Property ID: 7751888790
5219 Court G, Fairfield, AL, 35064
Fairfield, AL
Money Down: $16,680
CoC Return: 28.14%
Monthly Cash Flow: $391
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$13,900
Closing Costs
$2,780
Total Down
$16,680
Investment Snapshot
Purchase Price
$69,500
Money Down
$16,680
Cash-on-Cash Return
28.14%
Rent
$990
Monthly Cash Flow
$391
Annual Cash Flow
$4,693
Debt Service / Mo
$370
Property Tax / Mo
$78
Insurance / Mo
$52
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$990
Payment Standard
$1,584
Rent
$990
Insurance
$52
Property Tax
$78
Management
$99
Utilities Allowance
$594
NOI (Monthly)
$761
Debt Service
$370
Cash Flow After Debt
$391
Quality Score: 70.20%
Confidence: 82.00%
Overall this 3-bed, 1-bath single family appears in generally good, mostly cosmetic condition and would likely pass an initial HCV (NSPIRE) inspection after completing a short punch list: verify/repair any ceiling/water intrusion issues, install/verify smoke and CO detectors, ensure GFCI protection at kitchen/bath, confirm HVAC and hot water operation, and supply or install kitchen appliances if required by lease. Time-to-rent: likely within 1-4 weeks pending verification of mechanicals and installation of detectors/GFCI.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$594
Guaranteed Section 8 Rent (PS - Utilities)
$990
Property Management
$99
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$69,500
Beds
3
Baths
1
Living Area
1,140 sqft
Lot Size
5,227 sqft
Year Built
1957
Days on Market
105
Capital Outlay
$16,680
Debt Service
$370
Property Tax / Mo
$78
Insurance / Mo
$52
Property Description
You will love this adorable 3 bedroom 1 bath home, and it's perfect to add to your investment portfolio!! The screened in front porch welcomes you into a nice sized living room with hardwood flooring! This home also has a fenced in backyard and covered parking. Lots of cabinet space in the kitchen, roomy bedrooms and a nicely finished bathroom. This home sits in a culdesac and is a great opportunity to grab quick! Call to schedule your showing today!
Utility Allowances
heating
$93
Property data lists 'No Heat', which is assumed to be inaccurate for a residential home. Electric heating ('Elec Heat: Ala Power') was chosen as it is the most expensive option on the schedule.
cooling
$22
Property data lists 'No Air' and 'hasCooling: false', which is assumed to be inaccurate for a residential home. Standard electric A/C is assumed, and the most expensive provider ('A/C: Alabama Power') is selected.
cooking
$21
An electric stove appears in listing photos, but the fuel type is not explicitly stated. The most expensive electric provider ('Elec: Ala Power') is selected for the tenant-paid utility.
water_heating
$56
The fuel type for water heating is not specified. Electric is chosen to be consistent with other potential electric systems. The most expensive electric provider ('Elec: Ala Power') is selected.
other_electric
$68
This covers general electric use like lighting. The most expensive provider ('Lights, Ref, Etc.: Ala Power') is selected as the specific provider is unknown.
water
$129
Property is on public water. As the specific provider is not listed, the most expensive option from the schedule ('Water: Mulga') is selected.
sewer
$151
The property listing confirms it is connected to a public sewer system. The allowance is a fixed rate from the schedule.
trash_collection
$40
The property is located in the city of Fairfield, and the 'Fairfield Inside City Limits (ISCL)' option is selected from the schedule.
refrigerator
$8
The property listing does not state a refrigerator is provided (listing 'Appliances: None'), so it is assumed to be tenant-owned.
range_microwave
$6
The property listing does not state a microwave is provided, so it is assumed to be tenant-owned.
