Property ID: 7881816391
5117 Fairfield St, Metairie, LA, 70006
Metairie, LA
Money Down: $71,736
CoC Return: -5.35%
Monthly Cash Flow: $-320
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,780
Closing Costs
$11,956
Total Down
$71,736
Investment Snapshot
Purchase Price
$298,900
Money Down
$71,736
Cash-on-Cash Return
-5.35%
Rent
$1,696
Monthly Cash Flow
$-320
Annual Cash Flow
$-3,836
Debt Service / Mo
$1,591
Property Tax / Mo
$154
Insurance / Mo
$101
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$101
Property Tax
$154
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,271
Debt Service
$1,591
Cash Flow After Debt
$-320
Quality Score: 80.80%
Confidence: 94.00%
Overall this single-family brick home appears largely turnkey for Section 8 / HCV inspection with minor cosmetic items only. The home shows a newer roof, intact envelope, functional-looking kitchen and visible HVAC registers. Primary inspection risks are verification items not visible in photos: presence/function of smoke and CO alarms, GFCI protection at wet locations, electrical panel condition, and confirmation of operational HVAC/water heater. With those verifications (likely quick fixes if needed), the property should pass an initial NSPIRE/HCV inspection within a short timeframe.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$298,900
Beds
3
Baths
2
Living Area
1,300 sqft
Lot Size
7,405 sqft
Year Built
1974
Days on Market
35
Capital Outlay
$71,736
Debt Service
$1,591
Property Tax / Mo
$154
Insurance / Mo
$101
Property Description
Charming, well-maintained all brick home located on a quiet dead-end street in the heart of Metairie. An ideal family home for entertaining, this home features a modern open floor plan. The huge kitchen features a large center island with stainless steal appliances and an abundance of cabinetry. Other upgrades are a newer roof (2022) and storm shutters for all windows, no carpet, and fully fenced backyard. There are 3 bedrooms, including a master ensuite with walk-in closet and main bath with a large jetted tub. Super convenient to shopping and East Jefferson Medical Center. Hurry and book your showing today! *Seller is related to agent
Utility Allowances
heating
$70
The property has central heating. Natural Gas was selected as the fuel type, which is common for the area and listed for a nearby property.
cooking
$12
The property includes a range/oven. Natural Gas was selected as the fuel type for consistency with the heating system assumption.
water_heating
$24
Fuel type is not specified. Natural Gas was selected for consistency with other assumed gas utilities.
other_electric
$67
This is a standard fixed allowance for electricity for lights, outlets, and general appliances. The property has central air conditioning, which is covered under this category.
water
$43
The property information confirms a connection to public water.
sewer
$46
The property information confirms a connection to a city/public sewer system.
trash_collection
$25
Trash collection is a standard service for a single-family home and is assumed to be applicable.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,216
DP3 Annual Estimate$1,216
DP1 Monthly Equivalent$101
DP3 Monthly Equivalent$101
Replacement Value$90,300
Basis1,300 sqft / 1974
Nearby Houses
Photo unavailable
5120 Fairfield St
for_sale · 0.04 mi
Price: $340,000
3 bd / 2 ba · 1,519 sqft
Latest sale: — on Jul 03, 2013
Latest rent: —
Photo unavailable
4400 Saint Mary St
for_sale · 0.12 mi
Price: $384,000
3 bd / 3 ba · 2,292 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4409 Barnett St
for_sale · 0.12 mi
Price: $535,000
8 bd / 8 ba · 5,108 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4408 Saint Mary St
for_sale · 0.13 mi
Price: $315,000
3 bd / 2 ba · 1,502 sqft
Latest sale: —
Latest rent: —
Photo unavailable
4116 Haring Rd
for_sale · 0.15 mi
Price: $377,000
4 bd / 3 ba · 1,899 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC is present and operational (ceiling registers visible); condenser and serviceable unit exist outside though not pictured.
- Working hot water and water heater are present and functioning (not pictured).
- Smoke detectors and required CO detector(s) are installed and functional or will be installed prior to inspection.
- GFCI protection at kitchen/bath receptacles may be present but not visible; if missing this is an easy/required retrofit rather than major structural work.
- Electrical panel is intact and free of exposed wiring but was not photographed; assumed serviceable in typical updated home of this listing.
- No active roof leaks exist despite not seeing interior roof/rafter spaces; listing's 'newer roof (2022)' is accepted.
