Property ID: 7879920047
216 S 3rd Ave, Birmingham, AL, 35205
Birmingham, AL
Money Down: $26,400
CoC Return: 21.06%
Monthly Cash Flow: $463
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
21.06%
Rent
$1,333
Monthly Cash Flow
$463
Annual Cash Flow
$5,560
Debt Service / Mo
$585
Property Tax / Mo
$89
Insurance / Mo
$62
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,333
Payment Standard
$1,870
Rent
$1,333
Insurance
$62
Property Tax
$89
Management
$133
Utilities Allowance
$537
NOI (Monthly)
$1,049
Debt Service
$585
Cash Flow After Debt
$463
Quality Score: 79.20%
Confidence: 81.00%
This 3-bed/1-bath single-family home appears largely turnkey for a Housing Choice Voucher/NSPIRE inspection. Recent interior renovations (flooring, kitchen, bath), functioning appliances, visible HVAC vents and water heater, secure entry and intact roof/foundation point to a high likelihood of passing after minor code verifications. Primary inspection risks are missing/undocumented carbon monoxide detector (if fuel appliances present), unverified GFCI protection near wet areas, and no photo of the electrical panel. These are typical, fixable items and do not indicate structural or life-safety failures.
Section 8 Payment Standard
$1,870
Utility Allowance Total
$537
Guaranteed Section 8 Rent (PS - Utilities)
$1,333
Property Management
$133
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
3
Baths
1
Living Area
1,143 sqft
Lot Size
6,970 sqft
Year Built
1935
Days on Market
148
Capital Outlay
$26,400
Debt Service
$585
Property Tax / Mo
$89
Insurance / Mo
$62
Property Description
Want to be close to everything? This is it! This home is centrally located in the city. UAB, UPTOWN, Protective Stadium and more are a 5-10 minute drive. All of the rooms are large and can accomodate multiple furniture pieces. The rear deck is perfect for your family gatherings or simply a relaxing cup of coffee. The kitchen is outfitted with stainless appliances, stone counters and has an eat-in area.
Utility Allowances
Heating
$93
The property has 'Central' heating. With an electric stove and water heater specified, electric heating is the most probable type. The 'Elec Heat: Ala Power' option was chosen as it is the most expensive electric heating option on the schedule.
Cooling
$22
The property is listed as having 'Central Air'. 'A/C: Alabama Power' was selected as it is the most expensive option for electric cooling.
Cooking
$21
The property includes a 'Stove-Electric'. 'Elec: Ala Power' was chosen as it's the most expensive electric cooking option on the schedule.
Water Heating
$56
An 'Electric Water Heater' is specified for the property. 'Elec: Ala Power' was selected as it is the most expensive electric water heating option.
Water
$78
The property uses 'Public Water' and is located in Birmingham. The 'Water: Birmingham' schedule was used.
Sewer
$151
The property is listed as having 'Sewer Connected'. The allowance is based on the fixed rate for a 3-bedroom unit.
Trash Collection
$40
A specific provider for Birmingham is not listed. 'Fairfield Inside City Limits (ISCL)' was selected as it is the most expensive option on the schedule, following the rules for ambiguity.
Other Electric
$68
This covers general electric use like lights. 'Lights, Ref, Etc.: Ala Power' was chosen as it's the most expensive option.
Refrigerator
$8
The property's explicit appliance list in the data does not include a refrigerator, so it is assumed to be tenant-provided per the rules.
Range/Microwave
$0
The property's appliance list explicitly includes 'Stove-Electric' and 'Microwave', so they are considered landlord-provided with a $0 tenant allowance.
