Property ID: 7689405176
2031 Hollins Dr, Birmingham, AL, 35205
Birmingham, AL
Money Down: $28,800
CoC Return: 15.45%
Monthly Cash Flow: $371
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
15.45%
Rent
$1,347
Monthly Cash Flow
$371
Annual Cash Flow
$4,448
Debt Service / Mo
$639
Property Tax / Mo
$130
Insurance / Mo
$73
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,347
Payment Standard
$1,870
Rent
$1,347
Insurance
$73
Property Tax
$130
Management
$135
Utilities Allowance
$523
NOI (Monthly)
$1,009
Debt Service
$639
Cash Flow After Debt
$371
Quality Score: 86.00%
Confidence: 91.00%
This 3 bed / 2 bath property appears turnkey for Section 8 tenancy with strong recent system upgrades (AC, water heater, electrical panels, stove) and well-maintained interior and exterior. Most NSPIRE safety and system items are likely met; only a few verification items (presence and placement of smoke detectors/CO alarms, GFCI outlets, and bedroom egress measurements) remain unconfirmed from photos. Expect a high likelihood to pass an initial HCV/NSPIRE inspection with minimal fixes (likely detector installation or GFCI replacements if missing).
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
1,173 sqft
Lot Size
6,098 sqft
Year Built
1951
Days on Market
201
Capital Outlay
$28,800
Debt Service
$639
Property Tax / Mo
$130
Insurance / Mo
$73
Property Description
This beautifully updated 3 bed, 2 bath home is generating $1,400/month in rental income and sits just 5 minutes from downtown Birmingham in the highly desirable South Titusville neighborhood. With a long-term tenant already in place, this property offers immediate, hassle-free cash flow. Inside, you'll find a warm, open-concept layout perfect for modern living, featuring a spacious kitchen with a large granite island, plenty of storage, and a dedicated laundry area. The private primary suite includes an additional flex space and personal bath. Recent upgrades (2022) include a new electric water heater, stove/oven, electrical panels, and A/C unit. Outside boasts a large, fenced-in backyard and a storage shed. Whether you're growing your portfolio or looking for a turnkey rental in a rapidly developing area, this is one you don't want to miss! Tenant in place please do not disturb.
Utility Allowances
Cooking
$21
Property has an electric stove. 'Alabama Power' is selected as the most likely provider in Birmingham.
Heating
$93
Property has 'Central' heating. Electric heat is assumed because the stove, A/C, and water heater are all electric. 'Alabama Power' is the most likely provider.
Cooling
$22
Property has Central A/C. 'Alabama Power' is selected as the most likely electric provider.
Water Heating
$56
Property data explicitly states an 'Electric Water Heater'. 'Alabama Power' is the most likely provider.
Water
$78
The property has 'Public Water' and is located in Birmingham, directly matching this schedule option.
Sewer
$151
The property is explicitly listed as being 'Sewer Connected'.
Trash Collection
$20
As the property is in Birmingham (Jefferson County) and no specific 'Birmingham' option exists, the 'Jefferson City' (assumed Jefferson County) option is the most suitable choice.
Other Electric
$68
This covers general electric use for lights and other tenant-provided appliances. 'Alabama Power' is selected as the most likely provider.
Refrigerator
$8
The property listing does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned.
