Property ID: 7745568957
5794 Jean Lafitte Blvd, Lafitte, LA, 70067
Lafitte, LA
Money Down: $71,760
CoC Return: -7.50%
Monthly Cash Flow: $-449
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
-7.50%
Rent
$1,696
Monthly Cash Flow
$-449
Annual Cash Flow
$-5,384
Debt Service / Mo
$1,591
Property Tax / Mo
$241
Insurance / Mo
$143
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$143
Property Tax
$241
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,143
Debt Service
$1,591
Cash Flow After Debt
$-449
Quality Score: 72.10%
Confidence: 92.00%
Overall the home appears in good, mostly move-in condition with high-quality interior updates and functioning appliances. The property had flooding during Hurricane Ida but received many updates and the main roof was replaced — both positive indicators. Primary inspection risks are related to prior flood history and the explicitly noted back patio roof damage (possible concealed moisture/mold or localized structural/roof issues), and the absence of visible smoke/CO detectors and GFCI outlets in photos. Likely to pass an initial HCV/NSPIRE inspection after addressing a small list of code items (install/verify detectors, repair/replace damaged patio roof/ceiling, confirm GFCI, electrical panel and water heater status). Estimated readiness: minor repairs and verification — likely rent-ready within 2–4 weeks if the patio roof damage and detector/outlet issues are resolved.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,000
Beds
3
Baths
2.5
Living Area
1,832 sqft
Lot Size
22,651 sqft
Year Built
2000
Days on Market
142
Capital Outlay
$71,760
Debt Service
$1,591
Property Tax / Mo
$241
Insurance / Mo
$143
Property Description
Experience waterfront living at its finest in this stunning 3 bedroom, 2.5 bathroom home nestled on scenic Bayou Barataria. Perfect for those who love being on the water, this two-story retreat offers breathtaking water views from the living room's expansive windows and a tranquil setting to enjoy boating, fishing, or simply relaxing by the water's edge. The chef's kitchen features a spacious pantry, stainless steel appliances, and elegant stone countertops, making it ideal for entertaining. The primary suite on the main floor provides a luxurious retreat with double sinks and a walk-in shower, while upstairs offers two additional bedrooms overlook the main living area, offering plenty of space. The outdoor covered patio is perfect for outdoor gatherings and enjoying stunning sunsets. Complete with a one-car attached garage and a spacious driveway, providing ample parking for your boats, trailers, and vehicles, making it easy to enjoy water-based adventures without any hassle or to host guests. This home seamlessly combines luxurious comfort, practicality, and prime waterfront access for the ultimate lifestyle of recreation and relaxation. Many updates done after Hurricane Ida flooded home, with a few finishing touches needed. Roof was also changed after Hurricane Ida. Back patio roof has damage underneath. Assumable flood insurance, approx. $900. a year! Contact us today to schedule your own private viewing or for more information.
Utility Allowances
Heating
$70
Selected 'natural_gas' for heating as the property description explicitly states 'Gas: Natural' and 'Heating Features: ... Central'.
Cooking
$12
Selected 'natural_gas' for cooking as the property description explicitly states 'Gas: Natural'.
Water Heating
$24
Selected 'natural_gas' for water heating based on the availability of 'Gas: Natural' for other appliances, making it the most probable and economical choice.
Other Electric
$67
A fixed allowance for standard electricity usage such as lighting, outlets, and fans.
Water
$43
A fixed allowance for water, as the property description specifies 'Water Source: Public'.
Sewer
$46
Property lists 'Sewer: Treatment Plant'. This is inferred to be a tenant-paid public service as an allowance is provided in the utility schedule.
Trash Collection
$25
This is a standard, fixed-cost utility for single-family homes and is assumed to be paid by the tenant.
