2901 42nd Ln N, Birmingham, AL, 35207
Birmingham, AL
utility_fetch_failed
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 66.90%
Confidence: 85.00%
Overall this property looks like a light-renovation turnkey rental with fresh-looking floors and paint, serviceable bathrooms, and an active recent rental history. Primary inspection risks are missing/uncertain smoke and carbon monoxide detectors, likely missing GFCI protection in wet locations, and a cracked/uneven front entry slab/step that is a trip hazard. Major systems appear present but unverified (water heater, electrical panel, HVAC operation). With targeted fixes — install/verify smoke & CO alarms, confirm/retrofit GFCIs, repair or re-level the front step/landing, and confirm operation of HVAC/water heater/electrical — the unit should be likely to pass an initial HCV/NSPIRE inspection within 1-3 weeks.
Property Fundamentals
Property Description
This 3 bed, 1 bath home with 1,056 sq ft, built in 1985, is a perfect opportunity for investors looking for a turnkey rental in North Birmingham. The property was just vacated and was previously rented for $1,265/month, tenant recently moved out and it is ready for a new tenant! This house offers a strong return and rental history. Located in a growing area with solid rental demand, this home features a functional layout, spacious living area, and minimal maintenance makes ideal for solid cashflow and portfolio expansion.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- Uneven/cracked front entry slab and step creating a trip hazard that must be repaired.
- No visible smoke detectors in hallway/bedrooms and no visible CO alarm despite an external gas meter — required for NSPIRE compliance.
- No visible GFCI outlets in bathrooms/kitchen — likely required and a common source of inspection failure.
- No photos of electrical panel, water heater or furnace; inability to verify these systems could delay or fail an inspection if any are nonfunctional or unsafe.
Assumptions
- Interior photos reflect the entire living area condition; no major hidden structural damage exists unless not visible in supplied photos.
- Central HVAC is present and functional because supply/return vents are visible; actual operation not verified in photos.
- Water heater and electrical panel exist on-site but were not photographed; their condition is unknown and assumed serviceable based on recent tenancy/rental history.
- Kitchen appliances (stove/fridge) are not shown — listing claims turnkey and prior tenancy; assume appliances are either present or are minor replacements if required.
- Smoke detectors and CO alarms are not visible in photos; assume they are missing or not clearly placed and should be verified/installed prior to inspection.
- GFCI protection in bathroom/kitchen is not visible and should be verified; assume it's likely missing given age and photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,164 | $80,300 | $16,060 |
| 2023 | $1,164 | $80,300 | $16,060 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-02-28 | Sold | $22,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-10-27 | Listed for rent | $1,050 | — |
| 2023-08-11 | Listed for rent | $1,200 | — |
| 2023-06-22 | Listed for rent | $1,250 | — |
Photo Gallery
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"line": "2841 Boydga Rd",
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{
"date": "2025-07-31",
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"source_name": "GreaterAlabamaMLS",
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},
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},
"property_id": "7637550580",
"generated_at": "2026-02-16T02:23:56.467970Z",
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"reason": "disabled",
"enabled": false
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"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 66.9
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this property looks like a light-renovation turnkey rental with fresh-looking floors and paint, serviceable bathrooms, and an active recent rental history. Primary inspection risks are missing/uncertain smoke and carbon monoxide detectors, likely missing GFCI protection in wet locations, and a cracked/uneven front entry slab/step that is a trip hazard. Major systems appear present but unverified (water heater, electrical panel, HVAC operation). With targeted fixes — install/verify smoke & CO alarms, confirm/retrofit GFCIs, repair or re-level the front step/landing, and confirm operation of HVAC/water heater/electrical — the unit should be likely to pass an initial HCV/NSPIRE inspection within 1-3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted and fitted with new LVP flooring. Bathrooms and finishes are functional though a little dirty; one shower has tile, another tub surround shows staining. Cosmetic issues: peeling/warped paneling in a few bedroom photos, scuffed baseboards and paint touch-ups needed. Exterior entry slab and step are cracked and uneven (trip hazard). No kitchen photos to confirm appliances; listing claims turnkey and recent tenancy. Missing appliances (if any) would be a moderate, fixable item. Overall mostly cosmetic and minor repair items rather than heavy rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 60.0,
"rationale": "No obvious exposed wiring, no collapsed ceilings, and bedroom windows appear to provide egress. Vents indicate central HVAC. However, I do not see clearly installed smoke detectors or carbon monoxide alarms in hallway/bedrooms (required, and CO required if fuel appliances/gas present; a gas meter is visible outside). The front entry step is uneven and creates a trip hazard. GFCI protection for bathroom/kitchen outlets is not visible in photos and must be confirmed. These are moderately serious inspection risks that are correctable but will likely trigger an initial inspection follow-up if not addressed before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electric)",
"score": 70.0,
"rationale": "Interior photos show floor and ceiling registers indicating central HVAC ducting; vents look intact which suggests a forced-air system is present. No visible signs of active leaks, severe water damage, or structural sagging. Roof shingles look aged but intact in photos — no obvious open areas or sagging. Water heater, electrical panel and furnace are not pictured so functionality is inferred from vents and prior rental history. Plumbing fixtures present and appear serviceable; bathrooms renovated recently. Systems likely operational but need verification (water heater, electrical panel labeling, verify HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Vinyl siding and exterior walls appear intact and recently painted/clean. Roof shows no obvious collapse but shingles look older. Driveway/patio area has patched/painted asphalt with multiple depressions and the concrete/slab at the entry is uneven and cracked creating a trip hazard; curb/step needs repair. Yard and walkways appear free of major debris or standing water in photos. Gas meter visible at side of house (confirming fuel source and need for CO alarm)."