- Bedrooms have compliant egress windows or doors (photos show reasonable window size and sliding/french doors in living/dining).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,793 | $142,100 | $14,210 |
| 2024 | $1,790 | $142,100 | $14,210 |
| 2023 | $1,869 | $142,100 | $14,210 |
| 2022 | $1,820 | $142,100 | $14,210 |
| 2021 | $1,690 | $142,100 | $14,210 |
| 2020 | $1,678 | $142,100 | $14,210 |
| 2019 | $1,725 | $142,100 | $14,210 |
| 2018 | $1,611 | $142,100 | $14,210 |
| 2017 | $1,611 | $142,100 | $14,210 |
| 2016 | $1,580 | $142,100 | $14,210 |
| 2015 | $1,618 | $142,100 | $14,210 |
| 2014 | $1,598 | $142,100 | $14,210 |
| 2013 | $1,598 | $142,100 | $14,210 |
| 2012 | $754 | $142,100 | $14,210 |
| 2011 | $706 | $142,100 | $14,210 |
| 2010 | $1,459 | $142,100 | $14,210 |
| 2009 | $1,459 | $142,100 | $14,210 |
| 2008 | $682 | — | $14,210 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-05 | Listed | $298,900 |
| 1977-09-01 | Sold | $0 |
Photo Gallery
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"year": 2012,
"market": {
"land": 51800,
"total": 142100,
"building": 90300
},
"assessment": {
"land": 5180,
"total": 14210,
"building": 9030
}
},
{
"tax": 706,
"year": 2011,
"market": {
"land": 51800,
"total": 142100,
"building": 90300
},
"assessment": {
"land": 5180,
"total": 14210,
"building": 9030
}
},
{
"tax": 1459,
"year": 2010,
"market": {
"land": 51800,
"total": 142100,
"building": 90300
},
"assessment": {
"land": 5180,
"total": 14210,
"building": 9030
}
},
{
"tax": 1459,
"year": 2009,
"market": {
"land": 51800,
"total": 142100,
"building": 90300
},
"assessment": {
"land": 5180,
"total": 14210,
"building": 9030
}
},
{
"tax": 682,
"year": 2008,
"market": null,
"assessment": {
"land": null,
"total": 14210,
"building": null
}
}
],
"property_history": [
{
"date": "2026-03-05",
"price": 298900,
"listing": {
"status": "for_sale",
"list_date": "2026-03-05T03:07:26Z",
"list_price": 298900,
"listing_id": "2992139404",
"last_update_date": "2026-03-23T22:12:54Z",
"last_status_change_date": "2026-03-05T03:07:26Z"
},
"event_name": "Listed",
"price_sqft": 229.92307692307693,
"source_name": "NewOrleans",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2542679",
"price_change_percentage": null
},
{
"date": "1977-09-01",
"price": 0,
"listing": null,
"event_name": "Sold",
"price_sqft": null,
"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": "7881816391",
"generated_at": "2026-03-27T02:04:06.713775Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 80.8
},
"utility_allowance": {
"zip_code": "70006",
"home_photo": "https://ap.rdcpix.com/8467a9e725d19fdc2cc648fcbb14c4f8l-m3562771243s-w1280.jpg",
"rent_price": 1696.0,
"loan_amount": 239120.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/5117-Fairfield-St_Metairie_LA_70006_M78818-16391",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 298900.0,
"loan_term_years": 30,
"annual_cash_flow": 15254.01,
"mortgage_monthly": 1590.87,
"payment_standard": 1983.0,
"total_amount_out": 59780.0,
"additional_photos": [
"https://ap.rdcpix.com/8467a9e725d19fdc2cc648fcbb14c4f8l-m3478757585s-w1280.jpg",
"https://ap.rdcpix.com/8467a9e725d19fdc2cc648fcbb14c4f8l-m2353218502s-w1280.jpg",
"https://ap.rdcpix.com/8467a9e725d19fdc2cc648fcbb14c4f8l-m2620282996s-w1280.jpg",
"https://ap.rdcpix.com/8467a9e725d19fdc2cc648fcbb14c4f8l-m2603793806s-w1280.jpg",
"https://ap.rdcpix.com/8467a9e725d19fdc2cc648fcbb14c4f8l-m65078647s-w1280.jpg",
"https://ap.rdcpix.com/8467a9e725d19fdc2cc648fcbb14c4f8l-m3800286254s-w1280.jpg",
"https://ap.rdcpix.com/8467a9e725d19fdc2cc648fcbb14c4f8l-m2145753099s-w1280.jpg",
"https://ap.rdcpix.com/8467a9e725d19fdc2cc648fcbb14c4f8l-m3338904306s-w1280.jpg",
"https://ap.rdcpix.com/8467a9e725d19fdc2cc648fcbb14c4f8l-m2402256211s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 101.33,
"monthly_cash_flow": 1271.17,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property has central heating. Natural Gas was selected as the fuel type, which is common for the area and listed for a nearby property.",
"utility": "heating",
"allowance": 70
},
{
"note": "The property includes a range/oven. Natural Gas was selected as the fuel type for consistency with the heating system assumption.",
"utility": "cooking",
"allowance": 12
},
{
"note": "Fuel type is not specified. Natural Gas was selected for consistency with other assumed gas utilities.",
"utility": "water_heating",
"allowance": 24
},
{