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$597
DP3 Annual Estimate$884
DP1 Monthly Equivalent$50
DP3 Monthly Equivalent$74
Replacement Value$66,900
Basis1,143 sqft / 1935
Nearby Houses
Photo unavailable
200 3rd St S
sold · 0.04 mi
Price: $118,150
2 bd / 2 ba · 778 sqft
Latest sale: $118,150 on Apr 04, 2024
Latest rent: —
Photo unavailable
207 2nd Ave S
sold · 0.04 mi
Price: $15,000
3 bd / 1 ba · 1,218 sqft
Latest sale: $15,000 on Feb 13, 2024
Latest rent: $700 on May 17, 2018
Photo unavailable
217 3rd Ave S
sold · 0.04 mi
Price: $7,351
3 bd / 2 ba
Latest sale: $7,351 on Aug 15, 2024
Latest rent: —
Photo unavailable
205 3rd Ave S
sold · 0.05 mi
Price: $34,000
3 bd / 2 ba · 2,086 sqft
Latest sale: $34,000 on Sep 10, 2018
Latest rent: $1,500 on Feb 14, 2019
Photo unavailable
210 2nd Ave S
sold · 0.07 mi
Price: $75,000
4 bd / 2 ba · 1,412 sqft
Latest sale: $75,000 on May 31, 2023
Latest rent: —
Photo unavailable
304 Kappa Ave S
sold · 0.07 mi
Price: $125,000
2 bd / 1 ba · 1,140 sqft
Latest sale: $125,000
Latest rent: —
Photo unavailable
200 4th Ave S
sold · 0.09 mi
Price: $229,000
4 bd / 3 ba · 1,936 sqft
Latest sale: $229,000 on Mar 07, 2024
Latest rent: —
Photo unavailable
340 Kappa Ave S
sold · 0.09 mi
Price: $97,000
4 bd / 1 ba · 1,530 sqft
Latest sale: $97,000 on Nov 20, 2024
Latest rent: $1,300 on Apr 24, 2025
Photo unavailable
321 Iota Ave S Lot 1
sold · 0.10 mi
Price: $7,000
— bd / — ba
Latest sale: $7,000
Latest rent: —
Photo unavailable
212 Kappa Ave S
off_market · 0.11 mi
Price: $15,000
3 bd / 1 ba · 1,426 sqft
Latest sale: $11,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Kitchen and laundry appliances photographed are functional and connected.
- HVAC system is present and operational (supply/return vents and thermostat visible).
- Water heater is operational and provides hot water (water heater visible in laundry room).
- Bedrooms have compliant egress windows (windows visible in bedroom photos appear usable for egress).
- No active roof leaks or hidden water intrusion beyond what is visible in photos.
- Electrical panel exists and is intact though not photographed; branch wiring has no hidden hazards unless indicated otherwise.
- Exterior grading/drainage is acceptable with no chronic standing water (no evidence in photos).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,039 | $78,900 | $15,340 |
| 2023 | $1,039 | $71,700 | $14,340 |
| 2022 | $714 | $58,600 | $11,720 |
| 2013 | $644 | $36,400 | $3,640 |
| 2012 | $644 | $45,300 | $9,060 |
| 2011 | $654 | $46,000 | $9,200 |
| 2010 | $654 | $46,000 | $9,200 |
| 2009 | $654 | $46,000 | $9,200 |
| 2008 | $668 | $47,000 | $9,400 |
| 2007 | $619 | $43,500 | $8,700 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-10-23 | Sold | $1,000 |
| 2001-12-13 | Sold | $39,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2026-01-23 | Listed for rent | $1,000 | — |
| 2025-07-15 | Listed for rent | $1,050 | — |
| 2025-06-17 | Listed for rent | $1,150 | — |
| 2025-04-21 | Listed for rent | $1,300 | — |
| 2025-03-31 | Listed for rent | $1,300 | — |
| 2024-02-14 | Listed for rent | $1,400 | — |
Photo Gallery
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"list_date": "2021-11-05T23:16:30Z",
"list_price": 955,
"listing_id": "2936463047",
"last_update_date": "2021-12-09T17:17:38Z",
"last_status_change_date": "2021-12-27T15:16:43Z"
},
"event_name": "Price Changed for rent",
"price_sqft": null,
"source_name": "Rently",
"price_change": -40,
"days_after_listed": null,
"source_listing_id": "3684417",
"price_change_percentage": null
},
{
"date": "2021-11-19",
"price": 995,
"listing": {
"status": "off_market",
"list_date": "2021-11-05T23:16:30Z",
"list_price": 955,
"listing_id": "2936463047",
"last_update_date": "2021-12-09T17:17:38Z",
"last_status_change_date": "2021-12-27T15:16:43Z"
},
"event_name": "Price Changed for rent",
"price_sqft": null,
"source_name": "Rently",
"price_change": -100,
"days_after_listed": null,
"source_listing_id": "3684417",
"price_change_percentage": null
},
{
"date": "2021-11-05",
"price": 1095,
"listing": {
"status": "off_market",
"list_date": "2021-11-05T23:16:30Z",
"list_price": 955,
"listing_id": "2936463047",
"last_update_date": "2021-12-09T17:17:38Z",
"last_status_change_date": "2021-12-27T15:16:43Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "3684417",
"price_change_percentage": null
},
{
"date": "2001-12-13",
"price": 39000,
"listing": null,
"event_name": "Sold",
"price_sqft": 34.120734908136484,
"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": "7879920047",
"generated_at": "2026-02-16T02:18:48.983596Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 79.2
},
"utility_allowance": {
"zip_code": "35205",
"home_photo": "https://ap.rdcpix.com/3377c7a80becfe4d34003199defe6553l-m654054144s-w1280.jpg",
"rent_price": 1333.0,
"loan_amount": 88000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/216-3rd-Ave-S_Birmingham_AL_35205_M78799-20047",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 110000.0,
"loan_term_years": 30,
"annual_cash_flow": 12585.73,
"mortgage_monthly": 585.47,
"payment_standard": 1870.0,
"total_amount_out": 22000.0,
"additional_photos": [