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$486
DP3 Annual Estimate$757
DP1 Monthly Equivalent$40
DP3 Monthly Equivalent$63
Replacement Value$48,700
Basis1,140 sqft / 1957
Nearby Houses
Photo unavailable
5301 Court G
for_sale · 0.01 mi
Price: $159,900
4 bd / 2 ba · 1,649 sqft
Latest sale: $40,000 on May 29, 2025
Latest rent: —
Photo unavailable
5300 Court G
sold · 0.04 mi
Price: $80,000
4 bd / 2 ba · 1,592 sqft
Latest sale: $80,000 on Oct 21, 2024
Latest rent: $1,295 on Dec 27, 2024
Photo unavailable
713 51st St
sold · 0.04 mi
Price: $120,000
2 bd / 1 ba · 875 sqft
Latest sale: $120,000 on Jul 27, 2023
Latest rent: $925 on Apr 10, 2024
Photo unavailable
5312 Court G
for_sale · 0.05 mi
Price: $83,900
2 bd / 2 ba · 1,248 sqft
Latest sale: $100 on May 10, 2023
Latest rent: —
Photo unavailable
5321 Court G
sold · 0.06 mi
Price: $22,500
1 bd / 2 ba · 1,272 sqft
Latest sale: $22,500 on Jan 10, 2024
Latest rent: —
Photo unavailable
721 51st St
sold · 0.06 mi
Price: $67,000
2 bd / 1 ba · 962 sqft
Latest sale: $67,000 on Nov 17, 2025
Latest rent: $995 on May 09, 2024
Photo unavailable
5305 Avenue H
sold · 0.06 mi
Price: $35,000
3 bd / 1 ba · 1,190 sqft
Latest sale: $35,000 on Apr 22, 2021
Latest rent: —
Photo unavailable
5102 Court H
sold · 0.06 mi
Price: $90,000
4 bd / 2 ba · 2,005 sqft
Latest sale: $90,000 on Nov 05, 2021
Latest rent: —
Photo unavailable
5106 Court H
sold · 0.08 mi
Price: $70,061
3 bd / 1 ba · 911 sqft
Latest sale: $70,061 on Feb 08, 2024
Latest rent: $1,350 on Jul 21, 2024
Photo unavailable
5407 Court G
sold · 0.08 mi
Price: $16,500
2 bd / 1 ba · 756 sqft
Latest sale: $16,500 on Jan 10, 2023
Latest rent: —
Photo unavailable
5304 Court H
sold · 0.08 mi
Price: $107,000
3 bd / 2 ba · 1,120 sqft
Latest sale: $107,000 on Jul 31, 2021
Latest rent: —
Photo unavailable
5401 Myron Massey Blvd
for_sale · 0.09 mi
Price: $109,900
4 bd / 2 ba · 1,392 sqft
Latest sale: $80,000 on Jan 08, 2025
Latest rent: $1,300 on Jan 09, 2026
Photo unavailable
4932 Court H
sold · 0.09 mi
Price: $126,000
3 bd / 2 ba · 1,237 sqft
Latest sale: $126,000 on Jun 23, 2023
Latest rent: $1,350 on Aug 31, 2023
Photo unavailable
5407 Myron Massey Blvd
sold · 0.10 mi
Price: $65,700
3 bd / 2 ba · 2,024 sqft
Latest sale: $65,700 on Apr 07, 2020
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE failure if absent).
- GFCI protection at kitchen sink not evident (possible code deficiency).
- Ceiling seams/staining visible in multiple rooms — indicates prior water intrusion requiring investigation.
- Major mechanical items (HVAC unit, water heater, electrical panel) are not shown/verified in photos — must be confirmed operational.
- Property built 1957 — potential lead-based paint risk must be addressed per HUD rules if disturbed during repairs.
Assumptions
- Photos are representative of entire property; unseen areas (attic, crawlspace, roof, mechanical closet) are not showing active severe defects.
- Central HVAC exists (inferred from visible floor registers) but equipment condition and operation are unverified.
- No stove or refrigerator are shown in photos; assume appliances may not be provided and will need to be supplied or confirmed.
- Electrical panel, water heater and furnace/AC equipment are present but not photographed; their condition is unknown.
- Windows in bedrooms meet egress size standards based on visible double-hung sashes; exact dimensions not verified.
- No active roof leak is occurring now; ceiling seams/stains indicate prior or minor intrusion that requires inspection.
