Birmingham (Jefferson County). Selected the 'Jefferson City' option from the schedule as the most applicable.
Range/Microwave
$6
A microwave is not listed as a provided appliance. The allowance is for a tenant-owned microwave, as per the schedule.
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$541
DP3 Annual Estimate$814
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$68
Replacement Value$54,800
Basis750 sqft / 1940
Nearby Houses
Photo unavailable
6429 5th Ct S
sold · 0.03 mi
Price: $14,000
3 bd / 1 ba · 784 sqft
Latest sale: $14,000
Latest rent: —
Photo unavailable
522 64th St S
sold · 0.08 mi
Price: $22,500
3 bd / 1 ba · 1,334 sqft
Latest sale: $22,500
Latest rent: —
Photo unavailable
538 64th St S
sold · 0.08 mi
Price: $205,000
4 bd / 2 ba · 1,620 sqft
Latest sale: $205,000
Latest rent: —
Photo unavailable
539 63rd St S
for_sale · 0.11 mi
Price: $199,000
4 bd / 2 ba · 1,272 sqft
Latest sale: $198,500
Latest rent: —
Photo unavailable
575 64th St S
sold · 0.11 mi
Price: $171,000
3 bd / 2 ba · 1,763 sqft
Latest sale: $171,000
Latest rent: —
Photo unavailable
560 Antwerp Ave
off_market · 0.11 mi
Price: $24,750
2 bd / 1 ba · 720 sqft
Latest sale: —
Latest rent: —
Photo unavailable
559 63rd St S
sold · 0.13 mi
Price: $100,000
3 bd / 1 ba · 888 sqft
Latest sale: $100,000 on Mar 21, 2025
Latest rent: $1,390 on Dec 22, 2024
Photo unavailable
6425 Georgia Rd
off_market · 0.14 mi
Price: $15,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
545 Antwerp Ct
sold · 0.16 mi
Price: $88,776
3 bd / 1 ba · 908 sqft
Latest sale: $88,776 on Jul 22, 2024
Latest rent: $750 on Sep 02, 2017
Risk and Criteria Detail
Red Flags
- success
- Evidence of foundation/block staining and patching (efflorescence/water exposure) — potential moisture/drainage issue that needs investigation.
- No visible smoke detectors or carbon monoxide detector in photos — NSPIRE requires properly installed detectors (failure will likely result in citation).
- No visible GFCI protection shown in bathroom/kitchen photos — required in wet locations.
- Water heater/furnace not shown or documented — lack of visible heating/hot water equipment is a risk if absent or nonfunctional.
Assumptions
- Interior heating system and water heater are present and functional though not shown in photos (assumed from presence of AC and renovated interior).
- Kitchen is fitted as the listing states; specific appliances (stove, fridge) may be present but were not photographed — if missing, these would be moderate-capital items to supply.
- Smoke detectors and carbon monoxide alarms are not present (none visible in photos) and therefore treated as absent for scoring.
- No active roof leaks or collapsed ceilings exist beyond shown exterior staining — interior ceilings pictured are intact.
- Electrical service is assumed to be up-to-code from exterior meter/power conduit appearance; internal panel condition not visible and therefore not downgraded unless shown otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $723 | $73,700 | $10,660 |
| 2023 | $723 | $49,900 | $9,980 |
| 2022 | $211 | $38,900 | $3,900 |
| 2021 | $211 | $38,900 | $3,900 |
| 2020 | $211 | $38,900 | $3,900 |
| 2019 | $211 | $38,900 | $3,900 |
| 2018 | $190 | $35,700 | $3,580 |
| 2017 | $190 | $35,700 | $3,580 |
| 2016 | $190 | $35,700 | $3,580 |
| 2015 | $182 | $34,600 | $3,460 |
| 2013 | $174 | $34,200 | $3,420 |
| 2012 | $174 | $34,210 | $3,421 |
| 2011 | $1,045 | $36,800 | $3,680 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-08 | Listed | $95,000 |
| 2025-06-24 | Listing removed | $0 |
| 2025-05-13 | Price Changed | $100,000 |
| 2025-03-11 | Price Changed | $109,000 |
| 2025-01-21 | Listed | $118,500 |
| 2025-01-01 | Listing removed | $0 |
| 2024-11-13 | Price Changed | $110,000 |
| 2024-08-31 | Price Changed | $125,000 |
| 2024-07-21 | Listed | $140,000 |
| 2024-07-02 | Listing removed | $0 |
| 2024-06-12 | Price Changed | $110,000 |
| 2024-05-01 | Listed | $120,000 |
| 2024-03-23 | Listing removed | $0 |
| 2024-02-29 | Price Changed | $125,000 |
| 2024-02-16 | Price Changed | $130,900 |
| 2024-01-23 | Listed | $139,900 |
| 2023-12-17 | Listing removed | $0 |
| 2023-06-05 | Price Changed | $140,000 |
| 2022-12-17 | Listed | $150,000 |
| 2022-03-04 | Sold | $28,000 |
Photo Gallery
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"permit_status": "Complete",
"permit_type_of_work": "Plumbing Permit",
"permit_effective_date": "Aug 11, 2010",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": null,
"permit_project_type_3": null
},
{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Gas permit",
"permit_effective_date": "Jun 23, 2010",
"permit_project_type_1": "Plumbing",
"permit_project_type_2": null,
"permit_project_type_3": null
}
]
}
},
"rmn_listing_attribution": false
},
"property_id": "7582038847",
"generated_at": "2026-02-16T02:53:36.697222Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 69.4
},
"utility_allowance": {
"zip_code": "35212",
"home_photo": "https://ap.rdcpix.com/9aee744496d534ac02328d903f1dba80l-m457507858s-w1280.jpg",
"rent_price": 755.0,
"loan_amount": 76000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/6418-5th-Ct-S_Birmingham_AL_35212_M75820-38847",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 95000.0,
