Property ID: 7865650340
57 17th Ct S, Birmingham, AL, 35205
Birmingham, AL
Money Down: $24,000
CoC Return: 26.97%
Monthly Cash Flow: $539
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$20,000
Closing Costs
$4,000
Total Down
$24,000
Investment Snapshot
Purchase Price
$100,000
Money Down
$24,000
Cash-on-Cash Return
26.97%
Rent
$1,355
Monthly Cash Flow
$539
Annual Cash Flow
$6,473
Debt Service / Mo
$532
Property Tax / Mo
$76
Insurance / Mo
$71
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,355
Payment Standard
$1,870
Rent
$1,355
Insurance
$71
Property Tax
$76
Management
$136
Utilities Allowance
$515
NOI (Monthly)
$1,072
Debt Service
$532
Cash Flow After Debt
$539
Quality Score: 70.70%
Confidence: 87.00%
Overall this 3BR/1BA bungalow shows a recent cosmetic refresh, functional kitchen and bath fixtures, and appliances present. The property appears rentable with mostly minor repairs and cleaning needed and should be able to pass an initial HCV/NSPIRE inspection after addressing a few code items. Primary inspection risks are missing/insufficient smoke and carbon monoxide detectors, lack of visible GFCI protection in kitchen/bath, and verification of HVAC, water heater and electrical panel condition. Exterior requires minor maintenance (trim, masonry, drainage) but no obvious structural failures were observed in the supplied photos.
Section 8 Payment Standard
$1,870
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$1,355
Property Management
$136
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$100,000
Beds
3
Baths
1
Living Area
896 sqft
Lot Size
5,227 sqft
Year Built
1945
Days on Market
229
Capital Outlay
$24,000
Debt Service
$532
Property Tax / Mo
$76
Insurance / Mo
$71
Property Description
This home is ready for it's new owner! Whether you are looking for a single family home or are an investor looking for a rental property, this home checks the boxes! It is ready to move in & if interested in purchasing as a rental, it is currently managed by Evernest Property Management group & can easily be transferred!
Utility Allowances
heating
$93
Property has 'Central' heating. Based on other major appliances being electric, Electric heating is assumed. 'Elec Heat: Ala Power' was chosen as the most expensive and common electric provider listed.
cooling
$22
Property has 'Central Air' which is electric. 'A/C: Alabama Power' was chosen as the most expensive and common electric provider listed.
water_heating
$56
Property has an 'Electric Water Heater'. 'Elec: Ala Power' was chosen as the most expensive and common electric provider listed.
cooking
$21
Property has an 'Electric Cooktop' and 'Electric Oven'. 'Elec: Ala Power' was chosen as the most expensive and common electric provider listed.
other_electric
$68
This covers general electric use like lighting. An allowance for a landlord-provided Refrigerator is included in this line item per the schedule. 'Lights, Ref, Etc.: Ala Power' was chosen as the most expensive and common provider.
water
$78
Property info states 'Public Water'. The 'Water: Birmingham' option was selected as the most relevant for a Birmingham address.
sewer
$151
Property info states 'Sewer: Connected'. The allowance is a fixed value for a 3-bedroom unit.
trash_collection
$20
Trash collection is assumed for a single-family home. 'Jefferson City (Once per week)' was selected as the most appropriate service option for a Birmingham address within Jefferson County.
range_microwave
$6
A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned. The allowance is a fixed value.
