Property ID: 7879458334
228 Lapala Dr, Birmingham, AL, 35214
Birmingham, AL
Money Down: $24,000
CoC Return: 18.75%
Monthly Cash Flow: $375
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
18.75%
Rent
$1,230
Monthly Cash Flow
$375
Annual Cash Flow
$4,501
Debt Service / Mo
$532
Property Tax / Mo
$117
Insurance / Mo
$82
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,230
Payment Standard
$1,518
Rent
$1,230
Insurance
$82
Property Tax
$117
Management
$123
Utilities Allowance
$288
NOI (Monthly)
$907
Debt Service
$532
Cash Flow After Debt
$375
Quality Score: 70.30%
Confidence: 90.00%
Overall the property is cosmetically updated and appears largely rent-ready with minor repairs. The biggest NSPIRE inspection risk is missing/undocumented smoke and carbon monoxide detectors and unclear GFCI protection in the kitchen — items that commonly cause an initial fail. Mechanical and system components (HVAC, electrical panel, water heater) were not shown and should be verified, and a possible ceiling discoloration suggests previous water intrusion that should be investigated. With installation of required detectors, verification/repair of any water damage, and confirmation of GFCI outlets, the house is likely to pass an initial HCV inspection within 1–4 weeks.
Section 8 Payment Standard
$1,518
Utility Allowance Total
$288
Guaranteed Section 8 Rent (PS - Utilities)
$1,230
Property Management
$123
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$100,000
Beds
3
Baths
1
Living Area
1,221 sqft
Lot Size
23,087 sqft
Year Built
1952
Days on Market
17
Capital Outlay
$24,000
Debt Service
$532
Property Tax / Mo
$117
Insurance / Mo
$82
Property Description
Great basic home for the price or investment property
Utility Allowances
Heating
$38
Property has central heating. Fuel type is inferred as natural gas because the water heater is gas-fired. Spire is the primary natural gas provider in the Birmingham area.
Cooling
$22
Property has central cooling (A/C), which is electric. Alabama Power is the main electricity provider in the area.
Water Heating
$35
Property information explicitly states a gas water heater. Spire is selected as the most likely provider.
Cooking
$21
Property information states an electric stove and cooktop are provided. The cost is for the electricity consumed, provided by Alabama Power.
Other Electric
$68
This covers general electricity for lights and tenant appliances. The energy usage for the landlord-provided refrigerator is included here. Alabama Power is the selected provider.
Refrigerator
$0
The allowance for a tenant-provided refrigerator is $0 because the property includes a refrigerator. The cost to run it is included in the 'Other Electric' allowance.
Range / Microwave
$6
A microwave was not listed as a provided appliance, so it is assumed to be tenant-owned, and the fixed allowance is applied.
Water
$78
Property information states it uses public water. The 'Water: Birmingham' schedule is selected based on the property's location.
Sewer
$0
The property uses a septic system, not a public sewer, so the monthly allowance is $0.
Trash Collection
$20
The property is located in Birmingham, within Jefferson County. This option is the most applicable general rate for the location.
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$830
DP3 Annual Estimate$1,145
DP1 Monthly Equivalent$69
DP3 Monthly Equivalent$95
Replacement Value$110,700
Basis1,221 sqft / 1952
Nearby Houses
Photo unavailable
249 Lapala Dr
for_sale · 0.04 mi
Price: $189,000
3 bd / 2 ba · 2,287 sqft
Latest sale: $394,000
Latest rent: —
Photo unavailable
1149 Beaver Ave
sold · 0.07 mi
Price: $123,000
3 bd / 2 ba · 1,088 sqft
Latest sale: $123,000 on Jul 02, 2025
Latest rent: $850 on Jan 13, 2017
Photo unavailable
1209 Daffodil Cir
sold · 0.08 mi
Price: $160,000
3 bd / 2 ba · 1,688 sqft
Latest sale: $160,000 on May 31, 2021
Latest rent: —
Photo unavailable
Lora Ln Lot 1
for_sale · 0.14 mi
Price: $38,900
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
230 Allegheny Dr
sold · 0.17 mi
Price: $104,900
3 bd / 2 ba · 1,631 sqft
Latest sale: $104,900 on Oct 30, 2020
Latest rent: $1,295 on Jan 14, 2025
Photo unavailable
1357 Tomahawk Rd
sold · 0.17 mi
Price: $104,900
2 bd / 1 ba · 1,032 sqft
Latest sale: $104,900 on Jan 10, 2025
Latest rent: —
Photo unavailable
1371 Swim Club Rd Lot 1
for_sale · 0.19 mi
Price: $128,900
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
1378 Mohican Dr
sold · 0.22 mi
Price: $145,000
5 bd / 3 ba · 1,494 sqft
Latest sale: $145,000 on Mar 15, 2017
Latest rent: —
Photo unavailable
1402 Iroquois Cir
sold · 0.23 mi
Price: $156,000
4 bd / 3 ba
Latest sale: $156,000 on Jun 09, 2016
Latest rent: —
Photo unavailable
1382 Tomahawk Rd
sold · 0.23 mi
Price: $245,000
3 bd / 3 ba · 1,815 sqft
Latest sale: $245,000 on Oct 10, 2025
Latest rent: —
Photo unavailable
1057 Forestdale Blvd Lot 1
for_sale · 0.28 mi
Price: $150,000
— bd / — ba
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in living areas/bedrooms (common automatic fail).
