Property ID: 7690182320
48 Lucaya Dr, Kenner, LA, 70065
Kenner, LA
Money Down: $69,360
CoC Return: -7.46%
Monthly Cash Flow: $-431
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$57,800
Closing Costs
$11,560
Total Down
$69,360
Investment Snapshot
Purchase Price
$289,000
Money Down
$69,360
Cash-on-Cash Return
-7.46%
Rent
$1,696
Monthly Cash Flow
$-431
Annual Cash Flow
$-5,175
Debt Service / Mo
$1,538
Property Tax / Mo
$285
Insurance / Mo
$135
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$135
Property Tax
$285
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,107
Debt Service
$1,538
Cash Flow After Debt
$-431
Quality Score: 78.00%
Confidence: 90.00%
This 1979 single-family home presents as largely turnkey for Section 8/HCV tenancy. Interior finishes and systems appear well maintained and recently updated; roof, gutters, HVAC and double-pane windows are noted in the listing and supported by photos. Main inspection risks are documentation/installation items that are not visible in photos (carbon monoxide detector near gas appliances, GFCI protection at wet locations, and confirmation of water heater/electrical panel condition). Missing dishwasher (removed) is an easy appliance replacement. With a brief targeted checklist (confirm CO and smoke detectors, verify GFCI outlets, confirm hot water and serviceable electrical panel), the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$289,000
Beds
3
Baths
2
Living Area
1,732 sqft
Lot Size
6,098 sqft
Year Built
1979
Days on Market
218
Capital Outlay
$69,360
Debt Service
$1,538
Property Tax / Mo
$285
Insurance / Mo
$135
Property Description
Driftwood Charmer 100% Financing Available with $5000.00 grant through Hancock Whitney/ $3100/yr HO insurance quote! Or owner is willing to entertain a Bond For Deed, with 3 year balloon. 3 bedroom, 2 bath well maintained home is move-in ready! The spacious layout features cozy wood burning gas starter fireplace in a sunken living area, large open kitchen and wet bar which also opens to den and the back yard making it an excellent entertaining space with great natural light. A separate dining room offers flexibility as a formal space or a home office. All three bedrooms are generously sized with ample closet space, and the primary suite opens directly to the backyard, creating an inviting retreat. Double car garage, newer roof, gutters fence, hvac, double paned windows except in living rm. Located in the heart of the family-friendly Driftwood neighborhood, where Mardi Gras season kicks off with a community parade, this home is convenient to schools (Schneckenburg elementary is highly rated and only a few blocks away), shopping, and the airport. Enjoy nearby Kenner Lakefront views and entertainment at the Treasure Chest Casino. Affordable, convenient, and full of charm-this is the perfect place to call home! Dishwasher was taken out.
Utility Allowances
Heating (Natural Gas)
$70
Property has central heating and 'Gas: Natural' is listed as an available utility.
Cooking (Natural Gas)
$12
Property has 'Gas: Natural' and includes a 'Range/Oven', making a gas stove the most likely option.
Water Heating (Natural Gas)
$24
Inferred based on the availability of natural gas for other major appliances (heating and cooking).
Water
$43
Property details state 'Water Source: Public'.
Sewer
$46
Property details state 'Sewer: City'.
Trash Collection
$25
Assumed as a standard tenant-paid utility for a single-family home.
