Property ID: 7737948635
3513 Highway 1, Grand Isle, LA, 70358
Grand Isle, LA
Money Down: $71,760
CoC Return: -1.61%
Monthly Cash Flow: $-96
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,800
Closing Costs
$11,960
Total Down
$71,760
Investment Snapshot
Purchase Price
$299,000
Money Down
$71,760
Cash-on-Cash Return
-1.61%
Rent
$1,942
Monthly Cash Flow
$-96
Annual Cash Flow
$-1,153
Debt Service / Mo
$1,591
Property Tax / Mo
$124
Insurance / Mo
$129
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,942
Payment Standard
$2,328
Rent
$1,942
Insurance
$129
Property Tax
$124
Management
$194
Utilities Allowance
$386
NOI (Monthly)
$1,495
Debt Service
$1,591
Cash Flow After Debt
$-96
Quality Score: 77.00%
Confidence: 89.00%
This elevated coastal single‑family appears well maintained and would likely pass an initial HCV/NSPIRE inspection after addressing a few minor, quick items. Primary likely corrective items: verify/install smoke alarms in all required locations, install/confirm GFCI protection in kitchen and bathrooms, confirm carbon monoxide alarm per local code, confirm exterior door deadbolt, and verify electrical panel labeling and hot water/HVAC operation. With those verifications and any small fixes, property is rent‑ready in under 30 days.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$386
Guaranteed Section 8 Rent (PS - Utilities)
$1,942
Property Management
$194
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,000
Beds
4
Baths
2.5
Living Area
1,650 sqft
Lot Size
87 sqft
Year Built
1971
Days on Market
241
Capital Outlay
$71,760
Debt Service
$1,591
Property Tax / Mo
$124
Insurance / Mo
$129
Property Description
Commercial 4 bedroom house for with all appliances and furnishings included. All items such as linens and dishes are included. All new mattresses are in place. Golf cart is included. Right across from the beach!
Utility Allowances
cooking
$19
Selected 'electric' cooking as it is the most common and consistent choice for a property with electric heating.
heating
$158
Selected 'electric' as the property data explicitly lists 'Heating Features: Central, Electric'.
other_electric
$77
This is a standard fixed allowance for a 4-bedroom single-family home, covering general electricity for lights, outlets, and air conditioning.
water_heating
$57
Selected 'electric' for water heating to maintain consistency with the property's other specified electric systems (heating).
water
$50
A public water supply is assumed, as is typical for residential homes in this area, even those with private septic systems.
sewer
$0
The property data explicitly states it uses a 'Septic Tank,' so there is no public sewer utility cost.
trash_collection
$25
This is a standard, fixed allowance for trash collection services for residential properties.
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$1,543
DP3 Annual Estimate$1,543
DP1 Monthly Equivalent$129
DP3 Monthly Equivalent$129
Replacement Value$300,000
Basis1,650 sqft / 1971
Nearby Houses
Photo unavailable
3517 Highway 1
for_sale · 0.00 mi
Price: $315,000
2 bd / 2 ba · 1,363 sqft
Latest sale: — on Jul 22, 2022
Latest rent: —
Photo unavailable
3493 Highway 1
off_market · 0.04 mi
Price: $325,000
4 bd / 3 ba · 1,368 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3544 Highway 1
off_market · 0.06 mi
Price: $299,900
3 bd / 2 ba · 1,150 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3483 Highway 1
for_sale · 0.08 mi
Price: $275,000
4 bd / 3 ba · 1,430 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3483 LA Highway 1
off_market · 0.08 mi
Price: $299,000
4 bd / 2 ba · 1,800 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3478 Highway 1
for_sale · 0.09 mi
Price: $475,000
4 bd / 2 ba · 1,450 sqft
Latest sale: —
Latest rent: —
Photo unavailable
145 Elm Ln
off_market · 0.10 mi
Price: $490,000
3 bd / 2 ba · 1,885 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 'all appliances and furnishings included' is accurate; a refrigerator (not visible in provided kitchen photo) is present and operational.
- HVAC is central forced air with outdoor condenser visible and is operational (no photo of thermostat or indoor unit).
