Property ID: 7741336230
1504 6th Pl NW, Center Point, AL, 35215
Center Point, AL
Money Down: $26,376
CoC Return: 21.64%
Monthly Cash Flow: $476
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,980
Closing Costs
$4,396
Total Down
$26,376
Investment Snapshot
Purchase Price
$109,900
Money Down
$26,376
Cash-on-Cash Return
21.64%
Rent
$1,374
Monthly Cash Flow
$476
Annual Cash Flow
$5,708
Debt Service / Mo
$585
Property Tax / Mo
$112
Insurance / Mo
$64
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,374
Payment Standard
$1,738
Rent
$1,374
Insurance
$64
Property Tax
$112
Management
$137
Utilities Allowance
$364
NOI (Monthly)
$1,061
Debt Service
$585
Cash Flow After Debt
$476
Quality Score: 61.90%
Confidence: 92.00%
This 3BR/1.5BA home is generally serviceable but shows signs of deferred maintenance (weathered exterior, worn carpet, loose or missing cabinet doors, aged deck). Major life-safety concerns visible from photos are limited, but the absence of visible smoke detectors/CO alarms and likely missing GFCI protection in the kitchen create probable initial inspection failures. Major mechanical systems are not photographed but vents and appliances suggest basic systems exist. With targeted repairs (install/verify smoke & CO alarms, add GFCI protection, secure/repair cabinet doors, address deck fasteners/rail stability, exterior maintenance), the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection within 2–6 weeks.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$364
Guaranteed Section 8 Rent (PS - Utilities)
$1,374
Property Management
$137
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,900
Beds
3
Baths
1.5
Living Area
1,070 sqft
Lot Size
31,799 sqft
Year Built
1981
Days on Market
18
Capital Outlay
$26,376
Debt Service
$585
Property Tax / Mo
$112
Insurance / Mo
$64
Property Description
3br, 1.5 bath home with formal dining room and living room. Home has deck on side and storage building. Home located in cul-de-sac.
Utility Allowances
Heating
$93
Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. Property details indicate Central Heat and an electric water heater, suggesting an all-electric setup. 'Ala Power' is chosen as the most likely provider.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has 'Central (COOL)', which is electric. 'Ala Power' is chosen for consistency.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit, as the property listing specifies 'Stove-Electric'. 'Ala Power' is chosen for consistency.
Water Heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. The property listing explicitly states 'Water Heaters: Electric'.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity for lights and miscellaneous appliances. 'Ala Power' is chosen for consistency.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit. The property has 'Public Water', and Center Point is typically served by the Birmingham Water Works Board.
Sewer
$0
Allowance is $0 because the property listing explicitly states it uses a 'Septic' system, not a public sewer utility.
Trash Collection
$20
Selected 'Jefferson City (Once per week)'. Since Center Point is in Jefferson County but not a city with a specific rate listed, this general county rate is the most appropriate choice.
Refrigerator
$0
Allowance is $0 because the property listing explicitly includes a 'Refrigerator', indicating it is provided by the landlord.
Range/Microwave
$6
Selected the fixed allowance for a tenant-provided microwave. The property listing mentions a stove but not a microwave, so it is assumed to be tenant-owned per the rules.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$625
DP3 Annual Estimate$918
DP1 Monthly Equivalent$52
DP3 Monthly Equivalent$76
Replacement Value$73,800
Basis1,070 sqft / 1981
Nearby Houses
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616 15th Ave NW
sold · 0.02 mi
Price: $133,500
3 bd / 2 ba · 1,157 sqft
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Latest rent: $1,225 on Feb 10, 2025
Photo unavailable
1524 6th Pl NW
sold · 0.06 mi
Price: $57,500
4 bd / 2 ba · 1,022 sqft
Latest sale: $57,500
Latest rent: —
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1520 6th St NW
sold · 0.06 mi
Price: $221,000
3 bd / 4 ba · 1,983 sqft
Latest sale: $221,000
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Photo unavailable
1528 6th St NW
sold · 0.07 mi
Price: $198,500
3 bd / 2 ba · 1,260 sqft
Latest sale: $198,500 on Aug 21, 2023
Latest rent: $950 on Jul 12, 2019
Photo unavailable
1529 6th Way NW
sold · 0.09 mi
Price: $85,000
3 bd / 1 ba · 1,070 sqft
Latest sale: $85,000 on Jul 22, 2020
Latest rent: —
Photo unavailable
1600 6th St NW
sold · 0.10 mi
Price: $195,000
3 bd / 3 ba · 2,040 sqft
Latest sale: $195,000
Latest rent: —
Photo unavailable
601 15th Ave NW
sold · 0.11 mi
Price: $140,000
3 bd / 2 ba · 1,364 sqft
Latest sale: $140,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors/CO alarms in photos — likely fail on safety inspection if absent or nonfunctional.