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$705
DP3 Annual Estimate$1,007
DP1 Monthly Equivalent$59
DP3 Monthly Equivalent$84
Replacement Value$85,200
Basis896 sqft / 1945
Nearby Houses
Photo unavailable
52 17th Ct S
for_sale · 0.04 mi
Price: $95,000
2 bd / 1 ba · 864 sqft
Latest sale: $25,000 on Nov 01, 1989
Latest rent: —
Photo unavailable
48 S 18th Ave
sold · 0.04 mi
Price: $80,000
3 bd / 1 ba · 1,176 sqft
Latest sale: $80,000 on Mar 04, 2022
Latest rent: $950 on Mar 05, 2014
Photo unavailable
50 17th Ct S
sold · 0.04 mi
Price: $42,000
2 bd / 1 ba · 1,160 sqft
Latest sale: $42,000 on Sep 20, 2019
Latest rent: —
Photo unavailable
44 17th Ct S
for_sale · 0.06 mi
Price: $65,000
2 bd / 1 ba · 946 sqft
Latest sale: $26,900 on Jan 26, 2018
Latest rent: $525 on Jun 18, 2013
Photo unavailable
57 18th Ave S
for_sale · 0.06 mi
Price: $120,000
3 bd / 2 ba · 1,200 sqft
Latest sale: $97,000 on Jan 24, 2019
Latest rent: $1,125 on Aug 01, 2024
Photo unavailable
63 17th Ave S
sold · 0.06 mi
Price: $15,000
3 bd / 2 ba
Latest sale: $15,000 on Aug 12, 2016
Latest rent: —
Photo unavailable
53 17th Ave S
sold · 0.06 mi
Price: $45,501
3 bd / 2 ba · 1,169 sqft
Latest sale: $45,501 on Nov 29, 2022
Latest rent: $1,995 on Jan 07, 2024
Photo unavailable
1741 1st St S
sold · 0.07 mi
Price: $31,500
2 bd / 1 ba · 1,100 sqft
Latest sale: $31,500 on Nov 22, 2021
Latest rent: $1,339 on Sep 08, 2023
Photo unavailable
1717 Center Way S
sold · 0.07 mi
Price: $125,000
2 bd / 2 ba · 912 sqft
Latest sale: $125,000 on Aug 07, 2025
Latest rent: —
Photo unavailable
1745 1st St S
sold · 0.07 mi
Price: $84,250
3 bd / 2 ba · 1,359 sqft
Latest sale: $84,250 on Mar 18, 2022
Latest rent: —
Photo unavailable
1709 1st St S
sold · 0.08 mi
Price: $93,000
3 bd / 1 ba · 1,110 sqft
Latest sale: $93,000 on Jun 07, 2024
Latest rent: $1,200 on Jan 22, 2026
Photo unavailable
1809 1st St S
sold · 0.10 mi
Price: $34,000
3 bd / 3 ba · 1,715 sqft
Latest sale: $34,000 on Apr 13, 2023
Latest rent: —
Photo unavailable
40 17th Ave S
sold · 0.11 mi
Price: $13,900
4 bd / — ba
Latest sale: $13,900 on Jan 24, 2017
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Only one smoke alarm visible; potentially insufficient smoke detector placement for NSPIRE (bedrooms/corridors).
- No carbon monoxide alarm visible (CO alarm may be required depending on fuel sources/municipal code).
- No visible GFCI protection in kitchen/bath areas in photos — likely corrective requirement.
Assumptions
- Forced-air HVAC exists because floor vents are visible; unit location and operational status were not photographed.
- Hot water heater is present in the home though not shown in photos; assumed functional until inspection.
- Bedroom windows are operable and provide egress (cannot confirm from photos; assumed typical single-hung operation).
- Only one smoke alarm was visible in photos; assume additional detectors were not installed unless documented otherwise.
- Electrical panel and GFCI protection locations were not photographed and must be verified on-site.
