Property ID: 7883009971
4328 Old Jasper Hwy, Adamsville, AL, 35005
Adamsville, AL
Money Down: $28,776
CoC Return: 19.50%
Monthly Cash Flow: $468
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
19.50%
Rent
$1,321
Monthly Cash Flow
$468
Annual Cash Flow
$5,612
Debt Service / Mo
$638
Property Tax / Mo
$40
Insurance / Mo
$43
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,321
Payment Standard
$1,804
Rent
$1,321
Insurance
$43
Property Tax
$40
Management
$132
Utilities Allowance
$483
NOI (Monthly)
$1,106
Debt Service
$638
Cash Flow After Debt
$468
Quality Score: 73.10%
Confidence: 88.00%
Overall this 4BR/2BA single-family appears largely turnkey with cosmetic updates, intact roof, maintained exterior, and evidence of recent rental occupancy. Main inspection risks are items not shown in photos: verification of GFCI outlets, CO alarms (if required), functioning water heater, electrical panel condition, and bedroom egress compliance. Missing kitchen appliances will moderately reduce readiness but are not an automatic safety failure. With a short targeted worklist (install/verify CO and GFCI, provide/verify appliances, confirm deadbolt and smoke/CO placement, inspect electrical panel and water heater), the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.
Section 8 Payment Standard
$1,804
Utility Allowance Total
$483
Guaranteed Section 8 Rent (PS - Utilities)
$1,321
Property Management
$132
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
4
Baths
2
Living Area
1,376 sqft
Lot Size
5,663 sqft
Year Built
1949
Days on Market
152
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$40
Insurance / Mo
$43
Property Description
INVESTMENT OPPORTUNITY 4 bedroom 2 bath home has been updated with fresh paint, flooring, granite countertops in the kitchen. Outside you have open decks and a nice flat yard. TENANT OCCUPIED
Utility Allowances
Heating
$119
Selected 'Elec Heat: Ala Power'. Heating fuel was not specified; electric was assumed based on the specified electric water heater. Alabama Power is a major regional provider.
Cooling
$28
Selected 'A/C: Alabama Power'. The property has electric central air conditioning. Alabama Power was chosen for provider consistency.
Cooking
$26
Selected 'Elec: Ala Power'. Cooking fuel was not specified; electric was assumed for consistency with the electric heating and water heating systems.
Water Heating
$71
Selected 'Elec: Ala Power'. The property is specified to have an electric water heater.
Other Electric
$87
Selected 'Lights, Ref, Etc.: Ala Power'. This covers general electricity for lights and standard appliances, including a tenant-provided refrigerator.
Water
$118
Selected 'Water: Graysville'. The property has public water. As the provider for Adamsville is not listed, the most expensive plausible option was chosen.
Sewer
$0
Allowance is $0 because the property is specified to use a Septic Tank, not public sewer.
Trash Collection
$20
Selected 'Jefferson City (Once per week)' as a general county option, since Adamsville is not specifically listed on the schedule.
Refrigerator
$8
An allowance for a tenant-provided refrigerator is included as the property listing does not state one is supplied.
Range/Microwave
$6
An allowance for a tenant-provided range/microwave is included as the property listing does not state one is supplied.