- Hot water exists and the water heater is functional though not pictured.
- Electrical panel, service and wiring are intact and free of major hazards though panel not shown.
- Bedroom windows provide required egress sizes (photos show windows that appear adequate but measurements were not provided).
- No active roof leaks or hidden structural damage below the elevated floor framing despite not being visible in photos.
- No severe mold, pest infestation, or hidden water intrusion beyond what’s visible in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,444 | $102,600 | $10,260 |
| 2024 | $1,338 | $102,600 | $10,260 |
| 2023 | $1,222 | $87,000 | $8,700 |
| 2022 | $1,222 | $87,000 | $8,700 |
| 2021 | $579 | $41,600 | $4,160 |
| 2020 | $1,155 | $87,000 | $8,700 |
| 2019 | $1,172 | $87,100 | $8,710 |
| 2018 | $1,089 | $87,100 | $8,710 |
| 2017 | $1,089 | $87,100 | $8,710 |
| 2016 | $1,013 | $80,600 | $8,060 |
| 2015 | $979 | $80,600 | $8,060 |
| 2014 | $227 | $15,600 | $1,560 |
| 2013 | $227 | $15,600 | $1,560 |
| 2012 | $227 | $15,600 | $1,560 |
| 2011 | $229 | $15,600 | $1,560 |
| 2010 | $750 | $74,800 | $7,480 |
| 2009 | $983 | $83,100 | $8,310 |
| 2008 | $824 | — | $8,310 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-08-11 | Listed | $299,000 |
| 2025-08-01 | Listing removed | $0 |
| 2025-07-03 | Price Changed | $299,000 |
| 2025-05-23 | Price Changed | $338,000 |
| 2025-03-08 | Price Changed | $348,000 |
| 2024-11-04 | Price Changed | $349,000 |
| 2024-07-26 | Listed | $375,000 |
| 2005-07-28 | Sold | $0 |
Photo Gallery
Show raw JSON (debug)
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"list_date": "2024-07-26T19:57:24Z",
"list_price": 299000,
"listing_id": "2970096437",
"last_update_date": "2025-07-03T16:46:52Z",
"last_status_change_date": "2025-08-01T09:32:48Z"
},
"event_name": "Price Changed",
"price_sqft": 204.84848484848484,
"source_name": "BayouLA",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "2024014315",
"price_change_percentage": null
},
{
"date": "2025-03-08",
"price": 348000,
"listing": {
"status": "off_market",
"list_date": "2024-07-26T19:57:24Z",
"list_price": 299000,
"listing_id": "2970096437",
"last_update_date": "2025-07-03T16:46:52Z",
"last_status_change_date": "2025-08-01T09:32:48Z"
},
"event_name": "Price Changed",
"price_sqft": 210.9090909090909,
"source_name": "BayouLA",
"price_change": -1000,
"days_after_listed": null,
"source_listing_id": "2024014315",
"price_change_percentage": null
},
{
"date": "2024-11-04",
"price": 349000,
"listing": {
"status": "off_market",
"list_date": "2024-07-26T19:57:24Z",
"list_price": 299000,
"listing_id": "2970096437",
"last_update_date": "2025-07-03T16:46:52Z",
"last_status_change_date": "2025-08-01T09:32:48Z"
},
"event_name": "Price Changed",
"price_sqft": 211.5151515151515,
"source_name": "BayouLA",
"price_change": -26000,
"days_after_listed": null,
"source_listing_id": "2024014315",
"price_change_percentage": null
},
{
"date": "2024-07-26",
"price": 375000,
"listing": {
"status": "off_market",
"list_date": "2024-07-26T19:57:24Z",
"list_price": 299000,
"listing_id": "2970096437",
"last_update_date": "2025-07-03T16:46:52Z",
"last_status_change_date": "2025-08-01T09:32:48Z"
},
"event_name": "Listed",
"price_sqft": 227.27272727272728,
"source_name": "BayouLA",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2024014315",
"price_change_percentage": null
},
{
"date": "2005-07-28",
"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": "7737948635",
"generated_at": "2026-03-27T03:08:39.656305Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 77.0
},
"utility_allowance": {
"zip_code": "70358",
"home_photo": "https://ap.rdcpix.com/39a06f5a2f88c834516740ffe8b478b5l-m185744070s-w1280.jpg",
"rent_price": 1942.0,
"loan_amount": 239200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/3513-Highway-1_Grand-Isle_LA_70358_M77379-48635",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 299000.0,
"loan_term_years": 30,
"annual_cash_flow": 17943.28,
"mortgage_monthly": 1591.4,
"payment_standard": 2328.0,
"total_amount_out": 59800.0,
"additional_photos": [
"https://ap.rdcpix.com/39a06f5a2f88c834516740ffe8b478b5l-m2387766091s-w1280.jpg",
"https://ap.rdcpix.com/39a06f5a2f88c834516740ffe8b478b5l-m2427541792s-w1280.jpg",
"https://ap.rdcpix.com/39a06f5a2f88c834516740ffe8b478b5l-m1038846981s-w1280.jpg",
"https://ap.rdcpix.com/39a06f5a2f88c834516740ffe8b478b5l-m496345930s-w1280.jpg",
"https://ap.rdcpix.com/39a06f5a2f88c834516740ffe8b478b5l-m3287487090s-w1280.jpg",