- Listing statement that property is managed by Evernest indicates active rental history and management transferability.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $891 | $94,700 | $18,940 |
| 2023 | $891 | $61,500 | $12,300 |
| 2022 | $614 | $50,300 | $10,060 |
| 2021 | $614 | $42,400 | $8,480 |
| 2020 | $614 | $42,400 | $8,480 |
| 2019 | $614 | $42,400 | $8,480 |
| 2018 | $648 | $44,700 | $8,940 |
| 2017 | $662 | $45,700 | $9,140 |
| 2016 | $648 | $44,700 | $8,940 |
| 2015 | $698 | $48,200 | $9,640 |
| 2011 | $353 | $60,400 | $6,040 |
| 2010 | $353 | $60,400 | $6,040 |
| 2009 | $353 | $60,400 | $6,040 |
| 2008 | $435 | $61,900 | $6,190 |
| 2007 | $744 | $52,500 | $10,500 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-02-12 | Sold | $95,000 |
| 2023-03-10 | Sold | $47,500 |
| 2014-04-08 | Sold | $13,100 |
| 2007-01-05 | Sold | $85,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-05-22 | Listed for rent | $1,245 | — |
| 2025-05-09 | Listed for rent | $1,245 | — |
| 2014-02-17 | Listed for rent | $700 | — |
Photo Gallery
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"parent_category": "Exterior"
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"category": "Exterior and Lot Features",
"parent_category": "Exterior"
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"Lot Size Square Feet: 5227"
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"category": "Land Info",
"parent_category": "Exterior"
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"Elementary School: WASHINGTON",
"High School: PARKER",
"Middle School: ARRINGTON"
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"category": "School Information",
"parent_category": "Community"
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{
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"Source Listing Status: Active",
"County: Jefferson",
"Directions: From Birmingham, take exit 124 B South to Montgomery. Exit 259A. Turn Right on 6th Ave S. Turn left on First Street S/ Turn Right on 17th Court S. Property is on your left.",
"Source Property Type: RESIDENTIAL",
"Area: Downtown Birmingham, Southside",
"Source Neighborhood: TITUSVILLE",
"Parcel Number: 29-00-11-2-013-003.000",
"Subdivision: TITUSVILLE",
"Property Subtype: Single Family"
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"Year Built: 1945",
"Construction Materials: Siding-Vinyl",
"Foundation Details: Crawl Space",
"Levels: 1-Story",
"Living Area Source: Per Tax Report",
"Property Age: 81",
"Levels or Stories: 1-Story",
"Total Area Main: 896",
"Total Area Upper: 0",
"Year Built Details: Existing"
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"category": "Building and Construction",
"parent_category": "Features"
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"fips_code": "01073",
"state_code": "AL"
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"line": "57 17th Ct S",
"unit": null,
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"country": "USA",
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"description": "Act Now! February Move-in Special!\nMove in now and enjoy a limited time rent incentive available this month only. Apply by February 17th to qualify. Ask us for details today! Restrictions may apply.\n\nWelcome to this 3-bedroom, 1-bath home for rent in Birmingham, featuring beautifully refinished hardwood floors, a welcoming living area with a decorative fireplace. enjoy the updated kitchen and bathroom spaces that blend modern comfort with classic character. The home includes spacious bedrooms, a well-appointed bathroom, and a functional layout that supports comfortable everyday living. This Birmingham rental home is professionally managed by Second Avenue. Contact us and apply online today!\n\nLOCATION: Near Birmingham Botanical Gardens, Railroad Park Foundation, and Birmingham Zoo. With easy access to I-65, I-20, and US-11.\n\nSCHOOL DISTRICT: Birmingham City School District\n\nOUTDOOR SPACE: Cozy front entryway with a patio and stairs leading up to the home. \n\nSecond Avenue is proud to offer the Hometown Hero Leasing Discount Program to honor and support local heroes, including police officers, firefighters, emergency medical personnel, educators, and government employees. Eligible participants who are fully approved for a lease will enjoy a reduced security deposit on their Second Avenue home. This offer cannot be combined with other promotions or discounts unless otherwise specified. Available in Select Markets - Ask About Eligibility.\n\nBy choosing a professionally managed rental home by Second Avenue, you'll enjoy personalized services such as our all-in-one resident portal, dedicated call center, and professional maintenance program. All Second Avenue homes for rent are pet-friendly (pet fees and breed restrictions apply) and we offer convenient self-guided showings 7 days a week. We also proudly offer military discounts for active-duty personnel. Additional fees may include, yet not limited to septic/sewer, or renters insurance. Approved applicants must pay a hold fee and begin the lease agreement within 7 to 12 days of approval. Don't delay, as our homes lease quickly!\n\nPlease be aware of scams. Second Avenue rental homes are not advertised on Craigslist, Facebook Marketplace, or any other classified advertising websites. We will never ask you to wire funds. All photos shown are for illustrative purposes. Certain finishes, flooring, and room orientation may vary.",
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],
"effective_date": "2026-01-01"
},