- Because house was built in 1957, assume potential for lead-based paint hazards on exterior/interior surfaces unless tested/abated.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $911 | $60,200 | $12,040 |
| 2023 | $911 | $61,200 | $12,240 |
| 2022 | $755 | $50,700 | $10,140 |
| 2021 | $755 | $50,700 | $10,140 |
| 2020 | $755 | $50,700 | $10,140 |
| 2019 | $755 | $50,700 | $10,140 |
| 2018 | $645 | $43,300 | $8,660 |
| 2017 | $645 | $43,300 | $8,660 |
| 2016 | $645 | $43,300 | $8,660 |
| 2013 | $651 | $42,700 | $8,540 |
| 2012 | $651 | $42,680 | $8,536 |
| 2011 | $660 | $43,300 | $8,660 |
| 2009 | $599 | $39,200 | $7,840 |
| 2008 | $612 | $40,100 | $8,020 |
| 2007 | $585 | $38,300 | $7,660 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-10-28 | Sold | $66,500 |
| 2021-09-22 | Sold | $37,596 |
| 2019-08-12 | Sold | $37,000 |
| 2011-09-21 | Sold | $41,600 |
| 2011-03-21 | Sold | $24,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-01-09 | Listed for rent | $999 | — |
| 2025-09-12 | Listed for rent | $1,100 | — |
| 2025-07-30 | Listed for rent | $1,100 | — |
| 2025-05-30 | Listed for rent | $1,100 | — |
| 2025-05-28 | Listed for rent | $1,100 | — |
| 2023-02-07 | Listed for rent | $1,200 | — |
| 2020-11-13 | Listed for rent | $750 | — |
Photo Gallery
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"https://ap.rdcpix.com/f659d9545d3d916454d6854818fa9e97l-m2703781728s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 51.79,
"monthly_cash_flow": 761.01,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property data lists 'No Heat', which is assumed to be inaccurate for a residential home. Electric heating ('Elec Heat: Ala Power') was chosen as it is the most expensive option on the schedule.",
"utility": "heating",
"allowance": 93
},
{
"note": "Property data lists 'No Air' and 'hasCooling: false', which is assumed to be inaccurate for a residential home. Standard electric A/C is assumed, and the most expensive provider ('A/C: Alabama Power') is selected.",
"utility": "cooling",
"allowance": 22
},
{
"note": "An electric stove appears in listing photos, but the fuel type is not explicitly stated. The most expensive electric provider ('Elec: Ala Power') is selected for the tenant-paid utility.",
"utility": "cooking",
"allowance": 21
},
{
"note": "The fuel type for water heating is not specified. Electric is chosen to be consistent with other potential electric systems. The most expensive electric provider ('Elec: Ala Power') is selected.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "This covers general electric use like lighting. The most expensive provider ('Lights, Ref, Etc.: Ala Power') is selected as the specific provider is unknown.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property is on public water. As the specific provider is not listed, the most expensive option from the schedule ('Water: Mulga') is selected.",
"utility": "water",
"allowance": 129
},
{
"note": "The property listing confirms it is connected to a public sewer system. The allowance is a fixed rate from the schedule.",
"utility": "sewer",
"allowance": 151
},
{
"note": "The property is located in the city of Fairfield, and the 'Fairfield Inside City Limits (ISCL)' option is selected from the schedule.",
"utility": "trash_collection",
"allowance": 40
},
{
"note": "The property listing does not state a refrigerator is provided (listing 'Appliances: None'), so it is assumed to be tenant-owned.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "The property listing does not state a microwave is provided, so it is assumed to be tenant-owned.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.66,
"down_payment_amount": 13900.0,
"property_tax_annual": 938.33,
"property_tax_monthly": 78.19,
"property_tax_increase": 0.03,
"utility_allowance_total": 594.0,
"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": 4693.27,
"property_management_monthly": 99.0,
"monthly_cash_flow_after_debt": 391.11,
"cash_on_cash_return_after_debt": 0.34
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3-bed, 1-bath single family appears in generally good, mostly cosmetic condition and would likely pass an initial HCV (NSPIRE) inspection after completing a short punch list: verify/repair any ceiling/water intrusion issues, install/verify smoke and CO detectors, ensure GFCI protection at kitchen/bath, confirm HVAC and hot water operation, and supply or install kitchen appliances if required by lease. Time-to-rent: likely within 1-4 weeks pending verification of mechanicals and installation of detectors/GFCI.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior photos show generally sound finishes: hardwood floors in bedrooms/living, new-looking LVP in kitchen and bath, intact cabinets and painted walls. Minor cosmetic issues visible (ceiling seam lines, patched paint areas). No obvious collapsed ceilings, severe floor damage or missing structural finishes. Kitchen range/stove and refrigerator are not pictured; missing appliances will reduce rent-readiness slightly but are capital items. Overall needs cosmetic touch-ups, possible small ceiling repair and installation/cleanup of appliances."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE code risk",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (likely required). Electrical outlet covers are present in most photos but GFCI protection at sink is not evident. Windows in bedrooms appear to provide egress. Front porch has railings. No visible exposed wiring, major mold, or active standing water. Ceiling seam/stain suggests prior water intrusion that needs verification. Recommendation: install/verify smoke detectors on each level and in sleeping areas, verify/replace GFCI in kitchen/bath, confirm hot water and plumbing operation before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC/electrical/plumbing/roof)",
