Property ID: 7596019873
1930 Dartmouth Ave, Bessemer, AL, 35020
Bessemer, AL
Money Down: $31,176
CoC Return: -1.08%
Monthly Cash Flow: $-28
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,980
Closing Costs
$5,196
Total Down
$31,176
Investment Snapshot
Purchase Price
$129,900
Money Down
$31,176
Cash-on-Cash Return
-1.08%
Rent
$1,044
Monthly Cash Flow
$-28
Annual Cash Flow
$-337
Debt Service / Mo
$691
Property Tax / Mo
$182
Insurance / Mo
$95
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,044
Payment Standard
$1,419
Rent
$1,044
Insurance
$95
Property Tax
$182
Management
$104
Utilities Allowance
$375
NOI (Monthly)
$663
Debt Service
$691
Cash Flow After Debt
$-28
Quality Score: 62.00%
Confidence: 88.00%
This century-old brick bungalow presents as a solid, rentable candidate with mostly cosmetic and age-related repairs required. The primary inspection risks are window security bars that may block emergency egress, lack of visible smoke/CO detectors, and the unknown condition of the HVAC/electrical/plumbing systems (common in older homes). Expected path to pass an initial HCV/NSPIRE inspection: address egress/security-bar compliance or add quick-release mechanisms, install/verify smoke and CO alarms, remediate minor water intrusion evidence and peeling trim, and verify/repair mechanical systems as needed. With these actions the property should be rentable; as-is it carries moderate inspection risk.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$375
Guaranteed Section 8 Rent (PS - Utilities)
$1,044
Property Management
$104
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,900
Beds
3
Baths
2
Living Area
2,173 sqft
Lot Size
18,295 sqft
Year Built
1925
Days on Market
100
Capital Outlay
$31,176
Debt Service
$691
Property Tax / Mo
$182
Insurance / Mo
$95
Property Description
One hundred-year-old full brick home in historic Bessemer, it has stayed in the family since it was built. this 3-bedroom 2 bath home is full of charm and character. It features a formal living room with brick fireplace, formal dining room, kitchen with breakfast bar and eating area, laundry room with plenty of shelves. Nice office / study off of dining room, deck has a large sunroom. Basement features a 1 car garage, plenty of storage, large corner lot with fenced yard and has an extra lot behind it. Has alarm system. Needs some TLC. Photos to come.
Utility Allowances
Heating
$38
Property has natural gas heating. Spire is the primary natural gas provider in the Bessemer area.
Cooking
$14
Property has an electric cooktop. The 'Elec: Bessemer' schedule is used as the property is located in Bessemer.
Water Heating
$35
Property has a gas water heater. Spire is the primary natural gas provider in the Bessemer area.
Water
$68
Property uses public water. The 'Water: Bessemer' schedule is used as the property is located in Bessemer.
Sewer
$151
Property is connected to the public sewer system. The allowance is based on the fixed rate for a 3-bedroom unit from the schedule.
Cooling
$15
Property has electric central air. The 'A/C: Bessemer' schedule is used as the property is located in Bessemer.
Other Electric
$48
This covers general electricity for lights and landlord-provided appliances. 'Lights, Ref, Etc.: Bessemer' is chosen based on the property's location.
Range/Microwave
$6
A microwave is not mentioned as a provided appliance, so it is assumed to be tenant-owned and an allowance is provided.
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$967
DP3 Annual Estimate$1,304
DP1 Monthly Equivalent$81
DP3 Monthly Equivalent$109
Replacement Value$148,900
Basis2,173 sqft / 1925
Nearby Houses
Photo unavailable
2000 Dartmouth Ave
sold · 0.04 mi
Price: $282,500
5 bd / 3 ba · 3,869 sqft
Latest sale: $282,500 on Nov 05, 2020
Latest rent: —
Photo unavailable
1911 Dartmouth Ave
sold · 0.06 mi
Price: $135,000
3 bd / 2 ba · 1,584 sqft
Latest sale: $135,000 on Oct 19, 2023
Latest rent: —
Photo unavailable
2001 Dartmouth Ave
for_sale · 0.06 mi
Price: $139,000
4 bd / 3 ba · 3,378 sqft
Latest sale: $239,916
Latest rent: —
Photo unavailable
415 19th St S
sold · 0.09 mi
Price: $85,000
4 bd / 2 ba · 2,426 sqft
Latest sale: $85,000 on Nov 25, 2025
Latest rent: $1,300 on Dec 05, 2025
Photo unavailable
419 19th St
for_sale · 0.10 mi
Price: $69,900
3 bd / 2 ba · 1,430 sqft
Latest sale: $48,945 on Nov 21, 2014
Latest rent: $1,050 on Jan 26, 2026
Risk and Criteria Detail
Red Flags
- success
- Metal security bars on windows and a metal security door that may block emergency egress if not equipped with a quick-release mechanism (potential automatic fail).
