Property ID: 7604148924
114 N Main St, Graysville, AL, 35073
Graysville, AL
Money Down: $26,880
CoC Return: 16.45%
Monthly Cash Flow: $368
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,400
Closing Costs
$4,480
Total Down
$26,880
Investment Snapshot
Purchase Price
$112,000
Money Down
$26,880
Cash-on-Cash Return
16.45%
Rent
$1,200
Monthly Cash Flow
$368
Annual Cash Flow
$4,421
Debt Service / Mo
$596
Property Tax / Mo
$61
Insurance / Mo
$54
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,200
Payment Standard
$1,518
Rent
$1,200
Insurance
$54
Property Tax
$61
Management
$120
Utilities Allowance
$318
NOI (Monthly)
$965
Debt Service
$596
Cash Flow After Debt
$368
Quality Score: 72.50%
Confidence: 92.00%
Overall this single-family home is largely turnkey with good cosmetic condition and functioning plumbing fixtures; HVAC condenser is present and interior finishes look recently updated. Primary inspection risks are missing/unknown life-safety devices (smoke/CO detectors), unverified GFCI protection, and security bars on front windows that may impede egress unless quick-release hardware is installed. Kitchen appliances are not shown and would need installation. With installation of alarms, verification of GFCI/electrical panel, confirmation of water heater and a minor exterior clean-up, the property would likely pass an initial HCV/NSPIRE inspection within 1–3 weeks.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$318
Guaranteed Section 8 Rent (PS - Utilities)
$1,200
Property Management
$120
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$112,000
Beds
3
Baths
1.5
Living Area
1,128 sqft
Lot Size
13,068 sqft
Year Built
1940
Days on Market
21
Capital Outlay
$26,880
Debt Service
$596
Property Tax / Mo
$61
Insurance / Mo
$54
Property Description
Charming 3BR/2BA home in the heart of Graysville! This inviting property offers a classic, functional layout with spacious bedrooms. Enjoy relaxing on the covered front porch or on the back patio and take advantage of the generous 0.30-acre lot with plenty of outdoor potential including a storage building! Conveniently located near schools, shopping, and local amenities, this home is perfect for first-time buyers or investors seeking a solid rental opportunity.
Utility Allowances
Heating
$42
Selected 'N'Gas: Graysville' based on property info stating 'Natural Gas' for heating and the property's location in Graysville, using the 3-bedroom rate.
Cooling
$22
Selected 'A/C: Alabama Power' for central air cooling, assuming the most common regional provider, using the 3-bedroom rate.
Water Heating
$56
Selected 'Elec: Ala Power' as property info explicitly states 'Electric Water Heater', assuming the most common regional electric provider, using the 3-bedroom rate.
Cooking
$16
Selected 'N'Gas: Graysville' as cooking fuel was not specified but is assumed to be Natural Gas, consistent with the heating fuel type and property location, using the 3-bedroom rate.
Water
$100
Selected 'Water: Graysville' based on property info stating 'Public Water' and the property's location in Graysville, using the 3-bedroom rate.
Sewer
$0
Selected a $0 allowance as property info specifies the use of a 'Septic Tank' instead of public sewer service.
Trash Collection
$0
Selected 'Graysville ISCL' (Inside City Limits) from the schedule, which has a $0 allowance for a 3-bedroom unit.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for general electric use, assuming the most common regional provider, using the 3-bedroom rate.
Refrigerator
$8
Included the allowance for a tenant-owned refrigerator as it was not listed as a provided appliance, using the fixed 3-bedroom rate.
Range/Microwave
$6
Included the allowance for a tenant-owned range/microwave as it was not listed as a provided appliance, using the fixed 3-bedroom rate.