"score": 60.0,
"rationale": "Floor registers are visible indicating a central HVAC distribution system, but no HVAC equipment, thermostat, water heater or electrical panel is shown. Roof is only partially visible from front and appears even, but age of build (1957) raises likelihood of older systems. Plumbing fixtures in kitchen and bath are present and appear intact. Mechanical systems could be operational but require verification and likely basic service (filter, safety checks)."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 80.0,
"rationale": "Exterior siding/paint and foundation visible from photos appear intact; screened front porch and stairs with railings are present. Driveway and covered parking exist; fenced backyard and shed provided. Yard has some overgrowth but no visible standing water or major erosion. Mature tree near rear should be evaluated for canopy/root issues but does not present an immediate visible hazard."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE failure if absent).",
"GFCI protection at kitchen sink not evident (possible code deficiency).",
"Ceiling seams/staining visible in multiple rooms — indicates prior water intrusion requiring investigation.",
"Major mechanical items (HVAC unit, water heater, electrical panel) are not shown/verified in photos — must be confirmed operational.",
"Property built 1957 — potential lead-based paint risk must be addressed per HUD rules if disturbed during repairs."
],
"confidence": 0.7,
"assumptions": [
"Photos are representative of entire property; unseen areas (attic, crawlspace, roof, mechanical closet) are not showing active severe defects.",
"Central HVAC exists (inferred from visible floor registers) but equipment condition and operation are unverified.",
"No stove or refrigerator are shown in photos; assume appliances may not be provided and will need to be supplied or confirmed.",
"Electrical panel, water heater and furnace/AC equipment are present but not photographed; their condition is unknown.",
"Windows in bedrooms meet egress size standards based on visible double-hung sashes; exact dimensions not verified.",
"No active roof leak is occurring now; ceiling seams/stains indicate prior or minor intrusion that requires inspection.",
"Because house was built in 1957, assume potential for lead-based paint hazards on exterior/interior surfaces unless tested/abated."
],
"overall_score": 70.0,
"rubric_version": "nsprite-v1.0-2026-02"
},
{
"summary": "This 3BR/1BA single-family appears largely turn-key with mostly cosmetic issues and a few inspection/verification items. Interior finishes are serviceable (older but intact cabinetry, good floors, functional bathroom). The largest NSPIRE risks are missing/uncertain smoke & CO alarms and lack of visible GFCI outlets/verified electrical panel and HVAC/water heater operation. No major structural, roof, or water-intrusion damage is visible. With simple fixes (install alarms, verify/repair HVAC and water heater if needed, install GFCIs where required, supply stove/fridge) it is likely to pass an HCV initial inspection within 30 days. Rental history is recent which supports operational readiness.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show generally sound finishes: hardwood floors in bedrooms, new-looking LVP in kitchen/bath, intact cabinetry and counters. Cosmetic patching and paint touch-ups are visible on multiple walls and ceiling seams; cabinets are dated and may need refinishing. No major interior structural damage visible. Kitchen has no visible stove or refrigerator in photos (missing appliances reduce score moderately). Overall represents mostly cosmetic repairs and light finish work to be tenant-ready."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No visible smoke detectors or CO alarms in photos (NSPIRE requires alarms in sleeping areas/hallways). Windows in bedrooms look operable and provide egress. No exposed wiring or obvious electrical hazards seen; outlets present but no GFCI outlets visibly identified in kitchen/bath photos. Bathroom has window (vents) but no visible exhaust fan. Entry door hardware and deadbolt not shown. No evidence of active leaks, standing water, collapsed ceilings, or severe mold in photos. Missing/uncertain alarms and GFCI locations are the main inspection risks but are easy-to-fix items."
