Property ID: 7682585509
57 18th Ave S, Birmingham, AL, 35205
Birmingham, AL
Money Down: $28,800
CoC Return: 16.57%
Monthly Cash Flow: $398
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,000
Closing Costs
$4,800
Total Down
$28,800
Investment Snapshot
Purchase Price
$120,000
Money Down
$28,800
Cash-on-Cash Return
16.57%
Rent
$1,347
Monthly Cash Flow
$398
Annual Cash Flow
$4,771
Debt Service / Mo
$639
Property Tax / Mo
$105
Insurance / Mo
$71
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,347
Payment Standard
$1,870
Rent
$1,347
Insurance
$71
Property Tax
$105
Management
$135
Utilities Allowance
$523
NOI (Monthly)
$1,036
Debt Service
$639
Cash Flow After Debt
$398
Quality Score: 67.70%
Confidence: 80.00%
This 3-bed single-family house presents as cosmetically updated and generally sound: siding, roofline and HVAC are present, the yard is fenced with a carport and shed, and interior finishes look recently refreshed. The primary inspection risks are deteriorated front and rear steps/landings (trip/fall hazard) and the lack of photographic confirmation of required smoke/CO detectors and GFCI protection. With targeted repairs (stair/landing reconstruction or resurfacing, handrail reinforcement, install/verify smoke & CO detectors, test electrical GFCI and plumbing/hot water) this property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within ~2–4 weeks.
Section 8 Payment Standard
$1,870
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,347
Property Management
$135
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$120,000
Beds
3
Baths
2
Living Area
1,200 sqft
Lot Size
5,227 sqft
Year Built
1951
Days on Market
10
Capital Outlay
$28,800
Debt Service
$639
Property Tax / Mo
$105
Insurance / Mo
$71
Property Description
This cute home has so much to offer. It is conveniently located near downtown, UAB and Interstates! Updated and pretty! The flat, fenced back yard has shade trees, a detached carport and storage building.
Utility Allowances
Heating
$93
Property has central heating. Electric is chosen for consistency with the electric water heater. Alabama Power is selected as a major regional provider.
Cooling
$22
Property has 'Central Air' conditioning. Alabama Power is selected as a major regional provider.
Cooking
$21
An electric stove is assumed based on photos and consistency with other electric appliances. Alabama Power is selected as a major regional provider.
Water Heating
$56
Property info explicitly states 'Electric Water Heater'. Alabama Power is selected as a major regional provider.
Other Electric (Lights & Appliances)
$68
This is a baseline for tenant-paid lighting and general electric use. Alabama Power is selected as a major regional provider.
Water
$78
Property has public water in Birmingham, and the schedule has a specific rate for 'Water: Birmingham'.
Sewer
$151
Property info states 'Sewer: Connected', and the utility schedule provides a single fixed rate.
Trash Collection
$20
The property is in Jefferson County. The 'Jefferson City' rate is used as the most applicable generic option.
Refrigerator (tenant-owned)
$8
A refrigerator is not specified as included in the property details, so it is assumed to be tenant-provided.