Other Electric (incl. A/C)
$67
Standard allowance for lighting, central A/C, and other tenant-provided plug-in appliances.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,619
DP3 Annual Estimate$1,619
DP1 Monthly Equivalent$135
DP3 Monthly Equivalent$135
Replacement Value$260,000
Basis1,732 sqft / 1979
Nearby Houses
Photo unavailable
39 Lucaya Dr
sold · 0.04 mi
Price: $249,999
4 bd / 2 ba · 1,952 sqft
Latest sale: —
Latest rent: —
Photo unavailable
53 Antigua Dr Apt D
for_sale · 0.08 mi
Price: $130,000
2 bd / 2 ba · 1,325 sqft
Latest sale: —
Latest rent: —
Photo unavailable
53 Antigua Dr Apt C
for_sale · 0.08 mi
Price: $105,000
2 bd / 2 ba · 1,050 sqft
Latest sale: — on Apr 28, 2017
Latest rent: —
Photo unavailable
75 Lucaya Dr
for_sale · 0.09 mi
Price: $305,000
4 bd / 3 ba · 2,000 sqft
Latest sale: —
Latest rent: —
Photo unavailable
38 Antigua Dr
for_sale · 0.12 mi
Price: $392,500
4 bd / 3 ba · 2,601 sqft
Latest sale: —
Latest rent: —
Photo unavailable
57 Driftwood Blvd
for_sale · 0.14 mi
Price: $325,000
3 bd / 2 ba · 2,012 sqft
Latest sale: —
Latest rent: —
Photo unavailable
45 Osborne Ave
sold · 0.14 mi
Price: $345,000
4 bd / 3 ba · 2,288 sqft
Latest sale: —
Latest rent: —
Photo unavailable
31 Antigua Dr
for_sale · 0.15 mi
Price: $285,000
3 bd / 2 ba · 1,653 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing is accurate that roof, gutters, and HVAC are newer and in working order; photos show no visible roof failure.
- A smoke detector is present in living area (visible in photos); additional detectors/CO devices may not be shown but are assumed not to be installed unless confirmed.
- No active plumbing leaks or water intrusion are present since there are no visible water stains or mold in interior images.
- Electrical panel, water heater, and plumbing systems are present and functional but were not photographed; they are assumed serviceable based on overall condition and recent updates.
- Bedroom windows provide required egress (not individually verified from photos).
- Missing dishwasher (noted in listing) is the primary missing appliance; refrigerator and range are present and appear functional.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $3,315 | $312,000 | $31,200 |
| 2024 | $3,327 | $312,000 | $31,200 |
| 2023 | $3,096 | $312,000 | $31,200 |
| 2022 | $1,452 | $149,100 | $14,910 |
| 2021 | $1,339 | $149,100 | $14,910 |
| 2020 | $1,327 | $149,100 | $14,910 |
| 2019 | $1,354 | $149,100 | $14,910 |
| 2018 | $1,234 | $149,100 | $14,910 |
| 2017 | $1,234 | $149,100 | $14,910 |
| 2016 | $1,234 | $149,100 | $14,910 |
| 2015 | $1,253 | $149,100 | $14,910 |
| 2014 | $1,249 | $149,100 | $14,910 |
| 2013 | $1,249 | $149,100 | $14,910 |
| 2012 | $620 | $149,100 | $14,910 |
| 2011 | $615 | $147,200 | $14,720 |
| 2010 | $948 | $147,200 | $14,720 |
| 2009 | $1,215 | $147,200 | $14,720 |
| 2008 | $457 | — | $14,720 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-26 | Price Changed | $289,000 |
| 2025-09-03 | Listed | $299,000 |
| 2023-02-27 | Sold | $0 |
| 2023-02-17 | Listing removed | $0 |
| 2013-02-06 | Listing removed | $227,400 |
| 2012-07-10 | Listed | $227,400 |
| 1996-05-01 | Sold | $0 |
Photo Gallery
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"price_sqft": 133.76470588235293,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "920757",
"price_change_percentage": null
},
{
"date": "1996-05-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"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": "7690182320",
"generated_at": "2026-03-27T02:35:46.799046Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 78.0
},
"utility_allowance": {
"zip_code": "70065",
"home_photo": "https://ap.rdcpix.com/d29a600e74eecd5ea02f31cfa59bd495l-m4008205522s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 231200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/48-Lucaya-Dr_Kenner_LA_70065_M76901-82320",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 289000.0,
"loan_term_years": 30,
"annual_cash_flow": 13283.35,
"mortgage_monthly": 1538.18,
"payment_standard": 1983.0,
"total_amount_out": 57800.0,
"additional_photos": [
"https://ap.rdcpix.com/d29a600e74eecd5ea02f31cfa59bd495l-m2627524466s-w1280.jpg",
"https://ap.rdcpix.com/d29a600e74eecd5ea02f31cfa59bd495l-m1777103752s-w1280.jpg",
"https://ap.rdcpix.com/d29a600e74eecd5ea02f31cfa59bd495l-m4109838297s-w1280.jpg",
"https://ap.rdcpix.com/d29a600e74eecd5ea02f31cfa59bd495l-m976257022s-w1280.jpg",
"https://ap.rdcpix.com/d29a600e74eecd5ea02f31cfa59bd495l-m3927702965s-w1280.jpg",