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$397
DP3 Annual Estimate$643
DP1 Monthly Equivalent$33
DP3 Monthly Equivalent$54
Replacement Value$31,600
Basis1,376 sqft / 1949
Nearby Houses
Photo unavailable
4400 Old Jasper Hwy
for_sale · 0.02 mi
Price: $119,000
4 bd / 2 ba · 1,200 sqft
Latest sale: $95,000 on Nov 16, 2018
Latest rent: $1,185 on Dec 04, 2023
Photo unavailable
4421 Old Jasper Hwy
sold · 0.07 mi
Price: $45,000
2 bd / 1 ba · 1,312 sqft
Latest sale: $45,000 on Apr 10, 2020
Latest rent: —
Photo unavailable
4428 Old Jasper Hwy
sold · 0.08 mi
Price: $92,000
3 bd / 2 ba · 1,050 sqft
Latest sale: $92,000 on Apr 09, 2018
Latest rent: $1,160 on Sep 02, 2025
Photo unavailable
4413 Robin Ave
sold · 0.10 mi
Price: $7,500
3 bd / 1 ba · 1,098 sqft
Latest sale: $7,500 on Feb 15, 2017
Latest rent: —
Photo unavailable
4501 Old Jasper Hwy
sold · 0.10 mi
Price: $62,000
2 bd / 1 ba · 970 sqft
Latest sale: $62,000 on Oct 26, 2020
Latest rent: —
Photo unavailable
4316 Tate Ave
sold · 0.13 mi
Price: $123,000
3 bd / 2 ba · 1,153 sqft
Latest sale: $123,000 on Nov 07, 2024
Latest rent: $1,450 on Nov 22, 2024
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Tenant-occupied property status and interior condition indicate HVAC, plumbing, and hot water are functioning, but exact equipment and ages are not visible in photos.
- Smoke detector visible in photos is operational; additional smoke detectors and carbon-monoxide alarms (where required) are not visible and will need verification/installation as needed.
- Kitchen appliances (stove/oven and refrigerator) are not present in photos and should be provided; missing appliances are treated as moderate readiness issues, not inspection-fail safety hazards.
- Electrical panel, GFCI protection, and CO alarm presence are not shown and are assumed unknown — these are moderate inspection risks until verified.
- Bedroom egress (window size/location) judged adequate from photos but not measured; final determination requires in-person measurement.
- Decks and stairs are assumed structurally sound from photos but will require physical check for loose railings, adequate handrails per code and riser/tread uniformity.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $463 | $38,200 | $7,640 |
| 2023 | $463 | $38,200 | $7,640 |
| 2022 | $356 | $29,400 | $5,880 |
| 2021 | $356 | $29,400 | $5,880 |
| 2020 | $356 | $29,400 | $5,880 |
| 2013 | $226 | $46,700 | $4,680 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-06-20 | Sold | $1,220,000 |
| 2019-11-08 | Sold | $98,500 |
| 2019-06-06 | Sold | $8,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-08-14 | Listed for rent | $1,250 | — |
| 2023-10-19 | Listed for rent | $1,210 | — |
| 2019-11-08 | Listed for rent | $940 | — |
Photo Gallery
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"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1250,
"listing_id": "2960299637",
"last_update_date": "2024-08-21T23:15:56Z",
"last_status_change_date": "2024-08-23T00:46:38Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "ShowMojo",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "0c43ee3045",
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},
{
"date": "2024-08-22",
"price": 1250,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1250,
"listing_id": "2960299637",
"last_update_date": "2024-08-21T23:15:56Z",
"last_status_change_date": "2024-08-23T00:46:38Z"
},
"event_name": "Listed for rent",
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},
{
"date": "2024-08-17",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1250,
"listing_id": "2960299637",
"last_update_date": "2024-08-21T23:15:56Z",
"last_status_change_date": "2024-08-23T00:46:38Z"
},
"event_name": "Listing removed",
"price_sqft": null,
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "0c43ee3045",
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},
{
"date": "2024-08-15",
"price": 1250,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1250,
"listing_id": "2960299637",
"last_update_date": "2024-08-21T23:15:56Z",
"last_status_change_date": "2024-08-23T00:46:38Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.6845564074479737,
"source_name": "ShowMojo",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "0c43ee3045",
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},
{
"date": "2023-11-08",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1250,
"listing_id": "2960299637",
"last_update_date": "2024-08-21T23:15:56Z",
"last_status_change_date": "2024-08-23T00:46:38Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "ShowMojo",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "0c43ee3045",
"price_change_percentage": null
},
{
"date": "2023-10-26",
"price": 1185,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1250,
"listing_id": "2960299637",
"last_update_date": "2024-08-21T23:15:56Z",
"last_status_change_date": "2024-08-23T00:46:38Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.6489594742606791,
