Property ID: 7696387878
3809 E Louisiana State Dr, Kenner, LA, 70065
Kenner, LA
Money Down: $60,000
CoC Return: 5.03%
Monthly Cash Flow: $251
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$50,000
Closing Costs
$10,000
Total Down
$60,000
Investment Snapshot
Purchase Price
$250,000
Money Down
$60,000
Cash-on-Cash Return
5.03%
Rent
$2,002
Monthly Cash Flow
$251
Annual Cash Flow
$3,018
Debt Service / Mo
$1,331
Property Tax / Mo
$113
Insurance / Mo
$107
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,002
Payment Standard
$2,328
Rent
$2,002
Insurance
$107
Property Tax
$113
Management
$200
Utilities Allowance
$326
NOI (Monthly)
$1,582
Debt Service
$1,331
Cash Flow After Debt
$251
Quality Score: 81.00%
Confidence: 92.00%
Overall this single-family home appears largely turnkey for Section 8 / HCV occupancy. Cosmetic condition is good, major systems are likely serviceable (roof ~5 years, two A/C units, functioning kitchen appliances visible) and the exterior/site shows no obvious defects. The primary inspection risks are code-compliance items not shown in photos: presence/location of carbon monoxide alarms, GFCI protection near wet areas, deadbolt on entry, and confirmation of an accessible, safe electrical panel and hot water heater. These are typically simple to remedy but should be confirmed before listing as Section 8-ready.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$326
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$250,000
Beds
4
Baths
2
Living Area
1,375 sqft
Lot Size
—
Year Built
1976
Days on Market
15
Capital Outlay
$60,000
Debt Service
$1,331
Property Tax / Mo
$113
Insurance / Mo
$107
Property Description
Ready to move in! Four bedrooms and two full bathrooms. Indoors freshly painted. Roof 5 years old. Two A/C units. Sellers willing to assist with part of the Closing Costs with a FULL Offer. Shed stays in the property but is not included in the sale price. Act of Sale to take place at Title Management Group. Measurements approximate, buyer to verify during Inspections Period. Please submit all offers with proof of funds.
Utility Allowances
Heating - Natural Gas
$79
Selected based on the property's specified 'Central' heating and 'Natural' gas supply.
Cooking - Natural Gas
$14
Selected as the property includes a 'Range/Oven' and is supplied with 'Natural' gas.
Water Heating - Natural Gas
$27
Natural gas was chosen as the fuel type because it is available at the property and is a common, efficient choice for water heaters.
Other Electric
$77
This is a standard allowance for general electricity use (lights, outlets) not covered by other specific utility categories.
Water
$50
Selected as the property details specify the water source is 'Public'.
Sewer
$54
Selected as the property details specify the sewer service is 'City'.
Trash Collection
$25
Inferred as a standard municipal service for a single-family detached home.
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$1,286
DP3 Annual Estimate$1,286
DP1 Monthly Equivalent$107
DP3 Monthly Equivalent$107
Replacement Value$109,800
Basis1,375 sqft / 1976
Nearby Houses
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3800 E Loyola Dr
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Latest sale: —
Latest rent: —
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3801 Ole Miss Dr
off_market · 0.07 mi
Price: $170,000
3 bd / 3 ba · 1,900 sqft
Latest sale: —
Latest rent: —
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3729 E Louisiana State Dr
sold · 0.08 mi
Price: $248,000
4 bd / 2 ba · 1,973 sqft
Latest sale: — on May 26, 2021
Latest rent: —
Photo unavailable
3808 Ole Miss Dr
sold · 0.08 mi
Price: $222,000
3 bd / 2 ba · 1,365 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3812 Ole Miss Dr
for_sale · 0.08 mi
Price: $265,000
3 bd / 2 ba · 1,118 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3825 E Louisiana State Dr
off_market · 0.10 mi
Price: $1,800
3 bd / 2 ba · 1,450 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 statement that roof is 5 years old is accurate.
- Two A/C units referenced in the listing are present and operational (vents visible inside).
- Water heater and electrical panel exist and are functional but were not photographed; no obvious leaks or water damage observed.
- Bedrooms have egress windows that meet size requirements (windows visible in rooms but not measured).
- Smoke detector(s) are present in required locations; only one detector was visible in photos.
- No active mold, severe pest infestation, or hidden structural issues exist beyond what is visible in photos.
- Gas connections for the range are safe and properly installed; no evidence of unsafe gas venting in photographs.