"https://ap.rdcpix.com/d29a600e74eecd5ea02f31cfa59bd495l-m2357288423s-w1280.jpg",
"https://ap.rdcpix.com/d29a600e74eecd5ea02f31cfa59bd495l-m2726292978s-w1280.jpg",
"https://ap.rdcpix.com/d29a600e74eecd5ea02f31cfa59bd495l-m167417497s-w1280.jpg",
"https://ap.rdcpix.com/d29a600e74eecd5ea02f31cfa59bd495l-m140738491s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 134.92,
"monthly_cash_flow": 1106.95,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating and 'Gas: Natural' is listed as an available utility.",
"utility": "Heating (Natural Gas)",
"allowance": 70
},
{
"note": "Property has 'Gas: Natural' and includes a 'Range/Oven', making a gas stove the most likely option.",
"utility": "Cooking (Natural Gas)",
"allowance": 12
},
{
"note": "Inferred based on the availability of natural gas for other major appliances (heating and cooking).",
"utility": "Water Heating (Natural Gas)",
"allowance": 24
},
{
"note": "Property details state 'Water Source: Public'.",
"utility": "Water",
"allowance": 43
},
{
"note": "Property details state 'Sewer: City'.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "Assumed as a standard tenant-paid utility for a single-family home.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Standard allowance for lighting, central A/C, and other tenant-provided plug-in appliances.",
"utility": "Other Electric (incl. A/C)",
"allowance": 67
}
],
"cash_on_cash_return": 0.23,
"down_payment_amount": 57800.0,
"property_tax_annual": 3414.45,
"property_tax_monthly": 284.54,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -5174.8,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -431.23,
"cash_on_cash_return_after_debt": -0.09
},
"section8_assessment": {
"runs": [
{
"summary": "This 1979 single-family home presents as largely turnkey for Section 8/HCV tenancy. Interior finishes and systems appear well maintained and recently updated; roof, gutters, HVAC and double-pane windows are noted in the listing and supported by photos. Main inspection risks are documentation/installation items that are not visible in photos (carbon monoxide detector near gas appliances, GFCI protection at wet locations, and confirmation of water heater/electrical panel condition). Missing dishwasher (removed) is an easy appliance replacement. With a brief targeted checklist (confirm CO and smoke detectors, verify GFCI outlets, confirm hot water and serviceable electrical panel), the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Property photos and listing show a well-maintained interior with recent cosmetic updates (fresh paint, tile floors, updated fixtures). Kitchen and living areas appear clean and intact. Minor deferred items: landscaping overgrowth at front entry, small driveway/path cracks, and listing notes dishwasher was removed. Missing dishwasher/refrigerator would be an easy-to-fix appliance-level item and reduces the score moderately but does not indicate structural problems."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible in photos: no collapsed ceilings, no standing water, no visible major mold or severe peeling paint. A smoke detector is visible on a ceiling in the living area (photo 4). However presence of carbon-monoxide detector is not shown and is important because listing references a gas-started wood-burning fireplace and a gas range; absence would be a NSPIRE fail. GFCI outlets at sink areas are not visible in photos. Electrical panel and full wiring condition are not shown. Exterior egress looks adequate with rear French doors and bedroom windows likely compliant (not individually verified). Overall low-to-moderate code risk based on photos but missing/undocumented CO and GFCI devices lower the score."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 80.0,
"rationale": "Listing states newer roof, gutters, and HVAC; photos show roof in good cosmetic condition and ceiling supply vents present, supporting that HVAC exists and was updated. Kitchen appliances (range, microwave, refrigerator) are present and look serviceable; dishwasher removed per listing. Water heater and electrical panel were not shown. No visible water stains or obvious plumbing leaks in interior photos. Given visible condition and seller claims of recent system replacements, systems appear functional, but unverified elements (water heater, panel) keep this at a high-but-not-perfect level."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Exterior photos show a tidy yard, intact siding/stucco, attached double garage, newer-looking roof and gutters per listing, and a fenced yard. Walkway and driveway show some cracking but nothing severe. No visible foundation movement, sagging rooflines, or standing water around the foundation in supplied photos. Overall the exterior appears well maintained and low risk for NSPIRE inspection."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing is accurate that roof, gutters, and HVAC are newer and in working order; photos show no visible roof failure.",