Range/Microwave
$6
The property listing does not explicitly state a microwave is provided, so it 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$718
DP3 Annual Estimate$1,023
DP1 Monthly Equivalent$60
DP3 Monthly Equivalent$85
Replacement Value$88,200
Basis1,173 sqft / 1951
Nearby Houses
Photo unavailable
2023 Hollins Dr
sold · 0.04 mi
Price: $95,000
3 bd / 1 ba · 1,120 sqft
Latest sale: $95,000 on Jul 18, 2022
Latest rent: $1,200 on Dec 01, 2025
Photo unavailable
2021 Hollins Dr
sold · 0.05 mi
Price: $105,000
3 bd / 1 ba · 956 sqft
Latest sale: $105,000 on Jan 10, 2025
Latest rent: —
Photo unavailable
2021 Center Way S
sold · 0.06 mi
Price: $115,000
3 bd / 2 ba · 1,238 sqft
Latest sale: $115,000 on Dec 06, 2019
Latest rent: —
Photo unavailable
2019 Hollins Dr
sold · 0.06 mi
Price: $165,000
3 bd / 2 ba · 1,120 sqft
Latest sale: $165,000 on Jan 23, 2026
Latest rent: —
Photo unavailable
2031 Center Way S
sold · 0.06 mi
Price: $38,000
2 bd / 1 ba · 1,008 sqft
Latest sale: $38,000 on Oct 29, 2018
Latest rent: —
Photo unavailable
2019 Center Way S
sold · 0.06 mi
Price: $56,000
3 bd / 1 ba · 905 sqft
Latest sale: $56,000 on Mar 28, 2022
Latest rent: $725 on Mar 17, 2016
Photo unavailable
2045 Hollins Dr
sold · 0.07 mi
Price: $95,000
3 bd / 1 ba · 1,406 sqft
Latest sale: $95,000 on Jun 16, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing disclosure is accurate: A/C, electric water heater, stove/oven and electrical panels were replaced in 2022 and are operational.
- Tenant in place limited full visual verification; interior photos reflect typical condition of all rooms but not continuous operation testing.
- Smoke detectors and CO alarms are not visible in photos; assume smoke detectors are present but their placement/quantity is unverified.
- GFCI protection in kitchen and bathrooms is not visible; assume likely present in renovated areas but not confirmed.
- Bedroom egress windows are assumed to meet size/egress requirements based on visible standard-size windows but were not measured.
- No concealed structural problems (foundation movement, active roof leaks) are apparent in photos; absence of visible distress was used to infer low risk.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,519 | $104,800 | $20,960 |
| 2023 | $1,519 | $104,800 | $20,960 |
| 2022 | $807 | $55,700 | $11,140 |
| 2021 | $709 | $48,900 | $9,780 |
| 2020 | $709 | $48,900 | $9,780 |
| 2019 | $709 | $48,900 | $9,780 |
| 2018 | $672 | $46,400 | $9,280 |
| 2017 | $577 | $39,800 | $7,960 |
| 2016 | $672 | $46,400 | $9,280 |
| 2015 | $638 | $44,000 | $8,800 |
| 2013 | $362 | $22,400 | $4,480 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-07-15 | Sold | $120,000 |
| 2022-03-08 | Sold | $42,000 |
| 2011-11-01 | Sold | $21,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-03-20 | Listed for rent | $1,400 | — |
| 2023-01-19 | Listed for rent | $1,400 | — |
Photo Gallery
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"last_status_change_date": "2011-11-18T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "470675",
"price_change_percentage": null
},
{
"date": "2011-09-05",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2010-07-05T07:00:00Z",
"list_price": 49900,
"listing_id": "520059359",
"last_update_date": "2011-11-30T21:00:47Z",
"last_status_change_date": "2011-11-18T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "470675",
"price_change_percentage": null
},
{
"date": "2011-07-20",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2010-07-05T07:00:00Z",
"list_price": 49900,
"listing_id": "520059359",
"last_update_date": "2011-11-30T21:00:47Z",
"last_status_change_date": "2011-11-18T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "470675",
"price_change_percentage": null
},
{
"date": "2011-03-14",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2010-07-05T07:00:00Z",
"list_price": 49900,
"listing_id": "520059359",
"last_update_date": "2011-11-30T21:00:47Z",
"last_status_change_date": "2011-11-18T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "470675",
"price_change_percentage": null
},
{
"date": "2011-03-07",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2010-07-05T07:00:00Z",
"list_price": 49900,
"listing_id": "520059359",
"last_update_date": "2011-11-30T21:00:47Z",
"last_status_change_date": "2011-11-18T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "470675",
"price_change_percentage": null
},
{
"date": "2011-01-24",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2010-07-05T07:00:00Z",
"list_price": 49900,
"listing_id": "520059359",
"last_update_date": "2011-11-30T21:00:47Z",