"https://ap.rdcpix.com/39a06f5a2f88c834516740ffe8b478b5l-m1195746875s-w1280.jpg",
"https://ap.rdcpix.com/39a06f5a2f88c834516740ffe8b478b5l-m2490030877s-w1280.jpg",
"https://ap.rdcpix.com/39a06f5a2f88c834516740ffe8b478b5l-m4263049943s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 128.58,
"monthly_cash_flow": 1495.27,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'electric' cooking as it is the most common and consistent choice for a property with electric heating.",
"utility": "cooking",
"allowance": 19
},
{
"note": "Selected 'electric' as the property data explicitly lists 'Heating Features: Central, Electric'.",
"utility": "heating",
"allowance": 158
},
{
"note": "This is a standard fixed allowance for a 4-bedroom single-family home, covering general electricity for lights, outlets, and air conditioning.",
"utility": "other_electric",
"allowance": 77
},
{
"note": "Selected 'electric' for water heating to maintain consistency with the property's other specified electric systems (heating).",
"utility": "water_heating",
"allowance": 57
},
{
"note": "A public water supply is assumed, as is typical for residential homes in this area, even those with private septic systems.",
"utility": "water",
"allowance": 50
},
{
"note": "The property data explicitly states it uses a 'Septic Tank,' so there is no public sewer utility cost.",
"utility": "sewer",
"allowance": 0
},
{
"note": "This is a standard, fixed allowance for trash collection services for residential properties.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 59800.0,
"property_tax_annual": 1487.32,
"property_tax_monthly": 123.94,
"property_tax_increase": 0.03,
"utility_allowance_total": 386.0,
"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": -1153.56,
"property_management_monthly": 194.2,
"monthly_cash_flow_after_debt": -96.13,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "This elevated coastal single‑family appears well maintained and would likely pass an initial HCV/NSPIRE inspection after addressing a few minor, quick items. Primary likely corrective items: verify/install smoke alarms in all required locations, install/confirm GFCI protection in kitchen and bathrooms, confirm carbon monoxide alarm per local code, confirm exterior door deadbolt, and verify electrical panel labeling and hot water/HVAC operation. With those verifications and any small fixes, property is rent‑ready in under 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior photos show clean, recently replaced-looking flooring, updated kitchen cabinets and appliances (range, microwave, dishwasher visible), well-maintained paint and trim. Furnishings and mattresses included per listing. Exterior paint looks fresh. Minor items visible: staining and small cracking on driveway, worn paint on stair treads, small vegetation at slab edge. Missing appliances are not an issue here (listing states all appliances included). Overall cosmetic condition is good and only minor repairs/cleaning appear required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings intact, no visible active leaks, no exposed wiring, handrail present at exterior stairs, bathrooms and kitchens appear orderly. A smoke alarm is visible in one interior photo. Not visible/uncertain from photos: smoke alarms in every sleeping area/common area, carbon monoxide alarm (if required locally), GFCI outlets at kitchen and bathrooms, presence of deadbolt on exterior doors, and electrical panel labeling. Bedroom window egress appears likely adequate from photos but cannot be fully verified for all bedrooms. Because several required items cannot be visually confirmed, there is moderate risk of small NSPIRE-correctable failures."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 75.0,
"rationale": "Exterior photo shows an outdoor HVAC condenser unit indicating central HVAC likely present. Roof appears to be metal or new and in good visual condition; no sagging or visible roof damage. Plumbing fixtures, toilets and hot water fixtures appear functional in photos. Major systems (water heater, electrical panel, service amperage, and HVAC operational testing) are not visible in photos and thus assumed functional but unverified. Given good cosmetic condition and visible HVAC condenser, moderate score is appropriate pending operational verification."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Raised/coastal elevated foundation appears intact and typical for area. Siding and paint look well maintained. Stairs and guardrail are present. Concrete driveway shows stains and hairline cracks and minor vegetation at edges but no large settlement or major foundation exposure visible. Screened lower area looks serviceable. No visible infestation or major site hazards in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement that 'all appliances and furnishings included' is accurate; a refrigerator (not visible in provided kitchen photo) is present and operational.",