- No visible smoke detectors or CO alarms shown in photos (required by NSPIRE).
- Ceiling staining/patching above living area consistent with prior or ongoing water intrusion—requires investigation.
- Concrete front walkway has uneven cracking/patch repairs that create a trip hazard for tenants and inspectors.
- Peeling/failed porch fascia and eaves wood that could indicate localized rot or water infiltration risk.
Assumptions
- No smoke or carbon monoxide detectors are installed or they are not visible in photos; at least smoke detectors are required in hallways/each sleeping area per NSPIRE.
- Window security bars shown are fixed or not clearly quick-release; therefore they present a probable egress compliance issue unless proven otherwise.
- Major systems (HVAC, water heater, electrical panel) are present but their operational condition is unknown because they are not pictured; normal wear expected for a 1925 house.
- Kitchen appliances are at least partially present (a white refrigerator is visible in background); stove/oven condition not verified.
- No recent rental history in the last 5 years (rental_history_last_5y indicated missing) and therefore no rental-activity bonus applied.
- Ceiling discoloration is interpreted as evidence of prior or intermittent water intrusion; no active leak visible in provided photos but further investigation recommended.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $2,117 | $161,200 | $32,240 |
| 2023 | $2,117 | $154,100 | $30,820 |
| 2022 | $1,575 | $114,700 | $22,940 |
| 2021 | $1,575 | $114,700 | $22,940 |
| 2020 | $1,575 | $114,700 | $22,940 |
| 2019 | $1,575 | $114,700 | $22,940 |
| 2018 | $1,352 | $98,400 | $19,680 |
| 2017 | $1,353 | $98,500 | $19,700 |
| 2016 | $1,353 | $98,500 | $19,700 |
| 2010 | $585 | $98,500 | $9,850 |
| 2009 | $585 | $98,500 | $9,850 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Relisted | $129,900 |
| 2026-02-10 | Listing removed | $0 |
| 2025-11-08 | Listed | $129,900 |
Photo Gallery
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{
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},
{
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"eligible": true,
"min_score": 60.0,
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"rent_price": 1044.0,
"loan_amount": 103920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1930-Dartmouth-Ave_Bessemer_AL_35020_M75960-19873",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 129900.0,
"loan_term_years": 30,
"annual_cash_flow": 7959.19,
"mortgage_monthly": 691.38,
"payment_standard": 1419.0,
"total_amount_out": 25980.0,
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"property_tax_rate": 0.0060999999999999995,
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"effective_date": "2026-01-01"
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{
"note": "Property has natural gas heating. Spire is the primary natural gas provider in the Bessemer area.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property has an electric cooktop. The 'Elec: Bessemer' schedule is used as the property is located in Bessemer.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Property has a gas water heater. Spire is the primary natural gas provider in the Bessemer area.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "Property uses public water. The 'Water: Bessemer' schedule is used as the property is located in Bessemer.",
"utility": "Water",
"allowance": 68
},
{
"note": "Property is connected to the public sewer system. The allowance is based on the fixed rate for a 3-bedroom unit from the schedule.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Property has electric central air. The 'A/C: Bessemer' schedule is used as the property is located in Bessemer.",
"utility": "Cooling",
"allowance": 15
},
{
"note": "This covers general electricity for lights and landlord-provided appliances. 'Lights, Ref, Etc.: Bessemer' is chosen based on the property's location.",
"utility": "Other Electric",
"allowance": 48
},
{
"note": "A microwave is not mentioned as a provided appliance, so it is assumed to be tenant-owned and an allowance is provided.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.31,
"down_payment_amount": 25980.0,
"property_tax_annual": 2180.51,
"property_tax_monthly": 181.71,
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"utility_allowance_total": 375.0,
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"_fetched_payment_standard": {
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"effective_date": "2026-01-01"
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"property_management_monthly": 104.4,
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"runs": [
{
