Property ID: 7595402799
2028 Progress St, Birmingham, AL, 35207
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$4,200
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$105,000
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 72.40%
Confidence: 88.00%
This property appears largely move-in ready for a Housing Choice Voucher tenancy after addressing a few code-related items. Cosmetic condition is good overall; kitchen and bath look updated and HVAC equipment is present. Primary inspection risks are missing/unknown carbon monoxide detection (attached garage), unverified GFCI protection in kitchen/bath, and unconfirmed smoke-detector coverage and garage-to-living fire separation. Addressing those items plus minor floor refinishing and site cleanup should allow the property to pass an initial NSPIRE inspection within 1-4 weeks.
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$105,000
Beds
3
Baths
1
Living Area
1,025 sqft
Lot Size
7,405 sqft
Year Built
1965
Days on Market
155
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Diamond in the rough. This fully brick home sits high up on a corner lot with a great view and a nice secluded backyard. Long garage could hold 2 cars, back to back. Home has an unfinished basement, great entertainment space. Fultondale and Gardendale school system. Perfect for first time homebuyers or a profitable investment. This property is conventionally located just minutes from downtown, off Daniel Payne, one highway exit from Walker Chapel shops and restaurants. Great Deal!
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$702
DP3 Annual Estimate$999
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$83
Replacement Value$92,700
Basis1,025 sqft / 1965
Nearby Houses
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Photo unavailable
2217 43rd Ave Lots 17 & 18 and 19
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— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4313 Blanch St N
sold · 0.21 mi
Price: $17,500
3 bd / 1 ba · 1,046 sqft
Latest sale: $17,500 on Apr 05, 2018
Latest rent: —
Photo unavailable
4177 22nd St N
sold · 0.25 mi
Price: $25,000
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Latest sale: $25,000 on Mar 17, 2021
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Photo unavailable
4531 Embry Rd
sold · 0.29 mi
Price: $65,100
4 bd / 3 ba · 3,355 sqft
Latest sale: $65,100 on Apr 12, 2021
Latest rent: —
Photo unavailable
4317 Meridith St N
for_sale · 0.31 mi
Price: $65,000
3 bd / 2 ba · 1,000 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2228 Belmore Ln
sold · 0.32 mi
Price: $122,500
3 bd / 1 ba · 1,059 sqft
Latest sale: $122,500 on Dec 19, 2024
Latest rent: —
Photo unavailable
2238 Belmore Ln
sold · 0.33 mi
Price: $55,000
3 bd / 1 ba · 1,162 sqft
Latest sale: $55,000 on Aug 16, 2018
Latest rent: —
Photo unavailable
2269 Belmore Ln
sold · 0.33 mi
Price: $142,500
4 bd / 2 ba · 1,631 sqft
Latest sale: $142,500 on May 19, 2021
Latest rent: $1,545 on Nov 14, 2025
Photo unavailable
2208 Belmore Ln
sold · 0.34 mi
Price: $35,000
3 bd / 3 ba · 1,822 sqft
Latest sale: $35,000 on Apr 20, 2018
Latest rent: —
Photo unavailable
4804 Hutson Ave
sold · 0.34 mi
Price: $145,000
3 bd / 2 ba · 1,341 sqft
Latest sale: $145,000 on Jan 22, 2024
Latest rent: $1,250 on Mar 18, 2022
Photo unavailable
4804 Yonderhill Dr
sold · 0.36 mi
Price: $75,000
3 bd / 2 ba
Latest sale: $75,000 on Mar 31, 2016
Latest rent: $800 on Mar 07, 2014
Photo unavailable
4728 N Smithfield Dr
for_sale · 0.37 mi
Price: $215,000
3 bd / 2 ba · 1,690 sqft
Latest sale: $152,000 on Apr 17, 2020
Latest rent: —
Photo unavailable
4820 Hutson Ave
sold · 0.39 mi
Price: $295,000
4 bd / 3 ba · 2,635 sqft
Latest sale: $295,000
Latest rent: —
Photo unavailable
4816 Yonderhill Dr
sold · 0.40 mi
Price: $155,000
3 bd / 2 ba · 1,722 sqft
Latest sale: $155,000
Latest rent: —
Photo unavailable
2104 Allen Cir
sold · 0.40 mi
Price: $260,000
3 bd / 3 ba · 5,160 sqft
Latest sale: $260,000
Latest rent: —
Photo unavailable
4829 Marigold Ave
sold · 0.41 mi
Price: $223,000
3 bd / 2 ba · 2,053 sqft
Latest sale: $223,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- No visible carbon monoxide detector (required where attached garage or fuel-burning appliances may be present).
