Property ID: 7858228120
1436 Princeton Ave N, Tarrant, AL, 35217
Tarrant, AL
Money Down: $22,464
CoC Return: 8.31%
Monthly Cash Flow: $156
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$18,720
Closing Costs
$3,744
Total Down
$22,464
Investment Snapshot
Purchase Price
$93,600
Money Down
$22,464
Cash-on-Cash Return
8.31%
Rent
$932
Monthly Cash Flow
$156
Annual Cash Flow
$1,867
Debt Service / Mo
$498
Property Tax / Mo
$109
Insurance / Mo
$76
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$932
Payment Standard
$1,419
Rent
$932
Insurance
$76
Property Tax
$109
Management
$93
Utilities Allowance
$487
NOI (Monthly)
$654
Debt Service
$498
Cash Flow After Debt
$156
Quality Score: 64.30%
Confidence: 95.00%
Based on exterior photos and listing text, the house appears economically repairable and likely to be rentable after minor repairs, but there are moderate NSPIRE risks that require interior verification. Primary concerns: unknown presence/location of smoke/CO detectors and GFCI, potential non-compliant bedroom egress (older jalousie windows), missing/unknown HVAC, and a damaged porch awning. With an interior walk-through and likely small repairs (detectors, possibly window upgrades or clearances, awning/porch fixes, and verification/servicing of mechanicals), this property would likely pass an initial HCV/NSPIRE inspection within 30 days.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$487
Guaranteed Section 8 Rent (PS - Utilities)
$932
Property Management
$93
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$93,600
Beds
3
Baths
1
Living Area
1,172 sqft
Lot Size
6,970 sqft
Year Built
1958
Days on Market
207
Capital Outlay
$22,464
Debt Service
$498
Property Tax / Mo
$109
Insurance / Mo
$76
Property Description
Investor opportunity! This 3-bedroom, 1-bath home is currently tenant-occupied and located in an area with strong rental demand. The property has been maintained and offers potential for long-term value. Please do not disturb tenants. Showings available with accepted offer.
Utility Allowances
Heating
$77
Property has central heating. Fuel type is not specified. The 'Elec Heat: Tarrant' option was chosen as it is the most expensive plausible option in the schedule, per instructions.
Cooling
$17
Property has 'Central (COOL)', which is electric. Selected the 'A/C: Tarrant' allowance from the schedule for a 3-bedroom unit.
Cooking
$16
Cooking fuel is not specified. Electric was selected for consistency with other electric appliances and is the more expensive option for Tarrant compared to natural gas.
Water Heating
$43
Property listing specifies an electric water heater. Selected the 'Elec: Tarrant' allowance from the schedule.
Other Electric
$64
This is a standard allowance for lights and general electric usage. Selected the 'Lights, Ref, Etc.: Tarrant' option.
Water
$78
Property has public water. As the schedule lacks a 'Tarrant' specific water provider, 'Water: Birmingham' was selected as the most geographically relevant and comprehensive choice.
Sewer
$151
Property listing indicates it is connected to a public sewer system. The schedule provides a single fixed rate for sewer based on bedroom count.
Trash Collection
$27
The property is located in Tarrant, and the schedule provides a specific allowance for 'Tarrant City ISCL'.
Refrigerator
$8
The property listing does not mention a refrigerator. Per the rules, it is assumed to be tenant-owned, and the corresponding fixed allowance is applied.
Range/Microwave
$6
The property listing does not mention a microwave. Per the rules, it is assumed to be tenant-owned, and the corresponding fixed allowance is applied.