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$1,713
DP3 Annual Estimate$1,713
DP1 Monthly Equivalent$143
DP3 Monthly Equivalent$143
Replacement Value$225,200
Basis1,832 sqft / 2000
Nearby Houses
Photo unavailable
5166 Kenal Rd Lot 12
for_sale · 0.07 mi
Price: $20,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
5166 Kenal Rd Lot 12
off_market · 0.07 mi
Price: $20,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
5728 Jean Lafitte Blvd Lots 1 & 40
for_sale · 0.13 mi
Price: $85,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
5679 Jean Lafitte Blvd
off_market · 0.23 mi
Price: $250,000
2 bd / 3 ba · 1,838 sqft
Latest sale: — on Sep 30, 2019
Latest rent: —
Photo unavailable
5555 Jean Lafitte Blvd Lots 4,5,6
for_sale · 0.47 mi
Price: $120,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
5550 Fisher St
for_sale · 0.48 mi
Price: $120,000
2 bd / 1 ba · 932 sqft
Latest sale: — on Jun 13, 2016
Latest rent: —
Photo unavailable
5563 Perrin St
for_sale · 0.50 mi
Price: $325,000
4 bd / 3 ba · 2,033 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- back_patio_roof_damage_underneath (listed explicitly) — potential active leak / localized structural damage
- history_of_flooding_from_Hurricane_Ida — elevated risk for hidden moisture, mold, or subfloor damage
- no_visible_smoke_detectors_or_CO_detectors_in_photos — NSPIRE-required life-safety devices need verification/installation
Assumptions
- Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or not in required locations until confirmed.
- Electrical panel, GFCI outlets, and water heater are not pictured; assume typical condition unless inspection reveals defects.
- Listing statement that 'many updates done after Hurricane Ida' implies remediation was completed on primary systems, but back patio roof damage indicates at least one unfinished/remaining repair.
- No active leaks are visible in interior photos; assume any water intrusion from back patio roof damage is localized but may have caused hidden moisture in that area.
- Stair rail and guards visible in photos are assumed to meet height and strength requirements; detailed measurements not available from images.
- Kitchen and laundry appliances pictured are functional, but operation has not been tested — assume working until pre-inspection identifies failures.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,807 | $242,000 | $24,200 |
| 2024 | $2,802 | $242,000 | $24,200 |
| 2023 | $776 | $61,800 | $6,180 |
| 2022 | $756 | $61,800 | $6,180 |
| 2021 | $710 | $61,800 | $6,180 |
| 2020 | $2,762 | $242,000 | $24,200 |
| 2019 | $2,798 | $242,000 | $24,200 |
| 2018 | $2,603 | $242,000 | $24,200 |
| 2017 | $2,603 | $242,000 | $24,200 |
| 2016 | $2,549 | $242,000 | $24,200 |
| 2015 | $2,593 | $242,000 | $24,200 |
| 2014 | $2,561 | $242,000 | $24,200 |
| 2013 | $2,561 | $242,000 | $24,200 |
| 2012 | $1,767 | $242,000 | $24,200 |
| 2011 | $1,704 | $239,800 | $23,980 |
| 2010 | $2,419 | $239,800 | $23,980 |
| 2009 | $2,419 | $239,800 | $23,980 |
| 2008 | $1,592 | — | $23,980 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-15 | Price Changed | $299,000 |
| 2025-12-09 | Price Changed | $325,000 |
| 2025-11-17 | Listed | $350,000 |
| 2020-03-02 | Listing removed | $0 |
| 2019-12-13 | Relisted | $369,999 |
| 2019-12-12 | Listing removed | $0 |
| 2019-12-11 | Listed | $369,999 |
| 2003-10-01 | Sold | $0 |
Photo Gallery
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"land": 1350,
"total": 24200,
"building": 22850
}
},
{
"tax": 2561,
"year": 2014,
"market": {
"land": 13500,
"total": 242000,
"building": 228500
},
"assessment": {
"land": 1350,
"total": 24200,
"building": 22850
}
},
{
"tax": 2561,
"year": 2013,
"market": {
"land": 13500,
"total": 242000,
"building": 228500
},
"assessment": {
"land": 1350,
"total": 24200,
"building": 22850
}
},
{
"tax": 1767,
"year": 2012,
"market": {
"land": 13500,
"total": 242000,
"building": 228500
},
"assessment": {
"land": 1350,
"total": 24200,
"building": 22850
}
},
{
"tax": 1704,
"year": 2011,
"market": {
"land": 13500,
"total": 239800,
"building": 226300
},
"assessment": {
"land": 1350,
"total": 23980,
"building": 22630
}
},
{
"tax": 2419,
"year": 2010,
"market": {
"land": 13500,
"total": 239800,
"building": 226300
},
"assessment": {
"land": 1350,
"total": 23980,
"building": 22630
}
},
{
"tax": 2419,
"year": 2009,
"market": {
"land": 13500,
"total": 239800,
"building": 226300
},
"assessment": {
"land": 1350,
"total": 23980,
"building": 22630
}
},
{
"tax": 1592,
"year": 2008,
"market": null,
"assessment": {
"land": null,
"total": 23980,
"building": null
