Property ID: 7757237415
9208 Airport Rd, Birmingham, AL, 35217
Birmingham, AL
Money Down: $23,016
CoC Return: 21.25%
Monthly Cash Flow: $407
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,180
Closing Costs
$3,836
Total Down
$23,016
Investment Snapshot
Purchase Price
$95,900
Money Down
$23,016
Cash-on-Cash Return
21.25%
Rent
$1,137
Monthly Cash Flow
$407
Annual Cash Flow
$4,890
Debt Service / Mo
$510
Property Tax / Mo
$29
Insurance / Mo
$76
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,137
Payment Standard
$1,419
Rent
$1,137
Insurance
$76
Property Tax
$29
Management
$114
Utilities Allowance
$282
NOI (Monthly)
$918
Debt Service
$510
Cash Flow After Debt
$407
Quality Score: 67.20%
Confidence: 89.00%
This 3BR/1BA single-family appears structurally sound from exterior images with a well-maintained yard and intact brick envelope. Interior is livable but cosmetically worn; appliances are present though aged. The most likely Section 8/NSPIRE inspection issues are missing smoke/CO detectors, verification of GFCI protection in kitchen/bath, the small area of lifted flooring (trip hazard), and the need to confirm heating/cooling and hot water functionality. Addressing smoke/CO detectors, GFCI outlets (if missing), repairing the lifted flooring, and investigating the ceiling stain for active leakage should make the property likely to pass an initial Housing Choice Voucher inspection within 7–30 days.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$282
Guaranteed Section 8 Rent (PS - Utilities)
$1,137
Property Management
$114
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$95,900
Beds
3
Baths
1
Living Area
2,089 sqft
Lot Size
10,454 sqft
Year Built
1968
Days on Market
233
Capital Outlay
$23,016
Debt Service
$510
Property Tax / Mo
$29
Insurance / Mo
$76
Property Description
This beautiful corner lot home is the perfect starter home. It is sitting on a large corner lot and features 3 bedrooms, 1 bath, Plenty of entertainment space with the eat in kitchen, large sunroom on the main level and den in the basement. Schedule your appointment today.
Utility Allowances
Heating
$38
Property has central heat and other gas appliances (stove, water heater), indicating natural gas is the fuel. 'N'Gas: Spire' was selected as the most likely provider.
Cooking
$15
Property description explicitly lists 'Stove-Gas'. 'N'Gas: Spire' was selected as the most likely provider.
Water Heating
$35
Property description explicitly lists 'Gas (WTRHTR)'. 'N'Gas: Spire' was selected as the most likely provider.
Cooling
$22
Property has central air conditioning, which is electric. 'A/C: Alabama Power' was selected as the primary electric provider for the area.
Other Electric (Lights & Outlets)
$68
Allowance for general electric use. 'Lights, Ref, Etc.: Ala Power' was selected as the primary provider. The schedule title implies this includes a refrigerator.
Range / Microwave
$6
A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned per the rules.
Water
$78
Property uses 'Public Water'. 'Water: Birmingham' was selected from the schedule as the most appropriate option for the address.
Trash Collection
$20
Assumed for a single-family home. The 'Jefferson City (Once per week)' option was chosen as the most fitting general rate for the location.
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$757
DP3 Annual Estimate$1,072
DP1 Monthly Equivalent$63
DP3 Monthly Equivalent$89
Replacement Value$98,700
Basis2,089 sqft / 1968
Nearby Houses
Photo unavailable
1709 Gaston Cir
sold · 0.02 mi
Price: $67,500
3 bd / 2 ba · 1,380 sqft
Latest sale: $67,500 on Jan 10, 2024
Latest rent: —
Photo unavailable
1724 Gaston Cir
sold · 0.05 mi
Price: $149,900
3 bd / 2 ba · 2,124 sqft
Latest sale: $149,900 on Mar 27, 2023
Latest rent: —
Photo unavailable
1649 91st St N
sold · 0.10 mi
Price: $28,500
2 bd / 1 ba · 588 sqft
Latest sale: $28,500 on Aug 21, 2025
Latest rent: —
Photo unavailable
1701 Tarrant Huffman Rd
sold · 0.10 mi
Price: $150,000
3 bd / 1 ba · 1,008 sqft
Latest sale: $150,000 on Jan 23, 2023
Latest rent: —
Photo unavailable
1745 Fairview St
sold · 0.11 mi
Price: $65,000
4 bd / 2 ba · 1,950 sqft
Latest sale: $65,000 on Aug 14, 2020
Latest rent: —
Photo unavailable
9284 Harris Rd
sold · 0.11 mi
Price: $140,000
4 bd / 3 ba · 4,110 sqft
Latest sale: $140,000 on Nov 15, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide detectors (required)
- Ceiling staining near dining fixture — possible past/active water intrusion to investigate
- Lifted/worn flooring in main living area creating a trip hazard
- Unknown location/condition of electrical panel and water heater (not shown)
Assumptions
- No smoke or CO detectors are present because none are visible in interior photos; none were documented in listing.
