Property ID: 7804494635

3240 Hero Dr, Gretna, LA, 70053

Gretna, LA

For Sale Mar 27, 2026 04:54 PM UTC Realtor Street View Rent Zestimate
Money Down: $42,000 CoC Return: 10.89% Monthly Cash Flow: $381
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,000
Closing Costs
$7,000
Total Down
$42,000
Primary property image

Investment Snapshot

Purchase Price
$175,000
Money Down
$42,000
Cash-on-Cash Return
10.89%
Rent
$1,656
Monthly Cash Flow
$381
Annual Cash Flow
$4,573
Debt Service / Mo
$931
Property Tax / Mo
$102
Insurance / Mo
$76

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,656
Payment Standard
$1,983
Rent
$1,656
Insurance
$76
Property Tax
$102
Management
$166
Utilities Allowance
$327
NOI (Monthly)
$1,313
Debt Service
$931
Cash Flow After Debt
$381

Quality Score: 87.60%

Confidence: 95.00%

This property appears highly turnkey for Section 8/NSPIRE inspection. Major systems were replaced during a 2024 gut-and-rebuild (HVAC, electrical wiring and panel, plumbing, insulation) and finishes are new and in good condition. Likely to pass an initial HCV inspection with minimal corrective items (install or verify CO alarm where required; confirm GFCI protection in kitchen/bath; supply or disclose refrigerator). No visible structural or life-safety defects in photos. Estimated rent-ready timeframe: 1–2 weeks for minor verification and any detector/outlet fixes.

Section 8 Payment Standard
$1,983
Utility Allowance Total
$327
Guaranteed Section 8 Rent (PS - Utilities)
$1,656
Property Management
$166

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$175,000
Beds
3
Baths
1
Living Area
980 sqft
Lot Size
5,001 sqft
Year Built
1965
Days on Market
66
Capital Outlay
$42,000
Debt Service
$931
Property Tax / Mo
$102
Insurance / Mo
$76

Property Description

Completely reimagined and move-in ready! This beautifully remodeled Gretna home was gutted to the studs in 2024 and rebuilt with today's quality and style in mind. Featuring a brand-new HVAC system, new windows, all new electric wiring throughout the entire home, new electrical panel, new insulation and plumbing, plus a 4-year-old roof, this property offers peace of mind for years to come. Enjoy the modern kitchen with new cabinetry and finishes, a tastefully updated bathroom, and the comfort of a home that was professionally raised in 2024 for added protection and longevity. With all major systems replaced and a clean, modern aesthetic throughout, 3240 Hero Dr. is the perfect blend of classic charm and brand-new construction feel-just minutes from everything Gretna has to offer!

Utility Allowances

cooking
$17
The property includes a range/oven, and photos suggest it is electric. This allowance is for the tenant's cost of electricity for cooking.
heating
$78
The property has a new central HVAC system. An electric heat pump is a common modern system for this property type and location and was selected.
water_heating
$51
The water heater type is not explicitly stated. Electric was assumed based on visual evidence in photos and the mention of new electrical systems. It is also the more expensive option between electric and gas.
other_electric
$67
This is a standard allowance for general electricity usage, lights, and outlets. It also covers tenant-provided appliances like a refrigerator, which is not listed as provided.
water
$43
The property information explicitly states the water source is 'Public'.
sewer
$46
The property information explicitly states 'Sewer: City'.
trash_collection
$25
This is a standard municipal service for a single-family home and is assumed to be the tenant's responsibility.

Source References

Utility Allowance Source
Effective Date: Jan 01, 2026
No utility allowance source links available.

