Property ID: 7604464721
4316 6th Ave, Birmingham, AL, 35224
Birmingham, AL
Money Down: $26,400
CoC Return: 11.71%
Monthly Cash Flow: $258
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
11.71%
Rent
$1,097
Monthly Cash Flow
$258
Annual Cash Flow
$3,091
Debt Service / Mo
$585
Property Tax / Mo
$88
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,097
Payment Standard
$1,727
Rent
$1,097
Insurance
$56
Property Tax
$88
Management
$110
Utilities Allowance
$630
NOI (Monthly)
$843
Debt Service
$585
Cash Flow After Debt
$258
Quality Score: 68.90%
Confidence: 92.00%
Property appears largely updated cosmetically and is likely to pass a Section 8 (HCV/NSPIRE) initial inspection after a short punchlist. Strengths: fresh interior finishes, intact windows, central AC condenser visible, functional-looking kitchen and bathroom. Primary risks: missing visible kitchen appliances (range/fridge), ceiling tile stains/isolated sagging suggesting prior water intrusion that should be investigated, unknown status of GFCI protection and full smoke/CO alarm coverage, and some exterior stair/railing corrosion and yard erosion. With verification of functioning HVAC, hot water, electrical panel, GFCI outlets, proper smoke/CO detection, and installation/verification of a range and refrigerator, this property would be rent-ready within ~30 days (minor repairs).
Section 8 Payment Standard
$1,727
Utility Allowance Total
$630
Guaranteed Section 8 Rent (PS - Utilities)
$1,097
Property Management
$110
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
4
Baths
1
Living Area
1,380 sqft
Lot Size
6,098 sqft
Year Built
1910
Days on Market
158
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$88
Insurance / Mo
$56
Property Description
Spacious and updated 4-bedroom, 1-bath home in Birmingham offering 1,380 sq ft of comfortable living space. Fresh interior improvements and a practical layout make this property well-suited for both investors and owner-occupants seeking long-term value. The home features generous living areas, a functional kitchen, and flexible bedroom space ideal for everyday living or rental use. Conveniently located near downtown Birmingham, shopping, and major highways, it offers a balance of accessibility and affordability. This property presents a solid opportunity to add a turnkey home to your portfolio or secure a comfortable residence at an attractive price point. With an acceptable offer, the home includes a $2,000 lender credit and a transferable home warranty, providing added value and peace of mind for the buyer.
Utility Allowances
Heating
$119
Property has Central Heating. Fuel is inferred to be electric as other systems are electric. 'Ala Power' is selected as the most likely provider for a property in Birmingham.
Cooling
$28
Property has Central Air conditioning. 'Alabama Power' is selected as the most likely provider for a property in Birmingham.
Water Heating
$71
Property details explicitly list an 'Electric Water Heater'. 'Ala Power' is selected as the most likely provider.
Cooking
$26
Fuel type for cooking is not specified and is inferred to be electric based on other electric systems. 'Ala Power' is selected as the most likely provider.
Other Electric
$87
Standard utility for lighting and plug-in appliances. 'Ala Power' is selected as the most likely provider for a property in Birmingham.
Water
$88
Property has public water. 'Water: Birmingham' is selected as the property is located in Birmingham.
Sewer
$177
Property details state 'Sewer Connected'. The allowance is a fixed amount from the schedule.
Trash Collection
$20
Property is in Birmingham (Jefferson County). 'Jefferson City' is the most applicable regional option in the schedule.
Refrigerator
$8
The refrigerator is not listed as a provided appliance and is assumed to be tenant-owned.
Range/Microwave
$6
A range or microwave is not listed as a provided appliance and is assumed to be tenant-owned.