- No visible GFCI-protected receptacle at kitchen sink area — potential electrical hazard/fail.
- Elevated side deck is weathered and needs structural/fastener inspection (ledger/post attachments not verified).
Assumptions
- Forced-air HVAC exists (floor vents and ceiling fans visible); HVAC equipment and water heater are present but not photographed.
- Electrical panel is present on the property but was not shown in listing photos.
- Smoke and CO alarms are not present or not functioning because none are visible in common hallway/bedroom photos; assume none installed or will need verification.
- GFCI protection is not present at visible kitchen receptacles; assume inspection will require GFCI or equivalent protection near sink.
- No evidence of active roof leaks, major foundation movement, or severe mold exists in the photographed areas; assume these issues are not present unless discovered on-site.
- Deck ledger, posts, and stair connections have not been inspected; assume moderate maintenance needed based on visible weathering.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,302 | $89,800 | $17,960 |
| 2023 | $1,302 | $89,800 | $17,960 |
| 2022 | $1,004 | $69,300 | $13,860 |
| 2021 | $1,004 | $69,300 | $13,860 |
| 2020 | $1,004 | $69,300 | $13,860 |
| 2019 | $1,004 | $69,300 | $13,860 |
| 2018 | $862 | $59,500 | $11,900 |
| 2017 | $862 | $59,500 | $11,900 |
| 2016 | $360 | $59,500 | $5,960 |
| 2015 | $360 | $59,500 | $5,960 |
| 2013 | $340 | $58,600 | $5,860 |
| 2012 | $382 | $64,700 | $6,470 |
| 2011 | $529 | $85,800 | $8,580 |
| 2010 | $529 | $85,800 | $8,580 |
| 2009 | $529 | $85,800 | $8,580 |
| 2008 | $539 | $87,200 | $8,720 |
| 2007 | $496 | $81,000 | $8,100 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-29 | Listed | $109,900 |
| 2025-02-05 | Listing removed | $0 |
| 2025-01-17 | Listed for rent | $1,050 |
| 2020-11-19 | Listing removed | $0 |
| 2020-10-28 | Listed for rent | $850 |
| 2018-02-27 | Sold | $1,428,250 |
| 2016-07-29 | Sold | $45,500 |
| 2016-06-15 | Listed | $49,900 |
| 2016-05-19 | Listing removed | $75,000 |
| 2015-09-26 | Listed | $75,000 |
| 1989-10-31 | Sold | $45,000 |
| 1981-09-01 | Sold | $42,900 |
Photo Gallery
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21442107",
"price_change_percentage": "-92.31%"
},
{
"date": "2025-02-05",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1050,
"listing_id": "2977331814",
"last_update_date": "2025-01-17T00:51:33Z",
"last_status_change_date": "2025-02-05T00:54:27Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2ae3f3c7-99f1-11e8-8b0d-c81f66f921af",
"price_change_percentage": null
},
{
"date": "2025-01-17",
"price": 1050,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1050,
"listing_id": "2977331814",
"last_update_date": "2025-01-17T00:51:33Z",
"last_status_change_date": "2025-02-05T00:54:27Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.9545454545454546,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2ae3f3c7-99f1-11e8-8b0d-c81f66f921af",
"price_change_percentage": null
},
{
"date": "2020-11-19",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 850,
"listing_id": "2922869741",
"last_update_date": "2020-11-18T04:10:27Z",
"last_status_change_date": "2020-11-19T04:33:43Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "6191856",
"price_change_percentage": null
},
{
"date": "2020-10-28",
"price": 850,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 850,
"listing_id": "2922869741",
"last_update_date": "2020-11-18T04:10:27Z",
"last_status_change_date": "2020-11-19T04:33:43Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.7727272727272727,
"source_name": "AppfolioUnits",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "6191856",
"price_change_percentage": null
},
{
"date": "2018-02-27",
"price": 1428250,
"listing": null,
"event_name": "Sold",
"price_sqft": 1334.8130841121495,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2016-07-29",
"price": 45500,
"listing": {
"status": "sold",
"list_date": "2016-06-15T07:00:00Z",
"list_price": 49900,
"listing_id": "610672651",
"last_update_date": "2016-07-29T20:30:00Z",