"https://ap.rdcpix.com/3377c7a80becfe4d34003199defe6553l-m884515259s-w1280.jpg",
"https://ap.rdcpix.com/3377c7a80becfe4d34003199defe6553l-m128482258s-w1280.jpg",
"https://ap.rdcpix.com/3377c7a80becfe4d34003199defe6553l-m2486197025s-w1280.jpg",
"https://ap.rdcpix.com/3377c7a80becfe4d34003199defe6553l-m213828851s-w1280.jpg",
"https://ap.rdcpix.com/3377c7a80becfe4d34003199defe6553l-m539114508s-w1280.jpg",
"https://ap.rdcpix.com/3377c7a80becfe4d34003199defe6553l-m937512199s-w1280.jpg",
"https://ap.rdcpix.com/3377c7a80becfe4d34003199defe6553l-m1177842550s-w1280.jpg",
"https://ap.rdcpix.com/3377c7a80becfe4d34003199defe6553l-m1759199845s-w1280.jpg",
"https://ap.rdcpix.com/3377c7a80becfe4d34003199defe6553l-m225030826s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 61.71,
"monthly_cash_flow": 1048.81,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property has 'Central' heating. With an electric stove and water heater specified, electric heating is the most probable type. The 'Elec Heat: Ala Power' option was chosen as it is the most expensive electric heating option on the schedule.",
"utility": "Heating",
"allowance": 93
},
{
"note": "The property is listed as having 'Central Air'. 'A/C: Alabama Power' was selected as it is the most expensive option for electric cooling.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "The property includes a 'Stove-Electric'. 'Elec: Ala Power' was chosen as it's the most expensive electric cooking option on the schedule.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "An 'Electric Water Heater' is specified for the property. 'Elec: Ala Power' was selected as it is the most expensive electric water heating option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "The property uses 'Public Water' and is located in Birmingham. The 'Water: Birmingham' schedule was used.",
"utility": "Water",
"allowance": 78
},
{
"note": "The property is listed as having 'Sewer Connected'. The allowance is based on the fixed rate for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "A specific provider for Birmingham is not listed. 'Fairfield Inside City Limits (ISCL)' was selected as it is the most expensive option on the schedule, following the rules for ambiguity.",
"utility": "Trash Collection",
"allowance": 40
},
{
"note": "This covers general electric use like lights. 'Lights, Ref, Etc.: Ala Power' was chosen as it's the most expensive option.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "The property's explicit appliance list in the data does not include a refrigerator, so it is assumed to be tenant-provided per the rules.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "The property's appliance list explicitly includes 'Stove-Electric' and 'Microwave', so they are considered landlord-provided with a $0 tenant allowance.",
"utility": "Range/Microwave",
"allowance": 0
}
],
"cash_on_cash_return": 0.57,
"down_payment_amount": 22000.0,
"property_tax_annual": 1070.17,
"property_tax_monthly": 89.18,
"property_tax_increase": 0.03,
"utility_allowance_total": 537.0,
"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": 5560.14,
"property_management_monthly": 133.3,
"monthly_cash_flow_after_debt": 463.34,
"cash_on_cash_return_after_debt": 0.25
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed/1-bath single-family home appears largely turnkey for a Housing Choice Voucher/NSPIRE inspection. Recent interior renovations (flooring, kitchen, bath), functioning appliances, visible HVAC vents and water heater, secure entry and intact roof/foundation point to a high likelihood of passing after minor code verifications. Primary inspection risks are missing/undocumented carbon monoxide detector (if fuel appliances present), unverified GFCI protection near wet areas, and no photo of the electrical panel. These are typical, fixable items and do not indicate structural or life-safety failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Interior appears recently renovated: new-looking vinyl plank flooring, fresh paint, modern kitchen cabinets, stone counters and stainless appliances (fridge, range, dishwasher, microwave shown). Bathroom vanity, lighting and tile look updated. Minor cosmetic scuffs at baseboards and door thresholds visible but no major deferred maintenance or visible water damage. Missing or damaged small trim and paint touch-ups are easy fixes and do not materially affect habitability."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 75.0,
"rationale": "No obvious exposed wiring, ceilings and walls intact, bedrooms have windows for egress and a ceiling-mounted detector is visible in the hall (likely smoke). Entry has a secure metal/security door and exterior handrail present. Potential compliance issues: no carbon-monoxide detector visible (required where fuel-burning appliances are present), GFCI outlets near sink not verifiable from photos, deadbolt presence not confirmed. No visible mold, active leaks, or loose/absent guardrails. These items are addressable but could produce a conditional fail if not corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 80.0,