Range/Microwave (tenant-owned)
$6
A microwave is not specified as included in the property details, so it is assumed to be tenant-provided.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$696
DP3 Annual Estimate$997
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$83
Replacement Value$83,900
Basis1,200 sqft / 1951
Nearby Houses
Photo unavailable
48 S 18th Ave
sold · 0.05 mi
Price: $80,000
3 bd / 1 ba · 1,176 sqft
Latest sale: $80,000 on Mar 04, 2022
Latest rent: $950 on Mar 05, 2014
Photo unavailable
1809 1st St S
sold · 0.06 mi
Price: $34,000
3 bd / 3 ba · 1,715 sqft
Latest sale: $34,000 on Apr 13, 2023
Latest rent: —
Photo unavailable
57 17th Ct S
for_sale · 0.06 mi
Price: $100,000
3 bd / 1 ba · 896 sqft
Latest sale: $95,000 on Feb 12, 2024
Latest rent: $1,245 on May 22, 2025
Photo unavailable
1745 1st St S
sold · 0.07 mi
Price: $84,250
3 bd / 2 ba · 1,359 sqft
Latest sale: $84,250 on Mar 18, 2022
Latest rent: —
Photo unavailable
1741 1st St S
sold · 0.07 mi
Price: $31,500
2 bd / 1 ba · 1,100 sqft
Latest sale: $31,500 on Nov 22, 2021
Latest rent: $1,339 on Sep 08, 2023
Photo unavailable
101 S 18th Ct
sold · 0.08 mi
Price: $140,000
3 bd / 1 ba · 1,116 sqft
Latest sale: $140,000 on Jun 04, 2025
Latest rent: —
Photo unavailable
52 19th Ave S
sold · 0.09 mi
Price: $109,900
3 bd / 2 ba · 1,371 sqft
Latest sale: $109,900 on Oct 31, 2018
Latest rent: —
Photo unavailable
52 17th Ct S
for_sale · 0.10 mi
Price: $95,000
2 bd / 1 ba · 864 sqft
Latest sale: $25,000 on Nov 01, 1989
Latest rent: —
Photo unavailable
50 17th Ct S
sold · 0.10 mi
Price: $42,000
2 bd / 1 ba · 1,160 sqft
Latest sale: $42,000 on Sep 20, 2019
Latest rent: —
Photo unavailable
44 17th Ct S
for_sale · 0.11 mi
Price: $65,000
2 bd / 1 ba · 946 sqft
Latest sale: $26,900 on Jan 26, 2018
Latest rent: $525 on Jun 18, 2013
Photo unavailable
1837 Center Way S
for_sale · 0.11 mi
Price: $44,900
2 bd / 1 ba · 837 sqft
Latest sale: $46,500
Latest rent: —
Photo unavailable
1717 Center Way S
sold · 0.12 mi
Price: $125,000
2 bd / 2 ba · 912 sqft
Latest sale: $125,000 on Aug 07, 2025
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Unsafe stairs / deteriorated concrete and wood treads at front and rear entries (trip/fall hazard)
- No visible smoke detectors or CO detectors in listing photos (must verify/install)
- GFCI presence in kitchen/bath not shown (needs verification)
Assumptions
- Interior smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or not recently tested and will need verification/installation.
- Electrical panel condition, presence of GFCI outlets in kitchen/bath, and water heater condition were not photographed — assume serviceable but require on-site verification and testing.
- No interior mold, active leaks, or major plumbing failures are present; absence of evidence in photos is assumed as no visible staining or damage.
- Roof has no active leaks or major damage beyond what is visible in exterior photos.
- Stairs/landings are structurally sound below surface where not visibly crumbled, but surface deterioration observed is significant enough to require repair.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,229 | $93,200 | $18,140 |
| 2023 | $1,229 | $84,800 | $16,960 |
| 2022 | $858 | $70,400 | $14,080 |
| 2021 | $858 | $59,200 | $11,840 |
| 2020 | $611 | $42,200 | $8,440 |
| 2019 | $234 | $42,200 | $8,440 |
| 2018 | $257 | $45,400 | $4,540 |
| 2017 | $264 | $46,400 | $4,640 |
| 2016 | $257 | $45,400 | $4,540 |
| 2015 | $282 | $48,800 | $4,880 |
| 2013 | $682 | $37,900 | $3,800 |
| 2012 | $682 | $48,020 | $9,604 |
| 2011 | $693 | $48,800 | $9,760 |
| 2010 | $693 | $48,800 | $9,760 |
| 2009 | $693 | $48,800 | $9,760 |
| 2008 | $710 | $50,000 | $10,000 |
| 2007 | $616 | $43,300 | $8,660 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-01-24 | Sold | $97,000 |
| 2018-10-30 | Sold | $56,000 |
| 2014-07-23 | Sold | $22,100 |
| 2014-05-22 | Sold | $14,913 |
| 1998-07-06 | Sold | $30,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-08-01 | Listed for rent | $1,125 | — |
| 2022-06-15 | Listed for rent | $1,060 | — |
| 2021-02-02 | Listed for rent | $950 | — |
| 2018-12-17 | Listed for rent | $925 | — |
Photo Gallery
Show raw JSON (debug)
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"note": "Property has 'Central Air' conditioning. Alabama Power is selected as a major regional provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "An electric stove is assumed based on photos and consistency with other electric appliances. Alabama Power is selected as a major regional provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property info explicitly states 'Electric Water Heater'. Alabama Power is selected as a major regional provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This is a baseline for tenant-paid lighting and general electric use. Alabama Power is selected as a major regional provider.",