- Possible prior water intrusion / ceiling discoloration on bedroom ceiling tiles — needs investigation.
- Older single-pane window frames and exterior paint on a 1952 house present potential lead-paint risk and thermal/maintenance concerns.
Assumptions
- Central forced-air HVAC is present and functional (floor registers and round thermostat observed).
- Hot water system and water heater exist and are operational though they were not photographed.
- Electrical panel is intact and grounded; no exposed wiring inside rooms was observed.
- No active roof leaks are present now; mild ceiling tile discoloration may be from past/isolated event.
- Bedroom windows meet egress sizes (appear typical) but are older single-pane metal-frame units.
- Built-in oven and refrigerator are functional; actual operation was not demonstrated in photos.
- GFCI protection near kitchen sink and bathroom was not visible and must be confirmed/installed if missing.
- No active pest infestation or major mold was visible in photos; hidden issues are possible but not indicated.
- Paint condition (house built 1952) may include pre-1978 layers – lead-paint risk not visible but possible.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,368 | $141,900 | $28,380 |
| 2023 | $1,368 | $136,600 | $27,320 |
| 2022 | $1,145 | $114,300 | $22,860 |
| 2021 | $832 | $83,100 | $16,620 |
| 2020 | $832 | $83,100 | $16,620 |
| 2019 | $832 | $83,100 | $16,620 |
| 2018 | $696 | $69,500 | $13,900 |
| 2017 | $696 | $69,500 | $13,900 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-30 | Listed | $100,000 |
| 2019-02-01 | Sold | $953,500 |
| 2017-09-20 | Listing removed | $695 |
| 2017-09-17 | Price Changed for rent | $695 |
| 2017-08-14 | Price Changed for rent | $725 |
| 2017-07-26 | Listed for rent | $750 |
| 2015-03-16 | Listing removed | $55,000 |
| 2015-01-16 | Listed | $55,000 |
| 2014-08-20 | Listing removed | $54,900 |
| 2014-07-15 | Price Changed | $54,900 |
| 2014-06-21 | Price Changed | $59,900 |
| 2014-05-12 | Price Changed | $69,900 |
| 2014-04-06 | Listed | $79,900 |
| 2012-08-16 | Listing removed | $69,900 |
| 2011-02-14 | Listed | $69,900 |
Photo Gallery
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"list_date": "2011-02-14T07:00:00Z",
"list_price": 69900,
"listing_id": "525939407",
"last_update_date": "2012-08-17T02:41:27Z",
"last_status_change_date": "2012-08-16T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "549 days",
"source_listing_id": "490868",
"price_change_percentage": null
},
{
"date": "2011-02-14",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2011-02-14T07:00:00Z",
"list_price": 69900,
"listing_id": "525939407",
"last_update_date": "2012-08-17T02:41:27Z",
"last_status_change_date": "2012-08-16T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "490868",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7879458334",
"generated_at": "2026-02-16T02:57:23.314465Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 70.3
},
"utility_allowance": {
"zip_code": "35214",
"home_photo": "https://ap.rdcpix.com/00c10a9417883d986d83bf4315dca2b5l-m1866958608s-w1280.jpg",
"rent_price": 1230.0,
"loan_amount": 80000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/228-Lapala-Dr_Birmingham_AL_35214_M78794-58334",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 100000.0,
"loan_term_years": 30,
"annual_cash_flow": 10887.46,
"mortgage_monthly": 532.24,
"payment_standard": 1518.0,
"total_amount_out": 20000.0,
"additional_photos": [
"https://ap.rdcpix.com/00c10a9417883d986d83bf4315dca2b5l-m2625251741s-w1280.jpg",
"https://ap.rdcpix.com/00c10a9417883d986d83bf4315dca2b5l-m3784979940s-w1280.jpg",
"https://ap.rdcpix.com/00c10a9417883d986d83bf4315dca2b5l-m2241668862s-w1280.jpg",
"https://ap.rdcpix.com/00c10a9417883d986d83bf4315dca2b5l-m1118450397s-w1280.jpg",
"https://ap.rdcpix.com/00c10a9417883d986d83bf4315dca2b5l-m2971726659s-w1280.jpg",
"https://ap.rdcpix.com/00c10a9417883d986d83bf4315dca2b5l-m2082016669s-w1280.jpg",
"https://ap.rdcpix.com/00c10a9417883d986d83bf4315dca2b5l-m1893135380s-w1280.jpg",
"https://ap.rdcpix.com/00c10a9417883d986d83bf4315dca2b5l-m4189079266s-w1280.jpg",
"https://ap.rdcpix.com/00c10a9417883d986d83bf4315dca2b5l-m2693048981s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 82.29,
"monthly_cash_flow": 907.29,