"rationale": "Roof appears recently shingled and in good visual condition. HVAC supply/return vents and a thermostat are visible indicating central HVAC likely present. Water heater is present (photo in laundry) and washer/dryer are provided. Kitchen and bathroom plumbing fixtures appear functional. Electrical panel was not photographed; condition of panel and GFCI protection cannot be confirmed. Overall mechanical systems present and appear serviceable, but verification of working HVAC, hot water and intact electrical panel is required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior siding and foundation blocks appear sound with no visible major cracks or settling. Front steps have a handrail and the porch entry is secure. Yard grading appears flat; no standing water visible in photos but drainage around foundation could not be fully assessed. Some minor landscaping and paint touch-ups needed. No visible infestation or major site neglect."
},
{
"key": "rental_history_activity",
"label": "Rental History / Activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.72,
"assumptions": [
"Kitchen and laundry appliances photographed are functional and connected.",
"HVAC system is present and operational (supply/return vents and thermostat visible).",
"Water heater is operational and provides hot water (water heater visible in laundry room).",
"Bedrooms have compliant egress windows (windows visible in bedroom photos appear usable for egress).",
"No active roof leaks or hidden water intrusion beyond what is visible in photos.",
"Electrical panel exists and is intact though not photographed; branch wiring has no hidden hazards unless indicated otherwise.",
"Exterior grading/drainage is acceptable with no chronic standing water (no evidence in photos)."
],
"overall_score": 86.0,
"rubric_version": "nspr-2026-v1"
},
{
"summary": "Overall this 3-bed single-family home appears to be in good turnkey condition after a recent cosmetic remodel. Major building systems are present (HVAC registers, water heater, washer/dryer, full kitchen appliances), roof and exterior appear serviceable, and interior finishes are clean. Primary NSPIRE risk items that should be verified and addressed before inspection are CO detector(s) (gas meter present), GFCI protection in kitchen and bathroom, and confirmation of working smoke detectors in required locations and a labeled electrical panel. With those minor code items checked/installed and a quick exterior clearance and touch-up, the property has a high likelihood of passing an initial HCV/NSPIRE inspection and should be rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Visible Repairs",
"score": 82.0,
"rationale": "Photos show a recent cosmetic renovation: new plank flooring throughout, fresh paint, updated kitchen cabinets, stone counters and stainless appliances (fridge, range, microwave, dishwasher) and a remodeled-looking bathroom vanity and tile. No severe visible damage to walls/ceilings or flooring. Minor scuffs at trim/thresholds and small areas of exterior block staining visible — easy cosmetic fixes. Missing or damaged fixtures are not evident."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk (NSPIRE)",
"score": 70.0,
"rationale": "No obvious life-threatening hazards in photos: no exposed wiring, no collapsed ceilings, interior doors and windows look intact and bedrooms have windows that appear to provide egress. A central HVAC supply/return is visible. However, carbon monoxide alarm(s) are not visible and a gas meter is present on the exterior (so CO alarm likely required); GFCI outlet presence in kitchen and bath is not verifiable from photos; electrical panel not shown. A small round ceiling device visible in a hall photo may be a smoke alarm but that could not be confirmed for all required locations. These unknowns create moderate NSPIRE risk but are likely correctable with minor installs."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical, water heater)",
"score": 78.0,
"rationale": "Roof shingles appear in good condition from front photos with no visible sag or active leaks. Central HVAC registers are visible (suggesting installed central heating/cooling). Water heater is visible in laundry room and appears properly mounted with an expansion tank; washer and dryer present. No obvious active plumbing leaks or water stains in interior photos. Electrical panel and ages of mechanicals are unknown, so moderate uncertainty remains."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 78.0,
"rationale": "Exterior siding and painted block foundation appear serviceable; front porch has handrail/guardrail and concrete steps. Yard is maintained and landscaping present. Some vegetation is close to foundation which should be cleared to prevent moisture/termite risk. No standing water or major drainage issues visible from supplied photos. Chimney looks intact but not fully inspected."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5y) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior photos represent the full interior condition and no significant unseen water damage, mold, or structural issues exist beyond what is visible.",
"The small round ceiling device visible in the hallway is possibly a smoke detector but smoke detectors are not confirmed in all required locations.",