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$759
DP3 Annual Estimate$1,073
DP1 Monthly Equivalent$63
DP3 Monthly Equivalent$89
Replacement Value$98,700
Basis1,172 sqft / 1958
Nearby Houses
Photo unavailable
1428 Princeton Ave N
sold · 0.02 mi
Price: $52,500
3 bd / 1 ba · 1,111 sqft
Latest sale: $52,500
Latest rent: —
Photo unavailable
1033 Etowah St
sold · 0.05 mi
Price: $75,000
3 bd / 1 ba · 912 sqft
Latest sale: $75,000
Latest rent: —
Photo unavailable
1032 Forest St
for_sale · 0.05 mi
Price: $74,900
3 bd / 1 ba · 975 sqft
Latest sale: $37,500 on Mar 04, 2020
Latest rent: —
Photo unavailable
1105 Forest St
sold · 0.07 mi
Price: $18,000
2 bd / 1 ba · 864 sqft
Latest sale: $18,000
Latest rent: —
Photo unavailable
1101 Forest St
sold · 0.07 mi
Price: $35,000
3 bd / 2 ba · 1,132 sqft
Latest sale: $35,000
Latest rent: —
Photo unavailable
1113 Forest St
sold · 0.07 mi
Price: $20,500
3 bd / 1 ba · 1,092 sqft
Latest sale: $20,500
Latest rent: —
Photo unavailable
1121 Forest St
sold · 0.08 mi
Price: $55,000
3 bd / 1 ba · 1,008 sqft
Latest sale: $55,000
Latest rent: —
Photo unavailable
1021 Etowah St
sold · 0.08 mi
Price: $140,000
4 bd / 2 ba · 2,100 sqft
Latest sale: $140,000
Latest rent: —
Photo unavailable
1452 Park Ave
sold · 0.08 mi
Price: $114,000
3 bd / 2 ba · 1,336 sqft
Latest sale: $114,000
Latest rent: —
Photo unavailable
1133 Forest St
sold · 0.09 mi
Price: $14,450
3 bd / 1 ba
Latest sale: $14,450
Latest rent: —
Photo unavailable
1029 Waverly St
sold · 0.09 mi
Price: $53,000
3 bd / 2 ba · 1,295 sqft
Latest sale: $53,000
Latest rent: —
Photo unavailable
1017 Etowah St
sold · 0.09 mi
Price: $58,333
3 bd / 1 ba · 1,168 sqft
Latest sale: $58,333
Latest rent: —
Photo unavailable
1440 Park Ave
sold · 0.10 mi
Price: $46,500
2 bd / 1 ba · 720 sqft
Latest sale: $46,500
Latest rent: —
Photo unavailable
1023 Forest St
sold · 0.10 mi
Price: $33,100
3 bd / 2 ba
Latest sale: $33,100
Latest rent: —
Photo unavailable
1469 Auburn Ave
sold · 0.10 mi
Price: $40,000
3 bd / 1 ba · 1,344 sqft
Latest sale: $40,000
Latest rent: —
Photo unavailable
1137 Forest St
sold · 0.10 mi
Price: $11,500
2 bd / 1 ba · 1,084 sqft
Latest sale: $11,500
Latest rent: —
Photo unavailable
1021 Waverly St
off_market · 0.11 mi
Price: $77,990
3 bd / 1 ba · 1,120 sqft
Latest sale: $48,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible heating/AC equipment in front view (no visible external HVAC condenser) — interior confirmation needed.
- Possible non-compliant bedroom egress windows (older jalousie/horizontal windows visible) — potential NSPIRE failure if bedrooms lack compliant egress.
- Damaged metal porch awning creating a potential falling/debris hazard over entry steps.
- Adjacent property with severe exterior deterioration (visible on right) — raises pest, safety, or code-enforcement risk that could affect occupancy or inspections.
Assumptions
- Interior was not available for review; assume interior is generally maintained per listing but contains typical mid-century finishes.
- No active roof leaks or interior water damage are present (inference from lack of visible exterior failure), but roof shingles appear aged.
- HVAC and water heater exist and are operational but their condition is unknown; absence of visible exterior condenser in front photo does not prove lack of heating/cooling.
- Smoke and carbon monoxide detectors, GFCI protection, and hot water are not visible from exterior photos and should be confirmed during inspection.
- Windows shown likely serve bedrooms; assume some may not meet modern egress requirements (jalousie/older sash) and could require upgrade depending on inspector determination.