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$916
DP3 Annual Estimate$916
DP1 Monthly Equivalent$76
DP3 Monthly Equivalent$76
Replacement Value$59,400
Basis980 sqft / 1965

Nearby Houses

Nearby house 1
Photo unavailable

3200 Hero Dr Lot 1

for_sale · 0.09 mi
Price: $49,900
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 2
Photo unavailable

3204 Claire Ave

off_market · 0.10 mi
Price: $145,000
3 bd / 2 ba · 1,200 sqft
Latest sale: —
Latest rent: —
Nearby house 3
Photo unavailable

134 Mason St

for_sale · 0.20 mi
Price: $270,000
4 bd / 2 ba · 1,391 sqft
Latest sale: —
Latest rent: —
Nearby house 4
Photo unavailable

16 Oak Ln

sold · 0.24 mi
Price: $168,000
3 bd / 2 ba · 1,400 sqft
Latest sale: —
Latest rent: —
Nearby house 5
Photo unavailable

3033 Hero Dr

for_sale · 0.27 mi
Price: $245,000
4 bd / 2 ba · 1,790 sqft
Latest sale: —
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Listing statement that the home was gutted to studs in 2024 and that all electrical wiring and a new electrical panel were installed is accurate.
  • HVAC system reported as new is operational (ceiling vents visible) and provides heat/cooling; no hidden duct or compressor issues.
  • No CO alarm visible in photos — assume none installed or not pictured; one will be required because a gas stove is present.
  • GFCI protection in kitchen and bathroom is likely but not clearly shown in photos; assumed present because of recent full rewiring; if absent, will require installation.
  • Water heater is electric (Rheem) and properly connected; photos show a disconnect/box nearby but full flue/venting or piping details not visible.
  • Electrical panel and sub-panels are present and were installed to code in 2024 per listing (panel not photographed).

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $1,183 $87,000 $8,700
2024 $1,184 $87,000 $8,700
2023 $1,169 $81,800 $8,180
2022 $1,169 $81,800 $8,180
2021 $1,111 $81,800 $8,180
2020 $1,104 $81,800 $8,180
2019 $1,122 $81,800 $8,180
2018 $1,056 $81,800 $8,180
2017 $952 $81,800 $8,180
2016 $935 $81,800 $8,180
2015 $924 $80,200 $8,020
2014 $923 $80,200 $8,020
2013 $923 $80,200 $8,020
2012 $424 $80,200 $8,020
2011 $387 $79,200 $7,920
2010 $495 $79,200 $7,920
2009 $843 $79,200 $7,920
2008 $25 $7,920

Sale History

DateEventPrice
2026-02-25 Price Changed $175,000
2026-02-19 Price Changed $179,900
2026-02-12 Price Changed $184,900
2026-02-02 Listed $189,000
2026-02-02 Listing removed $0
2026-01-13 Price Changed $189,900
2026-01-13 Listing removed $0
2026-01-05 Price Changed $193,000
2025-12-14 Listed for rent $1,900
2025-12-11 Price Changed $195,000
2025-11-26 Price Changed $199,900
2025-11-14 Price Changed $205,000
2025-10-21 Listed $209,900
2025-01-30 Listing removed $0
2025-01-17 Price Changed $115,000
2024-11-30 Price Changed $120,000
2024-11-15 Price Changed $125,000
2024-10-11 Listed $135,000
2024-02-07 Listing removed $0
2023-12-09 Price Changed $70,000
2023-11-10 Price Changed $72,000
2023-10-11 Price Changed $75,000
2023-09-18 Price Changed $80,000
2023-09-09 Listed $85,000
2023-06-07 Sold $0

