Property ID: 7788936211
1321 2nd Ave, Fultondale, AL, 35068
Fultondale, AL
Money Down: $31,176
CoC Return: 11.35%
Monthly Cash Flow: $295
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,980
Closing Costs
$5,196
Total Down
$31,176
Investment Snapshot
Purchase Price
$129,900
Money Down
$31,176
Cash-on-Cash Return
11.35%
Rent
$1,247
Monthly Cash Flow
$295
Annual Cash Flow
$3,537
Debt Service / Mo
$691
Property Tax / Mo
$74
Insurance / Mo
$62
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,247
Payment Standard
$1,760
Rent
$1,247
Insurance
$62
Property Tax
$74
Management
$125
Utilities Allowance
$513
NOI (Monthly)
$986
Debt Service
$691
Cash Flow After Debt
$295
Quality Score: 74.60%
Confidence: 89.00%
Mostly turnkey single-family home with fresh interior finishes and intact exterior envelope. Primary issues for NSPIRE readiness are documentation/verification items (smoke/CO detectors, GFCI protection, functional appliances not pictured, and confirmation of HVAC/water heater operation). No visible structural or life‑safety failures in photos. Likely rent-ready with minor fixes and verification within 1–4 weeks.
Section 8 Payment Standard
$1,760
Utility Allowance Total
$513
Guaranteed Section 8 Rent (PS - Utilities)
$1,247
Property Management
$125
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,900
Beds
3
Baths
1
Living Area
1,508 sqft
Lot Size
10,454 sqft
Year Built
1945
Days on Market
61
Capital Outlay
$31,176
Debt Service
$691
Property Tax / Mo
$74
Insurance / Mo
$62
Property Description
Charming 3-bedroom, 1-bath home located in Fultondale featuring a bright sunroom, formal dining room, and spacious living room. This inviting home offers a functional layout with multiple living areas, perfect for everyday living and entertaining. Conveniently situated with easy access to local amenities, shopping, and major roadways.
Utility Allowances
Cooking
$21
Property has an 'Electric Oven'. Selected 'Elec: Ala Power' as the most likely and representative electric provider.
Heating
$93
Property has 'Central' heating. Fuel type is not specified. Electric was chosen over natural gas as it is the more expensive option, per instructions.
Cooling
$22
Property has 'Central Air'. Selected 'A/C: Alabama Power' as the most likely electric provider.
Water Heating
$56
Water heater fuel type is not specified. Selected electric to be consistent with the heating fuel choice and as the more expensive option.
Other Electric
$68
For lights and other tenant-plugged-in appliances. Selected 'Ala Power' for consistency.
Water
$78
Property has 'Public Water'. Selected 'Water: Birmingham' as Fultondale is serviced by the Birmingham Water Works Board.
Sewer
$151
Property data lists sewer as 'Other' but also 'Public Water', implying a public connection. Using the fixed allowance for a 3-bedroom unit.
Trash Collection
$18
Selected 'Fultondale ISCL' as it directly corresponds to the property's city.
Refrigerator
$0
The property listing explicitly includes a Refrigerator, so the tenant does not bear this cost. Allowance is $0.
Range/Microwave
$6
The property includes an oven (range) but does not mention a microwave. This allowance is for the tenant-provided microwave.
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$601
DP3 Annual Estimate$889
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$74
Replacement Value$60,400
Basis1,508 sqft / 1945
Nearby Houses
Photo unavailable
1328 2nd Ave
sold · 0.05 mi
Price: $115,000
2 bd / 1 ba · 1,590 sqft
Latest sale: $115,000 on Apr 20, 2021
Latest rent: —
Photo unavailable
1401 3rd Ave
sold · 0.07 mi
Price: $165,000
3 bd / 1 ba · 1,282 sqft
Latest sale: $165,000 on Apr 15, 2022
Latest rent: —
Photo unavailable
1229 1st Ave
sold · 0.07 mi
Price: $210,000
4 bd / 2 ba · 1,203 sqft
Latest sale: $210,000 on Aug 26, 2024
Latest rent: —
Photo unavailable
1317 3rd Ave
sold · 0.07 mi
Price: $195,000
3 bd / 3 ba · 1,389 sqft
Latest sale: $195,000 on Nov 18, 2022
Latest rent: —
Photo unavailable
1232 2nd Ave
for_sale · 0.08 mi
Price: $178,900
3 bd / 1 ba · 1,302 sqft
Latest sale: $164,900 on Jan 29, 2024
Latest rent: —
Photo unavailable
1316 4th Ave
sold · 0.10 mi
Price: $142,000
2 bd / 1 ba · 720 sqft
Latest sale: $142,000 on Mar 07, 2024
Latest rent: —
Photo unavailable
1304 4th Ave Lot 1
sold · 0.12 mi
Price: $6,500
— bd / — ba
Latest sale: $6,500
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC exists and is operational (vent registers visible) but equipment (furnace/AC) was not photographed.