"last_status_change_date": "2016-07-29T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -4400,
"days_after_listed": "44 days",
"source_listing_id": "753766",
"price_change_percentage": "-8.82%"
},
{
"date": "2016-06-15",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2016-06-15T07:00:00Z",
"list_price": 49900,
"listing_id": "610672651",
"last_update_date": "2016-07-29T20:30:00Z",
"last_status_change_date": "2016-07-29T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "753766",
"price_change_percentage": null
},
{
"date": "2016-05-19",
"price": 75000,
"listing": {
"status": "off_market",
"list_date": "2015-09-26T07:00:00Z",
"list_price": 75000,
"listing_id": "602042639",
"last_update_date": "2016-02-13T21:12:00Z",
"last_status_change_date": "2015-09-26T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "236 days",
"source_listing_id": "730113",
"price_change_percentage": null
},
{
"date": "2015-09-26",
"price": 75000,
"listing": {
"status": "off_market",
"list_date": "2015-09-26T07:00:00Z",
"list_price": 75000,
"listing_id": "602042639",
"last_update_date": "2016-02-13T21:12:00Z",
"last_status_change_date": "2015-09-26T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "730113",
"price_change_percentage": "+66.67%"
},
{
"date": "1989-10-31",
"price": 45000,
"listing": null,
"event_name": "Sold",
"price_sqft": 42.05607476635514,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1981-09-01",
"price": 42900,
"listing": null,
"event_name": "Sold",
"price_sqft": 40.09345794392523,
"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": "7741336230",
"generated_at": "2026-02-16T03:03:41.196975Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 61.9
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/16712a1112cca978654059194b106b54l-m4022973269s-w1280.jpg",
"rent_price": 1374.0,
"loan_amount": 87920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1504-6th-Pl-NW_Center-Point_AL_35215_M77413-36230",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 109900.0,
"loan_term_years": 30,
"annual_cash_flow": 12726.64,
"mortgage_monthly": 584.93,
"payment_standard": 1738.0,
"total_amount_out": 21980.0,
"additional_photos": [
"https://ap.rdcpix.com/16712a1112cca978654059194b106b54l-m451759702s-w1280.jpg",
"https://ap.rdcpix.com/16712a1112cca978654059194b106b54l-m3972303209s-w1280.jpg",
"https://ap.rdcpix.com/16712a1112cca978654059194b106b54l-m2352745988s-w1280.jpg",
"https://ap.rdcpix.com/16712a1112cca978654059194b106b54l-m2285143655s-w1280.jpg",
"https://ap.rdcpix.com/16712a1112cca978654059194b106b54l-m727980185s-w1280.jpg",
"https://ap.rdcpix.com/16712a1112cca978654059194b106b54l-m1827263459s-w1280.jpg",
"https://ap.rdcpix.com/16712a1112cca978654059194b106b54l-m2889878575s-w1280.jpg",
"https://ap.rdcpix.com/16712a1112cca978654059194b106b54l-m2091817694s-w1280.jpg",
"https://ap.rdcpix.com/16712a1112cca978654059194b106b54l-m1419881925s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 64.29,
"monthly_cash_flow": 1060.55,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. Property details indicate Central Heat and an electric water heater, suggesting an all-electric setup. 'Ala Power' is chosen as the most likely provider.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has 'Central (COOL)', which is electric. 'Ala Power' is chosen for consistency.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit, as the property listing specifies 'Stove-Electric'. 'Ala Power' is chosen for consistency.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. The property listing explicitly states 'Water Heaters: Electric'.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electricity for lights and miscellaneous appliances. 'Ala Power' is chosen for consistency.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit. The property has 'Public Water', and Center Point is typically served by the Birmingham Water Works Board.",
"utility": "Water",
"allowance": 78
},
{