- Window AC and a small wall heater are the primary cooling/heating visible; central HVAC may be absent or not shown.
- Water heater and electrical service/panel location are not shown; assume condition unknown and require inspection.
- Ceiling discoloration in dining area indicates past or potential water intrusion that needs verification; no active leak was photographed.
- Bedrooms have at least one adequate egress window each based on visible bedroom photos.
- Appliances shown (range, refrigerator) are present but their operational status is unverified from photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $340 | $110,100 | $8,280 |
| 2023 | $340 | $110,100 | $8,280 |
| 2022 | $340 | $82,700 | $8,280 |
| 2015 | $328 | $81,000 | $8,100 |
| 2010 | $317 | $80,700 | $8,070 |
| 2009 | $462 | $80,700 | $8,070 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1977-06-24 | Sold | $5,000 |
Photo Gallery
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{
"note": "Property description explicitly lists 'Stove-Gas'. 'N'Gas: Spire' was selected as the most likely provider.",
"utility": "Cooking",
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{
"note": "Property description explicitly lists 'Gas (WTRHTR)'. 'N'Gas: Spire' was selected as the most likely provider.",
"utility": "Water Heating",
"allowance": 35
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{
"note": "Property has central air conditioning, which is electric. 'A/C: Alabama Power' was selected as the primary electric provider for the area.",
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"allowance": 22
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{
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{
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{
"summary": "This 3BR/1BA single-family appears structurally sound from exterior images with a well-maintained yard and intact brick envelope. Interior is livable but cosmetically worn; appliances are present though aged. The most likely Section 8/NSPIRE inspection issues are missing smoke/CO detectors, verification of GFCI protection in kitchen/bath, the small area of lifted flooring (trip hazard), and the need to confirm heating/cooling and hot water functionality. Addressing smoke/CO detectors, GFCI outlets (if missing), repairing the lifted flooring, and investigating the ceiling stain for active leakage should make the property likely to pass an initial Housing Choice Voucher inspection within 7–30 days.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior is largely intact and functional with cosmetically worn surfaces. Kitchen appliances (range, refrigerator) and cabinetry are present though aged; countertops and sink appear serviceable. Flooring is mostly solid hardwood/laminate but there are visible areas of wear and a patch of lifting/abrasion in the main living area that should be repaired to remove trip hazard. Walls and trim show scuffs and paint wear; blinds and minor fixtures need replacement. Overall repair needs are cosmetic and typical of a 1968 house—no evidence of widespread structural failure in the photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in any photos — these are required and must be installed/verified. Bedroom windows appear to provide egress. Entry door has a deadbolt visible. Exterior stair railing is present. No obvious exposed live wiring is visible, but some window AC and appliance cords are routed along walls. There are ceiling discoloration/stain marks near a dining light which could indicate past or current water intrusion and should be investigated. GFCI outlets in kitchen/bath not visible in photos; verify and install if missing. Plumbing fixtures appear intact but hot water source not shown. Overall moderate safety risk until detectors, GFCI, and leak history verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof shingles and gutters look reasonably intact from exterior photos with no obvious sagging or large missing areas. No centralized HVAC equipment is visible in photos; cooling appears to be by window unit and heating by a wall heater in the living area — both can be acceptable if operational and safe but should be tested. Water heater and electrical panel are not shown so condition is unknown and must be inspected. Kitchen plumbing and range appear present; range is gas (gas supply should be verified and tested). Because critical system locations/conditions are not shown, score reflects moderate uncertainty and the need for functional testing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Exterior brick veneer appears solid and well-maintained; yard is maintained and drainage grade appears to slope away from the front. Front steps and exterior handrail exist and appear serviceable. Gutters and downspouts are visible. Driveway/parking to the side and lower-level garage/door are present. No major foundation cracks, collapsed features, or standing water visible in the provided exterior photos. Overall exterior/site condition is good with routine maintenance likely."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors (required)",