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$597
DP3 Annual Estimate$747
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$62
Replacement Value$66,500
Basis1,380 sqft / 1910
Nearby Houses
Photo unavailable
4317 5th Ct
sold · 0.02 mi
Price: $70,000
4 bd / 2 ba · 1,563 sqft
Latest sale: $70,000 on Jul 04, 2024
Latest rent: $1,550 on May 01, 2025
Photo unavailable
4322 6th Ct
sold · 0.04 mi
Price: $40,000
2 bd / 1 ba · 896 sqft
Latest sale: $40,000 on Jan 26, 2026
Latest rent: —
Photo unavailable
4305 6th Ave
sold · 0.04 mi
Price: $75,000
3 bd / 2 ba · 1,411 sqft
Latest sale: $75,000 on Sep 05, 2024
Latest rent: $1,350 on Jan 30, 2025
Photo unavailable
4300 6th Ave
sold · 0.04 mi
Price: $36,000
3 bd / 1 ba · 1,380 sqft
Latest sale: $36,000 on Mar 05, 2025
Latest rent: $1,100 on Jan 23, 2026
Photo unavailable
4413 6th Ave
sold · 0.06 mi
Price: $51,000
2 bd / 2 ba · 2,520 sqft
Latest sale: $51,000 on Nov 15, 2024
Latest rent: $1,300 on Feb 03, 2026
Photo unavailable
4315 5th Ave
for_sale · 0.08 mi
Price: $20,000
1 bd / 1 ba · 572 sqft
Latest sale: $5,000 on Jun 06, 2025
Latest rent: —
Photo unavailable
4313 5th Ave
for_sale · 0.08 mi
Price: $20,000
2 bd / 1 ba · 900 sqft
Latest sale: $19,000 on Oct 23, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Ceiling tile staining and minor sagging (possible prior or active water intrusion) — requires investigation and repair if active.
- No stove or refrigerator visible in kitchen photos — appliances must be provided or verified before move-in.
- GFCI outlets in kitchen/bath not visible — likely need verification; missing GFCI could cause NSPIRE failure.
- Front stair railing shows age/corrosion and yard slope exhibits erosion; stairs and rail condition should be repaired to ensure safety.
Assumptions
- Central HVAC is present and operational because an outdoor condenser unit is visible in exterior photos.
- Hot water heater and electrical service exist in the home but are not visible in photos; assumed present and functional unless inspection shows otherwise.
- Missing stove and refrigerator are not included in listing photos; assume appliances are not provided and will need to be installed prior to move-in.
- Ceiling tile stains represent past water intrusion; no active leak is visible in photos but further investigation is required.
- Smoke detection is present in at least one bedroom (small round device visible) but full NSPIRE-compliant placement (hallways, each sleeping room, levels) and CO alarm presence are unverified.
- No major structural movement (sagging floors, foundation displacement) is visible from provided photos.
- Electrical panel, GFCI protection, and plumbing fixtures function normally but are unverified and could require minor repairs to meet NSPIRE.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,028 | $70,900 | $14,180 |
| 2023 | $476 | $75,500 | $7,560 |
| 2022 | $332 | $55,700 | $5,580 |
| 2021 | $332 | $55,700 | $5,580 |
| 2020 | $332 | $55,700 | $11,140 |
| 2019 | $332 | $55,700 | $5,580 |
| 2018 | $264 | $46,400 | $4,640 |
| 2017 | $264 | $46,400 | $4,640 |
| 2016 | $264 | $46,400 | $4,640 |
| 2015 | $264 | $46,400 | $4,640 |
| 2013 | $250 | $45,600 | $4,560 |
| 2012 | $221 | $41,520 | $4,152 |
| 2011 | $226 | $42,200 | $4,220 |
| 2010 | $279 | $49,800 | $4,980 |
| 2009 | $279 | $49,800 | $4,980 |
| 2008 | $287 | $51,000 | $5,100 |
| 2007 | $284 | $50,500 | $5,050 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-06-24 | Sold | $70,000 |
| 2023-09-26 | Sold | $50,000 |
| 2023-07-18 | Sold | $59,463 |
| 2022-10-31 | Sold | $37,000 |
| 2020-08-19 | Sold | $51,366 |
| 1999-11-04 | Sold | $34,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-06-03 | Listed for rent | $1,200 | — |
| 2025-01-27 | Listed for rent | $1,200 | — |
| 2024-12-20 | Listed for rent | $1,350 | — |
| 2024-11-18 | Listed for rent | $1,350 | — |
| 2024-08-27 | Listed for rent | $1,350 | — |
Photo Gallery
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"total": 49800,
"building": 45400
},
"assessment": {
"land": 440,
"total": 4980,
"building": 4540
}
},
{
"tax": 287,
"year": 2008,
"market": {
"land": 4400,
"total": 51000,
"building": 46600
},
"assessment": {
"land": 440,
"total": 5100,
"building": 4660
}
},
{
"tax": 284,
"year": 2007,
"market": {
"land": 4400,
"total": 50500,
"building": 46100
},
"assessment": {
"land": 440,
"total": 5050,
"building": 4610
}
}
],
"property_history": [
{
"date": "2025-09-29",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1200,
"listing_id": "2971216333",
"last_update_date": "2025-08-11T19:05:13Z",