"HVAC is central forced air with outdoor condenser visible and is operational (no photo of thermostat or indoor unit).",
"Hot water exists and the water heater is functional though not pictured.",
"Electrical panel, service and wiring are intact and free of major hazards though panel not shown.",
"Bedroom windows provide required egress sizes (photos show windows that appear adequate but measurements were not provided).",
"No active roof leaks or hidden structural damage below the elevated floor framing despite not being visible in photos.",
"No severe mold, pest infestation, or hidden water intrusion beyond what’s visible in photos."
],
"overall_score": 79.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Overall the property appears to be in good, well-maintained condition and would likely pass an initial Housing Choice Voucher/NSPIRE inspection after a short pre-inspection checklist: confirm/install required smoke detectors (one shown but verify placement), confirm CO alarm if required, verify GFCI outlets at kitchen and baths, and confirm operation/age of HVAC, water heater and electrical panel. Exterior drainage at the driveway/lower level should be addressed. Expect minor to moderate prep work (1–30 days) rather than major repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show clean, updated finishes: new-looking vinyl plank flooring, intact cabinetry, functioning appliances visible (range, microwave, dishwasher) and clean bathrooms. Bedrooms and living areas are furnished and appear well maintained. Exterior paint and windows look recently refreshed. Observable deferred items are minor: concrete driveway has cracks and staining, screened lower level shows weather exposure (screening/trim could need maintenance). Missing items: fridge not visible in photos but listing states appliances included. Overall cosmetic condition is good; only minor FF&E/finish repairs likely required prior to move-in."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "Visible smoke detector in at least one interior photo (ceiling). Bedrooms have egress windows. Handrails and guardrails are present on exterior stairs/landing. No visible exposed wiring or open electrical boxes. Bathrooms and kitchens appear to have functioning fixtures. Uncertainties: CO detector presence not shown (may not be required if no gas appliances, but fuel-burning appliances not visible), GFCI kitchen/bath outlets not clearly identified, electrical panel and water heater not photographed. No active roof leaks, mold, or collapsed ceilings observed. Recommend confirm smoke detectors in each sleeping area and on each level, confirm GFCI protection at kitchen and bathrooms, and confirm CO alarm if required."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 72.0,
"rationale": "An exterior HVAC condenser is visible at the left of the building, indicating central HVAC (likely functional). Roof appears to be metal or in good visual condition with no visible sagging or missing sections. Kitchen appliances (electric range, microwave, dishwasher) appear in-place and intact. Plumbing fixtures (sinks, toilets, showers) appear operational and in good cosmetic condition. Missing/inaccessible: water heater, electrical panel, and furnace/boiler components not shown; these should be verified for age and operation. No visible signs of major system failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 74.0,
"rationale": "Raised coastal single-family with stilt/raised foundation looks structurally straight with intact siding and fresh paint. Stairs and railings appear solid; screened lower level enclosure is intact. Driveway concrete has surface cracks, areas of standing water/stains indicating drainage pooling that should be addressed. Yard and walkways are clear; no visible infestation or large site neglect. Proximity to beach implies heightened flood/ moisture exposure—inspect drainage and lower-level moisture mitigation before tenancy."