"A gas service meter visible on the exterior indicates at least one gas appliance (likely the range); a carbon monoxide alarm is therefore assumed required but not shown.",
"Electrical panel and GFCI outlet locations are not shown in photos; assume panel is present and functional but GFCI protection in kitchen/bath may be absent or not visible.",
"HVAC is assumed operational because supply/return registers are visible; no evidence of missing heating/cooling equipment in photos but full operation not verified.",
"Water heater and laundry hookups are present and appear serviceable; working hot water is assumed but not directly tested.",
"Rear deck mentioned in description exists but is not shown in supplied photos; its condition is not evaluated here."
],
"overall_score": 77.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Overall this 3-bed, 1-bath single-family house presents as a largely renovated, turn-key candidate for Housing Choice Voucher tenancy with modern kitchen and bathroom finishes, functioning appliances, updated flooring and evidence of HVAC and hot water systems. The property is likely to pass an initial NSPIRE inspection after verification of a few safety items (especially carbon monoxide alarm if gas service is present and GFCI protection in kitchen/bath) and routine quick fixes (smoke detectors in bedrooms if missing, small trim/threshold touch-ups). Expected time-to-rent: under 30 days pending verification and installation of any missing detectors and confirmation of electrical/GFCI and HVAC operation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently updated: new-looking LVP flooring throughout, fresh paint, refaced/painted trim, remodeled bathroom vanity and tile, modern kitchen cabinets and stone counters. Stainless fridge, range, microwave and dishwasher are present in photos. Minor cosmetic scuffs on trim/doors and some transition thresholds visible, but no major deferred maintenance seen. Missing or loose minor items (e.g., small trim touch-ups) likely easy/low-cost fixes."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance (NSPIRE risk)",
"score": 72.0,
"rationale": "Visible safety items: central smoke/heat-looking device in hallway and modern door hardware with deadbolt on entry. Bedrooms have windows (egress likely adequate visually). No exposed live wiring or collapsed ceilings visible. Concerns: no carbon monoxide alarm visible (there is a gas meter at the front exterior suggesting fuel service), GFCI outlets in kitchen/bath are not verifiable from photos, and smoke detectors in individual bedrooms are not clearly shown. These unverified items could cause a failing NSPIRE deficiency if not present/working. No visible mold, active leaks, or severe trip hazards observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, plumbing, electrical, water heater)",
"score": 80.0,
"rationale": "Photos show ceiling HVAC vents indicating central HVAC is present; fixtures and lighting operate in photos. Water heater is visible in laundry area and appears in serviceable condition; washer/dryer present. Roof shingles visible in exterior photos appear recently replaced or in good condition with no visible sagging. Electrical panel is not shown so full electrical condition cannot be confirmed. Plumbing fixtures (kitchen sink, bathroom sink/shower) appear intact. Overall systems appear functional but require verification (panel, HVAC operation, hot water temperature, GFCI protection)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.0,
"rationale": "Exterior siding and painted block foundation are intact with acceptable curb appeal; front steps and a metal handrail are present. Yard is level with basic landscaping and gravel/rock edging; no standing water or heavy vegetation adjacent to foundation visible. Rear deck mentioned in listing but not pictured (cannot verify condition). Chimney and roofline appear straight with no visible major defects. Minor ground/landscaping cleanup and verification of deck condition recommended."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (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 visible carbon monoxide alarm while gas meter is present — potential NSPIRE failure if CO detector absent or nonfunctional",
"GFCI protection in kitchen/bath not verifiable from photos — could result in deficiency if missing"
],
"confidence": 0.75,
"assumptions": [
"Gas service is present (gas meter visible at foundation) — some appliances or water heater likely fuel-fired.",
"Central HVAC is present and operational (ceiling vents visible) though not functionally tested from photos.",
"Smoke/heat device visible in hall is assumed to be a working smoke detector; presence/operation of detectors in each bedroom is not confirmed.",
"No active roof leaks, major foundation movement, or hidden structural failure inferred from exterior photos; roof appears in good visual condition.",
"Electrical panel, GFCI outlet protection, and CO alarm are not visible in photos and thus assumed unverified and needing on-site confirmation.",
"Rear deck referenced in listing exists but condition is not visible in the provided photos and should be inspected."