"utility": "Other Electric (Lights & Appliances)",
"allowance": 68
},
{
"note": "Property has public water in Birmingham, and the schedule has a specific rate for 'Water: Birmingham'.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property info states 'Sewer: Connected', and the utility schedule provides a single fixed rate.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is in Jefferson County. The 'Jefferson City' rate is used as the most applicable generic option.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not specified as included in the property details, so it is assumed to be tenant-provided.",
"utility": "Refrigerator (tenant-owned)",
"allowance": 8
},
{
"note": "A microwave is not specified as included in the property details, so it is assumed to be tenant-provided.",
"utility": "Range/Microwave (tenant-owned)",
"allowance": 6
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 24000.0,
"property_tax_annual": 1265.87,
"property_tax_monthly": 105.49,
"property_tax_increase": 0.03,
"utility_allowance_total": 523.0,
"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": 4770.95,
"property_management_monthly": 134.7,
"monthly_cash_flow_after_debt": 397.58,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed single-family house presents as cosmetically updated and generally sound: siding, roofline and HVAC are present, the yard is fenced with a carport and shed, and interior finishes look recently refreshed. The primary inspection risks are deteriorated front and rear steps/landings (trip/fall hazard) and the lack of photographic confirmation of required smoke/CO detectors and GFCI protection. With targeted repairs (stair/landing reconstruction or resurfacing, handrail reinforcement, install/verify smoke & CO detectors, test electrical GFCI and plumbing/hot water) this property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 60.0,
"rationale": "Interior photos show recently painted walls, intact windows and new-looking flooring — overall cosmetic condition is good. Observable deferred maintenance: cracked/crumbling concrete steps and deteriorated wood on front steps/landing, moss/algae on treads, chipping paint on stair stringers and minor surface debris around foundation. Missing or older fixtures (no interior appliance photos) were not heavily penalized because the unit appears updated elsewhere. These stair and entry finish issues are repairable but must be addressed before tenancy."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "Positive: exterior security door present, windows intact, fenced yard and flat grade reduce trip hazards. Visible risks: front and rear concrete/wood steps are deteriorated (trip/fall hazard) and require repair; some stair surfaces show delamination. No smoke/CO detectors are visible in photos (cannot confirm presence), GFCI locations not shown, and bedroom egress window compliancy cannot be verified from photos. Exterior electrical meter/conduit appears intact, no obvious exposed live wiring in images, but limited views of electrical panel/plumbing/water heater. Given the visible stair hazards plus unverified required detectors/outlet protection, this is a moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 75.0,
"rationale": "An HVAC condenser is visible at the side of the house indicating a forced-air system is present. Roof appears generally even with no visible sagging or obvious large-scale failure from photos. Electrical meter and service drop are present and visually intact. Plumbing, water heater and hot-water supply were not photographed so their condition is assumed serviceable. No signs of active roof leaks, major foundation displacement, or standing water were observed. Overall systems appear functional though some items (water heater, panel, appliance hookups) require on-site verification."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Exterior siding and paint look recently refreshed and in fair condition. Yard is flat and fully fenced with a gated driveway, detached carport and storage shed present — good for rental usability. Concrete walkways and driveway appear serviceable. Foundation is block and shows no obvious major movement; however some minor cracks and patching are visible. The carport and shed are intact. Overall the exterior/site is in good rental condition aside from the stairs/entry concrete detail and some cosmetic cleanup."