"note": "Allowance is $0 because the property listing explicitly states it uses a 'Septic' system, not a public sewer utility.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Selected 'Jefferson City (Once per week)'. Since Center Point is in Jefferson County but not a city with a specific rate listed, this general county rate is the most appropriate choice.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "Allowance is $0 because the property listing explicitly includes a 'Refrigerator', indicating it is provided by the landlord.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Selected the fixed allowance for a tenant-provided microwave. The property listing mentions a stove but not a microwave, so it is assumed to be tenant-owned per the rules.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.58,
"down_payment_amount": 21980.0,
"property_tax_annual": 1341.06,
"property_tax_monthly": 111.75,
"property_tax_increase": 0.03,
"utility_allowance_total": 364.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 5707.43,
"property_management_monthly": 137.4,
"monthly_cash_flow_after_debt": 475.62,
"cash_on_cash_return_after_debt": 0.26
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/1.5BA home is generally serviceable but shows signs of deferred maintenance (weathered exterior, worn carpet, loose or missing cabinet doors, aged deck). Major life-safety concerns visible from photos are limited, but the absence of visible smoke detectors/CO alarms and likely missing GFCI protection in the kitchen create probable initial inspection failures. Major mechanical systems are not photographed but vents and appliances suggest basic systems exist. With targeted repairs (install/verify smoke & CO alarms, add GFCI protection, secure/repair cabinet doors, address deck fasteners/rail stability, exterior maintenance), the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior is largely intact with recent paint and usable flooring; kitchen has working range and refrigerator present. Visible deferred items: several cabinet doors removed/open or loose, under-sink area exposed (possible missing cabinet base/trim), carpet shows staining/wear in living areas, exterior siding is weathered and needs repaint/repair, deck wood is weathered. These are mainly cosmetic and moderate repair items; missing/loose cabinet doors and deck maintenance reduce score but are fixable without major structural work."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in the photos (NSPIRE requires working smoke detectors in hallways/bedroom vicinity). Kitchen outlets do not show a visible GFCI-protected receptacle near the sink — likely to be cited. Entry door appears to have a standard lock (deadbolt not clearly visible). No exposed high-voltage wiring, ceilings intact with no sign of active leaks, and bedroom windows appear to provide egress. The deck has a railing, but condition and attachment details are unknown. Overall moderate risk: items likely to cause an initial inspection failure (smoke/CO detectors and GFCI) but are straightforward to remediate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "No visible active roof leaks or ceiling stains; roof shingles appear intact from photos. Floor vents and ceiling fans visible indicating a forced-air HVAC system likely present, but the heating/cooling equipment and water heater were not shown. Electrical panel not pictured. Plumbing under sink is visible and intact in photos (no active leak signs), and the electric range is in place. Because major equipment (furnace/AHU, water heater, electrical panel) were not photographed, there is uncertainty; score reflects likely functional systems but moderate unknown risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Front siding and shutters are weathered and need maintenance/painting. Yard is overgrown with leaf accumulation that could hide trip hazards; grading appears sloped but no visible standing water or major erosion. Raised foundation/crawlspace uses concrete block piers visible in photos with no obvious large cracks or sagging. The side deck is elevated and weathered; posts and railing exist but require closer inspection for ledger/fastener condition and stair safety. No visible infestation or collapse."