Photo Gallery

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              "Bedroom 2 Dimensions: 9'11\" x 11'10\"",
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              "Lot Size Dimensions: 50 x 100",
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            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": "151 days",
            "source_listing_id": "2412995",
            "price_change_percentage": null
          },
          {
            "date": "2023-12-09",
            "price": 70000,
            "listing": {
              "status": "off_market",
              "list_date": "2023-09-09T23:09:20Z",
              "list_price": 70000,
              "listing_id": "2959538701",
              "last_update_date": "2023-12-08T18:18:03Z",
              "last_status_change_date": "2024-02-07T02:09:01Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 71.42857142857143,
            "source_name": "NewOrleans",
            "price_change": -2000,
            "days_after_listed": null,
            "source_listing_id": "2412995",
            "price_change_percentage": null
          },
          {
            "date": "2023-11-10",
            "price": 72000,
            "listing": {
              "status": "off_market",
              "list_date": "2023-09-09T23:09:20Z",
              "list_price": 70000,
              "listing_id": "2959538701",
              "last_update_date": "2023-12-08T18:18:03Z",
              "last_status_change_date": "2024-02-07T02:09:01Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 73.46938775510205,
            "source_name": "NewOrleans",
            "price_change": -3000,
            "days_after_listed": null,
            "source_listing_id": "2412995",
            "price_change_percentage": null
          },
          {
            "date": "2023-10-11",
            "price": 75000,
            "listing": {
              "status": "off_market",
              "list_date": "2023-09-09T23:09:20Z",
              "list_price": 70000,
              "listing_id": "2959538701",
              "last_update_date": "2023-12-08T18:18:03Z",
              "last_status_change_date": "2024-02-07T02:09:01Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 76.53061224489795,
            "source_name": "NewOrleans",
            "price_change": -5000,
            "days_after_listed": null,
            "source_listing_id": "2412995",
            "price_change_percentage": null
          },
          {
            "date": "2023-09-18",
            "price": 80000,
            "listing": {
              "status": "off_market",
              "list_date": "2023-09-09T23:09:20Z",
              "list_price": 70000,
              "listing_id": "2959538701",
              "last_update_date": "2023-12-08T18:18:03Z",
              "last_status_change_date": "2024-02-07T02:09:01Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 81.63265306122449,
            "source_name": "NewOrleans",
            "price_change": -5000,
            "days_after_listed": null,
            "source_listing_id": "2412995",
            "price_change_percentage": null
          },
          {
            "date": "2023-09-09",
            "price": 85000,
            "listing": {
              "status": "off_market",
              "list_date": "2023-09-09T23:09:20Z",
              "list_price": 70000,
              "listing_id": "2959538701",
              "last_update_date": "2023-12-08T18:18:03Z",
              "last_status_change_date": "2024-02-07T02:09:01Z"
            },
            "event_name": "Listed",
            "price_sqft": 86.73469387755102,
            "source_name": "NewOrleans",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "2412995",
            "price_change_percentage": null
          },
          {
            "date": "2023-06-07",
            "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
          },
          {
            "date": "2002-04-01",
            "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": "7804494635",
  "generated_at": "2026-03-27T16:54:29.065239Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 10.0,
    "overall_score": 87.6
  },
  "utility_allowance": {
    "zip_code": "70053",
    "home_photo": "https://ap.rdcpix.com/f38f768b563fe8ab2754e7c5f213dc30l-m3576674381s-w1280.jpg",
    "rent_price": 1656.0,
    "loan_amount": 140000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/3240-Hero-Dr_Gretna_LA_70053_M78044-94635",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 175000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 15750.31,
    "mortgage_monthly": 931.42,
    "payment_standard": 1983.0,
    "total_amount_out": 35000.0,
    "additional_photos": [
      "https://ap.rdcpix.com/f38f768b563fe8ab2754e7c5f213dc30l-m4287911698s-w1280.jpg",
