Property ID: 7862350118
335 1st Ave NW, Graysville, AL, 35073
Graysville, AL
Money Down: $26,400
CoC Return: 16.73%
Monthly Cash Flow: $368
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,000
Closing Costs
$4,400
Total Down
$26,400
Investment Snapshot
Purchase Price
$110,000
Money Down
$26,400
Cash-on-Cash Return
16.73%
Rent
$1,215
Monthly Cash Flow
$368
Annual Cash Flow
$4,417
Debt Service / Mo
$585
Property Tax / Mo
$79
Insurance / Mo
$61
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,215
Payment Standard
$1,518
Rent
$1,215
Insurance
$61
Property Tax
$79
Management
$122
Utilities Allowance
$303
NOI (Monthly)
$954
Debt Service
$585
Cash Flow After Debt
$368
Quality Score: 80.60%
Confidence: 88.00%
This single-level 3-bed / 1-bath home is largely turnkey for a Housing Choice Voucher initial inspection. Interior and exterior photos show recent cosmetic updates (paint, flooring) and the listing documents major system replacements in 2021 (roof, HVAC, water heater). Visible smoke detector(s) and intact exterior electrical service reduce NSPIRE safety risk. Expected work to reach pass-ready status would be minor: repair/finish trim and floor gaps, touch-up paint, address minor porch/railing wear and the small retaining wall settlement. Recommend verification of GFCI protection in kitchen/bath, functional smoke/CO detectors per local code, and a quick check of the electrical panel and hot water operation prior to inspection. With those quick checks and minor touch-ups, this property is likely to pass an initial Section 8/NSPIRE inspection within 1-2 weeks.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$303
Guaranteed Section 8 Rent (PS - Utilities)
$1,215
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
3
Baths
1
Living Area
1,173 sqft
Lot Size
8,712 sqft
Year Built
1953
Days on Market
20
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$79
Insurance / Mo
$61
Property Description
Welcome to 335 1st Ave NW! The perfect ONE level living, low maintenance home. Home has been freshly painted and the floors replaced. Complete with 3 bedrooms, 1 bathroom and a great backyard, this is a perfect starter home or a great home for downsizing. Roof 2021. HVAC 2021. Water heater 2021. INVESTORS: Previously rented at $1,250/mo. Schedule your showing today!
Utility Allowances
Heating
$42
Selected 'N'Gas: Graysville' for a 3-bedroom unit, as the property has natural gas heating and is located in Graysville.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has central air (electric). Alabama Power is a major regional provider and the most expensive available option, chosen for a conservative estimate.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit, as the property has an electric stove. Alabama Power is assumed as the provider, consistent with other electric utilities.
Water Heating
$36
Selected 'N'Gas: Graysville' for a 3-bedroom unit, as the property has a gas water heater and is located in Graysville.
Water
$100
Selected 'Water: Graysville' for a 3-bedroom unit, as property details indicate public water in Graysville.
Sewer
$0
Allowance is $0 because the property is listed as having a Septic Tank, not a public sewer service.
Trash Collection
$0
Selected 'Graysville ISCL'. The $0 allowance indicates this service is likely provided by the municipality at no direct monthly cost to the tenant.
Other Electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit to cover general electricity usage, consistent with the assumed electric provider.
Refrigerator
$8
An allowance for a tenant-owned refrigerator is included as the property data, while listing a refrigerator for a past sale, does not guarantee it's provided for rental.
Range & Microwave
$6
An allowance for a tenant-owned microwave is included as one is not mentioned as being supplied with the property.