"summary": "This century-old brick bungalow presents as a solid, rentable candidate with mostly cosmetic and age-related repairs required. The primary inspection risks are window security bars that may block emergency egress, lack of visible smoke/CO detectors, and the unknown condition of the HVAC/electrical/plumbing systems (common in older homes). Expected path to pass an initial HCV/NSPIRE inspection: address egress/security-bar compliance or add quick-release mechanisms, install/verify smoke and CO alarms, remediate minor water intrusion evidence and peeling trim, and verify/repair mechanical systems as needed. With these actions the property should be rentable; as-is it carries moderate inspection risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior and interior photos show a largely intact, well-built 1925 brick bungalow with generally clean interior finishes and intact trim. Observable deferred maintenance: peeling/failed paint on porch fascia and eaves, overgrown foundation shrubs, worn carpeting, some ceiling discoloration/patching above living area, cracked/uneven sidewalk patch at the front walk, and exterior metal security bars/door. Listing notes 'needs some TLC.' Missing or older-looking fixtures and cosmetic repairs are present but no widespread visible collapse or structural failure. Missing appliances would be a moderate deduction but a white refrigerator is visible in the kitchen area; stove condition not clearly shown."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 50.0,
"rationale": "Visible safety concerns that could cause an initial NSPIRE fail: metal security bars on multiple front windows and the security door — these may prevent emergency egress from sleeping rooms if they are not quick-release (cannot confirm quick-release mechanisms in photos). No smoke detectors or CO alarms are visible in photos (required). Front steps have a handrail but the concrete front walkway has a noticeable uneven patched area (trip hazard). No exposed wiring is visible. GFCI outlets, electrical panel, bedroom egress window functionality and presence of functioning hot water/working plumbing cannot be confirmed from photos and should be verified. Because window bars and missing/unclear alarm devices are commonly an automatic fail if not compliant, this criterion is scored conservatively."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 55.0,
"rationale": "Roof and chimneys appear intact from exterior photos with no visible sagging or major missing shingles; gutters and downspouts are present. No HVAC equipment, thermostat or register locations are shown in the photos and the heating/cooling system condition cannot be confirmed. Likewise, the electrical panel, water heater and plumbing fixtures are not pictured. There is a ceiling discoloration which may indicate a prior roof or plumbing leak that should be investigated. Given the house age (1925) expect older mechanical systems that may need servicing; however there are no obvious catastrophic system failures visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Large corner lot with fenced yard and extra lot behind shown — positive for tenant use. Brick exterior looks structurally sound; foundation appears intact with accessible basement windows/garage. Vegetation is overgrown near foundation in places and should be trimmed. Concrete path has cracking/patching creating a localized trip hazard. Porch flooring and steps appear serviceable; porch ceiling wood looks intact. Peeling paint and deteriorated fascia/soffits could allow water intrusion over time and need repair. No visible standing water, collapsed features, or obvious infestation seen in the photos."
}
],
"red_flags": [
"Metal security bars on windows and a metal security door that may block emergency egress if not equipped with a quick-release mechanism (potential automatic fail).",
"No visible smoke detectors or CO alarms shown in photos (required by NSPIRE).",
"Ceiling staining/patching above living area consistent with prior or ongoing water intrusion—requires investigation.",
"Concrete front walkway has uneven cracking/patch repairs that create a trip hazard for tenants and inspectors.",
"Peeling/failed porch fascia and eaves wood that could indicate localized rot or water infiltration risk."
],
"confidence": 0.6,
"assumptions": [
"No smoke or carbon monoxide detectors are installed or they are not visible in photos; at least smoke detectors are required in hallways/each sleeping area per NSPIRE.",
"Window security bars shown are fixed or not clearly quick-release; therefore they present a probable egress compliance issue unless proven otherwise.",
"Major systems (HVAC, water heater, electrical panel) are present but their operational condition is unknown because they are not pictured; normal wear expected for a 1925 house.",
"Kitchen appliances are at least partially present (a white refrigerator is visible in background); stove/oven condition not verified.",
"No recent rental history in the last 5 years (rental_history_last_5y indicated missing) and therefore no rental-activity bonus applied.",
"Ceiling discoloration is interpreted as evidence of prior or intermittent water intrusion; no active leak visible in provided photos but further investigation recommended."