"note": "This is a standard fixed allowance for electricity for lights, outlets, and general appliances. The property has central air conditioning, which is covered under this category.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "The property information confirms a connection to public water.",
"utility": "water",
"allowance": 43
},
{
"note": "The property information confirms a connection to a city/public sewer system.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Trash collection is a standard service for a single-family home and is assumed to be applicable.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.26,
"down_payment_amount": 59780.0,
"property_tax_annual": 1846.79,
"property_tax_monthly": 153.9,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -3836.45,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": -319.7,
"cash_on_cash_return_after_debt": -0.06
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single-family brick home appears largely turnkey for Section 8 / HCV inspection with minor cosmetic items only. The home shows a newer roof, intact envelope, functional-looking kitchen and visible HVAC registers. Primary inspection risks are verification items not visible in photos: presence/function of smoke and CO alarms, GFCI protection at wet locations, electrical panel condition, and confirmation of operational HVAC/water heater. With those verifications (likely quick fixes if needed), the property should pass an initial NSPIRE/HCV inspection within a short timeframe.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos show a well-maintained interior and exterior: intact brick facade, recent-looking roof (listing says 2022), tile and laminate flooring in good condition, updated kitchen cabinetry and island, stainless appliances present, no visible water stains or collapsed finishes. Cosmetic items (scuff marks on walls, minor landscaping/tidy-up) are the only visible issues. Missing carpet is not an issue. No evidence of exposed subfloor or collapsed ceilings. Overall only minor/cosmetic repairs anticipated."
},
{
"key": "safety_code",
"label": "Safety & Code (NSPIRE risk)",
"score": 75.0,
"rationale": "No obvious life-safety hazards in photos: doors appear secure (metal security doors visible at front/carport), windows look intact and egress appears adequate (bedroom windows and French doors to backyard), no exposed wiring, no visible mold or active water intrusion. Uncertainties reduce score: smoke detectors, carbon monoxide alarm(s), GFCI protection at kitchen sink, and electrical panel condition are not shown. Because these items are commonly present in updated homes but not visible, a moderate reduction was applied for verification risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, roof, electrical)",
"score": 78.0,
"rationale": "Roof is described as newer (2022) and looks in good condition in exterior photos. Ceiling HVAC registers are visible (central HVAC likely), and kitchen appliances are modern stainless units. No visible plumbing leaks, water stains, or damaged fixtures. However, the water heater, HVAC condensing unit, electrical panel and circuit labeling are not shown so functionality and code compliance cannot be fully confirmed—score reflects likely good condition but with some unknowns requiring inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior brick envelope appears sound; gutters present; driveway and carport are intact; front lawn and landscaping are maintained and the yard is described as fully fenced. No visible foundation cracking, sagging rooflines, standing water, or significant site drainage issues in photos. Storm shutters noted in listing (helpful in this market)."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational (ceiling registers visible); condenser and serviceable unit exist outside though not pictured.",
"Working hot water and water heater are present and functioning (not pictured).",
"Smoke detectors and required CO detector(s) are installed and functional or will be installed prior to inspection.",
"GFCI protection at kitchen/bath receptacles may be present but not visible; if missing this is an easy/required retrofit rather than major structural work.",
"Electrical panel is intact and free of exposed wiring but was not photographed; assumed serviceable in typical updated home of this listing.",
"No active roof leaks exist despite not seeing interior roof/rafter spaces; listing's 'newer roof (2022)' is accepted.",
"Bedrooms have compliant egress windows or doors (photos show reasonable window size and sliding/french doors in living/dining)."