"source_name": "ShowMojo",
"price_change": -25,
"days_after_listed": null,
"source_listing_id": "0c43ee3045",
"price_change_percentage": null
},
{
"date": "2023-10-20",
"price": 1210,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1250,
"listing_id": "2960299637",
"last_update_date": "2024-08-21T23:15:56Z",
"last_status_change_date": "2024-08-23T00:46:38Z"
},
"event_name": "Listed for rent",
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"source_name": "ShowMojo",
"price_change": 0,
"days_after_listed": null,
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},
{
"date": "2023-10-07",
"price": 0,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1250,
"listing_id": "2960299637",
"last_update_date": "2024-08-21T23:15:56Z",
"last_status_change_date": "2024-08-23T00:46:38Z"
},
"event_name": "Listing removed",
"price_sqft": null,
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"price_change": 0,
"days_after_listed": null,
"source_listing_id": "0c43ee3045",
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},
{
"date": "2023-10-06",
"price": 1210,
"listing": {
"status": "off_market",
"list_date": null,
"list_price": 1250,
"listing_id": "2960299637",
"last_update_date": "2024-08-21T23:15:56Z",
"last_status_change_date": "2024-08-23T00:46:38Z"
},
"event_name": "Listed for rent",
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"source_name": "ShowMojo",
"price_change": 0,
"days_after_listed": null,
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},
{
"date": "2020-09-22",
"price": 940,
"listing": {
"status": "off_market",
"list_date": "2020-09-22T02:52:42Z",
"list_price": 940,
"listing_id": "2795669945",
"last_update_date": "2020-03-28T09:41:04Z",
"last_status_change_date": "2020-09-22T02:52:42Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "867363",
"price_change_percentage": null
},
{
"date": "2019-11-08",
"price": 98500,
"listing": {
"status": "sold",
"list_date": "2020-02-03T11:21:15Z",
"list_price": 98500,
"listing_id": "2912548455",
"last_update_date": "2020-02-03T23:07:26Z",
"last_status_change_date": "2020-02-03T11:21:15Z"
},
"event_name": "Sold",
"price_sqft": 32.811459027315124,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "873442",
"price_change_percentage": null
},
{
"date": "2004-06-24",
"price": 25000,
"listing": null,
"event_name": "Sold",
"price_sqft": 21.258503401360546,
"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": "7883009971",
"generated_at": "2026-02-16T01:38:46.157451Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 73.1
},
"utility_allowance": {
"zip_code": "35005",
"home_photo": "https://ap.rdcpix.com/075066c72d849b45f7836a0ba0afb240l-m2112401935s-w1280.jpg",
"rent_price": 1321.0,
"loan_amount": 95920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4328-Old-Jasper-Hwy_Adamsville_AL_35005_M78830-09971",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 119900.0,
"loan_term_years": 30,
"annual_cash_flow": 13269.91,
"mortgage_monthly": 638.16,
"payment_standard": 1804.0,
"total_amount_out": 23980.0,
"additional_photos": [
"https://ap.rdcpix.com/075066c72d849b45f7836a0ba0afb240l-m3297754066s-w1280.jpg",
"https://ap.rdcpix.com/075066c72d849b45f7836a0ba0afb240l-m1898018117s-w1280.jpg",
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"https://ap.rdcpix.com/075066c72d849b45f7836a0ba0afb240l-m3788701447s-w1280.jpg",
"https://ap.rdcpix.com/075066c72d849b45f7836a0ba0afb240l-m2850990589s-w1280.jpg",
"https://ap.rdcpix.com/075066c72d849b45f7836a0ba0afb240l-m3773472046s-w1280.jpg",
"https://ap.rdcpix.com/075066c72d849b45f7836a0ba0afb240l-m1357965898s-w1280.jpg",
"https://ap.rdcpix.com/075066c72d849b45f7836a0ba0afb240l-m2617422484s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 43.33,
"monthly_cash_flow": 1105.83,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'Elec Heat: Ala Power'. Heating fuel was not specified; electric was assumed based on the specified electric water heater. Alabama Power is a major regional provider.",
"utility": "Heating",
"allowance": 119
},
{
"note": "Selected 'A/C: Alabama Power'. The property has electric central air conditioning. Alabama Power was chosen for provider consistency.",
"utility": "Cooling",
"allowance": 28
},
{
"note": "Selected 'Elec: Ala Power'. Cooking fuel was not specified; electric was assumed for consistency with the electric heating and water heating systems.",
"utility": "Cooking",
"allowance": 26
},
{
"note": "Selected 'Elec: Ala Power'. The property is specified to have an electric water heater.",
"utility": "Water Heating",
"allowance": 71
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power'. This covers general electricity for lights and standard appliances, including a tenant-provided refrigerator.",
"utility": "Other Electric",
"allowance": 87
},
{
"note": "Selected 'Water: Graysville'. The property has public water. As the provider for Adamsville is not listed, the most expensive plausible option was chosen.",
"utility": "Water",
"allowance": 118