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$589
DP3 Annual Estimate$870
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$72
Replacement Value$70,500
Basis1,173 sqft / 1953
Nearby Houses
Photo unavailable
353 1st Ave NW
sold · 0.02 mi
Price: $102,000
2 bd / 1 ba · 720 sqft
Latest sale: $102,000 on Oct 26, 2021
Latest rent: $895 on Dec 14, 2023
Photo unavailable
342 Center Ave NW
sold · 0.04 mi
Price: $155,000
3 bd / 1 ba · 1,289 sqft
Latest sale: $155,000 on Apr 25, 2024
Latest rent: —
Photo unavailable
336 1st Ave
for_sale · 0.04 mi
Price: $129,000
4 bd / 2 ba · 1,196 sqft
Latest sale: $128,500 on Aug 28, 2023
Latest rent: $1,195 on Dec 20, 2024
Photo unavailable
10 NW 3rd St
sold · 0.04 mi
Price: $151,500
4 bd / 2 ba · 1,293 sqft
Latest sale: $151,500 on Feb 18, 2022
Latest rent: —
Photo unavailable
328 1st Ave NW
sold · 0.04 mi
Price: $79,900
3 bd / 2 ba · 1,523 sqft
Latest sale: $79,900 on Apr 26, 2019
Latest rent: —
Photo unavailable
362 Center Ave NW
sold · 0.06 mi
Price: $85,500
2 bd / 1 ba · 1,024 sqft
Latest sale: $85,500 on Aug 04, 2021
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Roof, HVAC and water heater replacements listed as 2021 are functional and were installed to code.
- Appliances shown (stove and refrigerator) are operational; stove appears electric (no visible gas meter) so CO detector likely not required by local code.
- Bedrooms (not fully pictured) have required egress windows consistent with similar homes of this era; no basement egress issues.
- Electrical service is intact and the main panel is present and in good condition though not pictured.
- No active roof leaks or prior significant water intrusion exist beyond what is visible in photos.
- No concealed severe hazards (major mold, structural settlement, or hidden electrical faults) beyond minor exterior retaining wall settlement.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $922 | $79,100 | $15,820 |
| 2023 | $922 | $79,100 | $15,820 |
| 2022 | $693 | $59,500 | $11,900 |
| 2021 | $235 | $49,300 | $4,940 |
| 2020 | $235 | $49,300 | $4,940 |
| 2019 | $235 | $49,300 | $4,940 |
| 2018 | $194 | $42,300 | $4,240 |
| 2017 | $191 | $41,900 | $4,200 |
| 2016 | $191 | $41,900 | $4,200 |
| 2015 | $191 | $41,900 | $4,200 |
| 2013 | $188 | $41,300 | $4,140 |
| 2012 | $187 | $41,270 | $4,127 |
| 2011 | $191 | $41,900 | $4,190 |
| 2010 | $191 | $41,900 | $4,190 |
| 2009 | $191 | $41,900 | $4,190 |
| 2008 | $202 | $42,900 | $4,290 |
| 2007 | $205 | $43,400 | $4,340 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-11-19 | Sold | $112,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-02-18 | Listed for rent | $1,350 | — |
| 2022-08-09 | Listed for rent | $1,010 | — |
| 2022-01-15 | Listed for rent | $950 | — |
| 2021-12-07 | Listed for rent | $900 | — |
| 2021-11-23 | Listed for rent | $900 | — |
Photo Gallery
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"land": 860,
"total": 4290,
"building": 3430
}
},
{
"tax": 205,
"year": 2007,
"market": {
"land": 8600,
"total": 43400,
"building": 34800
},
"assessment": {
"land": 860,
"total": 4340,
"building": 3480
}
}
],
"property_history": [
{
"date": "2026-01-26",
"price": 110000,
"listing": {
"status": "for_sale",
"list_date": "2026-01-26T22:54:58Z",
"list_price": 110000,
"listing_id": "2990665280",
"last_update_date": "2026-02-15T02:08:30Z",
"last_status_change_date": "2026-01-26T22:54:58Z"
},
"event_name": "Listed",
"price_sqft": 93.77664109121909,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21441903",
"price_change_percentage": "-1.79%"
},
{
"date": "2024-04-04",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2024-02-17T18:13:42Z",
"list_price": 1000,
"listing_id": "2964221276",
"last_update_date": "2024-03-22T18:14:56Z",
"last_status_change_date": "2024-04-04T00:19:29Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "RentRedi",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "-Nqs0KmasRFk95fu8AfW$Main",
"price_change_percentage": null
},
{
"date": "2024-03-22",
"price": 1000,
"listing": {
"status": "off_market",
"list_date": "2024-02-17T18:13:42Z",
"list_price": 1000,
"listing_id": "2964221276",
"last_update_date": "2024-03-22T18:14:56Z",
"last_status_change_date": "2024-04-04T00:19:29Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.8333333333333334,
"source_name": "RentRedi",
"price_change": -150,
"days_after_listed": null,