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$516
DP3 Annual Estimate$784
DP1 Monthly Equivalent$43
DP3 Monthly Equivalent$65
Replacement Value$49,700
Basis1,128 sqft / 1940
Nearby Houses
Photo unavailable
135 1st St NW
sold · 0.02 mi
Price: $68,000
3 bd / 2 ba
Latest sale: $68,000 on Jun 10, 2016
Latest rent: —
Photo unavailable
115 2nd St NW
sold · 0.04 mi
Price: $62,500
3 bd / 1 ba · 1,036 sqft
Latest sale: $62,500 on Mar 21, 2024
Latest rent: $1,000 on Oct 23, 2024
Photo unavailable
164 N Main St
off_market · 0.05 mi
Price: $1,125
5 bd / 2 ba · 1,420 sqft
Latest sale: $117,000 on Apr 04, 2019
Latest rent: $1,125 on Aug 05, 2025
Photo unavailable
164 Main St N
sold · 0.05 mi
Price: $117,000
5 bd / 3 ba · 1,420 sqft
Latest sale: $117,000 on Apr 04, 2019
Latest rent: $1,125 on Aug 05, 2025
Photo unavailable
147 N Main St
sold · 0.05 mi
Price: $140,000
3 bd / 2 ba · 1,764 sqft
Latest sale: $140,000 on Oct 28, 2022
Latest rent: —
Photo unavailable
147 Main St
sold · 0.05 mi
Price: $174,000
3 bd / 2 ba · 1,764 sqft
Latest sale: $174,000 on Apr 09, 2024
Latest rent: —
Photo unavailable
194 N Main St
sold · 0.06 mi
Price: $113,000
3 bd / 2 ba · 1,485 sqft
Latest sale: $113,000 on May 05, 2022
Latest rent: $1,175 on May 20, 2024
Photo unavailable
108 2nd St NW
sold · 0.08 mi
Price: $160,500
4 bd / 2 ba · 1,290 sqft
Latest sale: $160,500 on Dec 02, 2025
Latest rent: $1,325 on Dec 01, 2025
Photo unavailable
115 1st Ave NE
sold · 0.08 mi
Price: $93,500
3 bd / 2 ba · 1,260 sqft
Latest sale: $93,500 on Apr 30, 2020
Latest rent: $1,175 on May 15, 2025
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors and carbon-monoxide alarms are not visible in photos; assume they are not installed or not clearly in place and will need verification/installation.
- Kitchen major appliances (stove/range and refrigerator) are not visible in photos and are assumed absent; landlord will likely supply or tenant-supplied appliances required.
- HVAC system is present and functional because an exterior condenser unit is visible; no interior HVAC equipment condition or age verification available.
- Water heater, electrical panel, and GFCI protection are present but their condition and code compliance are unverified from photos.
- Security bars on front windows exist; assume they may not have quick-release egress hardware unless documented.
- No active roof leaks or major foundation movement are visible in photos; assume roof and foundation are serviceable but should be inspected on site.
- Bathroom ventilation (exhaust fan or window) is not visible; assume acceptable but needs verification.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $714 | $61,300 | $12,260 |
| 2023 | $714 | $61,300 | $12,260 |
| 2022 | $553 | $47,500 | $9,500 |
| 2021 | $553 | $47,500 | $9,500 |
| 2020 | $553 | $47,500 | $9,500 |
| 2019 | $163 | $36,800 | $7,360 |
| 2018 | $142 | $32,700 | $3,280 |
| 2017 | $142 | $32,700 | $3,280 |
| 2016 | $142 | $32,700 | $3,280 |
| 2015 | $142 | $32,700 | $3,280 |
| 2013 | $140 | $32,300 | $3,240 |
| 2012 | $140 | $32,290 | $3,229 |
| 2011 | $142 | $32,700 | $3,270 |
| 2010 | $142 | $32,700 | $3,270 |
| 2009 | $142 | $32,700 | $3,270 |
| 2008 | $150 | $33,300 | $3,330 |
| 2007 | $148 | $32,900 | $3,290 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-04-16 | Sold | $101,500 |
| 2018-12-27 | Sold | $30,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2021-04-10 | Listed for rent | $950 | — |
| 2019-02-08 | Listed for rent | $975 | — |
Photo Gallery
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"parent_category": "Interior"
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"parent_category": "Interior"
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"category": "Exterior and Lot Features",
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"parent_category": "Exterior"
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"High School: MINOR",
"Middle School: MINOR JUNIOR"
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"category": "School Information",
"parent_category": "Community"
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"Source Listing Status: Active",
"County: Jefferson",
"Directions: FROM I-22 TAKE EXIT 87 TOWARD GRAYSVILLE TURN RIGHT ON CHERRY AVE TURN RIGHT ON MAI N ST HOUSE ON THE LEFT",
"Source Property Type: RESIDENTIAL",
"Area: Adamsville, Forestdale, Graysville, Pratt City",
"Source Neighborhood: GRAYSVILLE",
"Parcel Number: 15-00-20-4-007-004.000",
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"Year Built: 1940",
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"Living Area Source: Per Tax Report",
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"Total Area Main: 1128",
"Total Area Upper: 0",
"Year Built Details: Existing"
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{
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{
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{
"note": "Selected a $0 allowance as property info specifies the use of a 'Septic Tank' instead of public sewer service.",