}
],
"red_flags": [
"CO detector presence not verified (required if fuel-burning appliances or local ordinance).",
"GFCI protection at kitchen and bathroom receptacles not visually confirmed.",
"Standing water / drainage pooling on driveway — potential slip/trip and water intrusion risk for lower-level enclosure given coastal location.",
"Lower-level screened enclosure is at risk of flood/wind damage due to beach-front location; verify flood mitigation and tie-downs."
],
"confidence": 0.75,
"assumptions": [
"Listing statement 'all appliances included' is accurate and a refrigerator is present even though not shown in photos.",
"HVAC condenser visible is connected and the heating/cooling system is operational.",
"No active roof leaks or major foundation movement exist beyond what is visible in photos.",
"Smoke detector(s) exist (one visible), but full placement (every sleeping room + each level) is not confirmed and may need additional units.",
"Water heater and electrical service panel are present and functional though not photographed.",
"Bedrooms shown provide adequate egress per local code based on window size/placement in photos."
],
"overall_score": 74.0,
"rubric_version": "nsPIRE-v1-2026-03"
},
{
"summary": "Overall this 4-bed coastal raised single-family property appears largely rent-ready with refreshed interior finishes, functioning kitchen and bathrooms, and exterior in good condition. Visible HVAC condenser and multiple working fixtures reduce major system risk. Remaining inspection risks are mostly documentation/verification items (GFCI presence, electrical panel condition, smoke/CO detector locations and batteries, deadbolt on entry) that should be remedied or documented prior to an NSPIRE/HCV initial inspection. No structural sagging, active leaks, or collapsed elements are visible in the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 85.0,
"rationale": "Interior photos show well-maintained, recently updated finishes (new-looking LVP flooring, painted walls, updated vanities). Kitchen has range, microwave and dishwasher visible; listing states all appliances and furnishings included. No obvious drywall, flooring or cabinet failures visible. Exterior paint and siding look recently refreshed. Minor concrete staining and hairline cracks in driveway noted but are cosmetic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 75.0,
"rationale": "Bedrooms show egress windows. At least one round ceiling detector-type device is visible in photos (likely a smoke alarm). No obvious exposed wiring, loose guardrails or collapsed ceilings seen. Entry stair has handrail. Kitchen and bathroom outlets and fixtures are standard but GFCI protection in kitchen/bath cannot be confirmed from photos; electrical panel not shown. Range appears electric (no visible gas piping), reducing CO risk. Because several required components (accessible panel, GFCIs, clear evidence of functioning detectors and deadbolt) are not clearly documented in photos, some compliance risk remains."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC/roof/plumbing/electrical)",
"score": 70.0,
"rationale": "Exterior photo shows an outdoor HVAC condenser unit indicating active heating/cooling likely present. Roof appears intact with metal profile and no visible sagging. Bathrooms and kitchen fixtures appear functional with no visible leaks; water heater not shown. Electrical service drop and meter/conduit appear properly routed from exterior view but the interior electrical panel and service labeling are not visible. Given lack of visible system failures but some unseen components, moderate score assigned."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and walkways",
"score": 80.0,
"rationale": "Elevated coastal-style house on piers (good for flood exposure). Siding and paint are in good condition; stairs and deck appear structurally sound with railings. Driveway is paved with an in-line drain present; only minor cracking and surface stains visible. Yard and entry approach are tidy. No visible evidence of infestation or major foundation movement."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement that 'all appliances and furnishings included' is accurate and the refrigerator (not shown in photos) is present and functional.",
"The round ceiling device visible in at least one interior photo is a functioning smoke detector and there are additional detectors in required locations; if not present they will need installation.",
"Range is electric (visible coil/electric elements) so a carbon monoxide alarm is not required by fuel-burning appliance rules; no gas appliances are present.",
"HVAC is operational (condenser visible) and provides cooling/likely heating appropriate for local code; no visible evidence of failed HVAC.",
"No active roof leaks or interior water intrusion exist beyond what is visible in photos (no stains or mold observed).",
"Electrical panel and service are intact and code-compliant though not photographed; GFCI protection in kitchen/baths is unknown and should be confirmed.",
"Bathrooms provide hot water and working drains though the water heater was not photographed.",
"No severe lead-based paint hazards or extensive mold were visible in photos; older home may have lead-containing layers under newer paint but none evident."