}
],
"red_flags": [
"No visible smoke detectors/CO alarms in photos — likely fail on safety inspection if absent or nonfunctional.",
"No visible GFCI-protected receptacle at kitchen sink area — potential electrical hazard/fail.",
"Elevated side deck is weathered and needs structural/fastener inspection (ledger/post attachments not verified)."
],
"confidence": 0.7,
"assumptions": [
"Forced-air HVAC exists (floor vents and ceiling fans visible); HVAC equipment and water heater are present but not photographed.",
"Electrical panel is present on the property but was not shown in listing photos.",
"Smoke and CO alarms are not present or not functioning because none are visible in common hallway/bedroom photos; assume none installed or will need verification.",
"GFCI protection is not present at visible kitchen receptacles; assume inspection will require GFCI or equivalent protection near sink.",
"No evidence of active roof leaks, major foundation movement, or severe mold exists in the photographed areas; assume these issues are not present unless discovered on-site.",
"Deck ledger, posts, and stair connections have not been inspected; assume moderate maintenance needed based on visible weathering."
],
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1.5BA 1981 single-family appears structurally sound from photos and likely can pass an initial HCV/NSPIRE inspection after addressing a short list of items. Main work items before renting: verify/install required smoke and CO detectors, ensure GFCI protection on kitchen/bath outlets, repair/secure decking if needed, fix kitchen floor separation and replace/rehang cabinet doors, address exterior paint/siding and clear vegetation. With those targeted repairs (30 days or less), the property should be rent-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior is mostly intact with fresh-looking paint, functioning appliances (stove and refrigerator present) and finished flooring. Visible issues: soiled/worn carpeting in living areas, separated/lifted laminate plank in kitchen, several cabinet doors missing or detached, scuffed baseboards and minor cosmetic wall damage. These are mostly cosmetic/medium-effort repairs and carpentry replacements rather than structural. Missing/damaged cabinet doors and flooring separation reduce turnkey readiness but are repairable within a short rehab scope."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 60.0,
"rationale": "No obvious life-threatening hazards in photos (no collapsed ceilings, major water intrusion, or exposed live wiring visible). However critical NSPIRE safety items are not clearly documented: no visible smoke detectors in bedrooms/hallway, no visible CO detector, GFCI outlets in kitchen not identifiable, and front/entry deadbolt presence is unclear. Bedrooms appear to have egress windows. The kitchen plumbing P-trap is visible and appears installed. Because required alarms/GFCI may be missing or non-compliant, this creates moderate inspection risk that would likely require quick fixes before approval."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 65.0,
"rationale": "Visible floor registers indicate a central forced-air system likely present. Stove and refrigerator are onsite. Roof appears shingled without obvious large failure in photos, though gutters/valleys have debris. Under-sink plumbing shows a trap installed; no active leaks are visible. Electrical panel and water heater are not shown. Because key system components are not photographed, I assume typical serviceable condition based on age/style; this creates some moderate uncertainty but no clear signs of failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 58.0,
"rationale": "Exterior siding shows weathering and paint failure; shrubs are overgrown and close to the house which can promote moisture. The raised side deck is intact in photos but shows age; posts/footings and guardrail condition are uncertain and the elevated deck represents a potential safety/repair item (inspection recommended). Yard is sloped and leaf-covered; walkways/driveway not clearly shown. No visible foundation collapse or severe settlement, but siding and deck need attention."
}
],
"red_flags": [
"No visible smoke detectors in bedrooms or hallway in photos — required for NSPIRE compliance.",
"No visible carbon monoxide detector (where required) and GFCI outlets in kitchen not identifiable — likely immediate repair items.",
"Elevated side deck shows aging; guardrail/supports need close inspection for rot/structural safety.",
"Exterior siding/paint deterioration and overgrown shrubs adjacent to house could indicate moisture risk and require remediation."