},
{
"key": "rental_history_activity",
"label": "Rental History / Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Uneven/cracked front entry slab and step creating a trip hazard that must be repaired.",
"No visible smoke detectors in hallway/bedrooms and no visible CO alarm despite an external gas meter — required for NSPIRE compliance.",
"No visible GFCI outlets in bathrooms/kitchen — likely required and a common source of inspection failure.",
"No photos of electrical panel, water heater or furnace; inability to verify these systems could delay or fail an inspection if any are nonfunctional or unsafe."
],
"confidence": 0.65,
"assumptions": [
"Interior photos reflect the entire living area condition; no major hidden structural damage exists unless not visible in supplied photos.",
"Central HVAC is present and functional because supply/return vents are visible; actual operation not verified in photos.",
"Water heater and electrical panel exist on-site but were not photographed; their condition is unknown and assumed serviceable based on recent tenancy/rental history.",
"Kitchen appliances (stove/fridge) are not shown — listing claims turnkey and prior tenancy; assume appliances are either present or are minor replacements if required.",
"Smoke detectors and CO alarms are not visible in photos; assume they are missing or not clearly placed and should be verified/installed prior to inspection.",
"GFCI protection in bathroom/kitchen is not visible and should be verified; assume it's likely missing given age and photos."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Mostly renovated interior with new-looking flooring and fresh paint; previously tenant-occupied and advertised as turnkey. Primary inspection risks are missing/uncertain smoke/CO detectors and an uneven/unsafe front step/landing lacking a handrail (trip hazard). Major systems (HVAC, electrical panel, water heater) are not documented in photos so are an unknown — likely functional but should be verified. Expect this property to be rent-ready for Section 8 within 30 days if smoke detectors are installed/verified, the front entry/landing is repaired or a handrail installed, GFCI protection confirmed in wet areas, and kitchen appliances (if required by the leasing plan) are provided or documented.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior appears recently painted and has new vinyl plank flooring throughout; walls and trim show some scuffs and minor damage (paneling seams, baseboard scuffs). Bathrooms are serviceable but show cosmetic wear; one shower insert and a tiled shower both present in photos, both appear functional but need caulking/cleaning. Exterior shows a cracked/uneven concrete entry pad and step that is a trip hazard. No kitchen photos or appliances shown in listing images; listing claims turnkey and prior tenancy, so appliances likely present but not confirmed. Overall the unit looks mostly renovated with only cosmetic and minor finish repairs needed."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "No smoke alarms or carbon monoxide detectors are visible in the interior photos (hallway ceiling fixture present but not identifiable as a detector) — inspector will require functioning smoke detectors in required locations. Front entry step/landing is uneven and lacks a handrail — creates a likely safety fail/ trip hazard. No exposed wiring seen; outlets have covers. GFCI protection in kitchen/bath not visible in photos. Bedrooms show windows likely adequate for egress. No obvious active roof leaks, collapsed ceilings, or major structural sagging visible. Because smoke detectors and a safe handrail/landing are commonly required for pass, this category carries moderate risk until those items are confirmed/fixed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Supply/return vents visible in rooms indicating central HVAC present, but system age and operational status not documented. Roof shingles visible and appear intact in the photo; no obvious sagging or major failure. Water heater and electrical panel are not shown; plumbing fixtures appear present and functional in bathrooms (toilet, sink, shower). No visible active leaks or standing water. Given lack of photos of the mechanical room, electrical panel, and water heater, assume typical functionality but treat as moderate inspection risk until service records or testing are provided."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Exterior vinyl siding looks intact; roof looks serviceable from provided angle. Driveway and front concrete pad show patching, holes and uneven surfaces — trip hazards at entry. Front entry has a metal security door and a window awning; steps and landing need repair and a handrail. Yard slopes toward one side but no standing water visible. Foundation is not visible for a detailed assessment. Overall exterior appears fair but needs attention to entry/driveway safety and minor site repairs."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Occupancy",
"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 documented — required for Section 8/NSPIRE compliance.",