"Ceiling staining near dining fixture — possible past/active water intrusion to investigate",
"Lifted/worn flooring in main living area creating a trip hazard",
"Unknown location/condition of electrical panel and water heater (not shown)"
],
"confidence": 0.75,
"assumptions": [
"No smoke or CO detectors are present because none are visible in interior photos; none were documented in listing.",
"Window AC and a small wall heater are the primary cooling/heating visible; central HVAC may be absent or not shown.",
"Water heater and electrical service/panel location are not shown; assume condition unknown and require inspection.",
"Ceiling discoloration in dining area indicates past or potential water intrusion that needs verification; no active leak was photographed.",
"Bedrooms have at least one adequate egress window each based on visible bedroom photos.",
"Appliances shown (range, refrigerator) are present but their operational status is unverified from photos."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1-bath brick home appears structurally sound and mostly rent-ready after modest repairs. Major items to address before an initial HCV/NSPIRE inspection: install/verify functioning smoke detectors (and CO alarms if required), install GFCI protection in kitchen/bath, repair/replace damaged living-room flooring to remove trip hazards, confirm heating, cooling and hot-water systems are operational (or repair/replace as needed), and address the small wall heater/wiring and any noncompliant window bars. Cosmetic work (paint, trim, appliances replacement) will speed tenant-ready status. With these repairs the property is likely to pass; current visible safety/code gaps make it a moderate inspection risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows mostly serviceable finishes but moderate deferred maintenance. Visible issues: damaged/wrinkled parquet flooring in main living area (trip/wear), scuffed/marked walls and trim, peeling wallpaper, older kitchen finishes and cabinetry, stained/older ceiling at dining (possible past leak), and an older, dirty refrigerator and range. These are mostly cosmetic or appliance replacements/repairs that are straightforward (painting, trim, floor patch/replace, appliance replacement). No widespread collapsed finishes observed."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "Several potential NSPIRE safety risks visible or not documented: no smoke detectors or CO alarms visible in photos (required), probable lack of GFCI protection at kitchen sink (no GFCI outlets observed), a small unboxed/portable wall heater near entry that may be an unvented/unsafe unit, cords and appliances mounted near wet areas (cord visible near sink under cabinet), and decorative security bars on front windows that could impede egress unless quick-release hardware is provided. Bedrooms appear to have windows but egress sizing cannot be fully verified from photos. Entry door appears to have a deadbolt. Because smoke detectors and GFCI are not visible, this raises high inspection risk — these items are commonly required to pass initial HCV/NSPIRE inspections."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Exterior roofing and gutters appear intact, no obvious active roof failure. Floor vents visible in rooms suggest a central forced-air system is present, but no HVAC equipment, furnace, water heater, or electrical panel is shown for condition verification. Window AC and a wall heater are present as supplemental equipment. Plumbing fixtures (kitchen sink) present; hot water not verified. Electrical panel and service condition unknown. Given the mixed evidence (vents but no visible equipment) and the age of the house (1968), allow moderate risk — systems may be functional but need verification and basic service (HVAC test, water heater check, electrical panel and GFCI installation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior brick envelope appears sound with even roofline and intact shingles and gutters; lot slopes away from the house and yard is maintained. Porch steps and railings are present and appear serviceable; there is a driveway/garage access on lower level. No visible standing water, major foundation cracks, or exterior structural sagging in provided images. Landscaping is tidy. Decorative window security bars exist on front-facing windows (noted under safety)."