- Appliances (stove/refrigerator) not visible; missing appliances would be moderate score deductions but are not automatic fail items.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,266 | $112,300 | $22,460 |
| 2023 | $1,266 | $112,300 | $22,460 |
| 2022 | $865 | $76,700 | $15,340 |
| 2021 | $956 | $84,800 | $16,960 |
| 2020 | $910 | $80,700 | $16,140 |
| 2019 | $956 | $84,800 | $16,960 |
| 2018 | $812 | $72,000 | $14,400 |
| 2017 | $812 | $72,000 | $14,400 |
| 2016 | $768 | $68,100 | $13,620 |
| 2015 | $812 | $72,000 | $14,400 |
| 2013 | $759 | $66,000 | $13,200 |
| 2012 | $814 | $70,900 | $14,180 |
| 2011 | $827 | $72,000 | $14,400 |
| 2010 | $827 | $72,000 | $14,400 |
| 2009 | $827 | $72,000 | $14,400 |
| 2008 | $845 | $73,600 | $14,720 |
| 2007 | $821 | $71,500 | $14,300 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-09-26 | Price Changed | $93,600 |
| 2025-07-24 | Listed | $94,600 |
| 2022-07-28 | Sold | $465,000 |
| 2017-03-18 | Listing removed | $790 |
| 2017-03-12 | Listed for rent | $790 |
| 2014-09-26 | Sold | $12,900 |
| 2014-09-05 | Listed | $14,900 |
| 1990-04-12 | Sold | $42,000 |
Photo Gallery
Show raw JSON (debug)
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"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.3
},
"utility_allowance": {
"zip_code": "35217",
"home_photo": "https://ap.rdcpix.com/6507071b4bac3b9a51de9fdfab8703eel-m984125047s-w1280.jpg",
"rent_price": 932.0,
"loan_amount": 74880.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1436-Princeton-Ave-N_Birmingham_AL_35217_M78582-28120",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 93600.0,
"loan_term_years": 30,
"annual_cash_flow": 7845.62,
"mortgage_monthly": 498.18,
"payment_standard": 1419.0,
"total_amount_out": 18720.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 76.33,
"monthly_cash_flow": 653.8,
"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 central heating. Fuel type is not specified. The 'Elec Heat: Tarrant' option was chosen as it is the most expensive plausible option in the schedule, per instructions.",
"utility": "Heating",
"allowance": 77
},
{
"note": "Property has 'Central (COOL)', which is electric. Selected the 'A/C: Tarrant' allowance from the schedule for a 3-bedroom unit.",
"utility": "Cooling",
"allowance": 17
},
{
"note": "Cooking fuel is not specified. Electric was selected for consistency with other electric appliances and is the more expensive option for Tarrant compared to natural gas.",
"utility": "Cooking",
"allowance": 16
},
{
"note": "Property listing specifies an electric water heater. Selected the 'Elec: Tarrant' allowance from the schedule.",
"utility": "Water Heating",
"allowance": 43
},
{
"note": "This is a standard allowance for lights and general electric usage. Selected the 'Lights, Ref, Etc.: Tarrant' option.",
"utility": "Other Electric",
"allowance": 64
},
{
"note": "Property has public water. As the schedule lacks a 'Tarrant' specific water provider, 'Water: Birmingham' was selected as the most geographically relevant and comprehensive choice.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property listing indicates it is connected to a public sewer system. The schedule provides a single fixed rate for sewer based on bedroom count.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is located in Tarrant, and the schedule provides a specific allowance for 'Tarrant City ISCL'.",
"utility": "Trash Collection",
"allowance": 27
},
{
"note": "The property listing does not mention a refrigerator. Per the rules, it is assumed to be tenant-owned, and the corresponding fixed allowance is applied.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property listing does not mention a microwave. Per the rules, it is assumed to be tenant-owned, and the corresponding fixed allowance is applied.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.42,
"down_payment_amount": 18720.0,
"property_tax_annual": 1303.98,
"property_tax_monthly": 108.67,
"property_tax_increase": 0.03,
"utility_allowance_total": 487.0,
"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": 1867.48,
"property_management_monthly": 93.2,
"monthly_cash_flow_after_debt": 155.62,
"cash_on_cash_return_after_debt": 0.1
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and listing text, the house appears economically repairable and likely to be rentable after minor repairs, but there are moderate NSPIRE risks that require interior verification. Primary concerns: unknown presence/location of smoke/CO detectors and GFCI, potential non-compliant bedroom egress (older jalousie windows), missing/unknown HVAC, and a damaged porch awning. With an interior walk-through and likely small repairs (detectors, possibly window upgrades or clearances, awning/porch fixes, and verification/servicing of mechanicals), this property would likely pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show generally intact vinyl siding, painted block foundation and maintained lawn. Visible minor deferred maintenance: bent/damaged metal porch awning and minor porch wear. No obvious collapsed or severely damaged surfaces. Property is tenant-occupied and listing states it has been maintained. Interior condition not visible; assuming no large-scale cosmetic failure. Missing appliances cannot be confirmed from exterior images and are treated as moderate risk only."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Exterior inspection cannot confirm presence or placement of smoke/CO detectors, GFCI outlets, or hot water. Windows visible appear to be older jalousie-style or horizontal-sash glass which can fail bedroom-egress requirements in some jurisdictions — potential egress risk. Entry has a covered porch and railings, but awning damage and small steps could present a trip/hazard issue. No exposed electrical lines or obvious structural sagging seen from the photo. Because interior life-safety items are unknown and egress/windows are questionable, there is a moderate risk of an initial NSPIRE failure without interior remediation."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 60.0,
"rationale": "Roof appears aged but not actively sagging or visibly collapsed; shingles look weathered and may be nearing typical service-life but no active leaks are observable from the photo. No exterior HVAC condenser or heat source is visible in the front view (could be at rear), so presence and condition of heating/air systems are unknown. Plumbing, water heater and electrical panel condition cannot be confirmed from exterior images; given the 1958 build date and typical lifecycle, expect older systems that may need inspection/maintenance. Moderate score reflects likely functional systems but notable unknowns and likely near-term capital maintenance."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Yard is mowed and driveway/walkway to the front door are present. Vinyl siding and foundation block are intact in the visible areas. The adjacent property to the right shows severe exterior deterioration which may increase pest/blight risk and could impact inspections or tenant safety. No standing water, major foundation cracks or collapsed porches visible in the photo. Minor site concerns: damaged porch awning and potential vegetation near foundation that should be cleared."