"loan_term_years": 30,
"annual_cash_flow": 6731.81,
"mortgage_monthly": 505.63,
"payment_standard": 1122.0,
"total_amount_out": 19000.0,
"additional_photos": [
"https://ap.rdcpix.com/9aee744496d534ac02328d903f1dba80l-m1136316228s-w1280.jpg",
"https://ap.rdcpix.com/9aee744496d534ac02328d903f1dba80l-m3542092434s-w1280.jpg",
"https://ap.rdcpix.com/9aee744496d534ac02328d903f1dba80l-m242839871s-w1280.jpg",
"https://ap.rdcpix.com/9aee744496d534ac02328d903f1dba80l-m1635482911s-w1280.jpg",
"https://ap.rdcpix.com/9aee744496d534ac02328d903f1dba80l-m1333757062s-w1280.jpg",
"https://ap.rdcpix.com/9aee744496d534ac02328d903f1dba80l-m3187711973s-w1280.jpg",
"https://ap.rdcpix.com/9aee744496d534ac02328d903f1dba80l-m455910099s-w1280.jpg",
"https://ap.rdcpix.com/9aee744496d534ac02328d903f1dba80l-m1909313912s-w1280.jpg",
"https://ap.rdcpix.com/9aee744496d534ac02328d903f1dba80l-m3123741576s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 56.46,
"monthly_cash_flow": 560.98,
"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 has central heat. Gas is assumed based on other gas appliances (stove, water heater). 'Spire' is selected as the most likely provider.",
"utility": "Heating",
"allowance": 31
},
{
"note": "Property has a gas stove. 'Spire' is selected as the most likely provider in the Birmingham area.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Property has a gas water heater. 'Spire' is selected as the most likely provider.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "Property has central cooling (A/C), which is electric. 'Alabama Power' is selected as the primary provider in the area.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "For general electricity usage (lights, outlets). 'Alabama Power' is the primary provider. The schedule bundles refrigerator costs here, but the unit includes one.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Property is on public water in Birmingham, matching the schedule's 'Water: Birmingham' option.",
"utility": "Water",
"allowance": 69
},
{
"note": "Property is stated to have a connected sewer. The schedule provides a single fixed rate for this.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "Property is in Birmingham (Jefferson County). Selected the 'Jefferson City' option from the schedule as the most applicable.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A microwave is not listed as a provided appliance. The allowance is for a tenant-owned microwave, as per the schedule.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.35,
"down_payment_amount": 19000.0,
"property_tax_annual": 744.69,
"property_tax_monthly": 62.06,
"property_tax_increase": 0.03,
"utility_allowance_total": 367.0,
"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": 664.25,
"property_management_monthly": 75.5,
"monthly_cash_flow_after_debt": 55.35,
"cash_on_cash_return_after_debt": 0.03
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 2-bed bungalow appears largely renovated inside with a serviceable exterior and functioning major systems visible (AC, electrical meter). The property shows moderate inspection risk primarily from missing/unspecified life-safety devices (smoke/CO detectors, GFCI confirmation), evidence of foundation/block moisture staining and some exterior trim/stoop repairs. These are generally repairable within 1–4 weeks (installation of detectors, GFCI outlets, minor exterior grading/patching, walk/stoop repairs). Likely passable with targeted fixes; expect a small list of required corrections on an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic renovation (fresh paint, new-looking flooring, updated bathroom). Exterior paint and siding are in generally good condition. Visible minor deferred maintenance: patched/peeling trim at gable, stained/patchy block foundation, cracked front walk/stoop edge. No catastrophic interior damage visible. Missing kitchen appliance photos — listing states 'fitted kitchen' but appliances not shown; absence would moderately reduce readiness but is not a major safety failure."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "Positive: entry door has a deadbolt, windows appear adequate for bedroom egress, rear stairs have a guardrail, no exposed wiring observed on exterior. Concerns: no visible smoke detectors or carbon monoxide detector in photos (required), no visible GFCI outlet in bathroom (outlet location not shown clearly), evidence of foundation damp staining/efflorescence that may indicate chronic moisture. Porch stoop has an unprotected drop/edge that could be a minor trip/fall hazard. These items create moderate inspection risk but appear fixable."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Exterior roof appears shingled and in serviceable condition with visible venting. Central AC condenser and electrical meter/power conduit are present and look intact; disconnect and wiring appear installed. No water heater, furnace, or HVAC indoor unit shown so operational condition is assumed but unverified. Plumbing fixtures visible and appear functional (bathroom fixtures newly installed). Lack of visible water heater or documentary confirmation reduces certainty but no obvious system failure is shown."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "House envelope (siding, windows) generally intact and painted. Block foundation shows staining, patching and minor surface deterioration at base which suggests prior water exposure; grading near foundation not clearly sloped away in photos. Front walkway and stoop show cracking and uneven edges; landscaping is unmaintained but not severe. Rear exterior stairs and railings appear serviceable. Overall sound but requires moderate exterior attention to address moisture/drainage and walk repairs."