},
{
"note": "Allowance is $0 because the property is specified to use a Septic Tank, not public sewer.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Selected 'Jefferson City (Once per week)' as a general county option, since Adamsville is not specifically listed on the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "An allowance for a tenant-provided refrigerator is included as the property listing does not state one is supplied.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "An allowance for a tenant-provided range/microwave is included as the property listing does not state one is supplied.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.55,
"down_payment_amount": 23980.0,
"property_tax_annual": 476.89,
"property_tax_monthly": 39.74,
"property_tax_increase": 0.03,
"utility_allowance_total": 483.0,
"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": 5612.01,
"property_management_monthly": 132.1,
"monthly_cash_flow_after_debt": 467.67,
"cash_on_cash_return_after_debt": 0.23
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 4BR/2BA single-family appears largely turnkey with cosmetic updates, intact roof, maintained exterior, and evidence of recent rental occupancy. Main inspection risks are items not shown in photos: verification of GFCI outlets, CO alarms (if required), functioning water heater, electrical panel condition, and bedroom egress compliance. Missing kitchen appliances will moderately reduce readiness but are not an automatic safety failure. With a short targeted worklist (install/verify CO and GFCI, provide/verify appliances, confirm deadbolt and smoke/CO placement, inspect electrical panel and water heater), the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates: fresh paint, new-looking vinyl plank and tile flooring, repaired baseboards and granite countertops in kitchen. No visible major drywall damage, active water stains, or collapsed ceilings. Missing major appliances (no stove or refrigerator visible) and several small cosmetic scuffs reduce the turnkey rating moderately. Decks and stairs appear serviceable but will need a close check for loose boards/fasteners."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "A ceiling-mounted smoke detector is visible in a living area (good). No obvious exposed wiring, active roof leaks, standing water, mold, or collapsed elements visible in photos. Deck railings are present in photos, though some step heights/transitions between rooms could be trip hazards and should be measured. Carbon monoxide alarms, GFCI protection at kitchen/bath, and presence of a deadbolt are not visible in photos and thus assumed but unconfirmed. Egress for bedrooms looks plausible but not verified. These unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Exterior shows a metal roof in good visual condition and an electrical meter on the sidewall; a mechanical condensing unit or service connection appears present (indicating some form of HVAC) but exact heating/cooling type and age are not shown. No water heater, electrical panel, or plumbing fixtures are visible to confirm condition. Tenant-occupied status and generally well-maintained interior imply working systems, but lack of visual confirmation of panel, water heater, and GFCI reduces the score to moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Property sits on a flat lot with cleared yard and gravel drive; exterior siding and painted finish look maintained. Foundation is block with ventilation openings visible. Front and side decks exist and appear functional; one small storage shed is visible. Minor site debris (tree stump/brush) and unpaved driveway present but do not create major NSPIRE concerns. Drainage away from foundation appears adequate from photos, but final grading and gutter/roof runoff not fully verifiable."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Occupancy Evidence (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": [
"Tenant-occupied property status and interior condition indicate HVAC, plumbing, and hot water are functioning, but exact equipment and ages are not visible in photos.",
"Smoke detector visible in photos is operational; additional smoke detectors and carbon-monoxide alarms (where required) are not visible and will need verification/installation as needed.",
"Kitchen appliances (stove/oven and refrigerator) are not present in photos and should be provided; missing appliances are treated as moderate readiness issues, not inspection-fail safety hazards.",
"Electrical panel, GFCI protection, and CO alarm presence are not shown and are assumed unknown — these are moderate inspection risks until verified.",
"Bedroom egress (window size/location) judged adequate from photos but not measured; final determination requires in-person measurement.",
"Decks and stairs are assumed structurally sound from photos but will require physical check for loose railings, adequate handrails per code and riser/tread uniformity."