],
"overall_score": 78.0,
"rubric_version": "nsipre_v1.0_photo_assessment_2026-03"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3513 Highway 1, Grand Isle, LA, 70358",
"aggregate": {
"summary": "This elevated coastal single‑family appears well maintained and would likely pass an initial HCV/NSPIRE inspection after addressing a few minor, quick items. Primary likely corrective items: verify/install smoke alarms in all required locations, install/confirm GFCI protection in kitchen and bathrooms, confirm carbon monoxide alarm per local code, confirm exterior door deadbolt, and verify electrical panel labeling and hot water/HVAC operation. With those verifications and any small fixes, property is rent‑ready in under 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 82.7,
"rationale": "Interior photos show clean, recently replaced-looking flooring, updated kitchen cabinets and appliances (range, microwave, dishwasher visible), well-maintained paint and trim. Furnishings and mattresses included per listing. Exterior paint looks fresh. Minor items visible: staining and small cracking on driveway, worn paint on stair treads, small vegetation at slab edge. Missing appliances are not an issue here (listing states all appliances included). Overall cosmetic condition is good and only minor repairs/cleaning appear required."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 78.0,
"rationale": "Raised/coastal elevated foundation appears intact and typical for area. Siding and paint look well maintained. Stairs and guardrail are present. Concrete driveway shows stains and hairline cracks and minor vegetation at edges but no large settlement or major foundation exposure visible. Screened lower area looks serviceable. No visible infestation or major site hazards in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 73.3,
"rationale": "No obvious life‑threatening hazards visible: ceilings intact, no visible active leaks, no exposed wiring, handrail present at exterior stairs, bathrooms and kitchens appear orderly. A smoke alarm is visible in one interior photo. Not visible/uncertain from photos: smoke alarms in every sleeping area/common area, carbon monoxide alarm (if required locally), GFCI outlets at kitchen and bathrooms, presence of deadbolt on exterior doors, and electrical panel labeling. Bedroom window egress appears likely adequate from photos but cannot be fully verified for all bedrooms. Because several required items cannot be visually confirmed, there is moderate risk of small NSPIRE-correctable failures."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 72.3,
"rationale": "Exterior photo shows an outdoor HVAC condenser unit indicating central HVAC likely present. Roof appears to be metal or new and in good visual condition; no sagging or visible roof damage. Plumbing fixtures, toilets and hot water fixtures appear functional in photos. Major systems (water heater, electrical panel, service amperage, and HVAC operational testing) are not visible in photos and thus assumed functional but unverified. Given good cosmetic condition and visible HVAC condenser, moderate score is appropriate pending operational verification."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Listing statement that 'all appliances and furnishings included' is accurate; a refrigerator (not visible in provided kitchen photo) is present and operational.",
"HVAC is central forced air with outdoor condenser visible and is operational (no photo of thermostat or indoor unit).",
"Hot water exists and the water heater is functional though not pictured.",
"Electrical panel, service and wiring are intact and free of major hazards though panel not shown.",
"Bedroom windows provide required egress sizes (photos show windows that appear adequate but measurements were not provided).",
"No active roof leaks or hidden structural damage below the elevated floor framing despite not being visible in photos.",
"No severe mold, pest infestation, or hidden water intrusion beyond what’s visible in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 77.0,
"rubric_version": "nsPIRE-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7737948635"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.