Property ID: 7886140311
1377 Fulton Ave, Tarrant, AL, 35217
Tarrant, AL
Money Down: $23,520
CoC Return: 12.30%
Monthly Cash Flow: $241
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,600
Closing Costs
$3,920
Total Down
$23,520
Investment Snapshot
Purchase Price
$98,000
Money Down
$23,520
Cash-on-Cash Return
12.30%
Rent
$980
Monthly Cash Flow
$241
Annual Cash Flow
$2,893
Debt Service / Mo
$522
Property Tax / Mo
$44
Insurance / Mo
$75
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$980
Payment Standard
$1,419
Rent
$980
Insurance
$75
Property Tax
$44
Management
$98
Utilities Allowance
$439
NOI (Monthly)
$763
Debt Service
$522
Cash Flow After Debt
$241
Quality Score: 60.50%
Confidence: 87.00%
Property appears structurally sound and was remodeled recently, with intact roof, floors, and functional plumbing fixtures present. Primary issues for an initial Section 8/NSPIRE inspection are missing/uncertain safety items (no visible smoke/CO detectors, missing exterior handrail on front steps), cosmetic repairs/cleaning (stained tub, scuffed walls, cabinet repairs), and installation/verification of kitchen appliances and GFCI protection. These are mostly repairable within a short timeframe, but safety items must be corrected prior to a successful initial inspection.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$439
Guaranteed Section 8 Rent (PS - Utilities)
$980
Property Management
$98
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$98,000
Beds
3
Baths
1
Living Area
1,560 sqft
Lot Size
7,405 sqft
Year Built
1925
Days on Market
23
Capital Outlay
$23,520
Debt Service
$522
Property Tax / Mo
$44
Insurance / Mo
$75
Property Description
Great Investment Opportunity. Property was remodeled 24 months ago, with some cosmetic updates this property would make a great rental or flip. 3 bedrooms 1 bath, hardwood and lvp floors throughout. Off Street Parking, spacious yard and a covered porch give this home tons of potential. Sold As-Is, right redemption may apply.
Utility Allowances
Heating
$38
Property has central heat and a gas water heater, implying gas heating. Selected 'N'Gas: Spire' as the most common regional provider.
Cooling
$17
Property has central cooling. Selected 'A/C: Tarrant' based on the property's location.
Water Heating
$35
Property explicitly lists 'Gas (WTRHTR)'. Selected 'N'Gas: Spire' for consistency.
Cooking
$15
Property has a gas hookup for other appliances. Assumed gas for cooking. Selected 'N'Gas: Spire' for consistency.
Other Electric
$64
Covers lights and general electric use. Selected 'Lights, Ref, Etc.: Tarrant' based on the property's location.
Water
$78
Property has public water. Selected 'Water: Birmingham' as it serves the Tarrant area.
Sewer
$151
Property is connected to public sewer. The allowance is based on the fixed schedule amount for the unit size.
Trash Collection
$27
Selected 'Tarrant City ISCL' based on the property's city location.
Refrigerator
$8
A refrigerator is not specified as included with the property, so it is assumed to be tenant-owned.
Range/Microwave
$6
A range or microwave is not specified as included, so an allowance for a tenant-owned appliance is provided.