],
"confidence": 0.72,
"assumptions": [
"Central HVAC is present and operational (floor registers visible); no photo of furnace/AC unit but assumed serviceable.",
"Water heater exists and provides hot water though not shown in photos.",
"Electrical panel is intact and functioning though not photographed.",
"Bedrooms provide adequate egress via the windows shown.",
"No active interior plumbing leaks exist beyond what is visible (under-sink appears dry in photos).",
"Stove and refrigerator are in working condition or will be serviced; minor appliance servicing acceptable.",
"Roof has no active leaks despite some debris; flashing and shingles are intact based on visible areas.",
"No concealed mold, severe pest infestation, or significant foundation movement beyond what photos show."
],
"overall_score": 64.0,
"rubric_version": "1.0"
},
{
"summary": "Moderate readiness for Section 8/NSPIRE: the house is fundamentally habitable with appliances present and no visible structural collapse, but several inspection risks exist that will likely require 30–60 days of work to reach passable condition. Primary concerns are unclear smoke/CO alarm coverage, potential lack of GFCI protection in kitchen, and weathered/possibly insecure deck railings and exterior deterioration. Most items are fixable with routine repairs and minor capital work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 70.0,
"rationale": "Interior and exterior show mostly cosmetic deferred maintenance: stained carpet, worn exterior paint/siding, several cabinet doors/drawers missing or open, and weathered deck wood. Major systems and finishes appear intact and appliances (stove and refrigerator) are present, which moderates the impact. These items are mostly easy-to-fix or capital repairs and would not by themselves require heavy structural work."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 50.0,
"rationale": "Visible safety issues and unknowns present moderate inspection risk. No exposed wiring or obvious electrical hazards are visible and floor registers indicate a forced-air system, but smoke/carbon-monoxide alarm coverage is unclear (only one small detector-like device noted in dining area). Kitchen outlets near sink do not show visible GFCI receptacles. Elevated deck and exterior steps show aged wood and railings that may need repair or verification of secure attachment and correct height. Plumbing fixtures appear present but hot water and water heater status are unknown. Because smoke detector and deck/handrail issues are potential NSPIRE fails, safety score is reduced."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 60.0,
"rationale": "Major systems show mixed evidence: roof shingles appear intact with no visible sagging or active leaks in photos, floor registers indicate an HVAC distribution system likely present, and kitchen plumbing is in place. However, the actual operational status of HVAC, water heater, and electrical panel cannot be confirmed from photos. No clear signs of catastrophic system failure, but verification / service likely needed before inspection."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 55.0,
"rationale": "Exterior siding and paint are weathered and would benefit from repair/painting; shrubs are against the house which can cause moisture/maintenance issues. The raised deck appears aged and should be further inspected for structural integrity, rail height, and stair handrail condition. Foundation and crawlspace vents appear present and no major foundation cracking or standing water is visible in the images."
}
],
"red_flags": [
"Unclear or insufficient smoke/carbon-monoxide detector coverage (potential NSPIRE fail).",
"Elevated deck and/or stairs: weathered wood and railing condition unknown — potential unsafe handrail/guardrail (possible NSPIRE fail if loose/missing/insufficient height).",
"No visible GFCI protection at kitchen sink outlets (safety/code concern)."
],
"confidence": 0.6,
"assumptions": [
"Forced-air HVAC exists (floor registers visible) and is operational or serviceable; no visible separate heating source shown.",
"Water heater and hot water are present in the property but were not photographed; assumed functioning until proven otherwise.",
"Electrical panel is intact and located elsewhere on property; no visible exposed wiring in photos.",
"Bedrooms have windows that provide egress (windows visible in bedroom photos) but exact sill heights and sizes were not measured.",
"There are no active roof leaks; roof appears intact though not fully inspected from photos.",
"Smoke and CO detector coverage is incomplete or unclear based on photos; assume installer did not demonstrate full code-compliant coverage.",
"Deck framing is intact but aged; no visible immediate sagging, but connections/guardrail strength unknown."