],
"overall_score": 78.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "This 4-bed, 2-bath single-family appears largely turnkey for Section 8 with recent cosmetic updates, intact exterior metal roof, and an active rental history. The property shows minor to moderate issues: some vinyl plank buckling (trip/installation issue), missing visible kitchen appliances (no range or refrigerator shown), and limited photographic evidence of mechanical systems (HVAC, water heater, electrical panel) and GFCI/CO protection. No major structural or life-safety failures are evident in the provided photos (no sagging roof, collapsed ceilings, standing water, or exposed dangerous wiring). Likely passable after addressing a few quick items (install/confirm stove & fridge, repair/secure buckled flooring areas, verify/install CO & GFCI devices, confirm HVAC and hot water operation) — target time-to-rent within 1–4 weeks if systems are operational; if systems are non-operational, add repair time.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates (fresh paint, new-looking vinyl plank and tile floors, painted cabinets, granite counters). No obvious large areas of drywall damage or severe wear. Observable issues: several vinyl planks appear slightly buckled/lifted (trip hazard and indicates subfloor/installation issues), one small area of worn decking/steps that may need tightening or new treads, and no kitchen range or refrigerator visible in photos (range hood present). These are mostly cosmetic/installation and appliance replacements — moderate, fairly quick fixes."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "Positive observations: smoke detector visible on ceiling in one interior photo, outlets and cover plates present, windows in sleeping areas visible (egress likely but not fully verified), exterior doors look solid and decks have guardrails. Negative/unknowns: carbon monoxide alarm not visible (may be required if fuel-burning appliances present), GFCI protection in kitchen/baths not visible, no electrical panel or breaker condition shown, bathrooms not photographed (plumbing, GFCI, and any mold issues unknown). Some interior flooring buckling and some step components may be loose — minor trip risks. Overall moderate NSPIRE risk due to missing verification of CO/GFCI/panel and lack of full bathroom view."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 65.0,
"rationale": "Exterior shows utility meter and what appears to be modern metal roofing in good visual condition. No visible roof sagging or active leaks from photos. HVAC equipment is not clearly photographed inside (no furnace/air handler or water heater visible); there is exterior mechanical/electric equipment near the house which suggests an installed system, but operational status unknown. Electrical panel and water heater condition not shown. Given the age of the house (1949) but with visible recent interior updates, systems likely functional but unverified => moderate risk until service records or in-person inspection confirm operation of heat/cool, hot water, and breaker labeling."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, walkways",
"score": 78.0,
"rationale": "Exterior photos show a level yard, painted siding in fair-good condition, metal roof that appears intact, and raised wooden entry decks with guardrails. Foundation appears to be concrete block with crawlspace vents visible. No standing water, visible major foundation cracks, or collapsed structures seen. Some deck stairs/show small support braces that should be checked for secure anchorage. Overall site appears tidy and low risk but needs close inspection of deck/steps anchoring and crawlspace access."