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$744
DP3 Annual Estimate$1,056
DP1 Monthly Equivalent$62
DP3 Monthly Equivalent$88
Replacement Value$87,000
Basis1,560 sqft / 1925
Nearby Houses
Photo unavailable
1389 Fulton Ave
sold · 0.03 mi
Price: $80,340
4 bd / 2 ba · 1,614 sqft
Latest sale: $80,340 on Apr 01, 2025
Latest rent: —
Photo unavailable
4304 51st Ave N Lot 5
for_sale · 0.03 mi
Price: $13,500
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
1372 Fulton Ave
sold · 0.04 mi
Price: $39,000
2 bd / 1 ba · 840 sqft
Latest sale: $39,000
Latest rent: —
Photo unavailable
1397 Fulton Ave
sold · 0.05 mi
Price: $45,000
3 bd / 1 ba · 1,122 sqft
Latest sale: $45,000
Latest rent: —
Photo unavailable
4320 51st Ave N
sold · 0.05 mi
Price: $35,000
3 bd / 1 ba · 1,525 sqft
Latest sale: $35,000 on Apr 28, 2022
Latest rent: —
Photo unavailable
1399 Fulton Ave
sold · 0.06 mi
Price: $32,000
3 bd / 1 ba · 1,540 sqft
Latest sale: $32,000
Latest rent: —
Photo unavailable
4301 51st Ave N
sold · 0.06 mi
Price: $99,900
4 bd / 2 ba · 1,845 sqft
Latest sale: $99,900 on Mar 15, 2021
Latest rent: —
Photo unavailable
1353 Fulton Ave
sold · 0.07 mi
Price: $71,000
3 bd / 2 ba · 1,064 sqft
Latest sale: $71,000
Latest rent: —
Photo unavailable
4315 51st Ave N
sold · 0.07 mi
Price: $15,500
3 bd / 1 ba
Latest sale: $15,500 on Oct 03, 2016
Latest rent: —
Photo unavailable
1369 Park Ave
sold · 0.07 mi
Price: $15,000
3 bd / 2 ba · 1,582 sqft
Latest sale: $15,000
Latest rent: —
Photo unavailable
1349 Fulton Ave
sold · 0.08 mi
Price: $115,000
3 bd / 2 ba · 1,080 sqft
Latest sale: $115,000 on Nov 30, 2023
Latest rent: $975 on Dec 13, 2022
Photo unavailable
1061 Bristol St
sold · 0.08 mi
Price: $58,000
2 bd / 1 ba · 736 sqft
Latest sale: $58,000
Latest rent: —
Photo unavailable
5021 43rd St N
sold · 0.08 mi
Price: $40,000
2 bd / 1 ba · 834 sqft
Latest sale: $40,000 on Sep 27, 2024
Latest rent: $625 on Oct 14, 2015
Photo unavailable
1348 Fulton Ave
sold · 0.08 mi
Price: $33,500
2 bd / 1 ba · 1,080 sqft
Latest sale: $33,500
Latest rent: —
Photo unavailable
1338 Park Ave
for_sale · 0.10 mi
Price: $78,000
3 bd / 1 ba · 1,194 sqft
Latest sale: $258,437
Latest rent: —
Photo unavailable
5019 42nd Pl N
sold · 0.11 mi
Price: $73,500
3 bd / 1 ba · 876 sqft
Latest sale: $73,500 on Jun 09, 2022
Latest rent: $1,100 on Aug 22, 2024
Photo unavailable
1326 Park Ave
sold · 0.12 mi
Price: $40,000
3 bd / 1 ba · 1,344 sqft
Latest sale: $40,000
Latest rent: —
Photo unavailable
5015 42nd Pl N
sold · 0.13 mi
Price: $87,500
3 bd / 2 ba · 1,500 sqft
Latest sale: $87,500 on Jun 09, 2023
Latest rent: $1,250 on Mar 13, 2025
Risk and Criteria Detail
Red Flags
- success
- Exterior front stairway lacks a handrail (trip/fall hazard; common NSPIRE fail).
- No visible smoke detectors or carbon monoxide detectors in interior photos (required).
- Stained/deteriorated bathtub/tile in bathroom suggests possible mold/moisture or past leaks requiring remediation.
- Kitchen appears to lack visible range/oven and refrigerator in photos—appliances must be provided/installed prior to renting.
- Concrete steps/retaining wall and sidewalk cracks create trip hazards and show localized deterioration that should be repaired.
Assumptions
- Remodel 24 months ago indicates many interior finishes updated; assume no active major roof leak since no ceiling stains are visible.
- Central HVAC likely present because floor registers are visible; assumed operational but untested.