}
}
],
"property_history": [
{
"date": "2025-12-15",
"price": 299000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-17T21:38:36Z",
"list_price": 299000,
"listing_id": "2988663521",
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"event_name": "Price Changed",
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},
{
"date": "2025-12-09",
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"listing": {
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"list_date": "2025-11-17T21:38:36Z",
"list_price": 299000,
"listing_id": "2988663521",
"last_update_date": "2026-02-09T14:59:01Z",
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"event_name": "Price Changed",
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"price_change": -25000,
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},
{
"date": "2025-11-17",
"price": 350000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-17T21:38:36Z",
"list_price": 299000,
"listing_id": "2988663521",
"last_update_date": "2026-02-09T14:59:01Z",
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"event_name": "Listed",
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},
{
"date": "2020-03-02",
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"listing": {
"status": "off_market",
"list_date": "2019-12-11T06:28:24Z",
"list_price": 369999,
"listing_id": "2851198555",
"last_update_date": "2020-01-15T23:30:33Z",
"last_status_change_date": "2020-03-02T09:56:18Z"
},
"event_name": "Listing removed",
"price_sqft": null,
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2233452",
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},
{
"date": "2019-12-13",
"price": 369999,
"listing": {
"status": "off_market",
"list_date": "2019-12-11T06:28:24Z",
"list_price": 369999,
"listing_id": "2851198555",
"last_update_date": "2020-01-15T23:30:33Z",
"last_status_change_date": "2020-03-02T09:56:18Z"
},
"event_name": "Relisted",
"price_sqft": 194.02149973780809,
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"price_change": 369999,
"days_after_listed": null,
"source_listing_id": "2233452",
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},
{
"date": "2019-12-12",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2019-12-11T06:28:24Z",
"list_price": 369999,
"listing_id": "2851198555",
"last_update_date": "2020-01-15T23:30:33Z",
"last_status_change_date": "2020-03-02T09:56:18Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": "1 day",
"source_listing_id": "2233452",
"price_change_percentage": null
},
{
"date": "2019-12-11",
"price": 369999,
"listing": {
"status": "off_market",
"list_date": "2019-12-11T06:28:24Z",
"list_price": 369999,
"listing_id": "2851198555",
"last_update_date": "2020-01-15T23:30:33Z",
"last_status_change_date": "2020-03-02T09:56:18Z"
},
"event_name": "Listed",
"price_sqft": 194.02149973780809,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2233452",
"price_change_percentage": null
},
{
"date": "2003-10-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7745568957",
"generated_at": "2026-03-27T02:41:40.613151Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 72.1
},
"utility_allowance": {
"zip_code": "70067",
"home_photo": "https://ap.rdcpix.com/e2e59fd910aa04f59deb0c1838f8b93fl-m2326781041s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 239200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/5794-Jean-Lafitte-Blvd_Lafitte_LA_70067_M77455-68957",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 299000.0,
"loan_term_years": 30,
"annual_cash_flow": 13712.59,
"mortgage_monthly": 1591.4,
"payment_standard": 1983.0,
"total_amount_out": 59800.0,
"additional_photos": [
"https://ap.rdcpix.com/e2e59fd910aa04f59deb0c1838f8b93fl-m1015997772s-w1280.jpg",
"https://ap.rdcpix.com/e2e59fd910aa04f59deb0c1838f8b93fl-m2948671018s-w1280.jpg",
"https://ap.rdcpix.com/e2e59fd910aa04f59deb0c1838f8b93fl-m1062867061s-w1280.jpg",
"https://ap.rdcpix.com/e2e59fd910aa04f59deb0c1838f8b93fl-m1733804884s-w1280.jpg",
"https://ap.rdcpix.com/e2e59fd910aa04f59deb0c1838f8b93fl-m3506772318s-w1280.jpg",
"https://ap.rdcpix.com/e2e59fd910aa04f59deb0c1838f8b93fl-m4230734586s-w1280.jpg",
"https://ap.rdcpix.com/e2e59fd910aa04f59deb0c1838f8b93fl-m3963140839s-w1280.jpg",
"https://ap.rdcpix.com/e2e59fd910aa04f59deb0c1838f8b93fl-m154336521s-w1280.jpg",
"https://ap.rdcpix.com/e2e59fd910aa04f59deb0c1838f8b93fl-m3804689185s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 142.75,
"monthly_cash_flow": 1142.72,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'natural_gas' for heating as the property description explicitly states 'Gas: Natural' and 'Heating Features: ... Central'.",
