1521 Fulmer Cir, Birmingham, AL, 35214
Birmingham, AL
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 71.50%
Confidence: 94.00%
Overall the property appears to be a solid candidate for Housing Choice Voucher tenancy with mostly cosmetic and minor maintenance items needed. Visible systems (roof, HVAC condenser, electrical service) appear intact and the interior is cleanly presented. Likely NSPIRE inspection risks are limited to missing/uncertain items that are easy fixes: smoke/CO detectors, GFCI outlets, confirmation of working stove/fridge, and a close inspection of deck stairs/handrails. With those checks and small repairs it should be rent-ready within 30 days.
Property Fundamentals
Property Description
This home in Forestdale has 3 bedrooms/2 bathrooms and includes a large kitchen and dining room, a fenced-in backyard, a great back deck, and abasement garage. This is a great home for entertaining!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos represent the full unit interior/exterior condition; no hidden fire/water damage out of frame.
- Central HVAC is present and the exterior condenser shown is functional (operation not verified).
- Water heater and electrical panel are present and serviceable though not shown in photos.
- Bedrooms have code‑compliant egress windows based on visible window sizes but exact dimensions not verified.
- Smoke and carbon monoxide detectors were not visible in photos and are assumed absent or unconfirmed; they will need verification.
- Kitchen currently lacks a visible range/oven (space shown); landlord may supply or install prior to move-in.
- Deck and exterior stairs are structurally intact but require a close physical inspection for secure fasteners/rot.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,171 | $116,900 | $23,380 |
| 2023 | $1,171 | $116,900 | $23,380 |
| 2022 | $861 | $86,000 | $17,200 |
| 2021 | $658 | $65,700 | $13,140 |
| 2020 | $658 | $65,700 | $13,140 |
| 2019 | $658 | $65,700 | $13,140 |
| 2018 | $660 | $65,900 | $13,180 |
| 2017 | $792 | $79,100 | $15,820 |
| 2016 | $792 | $79,100 | $15,820 |
| 2012 | $796 | $83,600 | $16,720 |
| 2008 | $868 | $85,200 | $17,040 |
| 2007 | $857 | $84,100 | $16,820 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2019-08-14 | Sold | $99,500 |
| 2018-10-18 | Sold | $38,000 |
| 2017-03-10 | Sold | $3,970 |
| 2013-11-15 | Sold | $4,553 |
| 2000-06-21 | Sold | $65,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-11-30 | Listed for rent | $1,185 | — |
| 2022-02-15 | Listed for rent | $1,060 | — |
| 2019-08-03 | Listed for rent | $960 | — |
Photo Gallery
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{
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{
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{
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{
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"bedroom_count": 3,
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"loan_term_years": 30,
"annual_cash_flow": 10209.47,
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],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heating. Fuel type is assumed to be electric, consistent with the electric water heater. Alabama Power is the major service provider for Birmingham.",
"utility": "heating",
"allowance": 93
},
{
"note": "Property has central air conditioning, which is electric. Alabama Power is the major service provider for Birmingham.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property details explicitly state an electric water heater. Alabama Power is the major electric provider for Birmingham.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "Cooking fuel is not specified but assumed to be electric based on the electric water heater and photos showing an electric stove. Alabama Power is the selected provider.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Allowance for general electric usage (lights, small appliances). Alabama Power is the major electric provider for Birmingham.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "The property does not include a refrigerator. This allowance is for a tenant-owned appliance.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A microwave is indicated as 'attached' in property photos, therefore it is landlord-provided. The allowance is $0.",
"utility": "range_microwave",
"allowance": 0
},
{
"note": "Property details state 'Public Water'. The property is located in Birmingham, so the Birmingham water utility schedule is used.",
"utility": "water",
"allowance": 78
},
{
"note": "Property details state it uses a septic system, not public sewer. The allowance is $0.",
"utility": "sewer",
"allowance": 0
},
{
"note": "Trash collection provider is not specified. The most expensive option from the schedule was chosen per the rules for unclear providers.",
"utility": "trash_collection",
"allowance": 40
}
],
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"down_payment_amount": 25980.0,
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"property_tax_monthly": 100.51,
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"utility_allowance_total": 386.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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],
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},
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"property_management_monthly": 113.2,
"monthly_cash_flow_after_debt": 159.41,
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"runs": [
{