}
],
"red_flags": [
"No visible smoke detectors (required) — high fail risk.",
"No visible GFCI outlets at kitchen sink area — likely required for pass.",
"Portable / wall heater and visible cords near living-area/entry may represent electrical/fire hazard.",
"Parquet flooring in living area is buckled/missing in spots — trip hazard and potential inspection concern.",
"Window security bars on front windows could impede emergency egress if not quick-release."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or carbon monoxide alarms are present because none are visible in the interior photos.",
"Central HVAC is present (floor vents observed) but condition and functionality are unverified because equipment (furnace/AC condenser) and service records were not provided.",
"Water heater and electrical service/panel are present but their condition is unknown due to lack of photos; assumed functional unless inspection shows otherwise.",
"Kitchen and bathroom GFCI protection is likely missing or not visible; assume GFCI upgrades will be required.",
"Window security bars on front windows are fixed/decorative; it's unknown if they have egress quick-release hardware — assume they do not.",
"Dining room ceiling stain is from a prior leak but there is no evidence of active water intrusion in provided images."
],
"overall_score": 65.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "This 1968 single-family home shows a structurally sound exterior and largely intact interior finishes but has a handful of moderate inspection risks. Primary concerns for an initial HCV/NSPIRE inspection are absence/not-visible smoke and CO detectors, possible inadequate bedroom egress (narrow windows), localized ceiling staining (possible leak) and areas of damaged flooring. Major systems (HVAC, electrical panel, water heater) are not documented in the photos and should be verified and serviced. With targeted quick repairs — install/verify smoke & CO alarms, repair/secure lifted flooring, confirm egress, address any active leak and service HVAC/electrical — the property appears likely to pass after 1–4 weeks of work. Overall readiness: minor-to-moderate repairs required but no obvious life-safety catastrophic failures visible in the images.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows generally intact finishes but visible deferred cosmetic repairs: worn and patched flooring (parquet) with at least one area of lifting/ damage (trip risk), scuffed/marked walls, peeling wallpaper/trim in places, missing or damaged blinds/curtain rods, and older kitchen finishes. Major appliances (range and refrigerator) are present but appear aged and cosmetically worn. These are largely cosmetic and moderate items that can be corrected with 1–3 weeks of work (floor repair/refinish, paint, fixture and blind replacement, appliance servicing or replacement). No widespread structural collapse or severe interior destruction visible."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "Visible safety items raise moderate inspection risk. No smoke detectors or carbon-monoxide alarms are visible in the provided photos (likely required and would fail inspection if absent). Some windows are narrow (tall, thin windows seen in living area) — bedroom egress sizing cannot be confirmed and could be a fail if not code-compliant. There is a ceiling discoloration above a dining fixture suggestive of a past or active leak that requires investigation. No obvious exposed electrical wiring, missing guardrails or collapsed ceilings seen. Handrails on the exterior ramp and basement stairs appear present. Because smoke/CO, egress compliance and leak status are unknown but likely require attention, this category is rated moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Roof and exterior envelope appear in serviceable condition from exterior photos (shingles look intact). Interior shows ceiling vents and a wall A/C unit; central HVAC presence is suggested by floor vent but actual system condition/age not documented. Gas range and plumbing fixtures are present; no visible active water intrusion except ceiling staining. Electrical panel and water heater are not shown; therefore system operability (heat, hot water, electrical panel clearances) is unconfirmed. Given the age of the home (1968), expect at minimum service/inspection of HVAC, electrical panel and plumbing; these represent moderate risk but no direct evidence of catastrophic failure in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior brick, gutters and roofline appear intact with a well-maintained lawn and no obvious foundation displacement visible from the photos. Driveway/garage access and exterior stairs/railings look present and functional. Landscaping is maintained; no standing water or heavy site erosion visible. Security bars on windows are present which can be acceptable if they do not impede emergency egress (egress compliance remains an outstanding confirmation item)."
}
],
"red_flags": [
"Possible active or recent ceiling leak (visible staining above dining fixture) — investigate for active roof or plumbing leak.",
"No visible smoke detectors or carbon monoxide alarms in photos — absence would be an automatic NSPIRE/HCV fail.",
"Unclear/possibly non-compliant bedroom egress (narrow vertical windows visible) — egress must be measured/confirmed.",
"Localized damaged/lifting floor (parquet) creating a trip hazard — repair required prior to inspection.",
"House built 1968 — potential lead-based paint risk if any peeling paint areas are present; pre-1978 property requires screening/mitigation where applicable."
