Property ID: 7816243557
2130 N Butterfly Cir, Terrytown, LA, 70056
Terrytown, LA
Money Down: $42,960
CoC Return: -1.18%
Monthly Cash Flow: $-42
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,800
Closing Costs
$7,160
Total Down
$42,960
Investment Snapshot
Purchase Price
$179,000
Money Down
$42,960
Cash-on-Cash Return
-1.18%
Rent
$1,268
Monthly Cash Flow
$-42
Annual Cash Flow
$-508
Debt Service / Mo
$953
Property Tax / Mo
$138
Insurance / Mo
$93
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,268
Payment Standard
$1,552
Rent
$1,268
Insurance
$93
Property Tax
$138
Management
$127
Utilities Allowance
$284
NOI (Monthly)
$910
Debt Service
$953
Cash Flow After Debt
$-42
Quality Score: 77.60%
Confidence: 95.00%
Overall the property is well-maintained and largely turnkey for a Housing Choice Voucher tenant. Visible structure, finishes, exterior, driveway and outbuildings are in good condition and major systems appear present. The main inspection risks are unverified smoke/CO detectors, GFCI outlet protection in kitchen/bath, and the presence/operation of the water heater and electrical panel (not pictured). If detectors and required GFCIs are installed and mechanicals are operational, the unit is likely to pass an initial NSPIRE/Section 8 inspection with only minor fixes (installed detectors/GFCIs and any small cosmetic touch-ups).
Section 8 Payment Standard
$1,552
Utility Allowance Total
$284
Guaranteed Section 8 Rent (PS - Utilities)
$1,268
Property Management
$127
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$179,000
Beds
2
Baths
1
Living Area
1,188 sqft
Lot Size
—
Year Built
1970
Days on Market
224
Capital Outlay
$42,960
Debt Service
$953
Property Tax / Mo
$138
Insurance / Mo
$93
Property Description
NEW PRICE!!! MOVE IN READY HOUSE IN TERRYTOWN - WOULD MAKE GREAT STARTER HOME OR INVESTMENT PROPERTY! THIS BEAUTIFULLY MAINTAINED RANCH STYLE HOUSE OFFERS COMFORTABLE, LOW MAINTENANCE LIVING WITH THOUGHTFUL UPDATES THROUGH OUT SUCH AS DURABLE FLOORING; UPDATED KITCHEN WITH MODERN APPLIANCES; BREAKFAST AREA; CEILING FANS; SPACIOUS PRIMARY BEDROOM WITH WALK IN CLOSET; STYLISH BATHROOM WITH WALK IN SHOWER AND SEPARATE BATHTUB; COVERED PATIO AND STORAGE SHED TO REMAIN! MOVING AND OWNING THIS HOUSE COULD BE EASIER THAN MOVING TO A NEW APARTMENT!!
Utility Allowances
Heating
$68
Property has 'Central' heating, inferred to be an electric heat pump system, which is common for this property type and region. The schedule value for a 2BR home with an electric heat pump is selected.
Cooking
$15
The property includes an 'Oven' and 'Range'. With no mention of gas, electric is assumed. The schedule value for 2BR electric cooking is selected.
Water Heating
$44
Assumed to be an electric water heater, consistent with other appliances and the lack of specified gas service. The schedule value for 2BR electric water heating is selected.
Other Electric
$57
This is a standard allowance for general electric use (e.g., lights, outlets) for a 2-bedroom home, as per the utility schedule.
Water
$36
The property listing confirms a 'Public' water source. The fixed allowance for a 2-bedroom home is applied.
Sewer
$39
The property listing confirms public sewer service ('Public Sewer'). The fixed allowance for a 2-bedroom home is applied.
Trash Collection
$25
Standard allowance for municipal trash collection for a single-family residence, which is presumed to be applicable.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,111
DP3 Annual Estimate$1,111
DP1 Monthly Equivalent$93
DP3 Monthly Equivalent$93
Replacement Value$79,100
Basis1,188 sqft / 1970
Nearby Houses
No nearby houses were returned.
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing text 'updated kitchen with modern appliances' and photos indicate at least a range/stove is present; fridge may or may not remain but missing fridge is not assumed to be a safety failure.
- Central HVAC is present and operational (ceiling vents and exterior condenser observed) and will provide adequate heating/cooling; no detailed service records available.