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{
"note": "Property has 'Central' heating. Based on other major appliances being electric, Electric heating is assumed. 'Elec Heat: Ala Power' was chosen as the most expensive and common electric provider listed.",
"utility": "heating",
"allowance": 93
},
{
"note": "Property has 'Central Air' which is electric. 'A/C: Alabama Power' was chosen as the most expensive and common electric provider listed.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Property has an 'Electric Water Heater'. 'Elec: Ala Power' was chosen as the most expensive and common electric provider listed.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "Property has an 'Electric Cooktop' and 'Electric Oven'. 'Elec: Ala Power' was chosen as the most expensive and common electric provider listed.",
"utility": "cooking",
"allowance": 21
},
{
"note": "This covers general electric use like lighting. An allowance for a landlord-provided Refrigerator is included in this line item per the schedule. 'Lights, Ref, Etc.: Ala Power' was chosen as the most expensive and common provider.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Property info states 'Public Water'. The 'Water: Birmingham' option was selected as the most relevant for a Birmingham address.",
"utility": "water",
"allowance": 78
},
{
"note": "Property info states 'Sewer: Connected'. The allowance is a fixed value for a 3-bedroom unit.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Trash collection is assumed for a single-family home. 'Jefferson City (Once per week)' was selected as the most appropriate service option for a Birmingham address within Jefferson County.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned. The allowance is a fixed value.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.64,
"down_payment_amount": 20000.0,
"property_tax_annual": 917.73,
"property_tax_monthly": 76.48,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"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": 6473.37,
"property_management_monthly": 135.5,
"monthly_cash_flow_after_debt": 539.45,
"cash_on_cash_return_after_debt": 0.32
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3BR/1BA bungalow shows a recent cosmetic refresh, functional kitchen and bath fixtures, and appliances present. The property appears rentable with mostly minor repairs and cleaning needed and should be able to pass an initial HCV/NSPIRE inspection after addressing a few code items. Primary inspection risks are missing/insufficient smoke and carbon monoxide detectors, lack of visible GFCI protection in kitchen/bath, and verification of HVAC, water heater and electrical panel condition. Exterior requires minor maintenance (trim, masonry, drainage) but no obvious structural failures were observed in the supplied photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 80.0,
"rationale": "Interior appears recently painted and floors (carpet and LVP) are in good condition. Kitchen and bathroom fixtures are present and appear serviceable; refrigerator, range and dishwasher are installed. Minor cosmetic issues visible (scuffed trim, patched ceiling seams, some paint touch-ups needed). Front porch brickwork and trim show weathering and paint peeling but no visible structural collapse. Missing minor items (outlet covers/trim touch-up) likely easy fixes. Overall mostly cosmetic and moderate capital repairs only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious exposed wiring, no visible ceiling sag or active leaks, and interior fixtures (toilet, tub, sink) are present and appear functional. A smoke alarm is visible in the living room but no smoke alarms are visible in bedrooms or corridors, and no carbon monoxide alarm is visible — risk of failing NSPIRE detector placement requirements. GFCI protection in kitchen and bath is not visible in photos and should be verified. Windows appear to provide egress in most bedrooms but operability cannot be confirmed from photos. Entry has a security/metal gate; a deadbolt is not clearly visible. Overall moderate inspection risk focused on smoke/CO detectors, GFCI, and confirming egress/detector placement."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 65.0,
"rationale": "Floor vents indicate a forced-air system (heating/AC) likely present but no HVAC unit or water heater was photographed — operational status unknown. Kitchen appliances present and plumbing fixtures appear intact. Electrical panel was not shown; no visible frayed wiring. Roof shingles appear aged but intact with no visible active leaks inside. Given age of home (1945) and limited system photos, moderate uncertainty remains; systems appear present but require verification & possible servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Siding and foundation appear generally intact; front enclosed porch windows intact. Yard is clear and usable; rear concrete shows moss/standing moisture stains indicating some drainage pooling near the back slab. Carport canopy appears functional. Trim and porch masonry show weathering and paint failure that is cosmetic but should be addressed. No visible major foundation movement or collapsed elements in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Only one smoke alarm visible; potentially insufficient smoke detector placement for NSPIRE (bedrooms/corridors).",
"No carbon monoxide alarm visible (CO alarm may be required depending on fuel sources/municipal code).",
"No visible GFCI protection in kitchen/bath areas in photos — likely corrective requirement."