"source_listing_id": "-Nqs0KmasRFk95fu8AfW$Main",
"price_change_percentage": null
},
{
"date": "2024-03-17",
"price": 1150,
"listing": {
"status": "off_market",
"list_date": "2024-02-17T18:13:42Z",
"list_price": 1000,
"listing_id": "2964221276",
"last_update_date": "2024-03-22T18:14:56Z",
"last_status_change_date": "2024-04-04T00:19:29Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.9583333333333334,
"source_name": "RentRedi",
"price_change": -200,
"days_after_listed": null,
"source_listing_id": "-Nqs0KmasRFk95fu8AfW$Main",
"price_change_percentage": null
},
{
"date": "2024-02-18",
"price": 1350,
"listing": {
"status": "off_market",
"list_date": "2024-02-17T18:13:42Z",
"list_price": 1000,
"listing_id": "2964221276",
"last_update_date": "2024-03-22T18:14:56Z",
"last_status_change_date": "2024-04-04T00:19:29Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 1.125,
"source_name": "RentRedi",
"price_change": -50,
"days_after_listed": null,
"source_listing_id": "-Nqs0KmasRFk95fu8AfW$Main",
"price_change_percentage": null
},
{
"date": "2024-02-17",
"price": 1400,
"listing": {
"status": "off_market",
"list_date": "2024-02-17T18:13:42Z",
"list_price": 1000,
"listing_id": "2964221276",
"last_update_date": "2024-03-22T18:14:56Z",
"last_status_change_date": "2024-04-04T00:19:29Z"
},
"event_name": "Listed for rent",
"price_sqft": 1.1666666666666667,
"source_name": "RentRedi",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "-Nqs0KmasRFk95fu8AfW$Main",
"price_change_percentage": null
},
{
"date": "2022-09-20",
"price": 925,
"listing": {
"status": "off_market",
"list_date": "2022-09-20T02:48:52Z",
"list_price": 925,
"listing_id": "2944488379",
"last_update_date": "2022-06-23T10:54:09Z",
"last_status_change_date": "2022-09-20T02:48:52Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1324558",
"price_change_percentage": null
},
{
"date": "2022-09-01",
"price": 1010,
"listing": {
"status": "off_market",
"list_date": "2022-08-17T20:21:50Z",
"list_price": 1010,
"listing_id": "2946808331",
"last_update_date": "2022-09-01T15:56:22Z",
"last_status_change_date": "2022-09-01T16:20:28Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1331314",
"price_change_percentage": null
},
{
"date": "2022-08-17",
"price": 1010,
"listing": {
"status": "off_market",
"list_date": "2022-08-17T20:21:50Z",
"list_price": 1010,
"listing_id": "2946808331",
"last_update_date": "2022-09-01T15:56:22Z",
"last_status_change_date": "2022-09-01T16:20:28Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1331314",
"price_change_percentage": null
},
{
"date": "2021-11-19",
"price": 112000,
"listing": {
"status": "sold",
"list_date": "2021-12-20T21:21:38Z",
"list_price": 112000,
"listing_id": "2938289057",
"last_update_date": "2021-12-20T20:42:35Z",
"last_status_change_date": "2021-12-20T21:21:38Z"
},
"event_name": "Sold",
"price_sqft": 95.48167092924126,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1306308",
"price_change_percentage": null
},
{
"date": "2021-07-09",
"price": 85000,
"listing": null,
"event_name": "Sold",
"price_sqft": 72.46376811594203,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1993-02-24",
"price": 22500,
"listing": null,
"event_name": "Sold",
"price_sqft": 19.18158567774936,
"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": "7862350118",
"generated_at": "2026-02-16T02:04:04.466216Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 80.6
},
"utility_allowance": {
"zip_code": "35073",
"home_photo": "https://ap.rdcpix.com/7cedb832f1c557bbd5947be2411b0747l-m3095269148s-w1280.jpg",
"rent_price": 1215.0,
"loan_amount": 88000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/335-1st-Ave-NW_Graysville_AL_35073_M78623-50118",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 110000.0,
"loan_term_years": 30,
"annual_cash_flow": 11442.84,
"mortgage_monthly": 585.47,
"payment_standard": 1518.0,
"total_amount_out": 22000.0,
"additional_photos": [
"https://ap.rdcpix.com/7cedb832f1c557bbd5947be2411b0747l-m884624925s-w1280.jpg",
"https://ap.rdcpix.com/7cedb832f1c557bbd5947be2411b0747l-m46537923s-w1280.jpg",
"https://ap.rdcpix.com/7cedb832f1c557bbd5947be2411b0747l-m1869510971s-w1280.jpg",
"https://ap.rdcpix.com/7cedb832f1c557bbd5947be2411b0747l-m2707549194s-w1280.jpg",
"https://ap.rdcpix.com/7cedb832f1c557bbd5947be2411b0747l-m3808555021s-w1280.jpg",
"https://ap.rdcpix.com/7cedb832f1c557bbd5947be2411b0747l-m185573387s-w1280.jpg",