],
"overall_score": 60.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This historic 1925 brick bungalow appears structurally intact and cosmetically serviceable; it is likely to pass an initial HUD NSPIRE inspection after addressing a handful of moderate items. Primary issues to resolve before inspection: install/verify smoke and CO detectors, confirm bedroom egress (remove or provide quick-release for window/security bars if they block escape), remediate peeling exterior paint (lead-risk assessment and repair required for pre-1978 construction), verify HVAC, water heater and electrical panel operation, and complete minor exterior trim paint and site maintenance (shrub trimming, sidewalk trip-hazard repair). With those items completed (most are small-to-moderate fixes and a lead-paint repair if required), the property should be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show generally intact finishes: clean living/dining areas, carpet in place, functioning light fixtures, and an intact porch. Exterior brick envelope appears sound. Observable deferred maintenance includes peeling/failed paint on eaves and trim, overgrown shrubs at foundation, some sidewalk cracking, and an interior ceiling area with discoloration/patching (possible old water stain). Listing states 'needs some TLC.' A refrigerator is visible in the kitchen; stove not clearly shown. Missing or aging cosmetic items and trim paint/drainage issues reduce score moderately but no extensive visible structural or finish collapse."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 55.0,
"rationale": "Several inspection-risk items are either visible or cannot be confirmed: no smoke or carbon monoxide detectors are visible in the photos (required), window security bars are present on front windows and may impede emergency egress unless they are quick-release (not shown), and exterior wood trim shows peeling paint (property was built 1925 — potential lead-paint risk). Porch steps have a handrail, which is good. No exposed wiring, collapsed ceilings, or active standing water were observed. Bedroom egress windows and interior stair/guard conditions cannot be confirmed from provided images. These unknowns and the visible egress/security-bar concern create moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Major systems (HVAC, electrical panel, water heater, plumbing) are not shown in the photos. The roof appears intact at a glance (shingles present, no obvious sagging), and gutters are installed. Lights are functioning in rooms photographed, suggesting live electrical circuits, but the panel condition and presence of GFCI outlets in kitchen/baths are unconfirmed. No visible evidence of active leaks or severe water damage inside apart from a ceiling patch/stain. Because critical systems are unverified from photos but the house shows no overt signs of catastrophic failure, score is mid-range pending mechanical verification and testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Large corner lot with fenced yard and additional lot behind is a positive. Brick exterior appears sound with no large masonry cracks visible. Gutters are present. Shrubbery is overgrown and touches the foundation in places — a maintenance and potential moisture concern. Sidewalk shows cracking and a patched/discolored area. Porch and steps look functional; metal security door present. Overall the envelope and site are serviceable but need trimming, paint on trim, and minor concrete repair."
}
],
"red_flags": [
"Peeling exterior trim paint on eaves and fascia — potential lead-based paint hazard (year built 1925).",
"Window security bars on front windows that may impede emergency egress unless quick-release provided.",
"No smoke or carbon monoxide detectors visible in photos (required by NSPIRE).",
"Mechanical systems (heating, electrical panel, water heater) not shown/verified — must be tested before inspection."