},
{
"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": [
"Unsafe stairs / deteriorated concrete and wood treads at front and rear entries (trip/fall hazard)",
"No visible smoke detectors or CO detectors in listing photos (must verify/install)",
"GFCI presence in kitchen/bath not shown (needs verification)"
],
"confidence": 0.7,
"assumptions": [
"Interior smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or not recently tested and will need verification/installation.",
"Electrical panel condition, presence of GFCI outlets in kitchen/bath, and water heater condition were not photographed — assume serviceable but require on-site verification and testing.",
"No interior mold, active leaks, or major plumbing failures are present; absence of evidence in photos is assumed as no visible staining or damage.",
"Roof has no active leaks or major damage beyond what is visible in exterior photos.",
"Stairs/landings are structurally sound below surface where not visibly crumbled, but surface deterioration observed is significant enough to require repair."
],
"overall_score": 63.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed single-family property shows mostly cosmetic updates inside, functional exterior systems (visible HVAC unit, intact meter/service) and desirable site features (fenced yard, carport, storage). The primary inspection risks are deteriorated front stairs and crumbling concrete at the entry (fall hazard and potential NSPIRE fail if unstable), and no smoke/CO detectors are visible in interior photos. Other items (peeling paint on stairs — potential lead concern for a 1951 house, missing/unknown appliances, and unverified plumbing/water heater) are moderate and generally addressable. With targeted safety repairs (repair/replace front stairs, secure railings, install/verify smoke and CO alarms, address peeling paint) plus routine verification of plumbing and electrical/GFCI, the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks. Recent rental history is a positive indicator for readiness.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently painted and floors/tile are in good cosmetic condition based on living/dining photos. Exterior paint and siding look serviceable. Observable deferred items: peeling paint on steps, moss/paint loss on front wooden stairs, crumbling concrete at front steps, makeshift plywood bench on porch and some concrete cracking under stair area. No catastrophic interior damage visible. Missing kitchen appliances not visible in photos — assumed possible but treated as moderate repair. Overall condition indicates mostly cosmetic and small structural repairs rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 58.0,
"rationale": "Visible safety items: handrails present on main stairs and rear stairs, exterior doors have security/storm doors. Significant concerns: front wooden stairs show rot/decay and crumbling concrete at base (potential fall hazard and inspection fail if unstable). No smoke detectors or CO alarms are visible in interior photos (NSPIRE requires working smoke alarms in required locations). No exposed electrical wiring is evident from exterior photos and the electrical meter/service appears intact, but GFCI locations and plumbing fixtures/hot water are not shown. Exterior peeling paint on stairs (house built 1951) raises a potential lead-paint risk that must be evaluated. Because of the unsafe/decayed stairs and missing visible detectors, safety/code risk is moderate-high."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof)",
"score": 70.0,
"rationale": "An outside HVAC unit is visible, indicating the presence of heating/cooling equipment. Electrical meter and conduit are visible and appear intact with no obvious energized exposed wiring. Roof shingles visible look generally flat and intact from photos (no visible sagging or active leaks). Water heater and full plumbing fixtures are not shown; plumbing/hot-water operation cannot be confirmed. Given visible HVAC and intact exterior service connections plus no evidence of roof failure, systems likely functional but require routine verification (water heater, electrical panel internal condition, GFCI, plumbing leaks)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Yard is flat and fenced (chain link + new wooden gate visible), providing secured outdoor space. Detached carport and storage shed present. Walkways and driveway are in usable condition though there are localized concrete cracks and staining under carport. Siding and foundation block are visible and generally intact; foundation vents are present. Some cosmetic exterior paint wear and minor site debris exist but no signs of active standing water, major foundation movement, collapsed features or infestation in the photographs. Overall the exterior/site is serviceable with modest clean-up and targeted repairs."
},
{
"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": [
"Deteriorated front wooden stairs and crumbling concrete at entry — potential immediate fall hazard and likely NSPIRE fail if unstable.",
"No visible smoke detectors/CO alarms in interior photos — required safety devices must be installed/verified.",
"Peeling paint on exterior stairs and steps on a house built in 1951 — potential lead-paint hazard that requires evaluation and remediation if disturbed.",
"Concrete cracking and undermining at step bases — localized structural/settlement issue that needs repair to ensure safe egress."