],
"overall_score": 81.0,
"rubric_version": "2026-03-hud-nspire-v1"
},
{
"summary": "Overall this property appears close-to turnkey for a Housing Choice Voucher inspection. The home is well maintained with a new roof (2022), intact exterior brickwork, functioning-looking central HVAC vents, and included stainless appliances. Most issues visible are cosmetic and easily remedied. The primary inspection risk is items not shown in photos: smoke/CO detectors, GFCI protection near wet locations, and the unseen water heater/electrical panel. If detectors and required outlet protection are present and operational, the unit is likely to pass initial NSPIRE inspection with only minor fixes; if missing, installation of detectors/GFCIs would be required prior to passing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and description show a well-maintained interior and exterior: tile and laminate flooring throughout (listing states no carpet), intact cabinetry and countertops, stainless steel appliances present, and only minor cosmetic wear (scuffs on island base, wall marks). Kitchen island and fixtures appear solid. No visible damaged drywall, collapsed ceilings, or exposed subfloor. Missing or replaced small fixtures (outlet covers, minor paint touch-ups) are easy-to-fix capital items. Overall condition indicates only minor cosmetic/finish work likely required before tenancy."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No immediate life‑threatening hazards visible: ceilings flat with no sagging, no visible water stains or active leaks, no exposed wiring, stairs/handrails not applicable (single story). Entry doors appear secure and there are security storm/iron doors. However, smoke/CO detectors are not visible in photos (NSPIRE requires detectors in sleeping rooms and on each level as applicable) and GFCI locations near sink are not clearly shown. The jetted tub adds a maintenance item but not an automatic fail. Because detectors and outlet protection cannot be confirmed from photos, a moderate safety deduction is applied; if detectors/GFCIs are present and functional, score would be higher."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Listing documents a newer roof (2022) which reduces near‑term roofing risk; roof looks uniform in photos. Ceiling HVAC vents and ceiling return are visible indicating central HVAC likely present. Stainless appliances (range, dishwasher, refrigerator) seen in photos. Water heater/electrical panel not photographed so their condition is uncertain. Jetted tub plumbing/electrical may require inspection. Given visible evidence of functioning HVAC supply diffusers and the new roof, systems score is positive but reduced for unverified water heater, electrical panel, and GFCI protection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 88.0,
"rationale": "All‑brick single story with level yard, intact gutters, concrete driveway and covered carport. Storm shutters mentioned and security doors visible. Fenced backyard noted in listing (photo of fencing not provided but described). No visible foundation cracking, significant grading/drainage issues, standing water, or exterior structural damage in photos. Landscaping is maintained. Exterior therefore presents low inspection risk."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (ceiling vents visible).",
"Appliances pictured (range, refrigerator, dishwasher) are included and functional as listed.",
"Roof replacement in 2022 is accurate and in good condition as represented in listing.",
"Bedrooms have code-compliant egress windows (not specifically shown but typical for this build/year).",
"No active plumbing leaks or hidden water damage exist beyond what is visible in photos.",
"Electrical panel and water heater exist and are operational though not photographed."
],
"overall_score": 79.0,
"rubric_version": "1.0"
},
{
"summary": "This single-family home appears largely turnkey and would likely pass an initial Housing Choice Voucher (NSPIRE) inspection with minimal remediation. Strengths include an updated roof (2022), an open modern kitchen with working appliances, intact brick exterior, fenced yard and evidence of central HVAC. Primary inspection risks are the absence of visible smoke/CO detectors in the photos and undocumented GFCI/electrical panel condition — these items are frequently required to be verified and corrected before final approval. Expect minor cosmetic touch-ups and verification/installation of required alarms to achieve full compliance.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Interior and exterior appear well maintained. Photos show intact tile and laminate flooring, updated kitchen with stainless appliances (fridge, stove, microwave, dishwasher visible), solid cabinetry, and minimal cosmetic wear (minor wall scuffs). Exterior brick, driveway and carport are in good condition. Listing states roof was replaced in 2022. No major deferred maintenance or collapsed/rotten elements visible. Missing items are limited to minor cosmetic touch-ups (paint patching) and normal cleaning prior to occupancy."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 75.0,
"rationale": "No visible life-safety hazards in photos: ceilings even with no sagging, no visible water stains or mold, windows and doors intact, security/metal screen doors present at entries. Central air vents and ceiling fans present. However, smoke detectors and carbon monoxide alarm(s) are not visible in the images — these are required for NSPIRE/Section 8 and are common inspection-fail items if absent or nonfunctional. GFCI outlets in kitchen/bath are not clearly shown. Electrical wiring appears concealed and no exposed wiring is visible. Bedroom egress not measurable from photos but windows appear of typical size. Overall moderate risk due to lack of visible detectors and undocumented GFCI/electrical panel status."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 80.0,
"rationale": "Evidence of forced-air central HVAC (ceiling vents) and ceiling fans suggests heating/cooling system present. Kitchen appliances (stove, microwave, dishwasher, refrigerator) are installed and appear operational in photos. Listing notes a newer roof (2022) which lowers roof risk. Water heater, electrical panel and plumbing main not pictured — no visible leaks or stains that would suggest active plumbing or water-heater failure. Because mechanicals are present but untested in photos, score reflects likely functional systems with moderate verification risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior brick veneer and roofline present as sound in photos; yard is maintained, concrete driveway and carport are serviceable with no major cracks visible. Listing notes a fully fenced backyard and storm shutters for all windows (positive for security and hurricane/storm readiness). Gutters appear present. No visible standing water, significant grading issues, infestation signs, or foundation cracking in provided exterior shots."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm(s) in interior photos — potential NSPIRE failure if not present/functional.",
"Electrical panel and GFCI protection not shown; absence or noncompliant outlets near wet areas could cause inspection issues."