}
],
"red_flags": [
"No visible heating/AC equipment in front view (no visible external HVAC condenser) — interior confirmation needed.",
"Possible non-compliant bedroom egress windows (older jalousie/horizontal windows visible) — potential NSPIRE failure if bedrooms lack compliant egress.",
"Damaged metal porch awning creating a potential falling/debris hazard over entry steps.",
"Adjacent property with severe exterior deterioration (visible on right) — raises pest, safety, or code-enforcement risk that could affect occupancy or inspections."
],
"confidence": 0.65,
"assumptions": [
"Interior was not available for review; assume interior is generally maintained per listing but contains typical mid-century finishes.",
"No active roof leaks or interior water damage are present (inference from lack of visible exterior failure), but roof shingles appear aged.",
"HVAC and water heater exist and are operational but their condition is unknown; absence of visible exterior condenser in front photo does not prove lack of heating/cooling.",
"Smoke and carbon monoxide detectors, GFCI protection, and hot water are not visible from exterior photos and should be confirmed during inspection.",
"Windows shown likely serve bedrooms; assume some may not meet modern egress requirements (jalousie/older sash) and could require upgrade depending on inspector determination.",
"Appliances (stove/refrigerator) not visible; missing appliances would be moderate score deductions but are not automatic fail items."
],
"overall_score": 64.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Overall the property presents as a generally maintained, older 3-bed/1-bath bungalow with minor exterior defects (damaged awning, older windows) and typical unknowns for a tenant-occupied home. Visible conditions do not show immediate life‑threatening hazards, so the home would likely be a candidate for Section 8 tenancy after addressing a handful of confirmation items and minor repairs. The main inspection risks are unverified smoke/CO detectors and GFCI protection, possible non‑compliant bedroom egress if the louver windows do not meet size/operation requirements, and unknown condition/operation of HVAC, hot water, and electrical systems. Expect a moderate amount of documentation and possibly 1–3 minor repairs to reach NSPIRE readiness; if interior systems are aged or windows fail egress, additional work could be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Exterior photo shows a generally maintained single-story home with intact vinyl siding, an asphalt shingle roof that appears aged but without obvious open areas or sagging, a small front stoop with railings, and a maintained lawn and driveway. Visible minor defects: bent/damaged metal awning at the entry, older louver/jalousie-style windows (cosmetic and likely drafty), and general age-related wear. No severe exterior damage or collapsed elements visible. Interior condition is unknown (tenant occupied) so no interior cosmetic deductions were applied. Missing/unknown appliances not observed from photo and therefore not heavily penalized."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no exposed electrical wiring at exterior). Entry has railings; steps appear intact. Uncertainties reduce score: smoke/CO detectors, GFCI protection in kitchen/bath, hot water supply, and electrical panel condition cannot be confirmed from exterior photo. The visible louver/jalousie windows in bedrooms may not meet modern egress requirements depending on size and operation, which is a common failure point for older homes. Age (1958) implies elevated lead-paint risk inside unless rehabbed. Because no active hazards are evident but multiple required safety items are unverified, moderate risk remains."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 55.0,
"rationale": "Roof shingles look aged but without obvious open seams or major sag; however age suggests replacement may be near-term. No exterior HVAC condenser or heat pump is visible in the photo (could be located at rear or inside), so HVAC presence/operation is unknown. Electrical service/equipment and water heater are not visible. Given building age (1958) and tenant‑occupied status, expect older mechanicals that may require servicing or replacement; inability to confirm working heating/cooling, hot water, and electrical condition reduces score to a moderate level."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Yard and driveway are maintained; walk-up path to entry is present. Vinyl siding and foundation appear intact with no visible large foundation cracks or active drainage pooling in front yard. Close proximity to a neighboring structure in visible severe disrepair could be a site/insurance consideration but is not a direct code failure of this house. No obvious signs of infestation, heavy vegetation against foundation, or standing water present in the photo."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Only one exterior photo provided; interior conditions and systems were not directly observed.",