],
"confidence": 0.65,
"assumptions": [
"Photos are recent and represent current condition of the home interior and exterior.",
"Utilities (water, gas, electricity) are or will be capable of being turned on for inspection; operability of HVAC and water heater are not shown and must be confirmed.",
"Appliances shown (gas range, refrigerator) are present at move-in; the refrigerator and range are older and may need servicing but are not inherently failed based on photos.",
"No smoke detectors or carbon-monoxide detectors are installed or they are not visible in the provided photos (will need placement if absent).",
"Bedrooms require code-compliant egress windows; egress sizing cannot be confirmed from photos and may require measurement or window replacement if noncompliant.",
"No obvious active mold or structural collapse is visible; however ceiling staining indicates a possible current or prior leak that should be inspected.",
"Exterior security bars are present but assumed to either be compliant with emergency-release requirements or will need modification if they impede egress."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "9208 Airport Rd, Birmingham, AL, 35217",
"aggregate": {
"summary": "This 3BR/1BA single-family appears structurally sound from exterior images with a well-maintained yard and intact brick envelope. Interior is livable but cosmetically worn; appliances are present though aged. The most likely Section 8/NSPIRE inspection issues are missing smoke/CO detectors, verification of GFCI protection in kitchen/bath, the small area of lifted flooring (trip hazard), and the need to confirm heating/cooling and hot water functionality. Addressing smoke/CO detectors, GFCI outlets (if missing), repairing the lifted flooring, and investigating the ceiling stain for active leakage should make the property likely to pass an initial Housing Choice Voucher inspection within 7–30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior is largely intact and functional with cosmetically worn surfaces. Kitchen appliances (range, refrigerator) and cabinetry are present though aged; countertops and sink appear serviceable. Flooring is mostly solid hardwood/laminate but there are visible areas of wear and a patch of lifting/abrasion in the main living area that should be repaired to remove trip hazard. Walls and trim show scuffs and paint wear; blinds and minor fixtures need replacement. Overall repair needs are cosmetic and typical of a 1968 house—no evidence of widespread structural failure in the photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.3,
"rationale": "Exterior brick veneer appears solid and well-maintained; yard is maintained and drainage grade appears to slope away from the front. Front steps and exterior handrail exist and appear serviceable. Gutters and downspouts are visible. Driveway/parking to the side and lower-level garage/door are present. No major foundation cracks, collapsed features, or standing water visible in the provided exterior photos. Overall exterior/site condition is good with routine maintenance likely."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 58.3,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in any photos — these are required and must be installed/verified. Bedroom windows appear to provide egress. Entry door has a deadbolt visible. Exterior stair railing is present. No obvious exposed live wiring is visible, but some window AC and appliance cords are routed along walls. There are ceiling discoloration/stain marks near a dining light which could indicate past or current water intrusion and should be investigated. GFCI outlets in kitchen/bath not visible in photos; verify and install if missing. Plumbing fixtures appear intact but hot water source not shown. Overall moderate safety risk until detectors, GFCI, and leak history verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof shingles and gutters look reasonably intact from exterior photos with no obvious sagging or large missing areas. No centralized HVAC equipment is visible in photos; cooling appears to be by window unit and heating by a wall heater in the living area — both can be acceptable if operational and safe but should be tested. Water heater and electrical panel are not shown so condition is unknown and must be inspected. Kitchen plumbing and range appear present; range is gas (gas supply should be verified and tested). Because critical system locations/conditions are not shown, score reflects moderate uncertainty and the need for functional testing."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors (required)",
"Ceiling staining near dining fixture — possible past/active water intrusion to investigate",
"Lifted/worn flooring in main living area creating a trip hazard",
"Unknown location/condition of electrical panel and water heater (not shown)"
],
"confidence": 0.89,
"assumptions": [
"No smoke or CO detectors are present because none are visible in interior photos; none were documented in listing.",
"Window AC and a small wall heater are the primary cooling/heating visible; central HVAC may be absent or not shown.",
"Water heater and electrical service/panel location are not shown; assume condition unknown and require inspection.",
"Ceiling discoloration in dining area indicates past or potential water intrusion that needs verification; no active leak was photographed.",
"Bedrooms have at least one adequate egress window each based on visible bedroom photos.",
"Appliances shown (range, refrigerator) are present but their operational status is unverified from photos."
],
"score_method": "mean_of_criteria",
"overall_score": 67.2,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7757237415"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.