],
"overall_score": 60.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1504 6th Pl NW, Center Point, AL, 35215",
"aggregate": {
"summary": "This 3BR/1.5BA home is generally serviceable but shows signs of deferred maintenance (weathered exterior, worn carpet, loose or missing cabinet doors, aged deck). Major life-safety concerns visible from photos are limited, but the absence of visible smoke detectors/CO alarms and likely missing GFCI protection in the kitchen create probable initial inspection failures. Major mechanical systems are not photographed but vents and appliances suggest basic systems exist. With targeted repairs (install/verify smoke & CO alarms, add GFCI protection, secure/repair cabinet doors, address deck fasteners/rail stability, exterior maintenance), the property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 69.3,
"rationale": "Interior is largely intact with recent paint and usable flooring; kitchen has working range and refrigerator present. Visible deferred items: several cabinet doors removed/open or loose, under-sink area exposed (possible missing cabinet base/trim), carpet shows staining/wear in living areas, exterior siding is weathered and needs repaint/repair, deck wood is weathered. These are mainly cosmetic and moderate repair items; missing/loose cabinet doors and deck maintenance reduce score but are fixable without major structural work."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 57.7,
"rationale": "Front siding and shutters are weathered and need maintenance/painting. Yard is overgrown with leaf accumulation that could hide trip hazards; grading appears sloped but no visible standing water or major erosion. Raised foundation/crawlspace uses concrete block piers visible in photos with no obvious large cracks or sagging. The side deck is elevated and weathered; posts and railing exist but require closer inspection for ledger/fastener condition and stair safety. No visible infestation or collapse."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in the photos (NSPIRE requires working smoke detectors in hallways/bedroom vicinity). Kitchen outlets do not show a visible GFCI-protected receptacle near the sink — likely to be cited. Entry door appears to have a standard lock (deadbolt not clearly visible). No exposed high-voltage wiring, ceilings intact with no sign of active leaks, and bedroom windows appear to provide egress. The deck has a railing, but condition and attachment details are unknown. Overall moderate risk: items likely to cause an initial inspection failure (smoke/CO detectors and GFCI) but are straightforward to remediate."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 61.7,
"rationale": "No visible active roof leaks or ceiling stains; roof shingles appear intact from photos. Floor vents and ceiling fans visible indicating a forced-air HVAC system likely present, but the heating/cooling equipment and water heater were not shown. Electrical panel not pictured. Plumbing under sink is visible and intact in photos (no active leak signs), and the electric range is in place. Because major equipment (furnace/AHU, water heater, electrical panel) were not photographed, there is uncertainty; score reflects likely functional systems but moderate unknown risk."
}
],
"red_flags": [
"No visible smoke detectors/CO alarms in photos — likely fail on safety inspection if absent or nonfunctional.",
"No visible GFCI-protected receptacle at kitchen sink area — potential electrical hazard/fail.",
"Elevated side deck is weathered and needs structural/fastener inspection (ledger/post attachments not verified)."
],
"confidence": 0.92,
"assumptions": [
"Forced-air HVAC exists (floor vents and ceiling fans visible); HVAC equipment and water heater are present but not photographed.",
"Electrical panel is present on the property but was not shown in listing photos.",
"Smoke and CO alarms are not present or not functioning because none are visible in common hallway/bedroom photos; assume none installed or will need verification.",
"GFCI protection is not present at visible kitchen receptacles; assume inspection will require GFCI or equivalent protection near sink.",
"No evidence of active roof leaks, major foundation movement, or severe mold exists in the photographed areas; assume these issues are not present unless discovered on-site.",
"Deck ledger, posts, and stair connections have not been inspected; assume moderate maintenance needed based on visible weathering."
],
"score_method": "mean_of_criteria",
"overall_score": 61.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7741336230"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.