"utility": "Heating",
"allowance": 70
},
{
"note": "Selected 'natural_gas' for cooking as the property description explicitly states 'Gas: Natural'.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "Selected 'natural_gas' for water heating based on the availability of 'Gas: Natural' for other appliances, making it the most probable and economical choice.",
"utility": "Water Heating",
"allowance": 24
},
{
"note": "A fixed allowance for standard electricity usage such as lighting, outlets, and fans.",
"utility": "Other Electric",
"allowance": 67
},
{
"note": "A fixed allowance for water, as the property description specifies 'Water Source: Public'.",
"utility": "Water",
"allowance": 43
},
{
"note": "Property lists 'Sewer: Treatment Plant'. This is inferred to be a tenant-paid public service as an allowance is provided in the utility schedule.",
"utility": "Sewer",
"allowance": 46
},
{
"note": "This is a standard, fixed-cost utility for single-family homes and is assumed to be paid by the tenant.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.23,
"down_payment_amount": 59800.0,
"property_tax_annual": 2891.21,
"property_tax_monthly": 240.93,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -5384.25,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -448.69,
"cash_on_cash_return_after_debt": -0.09
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the home appears in good, mostly move-in condition with high-quality interior updates and functioning appliances. The property had flooding during Hurricane Ida but received many updates and the main roof was replaced — both positive indicators. Primary inspection risks are related to prior flood history and the explicitly noted back patio roof damage (possible concealed moisture/mold or localized structural/roof issues), and the absence of visible smoke/CO detectors and GFCI outlets in photos. Likely to pass an initial HCV/NSPIRE inspection after addressing a small list of code items (install/verify detectors, repair/replace damaged patio roof/ceiling, confirm GFCI, electrical panel and water heater status). Estimated readiness: minor repairs and verification — likely rent-ready within 2–4 weeks if the patio roof damage and detector/outlet issues are resolved.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show updated finishes, new-looking flooring, remodeled kitchen and bathrooms, and appliances present. Listing notes 'many updates done after Hurricane Ida' and 'a few finishing touches needed.' Visible finishing work near kitchen (unpainted drywall patches) and explicit back patio roof damage in listing reduce score slightly. No major interior deterioration or collapsed elements visible."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious exposed wiring, no collapsed ceilings, stair guardrail appears intact and solid. Central HVAC vents visible. However smoke and CO detectors are not visible in photos (could be present but not shown). GFCI outlets not clearly identified in kitchen/baths from photos. Property has known prior flooding which raises elevated risk for hidden mold or moisture damage in areas not pictured (basement/under-flooring or back patio ceiling). Entry door appears secure but no close view of deadbolt. Given mostly good visible conditions but several unverified NSPIRE checkpoints, moderate caution recommended."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states roof was replaced after Hurricane Ida which is positive for main roof integrity; interior HVAC supply vents visible indicating central HVAC likely present. Kitchen appliances (range, double oven/microwave, dishwasher, refrigerator) and laundry machines are present. Water heater and electrical panel are not shown. Prior flood event increases risk for replaced/compromised plumbing or hot water equipment; however listing indicates many updates were completed. Back patio roof damage may indicate a localized roof or structural issue affecting mechanical components beneath it."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brick and siding shown in front view appear in good condition; driveway and yard look maintained. Waterfront location provides nice access but places property in a flood zone (confirmed by listing's assumable flood insurance note). The front roof appears intact; listing flags back patio roof damage underneath which impacts the exterior/site score and could affect porch structure and egress from the back. No obvious foundation settlement or major exterior deterioration visible in photos."