- Water heater and hot water supply are present and functioning though not pictured.
- Smoke detectors and carbon monoxide detector(s) are not visible in photos; assume none can be confirmed and may need installation or replacement to meet NSPIRE.
- Electrical panel is intact and properly labeled although not shown; no visible exterior electrical damage observed.
- Bedrooms have egress windows typical for a 1970-built ranch; no evidence of blocked exits or inadequate egress was observed in photos.
- Exterior utilities and overhead service drop are typical and not presenting an immediate hazard from photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,611 | $121,100 | $12,110 |
| 2024 | $1,606 | $121,100 | $12,110 |
| 2023 | $1,583 | $121,100 | $12,110 |
| 2022 | $1,543 | $121,100 | $12,110 |
| 2021 | $1,454 | $121,100 | $12,110 |
| 2020 | $1,444 | $121,100 | $12,110 |
| 2019 | $1,481 | $121,100 | $12,110 |
| 2018 | $1,383 | $121,100 | $12,110 |
| 2017 | $1,326 | $121,100 | $12,110 |
| 2016 | $1,299 | $121,100 | $12,110 |
| 2015 | $1,331 | $121,100 | $12,110 |
| 2014 | $1,315 | $121,100 | $12,110 |
| 2013 | $1,270 | $121,100 | $12,110 |
| 2012 | $634 | $121,100 | $12,110 |
| 2011 | $628 | $119,600 | $11,960 |
| 2010 | $1,225 | $119,600 | $11,960 |
| 2009 | $1,225 | $119,600 | $11,960 |
| 2008 | $1,212 | — | $11,960 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-02-28 | Sold | — |
| 2004-03-23 | Sold | — |
Photo Gallery
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},
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"score": 75.0,
"rationale": "Ceiling HVAC vents are visible in living area photos and an exterior HVAC/condenser and utilities are visible at the side/rear, indicating central heating/cooling is present. Roof appears flat-to-low slope and in reasonable visual condition with no obvious areas of failure. Plumbing fixtures and kitchen sink appear intact; no interior signs of active leaks shown. Electrical panel is not pictured but exterior service equipment looks intact. Water heater and full plumbing condition are not visible; assumed functional given listing and maintained presentation. These assumptions create moderate residual risk."
},
{
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"score": 85.0,
"rationale": "Front and rear yards are well-maintained with level grading, a long concrete driveway, carport, and a storage shed on a pad. Siding and brick veneer are intact with no visible foundation settlement or major cracks. Fencing shows normal weathering but remains standing. Fire pit and outdoor furniture are present (tenant items) and would need to be assessed for safety but are not structural issues. Downspout extensions and drainage appear adequate in photos; no obvious standing water present."
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"confidence": 0.72,
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"Central HVAC is present and operational (ceiling vents and exterior condenser observed) and will provide adequate heating/cooling; no detailed service records available.",
"Water heater and hot water supply are present and functioning though not pictured.",
"Smoke detectors and carbon monoxide detector(s) are not visible in photos; assume none can be confirmed and may need installation or replacement to meet NSPIRE.",
"Electrical panel is intact and properly labeled although not shown; no visible exterior electrical damage observed.",
"Bedrooms have egress windows typical for a 1970-built ranch; no evidence of blocked exits or inadequate egress was observed in photos.",
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"label": "Condition & Repairs",
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"label": "Safety / Code Risks (NSPIRE focus)",
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"key": "systems_mechanical",
"label": "Major Systems (HVAC, electrical, plumbing, roof)",
"score": 75.0,
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},
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"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Yard, concrete drive, carport and shed appear in good condition. Concrete driveway and covered parking are intact with no major cracks visible. Siding and brick veneer are in good repair. Perimeter fence and storage shed appear serviceable though the fence shows weathering. Overhead utility lines and a utility pole are close to the carport/driveway which is common but should be reviewed for clearance and safety. No signs of drainage issues, standing water, or exterior structural distress in provided photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE requires verification/installation).",
"GFCI protection in kitchen/bath not confirmed from photos — must be verified.",
"Overhead utility/service lines and utility pole are routed near the carport/driveway; clearance should be checked as potential electrical hazard.",
"Backyard firepit assembly and scattered outdoor debris present a safety/housekeeping concern that should be resolved prior to inspection."