"last_status_change_date": "2025-09-29T20:08:52Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": "18 days",
"source_listing_id": "721317",
"price_change_percentage": null
},
{
"date": "2025-09-11",
"price": 110000,
"listing": {
"status": "for_sale",
"list_date": "2025-09-11T21:13:05Z",
"list_price": 110000,
"listing_id": "2986289621",
"last_update_date": "2026-02-16T01:29:20Z",
"last_status_change_date": "2025-09-11T21:13:05Z"
},
"event_name": "Listed",
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
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},
{
"date": "2025-08-10",
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"listing": {
"status": "off_market",
"list_date": "2025-04-09T01:39:34Z",
"list_price": 110000,
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"last_update_date": "2025-06-18T22:18:53Z",
"last_status_change_date": "2025-08-10T07:54:42Z"
},
"event_name": "Listing removed",
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"source_name": "GreaterAlabamaMLS",
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"source_listing_id": "21415240",
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},
{
"date": "2025-06-03",
"price": 1200,
"listing": {
"status": "off_market",
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"list_price": 1200,
"listing_id": "2971216333",
"last_update_date": "2025-08-11T19:05:13Z",
"last_status_change_date": "2025-09-29T20:08:52Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8695652173913043,
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},
{
"date": "2025-05-01",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2024-02-21T02:21:44Z",
"list_price": 75900,
"listing_id": "2964291351",
"last_update_date": "2024-06-20T15:22:14Z",
"last_status_change_date": "2025-05-01T07:59:28Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "22 days",
"source_listing_id": "21377592",
"price_change_percentage": null
},
{
"date": "2025-04-09",
"price": 110000,
"listing": {
"status": "off_market",
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"list_price": 110000,
"listing_id": "2980339627",
"last_update_date": "2025-06-18T22:18:53Z",
"last_status_change_date": "2025-08-10T07:54:42Z"
},
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
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"source_listing_id": "21415240",
"price_change_percentage": "+57.14%"
},
{
"date": "2025-03-19",
"price": 0,
"listing": {
"status": "off_market",
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"list_price": 1200,
"listing_id": "2971216333",
"last_update_date": "2025-08-11T19:05:13Z",
"last_status_change_date": "2025-09-29T20:08:52Z"
},
"event_name": "Listing removed",
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"source_name": "TenantTurner",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "721317",
"price_change_percentage": null
},
{
"date": "2024-12-20",
"price": 1200,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1200,
"listing_id": "2971216333",
"last_update_date": "2025-08-11T19:05:13Z",
"last_status_change_date": "2025-09-29T20:08:52Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.8695652173913043,
"source_name": "TenantTurner",
"price_change": -50,
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"source_listing_id": "721317",
"price_change_percentage": null
},
{
"date": "2024-12-03",
"price": 1250,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1200,
"listing_id": "2971216333",
"last_update_date": "2025-08-11T19:05:13Z",
"last_status_change_date": "2025-09-29T20:08:52Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.9057971014492754,
"source_name": "TenantTurner",
"price_change": -100,
"days_after_listed": null,
"source_listing_id": "721317",
"price_change_percentage": null
},
{
"date": "2024-08-26",
"price": 1350,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1200,
"listing_id": "2971216333",
"last_update_date": "2025-08-11T19:05:13Z",
"last_status_change_date": "2025-09-29T20:08:52Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.9782608695652174,
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "721317",
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},
{
"date": "2024-07-08",
"price": 70000,
"listing": null,
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"price_sqft": 50.72463768115942,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": "138 days",
"source_listing_id": null,
"price_change_percentage": "-7.77%"
},
{
"date": "2024-02-21",
"price": 75900,
"listing": {
"status": "off_market",
"list_date": "2024-02-21T02:21:44Z",
"list_price": 75900,
"listing_id": "2964291351",
"last_update_date": "2024-06-20T15:22:14Z",
"last_status_change_date": "2025-05-01T07:59:28Z"