}
],
"red_flags": [
"back_patio_roof_damage_underneath (listed explicitly) — potential active leak / localized structural damage",
"history_of_flooding_from_Hurricane_Ida — elevated risk for hidden moisture, mold, or subfloor damage",
"no_visible_smoke_detectors_or_CO_detectors_in_photos — NSPIRE-required life-safety devices need verification/installation"
],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or not in required locations until confirmed.",
"Electrical panel, GFCI outlets, and water heater are not pictured; assume typical condition unless inspection reveals defects.",
"Listing statement that 'many updates done after Hurricane Ida' implies remediation was completed on primary systems, but back patio roof damage indicates at least one unfinished/remaining repair.",
"No active leaks are visible in interior photos; assume any water intrusion from back patio roof damage is localized but may have caused hidden moisture in that area.",
"Stair rail and guards visible in photos are assumed to meet height and strength requirements; detailed measurements not available from images.",
"Kitchen and laundry appliances pictured are functional, but operation has not been tested — assume working until pre-inspection identifies failures."
],
"overall_score": 74.0,
"rubric_version": "1.0"
},
{
"summary": "Overall, this waterfront single-family home appears in good cosmetic condition and is likely to pass a Housing Choice Voucher (NSPIRE) initial inspection with minor repairs and verification of safety items. Visible strengths include updated kitchen and bathrooms, intact floors, appliances and a replaced main roof. Primary concerns are the disclosed back patio roof damage, prior flood history (Hurricane Ida) which raises the possibility of concealed water-related damage or mold, and lack of visible smoke/CO detectors and GFCI confirmation in photos. Addressing finishing touches, verifying/adding required detectors, checking for hidden moisture/mold and confirming system operation (HVAC, water heater, electrical panel) should make the property inspection-ready within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior finishes largely updated and in good visible condition: new-looking laminate flooring, updated kitchen cabinets/countertops and stainless appliances, remodeled primary suite fixtures and updated bathrooms. Minor unfinished work is visible (patch/skim coat areas in kitchen around window/light fixture) and listing notes 'a few finishing touches needed.' Back covered patio roof has visible underside damage per listing (not fully shown in photos). No major interior damage or collapsed finishes visible. Missing appliances are not an issue (appliances present). Overall mostly cosmetic and minor-repair needs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos: stair railings present, no exposed wiring or collapsed ceilings seen, plumbing fixtures appear functional. However required safety items are not clearly visible: smoke detectors and carbon monoxide detectors are not shown in photos (could fail NSPIRE if absent), GFCI outlet locations near sink not verified, electrical panel not shown, and bedroom egress windows are assumed adequate but not explicitly documented. Listing discloses prior flooding (Hurricane Ida) and back patio roof damage which raise risk of hidden water damage or mold. Entry door appears secure with deadbolt (photo of front entry not close-up)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Major systems indicators are positive: listing states roof was changed after Hurricane Ida; ceiling vents visible indicating central HVAC distribution; kitchen appliances, laundry machines and dishwasher present and appear operational. Water heater and electrical service condition are not visible in photos. Back patio roof damage noted in listing could indicate localized roof/structure concern affecting drainage. Flood history increases risk of concealed system damage (electrical, insulation, HVAC components) that may require validation."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Front elevation, driveway and yard are tidy and well maintained; attached garage present. Waterfront location offers value but also significant flood risk—listing confirms prior flood during Hurricane Ida and assumable flood insurance. Neighbor structures show elevation on stilts (indicative of local flood practices). Back covered patio roof has underside damage (seller disclosure). No visible standing water, major foundation cracks or collapsing exterior elements in photos, but shoreline/water proximity increases inspection attention on drainage and foundation waterproofing."