"summary": "Overall the property appears to be a solid candidate for Housing Choice Voucher tenancy with mostly cosmetic and minor maintenance items needed. Visible systems (roof, HVAC condenser, electrical service) appear intact and the interior is cleanly presented. Likely NSPIRE inspection risks are limited to missing/uncertain items that are easy fixes: smoke/CO detectors, GFCI outlets, confirmation of working stove/fridge, and a close inspection of deck stairs/handrails. With those checks and small repairs it should be rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior and interior photos show a generally well-kept mid-century home with intact siding, a metal roof in good visible condition, and recently updated-looking interior finishes (flooring, paint). Kitchen appears serviceable but shows a missing range/oven space (dishwasher present). Deck and exterior stairs show weathering and need paint/fastener check; some minor concrete step/landing wear. No major cosmetic deferred maintenance visible. Missing appliances and deck maintenance reduce the score moderately but are not structural failures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No immediate life‑threatening hazards visible: no collapsed ceilings, no standing water, no visible exposed wiring, foundation appears intact and garage/house service meter present. However smoke/CO detectors are not visible in photos (unknown), GFCI outlets not shown, and deadbolt on entry door is not visible. Rear deck stairs have a guardrail but require closer inspection for secure fastenings. Bedroom egress is assumed adequate from window size but not confirmed. These unknowns represent moderate NSPIRE inspection risk that can be corrected quickly if missing."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "An exterior HVAC condenser is visible at the rear (indicates central HVAC present). Metal roof looks serviceable from photos. Electrical service/meter is present at the foundation wall. Water heater and electrical panel locations not shown; condition unknown. No visible active leaks or significant roof/structural damage. Given visible systems and absence of major signs of failure, assume systems are functional but recommend verification (HVAC operation, hot water, electrical panel, water heater)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Yard is maintained, chain-link fenced backyard present, driveway and approach look serviceable. The lot slopes to the rear; a large tree sits close to the structure which is a potential long-term root/overhang concern but not an immediate failure. Basement/garage access appears intact. Some vegetation near foundation should be cleared. Deck support posts look functional but need inspection/maintenance."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Photos represent the full unit interior/exterior condition; no hidden fire/water damage out of frame.",
"Central HVAC is present and the exterior condenser shown is functional (operation not verified).",
"Water heater and electrical panel are present and serviceable though not shown in photos.",
"Bedrooms have code‑compliant egress windows based on visible window sizes but exact dimensions not verified.",
"Smoke and carbon monoxide detectors were not visible in photos and are assumed absent or unconfirmed; they will need verification.",
"Kitchen currently lacks a visible range/oven (space shown); landlord may supply or install prior to move-in.",
"Deck and exterior stairs are structurally intact but require a close physical inspection for secure fasteners/rot."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed single-family appears to be in overall good, mostly cosmetic condition with intact roof, siding, HVAC, and a fenced yard. Primary issues for an initial Section 8/NSPIRE inspection are likely to be missing/uncertain safety items: no visible smoke/CO detectors, potential handrail/guard issues on the rear deck/stairs, and unknown GFCI protection in the kitchen. The kitchen also lacks a range and refrigerator in the photos (easy capital fixes). Systems (roof, HVAC, foundation) show no obvious catastrophic defects in the photos. With installation/verification of detectors, a brief deck/handrail repair or reinforcement if required, verification of GFCI/hot water, and provision of tenant appliances or disclosure of appliance responsibilities, the house is likely to pass an initial HCV inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Exterior and interior appear generally well maintained in listing photos: siding, metal roof, and interior flooring/paint are in good cosmetic condition. Minor deferred maintenance visible: rear deck and stairs show weathering and will likely need sanding/fastener replacement and sealing; some exterior concrete steps show wear. Kitchen is missing major tenant appliances (range and refrigerator) — this reduces readiness moderately but is an easy-to-fix, capital item. No visible severe drywall, flooring, or major cosmetic damage in photographed rooms."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in interior photos (required by NSPIRE/most local codes) — absence on photos is a likely inspection failure until installed. Rear deck stairs have guardrail/handrail that appears weathered; the lower support condition and handrail continuity are not clearly compliant and may fail an inspector’s handrail/guard requirement. Kitchen GFCI outlets are not visible and bedroom egress windows cannot be confirmed from photos. Exterior electrical meter and conduit appear intact with no obvious exposed live wiring. Plumbing and hot water visibility not shown. Overall some safety items likely need quick fixes (detectors, handrail/GFCI checks) but no obvious life-threatening hazards in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 75.0,