- Kitchen and bathroom outlets may require GFCI protection; absence of visible GFCI outlets in photos is assumed until verified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2020 | $1,311 | $147,300 | $14,730 |
| 2019 | $1,338 | $147,300 | $14,730 |
| 2018 | $1,219 | $147,300 | $14,730 |
| 2017 | $833 | $100,600 | $10,060 |
| 2016 | $833 | $100,600 | $10,060 |
| 2015 | $846 | $100,600 | $10,060 |
| 2014 | $843 | $100,600 | $10,060 |
| 2013 | $843 | $100,600 | $10,060 |
| 2012 | $215 | $100,600 | $10,060 |
| 2011 | $213 | $100,000 | $10,000 |
| 2010 | $645 | $100,000 | $10,000 |
| 2009 | $826 | $100,000 | $10,000 |
| 2008 | $159 | — | $10,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-25 | Listed | $250,000 |
| 2017-09-01 | Listing removed | $155,000 |
| 2017-08-08 | Listed | $155,000 |
Photo Gallery
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"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "A smoke detector is visible in a living area (good). Bedrooms show windows that likely provide egress. No obvious exposed live wiring, trip hazards, or active leaks visible. However: a gas range is present but no carbon monoxide alarm is visible in photos (CO alarm typically required with fuel-burning appliances) — this is a likely NSPIRE fail if absent. Photos do not show GFCI outlets in the kitchen or bathroom (outlet at bathroom vanity visible but appears non-GFCI) — potential fail. Door security hardware (deadbolt) not clearly visible in exterior photo. No visible mold, major water stains, or missing guardrails. These uncertain but important items reduce the safety score."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Listing states roof is ~5 years old; exterior photos and roofline appear in good condition. Two A/C units are reported and ceiling vents are visible in interior photos. Gas stove present indicates gas supply. Water heater, electrical panel and furnace/heat source are not shown in photos; plumbing fixtures and drains in bathrooms/kitchen appear intact and functional. Because critical system components (electrical panel location, water heater, heating source, CO detection) are not verifiable from photos, some risk remains despite generally good visible condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Front elevation shows a well-maintained yard, straight sidewalks, intact siding and no visible foundation displacement. Driveway/curb appear serviceable. No standing water, significant vegetation overgrowth, or obvious pest infestation visible. Shed present on listing (stated to stay but not included in price) — yard and site present low risk for inspection issues."
}
],
"red_flags": [
"No visible carbon monoxide (CO) alarm in photos while a gas stove is present — likely inspection fail if absent.",
"No clearly identifiable GFCI-protected outlets visible in kitchen or bathroom photos — potential NSPIRE/GFCI failure.",
"Electrical panel, water heater and heating source are not shown in photos; unverified critical systems increase inspection risk."
],
"confidence": 0.7,
"assumptions": [
"Listing is accurate: roof is approximately 5 years old and two AC units are present and operational.",
"Photos represent the current condition of the home and there are no hidden active leaks or unseen water damage elsewhere.",
"A functioning water heater and electrical service exist on site but were not photographed.",
"Bedrooms have standard-size windows that meet egress requirements (windows visible in multiple rooms).",
"Appliances not pictured (washer/dryer) are not required for compliance; stove and dishwasher pictured are representative and operable.",
"Shed condition and location do not affect primary dwelling inspection (seller notes shed included but not in sale price)."
],
"overall_score": 79.0,
"rubric_version": "2026-03-hcv-nspire-v1"
},
{
"summary": "Based on photos and the listing, the house appears mostly turnkey for Section 8/NSPIRE with good cosmetic condition, a relatively new roof (listing), central A/C (two units listed), and appliances present. Primary inspection risks are documentation/operation of major systems not pictured (electrical panel, water heater), and code items that are not visible (GFCI protection, carbon monoxide alarm, and exterior door deadbolt). These are typically quick corrections. Expected: likely to pass an initial HCV/NSPIRE inspection with minor pre-inspection fixes (install/verify CO alarm, confirm/label GFCI or add GFCI protection, confirm deadbolt, verify hot water and electrical panel).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 85.0,
"rationale": "Interior photos show fresh paint, intact laminate flooring throughout, functioning ceiling fans, updated bathroom fixtures, and kitchen cabinetry in good cosmetic condition. Kitchen appliances (range and dishwasher) are present in photos. No visible stains, large cracks, or collapsed finishes. Missing or loose minor items (possible outlet/GFCI covers or small trim touch-ups) appear to be minor, easy-to-fix items. Overall turnkey cosmetically with only minor maintenance and aesthetic touch-ups anticipated."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "Positive: a smoke detector is visible on a ceiling; bedrooms have windows for egress in photos; no visible active water intrusion, mold, or collapsed ceilings; interior doors and floors appear safe. Uncertainties/concerns: no carbon monoxide detector visible (required where fuel-burning appliances or attached garages exist), GFCI protection for kitchen/bath counters is not clearly visible in photos, exterior door deadbolt presence is not confirmed, and the electrical panel is not shown. These items are commonly addressed quickly but could cause an initial NSPIRE fail if missing. No obvious life-threatening hazards observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 80.0,