"https://ap.rdcpix.com/7cedb832f1c557bbd5947be2411b0747l-m3229862342s-w1280.jpg",
"https://ap.rdcpix.com/7cedb832f1c557bbd5947be2411b0747l-m2978523864s-w1280.jpg",
"https://ap.rdcpix.com/7cedb832f1c557bbd5947be2411b0747l-m726921964s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 60.79,
"monthly_cash_flow": 953.57,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'N'Gas: Graysville' for a 3-bedroom unit, as the property has natural gas heating and is located in Graysville.",
"utility": "Heating",
"allowance": 42
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has central air (electric). Alabama Power is a major regional provider and the most expensive available option, chosen for a conservative estimate.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit, as the property has an electric stove. Alabama Power is assumed as the provider, consistent with other electric utilities.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'N'Gas: Graysville' for a 3-bedroom unit, as the property has a gas water heater and is located in Graysville.",
"utility": "Water Heating",
"allowance": 36
},
{
"note": "Selected 'Water: Graysville' for a 3-bedroom unit, as property details indicate public water in Graysville.",
"utility": "Water",
"allowance": 100
},
{
"note": "Allowance is $0 because the property is listed as having a Septic Tank, not a public sewer service.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Selected 'Graysville ISCL'. The $0 allowance indicates this service is likely provided by the municipality at no direct monthly cost to the tenant.",
"utility": "Trash Collection",
"allowance": 0
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit to cover general electricity usage, consistent with the assumed electric provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "An allowance for a tenant-owned refrigerator is included as the property data, while listing a refrigerator for a past sale, does not guarantee it's provided for rental.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "An allowance for a tenant-owned microwave is included as one is not mentioned as being supplied with the property.",
"utility": "Range & Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.52,
"down_payment_amount": 22000.0,
"property_tax_annual": 949.66,
"property_tax_monthly": 79.14,
"property_tax_increase": 0.03,
"utility_allowance_total": 303.0,
"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": 4417.25,
"property_management_monthly": 121.5,
"monthly_cash_flow_after_debt": 368.1,
"cash_on_cash_return_after_debt": 0.2
},
"section8_assessment": {
"runs": [
{
"summary": "This single-level 3-bed / 1-bath home is largely turnkey for a Housing Choice Voucher initial inspection. Interior and exterior photos show recent cosmetic updates (paint, flooring) and the listing documents major system replacements in 2021 (roof, HVAC, water heater). Visible smoke detector(s) and intact exterior electrical service reduce NSPIRE safety risk. Expected work to reach pass-ready status would be minor: repair/finish trim and floor gaps, touch-up paint, address minor porch/railing wear and the small retaining wall settlement. Recommend verification of GFCI protection in kitchen/bath, functional smoke/CO detectors per local code, and a quick check of the electrical panel and hot water operation prior to inspection. With those quick checks and minor touch-ups, this property is likely to pass an initial Section 8/NSPIRE inspection within 1-2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears freshly painted and floors recently replaced; kitchen counters and cabinets are serviceable. Appliances (stove and refrigerator) are shown in photos so no major appliance replacements required. Minor visible issues: small wall/ceiling seams, minor paint imperfections, a few floorboard gaps and slightly worn porch railings. Overall cosmetic and minor repair needs only; no evidence of major deferred maintenance inside."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 85.0,