- Hot water heater and plumbing are functional; no interior plumbing photos were provided.
- Smoke and carbon monoxide detectors were not visible in photos; assume they may be missing or not shown and will need verification/installation if absent.
- Kitchen and bathroom appliances (stove, refrigerator) are not photographed; assumed possibly absent or to be provided—this is a capital/turnkey item only.
- Exterior steps without a visible handrail are 1–2 risers (handrail may not be required); if >3 risers a handrail will be required.
- No active roof leaks or major foundation movement are present based on lack of visual signs (stains, sagging, large cracks) in provided photos.
- GFCI protection in kitchen/bath could not be confirmed and will need verification during inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $863 | $78,400 | $15,680 |
| 2023 | $716 | $65,000 | $13,000 |
| 2022 | $571 | $51,900 | $10,380 |
| 2021 | $571 | $51,900 | $10,380 |
| 2020 | $571 | $51,900 | $10,380 |
| 2019 | $553 | $50,200 | $10,040 |
| 2018 | $619 | $56,200 | $11,240 |
| 2017 | $685 | $62,200 | $12,440 |
| 2016 | $685 | $62,200 | $12,440 |
| 2015 | $273 | $61,800 | $6,180 |
| 2013 | $269 | $61,000 | $6,100 |
| 2012 | $269 | $61,020 | $6,102 |
| 2011 | $264 | $60,000 | $6,000 |
| 2009 | $282 | $60,000 | $6,000 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-06-16 | Sold | $110,000 |
| 2017-09-18 | Sold | $55,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-03-14 | Listed for rent | $1,300 | — |
| 2022-12-01 | Listed for rent | $1,275 | — |
Photo Gallery
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"total": 50200,
"building": 32200
},
"assessment": {
"land": null,
"total": 10040,
"building": null
}
},
{
"tax": 619,
"year": 2018,
"market": {
"land": 18000,
"total": 56200,
"building": 38200
},
"assessment": {
"land": null,
"total": 11240,
"building": null
}
},
{
"tax": 685,
"year": 2017,
"market": {
"land": 16400,
"total": 62200,
"building": 45800
},
"assessment": {
"land": null,
"total": 12440,
"building": null
}
},
{
"tax": 685,
"year": 2016,
"market": {
"land": 16400,
"total": 62200,
"building": 45800
},
"assessment": {
"land": null,
"total": 12440,
"building": null
}
},
{
"tax": 273,
"year": 2015,
"market": {
"land": 16400,
"total": 61800,
"building": 45400
},
"assessment": {
"land": null,
"total": 6180,
"building": null
}
},
{
"tax": 269,
"year": 2013,
"market": {
"land": 16400,
"total": 61000,
"building": 44600
},
"assessment": {
"land": null,
"total": 6100,
"building": null
}
},
{
"tax": 269,
"year": 2012,
"market": {
"land": 16420,
"total": 61020,
"building": 44600
},
"assessment": {
"land": 1642,
"total": 6102,
"building": 4460
}
},
{
"tax": 264,
"year": 2011,
"market": {
"land": 17000,
"total": 60000,
"building": 43000
},
"assessment": {
"land": 1700,
"total": 6000,
"building": 4300
}
},
{
"tax": 282,
"year": 2009,
"market": {
"land": 17000,
"total": 60000,
"building": 43000
},
"assessment": {
"land": 1700,
"total": 6000,
"building": 4300
}
}
],
"property_history": [
{
"date": "2026-01-30",
"price": 129900,
"listing": {
"status": "for_sale",
"list_date": "2025-12-17T14:13:32Z",
"list_price": 129900,
"listing_id": "2989515283",
"last_update_date": "2026-02-16T01:52:07Z",
"last_status_change_date": "2025-12-17T14:13:32Z"
},
"event_name": "Price Changed",
"price_sqft": 86.14058355437666,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "21438974",
"price_change_percentage": null
},
{
"date": "2026-01-22",
"price": 134900,
"listing": {
"status": "for_sale",
"list_date": "2025-12-17T14:13:32Z",
"list_price": 129900,
"listing_id": "2989515283",
"last_update_date": "2026-02-16T01:52:07Z",
"last_status_change_date": "2025-12-17T14:13:32Z"
},
"event_name": "Price Changed",
"price_sqft": 89.45623342175067,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "21438974",
"price_change_percentage": null
},
{
"date": "2025-12-17",
"price": 139900,
"listing": {
"status": "for_sale",
"list_date": "2025-12-17T14:13:32Z",