}
],
"red_flags": [
"Back covered patio roof underside damage disclosed by seller (potential localized structural/roofing repair).",
"History of flooding during Hurricane Ida — increased risk of hidden water damage, mold, or compromised systems.",
"No smoke detectors or CO alarms visible in provided photos — potential immediate NSPIRE fail if not present in required locations.",
"No photo verification of electrical panel, GFCI protection in kitchen/bathrooms, or water heater condition."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational (ceiling vents visible) though full system function not verified in photos.",
"Water heater and electrical panel exist and are in safe working condition but are not shown in the photos.",
"Smoke detectors and carbon monoxide detectors are not visible in the provided photos; assume they may not be installed or may be insufficient until verified.",
"Kitchen and laundry appliances shown are functional; listing text and photos suggest these remain in place.",
"Bedrooms have code-compliant egress windows though not all bedroom windows are shown close-up; assume typical construction with egress unless proven otherwise.",
"Back patio roof damage referenced in listing is localized to the patio roof underside and does not imply total roof replacement need for main roof (main roof was replaced after Ida per listing).",
"No visible active mold in photos, but prior flooding increases probability of concealed moisture-related issues that will need inspection."
],
"overall_score": 72.0,
"rubric_version": "nsipre-v1.0-2026"
},
{
"summary": "Overall the home appears largely renovated and close to turnkey: updated kitchen, flooring, appliances, and an intact exterior roof replacement are strong positives. Primary inspection risks are related to past flooding (Hurricane Ida) and seller‑disclosed damage to the back patio roof underside, plus missing visibility of required safety devices (smoke/CO alarms) and GFCIs/electrical panel in the photos. With verification/repairs of the patio roof, confirmation/install of detectors and GFCIs, and basic checks of water heater/electrical panel, the property is likely to pass a Housing Choice Voucher/NSPIRE initial inspection within 1–4 weeks. If hidden flood-related system damage is present, repair time could increase.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Interior photos show recently upgraded finishes (new-looking flooring, updated kitchen, newer appliances, refreshed bathrooms). Most visible surfaces are in good cosmetic condition. Listing discloses 'a few finishing touches needed' and 'back patio roof has damage underneath' which likely require localized repair. Missing/minor items (outdoor patio finish, possible trim/paint touchups) reduce a perfect score but overall property appears in good, rentable condition."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious immediate life‑threatening hazards seen in photos (stairs have handrail, no collapsed ceilings, no visible exposed wiring). Central HVAC vents visible suggesting heating/cooling present. However required safety devices (smoke alarms, CO alarms) are not visible in photos; GFCI outlets in kitchen/baths and electrical panel also not shown. Seller disclosure of prior flood and disclosed patio roof damage increases risk for hidden moisture, mold, or active leaks. On balance: passable but moderate inspection risk until detectors and GFCI/electrical compliance are confirmed and patio roof repairs completed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Listing states the roof was replaced after Hurricane Ida and photos show ceiling vents consistent with central HVAC (suggests operational system). Kitchen and laundry appliances visible and modern. No water heater, electrical panel, or visible plumbing leaks shown in photos. Prior flooding raises risk to systems (electrical/plumbing/HW) that were repaired — documentation or contractor receipts would reduce risk. Given visible evidence of system upgrades but some unknowns, score reflects likely functional systems with moderate verification needed."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard & site",
"score": 70.0,
"rationale": "Exterior photos show intact siding/brick, solid driveway and garage, and maintained yard. The property is waterfront on Bayou Barataria and seller discloses prior flooding (Hurricane Ida) and notes back patio roof damage underneath — this creates ongoing flood risk and localized structural/finish repair needs. No visible major foundation separation or sagging in photos, but waterfront location increases long‑term site risk (erosion/flooding)."
}
],
"red_flags": [
"Prior flooding during Hurricane Ida (seller disclosure) — elevated risk of hidden water damage, mold, or compromised systems.",
"Back patio roof has damage underneath (seller disclosure) — potential active leak or structural/finish repair required.",
"Property is waterfront/in flood zone and requires flood insurance (assumable) — ongoing cost and heightened risk for future inspections/repairs.",
"No smoke or carbon monoxide detectors are visible in photos — absence could trigger immediate NSPIRE failure if not present/installed.",
"GFCI protection and electrical panel not shown — unknown compliance risk that must be verified before inspection."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and functioning (ceiling vents visible); no visible HVAC breakdown.",
"Main roof replacement after Hurricane Ida was completed professionally as claimed; no active roof leaks visible inside photos.",
"Back patio roof damage is localized to the covered patio area (seller disclosure) and is not causing visible interior ceiling failures.",
"Smoke detectors, carbon monoxide alarms, GFCI protection, hot water heater, and electrical panel compliance are unknown because not shown in photos and will need verification.",
"No active visible mold, standing water, or collapsed structures were observed in provided photos; however, past flooding increases likelihood of hidden moisture issues.",
"Appliances shown (range, refrigerator, washer/dryer, double oven, microwave) are present and mostly operational; missing items were not observed."