"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 inferred as natural gas because the water heater is gas-fired. Spire is the primary natural gas provider in the Birmingham area.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property has central cooling (A/C), which is electric. Alabama Power is the main electricity provider in the area.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property information explicitly states a gas water heater. Spire is selected as the most likely provider.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "Property information states an electric stove and cooktop are provided. The cost is for the electricity consumed, provided by Alabama Power.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "This covers general electricity for lights and tenant appliances. The energy usage for the landlord-provided refrigerator is included here. Alabama Power is the selected provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "The allowance for a tenant-provided refrigerator is $0 because the property includes a refrigerator. The cost to run it is included in the 'Other Electric' allowance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A microwave was not listed as a provided appliance, so it is assumed to be tenant-owned, and the fixed allowance is applied.",
"utility": "Range / Microwave",
"allowance": 6
},
{
"note": "Property information states it uses public water. The 'Water: Birmingham' schedule is selected based on the property's location.",
"utility": "Water",
"allowance": 78
},
{
"note": "The property uses a septic system, not a public sewer, so the monthly allowance is $0.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "The property is located in Birmingham, within Jefferson County. This option is the most applicable general rate for the location.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.54,
"down_payment_amount": 20000.0,
"property_tax_annual": 1409.04,
"property_tax_monthly": 117.42,
"property_tax_increase": 0.03,
"utility_allowance_total": 288.0,
"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": 4500.56,
"property_management_monthly": 123.0,
"monthly_cash_flow_after_debt": 375.05,
"cash_on_cash_return_after_debt": 0.23
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property is cosmetically updated and appears largely rent-ready with minor repairs. The biggest NSPIRE inspection risk is missing/undocumented smoke and carbon monoxide detectors and unclear GFCI protection in the kitchen — items that commonly cause an initial fail. Mechanical and system components (HVAC, electrical panel, water heater) were not shown and should be verified, and a possible ceiling discoloration suggests previous water intrusion that should be investigated. With installation of required detectors, verification/repair of any water damage, and confirmation of GFCI outlets, the house is likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently renovated cosmetically: new-looking vinyl plank flooring throughout, painted walls and cabinets, updated bathroom vanity and tub surround. Visible minor defects: paint/compound splatter on kitchen floor, scuffs on cabinets, dirty/aged large picture windows, and some cosmetic wear on exterior steps/railings. Appliances visible (built-in oven, refrigerator, range hood) though cooktop/power demonstrated not fully verifiable from photos. Overall only minor/cosmetic repairs needed to be tenant-ready."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Key NSPIRE safety items not visible in photos: no smoke detectors or carbon monoxide alarms were observed in living areas, bedroom photos, or hallway (required). Entry door shows a deadbolt and knob which is good. No exposed wiring or obvious electrical hazards visible. Bathroom has a vent and functioning fixtures appear present. GFCI protection at kitchen sink not visible in photos. Bedroom windows appear to provide egress but are older single-pane metal frames. Because absence of visible smoke/CO alarms and unclear GFCI presence are common inspection failures, this category is rated moderate-risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Floor registers and a wall thermostat (round dial) are visible indicating a central HVAC/forced-air system likely present and ducted. Plumbing fixtures, sink, toilet and tub/shower appear intact. Built-in electric wall oven and refrigerator are present. Electrical panel, water heater, and exterior HVAC unit are not shown so condition must be assumed. Ceiling tiles in bedrooms show mild discoloration in one photo, which may indicate prior water intrusion that should be evaluated. Given visible vents and fixtures but lack of confirmation of system condition, score reflects moderate confidence."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Brick exterior and roofline look intact from front photos. Front steps and ornamental metal railings are present and appear serviceable though railings show age/paint wear. Gutters and downspout visible. Landscaping is basic; some vegetation close to foundation on the right side that should be trimmed. No obvious foundation cracks, sagging, or major drainage/standing water visible in the provided exterior images. Overall exterior shows minor maintenance needs rather than structural failure."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in living areas/bedrooms (common automatic fail).",