],
"confidence": 0.65,
"assumptions": [
"Interior mechanical systems (furnace/AC, water heater, electrical panel) are present but were not photographed; their functionality is unconfirmed.",
"Refrigerator is visible in kitchen photos; a cooking range/stove is not clearly visible but may exist behind camera angles—missing stove would be a moderate, fixable issue.",
"Window security bars are fixed from exterior photos; it is unknown whether they have quick-release mechanisms for emergency egress.",
"No active roof leaks or major structural movement observed; ceiling discoloration appears to be an older stain/patch rather than an active leak.",
"No smoke or CO detectors are visible in photos; assume they are not installed or not visible and therefore need verification/installation.",
"Given year built (1925), painted surfaces may contain lead-based paint and peeling exterior trim should be treated as potential lead-risk until tested."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Moderate readiness for Section 8/NSPIRE: property is structurally intact and primarily needs cosmetic repairs and system verification. Key inspection risks are missing/unclear smoke and CO detectors, window security bars that may block egress, ceiling staining that could indicate water intrusion, and lack of visible HVAC/equipment photos. With targeted checks and modest repairs (verify/install detectors, confirm egress hardware, address ceiling leak sources if active, trim shrubs, repair peeling trim and sidewalk), the home is likely to pass an initial HCV inspection within 30–60 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior photos show generally intact finishes, functioning doors, and lived-in furnishings. Carpets and trim appear older but serviceable; kitchen cabinets look dated but installed; a refrigerator is visible in the kitchen. Exterior shows peeling paint on porch trim and soffits, and a cracked/patched sidewalk. Listing notes 'needs some TLC' which aligns with cosmetic and finish-level work rather than major rehab. Missing or older appliances are not evident except the stove is not clearly shown; treated as a moderate, easy-to-fix item. Overall condition indicates primarily cosmetic and medium-effort repairs rather than structural replacement."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 50.0,
"rationale": "Several NSPIRE-relevant items are unclear or potentially non-compliant from the photos: no smoke/CO detectors are visible (required), many ground-floor windows and the front entry have security bars/metal grillwork that could impede emergency egress unless they have quick-release mechanisms (not shown), and there are ceiling discoloration/patch areas in living spaces that could indicate past or current water intrusion. The front porch and entry have a single central handrail on the steps which may or may not meet local handrail/guardrail configuration requirements. No exposed wiring is visible, and the entry door appears secured with a security door; however GFCI outlets in the kitchen/bath are not visible. These combined unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 50.0,
"rationale": "Photos do not clearly show HVAC equipment, electrical panel, water heater, or plumbing connections. The house is older (1925) so systems may be original or updated but age increases risk. Roof and gutters appear largely intact from exterior photos though fascia/soffit paint is peeling; no active roof collapse is visible. The basement/garage areas and foundation are visible at the side and appear intact but basement moisture risk is possible (limited photos). Because major systems are not documented visually and the property age elevates likelihood of older components, score reflects moderate uncertainty and the likely need for system checks (furnace, A/C, electrical, water heater)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior appears structurally sound and the lot is large and fenced which is favorable. Walkways show cracking and a patched area (trip hazard). Shrubbery is overgrown in places and soffit/fascia paint is peeling requiring maintenance. Gutters and downspouts are present. No visible standing water or obvious foundation displacement in provided photos. Overall the exterior is in fair to good condition with routine maintenance and minor repairs needed."
}
],
"red_flags": [
"No visible smoke/CO detectors in photos — immediate NSPIRE failure risk if absent.",
"Security window/grill bars on first-floor windows and basement windows that could obstruct emergency egress unless quick-release hardware is present.",
"Ceiling discoloration/patches in living areas — possible active or prior water intrusion requiring investigation.",
"Peeling exterior trim on fascia/soffits on a 1925 house — potential lead-based paint risk that must be assessed and remediated if present.",
"No visible HVAC or mechanical equipment in provided photos — HVAC absence or inoperability is a major inspection risk and must be confirmed."
],
"confidence": 0.65,
"assumptions": [
"No rental history in last 5 years per snapshot (rental_history_last_5y.status = 'missing'); rental_history_activity excluded from scoring.",
"A refrigerator is visible in the kitchen; a stove/oven is not clearly visible — assumed present or replaceable without major work.",
"Central heating/AC equipment is not shown in photos; assume a heating system exists but its condition is unknown and needs verification.",
"Smoke and carbon monoxide detectors are not visible in the photos; assume they are absent or need replacement to meet NSPIRE unless confirmed otherwise.",
"Window and basement security bars are assumed to be fixed-type unless quick-release mechanisms are confirmed; this elevates egress risk.",
"Ceiling discoloration/patching in living area is assumed to be evidence of past or potential water intrusion that requires investigation.",
"No obvious large-scale structural movement (sagging rooflines, major foundation cracks) is visible in photos; assume foundation is generally intact but needs inspection due to age.",
"Electrical panel, water heater, and HVAC operation are unknown and assumed to require inspection and likely minor repairs or servicing."