"rationale": "Photos show at least one smoke detector installed in living area. No visible exposed wiring, no collapsed ceilings, no standing water, and entry door appears secure. Windows visible look typical for bedroom/living egress; no obvious blocked exits. No visible mold, peeling paint, or serious trip hazards. Carbon monoxide detector not visible but listing shows no obvious gas meter or gas appliances; assume electric appliances. Electrical panel not shown (meter present outside) so assumed intact. Overall low NSPIRE safety risk based on visible conditions."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 88.0,
"rationale": "Listing states roof, HVAC and water heater replaced in 2021; exterior A/C condenser visible and looks intact. No visible roof sagging or active leaks. Kitchen plumbing fixtures and water connections appear intact in photos. Electrical meter and service appear present and connected. Based on listing dates and visible equipment, major systems are likely in good working order — small risk remains because internal mechanical checks (panel, hot water operation) are not visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.0,
"rationale": "Exterior siding and metal roof appear in generally good condition; front porch is functional though paint/wear present. Walkway is intact; front retaining/landscaping wall shows minor settling and displacement of blocks which is cosmetic but should be monitored. Large tree near the house could present future root/roof issues but currently no visible foundation movement or major drainage problems. Yard and site show normal wear but no immediate severe exterior hazards."
},
{
"key": "rental_history_activity",
"label": "Recent 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": [],
"confidence": 0.78,
"assumptions": [
"Roof, HVAC and water heater replacements listed as 2021 are functional and were installed to code.",
"Appliances shown (stove and refrigerator) are operational; stove appears electric (no visible gas meter) so CO detector likely not required by local code.",
"Bedrooms (not fully pictured) have required egress windows consistent with similar homes of this era; no basement egress issues.",
"Electrical service is intact and the main panel is present and in good condition though not pictured.",
"No active roof leaks or prior significant water intrusion exist beyond what is visible in photos.",
"No concealed severe hazards (major mold, structural settlement, or hidden electrical faults) beyond minor exterior retaining wall settlement."
],
"overall_score": 87.2,
"rubric_version": "ns-predictor-v1.0"
},
{
"summary": "Overall the property appears turnkey for HCV/Section 8 occupancy with recent major system replacements (roof, HVAC, water heater in 2021), new-looking floors and paint, working kitchen appliances, and active rental history. Most items visible are cosmetic or easy fixes (rail/paint, GFCI verification, smoke/CO confirmation). Anticipated to pass an initial NSPIRE/HCV inspection after verification of smoke/CO detectors, GFCI protection in kitchen/bathrooms (or GFCI breakers), and confirmation that deadbolt is present/functional. Estimated rent-ready timeline: within 1–2 weeks for paperwork and minor items, up to 30 days only if electrical/GFCI or detector work is needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior and exterior show recent cosmetic work: fresh paint, replaced flooring, intact trim and new-looking vinyl siding in primary views. Kitchen and appliance set (stove and refrigerator) are present. Porch railings and some trim show minor wear/peeling paint; raised garden wall has minor settling. No visible broken windows, missing doors, or exposed subfloor. Missing or worn fixtures appear to be cosmetic and easy to remediate."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 78.0,
"rationale": "Smoke detectors visible in living areas (at least one present). Bedrooms/windows appear to provide egress-sized windows (standard single-story windows visible). No obvious exposed wiring, no collapsed ceilings, no visible severe water intrusion or mold. Entry door appears secure; a deadbolt is not clearly visible in photos (assumed present per common installation). GFCI protection at kitchen counters is not clearly visible in the photos and could be required; CO detector not visible (likely not required for electric-only stove but may be required if fuel appliances exist). Electrical meter and exterior panel are present and appear intact. Overall low-to-moderate NSPIRE risk with a small number of verifications/quick fixes likely required pre-inspection (GFCI checks, verify deadbolt and CO detector if applicable)."