}
],
"red_flags": [
"Evidence of foundation/block staining and patching (efflorescence/water exposure) — potential moisture/drainage issue that needs investigation.",
"No visible smoke detectors or carbon monoxide detector in photos — NSPIRE requires properly installed detectors (failure will likely result in citation).",
"No visible GFCI protection shown in bathroom/kitchen photos — required in wet locations.",
"Water heater/furnace not shown or documented — lack of visible heating/hot water equipment is a risk if absent or nonfunctional."
],
"confidence": 0.7,
"assumptions": [
"Interior heating system and water heater are present and functional though not shown in photos (assumed from presence of AC and renovated interior).",
"Kitchen is fitted as the listing states; specific appliances (stove, fridge) may be present but were not photographed — if missing, these would be moderate-capital items to supply.",
"Smoke detectors and carbon monoxide alarms are not present (none visible in photos) and therefore treated as absent for scoring.",
"No active roof leaks or collapsed ceilings exist beyond shown exterior staining — interior ceilings pictured are intact.",
"Electrical service is assumed to be up-to-code from exterior meter/power conduit appearance; internal panel condition not visible and therefore not downgraded unless shown otherwise."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2-bed bungalow appears to be cosmetically updated and largely serviceable; major systems (central A/C, electrical meter, plumbing fixtures) are present and the roof shows no obvious failure. Primary inspection risks: no smoke/CO detectors visible, evidence of foundation moisture/patching and unknown condition of unseen equipment (water heater, furnace, electrical panel). Expect to be rent-ready with minor repairs and verification of mechanicals and detectors in 1–3 weeks; if mechanicals fail or moisture issues require remediation timeline could extend. Overall readiness is in the 'minor repairs; likely rent-ready within 30 days' range.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates (paint, new vanity, tub surround, new-looking flooring) and overall clean condition. Exterior paint is intact and roof shingles appear serviceable. Observable minor issues: concrete porch has surface wear and small edge cracking, front walkway has a shallow trip area, decorative fascia wood shows weathering, and lower foundation block has patches/staining. No interior damage, collapsed surfaces or major finishes failures visible. Kitchen appliances are not shown — assumed likely missing or not pictured; missing appliances would be an easy-to-fix capital item and have been modestly weighted."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No smoke detectors or carbon-monoxide detectors are visible in the interior photos (NSPIRE requires working smoke detectors in common areas and bedrooms and CO detectors where fuel-burning equipment is present). Exterior and interior photos show no exposed wiring, electrical meter and conduit appear intact, and rear exterior stairs have a guardrail; front porch lacks a handrail/guard at the exposed edge though drop appears low (may or may not require a rail depending on exact rise). Bedroom windows appear adequate for egress. Bathroom window present. GFCI outlets in kitchen/bath are not visible in photos (potential deficiency). Evidence of prior moisture/staining at foundation could point to dampness risk. Working plumbing fixtures and a visible HVAC condenser suggest basic systems exist, but detection gaps create inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Exterior shows an A/C condenser and electrical meter with disconnect — positive signs the home has central HVAC and power. Roof shingles look intact with no obvious sagging or major failure. Water heater, furnace, and electrical panel are not photographed so operability must be confirmed; absence of visible equipment creates conditional risk. Foundation/block has been patched in places; no visible structural sagging or collapsed ceilings. Plumbing fixtures in bathroom appear new/functional in photos. Overall systems look present but unverified."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 70.0,
"rationale": "Siding and windows appear in fair condition with fresh paint. Foundation is block and shows multiple patched areas and staining/efflorescence at the base — indicates past moisture intrusion and requires verification of drainage. Yard slopes toward the foundation in places and drainage detailing (gutters/downspouts, positive grade) is not visible. Walkways show minor cracking; rear stairs have a railing. No visible pest infestation or major neglect."