},
"event_name": "Listed",
"price_sqft": 55,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21377592",
"price_change_percentage": "+51.80%"
},
{
"date": "2024-02-07",
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"listing": {
"status": "off_market",
"list_date": "2023-12-27T00:03:24Z",
"list_price": 1100,
"listing_id": "2962747652",
"last_update_date": "2023-12-27T00:41:37Z",
"last_status_change_date": "2024-02-07T07:54:13Z"
},
"event_name": "Listing removed",
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"source_name": "GreaterAlabamaMLS",
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"days_after_listed": null,
"source_listing_id": "21373259",
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},
{
"date": "2023-12-27",
"price": 1100,
"listing": {
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"list_date": "2023-12-27T00:03:24Z",
"list_price": 1100,
"listing_id": "2962747652",
"last_update_date": "2023-12-27T00:41:37Z",
"last_status_change_date": "2024-02-07T07:54:13Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21373259",
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},
{
"date": "2023-09-26",
"price": 50000,
"listing": null,
"event_name": "Sold",
"price_sqft": 36.231884057971016,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
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},
{
"date": "2022-11-10",
"price": 64900,
"listing": null,
"event_name": "Sold",
"price_sqft": 47.028985507246375,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1992-12-17",
"price": 33000,
"listing": null,
"event_name": "Sold",
"price_sqft": 23.91304347826087,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7604464721",
"generated_at": "2026-02-16T20:12:30.169694Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.9
},
"utility_allowance": {
"zip_code": "35224",
"home_photo": "https://ap.rdcpix.com/2545086648b5272a26140505868f314bl-m3382213284s-w1280.jpg",
"rent_price": 1097.0,
"loan_amount": 88000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4316-6th-Ave_Birmingham_AL_35224_M76044-64721",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 110000.0,
"loan_term_years": 30,
"annual_cash_flow": 10116.76,
"mortgage_monthly": 585.47,
"payment_standard": 1727.0,
"total_amount_out": 22000.0,
"additional_photos": [
"https://ap.rdcpix.com/2545086648b5272a26140505868f314bl-m1956754004s-w1280.jpg",
"https://ap.rdcpix.com/2545086648b5272a26140505868f314bl-m885870070s-w1280.jpg",
"https://ap.rdcpix.com/2545086648b5272a26140505868f314bl-m2623064808s-w1280.jpg",
"https://ap.rdcpix.com/2545086648b5272a26140505868f314bl-m2431724325s-w1280.jpg",
"https://ap.rdcpix.com/2545086648b5272a26140505868f314bl-m2554819578s-w1280.jpg",
"https://ap.rdcpix.com/2545086648b5272a26140505868f314bl-m941404010s-w1280.jpg",
"https://ap.rdcpix.com/2545086648b5272a26140505868f314bl-m2592424543s-w1280.jpg",
"https://ap.rdcpix.com/2545086648b5272a26140505868f314bl-m1003310147s-w1280.jpg",
"https://ap.rdcpix.com/2545086648b5272a26140505868f314bl-m3702394777s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 56.0,
"monthly_cash_flow": 843.06,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has Central Heating. Fuel is inferred to be electric as other systems are electric. 'Ala Power' is selected as the most likely provider for a property in Birmingham.",
"utility": "Heating",
"allowance": 119
},
{
"note": "Property has Central Air conditioning. 'Alabama Power' is selected as the most likely provider for a property in Birmingham.",
"utility": "Cooling",
"allowance": 28
},
{
"note": "Property details explicitly list an 'Electric Water Heater'. 'Ala Power' is selected as the most likely provider.",
"utility": "Water Heating",
"allowance": 71
},
{
"note": "Fuel type for cooking is not specified and is inferred to be electric based on other electric systems. 'Ala Power' is selected as the most likely provider.",
"utility": "Cooking",
"allowance": 26
},
{
"note": "Standard utility for lighting and plug-in appliances. 'Ala Power' is selected as the most likely provider for a property in Birmingham.",
"utility": "Other Electric",
"allowance": 87
},
{
"note": "Property has public water. 'Water: Birmingham' is selected as the property is located in Birmingham.",
"utility": "Water",
"allowance": 88
},
{
"note": "Property details state 'Sewer Connected'. The allowance is a fixed amount from the schedule.",
"utility": "Sewer",
"allowance": 177
},
{
"note": "Property is in Birmingham (Jefferson County). 'Jefferson City' is the most applicable regional option in the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The refrigerator is not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A range or microwave is not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.46,