"Property is tenant‑occupied per listing; access to verify detectors, appliances, and systems will be required.",
"No exterior HVAC condenser unit visible in the front photo; HVAC may be at the rear or attic/ducted furnace inside.",
"Windows visible are jalousie/louver style and may not meet current bedroom egress requirements depending on actual opening dimensions.",
"Roof is aged but not actively leaking based on absence of visible sagging or staining in the provided exterior view; interior evidence of leaks is unknown.",
"Year built 1958 implies potential lead-based paint risk unless remediated; no interior paint condition visible.",
"Listing statement 'has been maintained' is taken as an indicator of reasonable upkeep but not a substitute for system verification."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Based on exterior photos and listing text, the property appears generally maintained with mostly cosmetic and age-related items to address. The biggest inspection risks are interior and code-verification items that cannot be confirmed from the photo set: bedroom egress (windows appear to be jalousie style), presence and placement of smoke/CO detectors, and mechanical systems (HVAC, water heater, electrical panel). Exterior issues are minor to moderate (aged roof, sagging awning, possibly substandard porch railing). Likely outcome: with a focused interior check and minor repairs/updates (smoke detectors, egress verification or window upgrades if needed, porch handrail repair, potential HVAC/service), property could pass an initial HCV/NSPIRE inspection within 2–6 weeks. Tenant-occupied status will require coordination for interior access and verification.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Exterior visible from listing photo shows intact vinyl siding, maintained yard, and an intact concrete walk/driveway. No collapsed surfaces or obvious severe exterior deterioration. Minor deferred items visible: metal awning over porch is bent/sagging and will likely need repair or replacement; small porch step/rail area looks worn and may require cosmetic/handrail work. Windows are older jalousie/vent style which often indicate interior cosmetic and weatherproofing repairs will be needed. Property is tenant-occupied and listing states it has been maintained, so missing appliances or interior cosmetic wear are possible but not apparent from exterior. Overall, mostly cosmetic/minor repairs expected."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "From exterior photo: no visible smoke or carbon monoxide detectors; cannot confirm egress-compliant bedroom windows (windows appear to be jalousie/louvered style which frequently fail egress requirements). Entry door appears functional but deadbolt and secure strike are not visible. No exposed wiring or visible electrical hazards outside. Porch railing appears low and the awning is sagging which could be a trip/fall or falling-object risk. No evidence of active water intrusion, major roof sag, or standing water from the photo. Because critical interior safety items (smoke/CO detectors, GFCI outlets, electrical panel condition, hot water, operational plumbing) cannot be confirmed, there is moderate NSPIRE risk that will require interior verification."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 55.0,
"rationale": "Roof is older asphalt shingle but appears generally intact with no visible sagging or large missing sections — likely near end of useful life and may need replacement within a few years. No central HVAC condenser or external heat source is visible in the photo; heating/cooling presence and condition are unknown (tenant-occupied limits inspection). Water heater, plumbing, electrical panel and drain condition cannot be verified from exterior image. Given the house age (1958), expect some mechanical updates may be needed; absence of visible exterior HVAC equipment and older windows reduce score."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Site is maintained: lawn mowed, driveway and walkway intact, no visible erosion or major foundation cracks from vantage shown. Siding appears in good repair. Small front porch and steps are present but awning is bent and porch railing may be substandard. Neighboring structure visible at right looks deteriorated which could affect curb appeal but not necessarily the inspected unit. No signs of obvious infestation, standing water, or major grading issues visible in photo."