"last_status_change_date": "2011-11-18T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "203 days",
"source_listing_id": "470675",
"price_change_percentage": null
},
{
"date": "2010-07-05",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2010-07-05T07:00:00Z",
"list_price": 49900,
"listing_id": "520059359",
"last_update_date": "2011-11-30T21:00:47Z",
"last_status_change_date": "2011-11-18T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "470675",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7689405176",
"generated_at": "2026-02-16T02:18:32.204024Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 86.0
},
"utility_allowance": {
"zip_code": "35205",
"home_photo": "https://ap.rdcpix.com/f57f1e58355ed94a06680d8717b8a43bl-m504450156s-w1280.jpg",
"rent_price": 1347.0,
"loan_amount": 96000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2031-Hollins-Dr_Birmingham_AL_35205_M76894-05176",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 120000.0,
"loan_term_years": 30,
"annual_cash_flow": 12112.53,
"mortgage_monthly": 638.69,
"payment_standard": 1870.0,
"total_amount_out": 24000.0,
"additional_photos": [
"https://ap.rdcpix.com/f57f1e58355ed94a06680d8717b8a43bl-m1991511748s-w1280.jpg",
"https://ap.rdcpix.com/f57f1e58355ed94a06680d8717b8a43bl-m1469941275s-w1280.jpg",
"https://ap.rdcpix.com/f57f1e58355ed94a06680d8717b8a43bl-m1092669636s-w1280.jpg",
"https://ap.rdcpix.com/f57f1e58355ed94a06680d8717b8a43bl-m3754683781s-w1280.jpg",
"https://ap.rdcpix.com/f57f1e58355ed94a06680d8717b8a43bl-m2326925289s-w1280.jpg",
"https://ap.rdcpix.com/f57f1e58355ed94a06680d8717b8a43bl-m960597916s-w1280.jpg",
"https://ap.rdcpix.com/f57f1e58355ed94a06680d8717b8a43bl-m904976918s-w1280.jpg",
"https://ap.rdcpix.com/f57f1e58355ed94a06680d8717b8a43bl-m937886773s-w1280.jpg",
"https://ap.rdcpix.com/f57f1e58355ed94a06680d8717b8a43bl-m43879248s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 72.54,
"monthly_cash_flow": 1009.38,
"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 an electric stove. 'Alabama Power' is selected as the most likely provider in Birmingham.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property has 'Central' heating. Electric heat is assumed because the stove, A/C, and water heater are all electric. 'Alabama Power' is the most likely provider.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has Central A/C. 'Alabama Power' is selected as the most likely electric provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property data explicitly states an 'Electric Water Heater'. 'Alabama Power' is the most likely provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "The property has 'Public Water' and is located in Birmingham, directly matching this schedule option.",
"utility": "Water",
"allowance": 78
},
{
"note": "The property is explicitly listed as being 'Sewer Connected'.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "As the property is in Birmingham (Jefferson County) and no specific 'Birmingham' option exists, the 'Jefferson City' (assumed Jefferson County) option is the most suitable choice.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "This covers general electric use for lights and other tenant-provided appliances. 'Alabama Power' is selected as the most likely provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "The property listing does not explicitly state a refrigerator is provided, so it is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property listing does not explicitly state a microwave is provided, so it is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.5,
"down_payment_amount": 24000.0,
"property_tax_annual": 1564.57,
"property_tax_monthly": 130.38,
"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": 4448.25,
"property_management_monthly": 134.7,
"monthly_cash_flow_after_debt": 370.69,
"cash_on_cash_return_after_debt": 0.19
},
"section8_assessment": {
"runs": [
{
"summary": "This 3 bed / 2 bath property appears turnkey for Section 8 tenancy with strong recent system upgrades (AC, water heater, electrical panels, stove) and well-maintained interior and exterior. Most NSPIRE safety and system items are likely met; only a few verification items (presence and placement of smoke detectors/CO alarms, GFCI outlets, and bedroom egress measurements) remain unconfirmed from photos. Expect a high likelihood to pass an initial HCV/NSPIRE inspection with minimal fixes (likely detector installation or GFCI replacements if missing).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 90.0,