"down_payment_amount": 22000.0,
"property_tax_annual": 1058.84,
"property_tax_monthly": 88.24,
"property_tax_increase": 0.03,
"utility_allowance_total": 630.0,
"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": 3091.17,
"property_management_monthly": 109.7,
"monthly_cash_flow_after_debt": 257.6,
"cash_on_cash_return_after_debt": 0.14
},
"section8_assessment": {
"runs": [
{
"summary": "Property appears largely updated cosmetically and is likely to pass a Section 8 (HCV/NSPIRE) initial inspection after a short punchlist. Strengths: fresh interior finishes, intact windows, central AC condenser visible, functional-looking kitchen and bathroom. Primary risks: missing visible kitchen appliances (range/fridge), ceiling tile stains/isolated sagging suggesting prior water intrusion that should be investigated, unknown status of GFCI protection and full smoke/CO alarm coverage, and some exterior stair/railing corrosion and yard erosion. With verification of functioning HVAC, hot water, electrical panel, GFCI outlets, proper smoke/CO detection, and installation/verification of a range and refrigerator, this property would be rent-ready within ~30 days (minor repairs).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior appears recently painted and finished (vinyl plank flooring, new-looking vanity), ceilings use drop tiles with a few stained/sagging tiles visible (living area / hallway). Kitchen is clean but listing photos do not show a range or refrigerator (missing appliances reduce turnkey readiness moderately). Minor cosmetic issues visible at exterior (peeling paint on foundation vents, yard debris) and some wear on exterior stairs. Overall cosmetic condition is good-to-fair with a few repairs/cosmetic touches needed before move-in."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 68.0,
"rationale": "No obvious exposed wiring or major electrical hazards in photos. A small round smoke detector/device is visible in a bedroom ceiling which suggests some smoke detection is present but full coverage (hallways / outside sleeping rooms) and CO alarms are not documented. Bathroom and kitchen outlet/GFCI presence is not visible and may fail NSPIRE GFCI requirements. Ceiling tile stains suggest past water intrusion which could be a risk if active. Stairs and front railings exist but rail looks aged/partially corroded; porch guard exists. Bedroom windows appear to be large enough for egress. Because many safety items (panel, GFCI, door deadbolt, CO alarm, water heater condition) are not visible, moderate risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 65.0,
"rationale": "Exterior AC condenser is visible indicating central AC likely present. Roof appears intact from photos with no obvious large failures, and the chimney stands upright. No water heater, electrical panel, or furnace/air handler is shown. Ceiling stains indicate prior water intrusion which may implicate roof or plumbing; condition and age of plumbing and electrical systems are unknown. Given visible AC and otherwise intact finishes, systems are probably functional but unverified and present moderate inspection risk without mechanical documentation or in-person testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "House sits up on a slope with concrete/painted stairs to the street; stairs and railing are intact but show wear and rust. Yard shows erosion on the slope and some curbside debris. Foundation and stucco piers appear generally intact though older. Neighboring lot has a dilapidated structure which can affect site condition and desirability but is not a direct NSPIRE fail. Drainage away from foundation is unclear but the slope suggests potential runoff toward the street; downspouts/gutters not clearly visible."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Ceiling tile staining and minor sagging (possible prior or active water intrusion) — requires investigation and repair if active.",
"No stove or refrigerator visible in kitchen photos — appliances must be provided or verified before move-in.",
"GFCI outlets in kitchen/bath not visible — likely need verification; missing GFCI could cause NSPIRE failure.",
"Front stair railing shows age/corrosion and yard slope exhibits erosion; stairs and rail condition should be repaired to ensure safety."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC is present and operational because an outdoor condenser unit is visible in exterior photos.",