      "https://ap.rdcpix.com/f38f768b563fe8ab2754e7c5f213dc30l-m2389850375s-w1280.jpg",
      "https://ap.rdcpix.com/f38f768b563fe8ab2754e7c5f213dc30l-m1352363363s-w1280.jpg",
      "https://ap.rdcpix.com/f38f768b563fe8ab2754e7c5f213dc30l-m973738888s-w1280.jpg",
      "https://ap.rdcpix.com/f38f768b563fe8ab2754e7c5f213dc30l-m1917745938s-w1280.jpg",
      "https://ap.rdcpix.com/f38f768b563fe8ab2754e7c5f213dc30l-m2951157548s-w1280.jpg",
      "https://ap.rdcpix.com/f38f768b563fe8ab2754e7c5f213dc30l-m212995281s-w1280.jpg",
      "https://ap.rdcpix.com/f38f768b563fe8ab2754e7c5f213dc30l-m1183869314s-w1280.jpg",
      "https://ap.rdcpix.com/f38f768b563fe8ab2754e7c5f213dc30l-m974575469s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 76.33,
    "monthly_cash_flow": 1312.53,
    "property_tax_rate": null,
    "_utility_allowance": {
      "sources": [],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "The property includes a range/oven, and photos suggest it is electric. This allowance is for the tenant's cost of electricity for cooking.",
        "utility": "cooking",
        "allowance": 17
      },
      {
        "note": "The property has a new central HVAC system. An electric heat pump is a common modern system for this property type and location and was selected.",
        "utility": "heating",
        "allowance": 78
      },
      {
        "note": "The water heater type is not explicitly stated. Electric was assumed based on visual evidence in photos and the mention of new electrical systems. It is also the more expensive option between electric and gas.",
        "utility": "water_heating",
        "allowance": 51
      },
      {
        "note": "This is a standard allowance for general electricity usage, lights, and outlets. It also covers tenant-provided appliances like a refrigerator, which is not listed as provided.",
        "utility": "other_electric",
        "allowance": 67
      },
      {
        "note": "The property information explicitly states the water source is 'Public'.",
        "utility": "water",
        "allowance": 43
      },
      {
        "note": "The property information explicitly states 'Sewer: City'.",
        "utility": "sewer",
        "allowance": 46
      },
      {
        "note": "This is a standard municipal service for a single-family home and is assumed to be the tenant's responsibility.",
        "utility": "trash_collection",
        "allowance": 25
      }
    ],
    "cash_on_cash_return": 0.45,
    "down_payment_amount": 35000.0,
    "property_tax_annual": 1218.49,
    "property_tax_monthly": 101.54,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 327.0,
    "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": 4573.23,
    "property_management_monthly": 165.6,
    "monthly_cash_flow_after_debt": 381.1,
    "cash_on_cash_return_after_debt": 0.13
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This property appears highly turnkey for Section 8/NSPIRE inspection. Major systems were replaced during a 2024 gut-and-rebuild (HVAC, electrical wiring and panel, plumbing, insulation) and finishes are new and in good condition. Likely to pass an initial HCV inspection with minimal corrective items (install or verify CO alarm where required; confirm GFCI protection in kitchen/bath; supply or disclose refrigerator). No visible structural or life-safety defects in photos. Estimated rent-ready timeframe: 1–2 weeks for minor verification and any detector/outlet fixes.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 90.0,
            "rationale": "Photos and listing show a full gut and rebuild (2024) with new finishes throughout: fresh paint, new flooring, new cabinets, new bathroom fixtures, installed range and microwave. No visible cosmetic damage, holes, or deferred maintenance. Missing refrigerator is the only common tenant-appliance absence visible; this is an easy-to-fix, non-safety item. Overall turnkey cosmetic condition."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 80.0,
            "rationale": "Visible smoke detector in main living area, stairs with handrails at front and rear, intact windows that appear to meet egress, secure front door with lock hardware visible, no exposed wiring or visible water intrusion, and outlets/cover plates present. Listing states new electrical panel and new wiring. Deductions: no visible carbon monoxide alarm in photos while a gas range (fuel-burning appliance) is present; CO alarm is required where applicable. GFCI protection in kitchen/bath is not clearly visible in photos (new wiring suggests likely present but not confirmed). These are relatively quick fixes if missing but reduce the safety score slightly."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems / Mechanical",
            "score": 90.0,