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{
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{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for general electric use, assuming the most common regional provider, using the 3-bedroom rate.",
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},
{
"note": "Included the allowance for a tenant-owned refrigerator as it was not listed as a provided appliance, using the fixed 3-bedroom rate.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Included the allowance for a tenant-owned range/microwave as it was not listed as a provided appliance, using the fixed 3-bedroom rate.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 22400.0,
"property_tax_annual": 735.42,
"property_tax_monthly": 61.29,
"property_tax_increase": 0.03,
"utility_allowance_total": 318.0,
"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": 4421.25,
"property_management_monthly": 120.0,
"monthly_cash_flow_after_debt": 368.44,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single-family home is largely turnkey with good cosmetic condition and functioning plumbing fixtures; HVAC condenser is present and interior finishes look recently updated. Primary inspection risks are missing/unknown life-safety devices (smoke/CO detectors), unverified GFCI protection, and security bars on front windows that may impede egress unless quick-release hardware is installed. Kitchen appliances are not shown and would need installation. With installation of alarms, verification of GFCI/electrical panel, confirmation of water heater and a minor exterior clean-up, the property would likely pass an initial HCV/NSPIRE inspection within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recently painted walls, intact trim/crown molding, new-looking vinyl flooring and updated bathroom tile/tub — cosmetic condition is generally good. Kitchen has cabinets, countertop and sink in place. Exterior paint looks recent. Missing major visible defects. However no stove or refrigerator are visible in photos (appliances reduce score moderately) and yard/driveway need basic clean-up. Overall few repairs required (cosmetic and appliance installation)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No active life-threatening hazards observed in photos (no collapsed ceilings, no visible electrical splices, no standing water). Entry door shows two locks (deadbolt likely present). Bedrooms have windows that appear large enough for egress. However smoke detectors and CO alarm(s) are not visible in any interior photos (required by NSPIRE/HUD); GFCI outlets in kitchen/bath are not evident; front window(s) have metal security bars which may impede emergency egress unless quick-release is provided. Porch railing present but ramp/sidewalk condition is worn. Given unknowns around alarms, GFCIs and egress-bar release, moderate safety risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.0,
"rationale": "An outdoor HVAC condenser is visible indicating central HVAC likely present. Bathroom fixtures, toilet and tub look newly installed; kitchen sink plumbing appears intact. No visible signs of active leaks, roof collapse or major water intrusion in interior photos. Electrical panel and water heater are not shown, and GFCI protection is not verifiable. Roof appears generally intact from photos but portions of the porch roof show a shallow valley/low spot that should be inspected. Overall systems appear serviceable but several key components are unverified from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior siding and painted brick porch look maintained. Covered front porch with railings and a driveway/parking area present. Yard is overgrown and needs basic maintenance; driveway shows staining/patch cracking. A storage building is present. No obvious foundation cracking or severe exterior structural damage visible. Some debris and vegetation near one side of the house suggests limited deferred maintenance but nothing immediately hazardous from pictured views."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and carbon-monoxide alarms are not visible in photos; assume they are not installed or not clearly in place and will need verification/installation.",
"Kitchen major appliances (stove/range and refrigerator) are not visible in photos and are assumed absent; landlord will likely supply or tenant-supplied appliances required.",
"HVAC system is present and functional because an exterior condenser unit is visible; no interior HVAC equipment condition or age verification available.",
"Water heater, electrical panel, and GFCI protection are present but their condition and code compliance are unverified from photos.",
"Security bars on front windows exist; assume they may not have quick-release egress hardware unless documented.",
"No active roof leaks or major foundation movement are visible in photos; assume roof and foundation are serviceable but should be inspected on site.",
"Bathroom ventilation (exhaust fan or window) is not visible; assume acceptable but needs verification."