],
"confidence": 0.75,
"assumptions": [
"Forced-air HVAC exists because floor vents are visible; unit location and operational status were not photographed.",
"Hot water heater is present in the home though not shown in photos; assumed functional until inspection.",
"Bedroom windows are operable and provide egress (cannot confirm from photos; assumed typical single-hung operation).",
"Only one smoke alarm was visible in photos; assume additional detectors were not installed unless documented otherwise.",
"Electrical panel and GFCI protection locations were not photographed and must be verified on-site.",
"Listing statement that property is managed by Evernest indicates active rental history and management transferability."
],
"overall_score": 76.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Overall this 3-bed, 1-bath 1945 single-family appears to be in good rentable condition with mostly cosmetic and moderate items to verify. Interior finishes are clean and appliances present; core issues to confirm on-site are proper smoke/CO/GFCI alarms, functioning HVAC and hot water, electrical panel condition, and that bedroom egress windows are not obstructed by security bars. With 1–4 days of minor corrections (alarms, GFCI installation, minor porch/step repairs, and fixing any noncompliant window bars or providing egress solutions) this property is likely to pass an initial HCV/NSPIRE inspection. If the electrical panel or HVAC/water-heater require repairs, timeline expands accordingly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently painted with new/clean carpet and laminate flooring; fixtures and finishes are intact. Kitchen has refrigerator, range and dishwasher present. Cosmetic issues: patchy paint in places, some ceiling seam lines, porch paint chipping and some missing/shifted bricks at the front step/porch skirt. These are mostly low-to-moderate cost fixes (paint, brick reset, minor trim work). No visible collapsed surfaces or exposed subflooring."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk (NSPIRE)",
"score": 65.0,
"rationale": "A working smoke detector is visible in the living area. Entry door has a security door and functioning lock. No exposed wiring or obvious active water intrusion seen. Uncertainties/concerns: no carbon monoxide alarm visible (required where fuel-burning appliances or attached garages present), GFCI protection near kitchen/bath not visible, electrical panel not shown, and several windows appear to have exterior security bars/grilles (could restrict bedroom egress). Minor trip hazards on front steps/porch bricks. These items create moderate inspection risk that will need verification and likely remedial work."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Floor registers present indicating a central forced-air system is likely; kitchen appliances and bathroom fixtures appear functional. No water heater or furnace/air handler visible in photos for confirmation. Roof shingles appear aged but no visible active leaks or sagging. Electrical panel and service condition unknown. Plumbing fixtures and drains appear intact. Given rental management history and visible vents, systems likely operational but require on-site verification (service, hot water, breaker condition)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Siding, windows and foundation appear intact from photos; front enclosed porch windows are present. Yard is overgrown but usable; carport and concrete pad present though the carport shows minor wear. Walkway and front step show staining/age; some brickwork on porch skirt is missing/shifted and should be repaired to remove trip hazard. No standing water, major grading/drainage failure, nor visible pest infestation in photos."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Possible restricted bedroom egress: several windows appear to have exterior security bars/grilles which may not provide emergency release.",
"No carbon monoxide alarm visible in photos (required where fuel-burning appliances or certain heating systems are present).",
"Electrical distribution panel not shown — condition and labeling unknown (could be cause for inspection failure if unsafe).",
"Front porch brickwork and step edges are shifted/missing in areas — potential trip hazard that should be repaired before inspection."