"rationale": "Photos and listing show a recently updated interior (granite counters, new stove, renovated baths, fresh paint, new flooring finish). Exterior paint, new fence and yard are well maintained. Minor routine items (deck finish/stain, small trim touch-ups) may be needed but no visible deferred maintenance or damaged finishes. Missing or worn items are cosmetic and easy to fix."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 78.0,
"rationale": "No visible life‑threatening hazards in photos: no exposed wiring, intact ceilings, solid entry steps with railing, no visible mold or water intrusion, electrical panel present and listing states panels replaced in 2022. Items not visible: smoke detectors and CO alarms (not pictured), GFCI protection in kitchen/baths not verified, egress dimensions not measured. Due to tenant in place and lack of visible detectors, deduct for unverified but likely-correct safety items."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 88.0,
"rationale": "Listing states new A/C, electric water heater, and electrical panels in 2022; an HVAC condenser is visible outside. Kitchen appliances, washer/dryer and new stove are present. Roof appears in good condition in exterior photo. Plumbing fixtures and water access appear working based on renovated baths/kitchen images. Score reduced slightly because operational condition (function under load) cannot be confirmed from photos alone."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior siding and foundation block appear painted and in good condition; driveway/walkway and fenced yard are in good repair. Large fenced backyard and storage shed present. Deck and patio are serviceable though the deck may need staining/fastener checks. No standing water, erosion, or clear foundation movement visible."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing disclosure is accurate: A/C, electric water heater, stove/oven and electrical panels were replaced in 2022 and are operational.",
"Tenant in place limited full visual verification; interior photos reflect typical condition of all rooms but not continuous operation testing.",
"Smoke detectors and CO alarms are not visible in photos; assume smoke detectors are present but their placement/quantity is unverified.",
"GFCI protection in kitchen and bathrooms is not visible; assume likely present in renovated areas but not confirmed.",
"Bedroom egress windows are assumed to meet size/egress requirements based on visible standard-size windows but were not measured.",
"No concealed structural problems (foundation movement, active roof leaks) are apparent in photos; absence of visible distress was used to infer low risk."
],
"overall_score": 91.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This property is highly turnkey for a Housing Choice Voucher/NSPIRE initial inspection. Recent upgrades to HVAC, water heater, and electrical (2022) plus renovated kitchen and baths and present appliances make the home likely to pass most inspection areas with only minor items to verify/repair. Primary inspection risks from photos: absence of visible smoke/CO detectors, lack of visible GFCI near wet areas, and an unrailed backyard deck/platform that could fail guardrail requirements if height exceeds code thresholds. With quick verification and/or installation of detectors, GFCI protection, and guardrail (if required), the property should be rent-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Photos and listing show a recently renovated interior (updated kitchen, baths, new cabinetry/vanities, fresh paint, finished floors). Appliances (stove/oven, refrigerator, washer/dryer) are present and appear functional. Exterior paint and landscaping look maintained. Visible minor items only (deck skirting uneven, small concrete walk edge) — easy cosmetic/finish repairs. Missing appliance risk is low because major appliances are present."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 78.0,
"rationale": "No obvious electrical hazards in photos; electrical panel appears intact and listing notes new electrical panels (2022). Entry steps have a metal handrail. Bedrooms show windows that look large enough for egress. A/C and water heater are electric (reduces CO risk). However smoke/CO detectors are not visible in photos (cannot confirm placement), GFCI outlets near sink/bath are not shown, and the backyard platform/deck pictured has no visible guardrail — if the platform height exceeds local thresholds this could be an NSPIRE fail. These unknowns reduce the score despite generally good visible safety condition."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 90.0,