],
"overall_score": 76.0,
"rubric_version": "ns-2026-1.0"
},
{
"summary": "This single-family home presents as a mostly move-in-ready rental with cosmetic updates, intact finishes, functioning plumbing fixtures, and an exterior HVAC unit visible. The main inspection risks are missing/uncertain smoke and CO detectors, potential bedroom-window security bars that could impede egress if not quick-release, and unshown electrical panel/water heater condition. Missing kitchen appliances (stove/fridge) and minor exterior/driveway repairs are easy-to-fix capital items. With installation of required detectors, verification/labeling of window bars for egress, confirmation of electrical/water-heater operation, and addition of a stove/fridge, the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 75.0,
"rationale": "Interior photos show recently painted walls, new-looking flooring, clean tiled bath, intact trim and crown molding. Kitchen has cabinets, countertop and sink in good visual condition. Exterior paint is present and porch/railings are intact though there is minor paint wear and concrete driveway shows cracking/staining. No major interior finish damage visible. Missing visible major appliances (stove/fridge) in photos which reduces score moderately but is an easy-to-fix, capital item."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No smoke detectors visible in interior photos (required) and no carbon monoxide detector visible; these would be required at inspection. Windows exist in bedrooms (egress likely present) but some windows show exterior security bars which could be an egress hazard unless quick-release is provided (unknown). Entry door appears to have two locks (likely including deadbolt). No exposed wiring or obvious electrical hazards visible in photos. GFCI protection in kitchen/bath not visible. No visible active leaks, mold, severe peeling paint, collapsed ceilings, or major trip hazards. Overall moderate inspection risk due to missing/uncertain detectors and window-bar egress uncertainty."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Exterior HVAC condenser present indicating central HVAC likely installed (good). Plumbing fixtures and tiled bath appear functional and in good visual condition. Water heater and electrical panel are not shown so their condition is unconfirmed. Roof appears aged but shows no visible sagging or active leaks in photos. Drainage and foundation show no obvious failure, but vegetation close to the side and older roof condition present some moderate risk. Systems likely functional but unverified — moderate score."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 80.0,
"rationale": "Siding and exterior paint are intact, covered front porch and railings exist, and a storage building is present on lot. Yard is generally maintained though some overgrowth is visible at the side/back. Driveway has cracking and staining but is usable. No visible foundation displacement, standing water, or major exterior structural damage. Overall exterior presents as sound with minor site cleanup and driveway repair recommended."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors (required) — likely fail until installed.",
"Window security bars visible on front windows — potential egress hazard if not quick-release.",
"Kitchen appliances (stove/refrigerator) not shown — will need to be supplied (easy-to-fix but required for tenant use).",
"Electrical/GFCI protection and water-heater condition not documented in photos — verification required at inspection."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or carbon monoxide detectors are present because none are visible in interior photos; assume they are absent or not mounted in pictured rooms.",
"Stove and refrigerator are not provided in the photos and are likely not included; assume appliances will need to be provided by owner/landlord prior to move-in.",
"Exterior HVAC condenser visible is functional unless inspection/maintenance records indicate otherwise; assume HVAC working but untested.",
"Electrical panel and GFCI protection are present and intact but not shown in photos; assume standard electrical service but unverified for modern GFCI placement.",
"Window security bars may be fixed or have quick-release hardware; their egress compliance is unknown and assumed non-compliant unless quick-release is verified.",
"No visible roof sagging, active leaks, foundation movement, major mold, or collapsed ceilings in photos; assume none present but not fully verifiable from images alone.",
"Storage building and lot grading exist as shown; assume drainage is typical and no standing water issues during normal conditions."