],
"overall_score": 70.0,
"rubric_version": "ns-pv1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5794 Jean Lafitte Blvd, Lafitte, LA, 70067",
"aggregate": {
"summary": "Overall the home appears in good, mostly move-in condition with high-quality interior updates and functioning appliances. The property had flooding during Hurricane Ida but received many updates and the main roof was replaced — both positive indicators. Primary inspection risks are related to prior flood history and the explicitly noted back patio roof damage (possible concealed moisture/mold or localized structural/roof issues), and the absence of visible smoke/CO detectors and GFCI outlets in photos. Likely to pass an initial HCV/NSPIRE inspection after addressing a small list of code items (install/verify detectors, repair/replace damaged patio roof/ceiling, confirm GFCI, electrical panel and water heater status). Estimated readiness: minor repairs and verification — likely rent-ready within 2–4 weeks if the patio roof damage and detector/outlet issues are resolved.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.0,
"rationale": "Interior photos show updated finishes, new-looking flooring, remodeled kitchen and bathrooms, and appliances present. Listing notes 'many updates done after Hurricane Ida' and 'a few finishing touches needed.' Visible finishing work near kitchen (unpainted drywall patches) and explicit back patio roof damage in listing reduce score slightly. No major interior deterioration or collapsed elements visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.3,
"rationale": "Exterior brick and siding shown in front view appear in good condition; driveway and yard look maintained. Waterfront location provides nice access but places property in a flood zone (confirmed by listing's assumable flood insurance note). The front roof appears intact; listing flags back patio roof damage underneath which impacts the exterior/site score and could affect porch structure and egress from the back. No obvious foundation settlement or major exterior deterioration visible in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 66.7,
"rationale": "No obvious exposed wiring, no collapsed ceilings, stair guardrail appears intact and solid. Central HVAC vents visible. However smoke and CO detectors are not visible in photos (could be present but not shown). GFCI outlets not clearly identified in kitchen/baths from photos. Property has known prior flooding which raises elevated risk for hidden mold or moisture damage in areas not pictured (basement/under-flooring or back patio ceiling). Entry door appears secure but no close view of deadbolt. Given mostly good visible conditions but several unverified NSPIRE checkpoints, moderate caution recommended."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states roof was replaced after Hurricane Ida which is positive for main roof integrity; interior HVAC supply vents visible indicating central HVAC likely present. Kitchen appliances (range, double oven/microwave, dishwasher, refrigerator) and laundry machines are present. Water heater and electrical panel are not shown. Prior flood event increases risk for replaced/compromised plumbing or hot water equipment; however listing indicates many updates were completed. Back patio roof damage may indicate a localized roof or structural issue affecting mechanical components beneath it."
}
],
"red_flags": [
"back_patio_roof_damage_underneath (listed explicitly) — potential active leak / localized structural damage",
"history_of_flooding_from_Hurricane_Ida — elevated risk for hidden moisture, mold, or subfloor damage",
"no_visible_smoke_detectors_or_CO_detectors_in_photos — NSPIRE-required life-safety devices need verification/installation"
],
"confidence": 0.92,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or not in required locations until confirmed.",
"Electrical panel, GFCI outlets, and water heater are not pictured; assume typical condition unless inspection reveals defects.",
"Listing statement that 'many updates done after Hurricane Ida' implies remediation was completed on primary systems, but back patio roof damage indicates at least one unfinished/remaining repair.",
"No active leaks are visible in interior photos; assume any water intrusion from back patio roof damage is localized but may have caused hidden moisture in that area.",
"Stair rail and guards visible in photos are assumed to meet height and strength requirements; detailed measurements not available from images.",
"Kitchen and laundry appliances pictured are functional, but operation has not been tested — assume working until pre-inspection identifies failures."
],
"score_method": "mean_of_criteria",
"overall_score": 72.1,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7745568957"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.