],
"confidence": 0.7,
"assumptions": [
"Central forced-air HVAC is present and operational (inferred from floor registers); no visible HVAC equipment was photographed.",
"Hot water and plumbing are operational since fixtures appear intact and the property has recent rental history; water heater was not photographed.",
"Smoke detector in living room is functional; additional detectors may be required in bedrooms as per local code and NSPIRE.",
"Kitchen appliances (stove, refrigerator, dishwasher) are in working order — photos show units but no operational test.",
"Some windows show exterior security bars/grilles; assume they are fixed (non-release) unless owner confirms quick-release for egress.",
"No active roof leaks or major structural movement are present — roof appears aged but intact in photos; interior ceilings show no staining consistent with active leaks."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1-bath single-family home appears livable and largely cosmetically refreshed; appliances are present and interior condition is good. Primary NSPIRE concerns are missing/insufficient smoke and carbon monoxide alarms, no visible GFCI protection at kitchen/bath outlets, and the need to verify bedroom egress and mechanical function (HVAC, hot water). Exterior needs paint/porch masonry and minor drainage/clean-up. With targeted safety fixes (install smoke alarms in/near bedrooms and hallway, add CO alarm, install GFCI outlets where required), a quick roof/soffit review, and a short systems check, the property is likely to pass an initial HCV (Section 8/NSPIRE) inspection within 1–4 weeks. Overall readiness: minor repairs and safety upgrades — rent-ready in ~1–4 weeks assuming systems operate as expected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently painted with new/clean-looking flooring and carpet; kitchen and bath fixtures present. Visible cosmetic issues: carpet staining/traffic marks, ceiling seams/patch lines in multiple rooms, chipped/peeling paint on exterior trim and porch columns, decorative porch brick with some missing/uneven bricks, front concrete walkway staining and minor cracking. Appliances are present (stove, fridge, dishwasher) so missing-appliance penalty is not applied. Overall mostly cosmetic and light repair items that are easy/quick to fix."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "One smoke alarm visible in the living area but no smoke alarms visible inside bedrooms or hallway in photos; no carbon monoxide detector visible. GFCI outlets not visible in kitchen or bathroom photos (likely absent). Windows in bedrooms appear to be double-hung and may provide egress but sizes not verified — could require confirmation. No exposed wiring, no visible electrical panel issues, no visible mold or active roof leaks. Entry door has an added security gate and knob/lock. Because of missing/insufficient detectors and unclear GFCI/egress verification, this is a moderate NSPIRE risk and will require corrective items before final approval."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Floor vents visible indicating central HVAC ducting; registers present in several rooms which suggests heating/cooling is installed. Kitchen appliances present (stove, fridge, dishwasher) and bathroom fixtures look functional. No water heater, furnace, or electrical panel photographed or documented; roof appears aged but intact with no visible active leaks. Plumbing fixtures show no visible leaks. Without service records and because systems are not fully pictured, moderate uncertainty remains but visible evidence suggests functional systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 68.0,
"rationale": "Exterior siding and trim show peeling paint and wear; foundation appears generally level in photos with no obvious major cracks. Roof shingles look aged but not visibly collapsed. Front porch brickwork is decorative with some gaps/uneven bricks. Yard is sloped gently to rear and appears to drain but standing moisture/staining on the rear concrete and green staining indicate poor cleaning/drainage; carport canopy is intact. Overall exterior is serviceable but needs paint, minor masonry/step repairs and cleanup/grade/drainage check."
},
{
"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": [
"No carbon monoxide alarm visible in photos (required where there is fuel-burning equipment or local code/owner policy).",
"Insufficient smoke alarm coverage: only one unit visible in living area; no alarms visible in/near bedrooms.",
"No visible GFCI-protected outlets in kitchen or bathroom (likely required upgrade)."