},
{
"key": "systems_mechanical",
"label": "Major Systems Condition",
"score": 85.0,
"rationale": "Listing states roof (2021), HVAC (2021) and water heater (2021); exterior AC condenser visible. Electrical meter/panel in good visual condition. No visible roof sagging, active leaks, or plumbing failures in provided images. Given age of systems indicated and visible equipment, major systems appear recently replaced and likely functional; recommended verification of HVAC operation, hot water, and plumbing at move-in/inspection but low risk for immediate failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Front yard, walkways and porch are intact and level; concrete path is serviceable. Siding generally looks good; a section of older siding is visible on the right elevation which appears cosmetic. Large tree near the house could present future root or gutter/roof debris issues but no current structural impact is visible. Foundation appears closed/crawlspace type with vents; no visible major foundation cracking or settling in provided photos. Minor landscaping cleanup recommended."
},
{
"key": "rental_history_activity",
"label": "Recent 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": [],
"confidence": 0.75,
"assumptions": [
"Listing claims (roof, HVAC, and water heater replaced in 2021) are accurate and units are operational.",
"Bedrooms not individually photographed have code-compliant egress windows of adequate size.",
"Front entry door includes a functioning deadbolt or equivalent keyed lock (not clearly visible in photos).",
"No fuel-burning appliances requiring CO detection are present (stove pictured is electric); if fuel appliances exist, CO detector(s) will be required.",
"GFCI outlets or breaker protection may be present but not visible in photos; if absent, adding GFCI protection will be a quick corrective item.",
"No unseen crawlspace/foundation moisture, pest, or major electrical/plumbing issues exist beyond what is visible; photos show no signs of severe hidden damage."
],
"overall_score": 82.0,
"rubric_version": "nspr_v1.0"
},
{
"summary": "Overall this single-family home appears largely turnkey for a Housing Choice Voucher initial inspection. Recent major system replacements (roof, HVAC, water heater - 2021), fresh paint, and new floors reduce inspection risk. Expected inspection issues to proactively address: verify/install required carbon monoxide alarm (if fuel appliances present), install/verify GFCI protection in kitchen/bath, confirm bedroom egress dimensions and operation of windows, and touch up porch/trim paint. With those minor items verified or corrected the property is likely to pass an initial NSPIRE/HCV inspection and be rent-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Photos and listing show a recently painted interior, replaced floors, intact windows and functioning interior finishes. Kitchen and cabinets are older but appear serviceable; appliances (stove and refrigerator) are present. Exterior porch railings and trim show cosmetic wear and could use repainting; raised bed block wall shows minor settling. No visible major damage, collapsed ceilings, or exposed subfloor. Overall mostly cosmetic and minor repair items that are easy to fix; missing capital items are minimal since fridge/stove are present."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "A smoke detector is visible in the living area and hallway. Exterior meter/panel and an exterior AC unit are visible and appear secured. No obvious exposed wiring, active roof leaks, or severe trip hazards in photos. Potential issues: no carbon monoxide detector is visible (requirement depends on local code and fuel appliances), kitchen GFCI outlet(s) are not visible and may be missing, and bedroom egress cannot be fully confirmed from provided photos (windows appear typical size but their operability/egress dimensions not verified). Because some NSPIRE-required items (GFCI, CO alarms, verified bedroom egress) cannot be confirmed, assign a moderate safety risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 85.0,
"rationale": "Listing notes roof, HVAC, and water heater replaced in 2021; an exterior AC unit is visible. Interior shows ceiling vents and functioning light fixtures. No visible signs of active plumbing leaks, major roof failure, or missing heating/cooling equipment. Electrical meter and service appear present on exterior. Based on listing ages and visible condition, major systems likely in good working order, though on-site verification (operation of HVAC, hot water, electrical panel labeling) is recommended."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site & walkways",
"score": 75.0,
"rationale": "Vinyl siding and windows appear intact; concrete walk and porch are serviceable. Porch posts/railings are present though paint and minor wood wear exist. Raised planters show slight block settling. Foundation is a crawlspace type visible in photos with no obvious large settlement or foundation crack evidence. Yard is level with no standing water visible. Overall, small exterior maintenance items but no major envelope failure observed."