- No visible GFCI protection in kitchen and bathroom outlets (electrical safety/code risk).
- Unfinished basement noted in listing but not photographed — potential unseen safety/habitability issues (e.g., water intrusion, exposed wiring).
Assumptions
- Central HVAC is functioning because supply/return vents and outdoor condensing unit are visible, but no service records or thermostat/readings were provided.
- Electrical panel and water heater are present and in working order though not pictured.
- Smoke detector is likely present in the hallway (small round device visible), but quantity/placement (one per level and outside sleeping areas) is not fully confirmed.
- Carbon monoxide detector(s) are not visible in photos; assume none unless owner provides documentation.
- GFCI protection at kitchen and bathroom outlets is not visible in photos and is assumed absent until confirmed.
- Unfinished basement exists (listing mentions it) but no photos were provided; basement could contain additional safety issues not visible in gallery.
- Front door lockset visible; presence of a deadbolt and self-closing/fire-rating of garage entry door are not confirmed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $978 | $97,700 | $19,540 |
| 2023 | $978 | $97,700 | $19,540 |
| 2022 | $720 | $71,900 | $14,380 |
| 2021 | $720 | $71,900 | $14,380 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-06-03 | Sold | $122,000 |
| 2020-05-18 | Sold | $35,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-11-19 | Listed for rent | $995 | — |
| 2021-12-13 | Listed for rent | $900 | — |
| 2021-01-21 | Listed for rent | $995 | — |
Photo Gallery
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"description": "2269 Belmore Ln\nSplit the payment You reserve the new home by paying 50% of the security deposit now, and the remaining balance before move-in.\n\nWelcome to 2269 Belmore Lane, a charming single-story residence in Birmingham! This home features 4 bedrooms and 2 full bathrooms, offering a generous living area of 1631 square feet. It includes a beautifully designed kitchen, complete with stylish cabinets, stainless steel appliances, and plenty of dining space. The cozy living room provides a comfortable area for relaxation and leisure. The bedrooms are well-sized, equipped with spacious closets, and there's an updated bathroom as well. Step outside to your expansive backyard, surrounded by lush greenery, ideal for outdoor fun and unwinding. Additionally, there's an attached garage with one parking spot. Conveniently located near numerous shops and restaurants, with easy access to I-65 & I-22, and just a short drive from downtown Birmingham and the International Airport. Don't let this amazing opportunity pass you by. Arrange a viewing today!\n_____\n\nRENT WITH MYND\n-Fast Online Application (valid for 30 days)\n-Mobile App to Pay Rent and Track Services\n-Affordable Renter's Insurance\n-Most internet providers charge $80-$120/month for gig speed internet.\nThrough our partner Second Nature, we've negotiated a lower rate of $67.49/month for gig speed internet, which comes with the property and is available upon move in.\nGet more details when you apply.\n\nLease term: 12 or 18 months available. Please Inquire with the Leasing Associate.\n\nSection 8 vouchers accepted\n\nONE-TIME FEES\nNon-refundable $59.00 Application Fee Per Adult\nOne Time Move In Fee $199\n\nREQUIRED MONTHLY CHARGES*\n$1545.00: Base Rent\n$39.95/month: Residents Benefits Package provides residents with on-demand basic pest control, as-needed HVAC air filter delivery, Identity Theft Protection, and access to an exciting rewards program\n\n*Estimated required monthly charges do not include the required costs of utilities or rental insurance, conditional fees including, but not limited to, pet fees, or optional fees.\nCONDITIONAL FEES\nThis is a pet-friendly property! 3 Pets Max; Pet Move-In Fee $199 per pet; Pet Rent per pet varies based on Paw Score. Breed restrictions apply.\n\nMynd Property Management\nEqual Opportunity Housing\nLicense # 000140360-0\n\nMynd Property Management does not advertise on Craigslist or Facebook Marketplace. We will never ask you to wire money or pay with gift cards. Please report any fraudulent ads to your Leasing Associate. Federal Occupancy Guidelines: 2 per bedroom + 1 additional occupant; 2 per studio. Please contact us for move-in policy and available move-in date.",
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"last_status_change_date": "2021-12-17T02:16:31Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2497210",
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},
{
"date": "2021-12-13",
"price": 900,
"listing": {
"status": "off_market",
"list_date": "2021-12-13T19:17:17Z",
"list_price": 900,
"listing_id": "2932150205",
"last_update_date": "2021-12-13T19:17:17Z",
"last_status_change_date": "2021-12-17T02:16:31Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8780487804878049,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