"Possible prior water intrusion / ceiling discoloration on bedroom ceiling tiles — needs investigation.",
"Older single-pane window frames and exterior paint on a 1952 house present potential lead-paint risk and thermal/maintenance concerns."
],
"confidence": 0.65,
"assumptions": [
"Central forced-air HVAC is present and functional (floor registers and round thermostat observed).",
"Hot water system and water heater exist and are operational though they were not photographed.",
"Electrical panel is intact and grounded; no exposed wiring inside rooms was observed.",
"No active roof leaks are present now; mild ceiling tile discoloration may be from past/isolated event.",
"Bedroom windows meet egress sizes (appear typical) but are older single-pane metal-frame units.",
"Built-in oven and refrigerator are functional; actual operation was not demonstrated in photos.",
"GFCI protection near kitchen sink and bathroom was not visible and must be confirmed/installed if missing.",
"No active pest infestation or major mold was visible in photos; hidden issues are possible but not indicated.",
"Paint condition (house built 1952) may include pre-1978 layers – lead-paint risk not visible but possible."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the house appears to be a minor-repair, near-rent-ready property. Cosmetic updates and a light renovation appear to have been completed (floors, paint, kitchen and bath). Primary NSPIRE risks are missing/undocumented smoke and CO alarms, unverified GFCI protection, and unseen major system components (electrical panel, water heater). With installation/verification of detectors, confirmation of HVAC/water heater/electrical panel condition and a quick exterior/window tune-up, the property is likely to pass an initial Housing Choice Voucher inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears recently refreshed: new-looking vinyl plank flooring, painted walls and trim, renovated bathroom and kitchen cabinets. Minor cosmetic issues visible (paint/compound residue on kitchen floor, scuffs on floors, some wear at exterior steps/rail paint). Appliances (refrigerator, built-in oven, range hood) are present. No major surface deterioration, rot or collapsed finishes visible in photos. Score reduced slightly for cosmetic touch-ups and evidence of light trade debris."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE code compliance risk",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards in photos (no exposed wiring, no collapsed ceilings, stairs have railings). However required safety devices are not visible: no smoke detector or CO alarm shown in hall or bedrooms (NSPIRE requires operational smoke detectors; CO rules may apply depending on fuel sources). GFCI outlets are not visible in kitchen/bath photos. Large picture window appears old and may need weather/lock checks for secure egress/operation. Small ceiling tile discoloration in a bedroom could indicate a past leak (no active leak visible). These unknowns create inspection risk and lower the score."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Floor registers and a thermostat/round wall control visible — suggests central HVAC is present. Kitchen appliances (electric oven and refrigerator) and range hood are present; plumbing fixtures (sink, toilet, tub/shower surround) appear functioning and recently updated. Roofline looks straight from exterior photo and gutters are present; no obvious foundation cracks or sagging visible. Water heater and electrical panel were not photographed; their condition is unknown. Score reflects likely operable systems but deducts for unseen system elements (panel, water heater) and lack of confirmation of HVAC operation."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Brick exterior and foundation appear intact with no visible major cracks; gutters present. Front stairs and metal railings are serviceable though rail paint is flaking and steps show surface wear. Yard slopes away from house but no standing water or erosion visible. Large multi-panel front window looks aged (frames and seals may need inspection). No visible pest infestation or major exterior neglect in provided images."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or carbon monoxide alarms were visible in any photos; assume they are not installed or not shown and will need verification/installation.",