- No smoke or CO detectors were visible in photos; assume none are installed or not visible and therefore must be confirmed/installed.
- Electrical panel, GFCI outlets, and water heater were not photographed; assume standard older systems may be present and require on-site verification.
- Stained bathtub and tile likely from dirt/neglect rather than active major plumbing failure, but could indicate prior leaks that require inspection.
- No evidence of severe foundation movement or structural sagging in exterior photos; assume foundation is stable absent other documentation.
- Listing "Sold As-Is" may indicate seller will not remediate items; buyer/owner must expect to complete repairs for voucher inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $516 | $100,900 | $10,100 |
| 2023 | $1,138 | $100,900 | $20,180 |
| 2022 | $780 | $69,200 | $13,840 |
| 2021 | $865 | $76,700 | $15,340 |
| 2020 | $823 | $73,000 | $14,600 |
| 2019 | $865 | $76,700 | $15,340 |
| 2018 | $736 | $65,300 | $13,060 |
| 2017 | $315 | $65,300 | $6,540 |
| 2016 | $295 | $61,700 | $6,180 |
| 2015 | $315 | $65,300 | $6,540 |
| 2013 | $289 | $59,800 | $5,980 |
| 2012 | $315 | $64,350 | $6,435 |
| 2011 | $734 | $63,800 | $12,760 |
| 2010 | $363 | $72,900 | $7,290 |
| 2009 | $837 | $72,900 | $14,580 |
| 2008 | $855 | $74,500 | $14,900 |
| 2007 | $831 | $72,400 | $14,480 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-24 | Listed | $98,000 |
| 2025-12-31 | Listing removed | $0 |
| 2025-08-27 | Price Changed | $132,000 |
| 2025-08-07 | Price Changed | $89,000 |
| 2025-08-05 | Listed | $114,000 |
| 2023-11-03 | Sold | $109,900 |
| 2023-09-27 | Listed | $109,900 |
| 2023-08-14 | Listing removed | $0 |
| 2023-04-28 | Price Changed | $74,900 |
| 2023-03-30 | Price Changed | $79,900 |
| 2023-03-10 | Price Changed | $69,900 |
| 2022-10-24 | Listed | $74,900 |
| 2022-08-15 | Sold | $741,200 |
| 2021-12-29 | Sold | $53,000 |
| 2021-04-13 | Listing removed | $750 |
| 2018-03-29 | Sold | $54,000 |
| 2011-08-19 | Sold | $61,500 |
| 2011-03-30 | Sold | $12,000 |
| 2011-03-16 | Relisted | $14,500 |
| 2011-03-14 | Listing removed | $14,500 |
| 2011-02-16 | Relisted | $14,500 |
| 2011-02-14 | Listing removed | $14,500 |
| 2011-01-25 | Price Changed | $14,500 |
| 2010-12-20 | Price Changed | $17,500 |
| 2010-11-16 | Listed | $20,900 |
Photo Gallery
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"date": "2021-12-29",
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{
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},
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{
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{
"date": "2011-08-19",
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{
"date": "2011-03-30",
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{
"date": "2011-03-16",
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{
"date": "2011-03-14",
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},
{
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{
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{
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{
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},
{
"date": "2010-11-16",
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},
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},
{
"date": "2010-04-03",
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"listing": {
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"list_price": 86000,
"listing_id": "512654179",
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"last_status_change_date": "2010-04-03T07:00:00Z"
},
"event_name": "Listing removed",
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{
"date": "2009-12-14",
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"listing": null,
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"days_after_listed": "72 days",
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},
{
"date": "2009-10-03",
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"listing": {
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"list_price": 86000,
"listing_id": "512654179",
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"last_status_change_date": "2010-04-03T07:00:00Z"
},
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"source_name": "GreaterAlabamaMLS",
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"source_listing_id": "442480",
"price_change_percentage": "+661.06%"
},
{
"date": "2009-04-02",
"price": 11300,
"listing": {
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"list_date": "2009-02-17T07:00:00Z",
"list_price": 14900,
"listing_id": "502223279",
"last_update_date": "2009-04-03T12:32:25Z",
"last_status_change_date": "2009-04-02T07:00:00Z"