            "rationale": "Listing reports new HVAC system (photo shows ceiling vents), new plumbing and insulation, all-new electrical wiring and new panel, and the water heater is present and appears recently installed (Rheem). Roof noted as ~4 years old. Photos corroborate working HVAC supply vents and a modern water heater; laundry hookups visible. These system replacements indicate low near-term mechanical risk."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 85.0,
            "rationale": "Exterior photos show intact siding, a raised and apparently repaired foundation, properly vented crawlspace, an even concrete walkway and front steps with handrails, a functioning rear stair/landing with rail, and a tidy yard with no standing water visible. Roof appears in good condition from listings. Minor deduction for lack of close-up inspection of roof flashing/drainage and absence of visible gutters in photos."
          }
        ],
        "red_flags": [],
        "confidence": 0.85,
        "assumptions": [
          "Listing statement that the home was gutted to studs in 2024 and that all electrical wiring and a new electrical panel were installed is accurate.",
          "HVAC system reported as new is operational (ceiling vents visible) and provides heat/cooling; no hidden duct or compressor issues.",
          "No CO alarm visible in photos — assume none installed or not pictured; one will be required because a gas stove is present.",
          "GFCI protection in kitchen and bathroom is likely but not clearly shown in photos; assumed present because of recent full rewiring; if absent, will require installation.",
          "Water heater is electric (Rheem) and properly connected; photos show a disconnect/box nearby but full flue/venting or piping details not visible.",
          "Electrical panel and sub-panels are present and were installed to code in 2024 per listing (panel not photographed)."
        ],
        "overall_score": 87.0,
        "rubric_version": "ns_prep_v1.0"
      },
      {
        "summary": "This home appears to be essentially turnkey for Section 8 / HCV inspection. The 2024 gut-and-rebuild, new HVAC, new wiring and panel, new plumbing, newer roof, and clean interior significantly lower inspection risk. Primary verification items before inspection: presence and placement of carbon monoxide alarm(s) (required if fuel-burning appliances are present), confirmation of GFCI protection in kitchen/bath, and provision of a refrigerator or documented plan to supply one. Absent those verifications, the unit is still likely to pass initial inspection after minor corrective actions (install CO alarm and confirm GFCI).",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 90.0,
            "rationale": "Photos and listing show a full 2024 gut/rehab: new paint, new flooring, updated kitchen and bath, new windows, and finished trim. Appliances shown include a stove and over-the-range microwave; a refrigerator is not pictured (minor). Cosmetic condition appears excellent with no visible deferred maintenance. Minor punch-list items likely (touch-ups, verification of appliance hookups), but overall turnkey."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risks (NSPIRE-related)",
            "score": 85.0,
            "rationale": "Visible features supporting compliance: functioning-looking smoke alarm visible in main area, secure entry door with deadbolt, egress windows appear present in bedrooms, handrails on front steps and a rear deck guardrail present, no exposed wiring seen in photos, outlets have covers. Risks: no carbon-monoxide alarm is visible despite a gas-range shown in photos; GFCI protection at kitchen and bathroom outlets is not clearly identifiable from images. Plumbing fixtures and hot water heater are present. Based on listing (new wiring, new panel) and photos, major safety hazards are unlikely but CO/GFCI verification required."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 92.0,
            "rationale": "Listing states and photos corroborate major system replacement: brand-new HVAC (ceiling vents visible), all-new electrical wiring and new electrical panel (claimed in listing), new plumbing, new insulation, and a 4-year-old roof. Water heater is shown and appears recently installed and properly placed. No visible evidence of roof leaks, HVAC failure, or plumbing leaks in images. Systems appear to be in very good condition; verification through receipts/inspection recommended but likely sound."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 90.0,
            "rationale": "Exterior photos show recently updated siding, raised foundation (professionally raised in 2024 per listing) with intact masonry/skim coat, clean lawn, sound concrete front walk and steps, and a small rear deck with railing. Drainage and yard are tidy with no visible standing water, and no obvious pest/infestation signs. Driveway/walkway and site appear safe and well-maintained."