],
"confidence": 0.75,
"assumptions": [
"Listing text stating 'updated kitchen with modern appliances' is accurate; a functioning range is visible in photos though refrigerator is not shown.",
"Central HVAC is present and functional; an exterior condenser unit and interior vents are visible.",
"Water heater and main electrical panel exist but were not photographed; their condition/age is unknown and assumed serviceable until inspection.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or require relocation/verification to meet NSPIRE.",
"Egress windows likely meet minimum size but bedroom-specific window measurements are not provided; assume typical compliance unless otherwise measured.",
"No interior plumbing leaks, active roof leaks, or severe mold are present because there are no visual signs in photos; limited photo set could hide issues.",
"Fence and shed are functional but may need minor maintenance; no active infestation observed in photos.",
"Rental history is missing in the provided snapshot and is excluded from scoring as instructed."
],
"overall_score": 77.0,
"rubric_version": "nsps_v1.0"
},
{
"summary": "This single-family home presents as move-in ready with mostly cosmetic repairs and routine maintenance required. Interior and exterior photos show a clean, updated kitchen, intact flooring, functioning fixtures, and a sound exterior envelope. The most likely Section 8 / NSPIRE inspection issues are missing or unconfirmed smoke/CO detectors and unconfirmed GFCI protection in the kitchen/bath — items that commonly cause initial inspection failures but are easy to remedy. Major systems (HVAC, roof, electrical service) show no visible catastrophic issues in photos but were not tested. With verification/installation of required detectors and a quick check of mechanical systems, the property is likely to pass an initial Housing Choice Voucher inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Property appears well maintained in photos: exterior brick and siding in good condition, clean concrete drives/walkways, manicured lawn, intact windows and doors. Interior photos show intact tile flooring, painted walls, ceiling fans, updated kitchen cabinets and a range visible. Minor deferred items: an exterior wooden bench shows rot/decay and should be removed or repaired; some cosmetic wall scuffs and baseboard wear visible; backyard fire pit and loose outdoor items should be secured/removed for tenant safety. Listing states updated appliances; refrigerator not visible in photos (assumed present). Overall, mostly cosmetic/minor maintenance items — easy-to-fix."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings intact (no sagging), no standing water, exterior walkways and driveway are even, guardrails/stairs not present/required in photos. Visible electrical service and meter appear intact (service drop to property is overhead but appears standard). Primary safety risks for inspection based on photos: no smoke detectors or CO alarms are visible in interior photos (cannot confirm installed), and GFCI outlets for kitchen counters are not visible; an inspector commonly requires functioning smoke detectors in all sleeping levels and GFCI protection in kitchen/bath. Exterior lighting and locks at the front entry are present; deadbolt presence not clearly visible in photos and should be verified. Bedroom windows appear adequate for egress. Recommend verifying presence/operation of smoke detectors, CO alarm (if required locally), GFCI protection, and that the entry door has a secure deadbolt prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 75.0,
"rationale": "Major systems appear likely serviceable from photos and listing: central HVAC supply/return grille visible in living area ceiling and an exterior unit/condensing equipment appears present near side of home (photo shows an exterior mechanical on a pad) — assumed operational but not tested. Electrical service and meter are visible and appear intact. Roofline looks even with no visible sagging or missing sections from available angles; full roof condition not shown. Water heater location and condition not visible; plumbing fixtures (kitchen sink) appear functional in photos. No visible evidence of active roof leaks, collapsed ceilings, or major foundation movement. Recommend confirming operation of HVAC, hot water, and that electrical panel has no open lugs/obvious hazards on site visit."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Exterior is tidy and shows recent maintenance: painted siding and brick skirt in good condition, concrete driveway and carport are sound with no major cracks, covered carport and a storage shed remain and appear serviceable. Yard is level with intact fence and safe play/egress areas. Minor issues: some fence boards show weathering in photos and the wood bench at the fire pit is deteriorated and should be removed or repaired to avoid splinters/trip hazard. Drainage appears reasonable; downspout extension is present. No visible evidence of infestation or major exterior structural distress."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing text indicates 'updated kitchen with modern appliances' — assumed refrigerator and stove are included even though not all appliances are visible in supplied photos.",
"Central HVAC is assumed present and operational because ceiling vents and an exterior condenser-like unit are visible; system operation has not been tested from photos.",
"Water heater and hot water supply are assumed functional but were not shown in photographs and should be verified at inspection.",
"Smoke detectors, carbon monoxide alarm(s), and GFCI-protected outlets are not visible in the photos; assume their presence is unconfirmed and must be verified or installed prior to inspection.",
"No signs of active roof leaks, major foundation movement, collapsed ceilings, or severe mold are visible in provided images; assume these conditions are absent but recommend on-site verification."