},
"event_name": "Sold",
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"source_name": "GreaterAlabamaMLS",
"price_change": -8600,
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"source_listing_id": "419172",
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},
{
"date": "2009-03-09",
"price": 19900,
"listing": {
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"list_price": 14900,
"listing_id": "502223279",
"last_update_date": "2009-04-03T12:32:25Z",
"last_status_change_date": "2009-04-02T07:00:00Z"
},
"event_name": "Relisted",
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},
{
"date": "2009-02-21",
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"listing": {
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"list_price": 14900,
"listing_id": "502223279",
"last_update_date": "2009-04-03T12:32:25Z",
"last_status_change_date": "2009-04-02T07:00:00Z"
},
"event_name": "Listing removed",
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"price_change": 0,
"days_after_listed": "3 days",
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},
{
"date": "2009-02-18",
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"listing": {
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"list_price": 14900,
"listing_id": "502223279",
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"last_status_change_date": "2009-04-02T07:00:00Z"
},
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},
{
"date": "2009-02-11",
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"listing": {
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"list_date": "2008-10-09T07:00:00Z",
"list_price": 29000,
"listing_id": "541905547",
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"last_status_change_date": "2009-02-11T07:00:00Z"
},
"event_name": "Listing removed",
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "125 days",
"source_listing_id": "408097",
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},
{
"date": "2008-10-09",
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{
"date": "2004-06-15",
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{
"date": "2004-04-12",
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"days_after_listed": "90 days",
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{
"date": "2004-01-13",
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{
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{
"date": "2003-03-26",
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"days_after_listed": "89 days",
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{
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{
"date": "1989-12-14",
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],
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}
},
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},
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"generated_at": "2026-02-16T03:12:44.114496Z",
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"processing_status": {
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"eligible": true,
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"home_photo": "https://ap.rdcpix.com/2840ea15dcf1a1d83d7b7e5393f1d103l-m2993955755s-w1280.jpg",
"rent_price": 980.0,
"loan_amount": 78400.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1377-Fulton-Ave_Tarrant_AL_35217_M78861-40311",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 98000.0,
"loan_term_years": 30,
"annual_cash_flow": 9152.52,
"mortgage_monthly": 521.6,
"payment_standard": 1419.0,
"total_amount_out": 19600.0,
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"down_payment_rate": 0.2,
"insurance_monthly": 75.0,
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"_utility_allowance": {
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],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central heat and a gas water heater, implying gas heating. Selected 'N'Gas: Spire' as the most common regional provider.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Property has central cooling. Selected 'A/C: Tarrant' based on the property's location.",
"utility": "Cooling",
"allowance": 17
},
{
"note": "Property explicitly lists 'Gas (WTRHTR)'. Selected 'N'Gas: Spire' for consistency.",
"utility": "Water Heating",
"allowance": 35
},
{
"note": "Property has a gas hookup for other appliances. Assumed gas for cooking. Selected 'N'Gas: Spire' for consistency.",
"utility": "Cooking",
"allowance": 15
},
{
"note": "Covers lights and general electric use. Selected 'Lights, Ref, Etc.: Tarrant' based on the property's location.",
"utility": "Other Electric",
"allowance": 64
},
{