}
],
"red_flags": [
"No visible smoke detectors and no visible carbon-monoxide detector — NSPIRE requires operational detectors in specific locations.",
"Evidence of foundation moisture/staining and multiple patched blocks — potential water intrusion risk that must be investigated.",
"Major systems not fully visible/verified (furnace/water-heater/electrical panel) — operability unknown and could trigger inspection failure if defective.",
"GFCI protection in kitchen/bath not visible in photos — likely need verification/installation."
],
"confidence": 0.65,
"assumptions": [
"Interior photos represent the full extent of recent interior work (no hidden damage in unphotographed rooms).",
"Kitchen appliances are not pictured; assume they may be absent or older but are an easy-to-fix capital item if missing.",
"HVAC condenser outside is functional or serviceable; however, furnace/water heater and electrical panel location/condition are not shown and must be verified.",
"Smoke detectors and CO alarms are not installed or not visible in provided photos, so they are treated as likely missing for inspection risk purposes.",
"No active roof leaks, severe mold, or collapsed ceilings exist beyond what is visible in the photos.",
"Front porch rise is low (no high drop) — absence of a handrail is a potential code issue dependent on actual measured rise.",
"Drainage near foundation is marginal due to slope and staining/patching; further site grading or gutter work may be required."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2‑bed bungalow appears to have been cosmetically renovated and is largely in good, rentable condition. Interior finishes look updated, HVAC condenser and electrical service are present, and there are no visible catastrophic structural defects. Primary inspection risks are missing/unclear life‑safety items (smoke/CO detectors, GFCI outlets), evidence of foundation moisture/grade issues, and some exterior trip/finish defects. With straightforward fixes (install detectors, confirm/repair GFCI and hot water, improve grading/drainage and repair small concrete edges) the property should be able to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates (new flooring, painted walls, modern vanity, tub surround). No visible major interior damage. Exterior paint is intact though there are isolated scuffs and foundation staining. Porch slab and path have small cracks and uneven edges that are easily repairable. Missing kitchen/appliances not pictured — assumed to be either present or simple to install. Overall mostly cosmetic and minor repairs only."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "Visible safety positives: entry door has deadbolt and electronic lock, exterior handrail on the side stairs exists, windows appear intact, exterior electrical meter and service appear professionally installed. Concerns: no smoke or carbon monoxide detectors visible in the interior photos (likely required), GFCI outlets in kitchen/bath not shown, bathroom window not an egress for sleeping rooms (bedroom egress not fully verifiable from photos), and minor trip hazards at the walkway/porch edge. No exposed live wiring or obvious electrical hazards in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 70.0,
"rationale": "Outside condenser unit present indicating central HVAC (cooling) — positive. Electrical service and meter are visible and look intact. Roof shingles appear in serviceable condition from photos, no visible active roof damage. Water heater, furnace, and plumbing mechanicals are not shown; bathroom fixtures look new and functional. Foundation shows staining and some patched blockwork but no visible large cracks. Because some major system equipment (water heater, furnace) cannot be confirmed in photos, a conservative mid‑score is assigned."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 65.0,
"rationale": "Siding and windows appear serviceable. Concrete block foundation is painted but shows staining/efflorescence at the base and evidence of past patches; grade slopes toward the foundation in places and there is limited visible drainage infrastructure (no gutters/downspout terminations shown) which can cause moisture issues. Front porch and walkway have uneven edges and small cracks (trip potential). Exterior stairs have a metal railing but lower landing area shows wear. Yard and walkways are otherwise tidy with no heavy debris or obvious rodent/infestation evidence."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos — likely NSPIRE inspection failure if not installed.",
"Evidence of moisture/staining and patched areas on block foundation and grade that slopes toward foundation — potential long‑term moisture/drainage issue.",
"Porch/walkway edges and lower landing show unevenness and small concrete deterioration creating trip hazards."