],
"confidence": 0.6,
"assumptions": [
"No smoke or carbon monoxide detectors were visible in the provided interior photos; assume none are installed or they require verification/replacement.",
"Water heater and kitchen appliances were not shown; assume water heater is present but appliance availability (stove/fridge) is uncertain and should be confirmed prior to tenancy.",
"Interior electrical panel condition and GFCI protection locations are not visible; assume standard service but recommend inspection and installation of GFCI in kitchen/bath if missing.",
"Roof appears intact in photos without visible sagging or leaks; assume no active roof leaks absent interior staining evidence.",
"Front wooden stairs show visible decay; assume structural weakening and that stairs require repair or replacement rather than only cosmetic work."
],
"overall_score": 71.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "This 3-bed single-family appears mostly turn-key with cosmetic updates, functional exterior systems visible (central AC, electrical service, intact roof), fenced yard, carport and shed. Primary inspection risks are deteriorated concrete stairs/landings (trip/fall hazard), potential egress issues from window security bars, and absence of visible smoke/CO detectors. Missing visible appliances and some temporary plywood work on the porch will require minor to moderate repairs. With targeted corrections (repair or replace damaged steps/landings and handrails, install/verify smoke & CO detectors, confirm GFCI locations, verify HVAC/water heater operation, and install appliances if missing), the property should pass an initial Section 8/HCV (NSPIRE) inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior photos show recent paint and new-looking flooring and tile; living/dining/kitchen areas appear cosmetically updated. Exterior siding painted and yard maintained. Notable deferred items: multiple exterior stairs and landings have concrete spalls/chipping and moss growth (front stairs and side stairs) creating trip hazards and will require repair. Front porch bench is a temporary plywood build-out and should be replaced. No appliances are visible in photos (stove/refrigerator not shown) — missing appliances reduce readiness moderately. Overall mostly cosmetic and small-works repairs with some moderate carpentry/concrete work required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious active roof leaks, sagging ceilings, or major foundation movement visible. Exterior railings are present on stair approaches but concrete stairs show deterioration that creates trip/fall hazards and could be cited. Window security bars are present (could be an egress issue if not quick-release). No smoke or carbon monoxide detectors are visible in interior photos (likely to be required). Electrical service and meter appear intact externally and conduit visible; no exposed live wiring seen in photos. GFCI presence in kitchen/bath not visible. Plumbing fixtures and hot water not shown. Overall there are some safety items that may fail NSPIRE until corrected (stairs/egress/detectors) but no immediate life-threatening hazards visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Electrical/Plumbing/Roof)",
"score": 75.0,
"rationale": "Central HVAC condenser is visible at the side of the house indicating a central system is present. Electrical service and meter are visible and appear intact; exterior conduit and meter box look connected. Shingle roof appears present and in serviceable condition from available angles with no obvious sag or missing large areas. Water heater and plumbing distribution are not shown. Because major systems are present and show no visible catastrophic failure in photos, but their operational condition is unverified, score assumes functional but recommends service/verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Yard is fenced, flat and appears secure with a new-looking wooden gate/fence at rear and chain-link on side; detached carport and storage shed present and usable — strong positive for rental market. Concrete drive and pad look serviceable. Some yard cleanup and removal of debris needed. No visible standing water, major grading issues, or infestation evidence in photos. Overall site is functional and tenant-safe with routine maintenance work required."
},
{
"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": [
"Deteriorated concrete front stairs and landings with spalling and missing concrete creating trip/fall hazard — potential NSPIRE fail until repaired.",
"Window security bars visible — may impede emergency egress if not equipped with quick-release mechanisms; possible inspection issue.",
"No smoke or carbon monoxide detectors visible in interior photos — missing/incorrect detectors will cause inspection failure if absent or nonfunctional.",
"Temporary plywood bench/board on front porch (not a permanent guardrail) — could be cited as an unsafe guard or tripping surface."