"rationale": "Listing states new A/C, electric water heater, and electrical panels in 2022. Exterior photo shows an outdoor A/C condenser. Roof shingles look in good condition in photos. Washer/dryer present. No visible signs of plumbing leaks, water intrusion, or HVAC deterioration. Based on listing and images, major systems appear recent and functional."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 90.0,
"rationale": "Front and rear yards are tidy; new wood privacy fence installed; concrete yard pad and pathways are intact; siding and painted foundation look in good repair; no standing water or visible pest infestation. Deck and storage shed present. The backyard concrete area appears usable and safe. Minor attention may be required to deck skirt/finish, but overall exterior/site condition is excellent."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke or carbon monoxide detectors in interior photos — NSPIRE requires working smoke detectors in sleeping areas and on each level; absence would be an inspection fail.",
"Backyard deck/platform has no visible guardrail in photos; if the platform height exceeds local/NSPIRE guard height limits this will result in a fail and requires installation of a guard.",
"GFCI protection not visible at kitchen sink and bathrooms in photos — absence would be a safety/NSPIRE concern and may need remediation or verification."
],
"confidence": 0.75,
"assumptions": [
"Listing description (new A/C, new electric water heater, new electrical panels in 2022) is accurate and those systems are functioning at time of inspection.",
"Bedrooms' windows provide compliant emergency egress dimensions (based on visible window sizes typical for bedrooms in photos).",
"No active roof leaks, hidden mold, major foundation movement, or interior structural damage — none visible in photos and not reported in listing.",
"Entry door has a functioning lockset; deadbolt presence not visible but assumed standard lock installed unless otherwise noted.",
"Smoke detectors, CO alarms, and GFCI outlets were not visible in photos; their presence was assumed possible but unverified and therefore downgraded in safety scoring where relevant.",
"Tenant in place (listing) prevents interior full verification; judgments are made from photos and listing statements."
],
"overall_score": 87.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Well-renovated, turnkey 3BR/2BA with recent system upgrades (2022 electrical panel, water heater, A/C) and active rental history. Visible condition and exterior are strong; likely to pass an initial Section 8/NSPIRE inspection after confirming presence/operation of smoke/CO detectors and GFCI protection. Minimal, fast fixes expected (if required).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing show a recently renovated interior (granite counters, updated kitchen, new bathroom finishes, new flooring), functioning appliances (stove, fridge, washer/dryer) and tidy cosmetic condition. Minor exterior finish items (deck skirting exposed in photos) and typical tenant-wear are visible; no major deferred-maintenance observed. Missing small cosmetic items (if any) are easy fixes."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 80.0,
"rationale": "No visible exposed wiring, electrical panel appears modern and intact (panel visible in kitchen photo), bedrooms have windows for egress, front steps have a handrail, exterior shows secure fenced yard. However smoke detectors and carbon-monoxide alarms are not visible in the photos and GFCI protection for kitchen/bath outlets is not clearly shown—these items commonly trigger NSPIRE findings if absent. No evidence of water intrusion, active mold, or structural hazards in supplied photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 88.0,
"rationale": "Listing states and photos support recent (2022) replacements: electric water heater, electrical panels, and A/C unit; an exterior condenser is visible. Appliances (stove/oven, washer/dryer) are present and appear operable. Roof shingles visible in photos look intact. Based on visible evidence and listing claims, major systems appear functional and recently updated."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 90.0,
"rationale": "Exterior siding and paint look in good repair, foundation visible and painted, walkway and steps are intact, new wooden privacy fence and storage shed present, large fenced yard and concrete pad provide safe egress and recreation space. No standing water or significant grading issues visible. Deck appears serviceable though skirt/under-deck exposure is noted (cosmetic)."