"Hot water heater and electrical service exist in the home but are not visible in photos; assumed present and functional unless inspection shows otherwise.",
"Missing stove and refrigerator are not included in listing photos; assume appliances are not provided and will need to be installed prior to move-in.",
"Ceiling tile stains represent past water intrusion; no active leak is visible in photos but further investigation is required.",
"Smoke detection is present in at least one bedroom (small round device visible) but full NSPIRE-compliant placement (hallways, each sleeping room, levels) and CO alarm presence are unverified.",
"No major structural movement (sagging floors, foundation displacement) is visible from provided photos.",
"Electrical panel, GFCI protection, and plumbing fixtures function normally but are unverified and could require minor repairs to meet NSPIRE."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property presents as a primarily cosmetic, low-risk rental candidate likely able to pass an initial HCV/NSPIRE inspection after minor fixes and verification of a few systems. Expect routine pre-rental work: install/verify kitchen appliances (range and refrigerator), confirm/relocate/install smoke and carbon monoxide detectors per local code, add GFCI protection in kitchen and bath if missing, investigate and repair ceiling tile stains (roof/water intrusion), secure/repair stair railings and clear vegetation/debris. No immediate structural collapse, active standing water, exposed live electrical hazards, or collapsed ceilings were observed in photos; however critical systems (water heater, electrical panel, furnace) were not photographed and should be verified before leasing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted with new-looking vinyl plank flooring and functioning fixtures. Cosmetic issues visible: worn bathroom vanity top, some ceiling tiles with staining/imperfections, stair paint and exterior trim need work, curbside debris. No catastrophic interior damage visible. Kitchen cabinets and sink present but no range or refrigerator shown — missing appliances reduce score moderately but are easily remedied."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 68.0,
"rationale": "No obvious exposed wiring, trip hazards, or collapsed ceilings. An AC condenser is present outside and at least one small smoke/CO-style detector is visible on an interior wall/ceiling. Bedroom windows appear full-height and likely provide egress. Unverified items that reduce the score: no clearly visible GFCI locations in kitchen/bath, carbon monoxide detector placement not confirmed (gas meter present outside), and ceiling tile stains suggest prior roof/water intrusion that should be investigated. Handrails are present on front steps but finish and anchorage should be checked. These are likely fixable short-term items."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "An exterior AC condenser is visible indicating cooling (and likely forced-air system), plumbing fixtures (toilet, tub, sink) appear intact, and kitchen sink is installed. The electrical panel, water heater, and furnace are not photographed and could not be verified. Roof appears to be asphalt-shingle and generally intact in photos, though ceiling tile staining indicates possible past leak requiring inspection. Overall systems look serviceable but require verification of water heater, furnace/heating, and electrical panel condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior siding and foundation stucco appear serviceable with ventilation openings visible; asphalt roof looks intact from distance. Yard slopes steeply to the street (drainage/erosion attention recommended). Curbside debris and overgrown vegetation against foundation are present and should be cleared. Neighboring property on one side appears derelict, which can affect safety/visibility but is not a code failure of this property. Front stairs are solid but paint/wear and railing anchorage should be addressed."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Ceiling tiles with staining — suggests prior or possible roof/water intrusion that requires investigation.",
"No range or refrigerator photographed in kitchen (appliance absence will need correction before a voucher inspection in many PHAs).",
"No clearly visible GFCI outlets in kitchen/bath and carbon monoxide detector placement not confirmed (gas meter present at exterior).",
"Vegetation against foundation and curbside debris could contribute to moisture/rodent issues if not cleared.",
"Neighboring structure in severe disrepair (visible) may affect property condition and neighborhood inspection perception."