"rationale": "Listing states roof is ~5 years old and exterior photos show an intact shingle roof. Two A/C units are noted and supply vents/returns are visible inside, indicating central HVAC. Kitchen plumbing fixtures and appliances are present; bathroom plumbing fixtures appear functional. Water heater and electrical panel are not shown; their condition must be verified. No visible evidence of leaking plumbing, severe corrosion, or failed HVAC, but absence of photographed mechanical equipment introduces moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Exterior photos show maintained yard, level walkways, intact siding, and an intact roofline with no visible sagging. Front entry steps are small but serviceable; driveway and sidewalks appear even with no trip hazards visible. A shed is present on site per listing (stays but not included in price). No evidence of standing water, major grading issues, foundation cracks, or exterior structural distress in the provided images."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Hot water heater is present and operational though not shown in photos.",
"Both A/C units are functional as listed and interior vents indicate central air.",
"Kitchen range and dishwasher shown are operational; no major appliance repairs required.",
"No hidden roof leaks despite roof not being inspected in person (listing states ~5 years old).",
"Electrical panel exists, is accessible and free from obvious hazards though not photographed.",
"Bedrooms shown meet egress size/operation requirements (windows operational).",
"No active pest infestation or concealed severe mold/fungal growth beyond what is visible in photos."
],
"overall_score": 81.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3809 E Louisiana State Dr, Kenner, LA, 70065",
"aggregate": {
"summary": "Overall this single-family home appears largely turnkey for Section 8 / HCV occupancy. Cosmetic condition is good, major systems are likely serviceable (roof ~5 years, two A/C units, functioning kitchen appliances visible) and the exterior/site shows no obvious defects. The primary inspection risks are code-compliance items not shown in photos: presence/location of carbon monoxide alarms, GFCI protection near wet areas, deadbolt on entry, and confirmation of an accessible, safe electrical panel and hot water heater. These are typically simple to remedy but should be confirmed before listing as Section 8-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.7,
"rationale": "Interior appears freshly painted and in good cosmetic condition; laminate flooring installed throughout looks new and intact; cabinets, counters and bathroom fixtures appear in good shape. Kitchen shows a gas range and dishwasher present (reduces penalty for missing appliances). No visible significant cosmetic deferred maintenance. Minor typical touch-ups (trim/caulking, possible switchplate/trim checks) may be required but nothing structural is visible."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 85.0,
"rationale": "Front elevation, roofline and siding appear in good condition from photos; lawn and walkways are maintained and safe; driveway/sidewalk show normal wear only. No visible foundation settlement, major cracks, standing water, or infestation evidence. A detached shed is present (stays but not included), and yard appears drainable. Exterior appears low-risk for inspection."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 73.3,
"rationale": "Visible positive indicators: a ceiling-mounted smoke detector is present in a living area, doors and windows appear serviceable, no exposed wiring or obvious trip hazards pictured, ceiling and floors appear sound. Unknown / not shown: carbon monoxide detector (required where fuel-burning appliances or attached garages exist; a gas stove is visible), GFCI protection for kitchen/bath outlets not clearly evident, electrical panel and arc-fault/GFCI compliance not shown, deadbolt on entry door not visible, bedroom egress compliance not verified. Because these are common, addressable issues but could cause initial NSPIRE findings if absent, score reduced to reflect inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 78.3,
"rationale": "Listing states roof is 5 years old and two A/C units are present; interior photos show supply vents and ceiling fans, and plumbing fixtures appear intact. Kitchen shows gas range (implies gas service) and dishwasher; closet area shows utility piping suggesting mechanicals are accessible. Water heater and electrical panel were not photographed, so their condition is unverified. No signs of active leaks or water damage visible. Reasonable expectation systems are functional but missing visual confirmation of key components reduces score modestly."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Listing statement that roof is 5 years old is accurate.",
"Two A/C units referenced in the listing are present and operational (vents visible inside).",
"Water heater and electrical panel exist and are functional but were not photographed; no obvious leaks or water damage observed.",
"Bedrooms have egress windows that meet size requirements (windows visible in rooms but not measured).",
"Smoke detector(s) are present in required locations; only one detector was visible in photos.",
"No active mold, severe pest infestation, or hidden structural issues exist beyond what is visible in photos.",
"Gas connections for the range are safe and properly installed; no evidence of unsafe gas venting in photographs.",
"Kitchen and bathroom outlets may require GFCI protection; absence of visible GFCI outlets in photos is assumed until verified."
],
"score_method": "mean_of_criteria",
"overall_score": 81.0,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7696387878"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.