"note": "Property has public water. Selected 'Water: Birmingham' as it serves the Tarrant area.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property is connected to public sewer. The allowance is based on the fixed schedule amount for the unit size.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Tarrant City ISCL' based on the property's city location.",
"utility": "Trash Collection",
"allowance": 27
},
{
"note": "A refrigerator is not specified as included with the property, so it is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A range or microwave is not specified as included, so an allowance for a tenant-owned appliance is provided.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.47,
"down_payment_amount": 19600.0,
"property_tax_annual": 531.48,
"property_tax_monthly": 44.29,
"property_tax_increase": 0.03,
"utility_allowance_total": 439.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2893.35,
"property_management_monthly": 98.0,
"monthly_cash_flow_after_debt": 241.11,
"cash_on_cash_return_after_debt": 0.15
},
"section8_assessment": {
"runs": [
{
"summary": "Property appears structurally sound and was remodeled recently, with intact roof, floors, and functional plumbing fixtures present. Primary issues for an initial Section 8/NSPIRE inspection are missing/uncertain safety items (no visible smoke/CO detectors, missing exterior handrail on front steps), cosmetic repairs/cleaning (stained tub, scuffed walls, cabinet repairs), and installation/verification of kitchen appliances and GFCI protection. These are mostly repairable within a short timeframe, but safety items must be corrected prior to a successful initial inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior shows recent remodeling (LVP and hardwood floors) and generally intact finishes. Visible cosmetic issues: scuffed/dirty walls, cabinet damage, missing cabinet toe/kick pieces, dirty/stained bathtub, and general cleaning required. No collapsed ceilings, visible major structural damage, or widespread flooring failure. Listing and photos do not show a range/oven or refrigerator — missing appliances reduce readiness but are not automatic safety failures. Overall moderate cosmetic/finish work and appliance installation required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No visible smoke or CO detectors in photos (likely required); exterior front stairs from sidewalk to porch lack a handrail which is a common NSPIRE fail/hazard on multi‑rise steps. Bedrooms appear to have windows that likely provide egress, but exact dimensions not confirmed. No obvious exposed wiring or smashed outlets visible, but GFCI outlets in kitchen/bath not shown. Bathroom shows staining in tub area which could indicate previous leaks or mold risk; needs verification. Entry door appears secure and there is a solid porch wall. Because several required safety items are unverified or missing in photos (smoke/CO detectors, handrail, GFCI), this category is a risk area."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Roof appears shingled and intact from photos; no visible roof sagging or active leak stains on ceilings. Floor registers are visible indicating a central HVAC/forced-air system likely present, but no thermostat, furnace, water heater, or electrical panel photos were provided to confirm condition or age. Plumbing fixtures exist (toilet, sink, tub) but tub shows staining and grout/tile deterioration that should be assessed. Overall systems appear present and functional but unverified and will require on-site testing (heat, hot water, electrical breakers, appliance hookups)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior envelope (siding/paint) looks maintained; foundation exposure appears minimal and there is no visible major foundation cracking or settling in supplied photos. The lot slopes to the street with a retaining/seat wall that shows some wear and stepped walkways with visible concrete cracks—these are moderate trip hazards and the front staircase lacks a handrail. Large tree adjacent to structure may merit inspection for roots/roof debris. Yard is usable and driveway/off-street parking present. No visible standing water or active infestation signs."
}
],
"red_flags": [
"Exterior front stairway lacks a handrail (trip/fall hazard; common NSPIRE fail).",
"No visible smoke detectors or carbon monoxide detectors in interior photos (required).",
"Stained/deteriorated bathtub/tile in bathroom suggests possible mold/moisture or past leaks requiring remediation.",
"Kitchen appears to lack visible range/oven and refrigerator in photos—appliances must be provided/installed prior to renting.",
"Concrete steps/retaining wall and sidewalk cracks create trip hazards and show localized deterioration that should be repaired."