"rationale": "Exterior shows a visible outdoor AC condenser unit indicating central HVAC is present; metal roof appears intact with no visible sagging or active roof damage. Electrical service and meter are in place and the electrical panel location appears typical (not fully visible for condition). Water heater and plumbing fixtures are not shown; no signs of active leaks or major water intrusion on exterior photos. Foundation concrete block shows normal staining but no clear major cracks or movement. Based on visual evidence, major systems appear functional or present, but unverified items (water heater, panel interior, plumbing) reduce the score slightly."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Property has a fenced backyard, paved driveway, and generally maintained lawn. Significant mature trees are very close to the house which creates potential root/drainage/fall risk and may require regular maintenance. Rear yard slopes toward the basement/garage area — surface erosion and drainage should be evaluated to ensure water does not collect at foundation. Deck framing is elevated and should be inspected for rot/anchorage; some areas under deck show bare soil/erosion. Chain link fence and concrete driveway appear serviceable."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in interior photos — likely inspection fail until installed.",
"Rear deck stairs/guardrail appear weathered and may not meet handrail/guardrail code; requires close inspection and probable repair.",
"Large mature tree adjacent to the structure — increased risk of root damage to foundation and falling limbs affecting roof; recommend arborist assessment.",
"Kitchen lacks visible range and refrigerator (capital items missing) — not an immediate safety failure but reduces rent-readiness and may trigger owner-provided appliance requirements.",
"Unverified GFCI protection in kitchen and bathrooms (not visible) — could result in a safety fail if absent."
],
"confidence": 0.7,
"assumptions": [
"Interior areas not pictured (bathroom(s), bedrooms other than those partially shown, electrical panel, water heater) are functional and have no active leaks or major visible defects.",
"Photos are current and accurately reflect the present condition (no subsequent storm or vandalism damage).",
"Kitchen currently lacks a range and refrigerator (appliances not visible in photos); dishwasher is present.",
"Bedrooms have legal egress windows though not all windows are shown close-up; egress compliance is unverified.",
"No visible mold, active roof leaks, or major foundation movement exist beyond photo evidence.",
"Listing data discrepancy: snapshot lists 1 bathroom while the listing description states 2 bathrooms — assumed this is a listing inconsistency and not an observed condition."
],
"overall_score": 73.0,
"rubric_version": "ns_prep_v1"
},
{
"summary": "This property appears largely turnkey for Section 8 tenancy with mostly cosmetic and moderate maintenance items to address. The exterior, metal roof and interior finishes look serviceable and the presence of an HVAC condenser and recent rental history are positive. Primary inspection risks: missing/undocumented smoke/CO detectors, rear deck/stair guardrail condition, and some foundation surface spalling and tree overhang. With targeted fixes (install/verify detectors, repair/secure deck handrail/stairs, verify HVAC/electrical/plumbing operation, provide required GFCI outlets where missing and supply missing major kitchen appliances or disclose), the home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior and interior photos show a generally maintained single‑story home with intact vinyl siding, a metal roof that appears serviceable, and recently updated-looking vinyl plank flooring and paint inside. Kitchen has cabinets, counter and a dishwasher but no visible refrigerator or range in photos (appliances reduce score moderately). The rear deck and stairs show weathering and will likely need minor carpentry/paint; concrete driveway and small foundation spalling present but cosmetic. Overall visible deferred maintenance is limited to cosmetic items and deck repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms are visible in interior photos (required by NSPIRE/local codes). Deck stairs have a railing but guard height and continuous handrail compliance are uncertain and show wear (possible unsafe stairs/handrail issue). No exposed wiring or active water intrusion evident from photos. Bedroom egress appears plausible from window sizes shown but not verifiable for all bedrooms. Entry doors have locks but deadbolt presence not visible. Kitchen GFCI outlets not visible. Given these unknowns and a few visible potential hazards (deck/stair condition, missing visible detectors), moderate safety risk exists."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Exterior HVAC condenser unit is present (suggests heating/cooling installed). Metal roof appears intact in photos with no visible major sag or leaks. Electrical meter and service conduit visible on exterior; panel not shown. Water heater and plumbing fixtures not visible but interior fixtures shown (kitchen sink) appear in usable condition. Home built 1960 so systems may be older; no visual evidence of catastrophic system failure, but full verification (hot water, electrical panel, HVAC operation) required."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Chain-link fenced yard and sloping lot appear serviceable and provide secure yard. Large mature tree sits very close to the house and overhangs the roof — a risk for limbs/damage and increased maintenance. Basement/garage access present; some block foundation spalling and staining visible at foundation which looks cosmetic but should be evaluated. Rear yard has slope and dirt under deck; deck supports appear intact but weathered. Overall yard and envelope are functional with some maintenance needs."