],
"confidence": 0.7,
"assumptions": [
"No smoke or carbon monoxide detectors were visible in interior photos — assume they are not installed or not shown and will need verification/installation.",
"Appliances (stove, refrigerator) are not visible in listing photos; assume they may be missing or not included and will need to be provided or confirmed.",
"HVAC system is present (outdoor condenser visible) but operational status is unknown — assumed functional pending service/verification.",
"Water heater and interior plumbing fixtures are present but not photographed; assumed functional unless inspection finds otherwise.",
"Window egress: windows appear typical for a house of this era; assume bedrooms have egress windows but security bars may lack quick-release — this requires verification.",
"Electrical panel is not shown; external meter and conduit appear intact so assume service is standard and without visible hazards, but panel interior should be checked.",
"No evidence of major hidden structural issues from photos; however, deteriorated stairs could indicate local concrete/foundation patching needs."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "57 18th Ave S, Birmingham, AL, 35205",
"aggregate": {
"summary": "This 3-bed single-family house presents as cosmetically updated and generally sound: siding, roofline and HVAC are present, the yard is fenced with a carport and shed, and interior finishes look recently refreshed. The primary inspection risks are deteriorated front and rear steps/landings (trip/fall hazard) and the lack of photographic confirmation of required smoke/CO detectors and GFCI protection. With targeted repairs (stair/landing reconstruction or resurfacing, handrail reinforcement, install/verify smoke & CO detectors, test electrical GFCI and plumbing/hot water) this property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 67.3,
"rationale": "Interior photos show recently painted walls, intact windows and new-looking flooring — overall cosmetic condition is good. Observable deferred maintenance: cracked/crumbling concrete steps and deteriorated wood on front steps/landing, moss/algae on treads, chipping paint on stair stringers and minor surface debris around foundation. Missing or older fixtures (no interior appliance photos) were not heavily penalized because the unit appears updated elsewhere. These stair and entry finish issues are repairable but must be addressed before tenancy."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior siding and paint look recently refreshed and in fair condition. Yard is flat and fully fenced with a gated driveway, detached carport and storage shed present — good for rental usability. Concrete walkways and driveway appear serviceable. Foundation is block and shows no obvious major movement; however some minor cracks and patching are visible. The carport and shed are intact. Overall the exterior/site is in good rental condition aside from the stairs/entry concrete detail and some cosmetic cleanup."
},
{
"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."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 57.7,
"rationale": "Positive: exterior security door present, windows intact, fenced yard and flat grade reduce trip hazards. Visible risks: front and rear concrete/wood steps are deteriorated (trip/fall hazard) and require repair; some stair surfaces show delamination. No smoke/CO detectors are visible in photos (cannot confirm presence), GFCI locations not shown, and bedroom egress window compliancy cannot be verified from photos. Exterior electrical meter/conduit appears intact, no obvious exposed live wiring in images, but limited views of electrical panel/plumbing/water heater. Given the visible stair hazards plus unverified required detectors/outlet protection, this is a moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 73.3,
"rationale": "An HVAC condenser is visible at the side of the house indicating a forced-air system is present. Roof appears generally even with no visible sagging or obvious large-scale failure from photos. Electrical meter and service drop are present and visually intact. Plumbing, water heater and hot-water supply were not photographed so their condition is assumed serviceable. No signs of active roof leaks, major foundation displacement, or standing water were observed. Overall systems appear functional though some items (water heater, panel, appliance hookups) require on-site verification."
}
],
"red_flags": [
"Unsafe stairs / deteriorated concrete and wood treads at front and rear entries (trip/fall hazard)",
"No visible smoke detectors or CO detectors in listing photos (must verify/install)",
"GFCI presence in kitchen/bath not shown (needs verification)"
],
"confidence": 0.8,
"assumptions": [
"Interior smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or not recently tested and will need verification/installation.",
"Electrical panel condition, presence of GFCI outlets in kitchen/bath, and water heater condition were not photographed — assume serviceable but require on-site verification and testing.",
"No interior mold, active leaks, or major plumbing failures are present; absence of evidence in photos is assumed as no visible staining or damage.",
"Roof has no active leaks or major damage beyond what is visible in exterior photos.",
"Stairs/landings are structurally sound below surface where not visibly crumbled, but surface deterioration observed is significant enough to require repair."
],
"score_method": "mean_of_criteria",
"overall_score": 67.7,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7682585509"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.