],
"confidence": 0.65,
"assumptions": [
"Remodel 24 months ago indicates many interior finishes updated; assume no active major roof leak since no ceiling stains are visible.",
"Central HVAC likely present because floor registers are visible; assumed operational but untested.",
"No smoke or CO detectors were visible in photos; assume none are installed or not visible and therefore must be confirmed/installed.",
"Electrical panel, GFCI outlets, and water heater were not photographed; assume standard older systems may be present and require on-site verification.",
"Stained bathtub and tile likely from dirt/neglect rather than active major plumbing failure, but could indicate prior leaks that require inspection.",
"No evidence of severe foundation movement or structural sagging in exterior photos; assume foundation is stable absent other documentation.",
"Listing \"Sold As-Is\" may indicate seller will not remediate items; buyer/owner must expect to complete repairs for voucher inspection."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate repairs required. The house appears structurally intact and was recently remodeled, with mostly cosmetic and systems-verification work remaining. Key easy fixes include cabinet repair, cleaning/rehab of bathroom surfaces, paint, and supplying/confirming kitchen appliances. Primary inspection risk is the exterior stairs without a handrail (likely NSPIRE/local fail) and uncertain presence/function of smoke/CO detectors and GFCI protection. Mechanical systems (HVAC, water heater, electrical panel) were not shown and must be verified. With 30–60 days of typical repairs and checks (install handrail(s), remediate bathroom staining if mold, confirm/repair detectors/outlets, install missing appliances if required), the property is likely able to pass an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 62.0,
"rationale": "Interior photos show generally intact surfaces: hardwood and LVP floors in good condition, ceilings appear sound, and rooms are structurally complete. Cosmetic deferred maintenance exists (scuffed/marked walls, missing/removed cabinet faces, worn paint, stained bathtub). Some cabinetry and trim need repair or replacement; bathroom needs cleaning/repair. Appliances: no range or refrigerator are visible (dishwasher present). These are mostly cosmetic / capital items that are fairly easy to fix, so score reflects minor-to-moderate work rather than major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "No obvious exposed wiring, major ceiling/floor collapse, or large foundation displacement in photos. However there are inspection-risk items: exterior front stairs (multiple risers) have no visible handrail which is commonly an NSPIRE/local fail for safe stairs; bathroom tub shows heavy staining that may indicate mold/previous leaks; presence of smoke/carbon monoxide detectors is not clearly documented in photos (one small ceiling device is visible in a bedroom but not confirmed throughout). GFCI locations, electrical panel, and hot water system were not shown. Because of the missing handrail and uncertain life-safety devices, safety risk is moderate and could produce an initial fail without corrective work."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 60.0,
"rationale": "Roof appears intact from the photos shown with asphalt shingles in place and no visible sagging or open areas. Floor vents visible suggest a forced-air HVAC system is present, but no mechanical equipment or water heater were photographed, so operational status is unknown. No visible active leaks or standing water in photos, and plumbing fixtures exist (sink, toilet, tub). Electrical panel and GFCI outlets were not shown. Given visible finishes and recent remodel claim, it's reasonable to assume systems exist and are functional but may be older and need verification; that yields a moderate score."
},
{
"key": "exterior_site",
"label": "Exterior and site condition",
"score": 60.0,
"rationale": "Exterior envelope (painted siding/brick, chimney) appears generally intact and painted. The front retaining walls and concrete steps show age/wear; some retaining wall surfaces are deteriorated and paint is flaking. Yard is spacious and draining away appears plausible, but grading and drainage were not inspected in detail. The main exterior safety concern is the lack of a handrail on the long stairs from the street to the porch. No evidence of standing water, major foundation failure, or infestation was visible in photos."
}
],
"red_flags": [
"Exterior stairs from street to porch have no visible handrail — unsafe stairs / missing handrail (likely NSPIRE/local fail).",
"Unconfirmed presence/function of smoke detectors and carbon monoxide detectors in required locations.",
"Bathroom shows heavy staining on tub/tile — potential mold or prior water intrusion needing remediation."
],
"confidence": 0.65,
"assumptions": [
"Floor vents visible indicate a forced-air HVAC system exists on site; operational status unknown.",
"No active roof leaks or major structural sagging are present based on exterior and interior ceiling photos.",
"Bedrooms have adequately sized windows for egress based on visible window sizes; exact egress dimensions not measured.",
"Electrical panel, water heater, and GFCI outlets were not photographed and their condition is unknown; assumed present but unverified.",
"A stove/oven and refrigerator are not visible in photos; missing major appliances will reduce rent-readiness but are not treated as immediate safety failures.",
"The stained bathtub/tile likely indicates heavy soiling or prior leaks; mold presence is possible but not confirmed without testing."