"list_price": 129900,
"listing_id": "2989515283",
"last_update_date": "2026-02-16T01:52:07Z",
"last_status_change_date": "2025-12-17T14:13:32Z"
},
"event_name": "Listed",
"price_sqft": 92.77188328912467,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21438974",
"price_change_percentage": "+27.18%"
},
{
"date": "2022-06-16",
"price": 110000,
"listing": null,
"event_name": "Sold",
"price_sqft": 72.94429708222812,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2017-09-18",
"price": 55000,
"listing": null,
"event_name": "Sold",
"price_sqft": 36.47214854111406,
"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": "7788936211",
"generated_at": "2026-02-16T02:00:06.897791Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 74.6
},
"utility_allowance": {
"zip_code": "35068",
"home_photo": "https://ap.rdcpix.com/8661928e99f743b92e7c4ea8c92e2a99l-m2948713734s-w1280.jpg",
"rent_price": 1247.0,
"loan_amount": 103920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1321-2nd-Ave_Fultondale_AL_35068_M77889-36211",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 129900.0,
"loan_term_years": 30,
"annual_cash_flow": 11833.71,
"mortgage_monthly": 691.38,
"payment_standard": 1760.0,
"total_amount_out": 25980.0,
"additional_photos": [
"https://ap.rdcpix.com/8661928e99f743b92e7c4ea8c92e2a99l-m3182221961s-w1280.jpg",
"https://ap.rdcpix.com/8661928e99f743b92e7c4ea8c92e2a99l-m106166148s-w1280.jpg",
"https://ap.rdcpix.com/8661928e99f743b92e7c4ea8c92e2a99l-m2306024594s-w1280.jpg",
"https://ap.rdcpix.com/8661928e99f743b92e7c4ea8c92e2a99l-m3579829973s-w1280.jpg",
"https://ap.rdcpix.com/8661928e99f743b92e7c4ea8c92e2a99l-m2308646334s-w1280.jpg",
"https://ap.rdcpix.com/8661928e99f743b92e7c4ea8c92e2a99l-m325720939s-w1280.jpg",
"https://ap.rdcpix.com/8661928e99f743b92e7c4ea8c92e2a99l-m1376829186s-w1280.jpg",
"https://ap.rdcpix.com/8661928e99f743b92e7c4ea8c92e2a99l-m2039932667s-w1280.jpg",
"https://ap.rdcpix.com/8661928e99f743b92e7c4ea8c92e2a99l-m3931112394s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 62.08,
"monthly_cash_flow": 986.14,
"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 has an 'Electric Oven'. Selected 'Elec: Ala Power' as the most likely and representative electric provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property has 'Central' heating. Fuel type is not specified. Electric was chosen over natural gas as it is the more expensive option, per instructions.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has 'Central Air'. Selected 'A/C: Alabama Power' as the most likely electric provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Water heater fuel type is not specified. Selected electric to be consistent with the heating fuel choice and as the more expensive option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "For lights and other tenant-plugged-in appliances. Selected 'Ala Power' for consistency.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has 'Public Water'. Selected 'Water: Birmingham' as Fultondale is serviced by the Birmingham Water Works Board.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property data lists sewer as 'Other' but also 'Public Water', implying a public connection. Using the fixed allowance for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Fultondale ISCL' as it directly corresponds to the property's city.",
"utility": "Trash Collection",
"allowance": 18
},
{
"note": "The property listing explicitly includes a Refrigerator, so the tenant does not bear this cost. Allowance is $0.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "The property includes an oven (range) but does not mention a microwave. This allowance is for the tenant-provided microwave.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.46,
"down_payment_amount": 25980.0,
"property_tax_annual": 888.89,
"property_tax_monthly": 74.07,
"property_tax_increase": 0.03,
"utility_allowance_total": 513.0,
"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": 3537.12,