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{
"date": "2021-06-03",
"price": 122000,
"listing": null,
"event_name": "Sold",
"price_sqft": 119.02439024390245,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
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{
"date": "2020-05-18",
"price": 35000,
"listing": {
"status": "sold",
"list_date": "2020-10-27T02:48:57Z",
"list_price": 45000,
"listing_id": "2813284877",
"last_update_date": "2020-05-19T01:09:13Z",
"last_status_change_date": "2020-10-27T02:48:57Z"
},
"event_name": "Sold",
"price_sqft": 34.146341463414636,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "868068",
"price_change_percentage": "-49.93%"
},
{
"date": "2019-11-02",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2019-08-21T00:17:26Z",
"list_price": 60000,
"listing_id": "2584634594",
"last_update_date": "2019-09-27T13:17:23Z",
"last_status_change_date": "2019-11-02T03:44:22Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "73 days",
"source_listing_id": "859872",
"price_change_percentage": null
},
{
"date": "2019-09-09",
"price": 60000,
"listing": {
"status": "off_market",
"list_date": "2019-08-21T00:17:26Z",
"list_price": 60000,
"listing_id": "2584634594",
"last_update_date": "2019-09-27T13:17:23Z",
"last_status_change_date": "2019-11-02T03:44:22Z"
},
"event_name": "Price Changed",
"price_sqft": 58.53658536585366,
"source_name": "GreaterAlabamaMLS",
"price_change": -9900,
"days_after_listed": null,
"source_listing_id": "859872",
"price_change_percentage": null
},
{
"date": "2019-08-21",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2019-08-21T00:17:26Z",
"list_price": 60000,
"listing_id": "2584634594",
"last_update_date": "2019-09-27T13:17:23Z",
"last_status_change_date": "2019-11-02T03:44:22Z"
},
"event_name": "Listed",
"price_sqft": 68.1951219512195,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "859872",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7595402799",
"generated_at": "2026-02-16T02:23:38.663198Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.4
},
"section8_assessment": {
"runs": [
{
"summary": "This property appears largely move-in ready for a Housing Choice Voucher tenancy after addressing a few code-related items. Cosmetic condition is good overall; kitchen and bath look updated and HVAC equipment is present. Primary inspection risks are missing/unknown carbon monoxide detection (attached garage), unverified GFCI protection in kitchen/bath, and unconfirmed smoke-detector coverage and garage-to-living fire separation. Addressing those items plus minor floor refinishing and site cleanup should allow the property to pass an initial NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior shows recent cosmetic updates (paint, bath tile, new vanity) and intact cabinetry; kitchen range present. Hardwood floors show staining/wear and some finish loss in bedrooms that will need sanding/refinish or replacement in spots. Minor trim/baseboard scuffs and floor transition work near kitchen. Exterior brick and porch appear intact. Missing refrigerator in photos but that is a moderate, non-safety issue. Overall mostly cosmetic/finish work, no large visible deferred-maintenance items."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE focus)",
"score": 70.0,
"rationale": "No visible exposed wiring, ceilings intact, guardrail/porch railing present and appears secure, bathroom fixtures look properly installed, windows present in bedrooms. A smoke detector-like device is visible in a hall area but placement/quantity (one per level and outside sleeping areas) cannot be fully confirmed from photos. No carbon monoxide detector is visible (required if there is an attached garage or fuel-burning appliances). GFCI protection at kitchen and bathroom outlets is not visible. Garage is attached under the living area; the interior door (photo) must be fire-rated/self-closing (not verifiable). These unknowns reduce the score — none of the photos show active life-threatening defects, but missing/unknown CO and GFCI are notable code risks to address before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.0,
"rationale": "Central HVAC is evident (supply/return vents inside and an outdoor condensing unit visible exterior) which supports heating/cooling availability. Kitchen range and bathroom plumbing fixtures appear installed and functional; water heater and electrical panel are not pictured so functionality/age are assumptions. Roof visible appears recently updated or metal and in good visual condition in photos. Because major equipment (panel, water heater, full HVAC operation documentation) is not shown the score is tempered but visible components suggest working systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Brick shell and foundation look sound from exterior photos; porch, steps and iron railings appear secure. Long garage and driveway present; garage door intact. Some yard overgrowth and minor driveway cracking/soil/erosion alongside driveway slope to the side - needs cleanup and minor grading. No visible standing water, major foundation cracking or roof failure evident. Overall exterior is in good condition with minor site maintenance required."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible carbon monoxide detector (required where attached garage or fuel-burning appliances may be present).",