],
"overall_score": 75.0,
"rubric_version": "nsprise-2026-v1"
},
{
"summary": "This 3BR property presents as cosmetically renovated and structurally intact in photos and would likely pass an initial Housing Choice Voucher (NSPIRE) inspection after addressing several quick safety items. Primary items to confirm/install before inspection: working smoke detectors (and CO alarms if required locally), GFCI protection in kitchen/bath, verification of quick-release egress on any window security bars, and confirmation of electrical panel and water heater condition. Missing kitchen appliances will reduce marketability but are not an immediate life-safety failure. With those items addressed and a brief systems verification (HVAC operation, water heater temperature, electrical panel labeling), the home appears rent-ready within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show recent cosmetic updates: fresh paint, crown/base trim, new-looking vinyl plank floors, updated bathroom tile and tub, and intact cabinetry/countertops. Exterior paint is acceptable and porch/railings are present. No obvious major damage or collapsed finishes. Missing pictured kitchen appliances (stove/refrigerator) and some minor exterior/driveway wear reduce the score moderately, but these are capital/minor repairs rather than structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms are visible in the photos (required). Entry door appears to have a standard lock and possibly a deadbolt (hard to confirm). No exposed electrical wiring is visible and interior outlets appear intact, but GFCI outlets are not visible in the kitchen/bath photos. Several windows have security bars on the front of the house — if those bars do not have an interior quick-release, they can fail egress requirements. Porch ramp/entry does not show a handrail where one might be needed. Plumbing fixtures and bathroom hardware appear functional with no visible leaks. These uncertainties create moderate NSPIRE inspection risk that can be remedied quickly if devices/releases are installed/verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Exterior photo shows an outdoor HVAC condenser unit indicating central HVAC is present. Interior plumbing fixtures, toilet, tub and kitchen sink appear installed and in good visual condition. Roof shows no visible sagging or active leaks in photos; no major rot or structural distress is apparent. Electrical panel and water heater are not shown, so their condition is unknown; no exposed wiring visible in living areas. Given visible condenser and functioning fixtures, major systems likely serviceable but require verification (water heater temp, breaker labeling, GFCI, furnace operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.0,
"rationale": "The lot is reasonably maintained though grass and vegetation along the side and behind the storage building appear overgrown and there is some debris near the metal outbuilding. Siding/porch/columns look structurally sound from photos. Driveway exhibits surface cracking and staining. Foundation appears level with no obvious major cracks or settling visible in provided photos. Property includes a storage building which is a positive for tenants. Drainage/grade look typical for neighborhood; no standing water visible."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm in photos — required for NSPIRE and must be installed prior to inspection.",
"Window security bars on front windows — potential egress failure if no quick-release mechanism is present.",
"No visible GFCI outlets in kitchen/bathroom photos — likely need installation or verification prior to inspection.",
"Electrical panel and water heater not shown — condition unknown and should be verified; unknowns increase inspection risk.",
"Ramp/entry area lacks a visible handrail — may require handrail depending on rise."