],
"confidence": 0.7,
"assumptions": [
"Heating (furnace) and water heater exist and are operational though not pictured; an exterior AC condenser indicates presence of HVAC.",
"No active roof leak at time of photos; ceiling tile staining likely from prior leak but not actively collapsing.",
"Electrical panel is present and intact inside the property but not shown in photos.",
"Bedroom windows meet egress size requirements based on visible full-height windows; exact dimensions not verified.",
"Missing stove and refrigerator are not considered structural failures and will be provided by owner/landlord prior to move-in.",
"No peeling lead-risk paint visible in photos; painted surfaces appear recently finished and intact."
],
"overall_score": 70.0,
"rubric_version": "2026-02-Section8-NSPIRE-v1"
},
{
"summary": "Overall this 4-bed/1-bath 1910 house appears mostly rentable with minor repairs and verification steps. Interior cosmetic condition and flooring are good and HVAC appears present. Primary inspection risks are: confirm/repair any ceiling leak, install/verify required smoke and CO detectors and GFCI protection, and provide or confirm kitchen appliances. With those minor items addressed and a short systems verification (electric panel, water heater), the property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within about 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted with new-looking vinyl plank flooring and intact cabinets; bathrooms and kitchen fixtures present and functional in photos. Visible cosmetic issues include ceiling tile stains and some misaligned ceiling tiles, scuffed/aged vanity tops, and exterior stairs/rail paint deterioration. Photos do not show a range or refrigerator (missing appliances reduce readiness moderately). Overall cosmetic condition is good and repairs appear minor and capital-only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious exposed wiring, no collapsed ceilings, and interior doors/egress windows look present. A smoke/CO device is not clearly visible in all required locations (one small round device is visible in a bedroom photo but placement/quantity not verified). GFCI outlets are not evident in kitchen or bathroom photos (likely required). There is a ceiling stain indicating past or possible water intrusion which could be a roof/leak safety concern if active. Exterior handrail is present but looks aged. Overall moderate NSPIRE risk: likely passes after installing or verifying smoke detectors, installing GFCIs, and confirming no active leak."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Exterior condenser and interior floor vent visible — central HVAC/forced air appears present. Water heater, electrical panel, and furnace are not pictured. Roof appears intact from photos but ceiling stain suggests a prior leak that should be investigated. Plumbing fixtures appear functional in photos. Electrical panel and hot water operation must be confirmed; based on visible HVAC and vents systems are likely operational but not fully documented."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Foundation appears to be masonry with ventilation grilles and crawl-access doors visible; no obvious large foundation cracks or sagging seen. Roofline and siding look generally intact. Yard slopes to the street, with vegetation close to the structure and some curbside debris/large plastic piece that is a trip/appearance issue. Concrete stairs and metal railing are present; railing is thin/aged but appears attached. Overall exterior is serviceable but needs cleanup, vegetation trimming, and minor repairs/paint."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Market Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Ceiling stain(s) indicating possible roof or plumbing leak — investigate for active water intrusion.",
"No visible GFCI outlets in kitchen/bath photos — likely required for compliance.",
"No visible stove or refrigerator in photos (missing appliances reduce immediate rent-readiness).",
"Exterior debris at curb and vegetation touching structure creating trip/maintenance issues and potential pest access."
],
"confidence": 0.75,
"assumptions": [
"Central HVAC/forced-air present and operational (exterior condenser and interior floor vents visible).",
"No active roof leak confirmed, only a visible ceiling stain suggesting prior or intermittent leak — needs verification.",
"Smoke detector presence/placement is incomplete — one device is visible but there may not be the required detectors in every bedroom and hallway.",
"GFCI protection in kitchen and bathroom is likely missing (not visible in photos) and will be required for NSPIRE compliance.",
"Water heater and electrical panel condition are not visible; assumed serviceable unless inspection/findings indicate otherwise.",
"Bedrooms have adequately sized egress windows based on photos but exact window dimensions not measured.",
"Appliances (stove, refrigerator) are not visible in listing photos and presumed missing; missing appliances will reduce readiness but are not automatic inspection fails."