"No visible GFCI protection in kitchen and bathroom outlets (electrical safety/code risk).",
"Unfinished basement noted in listing but not photographed — potential unseen safety/habitability issues (e.g., water intrusion, exposed wiring)."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is functioning because supply/return vents and outdoor condensing unit are visible, but no service records or thermostat/readings were provided.",
"Electrical panel and water heater are present and in working order though not pictured.",
"Smoke detector is likely present in the hallway (small round device visible), but quantity/placement (one per level and outside sleeping areas) is not fully confirmed.",
"Carbon monoxide detector(s) are not visible in photos; assume none unless owner provides documentation.",
"GFCI protection at kitchen and bathroom outlets is not visible in photos and is assumed absent until confirmed.",
"Unfinished basement exists (listing mentions it) but no photos were provided; basement could contain additional safety issues not visible in gallery.",
"Front door lockset visible; presence of a deadbolt and self-closing/fire-rating of garage entry door are not confirmed."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be in the 'minor repairs' category for Section 8 / NSPIRE readiness. The house shows recent cosmetic updates, functioning kitchen range, a present HVAC system (outdoor unit visible), and a renovated bathroom. Primary issues that could block an initial inspection are lack of visible/confirmed smoke and CO detectors, possible missing GFCI protection at kitchen sink, and unverified bedroom egress sizes and door deadbolt. The unfinished basement represents a potential but unconfirmed moisture/mechanical risk. Most required corrections appear to be minor/straightforward (install detectors, add GFCI, confirm/upgrade locks, small flooring touchups, clear landscaping) and the property is likely rentable within ~30 days pending verification/repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently painted and floors/refinish present but have visible staining and wear in bedrooms and living areas. Kitchen has an installed range and cabinets (painted) and bathroom appears renovated (new tub surround, vanity). No refrigerator shown but stove present. Exterior brick looks structurally intact. Observable repair needs are mostly cosmetic (floor refinishing, cabinet touch-ups, minor trim/baseboard gaps, landscaping, driveway cleaning/patch). No evidence of major deferred maintenance in photos."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious active hazards photographed (no exposed wiring, no visible ceiling collapse, no visible mold). Interior shows ceiling HVAC vents and a round detector-like device in a hallway (not definitively a working smoke alarm). Carbon monoxide detector not visible in photos. Kitchen GFCI outlet not visible by sink area (kitchen outlets not clearly shown) — potential NSPIRE/GFCI issue. Bedroom windows appear modest-sized; egress adequacy cannot be fully confirmed from images (small horizontal slider windows may be borderline). Front entry door has a knob; a deadbolt is not clearly visible. Porch has metal railings but guardrail continuity and step/handrail condition need confirmation. Overall moderate compliance risk: likely fixable with small installs (smoke/CO detectors, GFCI) but needs verification of egress and locks."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Exterior photo shows an outdoor condensing unit and interior ceiling vents, indicating central HVAC present. Roof appears to be metal or in good visible condition from photos with no sagging or active leak evidence. No electrical panel, water heater, or furnace photos provided so their condition is unknown. Bathroom fixtures and kitchen range appear functional. Unfinished basement (listed) may conceal mechanical or moisture issues not visible; based on visible components, major systems appear present but not fully verifiable."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.0,
"rationale": "Brick exterior is intact and looks well-maintained. Property sits elevated with a drive-to-garage and long garage noted; garage door present. Walkway and driveway show wear, staining and some cracking; grass and landscaping are overgrown and will need maintenance. Porch stairs and decorative metal railings are present; curb/step transitions and slope may present trip risk that should be checked. No visible evidence of active roof leaks, large foundation cracks or infestation in provided photos."