},
{
"key": "rental_history_activity",
"label": "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": 0.75,
"assumptions": [
"Listing statement that roof (2021), HVAC (2021), and water heater (2021) is accurate and systems are operational.",
"Appliances shown (electric stove and refrigerator) are functional; absence of other appliances (washer/dryer) is not required for initial HCV pass.",
"Bedrooms have egress windows of adequate size though exact dimensions and operability were not photographed.",
"No active plumbing leaks, significant mold, or hidden structural issues exist beyond what is visible in photos; interior ceilings show no active collapse or severe sagging.",
"Electrical service/panel shown at exterior is intact and has proper overcurrent protection; detailed panel labeling and testing were not available from photos.",
"Local code/inspector will require a carbon monoxide alarm only if a fuel-burning appliance (gas water heater/furnace) is present; presence/absence of CO alarm is unknown from photos.",
"GFCI outlets in kitchen/bath were not visible and may need installation or testing onsite."
],
"overall_score": 82.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "335 1st Ave NW, Graysville, AL, 35073",
"aggregate": {
"summary": "This single-level 3-bed / 1-bath home is largely turnkey for a Housing Choice Voucher initial inspection. Interior and exterior photos show recent cosmetic updates (paint, flooring) and the listing documents major system replacements in 2021 (roof, HVAC, water heater). Visible smoke detector(s) and intact exterior electrical service reduce NSPIRE safety risk. Expected work to reach pass-ready status would be minor: repair/finish trim and floor gaps, touch-up paint, address minor porch/railing wear and the small retaining wall settlement. Recommend verification of GFCI protection in kitchen/bath, functional smoke/CO detectors per local code, and a quick check of the electrical panel and hot water operation prior to inspection. With those quick checks and minor touch-ups, this property is likely to pass an initial Section 8/NSPIRE inspection within 1-2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.3,
"rationale": "Interior appears freshly painted and floors recently replaced; kitchen counters and cabinets are serviceable. Appliances (stove and refrigerator) are shown in photos so no major appliance replacements required. Minor visible issues: small wall/ceiling seams, minor paint imperfections, a few floorboard gaps and slightly worn porch railings. Overall cosmetic and minor repair needs only; no evidence of major deferred maintenance inside."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 77.7,
"rationale": "Exterior siding and metal roof appear in generally good condition; front porch is functional though paint/wear present. Walkway is intact; front retaining/landscaping wall shows minor settling and displacement of blocks which is cosmetic but should be monitored. Large tree near the house could present future root/roof issues but currently no visible foundation movement or major drainage problems. Yard and site show normal wear but no immediate severe exterior hazards."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 77.7,
"rationale": "Photos show at least one smoke detector installed in living area. No visible exposed wiring, no collapsed ceilings, no standing water, and entry door appears secure. Windows visible look typical for bedroom/living egress; no obvious blocked exits. No visible mold, peeling paint, or serious trip hazards. Carbon monoxide detector not visible but listing shows no obvious gas meter or gas appliances; assume electric appliances. Electrical panel not shown (meter present outside) so assumed intact. Overall low NSPIRE safety risk based on visible conditions."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 86.0,
"rationale": "Listing states roof, HVAC and water heater replaced in 2021; exterior A/C condenser visible and looks intact. No visible roof sagging or active leaks. Kitchen plumbing fixtures and water connections appear intact in photos. Electrical meter and service appear present and connected. Based on listing dates and visible equipment, major systems are likely in good working order — small risk remains because internal mechanical checks (panel, hot water operation) are not visible."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"Roof, HVAC and water heater replacements listed as 2021 are functional and were installed to code.",
"Appliances shown (stove and refrigerator) are operational; stove appears electric (no visible gas meter) so CO detector likely not required by local code.",
"Bedrooms (not fully pictured) have required egress windows consistent with similar homes of this era; no basement egress issues.",
"Electrical service is intact and the main panel is present and in good condition though not pictured.",
"No active roof leaks or prior significant water intrusion exist beyond what is visible in photos.",
"No concealed severe hazards (major mold, structural settlement, or hidden electrical faults) beyond minor exterior retaining wall settlement."
],
"score_method": "mean_of_criteria",
"overall_score": 80.6,
"rubric_version": "ns-predictor-v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7862350118"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.