},
{
"key": "systems_mechanical",
"label": "Mechanical & Major Systems",
"score": 65.0,
"rationale": "Floor registers visible (suggests central HVAC) but no furnace/AC or water heater equipment is shown to confirm operational condition. Plumbing fixtures (sink, tub, toilet) are present; no visible leaks. Electrical panel not shown. Roof appears visually intact from front exterior image with no sagging, but full roof condition unknown. Given the age (1957) and lack of visible mechanicals, a conservative moderate score reflects likely usable systems but some uncertainty and potential service/verification required (heater/AC, hot water, electrical panel)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Front elevation shows intact siding, screened porch and awning, concrete drive strips and covered parking. Yard is fenced with a shed and mature tree; some grass/landscaping is overgrown but no major site drainage or erosion evident in photos. Foundation perimeter visible and appears intact with no obvious major cracking or settlement in provided images. Exterior is generally functional with minor yard clean-up and maintenance needed."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central forced-air HVAC is present because floor registers are visible; system operation is assumed but not confirmed.",
"Water heater and electrical panel exist on-site but are not pictured; their condition is unknown and assumed functional unless inspection reveals otherwise.",
"No active roof leaks are present; ceiling seam/crack visible is assumed cosmetic or minor settlement rather than active water damage.",
"Smoke and CO detectors are not visible in photos and are assumed absent or not up to current placement/operational requirements.",
"Kitchen appliances (stove/refrigerator) are not visible in photos and assumed not present; landlord will provide or tenant will bring per lease—missing appliances are treated as moderate, fixable items."
],
"overall_score": 77.0,
"rubric_version": "2026-NSPIRE-1.0"
},
{
"summary": "This 3BR/1BA single-family home appears mostly turnkey with cosmetic updates, intact finishes, and functioning fixtures visible in photos. The property likely can pass an initial HCV/NSPIRE inspection after a short checklist of confirmations and minor fixes (install/verify smoke & CO detectors, confirm GFCI outlets in kitchen/bath, confirm presence and operation of heating/AC and hot water, install/replace missing appliances if desired). The main risks are missing documented life-safety items and unverified mechanical systems; no major structural failures are evident in the photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior photos show generally sound, recently refreshed surfaces: hardwood floors in living/bedrooms, new-look LVP in kitchen/bath, intact cabinets and countertops. Minor defects: ceiling seam/crack lines visible in multiple rooms, some patchy paint on walls, small scuffs on trim and cabinet bases, front concrete walkway is cracked and lawn is overgrown. No evidence of collapsed finishes or exposed subfloor. Kitchen range/stove and refrigerator are not visible in photos (range hood present) — missing appliances reduce score moderately. Overall condition appears tidy and mostly cosmetic; typical turnkey with small repairs and touch-ups."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible exposed wiring, windows appear operable for egress, interior stairs/handrail (front steps) present, bathroom finishes and fixtures intact. However, there are no visible smoke detectors or carbon monoxide alarms in the photos (required), and no GFCI-type outlets are evident in the kitchen or bathroom pictures — both are common NSPIRE fail items. Electrical panel and grounding are not shown. No signs of active water intrusion, major mold, foundation failure, or collapsed ceilings in photos. Because smoke/CO detection and GFCI protection are not documented, there is a moderate compliance risk until confirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Floor registers are visible indicating forced-air HVAC ducting, suggesting central heating/AC likely present, and plumbing fixtures (kitchen sink, bathroom tub/sink/toilet) are installed and appear functional. Roof and exterior envelope look intact from front photo with no obvious sagging or large missing shingles, but roof age and water heater are not shown. No visible HVAC condenser, furnace, water heater or electrical panel in photos to confirm operational status. Given the age of the home (1957) and lack of photographed mechanical equipment, assign moderate score pending systems verification and tests (heat, AC, hot water, electrical)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and immediate property",
"score": 75.0,
"rationale": "Exterior shows a fenced backyard, an intact screened front porch and awning, covered parking/carport, concrete driveway, and a storage shed. Siding and foundation visible from front look generally sound with normal aging. Yard is a bit overgrown and the front walkway has cracking; vegetation around foundation should be trimmed. No visible standing water, major roof sag, or collapsed exterior elements in provided images. Overall exterior is serviceable with routine clean-up and small repairs."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos — potential NSPIRE fail if not installed/operational.",
"No evident GFCI protection in kitchen and bathroom photos — required in many inspections and potential fail.",
"Mechanical equipment (HVAC condenser/furnace and water heater) not shown — lack of visible heating/hot water equipment could be a major issue if systems are inoperative."