},
{
"key": "rental_history_activity",
"label": "Rental History / 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": [
"No clearly visible carbon monoxide detector in listing photos — CO detector may be required depending on local code and fuel-burning appliances.",
"GFCI protection at kitchen sink not visible in photos — potential NSPIRE failure if not present.",
"Bedroom window sizes/egress not verifiable from images — potential egress compliance issue.",
"Unfinished basement (not imaged) represents an unknown moisture/structural/mechanical exposure that must be inspected before leasing.",
"Front walkway/driveway shows uneven surfaces and slope that could be a trip hazard and should be smoothed/cleaned."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is operational because ceiling vents are visible and an exterior condensing unit is present; no HVAC service records were provided.",
"Electrical panel, water heater, and furnace locations/conditions are not visible; assumed functional unless inspection finds otherwise.",
"Smoke detector presence is uncertain — a round device in a hallway could be a detector, but functionality and placement (bedrooms, hallways) is not confirmed.",
"Carbon monoxide detector is not visible in photos; assume none are installed or not visible and will need verification.",
"Bedroom window egress meets local minimums is uncertain from photos; assume at least one bedroom may be borderline and should be measured.",
"Unfinished basement may have moisture or mechanical issues not visible in photos; assumed moderate risk but not actively failing given no visible exterior evidence of severe water intrusion."
],
"overall_score": 74.0,
"rubric_version": "ns-pire-v1.0"
},
{
"summary": "Overall this 3BR/1BA brick home appears in generally good cosmetic condition with functional kitchen and bath, central HVAC equipment visible, and a solid exterior — it is likely to be rent‑ready for Section 8 after addressing a few minor items. Primary NSPIRE risks to verify and correct before inspection: ensure adequate smoke detectors (required locations), install carbon monoxide alarm if required locally, confirm GFCI protection at kitchen/bath outlets, and verify that all bedrooms have compliant egress windows. Cosmetic flooring refinishing, threshold/trim repairs and minor exterior cleanup will speed approval. Expect 1–4 weeks of work to reach a confident pass (likely within 30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior appears recently painted and generally clean. Kitchen has stove and sink installed, bathroom appears renovated. Visible deferred items are cosmetic: stained/discolored hardwood floors with localized wear, missing base/threshold trim at kitchen entry, a paint can left on floor and minor cabinet touch‑ups. No major interior finish collapse or widespread deterioration visible. Missing refrigerator not shown but stove present; this would be a moderate, easy-to-fix item."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance (NSPIRE risk)",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos: no exposed wiring, no collapsed ceilings, stair railings present on front entry. A round smoke detector is visible in a hallway photo but number/location of detectors (in bedrooms and outside sleeping areas) cannot be fully confirmed. No carbon monoxide alarm is visible. GFCI outlet presence at kitchen sink not visible. Some bedroom windows are high-sill/horizontal sliders and may not meet egress size requirements — bedroom egress is uncertain from photos. These unknowns (smoke/CO/GFCI/egress) create moderate NSPIRE inspection risk but are generally fixable prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof)",
"score": 70.0,
"rationale": "Outdoor HVAC condenser is visible at the side of the house, indicating central heating/AC likely present. Kitchen stove and plumbing fixtures (kitchen sink, bathroom tub/sink/toilet) are installed. Roof edge and soffit appear intact in exterior photos with no obvious sagging or active leaks. Electrical panel and water heater not photographed; no visible knob-and-tube, open splices, or severe plumbing failures. Because some systems (water heater, electrical panel condition, HVAC functionality) are unverified, score reflects likely functional systems but with standard verification recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.0,
"rationale": "Solid brick exterior and covered porch with guardrails present. Driveway and walkway show age and surface cracking but appear serviceable. Yard is overgrown and slope/graded embankment at right side of approach suggests minor erosion control/landscaping work. Garage appears intact and accessible. No visible standing water, major foundation cracks, or exterior structural sagging in photos."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational because an outdoor condenser unit is visible; full HVAC function (heat/cool) not directly tested from photos.",
"Water heater and hot water are present and serviceable though not pictured; no active leaks were visible in interior photos.",
"Electrical panel is intact and grounded; no exposed live wiring observed in photos but panel condition is unverified.",