"HVAC is assumed to be central forced air (floor vents and thermostat/round control visible) and operable but operation was not verified in photos.",
"Water heater and main electrical panel are not shown; assume they exist but will require inspection for safety and capacity.",
"Appliances pictured (refrigerator, built-in oven, range hood) are assumed operable; missing stovetop burners are not evident as a critical failure.",
"Large front picture window is assumed to be fixed-panel/older framing and may need weatherproofing or hardware servicing but not necessarily an egress failure for bedrooms.",
"Minor ceiling tile discoloration in bedroom is assumed to be an old stain with no active leak visible in photos; recommend verification.",
"No interior mold, active leaks, or structural movement were evident in the images; assume none serious are present unless an in-person inspection finds otherwise."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA brick ranch shows a mostly cosmetic refresh and is generally close to Section 8 / HCV rent-ready condition. Major visible systems and structure appear sound with intact exterior brickwork, even roofline, and no signs of active leaks or structural sagging. Main risks are code items not visible in photos: absence/unseen smoke and CO detectors, unclear presence of GFCI protection in the kitchen, and unverified mechanicals (HVAC unit, water heater, electrical panel). These are typically quick fixes (install/verify detectors, add GFCI outlets, show service records or address mechanicals) and once addressed the property would be likely to pass an initial NSPIRE/HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Interior appears recently refreshed: new/clean vinyl plank flooring throughout main areas, painted walls and trim, updated bathroom surround and vanity, kitchen cabinets painted and built-in oven/range hood present. Minor cosmetic issues visible: paint splatters/marks on kitchen floor, scuffs on some cabinet areas, some window glass appears dirty/oxidized. No evidence of collapsed ceilings, broken cabinetry, or major deferred maintenance. Missing or non-functional appliances are not clearly an issue (fridge visible). Overall mostly cosmetic work; easy-to-fix items only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No smoke detectors or CO alarm are visible in any interior photos — NSPIRE requires working smoke detectors on each level and in/near sleeping areas and CO alarms where required. Electrical outlets and covers appear present; no exposed wiring is visible. GFCI outlets are not clearly visible in the kitchen photos (kitchen countertop area shows standard outlets away from sink) — could require GFCI installation. Stairs to the front entry have a metal handrail; windows and bedroom egress appear standard but exact clear opening dimensions not verifiable from photos. No active water stains, visible mold, or trip hazards observed. Because detectors/GFCI presence is not confirmed and the building year (1952) raises potential lead-paint risk, there is a moderate safety compliance risk that will need quick corrective items prior to an HCV inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Floor vents and a wall thermostat (circumstantial) are visible suggesting central HVAC is present; registers appear intact. Kitchen shows built-in electric oven and range hood; refrigerator is present. Water heater and electrical panel are not shown so their condition is unknown. Roofline appears even and gutters present from exterior photo, with no visible sagging or active roof stains to imply active leaks. Given the lack of direct photos of the HVAC unit, water heater and electrical panel, systems are assumed functional but unverified which lowers the score slightly."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Brick exterior and foundation appear sound with straight lines and no visible foundation displacement. Gutters are present and roofline looks straight from the provided wide shot. Front stairs and decorative metal railings are intact. Landscaping is slightly overgrown on the right side near basement windows which may need trimming for egress/maintenance access. Yard grading appears sloped away from the house in photos; no standing water or erosion observed. Overall exterior is serviceable with minor site cleanup recommended."
}
],
"red_flags": [
"No visible smoke detectors in photos (required for NSPIRE/HCV).",
"No visible carbon monoxide alarm in photos (where required by local code).",
"Potential lead-based paint risk (property built in 1952) — requires appropriate disclosures/testing/abatement if present."