],
"overall_score": 58.0,
"rubric_version": "ns-2026-1"
},
{
"summary": "Moderate-risk rental candidate. The house shows a relatively recent remodel and generally serviceable floors, windows and finishes, but there are inspection-risk items that will likely prevent a first-pass HCV/NSPIRE pass: missing/uncertain smoke detectors, exterior steps without a handrail, bathroom tub/tile deterioration (possible moisture/mold) and damaged retaining walls/erosion creating trip hazards. Mechanical systems (HVAC, water heater, electric) are plausible but not documented in photos and should be verified. Expected path to pass: address safety items (install/verify smoke & CO alarms, add/repair handrail, remediate tub and tile, repair retaining wall/grade), confirm HVAC and water heater operation, and install/replace missing kitchen appliances. Overall turnkey time ~30–60 days depending on contractor availability and extent of unseen/mechanical issues.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior shows recent flooring (hardwood/LVP) and painted walls from a remodel ~24 months ago. Cosmetic wear: scuffs on walls, missing cabinet base/doors under sink, countertop edges, and a stained/dirty bathtub that needs reconditioning or replacement. No evidence of collapsed ceilings or major structural damage. No stove or refrigerator visible in photos (reduces readiness moderately). Overall mostly cosmetic and light repair work required."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 45.0,
"rationale": "Several likely NSPIRE issues visible or strongly suspected: no visible smoke detectors in interior photos, exterior front concrete steps lack a handrail (unsafe/inspect-fail potential), bathroom tub and tile show heavy staining (possible mold/water damage), and GFCI protection in kitchen/bathrooms not visible. No exposed wiring or obvious electrical hazards seen, but absence of visible detectors and missing handrail are high-risk items that commonly cause inspection failures."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 60.0,
"rationale": "Roof and exterior paint appear in serviceable condition from photos (shingles appear intact). Floor registers and vents visible indicating central HVAC likely present, but no equipment, thermostat readouts, or water heater are shown to confirm operation. Plumbing fixtures are present but bathtub condition suggests prior moisture issues. Electrical panel and wiring condition cannot be confirmed from photos. Given visible evidence, systems are plausible but require functional verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Exterior siding and roof appear maintained; large yard and covered porch are positives. However, front retaining/block walls and terraces show damage/decay and irregular sections which create trip hazards and possible drainage/erosion issues. Front concrete steps do not have a handrail. Sidewalk and street-level approach show cracking. No visible standing water or roof sagging."
}
],
"red_flags": [
"No visible smoke detectors / alarm devices in interior photos (likely NSPIRE fail).",
"Front concrete steps lack a handrail — unsafe stairs and likely inspection failure.",
"Bathroom bathtub and tile show heavy staining and deterioration — potential mold/water damage and sanitation issue.",
"Damaged/decayed front retaining walls and eroded terraces creating trip hazards and potential drainage issues."
],
"confidence": 0.65,
"assumptions": [
"Central heating/AC is present and connected — inferred from visible floor/heat vents but HVAC equipment not shown.",
"No stove or refrigerator were visible in photos; assume these appliances are not included or need verification/installation.",
"Electrical panel condition and presence of working breakers/GFCIs not shown and therefore unverified.",
"No smoke detectors or carbon monoxide alarms are visible in photos; assume they are missing or not properly located unless verified otherwise.",
"Water heater location and condition are not shown and must be verified; assume it exists but needs functional check.",
"No clear evidence of severe structural foundation movement or roof failure in provided photos; assumptions rely on visible exterior and interior photos only.",
"Remodel noted ~24 months ago is assumed to have included cosmetic and some system work but not guaranteed for full code compliance."