],
"confidence": 0.65,
"assumptions": [
"Listing is accurate about a 2022 roof replacement and presence of storm shutters and a fully fenced backyard.",
"Kitchen appliances shown in photos are included and operational (fridge, stove range, microwave, dishwasher).",
"Central HVAC is present and operational; ceiling vents indicate forced-air system.",
"No active interior water leaks, significant mold, or structural issues exist beyond what is visible in the photos.",
"Electrical panel and water heater are present on the property but not shown; their condition is unknown and assumed serviceable unless inspection finds otherwise.",
"Bedrooms provide code-compliant egress windows typical of 1974 single-story construction (not measured in photos)."
],
"overall_score": 82.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5117 Fairfield St, Metairie, LA, 70006",
"aggregate": {
"summary": "Overall this single-family brick home appears largely turnkey for Section 8 / HCV inspection with minor cosmetic items only. The home shows a newer roof, intact envelope, functional-looking kitchen and visible HVAC registers. Primary inspection risks are verification items not visible in photos: presence/function of smoke and CO alarms, GFCI protection at wet locations, electrical panel condition, and confirmation of operational HVAC/water heater. With those verifications (likely quick fixes if needed), the property should pass an initial NSPIRE/HCV inspection within a short timeframe.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.0,
"rationale": "Photos show a well-maintained interior and exterior: intact brick facade, recent-looking roof (listing says 2022), tile and laminate flooring in good condition, updated kitchen cabinetry and island, stainless appliances present, no visible water stains or collapsed finishes. Cosmetic items (scuff marks on walls, minor landscaping/tidy-up) are the only visible issues. Missing carpet is not an issue. No evidence of exposed subfloor or collapsed ceilings. Overall only minor/cosmetic repairs anticipated."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 86.0,
"rationale": "Exterior brick envelope appears sound; gutters present; driveway and carport are intact; front lawn and landscaping are maintained and the yard is described as fully fenced. No visible foundation cracking, sagging rooflines, standing water, or significant site drainage issues in photos. Storm shutters noted in listing (helpful in this market)."
},
{
"key": "safety_code",
"label": "Safety & Code (NSPIRE risk)",
"score": 73.3,
"rationale": "No obvious life-safety hazards in photos: doors appear secure (metal security doors visible at front/carport), windows look intact and egress appears adequate (bedroom windows and French doors to backyard), no exposed wiring, no visible mold or active water intrusion. Uncertainties reduce score: smoke detectors, carbon monoxide alarm(s), GFCI protection at kitchen sink, and electrical panel condition are not shown. Because these items are commonly present in updated homes but not visible, a moderate reduction was applied for verification risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, roof, electrical)",
"score": 77.7,
"rationale": "Roof is described as newer (2022) and looks in good condition in exterior photos. Ceiling HVAC registers are visible (central HVAC likely), and kitchen appliances are modern stainless units. No visible plumbing leaks, water stains, or damaged fixtures. However, the water heater, HVAC condensing unit, electrical panel and circuit labeling are not shown so functionality and code compliance cannot be fully confirmed—score reflects likely good condition but with some unknowns requiring inspection."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Central HVAC is present and operational (ceiling registers visible); condenser and serviceable unit exist outside though not pictured.",
"Working hot water and water heater are present and functioning (not pictured).",
"Smoke detectors and required CO detector(s) are installed and functional or will be installed prior to inspection.",
"GFCI protection at kitchen/bath receptacles may be present but not visible; if missing this is an easy/required retrofit rather than major structural work.",
"Electrical panel is intact and free of exposed wiring but was not photographed; assumed serviceable in typical updated home of this listing.",
"No active roof leaks exist despite not seeing interior roof/rafter spaces; listing's 'newer roof (2022)' is accepted.",
"Bedrooms have compliant egress windows or doors (photos show reasonable window size and sliding/french doors in living/dining)."
],
"score_method": "mean_of_criteria",
"overall_score": 80.8,
"rubric_version": "2026-03-hud-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7881816391"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.