],
"overall_score": 74.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4316 6th Ave, Birmingham, AL, 35224",
"aggregate": {
"summary": "Property appears largely updated cosmetically and is likely to pass a Section 8 (HCV/NSPIRE) initial inspection after a short punchlist. Strengths: fresh interior finishes, intact windows, central AC condenser visible, functional-looking kitchen and bathroom. Primary risks: missing visible kitchen appliances (range/fridge), ceiling tile stains/isolated sagging suggesting prior water intrusion that should be investigated, unknown status of GFCI protection and full smoke/CO alarm coverage, and some exterior stair/railing corrosion and yard erosion. With verification of functioning HVAC, hot water, electrical panel, GFCI outlets, proper smoke/CO detection, and installation/verification of a range and refrigerator, this property would be rent-ready within ~30 days (minor repairs).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.0,
"rationale": "Interior appears recently painted and finished (vinyl plank flooring, new-looking vanity), ceilings use drop tiles with a few stained/sagging tiles visible (living area / hallway). Kitchen is clean but listing photos do not show a range or refrigerator (missing appliances reduce turnkey readiness moderately). Minor cosmetic issues visible at exterior (peeling paint on foundation vents, yard debris) and some wear on exterior stairs. Overall cosmetic condition is good-to-fair with a few repairs/cosmetic touches needed before move-in."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "House sits up on a slope with concrete/painted stairs to the street; stairs and railing are intact but show wear and rust. Yard shows erosion on the slope and some curbside debris. Foundation and stucco piers appear generally intact though older. Neighboring lot has a dilapidated structure which can affect site condition and desirability but is not a direct NSPIRE fail. Drainage away from foundation is unclear but the slope suggests potential runoff toward the street; downspouts/gutters not clearly visible."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5y)",
"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 Risk",
"score": 67.0,
"rationale": "No obvious exposed wiring or major electrical hazards in photos. A small round smoke detector/device is visible in a bedroom ceiling which suggests some smoke detection is present but full coverage (hallways / outside sleeping rooms) and CO alarms are not documented. Bathroom and kitchen outlet/GFCI presence is not visible and may fail NSPIRE GFCI requirements. Ceiling tile stains suggest past water intrusion which could be a risk if active. Stairs and front railings exist but rail looks aged/partially corroded; porch guard exists. Bedroom windows appear to be large enough for egress. Because many safety items (panel, GFCI, door deadbolt, CO alarm, water heater condition) are not visible, moderate risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 66.7,
"rationale": "Exterior AC condenser is visible indicating central AC likely present. Roof appears intact from photos with no obvious large failures, and the chimney stands upright. No water heater, electrical panel, or furnace/air handler is shown. Ceiling stains indicate prior water intrusion which may implicate roof or plumbing; condition and age of plumbing and electrical systems are unknown. Given visible AC and otherwise intact finishes, systems are probably functional but unverified and present moderate inspection risk without mechanical documentation or in-person testing."
}
],
"red_flags": [
"Ceiling tile staining and minor sagging (possible prior or active water intrusion) — requires investigation and repair if active.",
"No stove or refrigerator visible in kitchen photos — appliances must be provided or verified before move-in.",
"GFCI outlets in kitchen/bath not visible — likely need verification; missing GFCI could cause NSPIRE failure.",
"Front stair railing shows age/corrosion and yard slope exhibits erosion; stairs and rail condition should be repaired to ensure safety."
],
"confidence": 0.92,
"assumptions": [
"Central HVAC is present and operational because an outdoor condenser unit is visible in exterior photos.",
"Hot water heater and electrical service exist in the home but are not visible in photos; assumed present and functional unless inspection shows otherwise.",
"Missing stove and refrigerator are not included in listing photos; assume appliances are not provided and will need to be installed prior to move-in.",
"Ceiling tile stains represent past water intrusion; no active leak is visible in photos but further investigation is required.",
"Smoke detection is present in at least one bedroom (small round device visible) but full NSPIRE-compliant placement (hallways, each sleeping room, levels) and CO alarm presence are unverified.",
"No major structural movement (sagging floors, foundation displacement) is visible from provided photos.",
"Electrical panel, GFCI protection, and plumbing fixtures function normally but are unverified and could require minor repairs to meet NSPIRE."
],
"score_method": "mean_of_criteria",
"overall_score": 68.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7604464721"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.