"property_management_monthly": 124.7,
"monthly_cash_flow_after_debt": 294.76,
"cash_on_cash_return_after_debt": 0.14
},
"section8_assessment": {
"runs": [
{
"summary": "Mostly turnkey single-family home with fresh interior finishes and intact exterior envelope. Primary issues for NSPIRE readiness are documentation/verification items (smoke/CO detectors, GFCI protection, functional appliances not pictured, and confirmation of HVAC/water heater operation). No visible structural or life‑safety failures in photos. Likely rent-ready with minor fixes and verification within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show recent cosmetic work: fresh paint, new-looking flooring, clean trim and ceiling finishes. No visible drywall damage, sagging ceilings, or major stains. Minor exterior deferred maintenance: driveway oil stains and overgrown vegetation. Small exterior step at sunroom/side entry lacks a visible handrail but appears to be only one or two risers. Kitchen and bathroom fixtures/appliances are not shown — missing appliances would be an easy-to-fix capital item but are not visible in the photos. Overall condition indicates mostly cosmetic/finish work only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards (no collapsed ceilings, major water stains, exposed wiring, or visible structural sagging). Electrical panel is visible and intact in a bedroom photo. Entry door shows a deadbolt on the front exterior door. Large bedroom windows are present and likely provide egress. However, smoke and carbon monoxide detectors are not visible in any interior photos (required by NSPIRE); GFCI protection in kitchen/bath is not shown. Vegetation close to the structure increases pest/moisture risk. These unknowns reduce the safety score to a moderate risk level."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 70.0,
"rationale": "Vent registers are visible in ceilings and floors indicating central HVAC likely present; no visible evidence of an active heating deficiency. Roof shingles visible in exterior photos appear intact with no obvious sagging or active leak stains on interiors. Electrical panel is closed and present. Water heater, furnace/AC equipment and plumbing fixtures are not photographed so functionality is assumed but not confirmed. Given the age of the house (1945) but the evident recent interior rehab, systems are judged generally serviceable but unverified — moderate inspection risk."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Vinyl siding and foundation appear in good visual condition; crawlspace/foundation vents visible. Driveway is paved but has oil/stain spots; yard is somewhat overgrown with dense vegetation close to the house that could hide pests and impede drainage. A detached shed is present. Steps at side entries are small; one set has a handrail and the sunroom step lacks a visible handrail but riser count appears low. No visible standing water, major foundation cracking, or roof collapse in photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.72,
"assumptions": [
"Central HVAC exists and is operational (vent registers visible) but equipment (furnace/AC) was not photographed.",
"Hot water heater and plumbing are functional; no interior plumbing photos were provided.",
"Smoke and carbon monoxide detectors were not visible in photos; assume they may be missing or not shown and will need verification/installation if absent.",
"Kitchen and bathroom appliances (stove, refrigerator) are not photographed; assumed possibly absent or to be provided—this is a capital/turnkey item only.",
"Exterior steps without a visible handrail are 1–2 risers (handrail may not be required); if >3 risers a handrail will be required.",
"No active roof leaks or major foundation movement are present based on lack of visual signs (stains, sagging, large cracks) in provided photos.",
"GFCI protection in kitchen/bath could not be confirmed and will need verification during inspection."