},
{
"key": "rental_history_activity",
"label": "Rental History / Occupancy Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing claims (2022) replacements of electric water heater, electrical panels, and A/C are accurate and units are operational as of photos/listing.",
"Washer and dryer are properly installed with correct hookups and dryer venting (dryer appears electric).",
"Smoke detectors and carbon monoxide alarms exist but are not visible in photos; if absent they would need to be installed prior to inspection.",
"GFCI protection for kitchen and bathroom outlets is either present or will be a straightforward correction if missing.",
"Front entry door has a functioning lock (deadbolt) although not clearly visible in photos.",
"No hidden major defects (roof leaks, foundation movement, severe mold) beyond what is visible in photos; photos show no signs of those issues."
],
"overall_score": 87.0,
"rubric_version": "2026-02-HCV-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2031 Hollins Dr, Birmingham, AL, 35205",
"aggregate": {
"summary": "This 3 bed / 2 bath property appears turnkey for Section 8 tenancy with strong recent system upgrades (AC, water heater, electrical panels, stove) and well-maintained interior and exterior. Most NSPIRE safety and system items are likely met; only a few verification items (presence and placement of smoke detectors/CO alarms, GFCI outlets, and bedroom egress measurements) remain unconfirmed from photos. Expect a high likelihood to pass an initial HCV/NSPIRE inspection with minimal fixes (likely detector installation or GFCI replacements if missing).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 88.3,
"rationale": "Photos and listing show a recently updated interior (granite counters, new stove, renovated baths, fresh paint, new flooring finish). Exterior paint, new fence and yard are well maintained. Minor routine items (deck finish/stain, small trim touch-ups) may be needed but no visible deferred maintenance or damaged finishes. Missing or worn items are cosmetic and easy to fix."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 88.3,
"rationale": "Exterior siding and foundation block appear painted and in good condition; driveway/walkway and fenced yard are in good repair. Large fenced backyard and storage shed present. Deck and patio are serviceable though the deck may need staining/fastener checks. No standing water, erosion, or clear foundation movement visible."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 78.7,
"rationale": "No visible life‑threatening hazards in photos: no exposed wiring, intact ceilings, solid entry steps with railing, no visible mold or water intrusion, electrical panel present and listing states panels replaced in 2022. Items not visible: smoke detectors and CO alarms (not pictured), GFCI protection in kitchen/baths not verified, egress dimensions not measured. Due to tenant in place and lack of visible detectors, deduct for unverified but likely-correct safety items."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 88.7,
"rationale": "Listing states new A/C, electric water heater, and electrical panels in 2022; an HVAC condenser is visible outside. Kitchen appliances, washer/dryer and new stove are present. Roof appears in good condition in exterior photo. Plumbing fixtures and water access appear working based on renovated baths/kitchen images. Score reduced slightly because operational condition (function under load) cannot be confirmed from photos alone."
}
],
"red_flags": [],
"confidence": 0.91,
"assumptions": [
"Listing disclosure is accurate: A/C, electric water heater, stove/oven and electrical panels were replaced in 2022 and are operational.",
"Tenant in place limited full visual verification; interior photos reflect typical condition of all rooms but not continuous operation testing.",
"Smoke detectors and CO alarms are not visible in photos; assume smoke detectors are present but their placement/quantity is unverified.",
"GFCI protection in kitchen and bathrooms is not visible; assume likely present in renovated areas but not confirmed.",
"Bedroom egress windows are assumed to meet size/egress requirements based on visible standard-size windows but were not measured.",
"No concealed structural problems (foundation movement, active roof leaks) are apparent in photos; absence of visible distress was used to infer low risk."
],
"score_method": "mean_of_criteria",
"overall_score": 86.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7689405176"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.