],
"confidence": 0.7,
"assumptions": [
"Utilities were on or recently on (hot water, heat/AC) given the recent rental history and floor registers visible, but mechanical units (furnace/condensing unit, water heater) were not photographed.",
"Range/stove and refrigerator are not pictured; they may be absent or simply not shown. Missing appliances reduce convenience/readiness but are not automatic safety failures.",
"Smoke detectors, CO alarms, electrical panel, GFCI outlets and HVAC/water-heater condition were not visible in the provided photos and must be verified on-site.",
"Roof is assumed to be serviceable (no visible large sag or missing sections in front elevation), though full roof condition cannot be confirmed from the single exterior image.",
"No evidence of active leaks, severe mold, foundation movement, or structural sagging was visible; absence in photos is not definitive."
],
"overall_score": 69.0,
"rubric_version": "nsPIRE-2024-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5219 Court G, Fairfield, AL, 35064",
"aggregate": {
"summary": "Overall this 3-bed, 1-bath single family appears in generally good, mostly cosmetic condition and would likely pass an initial HCV (NSPIRE) inspection after completing a short punch list: verify/repair any ceiling/water intrusion issues, install/verify smoke and CO detectors, ensure GFCI protection at kitchen/bath, confirm HVAC and hot water operation, and supply or install kitchen appliances if required by lease. Time-to-rent: likely within 1-4 weeks pending verification of mechanicals and installation of detectors/GFCI.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior photos show generally sound finishes: hardwood floors in bedrooms/living, new-looking LVP in kitchen and bath, intact cabinets and painted walls. Minor cosmetic issues visible (ceiling seam lines, patched paint areas). No obvious collapsed ceilings, severe floor damage or missing structural finishes. Kitchen range/stove and refrigerator are not pictured; missing appliances will reduce rent-readiness slightly but are capital items. Overall needs cosmetic touch-ups, possible small ceiling repair and installation/cleanup of appliances."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 78.3,
"rationale": "Exterior siding/paint and foundation visible from photos appear intact; screened front porch and stairs with railings are present. Driveway and covered parking exist; fenced backyard and shed provided. Yard has some overgrowth but no visible standing water or major erosion. Mature tree near rear should be evaluated for canopy/root issues but does not present an immediate visible hazard."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE code risk",
"score": 66.7,
"rationale": "No smoke detectors or CO alarms are visible in photos (likely required). Electrical outlet covers are present in most photos but GFCI protection at sink is not evident. Windows in bedrooms appear to provide egress. Front porch has railings. No visible exposed wiring, major mold, or active standing water. Ceiling seam/stain suggests prior water intrusion that needs verification. Recommendation: install/verify smoke detectors on each level and in sleeping areas, verify/replace GFCI in kitchen/bath, confirm hot water and plumbing operation before inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC/electrical/plumbing/roof)",
"score": 61.7,
"rationale": "Floor registers are visible indicating a central HVAC distribution system, but no HVAC equipment, thermostat, water heater or electrical panel is shown. Roof is only partially visible from front and appears even, but age of build (1957) raises likelihood of older systems. Plumbing fixtures in kitchen and bath are present and appear intact. Mechanical systems could be operational but require verification and likely basic service (filter, safety checks)."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE failure if absent).",
"GFCI protection at kitchen sink not evident (possible code deficiency).",
"Ceiling seams/staining visible in multiple rooms — indicates prior water intrusion requiring investigation.",
"Major mechanical items (HVAC unit, water heater, electrical panel) are not shown/verified in photos — must be confirmed operational.",
"Property built 1957 — potential lead-based paint risk must be addressed per HUD rules if disturbed during repairs."
],
"confidence": 0.82,
"assumptions": [
"Photos are representative of entire property; unseen areas (attic, crawlspace, roof, mechanical closet) are not showing active severe defects.",
"Central HVAC exists (inferred from visible floor registers) but equipment condition and operation are unverified.",
"No stove or refrigerator are shown in photos; assume appliances may not be provided and will need to be supplied or confirmed.",
"Electrical panel, water heater and furnace/AC equipment are present but not photographed; their condition is unknown.",
"Windows in bedrooms meet egress size standards based on visible double-hung sashes; exact dimensions not verified.",
"No active roof leak is occurring now; ceiling seams/stains indicate prior or minor intrusion that requires inspection.",
"Because house was built in 1957, assume potential for lead-based paint hazards on exterior/interior surfaces unless tested/abated."
],
"score_method": "mean_of_criteria",
"overall_score": 70.2,
"rubric_version": "nsprite-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7751888790"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.