],
"overall_score": 59.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1377 Fulton Ave, Tarrant, AL, 35217",
"aggregate": {
"summary": "Property appears structurally sound and was remodeled recently, with intact roof, floors, and functional plumbing fixtures present. Primary issues for an initial Section 8/NSPIRE inspection are missing/uncertain safety items (no visible smoke/CO detectors, missing exterior handrail on front steps), cosmetic repairs/cleaning (stained tub, scuffed walls, cabinet repairs), and installation/verification of kitchen appliances and GFCI protection. These are mostly repairable within a short timeframe, but safety items must be corrected prior to a successful initial inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 66.0,
"rationale": "Interior shows recent remodeling (LVP and hardwood floors) and generally intact finishes. Visible cosmetic issues: scuffed/dirty walls, cabinet damage, missing cabinet toe/kick pieces, dirty/stained bathtub, and general cleaning required. No collapsed ceilings, visible major structural damage, or widespread flooring failure. Listing and photos do not show a range/oven or refrigerator — missing appliances reduce readiness but are not automatic safety failures. Overall moderate cosmetic/finish work and appliance installation required."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 63.3,
"rationale": "Exterior envelope (siding/paint) looks maintained; foundation exposure appears minimal and there is no visible major foundation cracking or settling in supplied photos. The lot slopes to the street with a retaining/seat wall that shows some wear and stepped walkways with visible concrete cracks—these are moderate trip hazards and the front staircase lacks a handrail. Large tree adjacent to structure may merit inspection for roots/roof debris. Yard is usable and driveway/off-street parking present. No visible standing water or active infestation signs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 50.0,
"rationale": "No visible smoke or CO detectors in photos (likely required); exterior front stairs from sidewalk to porch lack a handrail which is a common NSPIRE fail/hazard on multi‑rise steps. Bedrooms appear to have windows that likely provide egress, but exact dimensions not confirmed. No obvious exposed wiring or smashed outlets visible, but GFCI outlets in kitchen/bath not shown. Bathroom shows staining in tub area which could indicate previous leaks or mold risk; needs verification. Entry door appears secure and there is a solid porch wall. Because several required safety items are unverified or missing in photos (smoke/CO detectors, handrail, GFCI), this category is a risk area."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 61.7,
"rationale": "Roof appears shingled and intact from photos; no visible roof sagging or active leak stains on ceilings. Floor registers are visible indicating a central HVAC/forced-air system likely present, but no thermostat, furnace, water heater, or electrical panel photos were provided to confirm condition or age. Plumbing fixtures exist (toilet, sink, tub) but tub shows staining and grout/tile deterioration that should be assessed. Overall systems appear present and functional but unverified and will require on-site testing (heat, hot water, electrical breakers, appliance hookups)."
}
],
"red_flags": [
"Exterior front stairway lacks a handrail (trip/fall hazard; common NSPIRE fail).",
"No visible smoke detectors or carbon monoxide detectors in interior photos (required).",
"Stained/deteriorated bathtub/tile in bathroom suggests possible mold/moisture or past leaks requiring remediation.",
"Kitchen appears to lack visible range/oven and refrigerator in photos—appliances must be provided/installed prior to renting.",
"Concrete steps/retaining wall and sidewalk cracks create trip hazards and show localized deterioration that should be repaired."
],
"confidence": 0.87,
"assumptions": [
"Remodel 24 months ago indicates many interior finishes updated; assume no active major roof leak since no ceiling stains are visible.",
"Central HVAC likely present because floor registers are visible; assumed operational but untested.",
"No smoke or CO detectors were visible in photos; assume none are installed or not visible and therefore must be confirmed/installed.",
"Electrical panel, GFCI outlets, and water heater were not photographed; assume standard older systems may be present and require on-site verification.",
"Stained bathtub and tile likely from dirt/neglect rather than active major plumbing failure, but could indicate prior leaks that require inspection.",
"No evidence of severe foundation movement or structural sagging in exterior photos; assume foundation is stable absent other documentation.",
"Listing \"Sold As-Is\" may indicate seller will not remediate items; buyer/owner must expect to complete repairs for voucher inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 60.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7886140311"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.