},
{
"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": [],
"confidence": 0.7,
"assumptions": [
"Photos are recent and reflect current condition; property is tenant-occupied as stated.",
"Bedrooms have operable egress windows (windows visible in bedrooms but not individually verified to meet egress size).",
"HVAC and water heater exist on-site though operational condition is not shown in photos; exterior equipment near the house suggests installed mechanicals.",
"No visible evidence of active roof leaks, major foundation movement, or collapsed ceilings in supplied photos; if present but not photographed this would change the rating.",
"Kitchen appliances (stove, refrigerator) are not visible in photos and are assumed to be absent or not included; missing appliances will be required but are not a catastrophic inspection failure by themselves.",
"Smoke detector seen in one photo is functional; carbon monoxide alarm and required GFCI protection are not visible so assumed absent until confirmed."
],
"overall_score": 72.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears in generally good, updated condition with mainly cosmetic repairs and routine turnover work needed. Major safety hazards were not observed in photos; however mechanical systems (heating, cooling, water heater) are not shown and should be verified. Likely to pass an initial HCV/NSPIRE inspection after addressing minor items (verify HVAC and hot water, confirm CO/GFCI/detectors, fix a few floor transitions and handrail details). Estimated rent-ready timeframe: 1–4 weeks depending on appliance/mechanical verification and small fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic updates (fresh paint, new-looking vinyl plank and tile floors, granite counters) and generally clean surfaces. Minor finish issues observed: several vinyl planks show slight buckling/lift, some trim and cabinet bases could use touch-up, and no kitchen appliances are shown (stove/fridge not visible) — missing appliances reduce readiness moderately but are easy capital items. Overall repairs appear cosmetic/minor and straightforward."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "No obvious life-safety failures visible. A ceiling smoke detector is present in photos. No exposed wiring or active water intrusion visible. Entry doors appear secure and exterior meter/service looks intact. Uncertainties that affect compliance: CO detector presence not shown (may be required if fuel appliances present), GFCI protection in kitchen/bath not visible, and bedroom egress windows are likely present but cannot be fully confirmed from photos. Exterior steps generally have railings but a few small stairs may not have continuous handrails. These are moderate NSPIRE risks that can be remediated quickly if required."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "Exterior shows electrical service; roof appears to be metal and in good visual condition. However photos do not clearly show an HVAC condenser, furnace, or water heater — absence of visible heating/cooling or water heater in listing photos is a material unknown. Plumbing fixtures in kitchen visible (sink) but hot water availability and water heater condition are unverified. Because major mechanicals cannot be confirmed from photos, assign a conservative score reflecting medium risk until system documentation/inspection is provided."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding and painted surfaces appear serviceable; metal roof looks intact; foundation is elevated on block with vents visible (no obvious foundation displacement). Yard is flat and accessible; decks/porches present and generally in usable condition. Minor site items: gravel driveway/walkway and a stump indicate some site clean-up needed; an outbuilding is present and appears weathered. No visible standing water, major erosion, or pest infestation in photos."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible central heating system / HVAC equipment in photos — absence of visible heating/AC is a material unknown that must be verified (major NSPIRE risk if absent or nonfunctional).",
"Observed vinyl plank buckling/lift in multiple locations — could indicate subfloor or moisture/installation issues that require correction.",
"Some exterior/interior stairs have limited or non-continuous handrail coverage in photos; handrail compliance should be confirmed and corrected if needed."
],
"confidence": 0.6,
"assumptions": [
"Property is tenant-occupied and systems (HVAC, water heater) are installed and functional though not visible in listing photos.",
"Kitchen appliances (range, refrigerator) are not visible in photos and may be missing; missing appliances are considered moderate, capital-only items.",
"No active roof leaks, major foundation movement, or hidden mold are present — none indicated in photos; this is an assumption based on visible condition.",
"Smoke detector visible represents property-wide presence of detectors (additional detectors may still be required per NSPIRE locations).",
"Electrical panel is intact and service is up to code; no exposed wiring was observed in photos.",
"Bedrooms have required egress windows though individual window dimensions cannot be confirmed from photos."