],
"confidence": 0.7,
"assumptions": [
"Kitchen and major appliances are either present or can be provided; lack of photos does not imply permanent absence.",
"A water heater and furnace/heating source exist but were not photographed; assume typical central HVAC with heat due to presence of exterior condenser.",
"No active roof leaks or interior water damage beyond the observable fresh interior finishes (no ceiling stains shown).",
"Windows in bedrooms meet minimum egress dimensions or can be modified if required; full measurement not available from photos.",
"Electrical service and meter are functional and permitted; interior electrical panel condition not visible but exterior conduit looks intact.",
"No evidence of active infestation, hazardous mold, or peeling lead‑hazard paint visible in provided photos."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "6418 5th Ct S, Birmingham, AL, 35212",
"aggregate": {
"summary": "Overall this 2-bed bungalow appears largely renovated inside with a serviceable exterior and functioning major systems visible (AC, electrical meter). The property shows moderate inspection risk primarily from missing/unspecified life-safety devices (smoke/CO detectors, GFCI confirmation), evidence of foundation/block moisture staining and some exterior trim/stoop repairs. These are generally repairable within 1–4 weeks (installation of detectors, GFCI outlets, minor exterior grading/patching, walk/stoop repairs). Likely passable with targeted fixes; expect a small list of required corrections on an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic renovation (fresh paint, new-looking flooring, updated bathroom). Exterior paint and siding are in generally good condition. Visible minor deferred maintenance: patched/peeling trim at gable, stained/patchy block foundation, cracked front walk/stoop edge. No catastrophic interior damage visible. Missing kitchen appliance photos — listing states 'fitted kitchen' but appliances not shown; absence would moderately reduce readiness but is not a major safety failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "House envelope (siding, windows) generally intact and painted. Block foundation shows staining, patching and minor surface deterioration at base which suggests prior water exposure; grading near foundation not clearly sloped away in photos. Front walkway and stoop show cracking and uneven edges; landscaping is unmaintained but not severe. Rear exterior stairs and railings appear serviceable. Overall sound but requires moderate exterior attention to address moisture/drainage and walk repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "Positive: entry door has a deadbolt, windows appear adequate for bedroom egress, rear stairs have a guardrail, no exposed wiring observed on exterior. Concerns: no visible smoke detectors or carbon monoxide detector in photos (required), no visible GFCI outlet in bathroom (outlet location not shown clearly), evidence of foundation damp staining/efflorescence that may indicate chronic moisture. Porch stoop has an unprotected drop/edge that could be a minor trip/fall hazard. These items create moderate inspection risk but appear fixable."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 68.3,
"rationale": "Exterior roof appears shingled and in serviceable condition with visible venting. Central AC condenser and electrical meter/power conduit are present and look intact; disconnect and wiring appear installed. No water heater, furnace, or HVAC indoor unit shown so operational condition is assumed but unverified. Plumbing fixtures visible and appear functional (bathroom fixtures newly installed). Lack of visible water heater or documentary confirmation reduces certainty but no obvious system failure is shown."
}
],
"red_flags": [
"Evidence of foundation/block staining and patching (efflorescence/water exposure) — potential moisture/drainage issue that needs investigation.",
"No visible smoke detectors or carbon monoxide detector in photos — NSPIRE requires properly installed detectors (failure will likely result in citation).",
"No visible GFCI protection shown in bathroom/kitchen photos — required in wet locations.",
"Water heater/furnace not shown or documented — lack of visible heating/hot water equipment is a risk if absent or nonfunctional."
],
"confidence": 0.94,
"assumptions": [
"Interior heating system and water heater are present and functional though not shown in photos (assumed from presence of AC and renovated interior).",
"Kitchen is fitted as the listing states; specific appliances (stove, fridge) may be present but were not photographed — if missing, these would be moderate-capital items to supply.",
"Smoke detectors and carbon monoxide alarms are not present (none visible in photos) and therefore treated as absent for scoring.",
"No active roof leaks or collapsed ceilings exist beyond shown exterior staining — interior ceilings pictured are intact.",
"Electrical service is assumed to be up-to-code from exterior meter/power conduit appearance; internal panel condition not visible and therefore not downgraded unless shown otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 69.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7582038847"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.