"Uneven/cracked front concrete landing and step with no handrail — trip/fall hazard and likely an inspection fail until corrected.",
"Kitchen/appliances not shown — appliance availability/status unconfirmed (may affect rent readiness if landlord intends to provide).",
"Areas of paneling with vertical swelling/bubbling at lower walls suggesting localized moisture that should be evaluated."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that property was just vacated and previously rented is accurate (rental_history metadata corroborates).",
"Central HVAC is present and operational (supply/return vents visible) but no service records or unit photos provided.",
"Water heater, main electrical panel, and kitchen appliance status are not shown; assume functional but unverified.",
"No active roof leaks or major structural movement present — roof visible from single angle looks intact with no sagging.",
"No evidence of severe mold or pest infestation in provided photos; areas with paneling buckling may be minor moisture effects but not widespread.",
"Smoke and CO detectors are not visible in photos and therefore assumed to be missing or not documented."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this property appears to be in fair, nearly rent-ready condition with recent cosmetic updates and an active rental history. Main items to verify/repair before a Section 8 / HCV initial NSPIRE inspection: confirm working smoke/CO detectors and GFCI protection, provide/verify kitchen appliances if required by the program or lease, address the uneven front entry/driveway step (trip hazard and possible failed egress point), and verify HVAC, water heater and electrical panel operation. With these items addressed (most are minor/quick), the property is likely to pass inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows recent cosmetic work — fresh paint and new vinyl plank flooring throughout which reduces repair needs. Bathrooms are functional but show cosmetic damage and dirty fixtures (two different tub/shower units visible; one shows staining/grime). Vanity/mirror in one bath is damaged and light fixtures are aged. Some baseboard gaps and paneling in two bedrooms shows bottom-edge swelling or paint separation (possible prior moisture). Exterior front entry slab and threshold are uneven and cracked (visible in exterior photo) and will need repair to remove trip hazard. No kitchen photos or appliances shown — lack of visible stove/fridge will require provisioning before move-in but is a moderate (not catastrophic) defect. Overall condition is serviceable but needs minor repairs and cleaning to be fully rental-ready."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings intact, no collapsed areas, no standing water, and plumbing fixtures appear present and intact. Entry door has a security/storm door (visible). Hallway image shows a ceiling-mounted device near the hall (possible smoke detector) but smoke and carbon-monoxide detectors are not clearly documented in photos. GFCI outlets in bathrooms/kitchen not visible. The front entry has an uneven/stepped slab with no handrail — a trip/egress hazard that could fail inspection locally if considered an unsafe step. Window egress for bedrooms appears likely but exact opening sizes not verified from photos. No exposed wiring or electrical panel visible, so electrical hazards were not observed. Given the mix of acceptable and unconfirmed items, there is moderate risk for NSPIRE checklist failures (detectors/outlet protection/egress/entry step)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 70.0,
"rationale": "Visible ceiling vents and a ceiling fan indicate a central HVAC system or at least forced-air registers are present; no heating equipment, water heater, or electrical panel photos were provided. Roof shingles visible in exterior photo appear generally intact from that angle (no obvious large patches or sagging). Plumbing fixtures in bathrooms are present and appear functional though one tub shows staining that may indicate need for deep cleaning or refinishing. Because major systems are not fully documented but there is visual evidence of functioning HVAC registers and no visible active leaks or sagging, systems are assessed as operational but unverified — moderate score reflecting need for verification (HVAC service, water heater, panel/GFCI checks)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior vinyl siding looks intact and in fair condition; roof from the provided angle looks serviceable with no visible large failures. Driveway/front paved area appears patched and has several depressions and an uneven concrete/step area at the front entry which creates a tripping hazard. Yard is maintained but slope near the foundation is visible — no obvious standing water in photos. Garbage can partially blocks front window awning in photos (tenant/cleanup issue). Overall exterior is functional but needs front entry/driveway leveling and minor cleanup to reduce safety risk."
},
{
"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": [
"Uneven/ cracked front entry slab and threshold creating a trip hazard and lacking a handrail — could be considered unsafe stairs/egress hazard by inspector."