],
"overall_score": 79.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "216 S 3rd Ave, Birmingham, AL, 35205",
"aggregate": {
"summary": "This 3-bed/1-bath single-family home appears largely turnkey for a Housing Choice Voucher/NSPIRE inspection. Recent interior renovations (flooring, kitchen, bath), functioning appliances, visible HVAC vents and water heater, secure entry and intact roof/foundation point to a high likelihood of passing after minor code verifications. Primary inspection risks are missing/undocumented carbon monoxide detector (if fuel appliances present), unverified GFCI protection near wet areas, and no photo of the electrical panel. These are typical, fixable items and do not indicate structural or life-safety failures.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: new-looking vinyl plank flooring, fresh paint, modern kitchen cabinets, stone counters and stainless appliances (fridge, range, dishwasher, microwave shown). Bathroom vanity, lighting and tile look updated. Minor cosmetic scuffs at baseboards and door thresholds visible but no major deferred maintenance or visible water damage. Missing or damaged small trim and paint touch-ups are easy fixes and do not materially affect habitability."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior siding and foundation blocks appear sound with no visible major cracks or settling. Front steps have a handrail and the porch entry is secure. Yard grading appears flat; no standing water visible in photos but drainage around foundation could not be fully assessed. Some minor landscaping and paint touch-ups needed. No visible infestation or major site neglect."
},
{
"key": "rental_history_activity",
"label": "Rental History / Activity (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 Compliance Risk",
"score": 72.3,
"rationale": "No obvious exposed wiring, ceilings and walls intact, bedrooms have windows for egress and a ceiling-mounted detector is visible in the hall (likely smoke). Entry has a secure metal/security door and exterior handrail present. Potential compliance issues: no carbon-monoxide detector visible (required where fuel-burning appliances are present), GFCI outlets near sink not verifiable from photos, deadbolt presence not confirmed. No visible mold, active leaks, or loose/absent guardrails. These items are addressable but could produce a conditional fail if not corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 79.3,
"rationale": "Roof appears recently shingled and in good visual condition. HVAC supply/return vents and a thermostat are visible indicating central HVAC likely present. Water heater is present (photo in laundry) and washer/dryer are provided. Kitchen and bathroom plumbing fixtures appear functional. Electrical panel was not photographed; condition of panel and GFCI protection cannot be confirmed. Overall mechanical systems present and appear serviceable, but verification of working HVAC, hot water and intact electrical panel is required."
}
],
"red_flags": [],
"confidence": 0.81,
"assumptions": [
"Kitchen and laundry appliances photographed are functional and connected.",
"HVAC system is present and operational (supply/return vents and thermostat visible).",
"Water heater is operational and provides hot water (water heater visible in laundry room).",
"Bedrooms have compliant egress windows (windows visible in bedroom photos appear usable for egress).",
"No active roof leaks or hidden water intrusion beyond what is visible in photos.",
"Electrical panel exists and is intact though not photographed; branch wiring has no hidden hazards unless indicated otherwise.",
"Exterior grading/drainage is acceptable with no chronic standing water (no evidence in photos)."
],
"score_method": "mean_of_criteria",
"overall_score": 79.2,
"rubric_version": "nspr-2026-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7879920047"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.