"A smoke detector is present in living area (visible in photos); additional detectors/CO devices may not be shown but are assumed not to be installed unless confirmed.",
"No active plumbing leaks or water intrusion are present since there are no visible water stains or mold in interior images.",
"Electrical panel, water heater, and plumbing systems are present and functional but were not photographed; they are assumed serviceable based on overall condition and recent updates.",
"Bedroom windows provide required egress (not individually verified from photos).",
"Missing dishwasher (noted in listing) is the primary missing appliance; refrigerator and range are present and appear functional."
],
"overall_score": 78.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Overall this home appears largely turnkey for a Housing Choice Voucher initial inspection. Interior and exterior cosmetic condition and major systems appear well maintained; listing indicates recent roof and HVAC replacements. Primary inspection risks are code items that are not verifiable from photographs: absence of a visible carbon monoxide alarm (important because of the gas range and gas-starter fireplace), unverified GFCI protection at kitchen/bath outlets, and unconfirmed condition of the water heater and electrical panel. These are likely small/quick fixes (install CO alarm, install/verify GFCI, verify water heater/electrical) and the property should be rent-ready within ~30 days after those checks/repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Photos and listing describe a well-maintained 1979 single-family home with updated roof, gutters, HVAC and double-pane windows in most rooms. Interior tile flooring, cabinets and countertops appear in good condition. Only visible deferred item is a removed dishwasher (listing notes 'Dishwasher was taken out') and minor exterior walkway/driveway cracks. No visible water stains, ceiling damage, peeling paint or severe deferred maintenance in the images. Overall cosmetic condition is good; missing dishwasher reduces score moderately but is not a safety failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 74.0,
"rationale": "A ceiling smoke alarm is visible in photos (living area). Entry door appears secure with a conventional lock and likely deadbolt. No exposed high-voltage wiring or collapsed ceilings are visible. Bedrooms and egress appear likely given window sizes shown, and rear French doors provide additional egress. Concerns: no carbon monoxide (CO) detector is visible in photos despite a gas-range and a fireplace with a gas starter (CO detectors are typically required where gas appliances/fireplaces are present). GFCI-protected receptacles at the kitchen sink are not verifiable from images. Plumbing fixtures and hot water availability are not shown but are assumed functioning. Because CO detector presence and GFCI protection cannot be confirmed, there is moderate NSPIRE risk that will need quick fixes to pass inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 80.0,
"rationale": "Listing states 'newer roof' and 'newer HVAC' and roof visuals look in good condition. Ceiling HVAC vents are visible and appear intact. Kitchen shows a gas range and refrigerator; water heater and electrical panel are not shown, so their condition is assumed serviceable. Fireplace/chimney appears structurally intact but the gas-start system/flue should be serviced/verified before tenancy. No visible signs of active leaks, sagging roof sections, or major system failure in photos. Unknowns (electrical panel age, water heater condition) prevent a higher score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 86.0,
"rationale": "Exterior photos show a maintained lawn, intact siding/stucco, a fenced backyard, gutters, and an attached double-car garage. Roof and chimney look in good shape from exterior photos. Walkway and driveway have minor cracking but no trip-slope hazards apparent. Yard and fence appear serviceable for tenant use. No visible standing water, major foundation settlement, or infestation evidence in provided images."