],
"confidence": 0.65,
"assumptions": [
"Photos are representative of entire unit; kitchen and electrical panel/water-heater were not photographed and their condition is unknown.",
"Central HVAC is present and operational based on visible ceiling vents and registers; no heating equipment was photographed.",
"Smoke and CO detectors exist in the home but are not clearly visible in photos; their placement and working condition must be verified prior to inspection.",
"No active roof leaks or major foundation movement exist beyond what is visible in exterior photos; interior ceilings appear intact with no obvious wet stains.",
"Listing text claiming the property was recently rented and 'turnkey' is accurate and supports that major systems were functioning while occupied.",
"Minor cosmetic/cleaning items (dirty tub, vanity scuffs, mirror damage) will be corrected during turnover and are not treated as inspection failures if resolved prior to inspection."
],
"overall_score": 70.0,
"rubric_version": "nspr_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2901 42nd Ln N, Birmingham, AL, 35207",
"aggregate": {
"summary": "Overall this property looks like a light-renovation turnkey rental with fresh-looking floors and paint, serviceable bathrooms, and an active recent rental history. Primary inspection risks are missing/uncertain smoke and carbon monoxide detectors, likely missing GFCI protection in wet locations, and a cracked/uneven front entry slab/step that is a trip hazard. Major systems appear present but unverified (water heater, electrical panel, HVAC operation). With targeted fixes — install/verify smoke & CO alarms, confirm/retrofit GFCIs, repair or re-level the front step/landing, and confirm operation of HVAC/water heater/electrical — the unit should be likely to pass an initial HCV/NSPIRE inspection within 1-3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.3,
"rationale": "Interior appears recently painted and fitted with new LVP flooring. Bathrooms and finishes are functional though a little dirty; one shower has tile, another tub surround shows staining. Cosmetic issues: peeling/warped paneling in a few bedroom photos, scuffed baseboards and paint touch-ups needed. Exterior entry slab and step are cracked and uneven (trip hazard). No kitchen photos to confirm appliances; listing claims turnkey and recent tenancy. Missing appliances (if any) would be a moderate, fixable item. Overall mostly cosmetic and minor repair items rather than heavy rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Vinyl siding and exterior walls appear intact and recently painted/clean. Roof shows no obvious collapse but shingles look older. Driveway/patio area has patched/painted asphalt with multiple depressions and the concrete/slab at the entry is uneven and cracked creating a trip hazard; curb/step needs repair. Yard and walkways appear free of major debris or standing water in photos. Gas meter visible at side of house (confirming fuel source and need for CO alarm)."
},
{
"key": "rental_history_activity",
"label": "Rental History / Activity (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 Risks (NSPIRE)",
"score": 60.0,
"rationale": "No obvious exposed wiring, no collapsed ceilings, and bedroom windows appear to provide egress. Vents indicate central HVAC. However, I do not see clearly installed smoke detectors or carbon monoxide alarms in hallway/bedrooms (required, and CO required if fuel appliances/gas present; a gas meter is visible outside). The front entry step is uneven and creates a trip hazard. GFCI protection for bathroom/kitchen outlets is not visible in photos and must be confirmed. These are moderately serious inspection risks that are correctable but will likely trigger an initial inspection follow-up if not addressed before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electric)",
"score": 66.7,
"rationale": "Interior photos show floor and ceiling registers indicating central HVAC ducting; vents look intact which suggests a forced-air system is present. No visible signs of active leaks, severe water damage, or structural sagging. Roof shingles look aged but intact in photos — no obvious open areas or sagging. Water heater, electrical panel and furnace are not pictured so functionality is inferred from vents and prior rental history. Plumbing fixtures present and appear serviceable; bathrooms renovated recently. Systems likely operational but need verification (water heater, electrical panel labeling, verify HVAC operation)."
}
],
"red_flags": [
"Uneven/cracked front entry slab and step creating a trip hazard that must be repaired.",
"No visible smoke detectors in hallway/bedrooms and no visible CO alarm despite an external gas meter — required for NSPIRE compliance.",
"No visible GFCI outlets in bathrooms/kitchen — likely required and a common source of inspection failure.",
"No photos of electrical panel, water heater or furnace; inability to verify these systems could delay or fail an inspection if any are nonfunctional or unsafe."
],
"confidence": 0.85,
"assumptions": [
"Interior photos reflect the entire living area condition; no major hidden structural damage exists unless not visible in supplied photos.",
"Central HVAC is present and functional because supply/return vents are visible; actual operation not verified in photos.",
"Water heater and electrical panel exist on-site but were not photographed; their condition is unknown and assumed serviceable based on recent tenancy/rental history.",
"Kitchen appliances (stove/fridge) are not shown — listing claims turnkey and prior tenancy; assume appliances are either present or are minor replacements if required.",
"Smoke detectors and CO alarms are not visible in photos; assume they are missing or not clearly placed and should be verified/installed prior to inspection.",
"GFCI protection in bathroom/kitchen is not visible and should be verified; assume it's likely missing given age and photos."
],
"score_method": "mean_of_criteria",
"overall_score": 66.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7637550580"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.