          }
        ],
        "red_flags": [
          "No visible carbon monoxide alarm in photos while a gas range is present — CO alarm may be required and is a potential NSPIRE failure if missing.",
          "GFCI protection at kitchen and bathroom outlets is not visually confirmed in photos — lack of required GFCI could be a citation."
        ],
        "confidence": 0.75,
        "assumptions": [
          "Listing statement that the home was gutted to studs in 2024 and has new wiring, new electrical panel, new plumbing, and new HVAC is accurate and reflects work completed to code.",
          "Photos are representative of the typical condition throughout the dwelling and taken after renovation completion.",
          "The visible stove is a gas range (burners visible) — gas connection exists; this implies CO alarm requirement in many jurisdictions.",
          "Smoke alarm visible in living area is operational; additional smoke alarms in corridors/bedrooms are present but not pictured.",
          "No hidden water intrusion, major foundation movement, or concealed structural issues are present beyond what is visible; raising in 2024 addressed elevation/flood concerns.",
          "Electrical panel is newly installed and properly permitted (listing claims new panel but permit documentation not provided)."
        ],
        "overall_score": 89.0,
        "rubric_version": "1.0"
      },
      {
        "summary": "This property appears turnkey and has a high likelihood of passing an initial Housing Choice Voucher/NSPIRE inspection. The 2024 gut-rehab with new HVAC, wiring, panel, plumbing, windows and recent roof indicate strong system integrity. Interiors are move-in ready cosmetically. Verify presence of carbon monoxide alarm (gas range present), GFCI protection at required outlets, and a few commissioning items (HVAC operation, water heater drain pan/overflow). With those verifications or quick fixes the unit should be rent-ready within 1–2 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 90.0,
            "rationale": "Interior photos and listing show a full gut-rehab completed 2024 with new finishes: new flooring, fresh paint, new cabinets, modern fixtures, and an installed range and microwave. Cosmetic condition appears excellent and move-in ready. The only minor potential negatives: no refrigerator shown (minor, easily remedied) and no visible evidence of small finish-level items (touch-ups) — all easy-to-fix capital items."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 80.0,
            "rationale": "Smoke detector is visible on the ceiling and there are secure entry steps with handrails. Bedrooms show egress windows. Listing states new electrical wiring and new panel which lowers electrical hazard risk; no exposed wiring visible in photos. Potential code items not visually confirmed: carbon monoxide alarm (important because a gas range is present), and GFCI protection for kitchen/bath outlets (outlets visible but GFCI not clearly identifiable). No visible mold, active leaks, collapsed ceilings, or major trip hazards. Score reduced slightly for items not shown that are code-critical."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical Condition",
            "score": 90.0,
            "rationale": "Listing explicitly states new HVAC system, new electrical wiring, new electrical panel, new plumbing, and new insulation; photos show a modern HVAC vent pattern in ceilings and a new Rheem water heater on a platform. Roof is only 4 years old per listing. These indicate strong system health and low near-term failure risk. Minor uncertainty remains about hot-water drain pan/overflow and final HVAC commissioning, but overall systems condition appears excellent."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 85.0,
            "rationale": "Exterior photos show new/clean siding, intact foundation skirt, properly graded lawn and a clear concrete walkway to the front steps. Front steps have handrails; rear steps and small deck have railings. Yard appears maintained with no standing water visible; shed present in back. House was raised in 2024 per listing which reduces flood risk. Slight deductions for not being able to verify full perimeter drainage, gutter/downspout condition, or fence condition from photos."
          }
        ],
        "red_flags": [],
        "confidence": 0.85,
        "assumptions": [
          "Listing is accurate: HVAC, electrical wiring, electrical panel, and plumbing replacements were completed as stated in 2024.",
          "New electrical work includes properly installed breakers and smoke detector wiring; the visible ceiling detector is functional.",
          "GFCI outlets and a carbon monoxide alarm are not visible in photos; assume they may have been installed during the remodel but need verification at inspection.",