},
{
"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": [
"No visible smoke detectors / carbon monoxide alarms in interior photos (safety-critical).",
"Potentially unsafe deck stairs/guardrail — visible wear and may not meet handrail/guard requirements.",
"Large mature tree overhanging roof — elevated risk of limb/roof damage and debris.",
"Visible foundation block spalling/cracking at basement/garage area (recommend further evaluation)."
],
"confidence": 0.7,
"assumptions": [
"No smoke or CO alarms were visible in photos; assume none are guaranteed to be present and functioning unless owner confirms.",
"Kitchen photos show a dishwasher and space for appliances but no visible refrigerator or range; assume appliances may not be included or need verification.",
"HVAC system assumed present and intact because external condenser is visible; operational status not verified.",
"Electrical service is present (meter visible) but internal panel condition and GFCI protection not visible and must be verified.",
"Basement/garage foundation shows surface spalling/cracking but no clear signs of structural movement in photos; assume cosmetic foundation issues unless inspection finds movement.",
"Bedroom egress assumed adequate based on window sizes in photos but full egress verification requires interior bedroom window measurements.",
"Listing text has a bath count discrepancy (description says 2 baths, snapshot says 1); assumed 1 bath per snapshot unless clarified."
],
"overall_score": 75.0,
"rubric_version": "ns-pinspect-2026-1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1521 Fulmer Cir, Birmingham, AL, 35214",
"aggregate": {
"summary": "Overall the property appears to be a solid candidate for Housing Choice Voucher tenancy with mostly cosmetic and minor maintenance items needed. Visible systems (roof, HVAC condenser, electrical service) appear intact and the interior is cleanly presented. Likely NSPIRE inspection risks are limited to missing/uncertain items that are easy fixes: smoke/CO detectors, GFCI outlets, confirmation of working stove/fridge, and a close inspection of deck stairs/handrails. With those checks and small repairs it should be rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Exterior and interior photos show a generally well-kept mid-century home with intact siding, a metal roof in good visible condition, and recently updated-looking interior finishes (flooring, paint). Kitchen appears serviceable but shows a missing range/oven space (dishwasher present). Deck and exterior stairs show weathering and need paint/fastener check; some minor concrete step/landing wear. No major cosmetic deferred maintenance visible. Missing appliances and deck maintenance reduce the score moderately but are not structural failures."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 71.7,
"rationale": "Yard is maintained, chain-link fenced backyard present, driveway and approach look serviceable. The lot slopes to the rear; a large tree sits close to the structure which is a potential long-term root/overhang concern but not an immediate failure. Basement/garage access appears intact. Some vegetation near foundation should be cleared. Deck support posts look functional but need inspection/maintenance."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No immediate life‑threatening hazards visible: no collapsed ceilings, no standing water, no visible exposed wiring, foundation appears intact and garage/house service meter present. However smoke/CO detectors are not visible in photos (unknown), GFCI outlets not shown, and deadbolt on entry door is not visible. Rear deck stairs have a guardrail but require closer inspection for secure fastenings. Bedroom egress is assumed adequate from window size but not confirmed. These unknowns represent moderate NSPIRE inspection risk that can be corrected quickly if missing."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 71.7,
"rationale": "An exterior HVAC condenser is visible at the rear (indicates central HVAC present). Metal roof looks serviceable from photos. Electrical service/meter is present at the foundation wall. Water heater and electrical panel locations not shown; condition unknown. No visible active leaks or significant roof/structural damage. Given visible systems and absence of major signs of failure, assume systems are functional but recommend verification (HVAC operation, hot water, electrical panel, water heater)."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Photos represent the full unit interior/exterior condition; no hidden fire/water damage out of frame.",
"Central HVAC is present and the exterior condenser shown is functional (operation not verified).",
"Water heater and electrical panel are present and serviceable though not shown in photos.",
"Bedrooms have code‑compliant egress windows based on visible window sizes but exact dimensions not verified.",
"Smoke and carbon monoxide detectors were not visible in photos and are assumed absent or unconfirmed; they will need verification.",
"Kitchen currently lacks a visible range/oven (space shown); landlord may supply or install prior to move-in.",
"Deck and exterior stairs are structurally intact but require a close physical inspection for secure fasteners/rot."
],
"score_method": "mean_of_criteria",
"overall_score": 71.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7722516929"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.