"Bedrooms may have windows that were replaced or updated; egress compliance is uncertain based on photos and must be measured on site.",
"Unfinished basement exists per listing; assumed to be non-occupied storage space but could introduce moisture/inspection items not visible in provided photos.",
"Missing items not pictured (refrigerator, microwave) are assumed to be landlord-supplied or replaced before tenancy; missing refrigerator alone would be a moderate, easily remedied item."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2028 Progress St, Birmingham, AL, 35207",
"aggregate": {
"summary": "This property appears largely move-in ready for a Housing Choice Voucher tenancy after addressing a few code-related items. Cosmetic condition is good overall; kitchen and bath look updated and HVAC equipment is present. Primary inspection risks are missing/unknown carbon monoxide detection (attached garage), unverified GFCI protection in kitchen/bath, and unconfirmed smoke-detector coverage and garage-to-living fire separation. Addressing those items plus minor floor refinishing and site cleanup should allow the property to pass an initial NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Interior shows recent cosmetic updates (paint, bath tile, new vanity) and intact cabinetry; kitchen range present. Hardwood floors show staining/wear and some finish loss in bedrooms that will need sanding/refinish or replacement in spots. Minor trim/baseboard scuffs and floor transition work near kitchen. Exterior brick and porch appear intact. Missing refrigerator in photos but that is a moderate, non-safety issue. Overall mostly cosmetic/finish work, no large visible deferred-maintenance items."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 74.7,
"rationale": "Brick shell and foundation look sound from exterior photos; porch, steps and iron railings appear secure. Long garage and driveway present; garage door intact. Some yard overgrowth and minor driveway cracking/soil/erosion alongside driveway slope to the side - needs cleanup and minor grading. No visible standing water, major foundation cracking or roof failure evident. Overall exterior is in good condition with minor site maintenance required."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years) - bonus",
"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 Risks (NSPIRE focus)",
"score": 66.7,
"rationale": "No visible exposed wiring, ceilings intact, guardrail/porch railing present and appears secure, bathroom fixtures look properly installed, windows present in bedrooms. A smoke detector-like device is visible in a hall area but placement/quantity (one per level and outside sleeping areas) cannot be fully confirmed from photos. No carbon monoxide detector is visible (required if there is an attached garage or fuel-burning appliances). GFCI protection at kitchen and bathroom outlets is not visible. Garage is attached under the living area; the interior door (photo) must be fire-rated/self-closing (not verifiable). These unknowns reduce the score — none of the photos show active life-threatening defects, but missing/unknown CO and GFCI are notable code risks to address before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 71.7,
"rationale": "Central HVAC is evident (supply/return vents inside and an outdoor condensing unit visible exterior) which supports heating/cooling availability. Kitchen range and bathroom plumbing fixtures appear installed and functional; water heater and electrical panel are not pictured so functionality/age are assumptions. Roof visible appears recently updated or metal and in good visual condition in photos. Because major equipment (panel, water heater, full HVAC operation documentation) is not shown the score is tempered but visible components suggest working systems."
}
],
"red_flags": [
"No visible carbon monoxide detector (required where attached garage or fuel-burning appliances may be present).",
"No visible GFCI protection in kitchen and bathroom outlets (electrical safety/code risk).",
"Unfinished basement noted in listing but not photographed — potential unseen safety/habitability issues (e.g., water intrusion, exposed wiring)."
],
"confidence": 0.88,
"assumptions": [
"Central HVAC is functioning because supply/return vents and outdoor condensing unit are visible, but no service records or thermostat/readings were provided.",
"Electrical panel and water heater are present and in working order though not pictured.",
"Smoke detector is likely present in the hallway (small round device visible), but quantity/placement (one per level and outside sleeping areas) is not fully confirmed.",
"Carbon monoxide detector(s) are not visible in photos; assume none unless owner provides documentation.",
"GFCI protection at kitchen and bathroom outlets is not visible in photos and is assumed absent until confirmed.",
"Unfinished basement exists (listing mentions it) but no photos were provided; basement could contain additional safety issues not visible in gallery.",
"Front door lockset visible; presence of a deadbolt and self-closing/fire-rating of garage entry door are not confirmed."
],
"score_method": "mean_of_criteria",
"overall_score": 72.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7595402799"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.