],
"overall_score": 76.0,
"rubric_version": "2026-02-Section8-NSPIRE-v1"
},
{
"summary": "Property appears largely turnkey for a Housing Choice Voucher inspection with cosmetic updates, intact structure, visible HVAC registers and electrical panel, and no obvious life‑threatening hazards in photos. Primary inspection risks to confirm: presence/function of smoke and CO detectors, GFCI in kitchen/bath, operational HVAC and hot water, and any required labeling on the electrical panel. Minor site cleanup, verification of appliances (if landlord provides), and a few small code items likely required before final pass. With verification and small fixes this should pass an initial NSPIRE/HCV inspection within 1–2 weeks to 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show recent cosmetic updates (paint, trim, new-looking flooring and carpet) and generally intact surfaces. No visible water stains, damaged drywall, or collapsed ceilings. Minor exterior concrete staining, some overgrown vegetation, and a few threshold/step wear areas are present. Appliances are not shown; missing appliances would be a moderate, not fatal, deficiency. Overall condition suggests only minor repairs and cleaning are required prior to move-in."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 75.0,
"rationale": "No obvious life-threatening hazards visible: ceilings intact, windows present in bedrooms (likely egress), no exposed wiring, electrical panel has cover and is visible. Central HVAC vents and thermostat present. However, smoke detectors and CO alarms are not visible in photos, and GFCI outlets in kitchen/bath are not shown — these are common inspection items and may be required. Exterior steps: one set has a handrail but a side/rear entry shows a small step with no visible rail (may not trigger requirement depending on riser count). Reasonable risk of minor code items to add/verify, but no major visible safety violations."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, electrical & plumbing systems",
"score": 75.0,
"rationale": "Photos show central HVAC supply/return registers and a thermostat, indicating ducted heating/cooling likely present and functional (requires verification). Electrical panel is present and covered. Roof appears intact from available exterior angles with no visible sagging or active leaks; age unknown. No water heater, furnace, or mechanical equipment shown and plumbing fixtures are not photographed. Based on visible evidence, major systems appear present and in serviceable condition but need verification (service records/functional test)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and walkways",
"score": 70.0,
"rationale": "Vinyl siding and foundation appear intact with no visible major cracks or settling. Driveway has oil/stain spots and vegetation along edges; landscaping is slightly overgrown but not hazardous. Concrete walkway stones shown are somewhat uneven in places (trip potential). A small outbuilding/shed is present. Drainage issues or standing water are not visible in photos. Overall, some yard cleanup and minor site work recommended."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is functional because supply/return vents and a thermostat are visible; no furnace/air handler or water heater were photographed.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and therefore assumed not confirmed; they may be present but require verification.",
"GFCI protection in kitchen/bath is unknown (no kitchen/bath photos) and must be verified/installed if missing.",
"Electrical panel is present and covered; labeling and breaker function are assumed adequate but need on-site confirmation.",
"Windows in bedrooms are assumed to meet egress size requirements based on appearance but must be measured on-site.",
"Appliances (stove/fridge) are not shown; their presence is treated as non-critical for safety but may affect tenant readiness depending on PHA/local requirements."
],
"overall_score": 81.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the house appears to be in good cosmetic condition and mostly turnkey for a Section 8 / HCV initial inspection after a short verification list and minor fixes. Interiors are refreshed, windows and HVAC vents present, and exterior envelope appears sound. Main inspection risk is missing or undocumented life-safety devices (smoke and CO detectors) and unverified GFCI protection in wet areas; these items commonly cause immediate fails if absent. Mechanical systems (water heater, HVAC operation) and roof age should be verified onsite. Expected to be rent-ready with minor corrective work within 1–4 weeks if detectors and any small code items are installed or corrected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior appears recently refreshed: new/clean laminate and carpet, fresh paint, trim/crown molding intact, functioning light fixtures and ceiling fans. Exterior siding and windows look serviceable. Minor deferred items visible: driveway oil/stain spots, some yard overgrowth, stair treads and small exterior steps show weathering and might need paint/repair. Listing/photos do not show kitchen appliances or bathroom details — missing appliances would be a moderate deduction if absent but not catastrophic. Overall mostly cosmetic and easy-to-fix items."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No exposed wiring or evident electrical hazards in photos; electrical panel present and appears covered. Entry doors show locking hardware (deadbolt visible on exterior door). Multiple windows visible in bedrooms/living areas that likely provide egress. HVAC vents and a thermostat are present. However, smoke detectors and carbon monoxide detectors are not visible in any interior photos (absence would cause automatic fail), and GFCI protection in kitchen/bathrooms is not documented in photos. No visible severe water intrusion, mold, or structural sagging. Score reduced because essential life-safety devices and some code items cannot be confirmed from photos."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 70.0,
"rationale": "Photos show central HVAC supply/return vents and thermostat indicating a central heating/cooling system likely present and functional. Electrical panel is present and intact. Roof appears shingled with no obvious sag or active leak visible from provided angles, but age appears moderate and condition should be verified. Water heater and plumbing/fixtures are not shown; listing indicates 1 bath but hot water and plumbing operation cannot be confirmed from images. No visible signs of major system failure, but key system elements (water heater, plumbing leaks, HVAC operation) require onsite verification."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 72.0,