],
"overall_score": 77.0,
"rubric_version": "nsPIRE-v1.0-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2130 N Butterfly Cir, Terrytown, LA, 70056",
"aggregate": {
"summary": "Overall the property is well-maintained and largely turnkey for a Housing Choice Voucher tenant. Visible structure, finishes, exterior, driveway and outbuildings are in good condition and major systems appear present. The main inspection risks are unverified smoke/CO detectors, GFCI outlet protection in kitchen/bath, and the presence/operation of the water heater and electrical panel (not pictured). If detectors and required GFCIs are installed and mechanicals are operational, the unit is likely to pass an initial NSPIRE/Section 8 inspection with only minor fixes (installed detectors/GFCIs and any small cosmetic touch-ups).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 81.7,
"rationale": "Photos and listing describe a recently updated, well-maintained single-story dwelling. Interior tile floors, painted walls, ceiling fans and finished trim appear intact with no visible water stains, cracked drywall, or sagging ceilings. Kitchen cabinets and counters look serviceable and a stove is visible in photos; listing states 'modern appliances.' Exterior brick and siding are in good cosmetic condition and concrete driveway/carport are intact. No missing door hardware or major cosmetic defects visible. Minor touch-ups (cosmetic paint, possible outlet covers) may be needed but no capital-intensive repairs apparent."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 85.0,
"rationale": "Front and rear yards are well-maintained with level grading, a long concrete driveway, carport, and a storage shed on a pad. Siding and brick veneer are intact with no visible foundation settlement or major cracks. Fencing shows normal weathering but remains standing. Fire pit and outdoor furniture are present (tenant items) and would need to be assessed for safety but are not structural issues. Downspout extensions and drainage appear adequate in photos; no obvious standing water present."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No visible exposed wiring, electrical meter and service drop appear standard and exterior fixtures are intact. Entry door appears secure and windows look operable. No visible active roof leaks, standing water, collapsed ceilings, or structural sagging in photos. However, smoke detectors and carbon-monoxide detectors are not visible in interior photos and GFCI protection in the kitchen/bath is not confirmed. Bedroom egress windows are not shown directly. These unknowns reduce the safety score because missing detectors or GFCI outlets are common Section 8 inspection failures despite the property otherwise appearing safe."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 75.0,
"rationale": "Ceiling HVAC vents are visible in living area photos and an exterior HVAC/condenser and utilities are visible at the side/rear, indicating central heating/cooling is present. Roof appears flat-to-low slope and in reasonable visual condition with no obvious areas of failure. Plumbing fixtures and kitchen sink appear intact; no interior signs of active leaks shown. Electrical panel is not pictured but exterior service equipment looks intact. Water heater and full plumbing condition are not visible; assumed functional given listing and maintained presentation. These assumptions create moderate residual risk."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing text 'updated kitchen with modern appliances' and photos indicate at least a range/stove is present; fridge may or may not remain but missing fridge is not assumed to be a safety failure.",
"Central HVAC is present and operational (ceiling vents and exterior condenser observed) and will provide adequate heating/cooling; no detailed service records available.",
"Water heater and hot water supply are present and functioning though not pictured.",
"Smoke detectors and carbon monoxide detector(s) are not visible in photos; assume none can be confirmed and may need installation or replacement to meet NSPIRE.",
"Electrical panel is intact and properly labeled although not shown; no visible exterior electrical damage observed.",
"Bedrooms have egress windows typical for a 1970-built ranch; no evidence of blocked exits or inadequate egress was observed in photos.",
"Exterior utilities and overhead service drop are typical and not presenting an immediate hazard from photos."
],
"score_method": "mean_of_criteria",
"overall_score": 77.6,
"rubric_version": "ns-promo-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7816243557"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.