],
"confidence": 0.75,
"assumptions": [
"Central HVAC exists and is operational (floor/ceiling vents visible) though no mechanical equipment or service records were provided.",
"No active roof leaks or interior water intrusion beyond minor ceiling seam/patch lines visible in photos.",
"Bedroom windows provide legal egress (double-hung windows shown) but exact clear opening sizes were not measured from photos.",
"Electrical panel, grounding, and main service appear intact but were not photographed; no exposed live wiring observed in interior photos.",
"Hot water is available and plumbing is functional; no active leaks visible in photos.",
"Appliances shown are functioning; no certification or testing records available."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "57 17th Ct S, Birmingham, AL, 35205",
"aggregate": {
"summary": "Overall this 3BR/1BA bungalow shows a recent cosmetic refresh, functional kitchen and bath fixtures, and appliances present. The property appears rentable with mostly minor repairs and cleaning needed and should be able to pass an initial HCV/NSPIRE inspection after addressing a few code items. Primary inspection risks are missing/insufficient smoke and carbon monoxide detectors, lack of visible GFCI protection in kitchen/bath, and verification of HVAC, water heater and electrical panel condition. Exterior requires minor maintenance (trim, masonry, drainage) but no obvious structural failures were observed in the supplied photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 78.7,
"rationale": "Interior appears recently painted and floors (carpet and LVP) are in good condition. Kitchen and bathroom fixtures are present and appear serviceable; refrigerator, range and dishwasher are installed. Minor cosmetic issues visible (scuffed trim, patched ceiling seams, some paint touch-ups needed). Front porch brickwork and trim show weathering and paint peeling but no visible structural collapse. Missing minor items (outlet covers/trim touch-up) likely easy fixes. Overall mostly cosmetic and moderate capital repairs only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 69.3,
"rationale": "Siding and foundation appear generally intact; front enclosed porch windows intact. Yard is clear and usable; rear concrete shows moss/standing moisture stains indicating some drainage pooling near the back slab. Carport canopy appears functional. Trim and porch masonry show weathering and paint failure that is cosmetic but should be addressed. No visible major foundation movement or collapsed elements in photos."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious exposed wiring, no visible ceiling sag or active leaks, and interior fixtures (toilet, tub, sink) are present and appear functional. A smoke alarm is visible in the living room but no smoke alarms are visible in bedrooms or corridors, and no carbon monoxide alarm is visible — risk of failing NSPIRE detector placement requirements. GFCI protection in kitchen and bath is not visible in photos and should be verified. Windows appear to provide egress in most bedrooms but operability cannot be confirmed from photos. Entry has a security/metal gate; a deadbolt is not clearly visible. Overall moderate inspection risk focused on smoke/CO detectors, GFCI, and confirming egress/detector placement."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 66.7,
"rationale": "Floor vents indicate a forced-air system (heating/AC) likely present but no HVAC unit or water heater was photographed — operational status unknown. Kitchen appliances present and plumbing fixtures appear intact. Electrical panel was not shown; no visible frayed wiring. Roof shingles appear aged but intact with no visible active leaks inside. Given age of home (1945) and limited system photos, moderate uncertainty remains; systems appear present but require verification & possible servicing."
}
],
"red_flags": [
"Only one smoke alarm visible; potentially insufficient smoke detector placement for NSPIRE (bedrooms/corridors).",
"No carbon monoxide alarm visible (CO alarm may be required depending on fuel sources/municipal code).",
"No visible GFCI protection in kitchen/bath areas in photos — likely corrective requirement."
],
"confidence": 0.87,
"assumptions": [
"Forced-air HVAC exists because floor vents are visible; unit location and operational status were not photographed.",
"Hot water heater is present in the home though not shown in photos; assumed functional until inspection.",
"Bedroom windows are operable and provide egress (cannot confirm from photos; assumed typical single-hung operation).",
"Only one smoke alarm was visible in photos; assume additional detectors were not installed unless documented otherwise.",
"Electrical panel and GFCI protection locations were not photographed and must be verified on-site.",
"Listing statement that property is managed by Evernest indicates active rental history and management transferability."
],
"score_method": "mean_of_criteria",
"overall_score": 70.7,
"rubric_version": "nsPIRE-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7865650340"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.