}
],
"red_flags": [
"egress_risk_due_to_jalousie_windows (possible noncompliant bedroom egress)",
"roof_appears_aged - may need replacement in near term",
"no_visible_smoke_or_co_detectors_from_exterior_view (must verify inside)",
"porch_awningsagging_or_damaged - potential falling hazard",
"porch_handrail_may_be_insufficient_or_damaged (trip/fall risk)",
"mechanical_systems_unverified (no external HVAC unit visible; heating/cooling unknown)"
],
"confidence": 0.55,
"assumptions": [
"Interior condition is not visible; assumed 'maintained' per listing but may have typical cosmetic wear.",
"No visible external HVAC condenser was observed; assume heating/cooling exist but condition unknown until interior/side/back inspection.",
"No active roof leaks or interior ceiling collapse are present (none visible from exterior photo); assume roof is aged but intact.",
"Jalousie-style windows likely in bedrooms; assume potential egress noncompliance risk until measured.",
"Tenant-occupied status limits interior verification; recommendations assume an interior inspection will be scheduled before closing/lease.",
"No visible signs of major foundation movement or large exterior structural failures in provided photo."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1436 Princeton Ave N, Tarrant, AL, 35217",
"aggregate": {
"summary": "Based on exterior photos and listing text, the house appears economically repairable and likely to be rentable after minor repairs, but there are moderate NSPIRE risks that require interior verification. Primary concerns: unknown presence/location of smoke/CO detectors and GFCI, potential non-compliant bedroom egress (older jalousie windows), missing/unknown HVAC, and a damaged porch awning. With an interior walk-through and likely small repairs (detectors, possibly window upgrades or clearances, awning/porch fixes, and verification/servicing of mechanicals), this property would likely pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Exterior photos show generally intact vinyl siding, painted block foundation and maintained lawn. Visible minor deferred maintenance: bent/damaged metal porch awning and minor porch wear. No obvious collapsed or severely damaged surfaces. Property is tenant-occupied and listing states it has been maintained. Interior condition not visible; assuming no large-scale cosmetic failure. Missing appliances cannot be confirmed from exterior images and are treated as moderate risk only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Yard is mowed and driveway/walkway to the front door are present. Vinyl siding and foundation block are intact in the visible areas. The adjacent property to the right shows severe exterior deterioration which may increase pest/blight risk and could impact inspections or tenant safety. No standing water, major foundation cracks or collapsed porches visible in the photo. Minor site concerns: damaged porch awning and potential vegetation near foundation that should be cleared."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 58.3,
"rationale": "Exterior inspection cannot confirm presence or placement of smoke/CO detectors, GFCI outlets, or hot water. Windows visible appear to be older jalousie-style or horizontal-sash glass which can fail bedroom-egress requirements in some jurisdictions — potential egress risk. Entry has a covered porch and railings, but awning damage and small steps could present a trip/hazard issue. No exposed electrical lines or obvious structural sagging seen from the photo. Because interior life-safety items are unknown and egress/windows are questionable, there is a moderate risk of an initial NSPIRE failure without interior remediation."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical)",
"score": 56.7,
"rationale": "Roof appears aged but not actively sagging or visibly collapsed; shingles look weathered and may be nearing typical service-life but no active leaks are observable from the photo. No exterior HVAC condenser or heat source is visible in the front view (could be at rear), so presence and condition of heating/air systems are unknown. Plumbing, water heater and electrical panel condition cannot be confirmed from exterior images; given the 1958 build date and typical lifecycle, expect older systems that may need inspection/maintenance. Moderate score reflects likely functional systems but notable unknowns and likely near-term capital maintenance."
}
],
"red_flags": [
"No visible heating/AC equipment in front view (no visible external HVAC condenser) — interior confirmation needed.",
"Possible non-compliant bedroom egress windows (older jalousie/horizontal windows visible) — potential NSPIRE failure if bedrooms lack compliant egress.",
"Damaged metal porch awning creating a potential falling/debris hazard over entry steps.",
"Adjacent property with severe exterior deterioration (visible on right) — raises pest, safety, or code-enforcement risk that could affect occupancy or inspections."
],
"confidence": 0.95,
"assumptions": [
"Interior was not available for review; assume interior is generally maintained per listing but contains typical mid-century finishes.",
"No active roof leaks or interior water damage are present (inference from lack of visible exterior failure), but roof shingles appear aged.",
"HVAC and water heater exist and are operational but their condition is unknown; absence of visible exterior condenser in front photo does not prove lack of heating/cooling.",
"Smoke and carbon monoxide detectors, GFCI protection, and hot water are not visible from exterior photos and should be confirmed during inspection.",
"Windows shown likely serve bedrooms; assume some may not meet modern egress requirements (jalousie/older sash) and could require upgrade depending on inspector determination.",
"Appliances (stove/refrigerator) not visible; missing appliances would be moderate score deductions but are not automatic fail items."
],
"score_method": "mean_of_criteria",
"overall_score": 64.3,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7858228120"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.