],
"overall_score": 74.0,
"rubric_version": "ns-pg-2026-1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4328 Old Jasper Hwy, Adamsville, AL, 35005",
"aggregate": {
"summary": "Overall this 4BR/2BA single-family appears largely turnkey with cosmetic updates, intact roof, maintained exterior, and evidence of recent rental occupancy. Main inspection risks are items not shown in photos: verification of GFCI outlets, CO alarms (if required), functioning water heater, electrical panel condition, and bedroom egress compliance. Missing kitchen appliances will moderately reduce readiness but are not an automatic safety failure. With a short targeted worklist (install/verify CO and GFCI, provide/verify appliances, confirm deadbolt and smoke/CO placement, inspect electrical panel and water heater), the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Interior photos show recent cosmetic updates: fresh paint, new-looking vinyl plank and tile flooring, repaired baseboards and granite countertops in kitchen. No visible major drywall damage, active water stains, or collapsed ceilings. Missing major appliances (no stove or refrigerator visible) and several small cosmetic scuffs reduce the turnkey rating moderately. Decks and stairs appear serviceable but will need a close check for loose boards/fasteners."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 77.7,
"rationale": "Property sits on a flat lot with cleared yard and gravel drive; exterior siding and painted finish look maintained. Foundation is block with ventilation openings visible. Front and side decks exist and appear functional; one small storage shed is visible. Minor site debris (tree stump/brush) and unpaved driveway present but do not create major NSPIRE concerns. Drainage away from foundation appears adequate from photos, but final grading and gutter/roof runoff not fully verifiable."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Occupancy Evidence (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 71.7,
"rationale": "A ceiling-mounted smoke detector is visible in a living area (good). No obvious exposed wiring, active roof leaks, standing water, mold, or collapsed elements visible in photos. Deck railings are present in photos, though some step heights/transitions between rooms could be trip hazards and should be measured. Carbon monoxide alarms, GFCI protection at kitchen/bath, and presence of a deadbolt are not visible in photos and thus assumed but unconfirmed. Egress for bedrooms looks plausible but not verified. These unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 66.7,
"rationale": "Exterior shows a metal roof in good visual condition and an electrical meter on the sidewall; a mechanical condensing unit or service connection appears present (indicating some form of HVAC) but exact heating/cooling type and age are not shown. No water heater, electrical panel, or plumbing fixtures are visible to confirm condition. Tenant-occupied status and generally well-maintained interior imply working systems, but lack of visual confirmation of panel, water heater, and GFCI reduces the score to moderate."
}
],
"red_flags": [],
"confidence": 0.88,
"assumptions": [
"Tenant-occupied property status and interior condition indicate HVAC, plumbing, and hot water are functioning, but exact equipment and ages are not visible in photos.",
"Smoke detector visible in photos is operational; additional smoke detectors and carbon-monoxide alarms (where required) are not visible and will need verification/installation as needed.",
"Kitchen appliances (stove/oven and refrigerator) are not present in photos and should be provided; missing appliances are treated as moderate readiness issues, not inspection-fail safety hazards.",
"Electrical panel, GFCI protection, and CO alarm presence are not shown and are assumed unknown — these are moderate inspection risks until verified.",
"Bedroom egress (window size/location) judged adequate from photos but not measured; final determination requires in-person measurement.",
"Decks and stairs are assumed structurally sound from photos but will require physical check for loose railings, adequate handrails per code and riser/tread uniformity."
],
"score_method": "mean_of_criteria",
"overall_score": 73.1,
"rubric_version": "2026-02-hcv-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7883009971"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.