],
"confidence": 0.75,
"assumptions": [
"Photos represent the entire main living area and current condition (no hidden areas with major damage).",
"Central HVAC is present and operational (floor registers and thermostat/vent visible in photos).",
"Water heater and electrical service exist and are functional but are not shown in photos (status unverified).",
"Kitchen appliances shown (built-in oven, range hood, refrigerator) are present and in working condition or will be provided.",
"No active roof leaks or major foundation movement exist — exterior photos show straight lines and no staining.",
"Smoke detectors, CO alarms and GFCI protection either are not present or not shown; assume they need verification/installation.",
"Because the house was built in 1952 there is a potential lead-based paint risk until confirmed otherwise (assume testing/disclosure required)."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "228 Lapala Dr, Birmingham, AL, 35214",
"aggregate": {
"summary": "Overall the property is cosmetically updated and appears largely rent-ready with minor repairs. The biggest NSPIRE inspection risk is missing/undocumented smoke and carbon monoxide detectors and unclear GFCI protection in the kitchen — items that commonly cause an initial fail. Mechanical and system components (HVAC, electrical panel, water heater) were not shown and should be verified, and a possible ceiling discoloration suggests previous water intrusion that should be investigated. With installation of required detectors, verification/repair of any water damage, and confirmation of GFCI outlets, the house is likely to pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.3,
"rationale": "Interior appears recently renovated cosmetically: new-looking vinyl plank flooring throughout, painted walls and cabinets, updated bathroom vanity and tub surround. Visible minor defects: paint/compound splatter on kitchen floor, scuffs on cabinets, dirty/aged large picture windows, and some cosmetic wear on exterior steps/railings. Appliances visible (built-in oven, refrigerator, range hood) though cooktop/power demonstrated not fully verifiable from photos. Overall only minor/cosmetic repairs needed to be tenant-ready."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Brick exterior and roofline look intact from front photos. Front steps and ornamental metal railings are present and appear serviceable though railings show age/paint wear. Gutters and downspout visible. Landscaping is basic; some vegetation close to foundation on the right side that should be trimmed. No obvious foundation cracks, sagging, or major drainage/standing water visible in the provided exterior images. Overall exterior shows minor maintenance needs rather than structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "Key NSPIRE safety items not visible in photos: no smoke detectors or carbon monoxide alarms were observed in living areas, bedroom photos, or hallway (required). Entry door shows a deadbolt and knob which is good. No exposed wiring or obvious electrical hazards visible. Bathroom has a vent and functioning fixtures appear present. GFCI protection at kitchen sink not visible in photos. Bedroom windows appear to provide egress but are older single-pane metal frames. Because absence of visible smoke/CO alarms and unclear GFCI presence are common inspection failures, this category is rated moderate-risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 66.7,
"rationale": "Floor registers and a wall thermostat (round dial) are visible indicating a central HVAC/forced-air system likely present and ducted. Plumbing fixtures, sink, toilet and tub/shower appear intact. Built-in electric wall oven and refrigerator are present. Electrical panel, water heater, and exterior HVAC unit are not shown so condition must be assumed. Ceiling tiles in bedrooms show mild discoloration in one photo, which may indicate prior water intrusion that should be evaluated. Given visible vents and fixtures but lack of confirmation of system condition, score reflects moderate confidence."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in living areas/bedrooms (common automatic fail).",
"Possible prior water intrusion / ceiling discoloration on bedroom ceiling tiles — needs investigation.",
"Older single-pane window frames and exterior paint on a 1952 house present potential lead-paint risk and thermal/maintenance concerns."
],
"confidence": 0.9,
"assumptions": [
"Central forced-air HVAC is present and functional (floor registers and round thermostat observed).",
"Hot water system and water heater exist and are operational though they were not photographed.",
"Electrical panel is intact and grounded; no exposed wiring inside rooms was observed.",
"No active roof leaks are present now; mild ceiling tile discoloration may be from past/isolated event.",
"Bedroom windows meet egress sizes (appear typical) but are older single-pane metal-frame units.",
"Built-in oven and refrigerator are functional; actual operation was not demonstrated in photos.",
"GFCI protection near kitchen sink and bathroom was not visible and must be confirmed/installed if missing.",
"No active pest infestation or major mold was visible in photos; hidden issues are possible but not indicated.",
"Paint condition (house built 1952) may include pre-1978 layers – lead-paint risk not visible but possible."
],
"score_method": "mean_of_criteria",
"overall_score": 70.3,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7879458334"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.