],
"overall_score": 60.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1930 Dartmouth Ave, Bessemer, AL, 35020",
"aggregate": {
"summary": "This century-old brick bungalow presents as a solid, rentable candidate with mostly cosmetic and age-related repairs required. The primary inspection risks are window security bars that may block emergency egress, lack of visible smoke/CO detectors, and the unknown condition of the HVAC/electrical/plumbing systems (common in older homes). Expected path to pass an initial HCV/NSPIRE inspection: address egress/security-bar compliance or add quick-release mechanisms, install/verify smoke and CO alarms, remediate minor water intrusion evidence and peeling trim, and verify/repair mechanical systems as needed. With these actions the property should be rentable; as-is it carries moderate inspection risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Exterior and interior photos show a largely intact, well-built 1925 brick bungalow with generally clean interior finishes and intact trim. Observable deferred maintenance: peeling/failed paint on porch fascia and eaves, overgrown foundation shrubs, worn carpeting, some ceiling discoloration/patching above living area, cracked/uneven sidewalk patch at the front walk, and exterior metal security bars/door. Listing notes 'needs some TLC.' Missing or older-looking fixtures and cosmetic repairs are present but no widespread visible collapse or structural failure. Missing appliances would be a moderate deduction but a white refrigerator is visible in the kitchen area; stove condition not clearly shown."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.3,
"rationale": "Large corner lot with fenced yard and extra lot behind shown — positive for tenant use. Brick exterior looks structurally sound; foundation appears intact with accessible basement windows/garage. Vegetation is overgrown near foundation in places and should be trimmed. Concrete path has cracking/patching creating a localized trip hazard. Porch flooring and steps appear serviceable; porch ceiling wood looks intact. Peeling paint and deteriorated fascia/soffits could allow water intrusion over time and need repair. No visible standing water, collapsed features, or obvious infestation seen in the photos."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 51.7,
"rationale": "Visible safety concerns that could cause an initial NSPIRE fail: metal security bars on multiple front windows and the security door — these may prevent emergency egress from sleeping rooms if they are not quick-release (cannot confirm quick-release mechanisms in photos). No smoke detectors or CO alarms are visible in photos (required). Front steps have a handrail but the concrete front walkway has a noticeable uneven patched area (trip hazard). No exposed wiring is visible. GFCI outlets, electrical panel, bedroom egress window functionality and presence of functioning hot water/working plumbing cannot be confirmed from photos and should be verified. Because window bars and missing/unclear alarm devices are commonly an automatic fail if not compliant, this criterion is scored conservatively."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 55.0,
"rationale": "Roof and chimneys appear intact from exterior photos with no visible sagging or major missing shingles; gutters and downspouts are present. No HVAC equipment, thermostat or register locations are shown in the photos and the heating/cooling system condition cannot be confirmed. Likewise, the electrical panel, water heater and plumbing fixtures are not pictured. There is a ceiling discoloration which may indicate a prior roof or plumbing leak that should be investigated. Given the house age (1925) expect older mechanical systems that may need servicing; however there are no obvious catastrophic system failures visible."
}
],
"red_flags": [
"Metal security bars on windows and a metal security door that may block emergency egress if not equipped with a quick-release mechanism (potential automatic fail).",
"No visible smoke detectors or CO alarms shown in photos (required by NSPIRE).",
"Ceiling staining/patching above living area consistent with prior or ongoing water intrusion—requires investigation.",
"Concrete front walkway has uneven cracking/patch repairs that create a trip hazard for tenants and inspectors.",
"Peeling/failed porch fascia and eaves wood that could indicate localized rot or water infiltration risk."
],
"confidence": 0.88,
"assumptions": [
"No smoke or carbon monoxide detectors are installed or they are not visible in photos; at least smoke detectors are required in hallways/each sleeping area per NSPIRE.",
"Window security bars shown are fixed or not clearly quick-release; therefore they present a probable egress compliance issue unless proven otherwise.",
"Major systems (HVAC, water heater, electrical panel) are present but their operational condition is unknown because they are not pictured; normal wear expected for a 1925 house.",
"Kitchen appliances are at least partially present (a white refrigerator is visible in background); stove/oven condition not verified.",
"No recent rental history in the last 5 years (rental_history_last_5y indicated missing) and therefore no rental-activity bonus applied.",
"Ceiling discoloration is interpreted as evidence of prior or intermittent water intrusion; no active leak visible in provided photos but further investigation recommended."
],
"score_method": "mean_of_criteria",
"overall_score": 62.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7596019873"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.