}
],
"red_flags": [
"No visible carbon monoxide (CO) detector in photos despite presence of gas range and a gas-starter fireplace — install/verify required prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"Listing is accurate: roof and HVAC are newer and in working condition as stated.",
"Bedrooms have code-compliant egress windows typical for homes of this style; none shown to be boarded or obstructed.",
"Water heater and primary plumbing are present and operational though not visible in photos.",
"Electrical panel exists inside the home and is intact; no visible exterior signs of electrical hazard were observed.",
"Front entry lock includes a deadbolt or equivalent secure locking device (photo shows standard hardware).",
"Fireplace is in functional cosmetic condition but gas components/flue have not been inspected in photos."
],
"overall_score": 80.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Overall the property appears to be in good condition and likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after addressing a few minor items. Strengths: newer roof/HVAC reported, clean interior finishes, functioning kitchen appliances (except dishwasher), intact ceilings and walls, fenced yard. Primary inspection risks to verify/mitigate before an inspection: install/verify carbon monoxide detectors (required with gas appliances), confirm GFCI protection in kitchen/bath, repair/level front walkway and clearly mark or remedy the sunken living room step for occupant safety, and confirm functioning water heater and electrical panel status. These are mostly minor to moderate fixes — expect rent-readiness within 1–4 weeks if addressed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior and exterior photos show a well-maintained, recently updated home: tiled floors, painted walls, intact cabinetry and countertops, and no visible water stains or major cosmetic damage. Kitchen appliances (refrigerator and gas range) are present; listing notes dishwasher was removed — this is a moderate, non-safety repair. Minor deferred items visible: walkway and driveway cracks, some yard/plant overgrowth near front entrance, and cosmetic wear consistent with a lived-in but updated house. These are easy-to-fix or capital-only items and should not prevent rental after modest work."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 68.0,
"rationale": "A ceiling smoke detector is visible in photos (living area). There are gas appliances (gas range and a wood-burning fireplace with gas starter reported), which triggers a CO-detector requirement — no CO detector is visible in photos. Bedroom egress, GFCI protection at kitchen sink, and presence of detectors in bedrooms are not visible; assume typical compliance but unconfirmed. Notable trip hazards: cracked/uneven front walkway and the sunken living room step; these increase inspection attention. No exposed wiring, active leaks, collapsed ceilings, or visible major structural issues in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 76.0,
"rationale": "Listing explicitly states newer roof, gutters, and HVAC; photos show an intact roof and ceiling vents consistent with a functioning HVAC system. Kitchen shows a gas range and modern-looking fixtures. Water heater/utility equipment not pictured so its condition is unknown. Electrical panel not visible. Based on listing language and visible finishes, major systems appear recently updated and likely operational, but confirmation (water heater, panel, CO alarm) is recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Well-kept lawn, intact siding/paint, fenced backyard visible through French doors, and a two-car garage. Roof appears in good condition. Minor exterior defects include cracking/uneven concrete on the walkway and some driveway cracking; landscaping overgrowth near the entry (could obscure walkway). No signs of standing water, major foundation cracks, or infestation visible in photos."
}
],
"red_flags": [
"No visible carbon monoxide detector in photographs despite gas range and fireplace — CO detector required with fuel-burning appliances.",
"Uneven/cracked front walkway creating trip hazard.",
"Sunken living room step (change in floor level) presents an indoor trip/fall hazard and should be clearly marked or modified."