],
"confidence": 0.7,
"assumptions": [
"Photos are recent and representative of current condition.",
"Central HVAC is present and functional because an outdoor condenser unit is visible; no documentation of service provided.",
"Smoke detectors and carbon monoxide alarms are not present or not visible in pictures; assume they are not installed or not compliant until verified.",
"Electrical panel, water heater, and circuit GFCI protection exist but were not photographed; assume unknown condition and need verification.",
"Window security bars exist on front windows and may not have quick-release mechanisms—assume potential egress restriction until confirmed.",
"No active roof leaks or major foundation movement are present based on photos; severe hidden issues are not evident but cannot be ruled out without an interior attic/roof and foundation inspection.",
"Appliances (stove/oven, refrigerator) are not present in photos and therefore likely not provided; landlord may supply but plan for replacement/installation cost.",
"Ramp/entry shown does not have an interior handrail visible; assume a handrail may be required depending on rise and local code."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-2024-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "114 N Main St, Graysville, AL, 35073",
"aggregate": {
"summary": "Overall this single-family home is largely turnkey with good cosmetic condition and functioning plumbing fixtures; HVAC condenser is present and interior finishes look recently updated. Primary inspection risks are missing/unknown life-safety devices (smoke/CO detectors), unverified GFCI protection, and security bars on front windows that may impede egress unless quick-release hardware is installed. Kitchen appliances are not shown and would need installation. With installation of alarms, verification of GFCI/electrical panel, confirmation of water heater and a minor exterior clean-up, the property would likely pass an initial HCV/NSPIRE inspection within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Interior photos show recently painted walls, intact trim/crown molding, new-looking vinyl flooring and updated bathroom tile/tub — cosmetic condition is generally good. Kitchen has cabinets, countertop and sink in place. Exterior paint looks recent. Missing major visible defects. However no stove or refrigerator are visible in photos (appliances reduce score moderately) and yard/driveway need basic clean-up. Overall few repairs required (cosmetic and appliance installation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 77.3,
"rationale": "Exterior siding and painted brick porch look maintained. Covered front porch with railings and a driveway/parking area present. Yard is overgrown and needs basic maintenance; driveway shows staining/patch cracking. A storage building is present. No obvious foundation cracking or severe exterior structural damage visible. Some debris and vegetation near one side of the house suggests limited deferred maintenance but nothing immediately hazardous from pictured views."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No active life-threatening hazards observed in photos (no collapsed ceilings, no visible electrical splices, no standing water). Entry door shows two locks (deadbolt likely present). Bedrooms have windows that appear large enough for egress. However smoke detectors and CO alarm(s) are not visible in any interior photos (required by NSPIRE/HUD); GFCI outlets in kitchen/bath are not evident; front window(s) have metal security bars which may impede emergency egress unless quick-release is provided. Porch railing present but ramp/sidewalk condition is worn. Given unknowns around alarms, GFCIs and egress-bar release, moderate safety risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "An outdoor HVAC condenser is visible indicating central HVAC likely present. Bathroom fixtures, toilet and tub look newly installed; kitchen sink plumbing appears intact. No visible signs of active leaks, roof collapse or major water intrusion in interior photos. Electrical panel and water heater are not shown, and GFCI protection is not verifiable. Roof appears generally intact from photos but portions of the porch roof show a shallow valley/low spot that should be inspected. Overall systems appear serviceable but several key components are unverified from photos."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Smoke detectors and carbon-monoxide alarms are not visible in photos; assume they are not installed or not clearly in place and will need verification/installation.",
"Kitchen major appliances (stove/range and refrigerator) are not visible in photos and are assumed absent; landlord will likely supply or tenant-supplied appliances required.",
"HVAC system is present and functional because an exterior condenser unit is visible; no interior HVAC equipment condition or age verification available.",
"Water heater, electrical panel, and GFCI protection are present but their condition and code compliance are unverified from photos.",
"Security bars on front windows exist; assume they may not have quick-release egress hardware unless documented.",
"No active roof leaks or major foundation movement are visible in photos; assume roof and foundation are serviceable but should be inspected on site.",
"Bathroom ventilation (exhaust fan or window) is not visible; assume acceptable but needs verification."
],
"score_method": "mean_of_criteria",
"overall_score": 72.5,
"rubric_version": "ns-2026-1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7604148924"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.