"rationale": "Vinyl siding and foundation look intact; concrete driveway provides off-street parking though it has oil/stain spots and some cracking. Yard shows overgrowth along property edges and could use cleanup. Small wooden steps to side door exist; one set has a handrail but some entry steps appear minimal and may not require rail per code — verify if any stairs exceed allowable riser count. Detached storage building present at rear. No visible foundation settlement, major grading issues, standing water, or active exterior structural damage in photos."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5y)",
"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 detectors in the interior photos — absence would cause inspection fail and must be installed/verified before inspection.",
"GFCI protection in kitchen/bathrooms not documented in photos — lack of GFCI can cause inspection issues."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational (vents and thermostat visible) though no service records or equipment photos were provided.",
"Water heater and hot water are present and functioning though not shown in photos; plumbing fixtures in kitchen/bath are assumed serviceable unless onsite inspection shows otherwise.",
"Kitchen appliances (stove, refrigerator) are not shown in photos; assume they may be present but if absent, landlord/owner will install prior to rental—missing appliances considered a moderate repair item.",
"Roof has typical remaining service life for an older shingle roof; no active leaks were visible from provided exterior photos but a full roof inspection is recommended.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may not be installed or were not photographed and will need verification/installation before inspection.",
"GFCI protection in kitchen and bathroom outlets is not visible in photos and must be confirmed/installed to meet code/NSPIRE requirements.",
"Stairs/handrails meet code unless an onsite inspection identifies steps with more than the allowable riser count without handrails."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1321 2nd Ave, Fultondale, AL, 35068",
"aggregate": {
"summary": "Mostly turnkey single-family home with fresh interior finishes and intact exterior envelope. Primary issues for NSPIRE readiness are documentation/verification items (smoke/CO detectors, GFCI protection, functional appliances not pictured, and confirmation of HVAC/water heater operation). No visible structural or life‑safety failures in photos. Likely rent-ready with minor fixes and verification within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show recent cosmetic work: fresh paint, new-looking flooring, clean trim and ceiling finishes. No visible drywall damage, sagging ceilings, or major stains. Minor exterior deferred maintenance: driveway oil stains and overgrown vegetation. Small exterior step at sunroom/side entry lacks a visible handrail but appears to be only one or two risers. Kitchen and bathroom fixtures/appliances are not shown — missing appliances would be an easy-to-fix capital item but are not visible in the photos. Overall condition indicates mostly cosmetic/finish work only."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 72.3,
"rationale": "Vinyl siding and foundation appear in good visual condition; crawlspace/foundation vents visible. Driveway is paved but has oil/stain spots; yard is somewhat overgrown with dense vegetation close to the house that could hide pests and impede drainage. A detached shed is present. Steps at side entries are small; one set has a handrail and the sunroom step lacks a visible handrail but riser count appears low. No visible standing water, major foundation cracking, or roof collapse in photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental history (last 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": "Section 8 / NSPIRE safety & code risks",
"score": 71.7,
"rationale": "No obvious life‑threatening hazards (no collapsed ceilings, major water stains, exposed wiring, or visible structural sagging). Electrical panel is visible and intact in a bedroom photo. Entry door shows a deadbolt on the front exterior door. Large bedroom windows are present and likely provide egress. However, smoke and carbon monoxide detectors are not visible in any interior photos (required by NSPIRE); GFCI protection in kitchen/bath is not shown. Vegetation close to the structure increases pest/moisture risk. These unknowns reduce the safety score to a moderate risk level."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 71.7,
"rationale": "Vent registers are visible in ceilings and floors indicating central HVAC likely present; no visible evidence of an active heating deficiency. Roof shingles visible in exterior photos appear intact with no obvious sagging or active leak stains on interiors. Electrical panel is closed and present. Water heater, furnace/AC equipment and plumbing fixtures are not photographed so functionality is assumed but not confirmed. Given the age of the house (1945) but the evident recent interior rehab, systems are judged generally serviceable but unverified — moderate inspection risk."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Central HVAC exists and is operational (vent registers visible) but equipment (furnace/AC) was not photographed.",
"Hot water heater and plumbing are functional; no interior plumbing photos were provided.",
"Smoke and carbon monoxide detectors were not visible in photos; assume they may be missing or not shown and will need verification/installation if absent.",
"Kitchen and bathroom appliances (stove, refrigerator) are not photographed; assumed possibly absent or to be provided—this is a capital/turnkey item only.",
"Exterior steps without a visible handrail are 1–2 risers (handrail may not be required); if >3 risers a handrail will be required.",
"No active roof leaks or major foundation movement are present based on lack of visual signs (stains, sagging, large cracks) in provided photos.",
"GFCI protection in kitchen/bath could not be confirmed and will need verification during inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 74.6,
"rubric_version": "2026-02-Section8-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7788936211"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.