],
"confidence": 0.7,
"assumptions": [
"Listing statement about newer roof, gutters, and HVAC is accurate and those systems are operational.",
"No obvious interior water stains or mold visible in photos means no active leaks; unseen plumbing could still have issues.",
"Smoke detector visible in living room is functional; additional detectors in bedrooms likely present but not photographed.",
"No carbon monoxide detectors were visible in listing photos; assume none installed or not visible and therefore must be confirmed/installed due to gas appliances.",
"Electrical panel and GFCI outlets are not shown; assumed to be present and intact but require verification during inspection.",
"Bedroom windows meet egress requirements (not pictured) — assumed typical for a 1979-built single-family home unless proven otherwise.",
"Removed dishwasher (noted in listing) is a non-safety, capital repair and will not be treated as an inspection-fail item by itself."
],
"overall_score": 75.0,
"rubric_version": "ns_prep_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "48 Lucaya Dr, Kenner, LA, 70065",
"aggregate": {
"summary": "This 1979 single-family home presents as largely turnkey for Section 8/HCV tenancy. Interior finishes and systems appear well maintained and recently updated; roof, gutters, HVAC and double-pane windows are noted in the listing and supported by photos. Main inspection risks are documentation/installation items that are not visible in photos (carbon monoxide detector near gas appliances, GFCI protection at wet locations, and confirmation of water heater/electrical panel condition). Missing dishwasher (removed) is an easy appliance replacement. With a brief targeted checklist (confirm CO and smoke detectors, verify GFCI outlets, confirm hot water and serviceable electrical panel), the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Property photos and listing show a well-maintained interior with recent cosmetic updates (fresh paint, tile floors, updated fixtures). Kitchen and living areas appear clean and intact. Minor deferred items: landscaping overgrowth at front entry, small driveway/path cracks, and listing notes dishwasher was removed. Missing dishwasher/refrigerator would be an easy-to-fix appliance-level item and reduces the score moderately but does not indicate structural problems."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 83.7,
"rationale": "Exterior photos show a tidy yard, intact siding/stucco, attached double garage, newer-looking roof and gutters per listing, and a fenced yard. Walkway and driveway show some cracking but nothing severe. No visible foundation movement, sagging rooflines, or standing water around the foundation in supplied photos. Overall the exterior appears well maintained and low risk for NSPIRE inspection."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.7,
"rationale": "No obvious life-threatening hazards visible in photos: no collapsed ceilings, no standing water, no visible major mold or severe peeling paint. A smoke detector is visible on a ceiling in the living area (photo 4). However presence of carbon-monoxide detector is not shown and is important because listing references a gas-started wood-burning fireplace and a gas range; absence would be a NSPIRE fail. GFCI outlets at sink areas are not visible in photos. Electrical panel and full wiring condition are not shown. Exterior egress looks adequate with rear French doors and bedroom windows likely compliant (not individually verified). Overall low-to-moderate code risk based on photos but missing/undocumented CO and GFCI devices lower the score."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 78.7,
"rationale": "Listing states newer roof, gutters, and HVAC; photos show roof in good cosmetic condition and ceiling supply vents present, supporting that HVAC exists and was updated. Kitchen appliances (range, microwave, refrigerator) are present and look serviceable; dishwasher removed per listing. Water heater and electrical panel were not shown. No visible water stains or obvious plumbing leaks in interior photos. Given visible condition and seller claims of recent system replacements, systems appear functional, but unverified elements (water heater, panel) keep this at a high-but-not-perfect level."
}
],
"red_flags": [],
"confidence": 0.9,
"assumptions": [
"Listing is accurate that roof, gutters, and HVAC are newer and in working order; photos show no visible roof failure.",
"A smoke detector is present in living area (visible in photos); additional detectors/CO devices may not be shown but are assumed not to be installed unless confirmed.",
"No active plumbing leaks or water intrusion are present since there are no visible water stains or mold in interior images.",
"Electrical panel, water heater, and plumbing systems are present and functional but were not photographed; they are assumed serviceable based on overall condition and recent updates.",
"Bedroom windows provide required egress (not individually verified from photos).",
"Missing dishwasher (noted in listing) is the primary missing appliance; refrigerator and range are present and appear functional."
],
"score_method": "mean_of_criteria",
"overall_score": 78.0,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7690182320"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.