          "Water heater is new and operational; water heater location has proper electrical disconnect and a functional relief/drain path though a drain pan is not visible and should be checked.",
          "Front entry door has a working lockset and deadbolt (photo shows a standard exterior door but the deadbolt is not clearly visible).",
          "No unseen structural or moisture damage remains after the 2024 raising and rebuild; photos and listing show no evidence of sagging, foundation movement, or active leaks."
        ],
        "overall_score": 87.0,
        "rubric_version": "ns_2026_v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "3240 Hero Dr, Gretna, LA, 70053",
    "aggregate": {
      "summary": "This property appears highly turnkey for Section 8/NSPIRE inspection. Major systems were replaced during a 2024 gut-and-rebuild (HVAC, electrical wiring and panel, plumbing, insulation) and finishes are new and in good condition. Likely to pass an initial HCV inspection with minimal corrective items (install or verify CO alarm where required; confirm GFCI protection in kitchen/bath; supply or disclose refrigerator). No visible structural or life-safety defects in photos. Estimated rent-ready timeframe: 1–2 weeks for minor verification and any detector/outlet fixes.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 90.0,
          "rationale": "Photos and listing show a full gut and rebuild (2024) with new finishes throughout: fresh paint, new flooring, new cabinets, new bathroom fixtures, installed range and microwave. No visible cosmetic damage, holes, or deferred maintenance. Missing refrigerator is the only common tenant-appliance absence visible; this is an easy-to-fix, non-safety item. Overall turnkey cosmetic condition."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 86.7,
          "rationale": "Exterior photos show intact siding, a raised and apparently repaired foundation, properly vented crawlspace, an even concrete walkway and front steps with handrails, a functioning rear stair/landing with rail, and a tidy yard with no standing water visible. Roof appears in good condition from listings. Minor deduction for lack of close-up inspection of roof flashing/drainage and absence of visible gutters in photos."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Compliance Risk",
          "score": 81.7,
          "rationale": "Visible smoke detector in main living area, stairs with handrails at front and rear, intact windows that appear to meet egress, secure front door with lock hardware visible, no exposed wiring or visible water intrusion, and outlets/cover plates present. Listing states new electrical panel and new wiring. Deductions: no visible carbon monoxide alarm in photos while a gas range (fuel-burning appliance) is present; CO alarm is required where applicable. GFCI protection in kitchen/bath is not clearly visible in photos (new wiring suggests likely present but not confirmed). These are relatively quick fixes if missing but reduce the safety score slightly."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems / Mechanical",
          "score": 90.7,
          "rationale": "Listing reports new HVAC system (photo shows ceiling vents), new plumbing and insulation, all-new electrical wiring and new panel, and the water heater is present and appears recently installed (Rheem). Roof noted as ~4 years old. Photos corroborate working HVAC supply vents and a modern water heater; laundry hookups visible. These system replacements indicate low near-term mechanical risk."
        }
      ],
      "red_flags": [],
      "confidence": 0.95,
      "assumptions": [
        "Listing statement that the home was gutted to studs in 2024 and that all electrical wiring and a new electrical panel were installed is accurate.",
        "HVAC system reported as new is operational (ceiling vents visible) and provides heat/cooling; no hidden duct or compressor issues.",
        "No CO alarm visible in photos — assume none installed or not pictured; one will be required because a gas stove is present.",
        "GFCI protection in kitchen and bathroom is likely but not clearly shown in photos; assumed present because of recent full rewiring; if absent, will require installation.",
        "Water heater is electric (Rheem) and properly connected; photos show a disconnect/box nearby but full flue/venting or piping details not visible.",
        "Electrical panel and sub-panels are present and were installed to code in 2024 per listing (panel not photographed)."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 87.6,
      "rubric_version": "ns_prep_v1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7804494635"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.